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6. Deposit Accounts | 12 Months Ended
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Jun. 30, 2013
Notes |
6. Deposit Accounts | 6. Deposit Accounts Deposit accounts consist of the following:
|  |  |  |  | Weighted Average
|  |  |  |  | Interest Rates
| June 30, |  | June 30,
| 2013 |  | 2012 |  | 2013 |  | 2012
Noninterest-bearing accounts | $60,828 |  | $57,109 |  | 0.00% |  | 0.00%
NOW accounts | 195,659 |  | 173,574 |  | 0.11% |  | 0.19%
Money market accounts | 275,718 |  | 257,865 |  | 0.28% |  | 0.39%
Savings accounts | 82,158 |  | 347,669 |  | 0.19% |  | 0.17%
Certificates of deposit | 540,387 |  | 629,958 |  | 0.90% |  | 1.22%
Total | $1,154,750 |  | $1,466,175 |  | 0.52% |  | 0.66%
Maturities of certificates of deposit are as follows:
| June 30, 2013 |  | June 30, 2012
Within 1 year |  | $374,514 |  |  | $445,111
1 year to 2 years |  | 75,944 |  |  | 87,122
2 years to 3 years |  | 44,097 |  |  | 36,276
3 years to 4 years |  | 25,321 |  |  | 31,046
4 years to 5 years |  | 20,511 |  |  | 30,403
Total |  | $540,387 |  |  | $629,958
Certificates of deposit with balances of $100 or greater totaled $266,458 and $302,246 at June 30, 2013 and 2012, respectively. Generally, deposit amounts in excess of $250,000 are not federally insured. Interest expense on deposits consists of the following:
|  | June 30,
|  |  | 2013 |  |  | 2012 |  |  | 2011
NOW accounts |  |  | $212 |  |  | $320 |  |  | $457
Money market accounts |  |  | 895 |  |  | 1,397 |  |  | 1,852
Savings accounts |  |  | 199 |  |  | 314 |  |  | 508
Certificates of deposit |  |  | 5,669 |  |  | 8,213 |  |  | 14,981
Total |  |  | $6,975 |  |  | $10,244 |  |  | $14,798
In December 2010, the Bank incurred a loss of approximately $4,500 related to a check kiting scheme by one of its customers. This loss is included in other expense on the consolidated statements of income for June 30, 2011.

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- Definition The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 405 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.12) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 + Details
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