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Deposits

12 Months Ended

Dec. 31, 2011

Deposits [Abstract]

Deposits

NOTE 7. Deposits

The composition of deposits at December 31, 2011 and 2010 was as follows:

	December 31,
	2011		2010
	(in thousands)
Noninterest bearing demand deposits	$	107,237	$	98,256
Savings and interest bearing demand deposits:
NOW accounts	$	78,927	$	72,413
Money market accounts		83,393		69,766
Regular savings accounts		47,838		42,369
	$	210,158	$	184,548
Time deposits:
Balances of less than $100,000	$	76,956	$	85,269
Balances of $100,000 and more		54,114		61,223
	$	131,070	$	146,492
	$	448,465	$	429,296

Time deposits with balances of less than $100,000 include $10,107,000 and $20,172,000 in brokered certificates of deposit at December 31, 2011 and 2010, respectively. Time deposits with balances of $100,000 and more include $6,523,000 and $11,726,000 in brokered certificates of deposit at December 31, 2011 and 2010, respectively.

The outstanding balance of time deposits at December 31, 2011 was due as follows:

		December 31, 2011
		(in thousands)
2012	$	97,180
2013		12,970
2014		15,364
2015		2,701
2016		2,855
	$	131,070

Deposit overdrafts reclassified as loans totaled $156,000 and $107,000 at December 31, 2011 and 2010, respectively.

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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 AICPA

-Name Statement of Position (SOP)

-Number 01-6

-Paragraph 14

-Subparagraph e

-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.



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



Reference 3: 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

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