Deposits (Details) (USD $)	Sep. 30, 2012	Dec. 31, 2011
Summary of company's deposits
Non-interest bearing	$ 59,309,584	$ 65,613,374
Interest bearing
NOW	24,859,524	24,396,210
Savings	70,807,709	59,396,310
Money market	44,092,847	52,889,642
Time certificates, less than $100,000	166,654,722	198,207,998
Time certificates, $100,000 or more	118,228,921	144,405,859
Total interest bearing	424,643,723	479,296,019
Total Deposits	$ 483,953,307	$ 544,909,393

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The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.

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Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.

+ References

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Amount of deposits in interest-bearing transaction accounts at banks or savings and loans, that are restricted in regard to ownership and can usually only be held by individuals, nonprofit entities and governments. Negotiable order of withdrawal accounts differ from money market demand accounts as they typically have higher reserve requirements and no limit on the number of checks that can be written.

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Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).

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The aggregate of all domestic and foreign interest-bearing deposit liabilities.

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The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.

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The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.

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The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $100,000.

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