10. DUE TO DEPOSITORS

Deposits are summarized as follows:

	At December 31, 2012					At December 31, 2011
	Effective Cost			Liability		Effective Cost			Liability
Savings accounts		0.15	%	$	371,792		0.21	%	$	353,708
Certificates of deposit ("CDs")		1.68			891,975		1.85			977,551
Money market accounts		0.57			961,359		0.63			772,055
Interest bearing checking accounts		0.16			95,159		0.23			99,308
Non-interest bearing checking accounts		-			159,144		-			141,079
TOTAL		0.86	%	$	2,479,429		1.02	%	$	2,343,701

The following table presents a summary of future maturities of CDs outstanding at December 31, 2012:

Year Ending December 31,	Maturing Balance		Weighted Average Interest Rate
2013	$	525,628		1.14	%
2014		148,544		2.35
2015		98,665		2.49
2016		30,445		2.24
2017		41,720		2.34
2018 and beyond		46,973		2.67
TOTAL	$	891,975		1.66	%(1)

(1) The weighted average cost of CDs, inclusive of their contractual compounding of interest, was 1.68% at December 31, 2012.

The aggregate amount of CDs with a minimum denomination of one-hundred thousand dollars was approximately $371,697 and $401,463 at December 31, 2012 and 2011, respectively.