10. DUE TO DEPOSITORS

Deposits are summarized as follows:

	At December 31, 2013					At December 31, 2012
	Effective Cost			Liability		Effective Cost			Liability
Savings accounts		0.05	%	$	376,900		0.15	%	$	371,792
Certificates of deposit ("CDs")		1.55			828,409		1.68			891,975
Money market accounts		0.50			1,040,079		0.57			961,359
Interest bearing checking accounts		0.08			87,301		0.16			95,159
Non-interest bearing checking accounts		-			174,457		-			159,144
TOTAL		0.73	%	$	2,507,146		0.86	%	$	2,479,429

The following table presents a summary of future maturities of CDs outstanding at December 31, 2013:

Year Ending December 31,	Maturing Balance		Weighted Average Interest Rate
2014	$	426,186		1.17	%
2015		190,436		1.70
2016		43,295		1.91
2017		53,285		2.17
2018		93,519		2.25
2019 and beyond		21,688		1.88
TOTAL	$	828,409		1.54	%(1)

(1) The weighted average cost of CDs, inclusive of their contractual compounding of interest, was 1.55% at December 31, 2013.

The aggregate amount of CDs with a minimum denomination of one-hundred thousand dollars was approximately $354,545 and $371,697 at December 31, 2013 and 2012, respectively.