10.	DUE TO DEPOSITORS

Deposits are summarized as follows:

	At December 31, 2017					At December 31, 2016
	Effective Cost			Liability		Effective Cost			Liability
Savings accounts		0.07	%	$	362,092		0.05	%	$	366,921
Certificates of deposit ("CDs")		1.47			1,091,887		1.47			1,048,465
Money market accounts		0.96			2,517,439		0.86			2,576,081
Interest bearing checking accounts		0.08			124,283		0.08			106,525
Non-interest bearing checking accounts		-			307,746		-			297,434
TOTAL		0.92	%	$	4,403,447		0.86	%	$	4,395,426

The following table presents a summary of scheduled maturities of CDs outstanding at December 31, 2017:

	Maturing Balance		Weighted Average Interest Rate
2018	$	579,781		1.32	%
2019		408,703		1.58
2020		65,884		1.53
2021		18,818		1.58
2022		16,197		1.64
2023 and beyond		2,504		1.59
TOTAL	$	1,091,887		1.44	%

CDs that met or exceeded the Federal Deposit Insurance Corporation (“FDIC”) Insurance limit of two-hundred and fifty thousand dollars were approximately $179,307 and $203,308 at December 31, 2017 and 2016, respectively.