Note 6. Deposits

Major classifications of deposits at June 30, 2013 and 2012 are summarized as follows:


(In thousands)		2013		2012
Noninterest bearing deposits	$	57,926	$	52,783
Certificates of deposit		56,181		72,045
Savings deposits		160,004		132,822
Money market deposits		85,685		75,265
NOW deposits		198,643		179,022
Total deposits	$	558,439	$	511,937

Advance payments by borrowers for taxes and insurance totaling $5,048,000 and $4,859,000 at June 30, 2013 and 2012, respectively, are included in savings deposits.

Related party deposits are not material.

The following indicates the amount of certificates of deposit by time remaining to maturity as of June 30, 2013.


(In thousands)		3 months		3 to 6		7 to 12		Over 12
		Or less		Months		Months		Months		Total

Certificates of deposit less than $100,000	$	11,087	$	8,946	$	4,880	$	14,596	$	39,509
Certificates of deposit $100,000 or more		3,889		2,862		1,405		8,516		16,672
Total certificates of deposit	$	14,976	$	11,808	$	6,285	$	23,112	$	56,181

Scheduled maturities of certificates of deposit at June 30, 2013 were as follows:


(In thousands)
Fiscal year end
2014	$	33,069
2015		17,808
2016		4,865
2017		439
	$	56,181