2.2.0.7 false Deposits 0208 - Disclosure - Deposits true false false false 1 USD false false USD Standard http://www.xbrl.org/2003/iso4217 USD iso4217 0 EPS Divide http://www.xbrl.org/2003/iso4217 USD iso4217 http://www.xbrl.org/2003/instance shares xbrli 0 Shares Standard http://www.xbrl.org/2003/instance shares xbrli 0 $ 2 Deposits [Abstract] 0 us-gaap_DepositsAbstract us-gaap true na duration No definition available. false false false false false true false false false false false false 1 false false false false 0 0 false false false xbrli:stringItemType string No definition available. false 3 Deposits 1 us-gaap_DepositLiabilitiesDisclosuresTextBlock us-gaap true na duration No definition available. false false false false false false false false false false false verboselabel false 1 false false false false 0 0 Note 8.  Deposits As of September 30, 2010 and December 31, 2009, CapitalSource Bank had $4.6 billion and $4.5 billion, respectively, in deposits insured up to the maximum limit by the Federal Deposit Insurance Corporation (“FDIC”). In 2010, the United States Congress permanently increased the deposit insurance level from $100,000 to $250,000. As of September 30, 2010 and December 31, 2009, CapitalSource Bank had $1.7 billion and $1.5 billion, respectively, of certificates of deposit in the amount of $100,000 or more. As of September 30, 2010 and December 31, 2009, CapitalSource Bank had $260.3 million and $199.7 million, respectively, of certificates of deposit in the amount of $250,000 or more. As of September 30, 2010 and December 31, 2009, the weighted-average interest rates for savings and money market deposit accounts were 0.79% and 1.06%, respectively, and for certificates of deposit were 1.37% and 1.68%, respectively. The weighted-average interest rates for all deposits as of September 30, 2010 and December 31, 2009 were 1.25% and 1.56%, respectively. As of September 30, 2010 and December 31, 2009, interest-bearing deposits at CapitalSource Bank were as follows: <div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 15px"><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;"> </td><td style="width: 517px; text-align:left;border-color:#000000;min-width:517px;"> </td><td colspan="2" style="width: 92px; text-align:center;border-color:#000000;min-width:92px;">September 30,</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td colspan="2" style="width: 92px; text-align:center;border-color:#000000;min-width:92px;">December 31,</td></tr><tr style="height: 15px"><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;"> </td><td style="width: 517px; text-align:left;border-color:#000000;min-width:517px;"> </td><td colspan="2" style="width: 92px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:92px;">2010</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td colspan="2" style="width: 92px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:92px;">2009</td></tr><tr style="height: 8px"><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;"> </td><td style="width: 517px; text-align:left;border-color:#000000;min-width:517px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 80px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:80px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 80px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:80px;"> </td></tr><tr style="height: 16px"><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;"> </td><td style="width: 517px; text-align:left;border-color:#000000;min-width:517px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td colspan="4" style="width: 184px; text-align:center;border-color:#000000;min-width:184px;">($ in thousands)</td></tr><tr style="height: 16px"><td colspan="2" style="width: 520px; text-align:left;border-color:#000000;min-width:520px;">Interest-bearing deposits:</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 80px; text-align:left;border-color:#000000;min-width:80px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 80px; text-align:left;border-color:#000000;min-width:80px;"> </td></tr><tr style="height: 16px"><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;"> </td><td style="width: 517px; text-align:left;border-color:#000000;min-width:517px;"> Money market </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 80px; text-align:right;border-color:#000000;min-width:80px;">246,837</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 80px; text-align:right;border-color:#000000;min-width:80px;">258,283</td></tr><tr style="height: 16px"><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;"> </td><td style="width: 517px; text-align:left;border-color:#000000;min-width:517px;"> Savings </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 80px; text-align:right;border-color:#000000;min-width:80px;">712,768</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 80px; text-align:right;border-color:#000000;min-width:80px;">599,084</td></tr><tr style="height: 16px"><td style="width: 3px; text-align:left;border-color:#000000;min-width:3px;"> </td><td style="width: 517px; text-align:left;border-color:#000000;min-width:517px;"> Certificates of deposit </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 80px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:80px;">3,667,601</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 80px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:80px;">3,626,512</td></tr><tr style="height: 16px"><td colspan="2" style="width: 520px; text-align:left;border-color:#000000;min-width:520px;">Total interest-bearing deposits </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 80px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:80px;">4,627,206</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 80px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:80px;">4,483,879</td></tr></table></div>As of September 30, 2010, certificates of deposit at CapitalSource Bank detailed by maturity were as follows ($ in thousands):<div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 17px"><td style="width: 387px; text-align:left;border-color:#000000;min-width:387px;">Maturing by:</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 75px; text-align:left;border-color:#000000;min-width:75px;"> </td></tr><tr style="height: 17px"><td style="width: 387px; text-align:left;border-color:#000000;min-width:387px;">September 30, 2011</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;">2,951,428</td></tr><tr style="height: 17px"><td style="width: 387px; text-align:left;border-color:#000000;min-width:387px;">September 30, 2012</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;">622,008</td></tr><tr style="height: 17px"><td style="width: 387px; text-align:left;border-color:#000000;min-width:387px;">September 30, 2013</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;">37,206</td></tr><tr style="height: 17px"><td style="width: 387px; text-align:left;border-color:#000000;min-width:387px;">September 30, 2014</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 75px; text-align:right;border-color:#000000;min-width:75px;">15,800</td></tr><tr style="height: 17px"><td style="width: 387px; text-align:left;border-color:#000000;min-width:387px;">September 30, 2015</td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 75px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:75px;">41,159</td></tr><tr style="height: 18px"><td style="width: 387px; text-align:left;border-color:#000000;min-width:387px;">Total </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 75px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:75px;">3,667,601</td></tr></table></div>For the three and nine months ended September 30, 2010 and 2009, interest expense on deposits was as follows:<div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 13px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;"> </td><td colspan="5" style="width: 166px; text-align:center;border-color:#000000;min-width:166px;">Three Months Ended</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td colspan="4" style="width: 179px; text-align:center;border-color:#000000;min-width:179px;">Nine Months Ended</td></tr><tr style="height: 13px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;"> </td><td colspan="5" style="width: 166px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:166px;">September 30,</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td colspan="4" style="width: 179px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:179px;">September 30,</td></tr><tr style="height: 13px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;"> </td><td colspan="2" style="width: 77px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:77px;">2010</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td colspan="2" style="width: 77px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:77px;">2009</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:65px;">2010</td><td style="width: 10px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:10px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 92px; border-top-style:solid;border-top-width:1px;border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:92px;">2009</td></tr><tr style="height: 7px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:65px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:65px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:65px;"> </td><td style="width: 10px; text-align:center;border-color:#000000;min-width:10px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 92px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:92px;"> </td></tr><tr style="height: 17px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;"> </td><td colspan="11" style="width: 369px; text-align:center;border-color:#000000;min-width:369px;">($ in thousands)</td></tr><tr style="height: 17px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;">Savings and money market </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">1,937</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">2,571</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">6,381</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 92px; text-align:right;border-color:#000000;min-width:92px;">8,641</td></tr><tr style="height: 17px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;">Certificates of deposit </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">12,613</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">20,181</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">39,923</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 92px; text-align:right;border-color:#000000;min-width:92px;">82,210</td></tr><tr style="height: 17px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;">Brokered certificates of deposit </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">0</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">0</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; text-align:right;border-color:#000000;min-width:65px;">0</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 92px; text-align:right;border-color:#000000;min-width:92px;">456</td></tr><tr style="height: 17px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;">Fees for early withdrawal </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;">(60)</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;">(78)</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 65px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:65px;">(177)</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 92px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:92px;">(287)</td></tr><tr style="height: 18px"><td style="width: 356px; text-align:left;border-color:#000000;min-width:356px;">Total interest expense on deposits</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 65px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:65px;">14,490</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 65px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:65px;">22,674</td><td style="width: 12px; text-align:right;border-color:#000000;min-width:12px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 65px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:65px;">46,127</td><td style="width: 10px; text-align:right;border-color:#000000;min-width:10px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:12px;">$</td><td style="width: 92px; border-top-style:solid;border-top-width:1px;border-bottom-style:double;border-bottom-width:3px;text-align:right;border-color:#000000;min-width:92px;">91,020</td></tr></table></div> Note 8.  Deposits As of September 30, 2010 and December 31, 2009, CapitalSource Bank had $4.6 billion and $4.5 billion, false false false us-types:textBlockItemType textblock This element may be used as a single block of text to encapsulate the entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity. Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 01-6 -Paragraph 14 -Subparagraph e false 1 2 false UnKnown UnKnown UnKnown false true