
Note 8.	Deposits

As of June 30, 2011 and December 31, 2010, CapitalSource Bank had $4.8 billion and $4.6 billion, respectively, in deposits insured up to the maximum limit by the Federal Deposit Insurance Corporation (“FDIC”). As of June 30, 2011 and December 31, 2010, CapitalSource Bank had $1.8 billion and $1.7 billion, respectively, of certificates of deposit in the amount of $100,000 or more. As of June 30, 2011 and December 31, 2010, CapitalSource Bank had $290.3 million and $266.7 million, respectively, of certificates of deposit in the amount of $250,000 or more.

As of June 30, 2011 and December 31, 2010, the weighted-average interest rates for savings and money market deposit accounts were 0.84% and 0.83%, respectively, and for certificates of deposit were 1.21% and 1.27%, respectively. The weighted-average interest rates for all deposits as of June 30, 2011 and December 31, 2010 were 1.13% and 1.18%, respectively.

As of June 30, 2011 and December 31, 2010, interest-bearing deposits at CapitalSource Bank were as follows:


	June 30,		December 31,
	2011		2010
	($ in thousands)

Interest-bearing deposits:
Money market	$	243,419	$	236,811
Savings		821,059		694,157
Certificates of deposit		3,721,312		3,690,305

Total interest-bearing deposits	$	4,785,790	$	4,621,273

As of June 30, 2011, certificates of deposit at CapitalSource Bank detailed by maturity were as follows ($ in thousands):


Maturing by:
June 30, 2012	$	3,015,421
June 30, 2013		599,159
June 30, 2014		21,121
June 30, 2015		47,349
June 30, 2016		38,262

Total	$	3,721,312

For the three and six months ended June 30, 2011 and 2010, interest expense on deposits was as follows:


	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2011			2010			2011			2010
	($ in thousands)

Savings and money market	$	2,095		$	2,179		$	4,039		$	4,444
Certificates of deposit		11,364			13,164			22,859			27,310
Fees for early withdrawal		(61	)		(64	)		(117	)		(117	)

Total interest expense on deposits	$	13,398		$	15,279		$	26,781		$	31,637