Deposits

Deposits as of June 30, 2011 and December 31, 2010 (in thousands) are summarized as follows:

	2011		2010
Demand deposit accounts (including official
checks of $648 in 2011 and $346 in 2010)	$	100,422	$	119,083
Passbook savings		13,631		13,500
Certificates of deposit:
0.00% – 0.99%		10,788		104
1.00% – 1.99%		67,316		72,329
2.00% – 2.99%		3,241		6,282
3.00% – 3.99%		101		451
4.00% – 4.99%		-		336
Total certificates of deposit		81,446		79,502
Total deposits	$	195,499	$	212,085

Scheduled maturities of certificates of deposit (in thousands) at June 30, 2011 are as follows:

	2012		2013		2014		Total

Maturing 2011							$	45,216
0.00% – 0.99%	$	42	$	-	$	-		42
1.00% – 1.99%		29,539		3,272		2,021		34,832
2.00% – 2.99%		350		1,006		-		1,356
Total	$	29,931	$	4,278	$	2,021	$	81,446

Included in deposits (in thousands) at June 30, 2011 and December 31, 2010 were $38,570 and $35,675, respectively, of certificates of deposit (CD) in denominations of $100,000 or more. Deposit insurance coverage has been increased by regulation to cover deposits up to $250,000.