Note 10 - Deposits

9 Months Ended

Sep. 30, 2013

Disclosure Text Block [Abstract]

Deposit Liabilities Disclosures [Text Block]

10.     Deposits

Composition

The following table summarizes the composition of deposits at the dates indicated (in thousands).

	September 30, 2013		December 31, 2012
Transaction deposits	$	491,131	$	483,844
Money market deposits		136,094		129,708
Savings deposits		80,673		70,646
Time deposits $100,000 and greater		111,344		179,242
Time deposits less than $100,000		125,570		159,802
Total deposits	$	944,812	$	1,023,242

At September 30, 2013 and December 31, 2012, $487 thousand and $554 thousand, respectively, of overdrawn transaction deposit accounts were reclassified to loans. The Bank had no brokered deposits at September 30, 2013 or December 31, 2012.

Interest Expense on Deposit Accounts

The following table summarizes interest expense on deposits for the periods indicated (in thousands).

	For the three months ended September 30,				For the nine months ended September 30,
	2013		2012		2013		2012
Transaction deposit accounts	$	10	$	9	$	29	$	30
Money market deposit accounts		8		8		23		40
Savings deposit accounts		2		2		7		6
Time deposit accounts		455		1,207		1,813		3,882
Total interest expense on deposits	$	475	$	1,226	$	1,872	$	3,958