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DEPOSITS

12 Months Ended

Dec. 31, 2012

9. DEPOSITS

The following table shows the breakdown of deposits as of December 31, 2012 and 2011, by deposit type (dollars in thousands):

	2012		2011
Non-interest-bearing deposits	$	89,494	$	85,605
NOW accounts		201,804		200,897
Savings deposits		87,836		79,659
Money market deposit accounts		83,423		67,223
Certificates of deposit		274,539		300,609
Total	$	737,096	$	733,993

Certificates of deposit of $100,000 or more amounted to $113,479,000 and $120,127,000 at December 31, 2012 and 2011, respectively. Interest expense on certificates of deposit of $100,000 or more amounted to $1,819,000, $2,496,000, and, $3,095,000 for the years ended December 31, 2012, 2011, and 2010, respectively.

Following are maturities of certificates of deposit as of December 31, 2012 (in thousands):

2013	$	126,355
2014		62,274
2015		45,528
2016		19,372
2017		19,610
Thereafter		1,400
Total certificates of deposit	$	274,539

- Definition

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.

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