Potential Problem Loans page 16 December 31 (Dollars in thousands) 2011 2010 Noninterest bearing demand $ 106,276 87,660 NOW 88,438 82,817 Money market 113,077 107,193 Savings 30,400 23,344 Certificates of deposit under $100,0000 112,178 115,836 Certificates of deposit and other time deposits of $100,000 or more 144,284 148,616 Brokered certificates of deposit 24,899 41,661 Total deposits $ 619,552 607,127 Deposits December 31 (In thousands) 2011 2010 Performing loans past due 30 to 89 days: Commercial and industrial $ 1,191 124 Construction and land development 317 201 Commercial real estate — — Residential real estate 1,245 2,986 Consumer installment 57 29 Total performing loans past due 30 to 89 days $ 2,810 3,340 December 31 (In thousands) 2011 2010 Potential problem loans: Commercial and industrial $ 719 413 Construction and land development 1,080 1,075 Commercial real estate 9,278 5,016 Residential real estate 7,311 6,600 Consumer installment 128 116 Total potential problem loans $ 18,516 13,220 Potential problem loans represent those loans with a well-defined weakness and where information about possible  credit problems of borrowers has caused management to have serious doubts about the borrower’s ability to comply with  present repayment terms. Potential problem loans, which are not included in nonperforming assets, amounted to  $18.5 million, or 5.0% of total loans at December 31, 2011, compared to $13.2 million, or 3.5% of total loans outstanding,  net of unearned income at December 31, 2010. Continued weakness in the overall economy has adversely affected the  Company’s volume of potential problem loans, and these economic conditions are expected to persist for the foreseeable  future. The table below provides information concerning the composition of potential problem loans at December 31, 2011  and 2010, respectively. At December 31, 2011, approximately $1.0 million or 4.4% of total potential problem loans were past due at least 30  but less than 90 days. The following table is a summary of the Company’s performing loans that were past due at least 30 days but less than  90 days as of December 31, 2011 and 2010, respectively.