V. Deposits The following table presents the average deposit balances and the average rate paid on those balances for the years  ended:  The following table presents the maturities of jumbo certificates of deposit (amounts of $100,000 or more). VI. Return on Equity and Assets  (Dollars in thousands) Non-interest bearing demand  $ 75,828   $ 59,859   $ 56,303  Money market and NOW accounts 203,741  0.15% 171,295  0.22% 162,437  0.29% Savings accounts 44,289  0.07% 36,004  0.13% 31,754  0.21% Certificates of deposit 178,508  1.01% 178,364  1.31% 187,236  1.74% Total   $ 502,366  0.50%  $ 445,522  0.72%  $ 437,730  0.99% Years ended December 31, 2012 2011 2010 2012 2011 Three months or less  $ 17,110 $ 20,913  Over three months through six months 10,287 28,613  Over six months through 12 months 15,896 10,681  Over 12 months 15,742 3,167  Total   $ 59,035 $ 63,374  (Dollars in thousands) As of December 31, 2012 2011 2010 Return on average assets 1.01% 0.78% 0.35% Return on average equity 10.34% 7.98% 3.73% Equity to total assets 10.31% 9.88% 9.58% Dividend payout ratio 33.33% 44.72% 92.31% As of or for the years ended December 31, 32 