text: *Deposits*. Deposits held by subsidiary banks represent our primary source of funding. Total deposits were 
  $1.712 billion as of December 31, 2002, as compared to $1.685 billion as of December 31, 2001 and $1.520 billion 
  as of December 31, 2000. Table 12 provides a breakdown of average deposits and rates paid over the past three 
  years and the remaining maturity of time deposits of $100 thousand or more. 
  
  **Table 12 — Composition of Average Deposits and Remaining Maturity of Time Deposits of $100,000 or**
  **More (in thousands, except percentages):**
  
  **2002** **2001** **2000**
  
  **Average**
  **Balance** **Average**
  **Rate** **Average**
  **Balance** **Average**
  **Rate** **Average**
  **Balance** **Average**
  **Rate**
  
  -  $  339,800  -  $  317,659  - 
  
  0.71% 
  1.18 
  3.11 
  3.13 
  1.91% 
  279,585 
  366,412 
  384,576 
   195,987 
   1,226,560 
  $ 1,566,360 
  1.59% 
  3.93 
  5.29 
  5.74 
  4.11% 