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Balance sheetat 31 December 201131.12.2011 31.12.2010Notes £’000 £’000ASSETSDebtors 4 1,744 1,448Cash and bank balances 323 4,474<strong>Deposit</strong>s 920,029 1,108,895Total assets 922,096 1,114,817LIABILITIESCurrent deposits 5 916,173 1,107,510Creditors 6 398 1,681Income reserve 7 5,525 5,626Total liabilities 922,096 1,114,817Approved on behalf of the Board22 March 2012D Henderson, ChairmanThe notes on pages 13 to 17 form part of these accounts.12