(9) Deposits

Deposits, including accrued interest payable of $21,000 and $33,000 at December 31, 2011 and 2010, respectively, are summarized as follows (in thousands):


	December 31,
	2011					2010
	Amount		Weighted Average Cost			Amount		Weighted Average Cost
Non-interest-bearing accounts	$	142,436		—	%	$	126,429		—	%
Interest-bearing checking accounts		942,402		.31			920,324		.68
Money market deposit accounts		123,105		.30			108,421		.41
Savings accounts		229,241		.18			223,650		.36
Time deposits		268,899		1.74			285,144		1.81

	$	1,706,083		.49	%	$	1,663,968		.76	%

Included in time deposits at December 31, 2011 and 2010, respectively, is $77,053,000 and $72,254,000 in deposits of $100,000 and over.

Time deposits at December 31, 2011 mature as follows (in thousands):


Year Ended December 31,
2012	$	180,790
2013		22,045
2014		12,314
2015		12,631
2016		24,655
Thereafter		16,464

	$	268,899

Interest expense on deposits for the years ended December 31, 2011, 2010 and 2009 is as follows (in thousands):


	Years Ended December 31,
	2011		2010		2009
Interest-bearing checking accounts	$	4,624	$	6,418	$	7,057
Money market deposit accounts		454		597		678
Savings accounts		481		1,732		1,974
Time deposits		4,842		5,593		8,323

	$	10,401	$	14,340	$	18,032