Deposits

Deposits were as follows:



	March 31, 2016		Percentage of Total		December 31, 2015		Percentage of Total
Non-interest-bearing demand deposits:
Commercial and individual	$	8,796,847	36.4	%	$	9,251,463	38.0	%
Correspondent banks	310,417		1.3		378,930		1.6
Public funds	542,669		2.2		639,840		2.6
Total non-interest-bearing demand deposits	9,649,933		39.9		10,270,233		42.2
Interest-bearing deposits:
Private accounts:
Savings and interest checking	5,732,748		23.7		5,149,905		21.1
Money market accounts	7,514,572		31.1		7,536,998		31.0
Time accounts of $100,000 or more	415,207		1.7		420,697		1.7
Time accounts under $100,000	397,091		1.7		405,726		1.7
Total private accounts	14,059,618		58.2		13,513,326		55.5
Public funds:
Savings and interest checking	304,500		1.3		420,324		1.7
Money market accounts	113,713		0.5		93,969		0.4
Time accounts of $100,000 or more	28,203		0.1		44,941		0.2
Time accounts under $100,000	1,008		—		802		—
Total public funds	447,424		1.9		560,036		2.3
Total interest-bearing deposits	14,507,042		60.1		14,073,362		57.8
Total deposits	$	24,156,975	100.0	%	$	24,343,595	100.0	%

The following table presents additional information about our deposits:



	March 31, 2016		December 31, 2015
Deposits from the Certificate of Deposit Account Registry Service (CDARS)	$	—	$	2,615
Deposits from the Promontory Interfinancial Network Insured Cash Sweep Service (acquired in the acquisition of WNB Bancshares, Inc.)	144		7,440
Deposits from foreign sources (primarily Mexico)	774,351		747,008
Deposits not covered by deposit insurance	12,072,653		11,953,367