BANK DEPOSITS (Tables)

6 Months Ended

Mar. 31, 2016

The following table presents a summary of bank deposits including the weighted-average rate:



	March 31, 2016				September 30, 2015
	Balance		Weighted-average rate ⁽¹⁾		Balance		Weighted-average rate ⁽¹⁾
	($ in thousands)
Bank deposits:
NOW accounts	$	5,078	0.01	%	$	4,752	0.01	%
Demand deposits (non-interest-bearing)	1,890		—		9,295		—
Savings and money market accounts	12,373,294		0.05	%	11,550,917		0.02	%
Certificates of deposit	349,195		1.61	%	354,917		1.64	%
Total bank deposits⁽²⁾	$	12,729,457	0.09	%	$	11,919,881	0.07	%


(1)	Weighted-average rate calculation is based on the actual deposit balances at March 31, 2016 and September 30, 2015, respectively.


(2)	Bank deposits exclude affiliate deposits of approximately $949 million and $458 million at March 31, 2016 and September 30, 2015, respectively. These affiliate deposits include $930 million and $451 million, held in a deposit account on behalf of RJF as of March 31, 2016 and September 30, 2015, respectively.

Scheduled maturities of certificates of deposit are as follows:



	March 31, 2016				September 30, 2015
	Denominations greater than or equal to $100,000		Denominations less than $100,000		Denominations greater than or equal to $100,000		Denominations less than $100,000
	(in thousands)
Three months or less	$	9,292	$	7,415	$	6,206	$	7,610
Over three through six months	10,135		7,920		11,731		7,304
Over six through twelve months	27,342		21,778		18,341		14,807
Over one through two years	17,199		13,719		43,133		33,163
Over two through three years	53,361		19,233		33,556		10,825
Over three through four years	56,871		25,473		51,140		23,616
Over four through five years	51,904		27,553		63,351		30,134
Total	$	226,104	$	123,091	$	227,458	$	127,459

Interest expense on deposits is summarized as follows:



	Three months ended March 31,				Six months ended March 31,
	2016		2015		2016		2015
	(in thousands)
Certificates of deposit	$	1,406	$	1,459	$	2,854	$	2,983
Money market, savings and NOW accounts ⁽¹⁾	1,346		631		1,917		1,244
Total interest expense on deposits	$	2,752	$	2,090	$	4,771	$	4,227


(1)	The balances for the three and six months ended March 31, 2016, respectively, are presented net of interest expense associated with affiliate deposits.