DEPOSITS

Deposits are summarized as follows:



December 31,	2015		2014
Non-interest bearing demand	$	1,823,716	$	1,791,364
Interest bearing:
Demand	2,178,373		2,133,273
Savings	1,955,256		1,843,355
Time, $100 and over	487,372		520,125
Time, other	644,220		718,095
Total interest bearing	5,265,221		5,214,848
Total deposits	$	7,088,937	$	7,006,212

The Company had no brokered time deposits as of December 31, 2015 and 2014.

Other time deposits include deposits obtained through the Company’s participation in the Certificate of Deposit Account Registry Service (“CDARS”). CDARS deposits totaled $38,336 and $40,491 as of December 31, 2015 and 2014, respectively.

As of December 31, 2015 and 2014, the Company had time deposits of $222,912 and $228,410, respectively, that met or exceeded the FDIC insurance limit of $250.

Maturities of time deposits at December 31, 2015 are as follows:



	Time, $100 and Over		Total Time
Due within 3 months or less	$	109,343	$	309,819
Due after 3 months and within 6 months	82,059		161,333
Due after 6 months and within 12 months	131,381		266,174
Due after 12 months	164,589		394,266
Total	$	487,372	$	1,131,592

Interest expense on time deposits of $100 or more was $3,739, $4,003 and $4,880 for the years ended December 31, 2015, 2014 and 2013, respectively.