Note 7. Deposits

Deposits consist of the following at:



(Dollars in thousands)	December 31, 2012				December 31, 2011
Non-interest bearing deposits	$	1,191,933	22.2	%	1,010,899	21.0	%
NOW accounts	988,984		18.4	%	843,129	17.5	%
Savings accounts	478,809		8.9	%	404,671	8.4	%
Money market deposit accounts	931,370		17.4	%	873,562	18.1	%
Certificate accounts	1,015,491		19.0	%	1,080,917	22.4	%
Wholesale deposits ¹	757,874		14.1	%	608,035	12.6	%
Total interest bearing deposits	4,172,528		77.8	%	3,810,314	79.0	%
Total deposits	$	5,364,461	100.0	%	4,821,213	100.0	%
Deposits with a balance of $100,000 and greater
Demand deposits	$	2,361,528			1,986,757
Certificate accounts	1,044,488				933,183
Total balances of $100,000 and greater	$	3,406,016			2,919,940

__________

¹Wholesale deposits include brokered deposits classified as NOW, money market deposit and certificate accounts, including reciprocal deposits.

The scheduled maturities of time deposits are as follows and include $521,624,000 of wholesale deposits as of December 31, 2012:



(Dollars in thousands)	Amount
Years ending December 31,
2013	$	1,246,425
2014	161,973
2015	73,115
2016	37,073
2017	18,439
Thereafter	90
	$	1,537,115

The Company reclassified $3,482,000 and $2,205,000 of overdraft demand deposits to loans as of December 31, 2012 and 2011, respectively. The Company has entered into deposit transactions with its executive officers and directors and their affiliates. The aggregate amount of deposits with such related parties at December 31, 2012, and 2011 was $20,404,000 and $71,504,000, respectively. The decrease in the related party deposits from the prior year is a result of combining the eleven bank subsidiaries into Glacier Bank. For additional information relating to the combination of the bank subsidiaries, see Note 1.

Debit card expense for the years ended December 31, 2012, 2011, and 2010 was $4,082,000, $4,073,000, and $3,003,000, respectively, and was included in other expense in the Company’s statements of operations.