NOTE 7: DEPOSITS

The following table sets forth a summary of the weighted average interest rates for each type of deposit at December 31, 2013 and 2012:


	December 31,
	2013								2012
(dollars in thousands)	Amount		Percent of Total			Weighted Average Interest Rate ⁽¹⁾			Amount		Percent of Total			Weighted Average Interest Rate ⁽¹⁾
NOW and money market accounts	$	10,536,947		41.06	%		0.32	%	$	8,783,795		35.31	%		0.41	%
Savings accounts		5,921,437		23.08			0.44			4,213,972		16.94			0.31
Certificates of deposit		6,932,096		27.01			1.16			9,120,914		36.66			1.18
Non-interest-bearing accounts		2,270,512		8.85			—			2,758,840		11.09			—

Total deposits	$	25,660,992		100.00	%		0.54	%	$	24,877,521		100.00	%		0.63	%

(1)

Excludes the effect of purchase accounting adjustments for certificates of deposits (“CDs”).

At December 31, 2013 and 2012, the aggregate amounts of deposits that had been reclassified as loan balances (i.e., overdrafts) were $4.7 million and $5.2 million, respectively.

The scheduled maturities of CDs at December 31, 2013 were as follows:


(in thousands)
1 year or less	$	4,031,954
More than 1 year through 2 years		1,952,304
More than 2 years through 3 years		529,219
More than 3 years through 4 years		275,947
More than 4 years through 5 years		88,858
Over 5 years		53,814

Total CDs	$	6,932,096

The following table presents a summary of CDs in amounts of $100,000 or more, by remaining term to maturity, at December 31, 2013:


	CDs of $100,000 or More Maturing Within
(in thousands)	0 – 3 Months		Over 3 to 6 Months		Over 6 to 12 Months		Over 12 Months		Total
Total	$	571,035	$	664,375	$	748,888	$	1,419,644	$	3,403,942

At December 31, 2013 and 2012, the aggregate amounts of CDs of $100,000 or more were $3.4 billion and $4.7 billion, respectively.

Included in total deposits at December 31, 2013 and 2012 were brokered deposits of $4.1 billion and $4.7 billion, respectively. Excluding purchase accounting adjustments, brokered deposits had weighted average interest rates of 0.24% and 0.39% at the respective year-ends. Brokered money market accounts represented $3.6 billion and $3.7 billion, respectively, of the year-end 2013 and 2012 totals and brokered non-interest-bearing accounts represented $260.5 million and $189.2 million, respectively. Brokered CDs represented $212.1 million and $793.8 million, respectively, of brokered deposits at December 31, 2013 and 2012.