DEPOSITS (Tables)

12 Months Ended

Dec. 31, 2014

Deposits consist of the following at December 31, 2014 and 2013 (dollars in thousands):



	December 31
	2014				2013
	Amount		Percent of Total		Amount		Percent of Total
Non-interest-bearing checking	$	1,298,866	33.3	%	$	1,115,346	30.8	%
Interest-bearing checking	439,480		11.3		422,910		11.7
Regular savings accounts	901,142		23.1		798,764		22.1
Money market accounts	488,946		12.5		408,211		11.3
Total transaction and savings accounts	3,128,434		80.2		2,745,231		75.9
Certificates of deposit:
Up to 1.00%	643,065		16.5		723,891		20.0
1.01% to 2.00%	87,661		2.3		95,663		2.6
2.01% to 3.00%	32,184		0.8		43,062		1.2
3.01% to 4.00%	3,024		0.1		6,663		0.2
4.01% and greater	4,582		0.1		3,416		0.1
Total certificates of deposit	770,516		19.8		872,695		24.1
Total deposits	$	3,898,950	100.0	%	$	3,617,926	100.0	%
Included in total deposits:
Public fund transaction accounts	$	102,854	2.6	%	$	87,521	2.4	%
Public fund interest-bearing certificates	35,346		0.9		51,465		1.4
Total public deposits	$	138,200	3.5	%	$	138,986	3.8	%
Total brokered deposits	$	4,799	0.1	%	$	4,291	0.1	%

Deposits at December 31, 2014 and 2013 included deposits from the Company’s directors, executive officers and related entities totaling $6.2 million and $6.7 million, respectively.

Schedule of Certificate Accounts by Total Balance

Certificate of deposit accounts by total balance at December 31, 2014 and 2013 were as follows (in thousands):



	December 31
	2014		2013
Certificates of deposit less than $100,000	$	358,189	$	386,745
Certificates of deposit $100,000 through $250,000	275,156		308,130
Certificates of deposit more than $250,000	137,171		177,820
Total certificates of deposit	$	770,516	$	872,695

Certificates of deposit of $250,000 and greater totaled $141 million and $184 million at December 31, 2014 and 2013, respectively.

Schedule Maturities and Weighted Average Interest Rates of Certificates of Deposit

Scheduled maturities and weighted average interest rates of certificate accounts at December 31, 2014 and 2013 are as follows (dollars in thousands):



	December 31
	2014				2013
	Amount		Weighted Average Rate		Amount		Weighted Average Rate
Maturing in one year or less	$	564,501	0.46	%	$	660,394	0.47	%
Maturing after one year through two years	117,724		0.89		117,789		1.05
Maturing after two years through three years	46,378		1.19		47,362		1.34
Maturing after three years through four years	20,016		1.42		26,443		1.56
Maturing after four years through five years	17,338		1.22		17,075		1.34
Maturing after five years	4,559		2.09		3,632		1.78
Total certificates of deposit	$	770,516	1.06	%	$	872,695	0.65	%

Schedule of Deposit Liabilities Activities

The following table sets forth the deposit activities for the years ended December 31, 2014, 2013 and 2012 (in thousands):



	Years Ended December 31
	2014		2013		2012
Balance at beginning of year	$	3,617,926	$	3,557,804	$	3,475,654
Net increase before interest credited	273,446		50,385		67,043
Interest credited	7,578		9,737		15,107
Net increase in deposits	281,024		60,122		82,150
Balance at end of year	$	3,898,950	$	3,617,926	$	3,557,804

Schedule of Interest Expense Deposit Liabilities by Type

Deposit interest expense by type for the years ended December 31, 2014, 2013 and 2012 was as follows (in thousands):



	Years Ended December 31
	2014		2013		2012
Certificates of deposit ⁽¹⁾	$	5,145	$	6,836	$	11,458
Demand, interest-bearing checking and money market accounts	1,123		1,329		1,824
Regular savings	1,310		1,572		1,825
	$	7,578	$	9,737	$	15,107


⁽¹⁾	Interest expense on certificate of deposit accounts with balances of $100,000 or more totaled $3.1 million, $4.0 million, and $6.7 million for the years ended December 31, 2014, 2013 and 2012, respectively.