Deposits

Deposits account balances are summarized as follows (in thousands):



	June 30, 2018		December 31, 2017
Non-interest-bearing demand	$	411,427	$	407,267
Interest-bearing negotiable orders of withdrawal (NOW)	421,167		465,140
Savings and money market	1,162,218		1,225,643
Certificates of deposit	972,469		738,929
Total deposits	$	2,967,281	$	2,836,979

Interest expense on deposit accounts is summarized for the periods indicated (in thousands):



	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2018		2017		2018		2017
Negotiable orders of withdrawal, savings, and money market	$	2,312	$	2,079	$	4,455	$	4,109
Certificates of deposit	3,738		1,820		6,806		3,410
Total interest expense on deposit accounts	$	6,050	$	3,899	$	11,261	$	7,519