Note 13 - Deposits

A summary of the balances of deposits follows (in thousands):


	September 30		December 31,
	2017		2016
Noninterest-bearing demand	$	1,283,949	$	1,275,745
Interest-bearing demand		965,480		887,625
Savings		1,367,597		1,397,036
Time certificates, over $250,000		74,944		75,184
Other time certificates		235,486		259,970

Total deposits	$	3,927,456	$	3,895,560

Certificate of deposit balances of $50,000,000 from the State of California were included in time certificates, $250,000 and over, at each of September 30, 2017 and December 31, 2016. The Bank participates in a deposit program offered by the State of California whereby the State may make deposits at the Bank’s request subject to collateral and credit worthiness constraints. Overdrawn deposit balances of $1,219,000 and $1,191,000 were classified as consumer loans at September 30, 2017 and December 31, 2016, respectively.