Deposits

The following table summarizes deposit composition at the dates indicated.



(dollars in thousands)	December 31, 2012		% of Total		December 31, 2011		% of Total
Noninterest-bearing demand deposits	$	251,235	13.17	%	$	234,673	11.02	%
Interest-bearing demand deposits	362,406		19.00	%	349,802		16.43	%
Savings deposits	74,436		3.90	%	68,236		3.20	%
Money market deposits	455,734		23.90	%	431,790		20.28	%
Brokered deposits	55,590		2.92	%	112,066		5.27	%
Time deposits less than $100,000	417,421		21.89	%	538,306		25.28	%
Time deposits $100,000 or more	290,166		15.22	%	394,238		18.52	%
Total deposits	$	1,906,988	100.00	%	$	2,129,111	100.00	%

The aggregate amount of jumbo certificates of deposit, which include $0.0 million and $0.2 million, respectively, of brokered deposits and have minimum denominations of $100,000, was approximately $290.2 million and $394.4 million in 2012 and 2011, respectively.

At December 31, 2012 and December 31, 2011, $0.4 million of overdrawn transaction deposit accounts were reclassified to loans.

The accompanying table presents the scheduled maturities of time and brokered deposits at December 31, 2012.



(dollars in thousands)
Year ending December 31,
2013	$	503,591
2014	146,131
2015	64,087
2016	27,740
2017	21,617
Thereafter	11
Total time deposits	$	763,177

Interest expense on time deposits of $100,000 or more amounted to $5.0 million in 2012, $6.1 million in 2011 and $8.3 million in 2010.

Under the CommunityOne Order, CommunityOne may not offer, renew or open any brokered deposits. CommunityOne also is subject to limitations on the maximum interest rates it can pay on deposit accounts. However, CommunityOne has been notified by the FDIC that the geographic areas in which the banks operate are considered high-rate areas. Accordingly, CommunityOne is able to offer interest rates on deposits up to 75 basis points over the prevailing interest rates in its geographic areas, although the bank is not currently doing so.