Note 7. Deposits

Deposits consist of the following at:



(Dollars in thousands)	December 31, 2013				December 31, 2012
Non-interest bearing deposits	$	1,374,419	24.6	%	1,191,933	22.2	%
NOW accounts	1,113,878		20.0	%	988,984	18.4	%
Savings accounts	600,998		10.8	%	478,809	8.9	%
Money market deposit accounts	1,168,918		20.9	%	931,370	17.4	%
Certificate accounts	1,116,622		20.0	%	1,015,491	19.0	%
Wholesale deposits ¹	205,132		3.7	%	757,874	14.1	%
Total interest bearing deposits	4,205,548		75.4	%	4,172,528	77.8	%
Total deposits	$	5,579,967	100.0	%	5,364,461	100.0	%
Deposits with a balance of $100,000 and greater
Demand deposits	$	2,685,577			2,361,528
Certificate accounts	661,924				1,044,488
Total balances of $100,000 and greater	$	3,347,501			3,406,016

__________

¹Wholesale deposits include brokered deposits classified as NOW, money market deposit and certificate accounts.

The scheduled maturities of time deposits are as follows and include $51,979,000 of wholesale deposits as of December 31, 2013:



(Dollars in thousands)	Amount
Years ending December 31,
2014	$	864,633
2015	164,104
2016	79,425
2017	33,975
2018	19,244
Thereafter	7,220
	$	1,168,601

Note 7. Deposits (continued)

The Company reclassified $3,422,000 and $3,482,000 of overdraft demand deposits to loans as of December 31, 2013 and 2012, respectively. The Company has entered into deposit transactions with its executive officers and directors and their affiliates. The aggregate amount of deposits with such related parties at December 31, 2013, and 2012 was $12,770,000 and $20,404,000, respectively.

Debit card expense for the years ended December 31, 2013, 2012, and 2011 was $6,131,000, $4,497,000, and $4,400,000, respectively, and was included in other expense in the Company’s statements of operations.