Deposits and Customer Repurchase Agreements

3 Months Ended

Jun. 30, 2012

Deposits and Customer Repurchase Agreements:

Deposits and Customer Repurchase Agreements

Note 10:  DEPOSITS AND CUSTOMER REPURCHASE AGREEMENTS

Deposits consisted of the following at June 30, 2012, December 31, 2011 and June 30, 2011 (dollars in thousands):

	June 30, 2012		December 31, 2011		June 30, 2011
	Amount	Percent of Total	Amount	Percent of Total	Amount	Percent of Total
Non-interest-bearing accounts	$804,562	23.5%	$777,563	22.4%	$645,778	18.6%
Interest-bearing checking	379,742	11.1	362,542	10.4	356,321	10.3
Regular savings accounts	664,736	19.4	669,596	19.3	631,688	18.2
Money market accounts	405,412	11.8	415,456	11.9	434,281	12.5
Total transaction and saving accounts	2,254,452	65.8	2,225,157	64.0	2,068,068	59.6
Certificates which mature or reprice:
Within 1 year	903,923	26.4	972,315	28.0	1,092,682	31.6
After 1 year, but within 3 years	198,015	5.8	214,091	6.2	242,987	7.0
After 3 years	69,359	2.0	64,091	1.8	62,663	1.8
Total certificate accounts	1,171,297	34.2	1,250,497	36.0	1,398,332	40.4
Total deposits	3,425,749	100.0%	3,475,654	100.0%	3,466,400	100.0%
Included in total deposits:
Public fund transaction accounts	73,507	2.2	72,064	2.1%	72,181	2.0%
Public fund interest-bearing certificates	62,743	1.8	67,112	1.9	69,219	2.0
Total public deposits	$136,250	4.0%	$139,176	4.0%	$141,400	4.0%
Total brokered deposits	$23,521	0.7%	$49,194	1.4%	$73,161	2.1%

The following table presents the geographic concentration of deposits at June 30, 2012 (in thousands):

	Washington	Oregon	Idaho	Total
Total deposits	$2,600,221	$600,748	$224,780	$3,425,749

In addition to deposits, we also offer retail repurchase agreements which are customer funds that are primarily associated with sweep account arrangements tied to transaction deposit accounts.  While we include these collateralized borrowings in other borrowings reported in our Consolidated Statements of Financial Condition, these accounts primarily represent customer utilization of our cash management services and related deposit accounts.

The following table presents customer repurchase agreement balances as of June 30, 2012, December 31, 2011 and June 30, 2011 (in thousands):

	June 30 2012	December 31 2011	June 30 2011
Retail repurchase agreements	$90,030	$102,131	$85,822