DEPOSITS AND RETAIL REPURCHASE AGREEMENTS

Deposits consisted of the following at March 31, 2015 and December 31, 2014 (dollars in thousands):



	March 31, 2015				December 31, 2014
	Amount		Percent of Total		Amount		Percent of Total
Non-interest-bearing accounts	$	1,504,768	34.8	%	$	1,298,866	33.3	%
Interest-bearing checking	472,033		10.9		439,480		11.3
Regular savings accounts	979,824		22.7		901,142		23.1
Money market accounts	584,743		13.6		488,946		12.5
Total transaction and saving accounts	3,541,368		82.0		3,128,434		80.2
Certificates of deposit	778,049		18.0		770,516		19.8
Total deposits	$	4,319,417	100.0	%	$	3,898,950	100.0	%
Included in total deposits:
Public fund transaction accounts	$	102,218	2.3	%	$	102,854	2.6	%
Public fund interest-bearing certificates	35,326		0.8		35,346		0.9
Total public deposits	$	137,544	3.1	%	$	138,200	3.5	%
Total brokered deposits	$	4,800	0.1	%	$	4,799	0.1	%

Certificate of deposit accounts by total balance at March 31, 2015 and December 31, 2014 were as follows (in thousands):



	March 31, 2015		December 31, 2014
Certificates of deposit less than $250,000	634,318		629,345
Certificates of deposit $250,000 and greater	143,731		141,171
Total certificates of deposit	$	778,049	$	770,516

Scheduled maturities and repricing of certificate accounts at March 31, 2015 and December 31, 2014 were as follows (in thousands):



	March 31, 2015		December 31, 2014
Certificates which mature or reprice:
Within one year or less	$	569,959	$	564,501
After one year through two years	118,434		117,724
After two years through three years	47,579		46,378
After three years through four years	17,793		20,016
After four years through five years	19,947		17,338
After five years	4,337		4,559
Total certificates of deposit	$	778,049	$	770,516

The following table presents the geographic concentration of deposits at March 31, 2015 (dollars in thousands):



	Washington			Oregon			Idaho			Total
Total deposits	$	2,865,536		$	1,206,944		$	246,937		$	4,319,417
Percent of total deposits	66.3		%	28.0		%	5.7		%	100.0		%

In addition to deposits, the banks also offer retail repurchase agreements which are customer funds that are primarily associated with sweep account arrangements tied to transaction deposit accounts. While the banks 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 retail repurchase agreement balances as of March 31, 2015 and December 31, 2014 (in thousands):



	March 31, 2015		December 31, 2014
Retail repurchase agreements	$	97,020	$	77,185