DEPOSITS AND RETAIL REPURCHASE AGREEMENTS

Deposits consisted of the following at June 30, 2015 and December 31, 2014 (dollars in thousands):



	June 30, 2015				December 31, 2014
	Amount		Percent of Total		Amount		Percent of Total
Non-interest-bearing accounts	$	1,484,315	34.5	%	$	1,298,866	33.3	%
Interest-bearing checking	477,492		11.1		439,480		11.3
Regular savings accounts	1,003,189		23.4		901,142		23.1
Money market accounts	566,369		13.2		488,946		12.5
Total transaction and saving accounts	3,531,365		82.2		3,128,434		80.2
Certificates of deposit	765,780		17.8		770,516		19.8
Total deposits	$	4,297,145	100.0	%	$	3,898,950	100.0	%
Included in total deposits:
Public fund transaction accounts	$	116,030	2.7	%	$	102,854	2.6	%
Public fund interest-bearing certificates	33,577		0.8		35,346		0.9
Total public deposits	$	149,607	3.5	%	$	138,200	3.5	%
Total brokered deposits	$	9,646	0.2	%	$	4,799	0.1	%

Certificate of deposit accounts by total balance at June 30, 2015 and December 31, 2014 were as follows (in thousands):



	June 30, 2015		December 31, 2014
Certificates of deposit less than or equal to the FDIC insured limit of $250,000	$	626,675	$	633,345
Certificates of deposit greater than the FDIC insured limit of $250,000	139,105		137,171
Total certificates of deposit	$	765,780	$	770,516

Scheduled maturities and repricing of certificate accounts at June 30, 2015 and December 31, 2014 were as follows (in thousands):



	June 30, 2015		December 31, 2014
Certificates which mature or reprice:
Within one year or less	$	575,372	$	564,501
After one year through two years	103,562		117,724
After two years through three years	44,112		46,378
After three years through four years	17,177		20,016
After four years through five years	21,414		17,338
After five years	4,143		4,559
Total certificates of deposit	$	765,780	$	770,516

The following table presents the geographic concentration of deposits at June 30, 2015 (dollars in thousands):



	Washington			Oregon			Idaho			Total
Total deposits	$	2,858,101		$	1,195,413		$	243,631		$	4,297,145
Percent of total deposits	66.5		%	27.8		%	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 June 30, 2015 and December 31, 2014 (in thousands):



	June 30, 2015		December 31, 2014
Retail repurchase agreements	$	94,523	$	77,185