DEPOSITS AND RETAIL REPURCHASE AGREEMENTS

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



	September 30, 2012				December 31, 2011				September 30, 2011
	Amount		Percent of Total		Amount		Percent of Total		Amount		Percent of Total
Non-interest-bearing accounts	$	918,962	26.3	%	$	777,563	22.4	%	$	763,008	21.6	%
Interest-bearing checking	379,650		10.9		362,542		10.4		362,090		10.2
Regular savings accounts	689,322		19.8		669,596		19.3		670,210		18.9
Money market accounts	411,262		11.8		415,456		11.9		429,083		12.1
Total transaction and saving accounts	2,399,196		68.8		2,225,157		64.0		2,224,391		62.8
Certificates which mature or reprice:
Within 1 year	818,283		23.5		972,315		28.0		1,045,171		29.6
After 1 year, but within 3 years	205,030		5.9		214,091		6.2		204,040		5.8
After 3 years	63,863		1.8		64,091		1.8		63,832		1.8
Total certificate accounts	1,087,176		31.2		1,250,497		36.0		1,313,043		37.2
Total deposits	$	3,486,372	100.0	%	$	3,475,654	100.0	%	$	3,537,434	100.0	%
Included in total deposits:
Public fund transaction accounts	$	72,407	2.1	%	$	72,064	2.1	%	$	67,753	1.9	%
Public fund interest-bearing certificates	61,628		1.7	%	67,112		1.9	%	69,321		2.0	%
Total public deposits	$	134,035	3.8	%	$	139,176	4.0	%	$	137,074	3.9	%
Total brokered deposits	$	21,403	0.6	%	$	49,194	1.4	%	$	59,576	1.7	%

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



	Washington		Oregon		Idaho		Total
Total deposits	$	2,660,783	$	597,826	$	227,763	$	3,486,372

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 retail repurchase agreement balances as of September 30, 2012, December 31, 2011 and September 30, 2011 (in thousands):



	September 30 2012		December 31 2011		September 30 2011
Retail repurchase agreements	$	82,275	$	102,131	$	89,633