DEPOSITS

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



	December 31
	2012				2011
	Amount		Percent of Total		Amount		Percent of Total
Non-interest-bearing checking	$	981,240	27.6	%	$	777,563	22.4	%
Interest-bearing checking	410,316		11.5		362,542		10.4
Regular savings accounts	727,957		20.5		669,596		19.3
Money market accounts	408,998		11.5		415,456		11.9
Total transaction and savings accounts	2,528,511		71.1		2,225,157		64.0
Certificates of deposit:
Up to 1.00%	792,674		22.3		701,593		20.2
1.01% to 2.00%	155,144		4.3		394,285		11.3
2.01% to 3.00%	59,094		1.6		96,334		2.8
3.01% to 4.00%	12,881		0.4		19,495		0.6
4.01% and greater	9,500		0.3		38,790		1.1
Total certificates of deposit	1,029,293		28.9		1,250,497		36.0
Total deposits	$	3,557,804	100.0	%	$	3,475,654	100.0	%
Included in total deposits:
Public transaction accounts	$	79,955	2.2	%	$	72,064	2.1	%
Public interest-bearing certificates	60,518		1.7		67,112		1.9
Total public deposits	$	140,473	3.9	%	$	139,176	4.0	%
Total brokered deposits	$	15,702	0.4	%	$	49,194	1.4	%

Deposits at December 31, 2012 and 2011 included deposits from the Company’s directors, executive officers and related entities totaling $8.9 million and $11.1 million, respectively.

Scheduled maturities and weighted average interest rates of certificate accounts at December 31, 2012 and 2011 are as follows (dollars in thousands):



	December 31
	2012				2011
	Amount		Weighted Average Rate		Amount		Weighted Average Rate
Due in one year or less	$	759,626	0.64	%	$	972,315	1.05	%
Due after one year through two years	153,371		1.05		169,353		1.37
Due after two years through three years	56,419		1.72		44,738		2.22
Due after three years through four years	29,571		1.78		34,841		2.20
Due after four years through five years	26,782		1.59		26,024		1.92
Due after five years	3,524		2.66		3,226		3.60
Total certificates of deposit	$	1,029,293	0.82	%	$	1,250,497	1.19	%

Included in total deposits are certificate of deposit accounts in excess of $100,000 totaling $571 million and $734 million at December 31, 2012 and 2011, respectively. Interest expense on certificate of deposit accounts in excess of $100,000 totaled $6.7 million for the year ended December 31, 2012 and $11.1 million for the year ended December 31, 2011.

The following table sets forth the deposit activities for the years ended December 31, 2012, 2011 and 2010 (in thousands):



	Years Ended December 31
	2012		2011			2010
Balance at beginning of year	$	3,475,654	$	3,591,198		$	3,865,550
Net increase (decrease) before interest credited	67,043		(141,708		)	(326,672		)
Interest credited	15,107		26,164			52,320
Net increase (decrease) in deposits	82,150		(115,544		)	(274,352		)
Balance at end of year	$	3,557,804	$	3,475,654		$	3,591,198

Deposit interest expense by type for the years ended December 31, 2012, 2011 and 2010 was as follows (in thousands):



	Years Ended December 31
	2012		2011		2010
Certificates of deposit	$	11,458	$	19,752	$	40,569
Demand, interest-bearing-checking and money market accounts	1,824		3,293		6,598
Regular savings	1,825		3,119		5,153
	$	15,107	$	26,164	$	52,320