DEPOSITS AND RETAIL REPURCHASE AGREEMENTS

Deposits consisted of the following at September 30, 2013, December 31, 2012 and September 30, 2012 (dollars in thousands):



	September 30, 2013				December 31, 2012				September 30, 2012
	Amount		Percent of Total		Amount		Percent of Total		Amount		Percent of Total
Non-interest-bearing accounts	$	1,051,831	29.7	%	$	981,240	27.6	%	$	918,962	26.3	%
Interest-bearing checking	399,343		11.3		410,316		11.5		379,650		10.9
Regular savings accounts	775,260		21.9		727,957		20.5		689,322		19.8
Money market accounts	408,827		11.6		408,998		11.5		411,262		11.8
Total transaction and saving accounts	2,635,261		74.5		2,528,511		71.1		2,399,196		68.8
Certificates which mature or reprice:
Within 1 year	667,444		18.9		759,626		21.3		818,283		23.5
After 1 year, but within 3 years	183,411		5.2		209,790		5.9		205,030		5.9
After 3 years	49,169		1.4		59,877		1.7		63,863		1.8
Total certificate accounts	900,024		25.5		1,029,293		28.9		1,087,176		31.2
Total deposits	$	3,535,285	100.0	%	$	3,557,804	100.0	%	$	3,486,372	100.0	%
Included in total deposits:
Public fund transaction accounts	$	70,470	2.0	%	$	79,955	2.2	%	$	72,407	2.0	%
Public fund interest-bearing certificates	51,562		1.5	%	60,518		1.7	%	61,628		1.8	%
Total public deposits	$	122,032	3.5	%	$	140,473	3.9	%	$	134,035	3.8	%
Total brokered deposits	$	4,531	0.1	%	$	15,702	0.4	%	$	21,403	0.6	%

Included in total deposits are certificate of deposit accounts in excess of $100,000 totaling $499 million and $571 million at September 30, 2013 and December 31, 2012, respectively.

The following table presents the geographic concentration of deposits at September 30, 2013 (in thousands):



	Washington			Oregon			Idaho			Total
Total deposits	$	2,679,104		$	610,205		$	245,976		$	3,535,285
Percent of total deposits	75.8		%	17.3		%	6.9		%	100.0		%

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, 2013, December 31, 2012 and September 30, 2012 (in thousands):



	September 30, 2013		December 31, 2012		September 30, 2012
Retail repurchase agreements	$	82,909	$	76,633	$	82,275