DEPOSITS

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



	December 31
	2013				2012
	Amount		Percent of Total		Amount		Percent of Total
Non-interest-bearing checking	$	1,115,346	30.8	%	$	981,240	27.6	%
Interest-bearing checking	422,910		11.7		410,316		11.5
Regular savings accounts	798,764		22.1		727,957		20.5
Money market accounts	408,211		11.3		408,998		11.5
Total transaction and savings accounts	2,745,231		75.9		2,528,511		71.1
Certificates of deposit:
Up to 1.00%	723,891		20.0		792,674		22.3
1.01% to 2.00%	95,663		2.6		155,144		4.3
2.01% to 3.00%	43,062		1.2		59,094		1.6
3.01% to 4.00%	6,663		0.2		12,881		0.4
4.01% and greater	3,416		0.1		9,500		0.3
Total certificates of deposit	872,695		24.1		1,029,293		28.9
Total deposits	$	3,617,926	100.0	%	$	3,557,804	100.0	%
Included in total deposits:
Public transaction accounts	$	87,521	2.4	%	$	79,955	2.2	%
Public interest-bearing certificates	51,465		1.4		60,518		1.7
Total public deposits	$	138,986	3.8	%	$	140,473	3.9	%
Total brokered deposits	$	4,291	0.1	%	$	15,702	0.4	%

Deposits at December 31, 2013 and 2012 included deposits from the Company’s directors, executive officers and related entities totaling $6.7 million and $8.9 million, respectively.

Scheduled maturities and weighted average interest rates of certificate accounts at December 31, 2013 and 2012 are as follows (dollars in thousands):



	December 31
	2013				2012
	Amount		Weighted Average Rate		Amount		Weighted Average Rate
Maturing in one year or less	$	660,394	0.47	%	$	759,626	0.64	%
Maturing after one year through two years	117,789		1.05		153,371		1.05
Maturing after two years through three years	47,362		1.34		56,419		1.72
Maturing after three years through four years	26,443		1.56		29,571		1.78
Maturing after four years through five years	17,075		1.34		26,782		1.59
Maturing after five years	3,632		1.78		3,524		2.66
Total certificates of deposit	$	872,695	0.65	%	$	1,029,293	0.82	%

Included in total deposits are certificate of deposit accounts with balances equal to or greater than $100,000 totaling $486 million and $571 million at December 31, 2013 and 2012, respectively. Interest expense on certificate of deposit accounts with balances equal to or greater than $100,000 totaled $4.0 million for the year ended December 31, 2013 and $6.7 million for the year ended December 31, 2012.

The following table sets forth the deposit activities for the years ended December 31, 2013, 2012 and 2011 (in thousands):



	Years Ended December 31
	2013		2012		2011
Balance at beginning of year	$	3,557,804	$	3,475,654	$	3,591,198
Net increase (decrease) before interest credited	50,385		67,043		(141,708		)
Interest credited	9,737		15,107		26,164
Net increase (decrease) in deposits	60,122		82,150		(115,544		)
Balance at end of year	$	3,617,926	$	3,557,804	$	3,475,654

Deposit interest expense by type for the years ended December 31, 2013, 2012 and 2011 was as follows (in thousands):



	Years Ended December 31
	2013		2012		2011
Certificates of deposit	$	6,836	$	11,458	$	19,752
Demand, interest-bearing checking and money market accounts	1,329		1,824		3,293
Regular savings	1,572		1,825		3,119
	$	9,737	$	15,107	$	26,164