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CUSTOMER DEPOSIT ACCOUNTS | 12 Months Ended
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Dec. 31, 2011
CUSTOMER DEPOSIT ACCOUNTS |
CUSTOMER DEPOSIT ACCOUNTS |
15. CUSTOMER DEPOSIT ACCOUNTS Customer deposit account balances are summarized as follows:
|  | December 31, |
--- | --- | --- | ---
|  | 2011 |  | 2010 |
|  | (In thousands) |
Noninterest-bearing demand |  | $ | 3,492,795 |  | $ | 2,676,466 |
Interest-bearing checking |  |  | 971,179 |  |  | 757,446 |
Money market accounts |  |  | 4,678,409 |  |  | 4,457,376 |
Savings deposits |  |  | 1,164,618 |  |  | 984,518 |
Total core deposits |  |  | 10,307,001 |  |  | 8,875,806 |
Time deposits: |  |  |  |  |  |  |
Less than $100,000 |  |  | 2,186,604 |  |  | 2,239,836 |
$100,000 or greater |  |  | 4,959,397 |  |  | 4,525,617 |
Total time deposits |  |  | 7,146,001 |  |  | 6,765,453 |
Total deposits |  | $ | 17,453,002 |  | $ | 15,641,259 |
The $4.96 billion and $4.53 billion balance of time deposits $100 thousand or greater at December 31, 2011 and 2010, includes $264.6 million and $481.8 million of deposits held by the Company's foreign branch located in Hong Kong. At December 31, 2011, the scheduled maturities of time deposits are as follows:
|  | $100,000 or Greater |  | Less Than $100,000 |  | Total |
--- | --- | --- | --- | --- | --- | --- | ---
|  | (In thousands) |
2012 |  | $ | 4,241,832 |  | $ | 1,962,274 |  | $ | 6,204,106 |
2013 |  |  | 345,327 |  |  | 165,990 |  |  | 511,317 |
2014 |  |  | 101,042 |  |  | 6,648 |  |  | 107,690 |
2015 |  |  | 43,151 |  |  | 45,776 |  |  | 88,927 |
2016 |  |  | 73,520 |  |  | 5,908 |  |  | 79,428 |
Thereafter |  |  | 154,525 |  |  | 8 |  |  | 154,533 |
Total |  | $ | 4,959,397 |  | $ | 2,186,604 |  | $ | 7,146,001 |
Accrued interest payable totaled $7.1 million and $2.6 million at December 31, 2011 and 2010, respectively. Interest expense on customer deposits by account type is summarized as follows:
|  | December 31, |
--- | --- | --- | ---
|  | 2011 |  | 2010 |  | 2009 |
|  |  |  | (In thousands) |  |  |
Interest-bearing checking |  | $ | 3,009 |  | $ | 2,349 |  | $ | 1,507 |
Money market accounts |  |  | 20,610 |  |  | 29,514 |  |  | 25,583 |
Savings deposits |  |  | 2,988 |  |  | 3,986 |  |  | 3,322 |
Time deposits: |  |  |  |  |  |  |  |  |  |
Less than $100,000 |  |  | 29,329 |  |  | 34,958 |  |  | 32,073 |
$100,000 or greater |  |  | 51,174 |  |  | 45,930 |  |  | 66,992 |
Total |  | $ | 107,110 |  | $ | 116,737 |  | $ | 129,477 |
As of December 31, 2011, time deposits within the Certificate of Deposit Account Registry Service ("CDARS") program decreased to $580.9 million, compared to $713.5 million at December 31, 2010. The CDARS program allows customers with deposits in excess of FDIC-insured limits to obtain full coverage on time deposits through a network of banks within the CDARS program. Additionally, the Company is partnered with another financial institution and offers a retail sweep product for non-time deposit accounts to provide added deposit insurance coverage for deposits in excess of FDIC-insured limits. Deposits gathered through these programs are considered brokered deposits under current regulatory reporting guidelines.

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- Definition The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 01-6 -Paragraph 14 -Subparagraph e -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.12) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 405 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818 + Details
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