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Note 8: Deposits | 12 Months Ended
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Dec. 31, 2015
Notes |
Note 8: Deposits | Note 8: Deposits Deposits at December 31, 2015 and 2014, are summarized as follows:
| Weighted Average |  |
| Interest Rate |  | 2015 |  | 2014
(In Thousands, Except Interest Rates) |  |  |  |  |
Noninterest-bearing accounts | -- |  | $571,629 |  | $518,266
Interest-bearing checking and |  |  |  |  |
savings accounts | 0.24% - 0.19% |  | 1,408,850 |  | 1,375,100
|  |  | 1,980,479 |  | 1,893,366
Certificate accounts | 0% - 0.99% |  | 863,865 |  | 798,932
| 1% - 1.99% |  | 381,956 |  | 227,476
| 2% - 2.99% |  | 39,592 |  | 61,146
| 3% - 3.99% |  | 1,137 |  | 8,065
| 4% - 4.99% |  | 1,304 |  | 1,435
| 5% and above |  | 293 |  | 420
|  |  | 1,288,147 |  | 1,097,474
|  |  | $3,268,626 |  | $2,990,840
The weighted average interest rate on certificates of deposit was 0.85% and 0.78% at December 31, 2015 and 2014, respectively. The aggregate amount of certificates of deposit originated by the Bank in denominations greater than $100,000 was approximately $493.6 million and $402.0 million at December 31, 2015 and 2014, respectively. The Bank utilizes brokered deposits as an additional funding source. The aggregate amount of brokered deposits was approximately $283.7 million and $173.5 million at December 31, 2015 and 2014, respectively. At December 31, 2015, scheduled maturities of certificates of deposit were as follows:
| Retail |  | Brokered |  | Total
(In Thousands) |  |  |  |  |
2016 | $727,380 |  | $202,089 |  | $929,469
2017 | 186,133 |  | 79,267 |  | 265,400
2018 | 57,968 |  | 2,392 |  | 60,360
2019 | 12,536 |  | -- |  | 12,536
2020 | 15,644 |  | -- |  | 15,644
Thereafter | 4,738 |  | -- |  | 4,738
| $1,004,399 |  | $283,748 |  | $1,288,147
A summary of interest expense on deposits for the years ended December 31, 2015, 2014 and 2013, is as follows:
| 2015 |  | 2014 |  | 2013
(In Thousands) |  |  |  |  |
Checking and savings accounts | $2,858 |  | $3,088 |  | $3,551
Certificate accounts | 10,739 |  | 8,264 |  | 8,871
Early withdrawal penalties | (86) |  | (127) |  | (76)
| $13,511 |  | $11,225 |  | $12,346

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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 FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 405 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=50488274&loc=d3e64164-112818 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 + Details
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