The following table presents the components of deposits as of the dates indicated:


	June 30, 2015		December 31, 2014
(Amounts in thousands)
Noninterest-bearing demand deposits	$	424,438	$	417,729
Interest-bearing deposits:
Interest-bearing demand deposits		329,583		353,874
Money market accounts		214,735		225,196
Savings deposits		313,268		300,282
Certificates of deposit		497,463		557,352
Individual retirement accounts		140,734		146,326

Total interest-bearing deposits		1,495,783		1,583,030

Total deposits	$	1,920,221	$	2,000,759