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


	September 30, 2015		December 31, 2014
(Amounts in thousands)
Noninterest-bearing demand deposits	$	442,021	$	417,729
Interest-bearing deposits:
Interest-bearing demand deposits		343,303		353,874
Money market accounts		216,567		225,196
Savings deposits		310,060		300,282
Certificates of deposit		452,836		557,352
Individual retirement accounts		138,115		146,326

Total interest-bearing deposits		1,460,881		1,583,030

Total deposits	$	1,902,902	$	2,000,759