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


	March 31, 2016		December 31, 2015
(Amounts in thousands)
Noninterest-bearing demand deposits	$	453,336	$	451,511
Interest-bearing deposits
Interest-bearing demand deposits		344,153		347,705
Money market accounts		226,509		213,982
Savings deposits		327,574		316,603
Certificates of deposit		391,218		408,519
Individual retirement accounts		131,875		134,939

Total interest-bearing deposits		1,421,329		1,421,748

Total deposits	$	1,874,665	$	1,873,259