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


(Amounts in thousands)	September 30, 2016		December 31, 2015
Noninterest-bearing demand deposits	$	473,509	$	451,511
Interest-bearing deposits
Interest-bearing demand deposits		339,563		347,705
Money market accounts		199,648		213,982
Savings deposits		322,076		316,603
Certificates of deposit		393,567		408,519
Individual retirement accounts		133,536		134,939

Total interest-bearing deposits		1,388,390		1,421,748

Total deposits	$	1,861,899	$	1,873,259