Deposits

The composition of deposits at December 31, 2015 and 2014 was as follows. Weighted average balances represent year-to-date averages.



	December 31, 2015						December 31, 2014
	Balance		Weighted average balance		Weighted average rate		Balance		Weighted average balance		Weighted average rate
	(Dollars in Thousands)
Non-interest-bearing transaction accounts	$	231,199	$	211,945	—	%	$	204,328	$	154,687	—	%
Interest-bearing transaction accounts	165,921		125,558		0.24		104,199		83,508		0.22
Money market accounts	612,642		602,842		0.55		575,766		493,322		0.52
Certificates of deposit	79,986		106,177		0.78		126,635		60,284		0.89
Wholesale deposits	487,483		450,460		1.43		427,340		416,202		1.49
Total deposits	$	1,577,231	$	1,496,982	0.73		$	1,438,268	$	1,208,003	0.78

A summary of annual maturities of certificates of deposit outstanding, including wholesale deposits, at December 31, 2015 follows:



(In Thousands)
Maturities during the year ended December 31,
2016	$	190,305
2017	103,109
2018	87,074
2019	66,751
2020	80,606
Thereafter	39,624
	$	567,469

Deposits include approximately $11.5 million and $22.6 million of certificates of deposit, including wholesale deposits, which are denominated in amounts of $250,000 or more at December 31, 2015 and 2014, respectively.