Note 6. Deposits

The composition of deposits as of December 31, 2015 and December 31, 2014 is as follows:


	2015		2014
Non-interest bearing	$	148,724,257	$	145,729,932
NOW and money market accounts		323,381,170		268,567,815
Savings deposits		70,534,886		60,253,788
Time deposits, $100,000 or more		116,023,999		121,360,214
Other time deposits		94,740,476		100,182,145


Total	$	753,404,788	$	696,093,894

The scheduled maturities of time deposits at December 31, 2015 are as follows:


Year Ending December 31,	Amount
2015	$	163,727,234
2016		44,348,971
2017		2,459,254
2018		194,387
2019		34,629


	$	210,764,475

Interest expense for time deposits over $100,000 was approximately $626,000, $671,000 and $754,000 for the years ended December 31, 2015, 2014 and 2013, respectively.