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Deposits
12 Months Ended
Dec. 31, 2014
DEPOSITS  
DEPOSITS

 

8.DEPOSITS

 

A summary of deposit balances is as follows:

 

 

 

At December 31,

 

 

 

2014

 

2013

 

 

 

(In thousands)

 

 

 

 

 

 

 

Demand

 

$

26,066 

 

$

24,528 

 

On us accounts

 

783 

 

934 

 

NOW

 

30,049 

 

28,927 

 

Money market deposits

 

52,202 

 

43,062 

 

Regular and other savings

 

14,226 

 

14,755 

 

Total non-certificate accounts

 

123,326 

 

112,206 

 

 

 

 

 

 

 

Term certificates less than $100,000

 

16,378 

 

19,374 

 

Term certificates of $100,000 or more

 

42,650 

 

44,381 

 

Total certificate accounts

 

59,028 

 

63,755 

 

 

 

 

 

 

 

Total deposits

 

$

182,354 

 

$

175,961 

 

 

A summary of term certificate accounts by maturity is as follows:

 

 

 

At December 31,

 

 

 

2014

 

2013

 

 

 

 

 

Weighted

 

 

 

Weighted

 

 

 

 

 

Average

 

 

 

Average

 

 

 

Amount

 

Rate

 

Amount

 

Rate

 

 

 

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

 

 

Within one year

 

$

25,048 

 

0.75 

%

$

27,082 

 

0.73 

%

Greater than one year to two years

 

16,872 

 

1.22 

 

17,125 

 

0.94 

 

Greater than two years to three years

 

7,763 

 

1.46 

 

12,901 

 

1.39 

 

Greater than three years to four years

 

5,659 

 

1.49 

 

3,869 

 

1.86 

 

Greater than four years to five years

 

3,686 

 

1.65 

 

2,778 

 

1.53 

 

 

 

 

 

 

 

 

 

 

 

Total certificate accounts

 

$

59,028 

 

1.10 

%

$

63,755 

 

1.02 

%

 

There were $1,240,000 and $596,000 of brokered certificate accounts at December 31, 2014 and 2013, respectively.  There were $27,815,000 and $26,700,000 of certificate accounts obtained through a listing service at December 31, 2014 and 2013, respectively.  The aggregate amount of time deposit accounts in denominations that meet or exceed the Federal Deposit Insurance Corporation (FDIC) insurance limit $250,000 as of December 31, 2014 was $10,590,000.