Deposits (Tables)

12 Months Ended

Dec. 31, 2019

Deposits

Schedule of components of deposits

	2019		2018
	(In Thousands)
Non-interest bearing	$	12,886	$	10,947
NOW accounts		30,950		28,376
Regular savings, tax escrow and demand clubs		25,500		27,478
Money market		33,392		31,880
Individual retirement accounts		6,774		6,477
Certificates of deposit		126,058		117,457
	$	235,560	$	222,615

Schedule of individual retirement accounts and certificates of deposit have scheduled maturities

2020	$	96,523
2021		32,296
2022		1,903
2023		905
2024		1,205
	$	132,832

Schedule of interest expense on deposits

	2019		2018
	(In Thousands)
NOW accounts	$	88	$	92
Regular savings and demand clubs		164		147
Money market		330		345
Individual retirement accounts		116		85
Certificates of deposit		2,771		1,922
	$	3,469	$	2,591