7. Deposits

Deposits balances are summarized as follows:


	September 30,		December 31,
	2019		2018
Noninterest bearing demand deposits	$	179,924	$	171,829
Interest bearing accounts:
NOW		98,769		99,715
Savings		121,095		126,822
Money market		160,363		130,356
Time certificates of deposit		209,834		155,696
Total interest bearing accounts		590,061		512,589
Total deposits	$	769,985	$	684,418

Included in time certificates of deposit at September 30, 2019 and December 31, 2018 were reciprocal deposits totaling $19,078 and $21,515, respectively, with original maturities of one to three years. Time certificates of deposit in denominations of $250 or greater were $43,264 and $16,644 as of September 30, 2019 and December 31, 2018, respectively.

Contractual maturities of time certificates of deposit at September 30, 2019 are summarized below:


	September 30,
	2019
Within 1 year	$	172,954
1 – 2 years		14,506
2 – 3 years		13,487
3 – 4 years		2,789
4 – 5 years		6,098
Total	$	209,834