7. Deposits

Deposits balances are summarized as follows:


	March 31,		December 31,
	2020		2019
Noninterest bearing demand deposits	$	174,958	$	179,236
Interest bearing accounts:
NOW		97,979		95,572
Savings		127,578		121,139
Money market		153,550		158,747
Time certificates of deposit		230,590		218,649
Total interest bearing accounts		609,697		594,107
Total deposits	$	784,655	$	773,343

Included in time certificates of deposit at March 31, 2020 and December 31, 2019 were reciprocal deposits totaling $27,005 and $21,270, respectively, with original maturities of one to three years. Time certificates of deposit in denominations of $250 or greater were $45,808 and $44,605 as of March 31, 2020 and December 31, 2019, respectively.

Contractual maturities of time certificates of deposit at March 31, 2020 are summarized below:


	March 31,
	2020
Within 1 year	$	197,309
1 – 2 years		17,222
2 – 3 years		4,266
3 – 4 years		3,928
4 – 5 years		7,865
Total	$	230,590