DEPOSITS

Deposits consist of the following:



(dollars in thousands)	December 31,
(dollars in thousands)	2019		2018
Noninterest-bearing demand	$	241,174	$	209,378
Interest-bearing:
Demand	523,802		437,169
Money market deposits	283,438		266,160
Savings	69,254		69,893
Certificates of deposit	394,169		447,029
Total interest-bearing	1,270,663		1,220,251

Total Deposits	$	1,511,837	$	1,429,629

As of December 31, 2019, and 2018, there were $7.5 million and $7.9 million, respectively in deposit accounts held by executive officers and directors of the Bank and Company.

The aggregate amount of certificates of deposit in denominations of $250,000 or more at December 31, 2019, and 2018 was $86.6 million and $117.2 million, respectively.

At December 31, 2019 the scheduled contractual maturities of certificates of deposit are as follows:



(dollars in thousands)	December 31, 2019
Within one year	$	309,043
Year 2	56,755
Year 3	15,830
Year 4	7,035
Year 5	5,506
	$	394,169

The FDIC’s examination policies require that the Company monitor all customer deposit concentrations at or above 2% of total deposits. At December 31, 2019, the Bank had two customer deposit relationships that exceeded 2% of total deposits, totaling $297.1 million which represented 19.6% of total deposits of $1,511.8 million. At December 31, 2018, the Bank had one customer deposit relationship that exceeded 2% of total deposits, totaling $158.8 million which represented 11.1% of total deposits of $1,429.6 million. The reported concentrations at December 31, 2019 and 2018 were with local municipal agencies.