Deposits

The composition of deposits at December 31, 2015 and December 31, 2014 was as follows:



	December 31,
	2015		2014
	(in thousands)
Noninterest bearing demand deposits	$	186,133	$	159,352
Savings and interest bearing demand deposits:
NOW accounts	$	86,199	$	81,441
Money market accounts	105,560		98,314
Regular savings accounts	80,455		69,550
	$	272,214	$	249,305
Time deposits:
Balances of less than $250,000	$	80,444	$	85,899
Balances of $250,000 and more	11,927		9,260
	$	92,371	$	95,159
	$	550,718	$	503,816

Time deposits with balances of less than $250,000 include $12.9 million and $12.9 million in brokered certificates of deposit at December 31, 2015 and 2014, respectively. There were no time deposits with balances of $250,000 and more in brokered certificates of deposit at December 31, 2015 and 2014, respectively.

The outstanding balance of time deposits at December 31, 2015 was due as follows:



	December 31, 2015
	(in thousands)
2016	$	60,214
2017	25,085
2018	2,943
2019	2,938
2020	967
Thereafter	224
	$	92,371

Deposit overdrafts reclassified as loans totaled $116 thousand and $121 thousand at December 31, 2015 and 2014, respectively.