DEPOSITS

A summary of deposits at December 31, 2019 and 2018 is as follows (in thousands):



	2019		2018
Non-interest-bearing demand deposits	$	468,238	$	484,433
Interest-bearing demand deposits	200,089		179,603
Insured money market accounts	530,242		537,948
Savings deposits	212,393		217,027
Time deposits	161,176		150,226
Total	$	1,572,138	$	1,569,237

Scheduled maturities of time deposits at December 31, 2019, are summarized as follows (in thousands):



Year	Maturities
2020	$	81,015
2021	18,939
2022	42,040
2023	13,091
2024	2,968
2025	3,123
Total	$	161,176

Time deposits that meet or exceed the FDIC Insurance limit of $250 thousand at December 31, 2019 and 2018 were $27.7 million and $22.4 million, respectively.