DEPOSITS

12 Months Ended

Dec. 31, 2022

Deposits [Abstract]

DEPOSITS

DEPOSITS

A summary of deposits at December 31, 2022 and 2021 is as follows (in thousands):

	2022		2021
Non-interest-bearing demand deposits	$	733,329	$	739,607
Interest-bearing demand deposits	271,645		284,721
Money market accounts	640,840		654,553
Savings deposits	279,029		280,195
Certificates of deposits $250,000 or less	272,182		141,990
Certificates of deposits greater than $250,000	31,547		27,974
One-way brokered deposits 1	73,452		—
Other time deposits 2	25,203		26,393
Total	$	2,327,227	$	2,155,433

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1 Brokered deposits which are individually $250,000 and under.

2 Includes Individual Retirement Accounts and Christmas Club Accounts.

Total customer deposits include reciprocal balances from checking, money market deposits and CDs received from participating banks in nationwide deposit networks as a result of our customers electing to participate in Corporate offered ICS/CDARS programs allowing enhanced FDIC insurance protection. In general, the equivalent of the customers' original deposited funds comes back to the Corporation and are carried within the time deposits category.

Scheduled maturities of time deposits at December 31, 2022, are summarized as follows (in thousands):

Year	Maturities
2023 1	303,719
2024	75,324
2025	10,702
2026	5,998
2027	2,784
2028	3,857
Total	$	402,384

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1 $73.5 million of 2023 maturities represent brokered deposits.

Time deposits that meet or exceed the FDIC Insurance limit of $250 thousand at December 31, 2022 and 2021 were $36.4 million and $28.8 million, respectively.