Note 7 - Deposits

12 Months Ended

Dec. 31, 2019

Notes to Financial Statements

Deposit Liabilities Disclosures [Text Block]

(7) Deposits

Deposits at December 31, 2019 and 2018 are summarized as follows:

	In Thousands
	2019		2018
Demand deposits	$	284,611		254,157
Savings accounts		140,270		136,645
Negotiable order of withdrawal accounts		558,745		503,435
Money market demand accounts		801,986		727,654
Certificates of deposit $250,000 or greater		131,899		134,506
Other certificates of deposit		425,222		402,690
Individual retirement accounts $250,000 or greater		10,646		8,525
Other individual retirement accounts		64,226		68,043
	$	2,417,605		2,235,655

Principal maturities of certificates of deposit and individual retirement accounts at December 31, 2019 are as follows:

	(In Thousands)
Maturity	Total
2020	$	326,212
2021		160,368
2022		72,578
2023		51,327
2024		21,258
Thereafter		250
	$	631,993

The aggregate amount of overdrafts reclassified as loans receivable was $529,000 and $496,000 at December 31, 2019 and 2018, respectively.

As of December 31, 2019 and 2018, Wilson Bank was not required to maintain a cash balance with the Federal Reserve.