Interest-Bearing Deposits

12 Months Ended

Dec. 31, 2015

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Interest-Bearing Deposits

NOTE 9 - INTEREST-BEARING DEPOSITS

Interest-bearing deposits as of December 31, 2015 and 2014 were as follows:

	2015		2014
Demand	$	176,303	$	179,388
Statement and Passbook Savings		364,066		318,859
Certificates of Deposit:
In excess of $100		53,499		53,669
Other		130,840		139,531
Individual Retirement Accounts		26,710		26,770
Total	$	751,418	$	718,217

Scheduled maturities of certificates of deposit, including IRA’s at December 31, 2015 were as follows:

2016	$	124,120
2017		53,071
2018		14,539
2019		13,508
2020		5,314
Thereafter		497
Total	$	211,049

Deposits from the Company’s principal officers, directors, and their affiliates at year-end 2015 and 2014 were $6,868 and $6,882, respectively.

As of December 31, 2015, CDs and IRAs totaling $17,904 met or exceeded the FDIC’s insurance limit.