7. Deposits

The major components of interest-bearing and noninterest-bearing deposits at December 31, 2011 and 2010, are summarized as follows:

December 31	2011		2010
Interest-bearing deposits:
Money market accounts	$	37,924	$	36,032
Now accounts		54,356		41,471
Savings accounts		200,419		195,121
Time deposits less than $100		71,864		65,161
Time deposits $100 or more		36,735		27,286
Total interest-bearing deposits		401,298		365,071
Noninterest-bearing deposits		92,985		73,663
Total deposits	$	494,283	$	438,734

The aggregate amounts of maturities for all time deposits at December 31, 2011, are summarized as follows:

2012	$	44,322
2013		12,875
2014		19,724
2015		14,676
2016		9,708
Thereafter		7,294
	$	108,599

The aggregate amount of deposits reclassified as loans was $82 at December 31, 2011, and 2010. Management evaluates transaction accounts that are overdrawn for collectability as part of its evaluation for credit losses. During 2011 and 2010, no deposits were received on terms other than those available in the normal course of business.