10. Deposits:

The major components of interest-bearing and noninterest-bearing deposits at December 31, 2015 and 2014 are summarized as follows:


December 31	2015		2014
Interest-bearing deposits:
Money market accounts	$	197,258	$	197,442
Now accounts		279,004		254,924
Savings accounts		386,593		391,952
Time deposits less than $250		237,176		238,964
Time deposits $250 or more		34,801		28,778
Total interest-bearing deposits		1,134,832		1,112,060
Noninterest-bearing deposits		320,978		313,498
Total deposits	$	1,455,810	$	1,425,558

The aggregate amounts of maturities for all time deposits at December 31, 2015, are summarized as follows:


2016	$	160,229
2017		33,396
2018		28,834
2019		13,853
2020		21,626
Thereafter		14,039
	$	271,977

The aggregate amount of deposits reclassified as loans was $187 at December 31, 2015, and $463 at December 31, 2014. Management evaluates transaction accounts that are overdrawn for collectability as part of its evaluation for credit losses. During 2015 and 2014, no deposits were received on terms other than those available in the normal course of business.