b'NOTE 9.DEPOSITSAt December 31, 2019, the scheduled maturities of time deposits are as follows:Time Deposits All Time$250,000 and over Deposits2020 $16,600,678 $62,422,4322021 2,112,196 18,395,6522022 2,053,266 10,975,7752023 2,185,511 13,380,3172024 2,345,749 11,150,313$25,297,400 $116,324,489 The aggregate amount of deposit overdrafts reclassified as loan balances was $137,281 and $169,001 at December 31, 2019 and 2018, respectively.NOTE 10.FEDERAL HOME LOAN BANK BORROWINGSDecember 31,2019 2018Federal Home Loan Bank advances $10,500,000 $26,800,000 CNB Bank, Inc. is a member of the Federal Home Loan Bank of Pittsburgh (FHLB) and, as such, can take advantage of the FHLB program for overnight and term advances at published daily rates.At December 31, 2019, the Bank had medium term advances with FHLB and a maximum borrowing capacity of $138,819,200.At December 31, 2019, the bank had three medium term advances with FHLB.The first medium term advance carries an interest rate of 3.06% and matures August 2023.The second medium term advance carries an interest rate of 3.11% and matures December 2023.The third medium term advance carries an interest rate of 1.88% and matures September 2024.Under the terms of a blanket collateral agreement, term advances from the FHLB are collateralized by qualifying mortgages and U.S. Government agencies and mortgage-backed securities.In addition, all of the Banks stock in the FHLB is pledged as collateral for such debt.Term advances available under this agreement are limited by available and qualifying collateral and the amount of FHLB stock held by the borrower.2019 2018Maximum balance outstanding$29,000,000 $ 32,000,000 at any month-end during the yearAverage balance for the year $ 11,454,247 $24,747,123Weighted average rate for the year 2.91 % 2.20 %Weighted average rate at year-end 2.62 % 2.73 %Collateral at year-end $ 189,177,000 $ 191,970,000NOTE 11. UNUSED LINES OF CREDITThe Bank entered into a line of credit with SunTrust Bank for $4,500,000 and M&T Bank for $2,000,000 for federal fund purchases.Funds issued under these agreements are at the correspondent Bank federal funds rate effective at the time of borrowing.The Bank had not drawn on these funds at December 31, 2019 and 2018. 29'