OFF-BALANCE SHEET ACTIVITIES AND COMMITMENTS (Tables)

12 Months Ended

Dec. 31, 2017

OFF-BALANCE SHEET ACTIVITIES AND COMMITMENTS

Schedule of financial instruments with off-balance sheet risk

Financial instruments with off-balance sheet risk were as follows at year-end (in thousands):

		2017				2016
		Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Unused lines of credit	$	—	$	98,413	$	—	$	102,088
Commitments to make loans		4,915		12,334		12,526		17,040
Letters of credit		—		672		—		463