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COMMITMENTS AND CONTINGENCIES (Tables)
 3 Months Ended
Mar. 31, 2019
COMMITMENTS AND CONTINGENCIES  
Schedule of contract amounts represent credit risk

The following presents the Company’s financial instruments whose contract amounts represent credit risk, as of the dates noted (in thousands):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

March 31, 2019

 

December 31, 2018

 

    

Fixed Rate

    

Variable Rate

    

Fixed Rate

    

Variable Rate

Unused lines of credit

 

$

24,041

 

$

243,186

 

$

33,571

 

$

271,580

Standby letters of credit

 

$

65

 

$

23,508

 

$

40

 

$

23,508

Commitments to make loans to sell

 

$

42,237

 

$

 —

 

$

17,207

 

$

 —

Commitments to make loans

 

$

27,782

 

$

39,045

 

$

2,750

 

$

19,762