COMMITMENTS AND CONTINGENCIES (Tables)

3 Months Ended

Mar. 31, 2020

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, 2020				December 31, 2019
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Unused lines of credit	$	31,690	$	274,056	$	32,896	$	290,653
Standby letters of credit		1,734		24,099		1,759		24,197
Commitments to make loans to sell	$	236,198	$	—	$	47,354	$	—