COMMITMENTS AND CONTINGENCIES (Tables)

12 Months Ended

Dec. 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):

	December 31, 2020				December 31, 2019
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Unused lines of credit	$	78,506	$	360,883	$	32,896	$	290,653
Standby letters of credit		1,933		17,524		1,759		24,197
Commitments to make loans to sell		370,512		—		47,354		—
Commitments to make loans	$	24,225	$	25,316	$	—	$	—