COMMITMENTS AND CONTINGENCIES (Tables)

3 Months Ended

Mar. 31, 2021

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, 2021				December 31, 2020
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Unused lines of credit	$	78,991	$	438,037	$	78,506	$	360,883
Standby letters of credit		413		17,200		1,933		17,524
Commitments to make loans to sell		192,355		—		370,512		—
Commitments to make loans	$	20,018	$	17,706	$	24,225	$	25,316