COMMITMENTS AND CONTINGENCIES (Tables)

9 Months Ended

Sep. 30, 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):

	September 30, 2021				December 31, 2020
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Unused lines of credit	$	73,975	$	418,045	$	78,506	$	360,883
Standby letters of credit		3,540		20,940		1,933		17,524
Commitments to make loans to sell		113,746		—		370,512		—
Commitments to make loans		40,804		15,236		24,225		25,316