COMMITMENTS AND CONTINGENCIES (Tables)

12 Months Ended

Dec. 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):

	December 31, 2021				December 31, 2020
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Unused lines of credit	$	136,289	$	442,035	$	78,506	$	360,883
Standby letters of credit		2,420		20,940		1,933		17,524
Commitments to make loans to sell		60,529		—		370,512		—
Commitments to make loans		16,256		14,920		24,225		25,316