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COMMITMENTS, CONTINGENCIES AND CREDIT RISKS (Tables)
 3 Months Ended
Mar. 31, 2015
COMMITMENTS, CONTINGENCIES, AND CREDIT RISK  
Schedule of commitments

These commitments are as follows (dollars in thousands):

 

 

March 31,

 

December 31,

 

March 31,

 

 

 

2015

 

2014

 

2014

 

Commitments to extend credit:

 

 

 

 

 

 

 

Variable rate

 

$
42,690 

 

$
44,134 

 

$
40,704 

 

Fixed rate

 
21,713 

 
24,191 

 
14,377 

 

Standby letters of credit - Variable rate

 
6,310 

 
6,072 

 
5,396 

 

Credit card commitments - Fixed rate

 
3,367 

 
3,267 

 
3,279 

 

 

 

 

 

 

 

 

 

 

 

$
74,080 

 

$
77,664 

 

$
63,756