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COMMITMENTS, CONTINGENCIES, AND CREDIT RISK (Tables)
 12 Months Ended
Dec. 31, 2019
COMMITMENTS, CONTINGENCIES AND CREDIT RISK  
Schedule of commitments

These commitments at December 31 are as follows (dollars in thousands):

 

 

 

 

 

 

 

 

2019

    

2018

 

 

 

 

 

 

Commitments to extend credit:

 

 

 

 

 

Variable rate

$

106,278

 

$

88,862

Fixed rate

 

50,796

 

 

54,434

Standby letters of credit - Variable rate

 

5,441

 

 

7,208

Credit card commitments - Fixed rate

 

5,841

 

 

5,107

 

 

 

 

 

 

 

$

168,356

 

$

155,611