COMMITMENTS, OFF-BALANCE SHEET RISKS AND CONTINGENCIES (Tables)

12 Months Ended

Dec. 31, 2020

COMMITMENTS, OFF BALANCE SHEET RISKS AND CONTINGENCIES

Schedule of Financial Instruments Commitments

These financial instruments include commitments to make loans and open-ended revolving lines of credit. Amounts as of the years ended December 31, 2020 and 2019, were as follows:

	2020				2019
	Fixed		Variable		Fixed		Variable
(dollars in thousands)	Rate		Rate		Rate		Rate
Commercial loan lines of credit	$	52,568	$	1,646,539	$	39,104	$	1,451,704
Standby letters of credit		—		53,796		—		70,932
Real estate mortgage loans		11,984		3,921		4,448		1,488
Real estate construction mortgage loans		767		3,051		478		2,139
Home equity mortgage open-ended revolving lines		—		267,530		—		247,562
Consumer loan open-ended revolving lines		—		19,918		180		17,116
Total	$	65,319	$	1,994,755	$	44,210	$	1,790,941

Schedule Of Rate Of Interest Percentage Financial Instruments

Interest rate ranges on commitments and open-ended revolving lines of credit for years ended December 31, 2020 and 2019, were as follows:

	2020				2019
	Fixed		Variable		Fixed		Variable
	Rate		Rate		Rate		Rate
Commercial loan	1.00-14.50	%	1.16-9.25	%	0.75-14.50	%	2.65-9.25	%
Real estate mortgage loan	2.63-3.75	%	3.00-5.75	%	3.13-4.00	%	3.75-4.25	%
Consumer loan open-ended revolving line	15.00	%	3.00-15.00	%	15.00	%	3.88-15.00	%