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FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)
 3 Months Ended
Mar. 31, 2020
FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK  
Schedule of financial instruments with off-balance-sheet risk

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. At March 31, 2020, and December 31, 2019, these financial instruments consisted of the following:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

March 31, 2020

 

December 31, 2019

($ in thousands)

    

Fixed Rate

    

Variable Rate

    

Fixed Rate

    

Variable Rate

Commitments to make loans

 

$

39,351

 

$

5,723

 

$

42,774

 

$

5,676

Unused lines of credit

 

 

120,335

 

 

180,732

 

 

137,966

 

 

208,728

Standby letters of credit

 

 

2,425

 

 

9,917

 

 

3,648

 

 

8,475