FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)

6 Months Ended

Jun. 30, 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 June 30, 2020, and December 31, 2019, these financial instruments consisted of the following:

	June 30, 2020				December 31, 2019
($ in thousands)	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Commitments to make loans	$	46,062	$	1,857	$	42,774	$	5,676
Unused lines of credit		168,444		199,259		137,966		208,728
Standby letters of credit		5,503		9,945		3,648		8,475