Annual report pursuant to Section 13 and 15(d)

COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)

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COMMITMENTS AND OFF BALANCE-SHEET RISK (Tables)
12 Months Ended
Dec. 31, 2019
COMMITMENTS AND OFF BALANCE-SHEET RISK [Abstract]  
Contractual Amounts of Financial Instruments with Off-Balance-Sheet Risk
A summary of the contractual amounts of financial instruments with off-balance-sheet risk was as follows at year-end (dollars in thousands):

   
2019
   
2018
 
Commitments to extend credit
 
$
65,648
   
$
77,391
 
Letters of credit
   
15,303
     
15,802
 
Unused lines of credit
   
502,200
     
486,203