XML 39 R42.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND OFF-BALANCE-SHEET RISK (Tables)
12 Months Ended
Dec. 31, 2013
Commitments And Contingencies Disclosure [Abstract]  
Maximum Exposure to Credit Losses for Loan Commitments and Standby Letters of Credit Outstanding

Our maximum exposure to credit losses for loan commitments and standby letters of credit outstanding at year-end was as follows:

 

     2013      2012  

Commercial unused lines of credit

   $ 257,937,000       $ 222,237,000   

Unused lines of credit secured by 1 – 4 family residential properties

     23,429,000         24,250,000   

Credit card unused lines of credit

     9,013,000         8,512,000   

Other consumer unused lines of credit

     5,695,000         4,613,000   

Commitments to make loans

     58,799,000         64,565,000   

Standby letters of credit

     19,670,000         10,591,000   
  

 

 

    

 

 

 

Total commitments

   $ 374,543,000       $ 334,768,000   
  

 

 

    

 

 

 
Instruments Carried at Fair Value

The following instruments are considered financial guarantees under current accounting guidance. These instruments are carried at fair value.

 

     2013      2012  
     Contract      Carrying      Contract      Carrying  
     Amount      Value      Amount      Value  

Standby letters of credit

   $ 19,670,000       $ 148,000       $ 10,591,000       $ 218,000