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

12 Months Ended

Dec. 31, 2019

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, 2019 and 2018, were as follows:

	2019				2018
	Fixed		Variable		Fixed		Variable
(dollars in thousands)	Rate		Rate		Rate		Rate
Commercial loan lines of credit	$	39,104	$	1,451,704	$	63,625	$	1,337,437
Commercial letters of credit		0		0		0		3,245
Standby letters of credit		0		70,932		0		81,512
Real estate mortgage loans		4,448		1,488		2,811		2,881
Real estate construction mortgage loans		478		2,139		400		2,189
Home equity mortgage open-ended revolving lines		0		247,562		0		232,362
Consumer loan open-ended revolving lines		180		17,116		215		14,468
Total	$	44,210	$	1,790,941	$	67,051	$	1,674,094

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, 2019 and 2018, were as follows:

	2019				2018
	Fixed		Variable		Fixed		Variable
	Rate		Rate		Rate		Rate
Commercial loan	0.75-14.50	%	2.65-9.25	%	0.75-14.50	%	2.65-10.00	%
Real estate mortgage loan	3.13-4.00	%	3.75-4.25	%	3.75-6.13	%	3.75-11.00	%
Consumer loan open-ended revolving line	15.00	%	3.88-15.00	%	15.00	%	3.88-15.00	%