COMMITMENTS AND CONTINGENCIES (Tables)

3 Months Ended

Mar. 31, 2016

Commitments and Contingencies Disclosure [Abstract]

Contractual amounts of financial instruments with off-balance sheet risk

The following table lists the contractual amounts of financial instruments with off-balance sheet risk at March 31, 2016 and December 31, 2015 (in thousands):

	March 31, 2016				December 31, 2015
	Fixed Rate		Variable Rate		Fixed Rate		Variable Rate
Commitments to make loans	$	22,740	$	33,557	$	17,167	$	25,251
Unused lines of credit	$	866	$	191,990	$	1,265	$	177,004
Standby letters of credit	$	—	$	14,618	$	—	$	14,646

Schedule of future rent payments

Minimum lease commitments, before considering renewal options, are as follows (in thousands):

Years	Annual Rent		Total Rent
2016 - 2021	$	133	$	665
2021 - 2026	145		725
2026 - 2031	158		790
2031 - 2036	172		860
Total			$	3,040