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LOAN COMMITMENTS AND OTHER RELATED ACTIVITIES
 12 Months Ended
Dec. 31, 2020
Commitments and Contingencies Disclosure [Abstract]  
LOAN COMMITMENTS AND OTHER RELATED ACTIVITIES LOAN COMMITMENTS AND OTHER RELATED ACTIVITIES
Some financial instruments, such as unfunded loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Risk of credit loss exists up to the face amount of these instruments. The same credit policies are used to make such commitments as are used for originating loans, including obtaining collateral at exercise of the commitment.
The following table presents the contractual amount of financial instruments with off-balance-sheet risk as of the periods indicated:
December 31,
20202019
($ in thousands)Fixed RateVariable RateFixed RateVariable Rate
Commitments to extend credit (1)
$17,555 $38,141 $473 $129,495 
Unused lines of credit1,783 1,348,138 703 1,049,632 
Letters of credit234 8,274 134 5,316 

Other Commitments
At December 31, 2020, we had unfunded commitments of $18.3 million, $5.6 million, and $2.5 million for qualified affordable housing partnerships, SBIC investments, and other investments.