Commitments, Contingencies, and Concentrations of Credit Risk (Tables)

12 Months Ended

Dec. 31, 2019

Commitments and Contingencies Disclosure [Abstract]

Schedule of outstanding loan commitments

The following table presents the Company’s outstanding loan commitments at December 31, 2019 and December 31, 2018.



($ in thousands)	December 31, 2019				December 31, 2018
Type of Commitment	Fixed Rate		Variable Rate	Total	Fixed Rate	Variable Rate	Total
Loan commitments	$	263,775	123,169	386,944	206,756	175,254	382,010
Unused lines of credit	169,278		766,450	935,728	152,868	753,916	906,784
Total	$	433,053	889,619	1,322,672	359,624	929,170	1,288,794

Schedule of maximum credit risk for securities

The following are the fair values at December 31, 2019 of securities to any one issuer/guarantor that exceed $5.0 million, with such amounts representing the maximum amount of credit risk that the Company would incur if the issuer did not repay the obligation.



($ in thousands) Issuer	Amortized Cost		Fair Value
Fannie Mae – mortgage-backed securities	$	438,068	443,717
Ginnie Mae – mortgage-backed securities	172,220		174,486
Freddie Mac – mortgage-backed securities	162,124		163,366
Small Business Administration securities	26,400		26,100
Federal Reserve Bank - common stock	17,591		17,591
Federal Home Loan Bank of Atlanta - common stock	15,789		15,789
Federal Home Loan Bank System - bonds	15,000		15,004
Bank of America corporate bonds	7,000		7,219
Citigroup, Inc. corporate bonds	6,021		6,209
Goldman Sachs Group Inc. corporate bond	5,055		5,199
JP Morgan Chase corporate bond	5,013		5,153
Federal Farm Credit Bank – bond	5,000		5,005