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COMMITMENTS, OFF-BALANCE SHEET RISKS AND CONTINGENCIES
 12 Months Ended
Dec. 31, 2021
Commitments and Contingencies Disclosure [Abstract]  
COMMITMENTS, OFF-BALANCE SHEET RISKS AND CONTINGENCIES COMMITMENTS, OFF-BALANCE SHEET RISKS AND CONTINGENCIES
During the normal course of business, the Company becomes a party to financial instruments with off-balance sheet risk in order to meet the financing needs of its customers. These financial instruments include commitments to make loans and open-ended revolving lines of credit. Amounts as of the years ended December 31, 2021 and 2020, were as follows:
20212020
(dollars in thousands)Fixed
Rate		Variable RateFixed
Rate		Variable Rate
Commercial loan lines of credit$79,792 $1,850,719 $52,568 $1,646,539 
Standby letters of credit0 55,336 0 53,796 
Real estate mortgage loans7,906 14,216 11,984 3,921 
Real estate construction mortgage loans2,402 3,213 767 3,051 
Home equity mortgage open-ended revolving lines0 306,124 0 267,530 
Consumer loan open-ended revolving lines0 23,287 0 19,918 
Total$90,100 $2,252,895 $65,319 $1,994,755 

The index on variable rate commercial loan commitments is principally the national prime rate. Interest rate ranges on commitments and open-ended revolving lines of credit for years ended December 31, 2021 and 2020, were as follows:
20212020
Fixed
Rate		Variable
Rate		Fixed
Rate		Variable
Rate
Commercial loan
1.99-14.50%
1.11-10.00%
1.00-14.50%
1.16-9.25%
Real estate mortgage loan
2.50-3.75%
3.00-8.25%
2.63-3.75%
3.00-5.75%
Consumer loan open-ended revolving line
15.00%
3.25-15.00%
15.00%
3.00-15.00%
Commitments, excluding open-ended revolving lines, generally have fixed expiration dates of one year or less. Open-ended revolving lines are monitored for proper performance and compliance on a monthly basis. Since many commitments expire without being drawn upon, the total commitment amount does not necessarily represent future cash requirements. The Company follows the same credit policy (including requiring collateral, if deemed appropriate) to make such commitments as it follows for those loans that are recorded in its financial statements.
The Company’s exposure to credit losses in the event of nonperformance is represented by the contractual amount of the commitments. Management does not expect any significant losses as a result of these commitments.