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COMMITMENTS, CONTINGENT LIABILITIES, RISKS AND UNCERTAINTIES (Tables) | 12 Months Ended
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Dec. 31, 2020
COMMITMENTS, CONTINGENT LIABILITIES, RISKS AND UNCERTAINTIES [Abstract] |
Financial Instruments whose Contract Amounts Represent Credit Risk | The Company’s exposure to credit loss from nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Financial instruments, whose contract amounts represent credit risk at December 31, 2020 and 2019, are as follows (in thousands):
|  | 2020 |  |  | 2019 |
Commitments to extend credit |  | $ | 274,327 |  |  | $ | 211,530 |
Standby letters of credit |  |  | 21,978 |  |  |  | 17,857 |
|  | $ | 296,305 |  |  | $ | 229,387 |

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- Definition Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=121572278&loc=d3e13467-108611 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=121572278&loc=d3e13433-108611 + Details
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