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COMMITMENTS AND CONTINGENCIES (Tables) | 6 Months Ended
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Jun. 30, 2015
COMMITMENTS AND CONTINGENCIES [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 June 30, 2015 and December 31, 2014 (in thousands):
| June 30, 2015 |  | December 31, 2014 |
| Fixed Rate |  | Variable Rate |  | Fixed Rate |  | Variable Rate |
Commitments to make loans | $ | 30,088 |  | $ | 30,092 |  | $ | 23,756 |  | $ | 11,082 |
Unused lines of credit | $ | 1,657 |  | $ | 187,940 |  | $ | 812 |  | $ | 185,235 |
Standby letters of credit | $ | - |  | $ | 14,121 |  | $ | - |  | $ | 16,747 |

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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://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13467-108611 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 825 -SubTopic 10 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611 + Details
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