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COMMITMENTS AND CONTINGENCIES | 12 Months Ended
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Dec. 31, 2011
COMMITMENTS AND CONTINGENCIES |
(16) | COMMITMENTS AND CONTINGENCIES
In the normal course of business, there are outstanding various commitments and contingent liabilities, such as commitments to extend credit and legal claims, which are not reflected in the financial statements. Commitments under outstanding standby letters of credit totaled $1.7 million at December 31, 2011. The following is a summary of the commitments to extend credit at December 31, 2011 and 2010:
(In thousands) |  | 2011 |  |  | 2010 |
Loan commitments: |  |  |  |  |  |  |  |
Fixed rate |  | $ | 1,113 |  |  | $ | 1,138 |
Adjustable rate |  |  | 1,366 |  |  |  | 6,157 |
Unused lines of credit on credit cards |  |  | 2,942 |  |  |  | 2,861 |
Undisbursed commercial and personal lines of credit |  |  | 15,748 |  |  |  | 15,335 |
Undisbursed portion of construction loans in process |  |  | 4,768 |  |  |  | 3,119 |
Undisbursed portion of home equity lines of credit |  |  | 16,685 |  |  |  | 15,843 |
Total commitments to extend credit |  | $ | 42,622 |  |  | $ | 44,453 |

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