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COMMITMENTS AND CONTINGENCIES | 12 Months Ended
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Dec. 31, 2013
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 consolidated financial statements. Commitments under outstanding standby letters of credit totaled $1.2 million and $781,000 at December 31, 2013 and 2012, respectively. The following is a summary of the commitments to extend credit at December 31, 2013 and 2012:
(In thousands) |  | 2013 |  |  | 2012 |
Loan commitments: |  |  |  |  |  |  |  |
Fixed rate |  | $ | 865 |  |  | $ | 1,554 |
Adjustable rate |  |  | 5,453 |  |  |  | 11,640 |
Unused lines of credit on credit cards |  |  | 3,821 |  |  |  | 2,981 |
Undisbursed commercial and personal lines of credit |  |  | 19,484 |  |  |  | 17,413 |
Undisbursed portion of construction loans in process |  |  | 7,142 |  |  |  | 4,306 |
Undisbursed portion of home equity lines of credit |  |  | 20,980 |  |  |  | 18,086 |
Total commitments to extend credit |  | $ | 57,745 |  |  | $ | 55,980 |

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