Sound Financial Bancorp, Inc. | 2013 | FY | 3

Financial instruments whose contract amount represents credit risk were as follow (in thousands):
 
   
At December 31,
 
   
2013
  
2012
 
Commitments to make loans
 $1,915  $5,075 
Undisbursed portion of loans closed
  25,978   13,693 
Unused lines of credit
  29,978   30,224 
Irrevocable letters of credit
  513   578 
Total loan commitments
 $58,384  $49,570 

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