12) Mortgage Servicing Rights: Assumptions used in determining MSR value (Tables)

9 Months Ended

Sep. 30, 2019

Tables/Schedules

Assumptions used in determining MSR value

	Prepayment Speeds	Average Life (Years)	Discount Rate
September 30, 2019	18.00	4.58	9.51
December 31, 2018	11.70	6.33	9.51