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

12 Months Ended

Dec. 31, 2019

Tables/Schedules

Assumptions used in determining MSR value

	PrepaymentSpeeds	AverageLife(Years)	DiscountRate
December 31, 2019	15.30	5.27	9.51
December 31, 2018	11.70	6.33	9.51