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Mortgage Servicing Rights (Tables)

9 Months Ended

Sep. 30, 2012

Mortgage Servicing Rights [Abstract]

The following tables summarize the activity in, and the main assumptions we used to determine the fair value of mortgage servicing rights for the periods indicated (in thousands):


	Three months ended September 30,						Nine months ended September 30,
	2012			2011			2012			2011
Mortgage servicing rights:
Balance at beginning of period	$	4,757		$	4,818		$	4,603		$	4,605
Additions		409			220			1,395			655
Change in fair value		(681	)		(800	)		(1,513	)		(1,022	)

Balance at end of period	$	4,485		$	4,238		$	4,485		$	4,238


Servicing, late and ancillary fees received	$	389		$	375		$	1,140		$	1,106
Balance of loans serviced at:
Beginning of period	$	628,674		$	584,113		$	598,185		$	573,300
End of period	$	642,110		$	582,011		$	642,110		$	582,011
Weighted-average prepayment speed (CPR)								20.9	%		21.0	%
Discount rate								10.0	%		9.0	%

- Definition

Tabular disclosure of the activity in the balance of servicing assets (including a description of where changes in fair value are reported in the statement of income for each period for which results of operations are presented), including but not limited to, the following: beginning and ending balances, additions (for instance, through purchases of servicing assets), disposals, changes in fair value during the period resulting from changes in inputs or assumptions used in the valuation model, other changes in fair value along with a description of those changes, and other changes that affect the balance along with a description of those changes.

+ References+ Details