Mortgage Servicing Rights (Tables)

12 Months Ended

Dec. 31, 2013

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 (dollars in thousands):


	Years ended December 31,
	2013			2012			2011
Balance at beginning of period	$	4,552		$	4,603		$	4,605
Additions		1,360			1,965			1,105
Change in fair value		253			(2,016	)		(1,107	)

Balance at end of period	$	6,165		$	4,552		$	4,603

Contractually specified servicingfees, late fees and ancillary fees earned	$	1,774		$	1,666		$	1,495
Balance of loans serviced at:
Beginning of period	$	666,512		$	598,185		$	573,300
End of period	$	680,197		$	666,512		$	598,185
Weighted-average prepayment speed (CPR)		10.3	%		20.3	%		19.3	%
Weighted-average discount rate		10.0	%		10.0	%		9.0	%