XML 62 R52.htm IDEA: XBRL DOCUMENT v3.7.0.1
Mortgage Banking Activities, Mortgage Servicing Rights (Details)
3 Months Ended
Mar. 31, 2017
USD ($)
Dec. 31, 2016
USD ($)
Mar. 31, 2016
USD ($)
Summary of Mortgage Servicing Rights [Abstract]      
Number of residential mortgage loans serviced for others 138,778 139,340 134,040
Outstanding principal balance of residential mortgage loans serviced for others $ 22,015,021,000 $ 21,997,568,000 $ 20,294,662,000
Weighted average interest rate 3.96% 3.97% 4.10%
Remaining term (in months) 300 months 301 months 300 months
Economic hedge threshold for interest rate sensitivity for mortgage servicing rights and securities held (in basis points) 50    
Dollar decrease in fair value of mortgage servicing rights due to a 50 basis point decrease in mortgage interest rates $ 30,000,000    
Dollar increase in fair value of mortgage servicing rights Due To 50 Basis Point Increase In Mortgage Interest Rates 25,000,000    
Servicing Asset at Fair Value, Amount [Roll Forward]      
Beginning balance 247,073,000   $ 218,605,000
Additions, net 8,436,000   13,582,000
Change in fair value due to scheduled payments and full-balance payoffs (7,962,000)   (8,144,000)
Change in fair value due to market assumption changes 1,856,000   (27,988,000)
Ending balance $ 249,403,000 $ 247,073,000 $ 196,055,000
Servicing Assets at Fair Value, Assumptions Used to Estimate Fair Value [Abstract]      
Discount rate - risk-free rate plus a market premium (in hundredths) 10.08% 10.08% 10.11%
Prepayment rate - based upon loan interest rate, original term and loan type, minimum 8.66% 8.98% 8.88%
Prepayment rate - based upon loan interest rate, original term and loan type, maximum 18.17% 16.91% 35.21%
Loan servicing costs - annually per loan based upon loan type, performing, minimum (in dollars per loan) $ 63 $ 63 $ 63
Loan servicing costs - annually per loan based upon loan type, performing, maximum (in dollars per loan) 120 120 120
Loan servicing costs - annually per loan based upon loan type, delinquent, minimum (in dollars per loan) 150 150 150
Loan servicing costs - annually per loan based upon loan type, delinquent, maximum (in dollars per loan) 500 500 500
Loan servicing costs - annually per loan based upon loan type, foreclosure, minimum (in dollars per loan) 650 650 650
Loan servicing costs - annually per loan based upon loan type, foreclosure, maximum (in dollars per loan) $ 4,250 $ 4,250 $ 4,250
Escrow earnings rate - indexed to rates paid on deposit accounts with comparable average life (in hundredths) 2.06% 1.98% 1.19%
Primary secondary mortgage rate spread (in basis points) 105 105 120
Purchased [Member]      
Servicing Asset at Fair Value, Amount [Roll Forward]      
Beginning balance $ 8,909,000   $ 9,911,000
Additions, net 0   0
Change in fair value due to scheduled payments and full-balance payoffs (509,000)   (626,000)
Change in fair value due to market assumption changes (84,000)   (3,336,000)
Ending balance 8,316,000 $ 8,909,000 5,949,000
Originated [Member]      
Servicing Asset at Fair Value, Amount [Roll Forward]      
Beginning balance 238,164,000   208,694,000
Additions, net 8,436,000   13,582,000
Change in fair value due to scheduled payments and full-balance payoffs (7,453,000)   (7,518,000)
Change in fair value due to market assumption changes 1,940,000   (24,652,000)
Ending balance $ 241,087,000 $ 238,164,000 $ 190,106,000