Mortgage Servicing Rights (Tables)

12 Months Ended

Dec. 31, 2012

Mortgage Servicing Rights Tables

Schedule of Mortgage Servicing Rights Rollforward

	Originated			Valuation
	MSR			Allowance			Total
Balance at January 1, 2010	$	1,229		($	82	)	$	1,147
Additions from originated servicing		550			0			550
Amortization charged to earnings		(476	)		0			(476	)
Change in valuation allowance charged to earnings		0			(121	)		(121	)
Balance at December 31, 2010		1,303			(203	)		1,100
Additions from originated servicing		419			0			419
Amortization charged to earnings		(436	)		0			(436	)
Change in valuation allowance creditd to earnings		0			122			122
Balance at December 31, 2011		1,286			(81	)		1,205
Additions from originated servicing		774			0			774
Amortization charged to earnings		(547	)		0			(547	)
Change in valuation allowance charged to earnings		0			(199	)		(199	)
Balance at December 31, 2012	$	1,513		($	280	)	$	1,233

Schedule of Mortgage Banking Income

	Years Ending December 31,
	2012			2011			2010
Cash gain on sale of mortgage loans	$	1,113		$	642		$	861
Originated mortgage servicing rights		774			419			550
Increase in accrued mortgage rate lock commitments		31			3			51
Gain on sale of mortgage loans		1,918			1,064			1,462
Mortgage servicing fee income		649			645			578
Foreclosure servicing credit losses		(28	)		(38	)		0
FHLB credit enhancement fee income		2			16			29
Amortization of mortgage servicing rights		(547	)		(436	)		(476	)
Decrease (increase) in servicing right valuation allowance		(199	)		122			(121	)
Loan servicing fee income, net		(123	)		309			10
Mortgage banking income, net	$	1,795		$	1,373		$	1,472