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Mortgage Servicing Rights Mortgage Servicing Rights (Tables) | 3 Months Ended
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Mar. 31, 2015
Mortgage Servicing Rights [Abstract] |
Mortgage servicing rights | The activity of the servicing asset for first quarter 2015 and 2014 is presented in the following table:
| Three months ended March 31
(Dollars in thousands) | 2015 |  | 2014
Balance at January 1 | $ | 16,688 |  |  | $ | 16 |
Servicing rights originated | 662 |  |  | — |
Amortization | (852 | ) |  | (164 | )
Servicing rights acquired in the 1st Financial merger | — |  |  | 148 |
Valuation allowance provision | $ | (62 | ) |  | $ | — |
Balance at March 31 | $ | 16,436 |  |  | $ | — |
Mortgage servicing rights valuation allowance | The following table presents the activity in the servicing asset valuation allowance for first quarter 2015 and 2014:
| Three months ended March 31
(Dollars in thousands) | 2015 |  | 2014
Balance at January 1 | $ | 850 |  |  | $ | — |
Valuation allowance provision | 62 |  |  | — |
Balance at March 31 | $ | 912 |  |  | $ | — |
Mortgage servicing rights economic assumptions | Valuation of mortgage servicing rights is performed using a pooling methodology. Similar loans are pooled together and evaluated on a discounted earnings basis to determine the present value of future earnings. Key economic assumptions used to value mortgage servicing rights as of March 31, 2015 and December 31, 2014 were as follows:
| March 31, 2015 |  | December 31, 2014
Discount rate - conventional fixed loans | 6.95 | % |  | 7.20 | %
Discount rate - all loans excluding conventional fixed loans | 8.95 | % |  | 9.20 | %
Weighted average constant prepayment rate | 16.07 | % |  | 14.25 | %
Weighted average cost to service loans | $ | 56.02 |  |  | $ | 56.02 |

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- Definition Servicing Asset Key Economic Assumptions [Table Text Block] + References No definition available. + Details
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- Definition Tabular disclosure of activity in the balance of servicing assets subsequently measured at amortized cost. Includes, but is not limited to, beginning and ending balances, additions, disposals, and amortization. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 50 -Section 50 -Paragraph 4 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746 + Details
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- Definition Tabular disclosure of the activity by class in any valuation allowance for impairment of recognized servicing assets - including beginning and ending balances, aggregate additions charged and recoveries credited to operations, and aggregate write-downs charged against allowance. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 50 -Section 50 -Paragraph 4 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746 + Details
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