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Mortgage Servicing Rights (Tables)

3 Months Ended

Mar. 31, 2017

Changes in Residential and Participation Mortgage Servicing Rights

The following tables set forth the changes in the balances of residential MSRs and participation MSRs for the periods indicated:

		For the Three Months Ended
		March 31, 2017								March 31, 2016
(in thousands)		Residential				Participation				Residential				Participation
Carrying value, beginning of year		$	228,099			$	5,862			$	243,389			$	4,345
Additions			7,574				406				7,948				1,250
Increase (decrease) in fair value:
Due to changes in interest rates			2,013				—				(24,286	)			—
Due to model assumption changes (1)			—				—				(8,838	)			—
Due to loan payoffs			(6,963	)			—				(8,750	)			—
Due to passage of time and other changes			(1,923	)			—				(1,376	)			—
Amortization			—				(762	)			—				(414	)
Carrying value, end of period		$	228,800			$	5,506			$	208,087			$	5,181

(1) Represents changes in fair value driven by changes to the inputs to the valuation model related to assumed prepayment speeds.

Key Assumptions Used in Calculation of Fair Value of Residential Mortgage Servicing Rights

The following table presents the key assumptions used in calculating the fair value of the Company’s residential MSRs at the dates indicated:

		March 31, 2017				December 31, 2016
Expected weighted average life			82 months				82 months
Constant prepayment speed			8.90	%			8.70	%
Discount rate			10.05				10.05
Primary mortgage rate to refinance			4.13				4.11
Cost to service (per loan per year):
Current			$64				$64
30-59 days or less delinquent			214				214
60-89 days delinquent			364				364
90-119 days delinquent			464				464
120 days or more delinquent			864				8

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- Definition

Schedule of Securities Valuation Assumptions.

+ References

No definition available.

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- 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

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 3
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=68078379&loc=d3e122625-111746

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