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Mortgage Banking and Servicing Rights (Tables) | 12 Months Ended
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Dec. 31, 2012
Mortgage Banking and Servicing Rights [Abstract] |
Components of Mortgage Banking Income | The following table presents the components of mortgage banking income:
(in thousands) Year Ended December 31 |  | 2012 |  |  | 2011 |  |  | 2010 |
Net gain on sale of loans held for sale |  | $ | 2,562 |  |  | $ | 1,749 |  |  | $ | 1,642 |
Net loan servicing income (expense) |  |  |  |  |  |  |  |  |  |  |  |
Servicing fees |  |  | 1,083 |  |  |  | 1,072 |  |  |  | 1,110 |
Late fees |  |  | 83 |  |  |  | 77 |  |  |  | 74 |
Ancillary fees |  |  | 382 |  |  |  | 278 |  |  |  | 269 |
Fair value adjustments |  |  | (559 | ) |  |  | (1,405 | ) |  |  | (769 | )
Net loan servicing income |  |  | 989 |  |  |  | 22 |  |  |  | 684 |
Mortgage banking income |  | $ | 3,551 |  |  | $ | 1,771 |  |  | $ | 2,326 |
Activity for capitalized mortgage servicing rights using fair value method | Activity for capitalized mortgage servicing rights using the fair value method is as follows:
(in thousands) |  | 2012 |  |  | 2011 |  |  | 2010 |
Fair value of MSRs, beginning of period |  | $ | 2,282 |  |  | $ | 3,161 |  |  | $ | 3,406 |
New servicing assets created |  |  | 641 |  |  |  | 526 |  |  |  | 524 |
Change in fair value during the period due to: |  |  |  |  |  |  |  |  |  |  |  |
Time decay (1) |  |  | (116 | ) |  |  | (124 | ) |  |  | (161 | )
Payoffs (2) |  |  | (478 | ) |  |  | (439 | ) |  |  | (190 | )
Changes in valuation inputs or assumptions (3) |  |  | 35 |  |  |  | (842 | ) |  |  | (418 | )
Fair value of MSRs, end of period |  | $ | 2,364 |  |  | $ | 2,282 |  |  | $ | 3,161 |
(1) | Represents decrease in value due to regularly scheduled loan principal payments and partial loan paydowns.
(2) | Represents decrease in value due to loans that paid off during the period.
(3) | Represents change in value resulting from market-driven changes in interest rates.

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- Definition Tabular disclosure of components of mortgage banking income. + References No definition available. + Details
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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=7882072&loc=d3e122625-111746 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name FASB Staff Position (FSP) -Number FAS140-4/FIN46(R)-8 -Paragraph B9 -Subparagraph a -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 140 -Paragraph 17 -Subparagraph f -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. + Details
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