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Mortgage Banking and Servicing Rights (Tables)

12 Months Ended

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.

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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.

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