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Mortgage Banking and Servicing Rights (Details) - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2021

Dec. 31, 2020

Dec. 31, 2019

Mortgage Banking and Servicing Rights [Abstract]

Net gain on sale of mortgage loans held for sale

$ 6,820

$ 7,226

$ 1,746

Net loan servicing income (expense) [Abstract]

Servicing fees

2,058

1,515

1,297

Late fees

67

52

72

Ancillary fees

848

1,310

190

Fair value adjustments

428

(1,064)

(975)

Net loan servicing income

3,401

1,813

584

Mortgage banking income

10,221

9,039

2,330

Loan service for benefit of others

807,000

650,000

486,000

Custodial escrow balance

2,600

2,000

1,400

Activity for capitalized mortgage servicing rights using fair value method [Roll Forward]

Fair value of MSRs, beginning of year

4,068

3,263

3,607

New servicing assets created

2,278

1,869

631

Change in fair value during the year due to:

Time decay

^[1]

(259)

(135)

(167)

Payoffs

^[2]

(587)

(766)

(293)

Changes in valuation inputs or assumptions

^[3]

1,274

(163)

(515)

Fair value of MSRs, end of year

$ 6,774

$ 4,068

$ 3,263

Discount rate of servicing assets and servicing liabilities

10.10%

10.10%

10.10%

Weighted average default rates

1.39%

1.67%

2.69%

Prepayment speeds generated using Andrew Davidson Prepayment Model

10.00%

15.70%

11.70%

[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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Amount maintained in connection with a loan servicing to assure future payments of the borrower's real estate taxes and insurance obligations with respect to a mortgaged property.

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Outstanding balance of underlying mortgage loans serviced for others

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The net income (loss) from loan servicing activities that is included in earnings for the reporting period.

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Decrease in servicing assets subsequently measured at fair value resulting from decrease in value due to regularly scheduled loan principal payments and partial loan paydowns.

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All amounts that are due to the servicer of a financial asset, excluding contractually specified servicing fees and late fees.

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-Publisher FASB
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-SubTopic 50
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All amounts that, per contract, are due to the servicer in exchange for servicing the financial asset and would no longer be received by a servicer if the beneficial owners of the serviced assets (or their trustees or agents) were to exercise their actual or potential authority under the contract to shift the servicing to another servicer. Depending on the servicing contract, those fees may include some or all of the difference between the interest rate collected on the asset being serviced and the rate to be paid to the beneficial owners of the asset.

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Income from mortgage banking activities (fees and commissions) and servicing real estate mortgages, credit cards, and other financial assets held by others net of any related impairment of capitalized service costs. Also includes any premiums received in lieu of regular servicing fees on such loans only as earned over the life of the loans.

+ References

Reference 1: http://www.xbrl.org/2003/role/disclosureRef
-Publisher SEC
-Name Regulation S-K (SK)
-Number 229
-Section 1402
-Subsection Instruction 3

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The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans made to finance real estate acquisitions. This element refers to the gain (loss) and not to the cash proceeds of the sale. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.

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All amounts that are due to the servicer of a financial asset as a result of the debt holder not meeting the monthly payment terms.

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The adjustment to the carrying value of the rights retained or purchased to service mortgages. These adjustments are made when the estimate of the fair value is changed. This element is a noncash adjustment to net income when calculating net cash generated by operating activities using the indirect method.

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The value of new servicing assets, subsequently measured at fair value, acquired or created during the current period through purchases or from transfers of financial assets.

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Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.

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A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.

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Amount of increase (decrease) in fair value from changes in the inputs, assumptions, or model used to calculate the fair value of the contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.

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Decrease in servicing assets subsequently measured at fair value resulting from conveyance of servicing rights to unrelated parties.

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Discount rate used to estimate the fair value of servicing assets and servicing liabilities.

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Percentage of contractually collectible principal associated with a financial asset expected not to be collected due to default by the borrower.

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Estimated rate of prepayments of principal on servicing assets and servicing liabilities.

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