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Loan Servicing | 12 Months Ended
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Dec. 31, 2013
Loans [Abstract] |
LOAN SERVICING | NOTE 7 – LOAN SERVICING Mortgage loans serviced for others are not reported as assets. The principal balances of these loans at year-end were as follows:
| 2013 |  | 2012
Mortgage loans serviced for Freddie Mac | $ | 8,243 |  | $ | 10,433
Custodial escrow balances maintained in connection with serviced loans were $166 and $199 at year-end 2013 and 2012. Activity for mortgage servicing rights and the related valuation allowance follows:
| 2013 |  | 2012 |  | 2011
Servicing rights, net of valuation allowance: |  |  |  |  |  |  |  |
Beginning of year | $ | 29 |  | $ | 37 |  |  | 57
Additions |  | - |  |  | - |  |  | -
Amortized to expense |  | (9) |  |  | (9) |  |  | (23)
Change in valuation allowance |  | - |  |  | 1 |  |  | 3
End of year |  | 20 |  |  | 29 |  |  | 37
Valuation allowance: |  |  |  |  |  |  |  |
Beginning of year |  | 1 |  |  | 2 |  |  | 5
Additions expensed |  | - |  |  | - |  |  | -
Reductions credited to operations |  | - |  |  | (1) |  |  | (3)
End of year | $ | 1 |  | $ | 1 |  | $ | 2

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