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Mortgage Servicing Rights | 12 Months Ended
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Dec. 31, 2012
Mortgage Servicing Rights [Abstract] |
Mortgage Servicing Rights |
Note 9: | Mortgage Servicing Rights
Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The unpaid principal balance of mortgage loans serviced for others approximated $528.1 million and $402.1 million at December 31, 2012 and 2011, respectively. Contractually specified servicing fees, late fees and ancillary fees of approximately $1.1 million and $0.90 million were included in loan servicing fees in the income statement at December 31, 2012 and 2011, respectively. The following table summarizes mortgage servicing rights capitalized and related amortization, along with activity in the related valuation allowance:
($ in thousands) |  | 2012 |  |  | 2011 |
Carrying amount, beginning of year |  | $ | 2,820 |  |  | $ | 3,190 |
Mortgage servicing rights capitalized during the year |  |  | 1,981 |  |  |  | 1,493 |
Mortgage servicing rights amortization during the year |  |  | (1,335 | ) |  |  | (744 | )
Net change in valuation allowance |  |  | 309 |  |  |  | (1,119 | )
Carrying amount, end of year |  | $ | 3,775 |  |  | $ | 2,820 |
Valuation allowance: |  |  |  |  |  |  |  |
Beginning of year |  | $ | 1,119 |  |  | $ | - |
Additions |  |  | - |  |  |  | 1,119 |
Reduction |  |  | (309 | ) |  |  | - |
End of year |  | $ | 810 |  |  | $ | 1,119 |
Fair Value, beginning of period |  | $ | 2,820 |  |  | $ | 3,264 |
Fair Value, end of period |  | $ | 4,329 |  |  | $ | 2,820 |
During 2012, recapture of the valuation allowance of $0.3 million was taken to adjust the carrying value of the impaired mortgage servicing rights to the fair value for indicated tranches. The fair value is determined by an independent analysis conducted by a third party on a quarterly basis.

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