Three Months Ended
June 30,

Six Months Ended
June 30,

($ in thousands)

2021

2020

2021

2020

Balance at beginning of period

$

10,490

$

8,974

$

7,759

$

11,017

Mortgage servicing rights capitalized during the period

1,235

1,856

2,447

2,622

Mortgage servicing rights amortization during the period

(948

)

(1,574

)

(2,135

)

(2,171

)

Net change in valuation allowance

(99

)

(1,088

)

2,607

(3,300

)

Balance at end of period

$

10,678

$

8,168

$

10,678

$

8,168

Valuation allowance:

Balance at beginning of period

$

2,186

$

3,518

$

4,892

$

1,306

Increase (decrease)

99

1,088

(2,607

)

3,300

Balance at end of period

$

2,285

$

4,606

$

2,285

$

4,606