XML 88 R58.htm IDEA: XBRL DOCUMENT

MORTGAGE SERVICING RIGHTS (Details 2) (USD $)	12 Months Ended
MORTGAGE SERVICING RIGHTS (Details 2) (USD $)	Dec. 31, 2012	Dec. 31, 2011
Changes in mortgage servicing rights
Balance, ending	$ 811,783	$ 651,409
Mortgage servicing rights
Changes in mortgage servicing rights
Balance, beginning	651,409	601,325
Mortgage servicing rights capitalized	446,539	228,211
Mortgage servicing rights amortized	(257,579)	(138,900)
Provision for loss in fair value	(28,586)	(39,227)
Balance, ending	811,783	651,409
Changes in valuation allowances:
Balance, beginning	205,038	165,811
Additions	28,586	39,227
Balance, ending	$ 233,624	$ 205,038

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.

+ References+ Details

- Definition

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

+ References+ Details

- Definition

Reflects the estimated amount of impairment as of the balance sheet date of recognized servicing assets that are being amortized in proportion to and over the period of estimated net servicing income or loss.

+ References+ Details