XML 78 R35.htm IDEA: XBRL DOCUMENT

Mortgage Servicing Rights and Mortgage Servicing Activity (Tables)

12 Months Ended

Dec. 31, 2011

Changes in the carrying amount of mortgage servicing rights

Changes in the carrying amount of mortgage servicing rights are as follows:



	Years Ended December 31,
	2011			2010			2009
Balance at beginning of period	$	21,317		$	20,784		$	18,778
Addition of mortgage servicing rights	4,442			4,966			4,862
Amortization	(4,580		)	(4,433		)	(3,641		)
Changes in allowance for impairment	(3,539		)	—			785
Balance at end of period	$	17,640		21,317			20,784
Fair value at end of period	$	17,749		21,579			22,241

Changes in Key economics assumptions



Prepayment speed assumption (annual CPR)	15.90		%
Decrease in fair value from 10% adverse change	$	908
Decrease in fair value from 25% adverse change	2,152
Discount rate assumption	9.70		%
Decrease in fair value from 100 basis point adverse change	$	500
Decrease in fair value from 200 basis point adverse change	969
Expected weighted-average life (in months)	74.1

Estimated amortization expense for mortgage servicing rights



The following table shows the estimated future amortization for mortgage servicing rights as of December 31, 2011:
Years Ended December 31,
2012	$	3,304
2013	2,844
2014	2,306
2015	1,861
2016	1,499
more than 5 years	5,826
	$	17,640

- Definition

Tabular disclosure of all information related to the key inputs and assumptions (including, at a minimum, but not limited to, and if applicable, quantitative information about discount rates, expected prepayments including the expected weighted-average life of prepayable financial assets, and anticipated credit losses) used in measuring the fair value of assets or liabilities that relate to the transferor's continuing involvement with transferred financial assets, as of the balance sheet date.

+ References+ Details

- Definition

Tabular disclosure of the activity in the balance of servicing assets subsequently measured at amortized value (including a description of where changes in carrying value are reported in the statement of income for each period for which results of operations are presented), including but not limited to, the following: beginning and ending balances, additions (through purchases of servicing assets and servicing assets that result from transfers of financial assets), disposals, amortization, application of valuation allowances, other-than-temporary impairments, and other changes that affect the balance along with a description of those changes.

+ References+ Details