MORTGAGE BANKING AND LOAN SERVICING (Tables)

12 Months Ended

Dec. 31, 2013

MORTGAGE BANKING AND LOAN SERVICING

Schedule of net revenues from mortgage banking activity

	Years Ended December 31
	2013			2012			2011
Gain from sale of mortgage loans and interest rate locks	$	3,956		$	9,126		$	3,534
Mortgage loan servicing revenue (expense):
Mortgage loan servicing revenue		3,565			3,441			3,360
Amortization of mortgage servicing rights		(1,472	)		(1,964	)		(1,388	)
Mortgage servicing rights valuation adjustments		750			(676	)		45
Net servicing revenue		2,843			801			2,017
Net revenue from mortgage banking activity	$	6,799		$	9,927		$	5,551

Schedule of fair value of mortgage servicing assets and valuation allowance

	2013			2012			2011
Mortgage servicing assets
Balances, January 1	$	4,350		$	5,412		$	5,498
Servicing assets capitalized		1,527			1,578			1,257
Amortization of servicing assets		(1,472	)		(1,964	)		(1,388	)
Change in valuation allowance		750			(676	)		45
Balance, December 31	$	5,155		$	4,350		$	5,412
Valuation allowance:
Balances, January 1	$	1,125		$	449		$	494
Additions expensed		—			676			300
Reductions credited to operations		(750	)		—			(345	)
Balance, December 31	$	375		$	1,125		$	449