MORTGAGE BANKING AND LOAN SERVICING (Tables)

12 Months Ended

Dec. 31, 2014

MORTGAGE BANKING AND LOAN SERVICING

Schedule of net revenues from mortgage banking activity

	Years Ended December 31
	2014			2013			2012
Gain from sale of mortgage loans and interest rate locks	$	4,730		$	3,956		$	9,126
Mortgage loan servicing revenue (expense):
Mortgage loan servicing revenue		3,053			3,565			3,441
Amortization of mortgage servicing rights		(1,004	)		(1,472	)		(1,964	)
Mortgage servicing rights valuation adjustments		(25	)		750			(676	)
Net servicing revenue		2,024			2,843			801
Net revenue from mortgage banking activity	$	6,754		$	6,799		$	9,927

Schedule of fair value of mortgage servicing assets and valuation allowance

	2014			2013			2012
Mortgage servicing assets
Balances, January 1	$	5,155		$	4,350		$	5,412
Servicing assets capitalized		988			1,527			1,578
Servicing rights acquired		594			—			—
Amortization of servicing assets		(1,004	)		(1,472	)		(1,964	)
Change in valuation allowance		(25	)		750			(676	)
Balance, December 31	$	5,708		$	5,155		$	4,350
Valuation allowance:
Balances, January 1	$	375		$	1,125		$	449
Additions expensed		75			—			676
Reductions credited to operations		(50	)		(750	)		—
Balance, December 31	$	400		$	375		$	1,125