MORTGAGE BANKING AND LOAN SERVICING (Tables)

12 Months Ended

Dec. 31, 2015

MORTGAGE BANKING AND LOAN SERVICING

Schedule of net revenues from mortgage banking activity

	Years Ended December 31
	2015		2014		2013
Gain from sale of mortgage loans and interest rate locks	$	5,528	$	4,730	$	3,956
Mortgage loan servicing revenue (expense):
Mortgage loan servicing revenue		3,940		3,053		3,565
Amortization of mortgage servicing rights		(1,313)		(1,004)		(1,472)
Mortgage servicing rights valuation adjustments		200		(25)		750
Net servicing revenue		2,827		2,024		2,843
Net revenue from mortgage banking activity	$	8,355	$	6,754	$	6,799

Schedule of fair value of mortgage servicing assets and valuation allowance

	2015		2014		2013
Mortgage servicing assets
Balances, January 1	$	5,708	$	5,155	$	4,350
Servicing assets capitalized		1,525		988		1,527
Servicing rights acquired		—		594		—
Amortization of servicing assets		(1,313)		(1,004)		(1,472)
Change in valuation allowance		200		(25)		750
Balance, December 31	$	6,120	$	5,708	$	5,155
Valuation allowance:
Balances, January 1	$	400	$	375	$	1,125
Additions expensed		25		75		—
Reductions credited to operations		(225)		(50)		(750)
Balance, December 31	$	200	$	400	$	375