MORTGAGE BANKING AND LOAN SERVICING (Tables)

12 Months Ended

Dec. 31, 2017

MORTGAGE BANKING AND LOAN SERVICING

Schedule of net revenues from mortgage banking activity

	Years Ended December 31
	2017		2016		2015
Gain from sale of mortgage loans and interest rate locks	$	7,344	$	7,264	$	5,528
Mortgage loan servicing revenue (expense):
Mortgage loan servicing revenue		4,274		4,290		3,940
Amortization of mortgage servicing rights		(1,352)		(1,510)		(1,313)
Mortgage servicing rights valuation adjustments		75		—		200
Net servicing revenue		2,997		2,780		2,827
Net revenue from mortgage banking activity	$	10,341	$	10,044	$	8,355

Schedule of fair value of mortgage servicing assets and valuation allowance

	2017		2016		2015
Mortgage servicing assets
Balances, January 1	$	7,410	$	6,120	$	5,708
Servicing assets capitalized		1,447		1,636		1,525
Servicing rights acquired		—		1,164		—
Amortization of servicing assets		(1,352)		(1,510)		(1,313)
Change in valuation allowance		75		—		200
Balance, December 31	$	7,580	$	7,410	$	6,120
Valuation allowance:
Balances, January 1	$	200	$	200	$	400
Additions expensed		—		175		25
Reductions credited to operations		(75)		(175)		(225)
Balance, December 31	$	125	$	200	$	200