Mortgage Servicing Rights (Tables)

12 Months Ended

Dec. 31, 2012

	For the Year Ended December 31,
(In Thousands)	2012			2011			2010
Carrying amount before valuation allowance at beginning of year	$	15,401		$	16,321		$	16,670
Additions – servicing obligations that result from transfers of financial assets	3,651			2,330			3,101
Amortization	(3,909		)	(3,250		)	(3,450		)
Carrying amount before valuation allowance at end of year	15,143			15,401			16,321
Valuation allowance at beginning of year	(7,265		)	(7,117		)	(7,820		)
(Provision for) recovery of valuation allowance	(931		)	(148		)	703
Valuation allowance at end of year	(8,196		)	(7,265		)	(7,117		)
Net carrying amount at end of year	$	6,947		$	8,136		$	9,204

Mortgage Banking Income, Net

	For the Year Ended December 31,
(In Thousands)	2012		2011		2010
Loan servicing fees	$ 4,070		$ 4,095		$ 4,040
Net gain on sales of loans	7,590		3,716		4,929
Amortization of MSR	(3,909	)	(3,250	)	(3,450	)
(Provision for) recovery of valuation allowance on MSR	(931	)	(148	)	703
Total mortgage banking income, net	$ 6,820		$ 4,413		$ 6,222

- 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.

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