MORTGAGE BANKING ACTIVITIES (Details 3) (USD $) In Thousands, unless otherwise specified	3 Months Ended	6 Months Ended
Jun. 30, 2013	Jun. 30, 2012	Jun. 30, 2013	Jun. 30, 2012
MORTGAGE BANKING ACTIVITIES
Balance, January 1			$ 4,777	$ 6,087
Additions			1,574	904
Amortized to expense	(650)	(712)	(1,358)	(1,671)
Change in valuation allowance			312	31
Balance, June 30	$ 5,305	$ 5,351	$ 5,305	$ 5,351

The periodic amortization (in proportion to and over the period of estimated net servicing income or loss) of capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.

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The value of new servicing assets, subsequently measured at amortized value, acquired or created during the current period through purchases or from transfers of financial assets.

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- Definition

The net increase (decrease) in the valuation allowance for servicing assets subsequently measured using the amortization method.

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