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10-K
SUBSIDIARIES OF FIDELITY SOUTHERN CORPORATION
CONSENT OF ERNST & YOUNG LLP
CEO CERTIFICATION SECTION 302
CFO CERTIFICATION SECTION 302
CEO CERTIFICATION SECTION 906
CFO CERTIFICATION SECTION 906
Certain Transfers of Financial Assets (Details 2) (Residential mortgage, USD $)
In Thousands, unless otherwise specified
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Assumptions and estimates in determining the impairment of capitalized MSRs
Servicing Asset at Fair Value, Amount
$ 63,977
$ 53,742
Composition of Loans Serviced for Others
100.00%
100.00%
Weighted average remaining term (years)
26 years
26 years
Prepayment speed
9.24%
7.33%
Decline in fair value due to a 10% adverse change
(2,149)
(1,449)
Decline in fair value due to a 20% adverse change
(4,149)
(2,830)
Decline in fair value due to a 10% adverse change
(2,231)
(2,012)
Decline in fair value due to a 20% adverse change
$ (4,298)
$ (3,880)
Weighted Average
Assumptions and estimates in determining the impairment of capitalized MSRs
Weighted average discount rate
9.73%
10.14%
Fixed-rate mortgage loans
Assumptions and estimates in determining the impairment of capitalized MSRs
Composition of Loans Serviced for Others
99.40%
99.60%
Adjustable-rate mortgage loans
Assumptions and estimates in determining the impairment of capitalized MSRs
Composition of Loans Serviced for Others
0.60%
0.40%