Guaranty Bancorp 10-K 17 Feb 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($) $ in Millions	12 Months Ended
	Dec. 31, 2015	Feb. 15, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	Guaranty Bancorp
Entity Central Index Key	1,324,410
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Public Float			$ 206.7
Entity Common Stock, Shares Outstanding		21,793,293
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)		Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks		$ 26,711,000	$ 32,441,000
Securities available for sale, at fair value		255,431,000	346,146,000
Securities held to maturity (fair value of $150,122 and $90,809 at December 31, 2015 and December 31, 2014)		148,761,000	88,514,000
Bank stocks, at cost		20,500,000	14,822,000
Total investments		424,692,000	449,482,000
Loans, held for investment, net of deferred costs and fees		1,814,536,000	1,541,434,000
Less allowance for loan losses		(23,000,000)	(22,490,000)
Net loans, held for investment		1,791,536,000	1,518,944,000
Premises and equipment, net		48,308,000	45,937,000
Other real estate owned and foreclosed assets		674,000	2,175,000
Other intangible assets, net		5,173,000	7,154,000
Bank-owned life insurance		48,909,000	42,456,000
Other assets		22,522,000	26,189,000
Total assets		2,368,525,000	2,124,778,000
Deposits:
Noninterest-bearing demand		612,371,000	654,051,000
Interest-bearing demand and NOW		381,834,000	326,748,000
Money market		397,371,000	374,063,000
Savings		151,130,000	138,588,000
Time		259,139,000	191,874,000
Total deposits		1,801,845,000	1,685,324,000
Securities sold under agreement to repurchase and federal funds purchased		26,477,000	33,508,000
Federal Home Loan Bank term notes		95,000,000	20,000,000
Federal Home Loan Bank line of credit borrowing		185,847,000	140,300,000
Subordinated debentures		25,774,000	25,774,000
Interest payable and other liabilities		11,943,000	12,933,000
Total liabilities		2,146,886,000	1,917,839,000
Stockholders' equity:
Common stock	[1]	24,000	24,000
Additional paid-in capital - common stock		712,310,000	709,341,000
Accumulated deficit		(382,147,000)	(396,172,000)
Accumulated other comprehensive loss		(4,805,000)	(3,127,000)
Treasury stock, at cost, 2,287,744 and 2,248,033 shares, respectively		(103,743,000)	(103,127,000)
Total stockholders' equity		221,639,000	206,939,000
Total liabilities and stockholders' equity		$ 2,368,525,000	$ 2,124,778,000
[1]	Common stock-$0.001 par value; 30,000,000 shares authorized; 23,992,596 shares issued and 21,704,852 shares outstanding at December 31, 2015 (includes 590,755 shares of unvested restricted stock); 23,876,906 shares issued and 21,628,873 shares outstanding at December 31, 2014 (includes 620,075 shares of unvested restricted stock).

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parenthetical) $ in Thousands	Dec. 31, 2015USD ($)$ / sharesshares	Dec. 31, 2014USD ($)$ / sharesshares
Consolidated Balance Sheets [Abstract]
Total securities held to maturity, Fair value | $	$ 150,122	$ 90,809
Common stock, par value (in dollars per share) | $ / shares	$ 0.001	$ 0.001
Common stock, shares authorized	30,000,000	30,000,000
Common stock, shares issued	23,992,596	23,876,906
Common stock, shares outstanding	21,704,852	21,628,873
Common stock, unvested restricted stock	590,755	620,075
Treasury stock, shares	2,287,744	2,248,033

Consolidated Statements Of Inco

Consolidated Statements Of Income - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest income:
Loans, including costs and fees		$ 70,188	$ 62,819	$ 57,435
Investment securities:
Taxable		8,325	9,178	9,432
Tax-exempt		2,852	2,708	2,990
Dividends		959	807	664
Federal funds sold and other		6	8	117
Total interest income		82,330	75,520	70,638
Interest expense:
Deposits		3,207	2,464	2,490
Securities sold under agreement to repurchase and federal funds purchased		45	40	49
Borrowings		1,285	3,403	3,407
Subordinated debentures		814	800	1,122
Total interest expense		5,351	6,707	7,068
Net interest income		76,979	68,813	63,570
Provision for loan losses		96	14	296
Net interest income, after provision for loan losses		76,883	68,799	63,274
Noninterest income:
Deposit service and other fees		8,941	9,066	8,825
Investment management and trust		5,189	4,380	2,904
Increase in cash surrender value of life insurance		1,758	1,295	1,018
Gain (loss) on sale of securities		132	28	(11)
Gain on sale of SBA loans		824	798	725
Other		336	1,128	338
Total noninterest income		17,180	16,695	13,799
Noninterest expense:
Salaries and employee benefits		33,564	32,766	29,581
Occupancy expense		6,312	6,308	6,289
Furniture and equipment		3,007	2,759	2,943
Amortization of intangible assets		1,981	2,506	2,818
Other real estate owned, net		80	367	(1,160)
Insurance and assessments		2,398	2,355	2,519
Professional fees		3,220	3,520	3,618
Prepayment penalty on debt extinguishment			5,459	629
Impairment of long-lived assets		122	186
Other general and administrative		9,655	9,520	9,451
Total noninterest expense		60,339	65,746	56,688
Income before income taxes		33,724	19,748	20,385
Income tax expense		11,270	6,236	6,356
Net income		$ 22,454	$ 13,512	$ 14,029
Earnings per common share-basic:	[1]	$ 1.07	$ 0.64	$ 0.67
Earnings per common share-diluted:	[2]	1.06	0.64	0.67
Dividends declared per common share:	[3]	$ 0.40	$ 0.20	$ 0.08
Weighted average common shares outstanding-basic	[4]	21,065,590	20,957,702	20,867,064
Weighted average common shares outstanding-diluted	[5]	21,272,336	21,086,543	20,951,237
[1]	Share and per share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.
[2]	Share and per share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.
[3]	Share and per share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.
[4]	Share and per share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.
[5]	Share and per share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.

Consolidated Statements Of Inc5

Consolidated Statements Of Income (Parenthetical)	May. 20, 2013
Consolidated Statements Of Income [Abstract]
Reverse stock split ratio	0.2

Consolidated Statements Of Comp

Consolidated Statements Of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Consolidated Statements Of Comprehensive Income [Abstract]
Net income	$ 22,454	$ 13,512	$ 14,029
Other comprehensive income (loss) related to unrealized gains and losses on securities available for sale:
Changes in net unrealized gains (losses) on available for sale securities during the period excluding the change attributable to available for sale securities reclassified to held to maturity	(1,971)	11,213	(20,123)
Income tax effect related to changes in unrealized (gains) losses arising during the period	750	(4,262)	7,649
Change in unamortized loss on available for sale securities reclassified into held to maturity securities	427	205
Change in unamortized loss on available for sale securities reclassified into held to maturity securities, Income tax effect	(162)	(78)
Reclassification adjustment for net losses (gains) included in net income during the period	(132)	(28)	11
Income tax effect related to the reclassification adjustment	50	11	(4)
Other comparehensive income (loss) related to unrealized gains and losses on derivative:
Change in fair value of derivatives during the period	(1,250)	(1,991)	562
Change in fair value of derivatives during the period, Income tax effect	475	757	(214)
Reclassification adjustment of losses (gains) included in net income on derivatives during the period	218
Income tax effect related to the reclassification adjustment of losses (gains) included in net income on derivatives during the period	(83)
Other comprehensive income (loss)	(1,678)	5,827	(12,119)
Total comprehensive income	$ 20,776	$ 19,339	$ 1,910

Consolidated Statements Of Chan

Consolidated Statements Of Changes In Stockholders' Equity - USD ($) $ in Thousands		Common Stock Shares Outstanding [Member]		Common Stock and Additional Paid-in Capital [Member]	Treasury Stock [Member]	Accumulated Deficit [Member]	Accumulated Other Comprehensive Loss [Member]	Total
Balance at Dec. 31, 2012				$ 705,389	$ (102,397)	$ (417,957)	$ 3,165	$ 188,200
Common Stock, Shares, Outstanding, Beginning Balance at Dec. 31, 2012	[1]	21,169,521
Increase (Decrease) in Stockholders' Equity
Net income						14,029		14,029
Other comprehensive income (loss)							(12,119)	(12,119)
Stock compensation awards, net of forfeitures (in shares)	[1]	155,640
Stock based compensation awards, net				1,125				1,125
Repurchase of common stock					(275)			(275)
Repurchase of common stock (in shares)	[1]	(21,454)
Dividends paid						(1,566)		(1,566)
Balance at Dec. 31, 2013				706,514	(102,672)	(405,494)	(8,954)	189,394
Common Stock, Shares, Outstanding, Ending Balance at Dec. 31, 2013	[1]	21,303,707
Increase (Decrease) in Stockholders' Equity
Net income						13,512		13,512
Other comprehensive income (loss)							5,827	5,827
Stock compensation awards, net of forfeitures (in shares)	[1]	357,742
Stock based compensation awards, net				2,454				2,454
Tax effect of restricted stock vestings				397				397
Repurchase of common stock					(455)			(455)
Repurchase of common stock (in shares)	[1]	(32,576)
Dividends paid						(4,190)		(4,190)
Balance at Dec. 31, 2014				709,365	(103,127)	(396,172)	(3,127)	$ 206,939
Common Stock, Shares, Outstanding, Ending Balance at Dec. 31, 2014		21,628,873	[1]					21,628,873
Increase (Decrease) in Stockholders' Equity
Net income						22,454		$ 22,454
Other comprehensive income (loss)							(1,678)	(1,678)
Stock compensation awards, net of forfeitures (in shares)	[1]	115,690
Stock based compensation awards, net				2,739				2,739
Tax effect of restricted stock vestings				230				230
Repurchase of common stock					(616)			(616)
Repurchase of common stock (in shares)	[1]	(39,711)
Dividends paid						(8,429)		(8,429)
Balance at Dec. 31, 2015				$ 712,334	$ (103,743)	$ (382,147)	$ (4,805)	$ 221,639
Common Stock, Shares, Outstanding, Ending Balance at Dec. 31, 2015		21,704,852	[1]					21,704,852
[1]	Share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.

Consolidated Statements Of Cha8

Consolidated Statements Of Changes In Stockholders' Equity (Parenthetical)	May. 20, 2013
Consolidated Statements Of Changes In Stockholders' Equity [Abstract]
Reverse stock split ratio	0.2

Consolidated Statements Of Cash

Consolidated Statements Of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash flows from operating activities:
Net income	$ 22,454	$ 13,512	$ 14,029
Reconciliation of net income to net cash from operating activities:
Depreciation and amortization	4,728	5,069	4,915
Net amortization on investment and loan portfolios	530	1,691	316
Provision for loan losses	96	14	296
Impairment of long-lived assets	122	186
Stock compensation, net	2,739	2,454	1,125
Dividends on bank stocks	(504)	(385)	(257)
Increase in cash surrender value of life insurance	(1,453)	(1,046)	(859)
Gain on sale of securities and SBA loans	(956)	(826)	(714)
Landlord cash allowance	934	37
Prepayment penalty on debt extinguishment		5,459	629
Loss on the sale of other assets	18	7	100
Origination of SBA loans with intent to sell	(6,538)	(3,078)	(3,290)
Proceeds from the sale of SBA loans originated with intent to sell	8,038	4,333	4,604
Loss (gain), net, and valuation adjustments on real estate owned	42	210	(1,215)
Net change in:
Interest receivable and other assets	(1,120)	(3,650)	(217)
Net deferred income tax assets	4,105	2,120	5,741
Interest payable and other liabilities	47	1,765	1,136
Net cash from operating activities	33,282	27,872	26,339
Activity in available for sale securities:
Sales, maturities, prepayments and calls	61,276	67,604	77,481
Purchases	(22,561)	(36,985)	(104,217)
Activity in held to maturity securities and bank stocks:
Maturities, prepayments and calls	19,047	17,824	8,818
Purchases	(35,320)	(27,979)	(16,646)
Loan originations and purchases, net of principal collections	(274,313)	(224,347)	(163,263)
Redemption of time deposits with banks			8,000
Cash outlays related to acquisitions	(1,457)	(2,386)	(452)
Purchase of bank-owned life insurance contracts	(5,000)	(10,000)	(15,000)
Proceeds from sale of other assets	1,293
Proceeds from sales of other real estate owned and foreclosed assets	1,427	2,240	10,926
Proceeds from sale of SBA loans transferred to held for sale	589	4,661	3,386
Additions to premises and equipment	(5,136)	(427)	(3,359)
Net cash from investing activities	(260,155)	(209,795)	(194,326)
Cash flows from financing activities:
Net change in deposits	116,521	156,867	73,701
Repayment of Federal Home Loan Bank term notes		(95,459)	(163)
Net change in borrowings on Federal Home Loan Bank line of credit	45,547	120,300	20,000
Proceeds from issuance of debt	75,000
Redemption of subordinated debentures			(16,094)
Cash dividends on common stock	(8,429)	(4,190)	(1,566)
Tax effect of restricted stock vesting	151
Net change in repurchase agreements and federal funds purchased	(7,031)	9,224	(42,756)
Repurchase of common stock	(616)	(455)	(275)
Net cash from financing activities	221,143	186,287	32,847
Net change in cash and cash equivalents	(5,730)	4,364	(135,140)
Cash and cash equivalents, beginning of period	32,441	28,077	163,217
Cash and cash equivalents, end of period	26,711	32,441	28,077
Supplemental disclosure of cash flow activity:
Interest paid on deposits and borrowed funds	5,484	6,932	7,594
Income taxes paid	7,262	5,301	711
Supplemental disclosure of noncash activities:
Financing of the sale of other real estate owned			8,576
Loans transferred to other real estate owned and foreclosed assets		132	2,386
Securities transferred to other real estate owned and foreclosed assets			814
Loans transferred to loans held for sale		4,269	3,560
Reclassification of available for sale securities into held to maturity	$ 49,084	$ 41,629
Securities sold or called, not yet settled			21,917
Securities purchased, not yet settled			$ 3,839

Organization

Organization	12 Months Ended
	Dec. 31, 2015
Organization [Abstract]
Organization	( 1 ) Organization Guaranty Bancorp is a bank holding company registered under the Bank Holding Company Act of 1956, as amended, and headquartered in Colorado. The Company’s principal business is to serve as a holding company for its wholly owned bank subsidiary, Guaranty Bank and Trust Company, referred to as the “ Bank ” . References to the “Company,” “us,” “we,” and “our” refer to Guaranty Bancorp on a consolidated basis. References to “Guaranty Bancorp” or to the “holding company” refer to the parent company on a stand-alone basis.

Summary of Significant Accounti

Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	( 2 ) Summary of Significant Accounting Policies ( a ) Nature of Operations and Principles of Consolidation The Bank is a full-service community bank offering an array of banking products and services to the communities it serves along the Front Range of Colorado, including accepting time and demand deposits and originating commercial loans, commercial and residential real estate loans , Small Business Administration (“SBA”) guaranteed loans and consumer loans. The Bank together with its wholly owned subsidiaries, Private Capital Management, LLC (“PCM”) and Cherry Hills Investment Advisors, Inc. (“CHIA”), provide wealth management services, including private banking, investment management and trust services. Substantially all of the Bank’s loans are secured by specific items of collateral, including business assets, commercial and residential real estate, which include land or improved land and consumer assets. Commercial loans are expected to be repaid from cash flow from the operations of businesses that have taken out the loans. There are no significant concentrations of loans to any one industry or customer. The accounting and reporting policies of the Company conform to generally accepted accounting principles in the United States of America. All material intercompany balances and transactions have been eliminated in consolida tion. The Company’s financial statements reflect all adjustments that are, in the opinion of management, necessary for a fair presentation of its financial position and results of operations for the periods presented. (b) Use of Estimates The preparation of the consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the consolidated balance sheets and income and expense for the periods presented. Actual results could differ significantly from those estimates. (c) Cash Flows Cash and cash equivalents on the Company’s consolidated balance sheets include cash-on-hand , balances due from banks and interest-bearing deposits in other financial institutions that have an original maturity of three months or less and are carried at cost. Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other financial institutions, short-term borrowings, federal funds purchased and repurchase agreements. (d) Time Deposits with Banks The Company may invest in short term, fully insured time deposits with other banks through the Certificate of Deposit Account Registry Service. (e) Securities S ecurities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. S ecurities not classified as held to maturity are classified as available for sale. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized according to the effective interest method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Management evaluates securities for other-than-temporary impairment (“OTTI”) on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as an impairment through earnings. The investments in bank stocks are reviewed by management quarterly for potential OTTI. This quarterly review considers the credit quality of the institution, the institution’s ability to repurchase shares and the Company’s carrying value in the shares relative to the share’s book value. Based on these reviews, management concluded that there was no impairment during 201 5 , 201 4 and 201 3 . (f) Loans and Loan Commitments The Company extends commercial, real estate, agricultural and consumer loans to customers. A substantial portion of the loan portfolio consists of commercial and real estate loans throughout the Front Range of Colorado. The ability of the Company’s borrowers to honor their contracts is generally dependent upon the real estate and general economic conditions prevailing in Colorado, among other factors. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances, adjusted for charge-offs, the allowance for loan losses and any deferred fees or costs. Accounting for loans is performed consistently across all portfolio segments and classes. A portfolio segment is defined in accounting guidance as the level at which an entity develops and documents a systematic methodology to determine its allowance for loan losses. A class is defined in accounting guidance as a group of loans having similar initial measurement attributes, risk characteristics and methods for monitoring and assessing risk. Interest income is accrued on the unpaid principal balance of the Company’s loans. Loan origination fees, net of direct origination costs, are deferred and recognized as an adjustment to the related loan yield using the effective interest method without anticipating prepayments. The accrual of interest on loans is discontinued (and the loan is put on nonaccrual status) at the time the loan is 90 days past due unless the loan is well secured and in process of collection. The time at which a loan enters past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off prior to the date on which they would otherwise enter past due status if collection of principal or interest is considered doubtful. The interest on a nonaccrual loan is accounted for using the cost-recovery or cash-basis method, until the loan qualifies for a return to the accrual-basis method. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero, with payments received being applied first to the principal balance of the loan. Under the cash-basis method, interest income is recognized when the payment is received in cash. A loan is returned to accrual status after the delinquent borrower’s financial condition has improved, when all the principal and interest amounts contractually due are brought current and when the likelihood of the borrower making future timely payments are reasonably assured. Financial instruments include off ‑balance sheet credit instruments, such as commitments to make loans and commercial letters of credit issued to meet customer financing needs. The face amount of each item represents the Company’s total exposure to loss with respect to the item before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded . (g) Allowance for Loan Losses and Allowance for Unfunded Commitments The allowance for loan losses or “the allowance” is a valuation allowance for probable incurred loan losses and is reported as a reduction of outstanding loan balances. Management evaluates the amount of the allowance on a regular basis based upon its periodic review of the collectability of the Company’s loans. Factors affecting the collectability of the loans include historical loss experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrowers’ ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Management maintains the allowance at a level that it deems appropriate to adequately provide for probable incurred losses in the loan portfolio and other extensions of credit. The Company’s methodology for estimating the allowance is consistent across all portfolio segments and classes of loans. Loans deemed to be uncollectible are charged- off and deducted from the allowance. The Company’s loan portfolio primarily consists of non-homogeneous commercial and real estate loans where charge-offs are considered on a loan-by-loan basis based on the facts and circumstances, including management’s evaluation of collateral values in comparison to book values on collateral-dependent loans. Charge-offs on smaller balance unsecured homogenous type loans such as overdrafts and ready reserves are recognized by the time the loan in question is 90 days past due. The provision for loan losses and recoveries on loans previously charged-off are added to the allowance. The allowance consists of both specific and general components. The specific component relates to loans that are individually classified as impaired. All loans are subject to individual impairment evaluation should the pertinent facts and circumstances suggest that such evaluation is necessary. Factors considered by management in determining impairment include the loan’s payment status and the probability of collecting scheduled principal and interest payments when they become due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the original underlying loan agreement. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is impaired, a portion, if any, of the allowance is allocated so that the loan is reported at the present value of estimated future cash flows using the loan’s original contractual rate or at the fair value of collateral , less estimated selling costs, if repayment is expected solely from collateral. Troubled debt restructurings (“TDRs”) are separately identified for impairment disclosures. If a TDR is considered to be a collateral-dependent loan, the loan is reported at the fair value of the collateral, less estimated selling costs. Likewise, if a TDR is not collateral-dependent, impairment is measured by the present value of estimated future cash flows using the loan’s effective rate at inception. For TDRs that subsequently default, the Company determines the amount of reserve in accordance with its accounting policy for the allowance. The general component of the allowance covers all other loans not specifically identified as impaired and is determined by calculating losses recognized by portfolio segment during the current credit cycle and adjusted based on management’s evaluation of various qualitative factors . In performing this calculation, loans are aggregated into one of three portfolio segments: Real Estate, Consumer and Co mmercial & Other. An assessment of risks impacting loans in each of these portfolio segments is performed and qualitative adjustment factors, which will adjust the historical loss rate , are estimated. These qualitative adjustment factors consider current conditions relative to conditions present throughout the current credit cycle in the following areas: credit quality, loan class concentration levels, economic conditions, loan growth dynamics and organizational conditions. The histo r ical loss experience is adjusted for management’s estimate of the impact of these factors based on the risks present for each portfolio segment. The Company recognizes a liability in relation to unfunded commitments that is intended to represent the estimated future losses on commitments. In calculating the amount of this liability, management considers the amount of the Company’s off-balance sheet commitments, estimated utilization factors and loan specific risk factors. The Company’s liability for unfunded commitments is calculated quarterly and the liability is included under “other liabilities” in the consolidated balance sheet. ( h ) Loans Held for Sale P articular loans may be considered “held for sale” as of the Company’s balance sheet date. The Company routinely sells SBA guaranteed loans, and h istorically has designated select classified or nonaccrual loans as held-for-sale as part of its strategy to dispose of these non-earning assets. Once the decision is made to sell a loan , the loan is designated as held for sale and carried at the lower of cost or fair value, with any required write-down being taken at the time of the reclassification. (i) Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. (j) Other Real Estate Owned and Foreclosed Assets Assets acquired through, or in lieu of, loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. If the asset’s fair value declines subsequent to the asset’s acquisition, a valuation allowance is recorded through expense. Operating revenues and expenses of these assets and reductions in the fair value of the assets are included in noninterest expense. Gains and losses on their disposition are also included in noninterest expense. (k) Premises and Equipment Land is carried at cost. Buildings, equipment and software are carried at cost, less accumulated depreciation and amortization computed on the straight-line method over the useful life of the asset. Leasehold improvements are depreciated over the shorter of their estimated useful life or the lease term. Buildings and leasehold improvements carry an estimated useful life of five to 40 years and equipment and software carry an estimated useful life of one to 15 years. Repairs and maintenance are charged to noninterest expense as incurred. (l) Bank Stocks The Bank is a member of the Federal Home Loan Bank (FHLB) system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. The Bank also owns Federal Reserve Bank (FRB) stock and Banker’s Bank of the West (BB W) stock. FHLB, FRB and BB W stock is carried at cost, classified as a restricted security, and periodically reviewed for impairment based on the likelihood of ultimate recovery of par value. Both cash and stock dividends are reported as income. ( m ) Other Intangible Assets Intangible assets acquired in a business combination are amortized over their estimated useful lives to their estimated residual values and evaluated for impairment whenever changes in circumstances indicate that such an evaluation is necessary. Core deposit intangible assets (“CDI assets”) are recognized at the time of their acquisition based on valuations prepared by independent third parties or other estimates of fair value. In preparing such valuations, management considers variables such as deposit servicing costs, attrition rates, and market discount rates. CDI assets are amortized to expense over their useful lives, ranging from 10 years to 15 years. Customer relationship intangible assets are recognized at the time of their acquisition based upon management’s estimate of their fair value. In preparing such valuations, management considers variables such as growth in existing customer base, attrition rates and market discount rates. The customer relationship intangible asset s are amortized to expense over their estimated useful life, which has been estimated to be ten years. As of December 31, 2015 the Company had recognized two custome r relationship intangible assets as a result of the acquisition of PCM on July 31, 2012 and CHIA on July 16, 2014 . (n) Impairment of Long-Lived Assets Long-lived assets, such as premises and equipment, and finite-lived intangible assets subject to amortization, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying value of an asset may not be recoverable. The recoverability of assets to be held and used is measured by a comparison of the carrying value of the asset to the estimated undiscounted future cash flows expected to be generated by the asset. If the carrying value of an asset exceeds its estimated undiscounted future cash flows, an impairment charge is recognized by the amount by which the carrying value of the asset exceeds the fair value of the asset, less costs to sell. Assets to be disposed of are reported at the lower of their carrying value or fair value less costs to sell, and are no longer depreciated. In 2014, The Company recognized $186,000 in impairment charges on a branch facility that was held for sale and included in “other assets” in the December 31, 2014 consolidated balance sheet. During 2015 the branch facility was sold, subsequent to a $122,000 impairment recognized by the Company in 2015. As of December 31, 2015 the Company had no long-lived assets classified as held-for-sale. (o) Derivative Instruments The Company records all derivatives on its consolidated balance sheets at fair value. At the inception of a derivative contract, the Company designates the derivative as one of three types based on the Company’s intentions and belief as to the derivative’s likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“fair value hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedge”), or (3) an instrument with no hedging designation (“stand-alone derivative”). To date, the Company has entered into cash flow hedges and stand-alone derivative agreements but has not entered into any fair value hedges. For a cash flow hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. Any portion of the cash flow hedge not deemed highly effective in hedging the changes in expected cash flows of the hedged item is recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings, as noninterest income. The Company formally documents the relationship between derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions, at the inception of the derivative contract. This documentation includes linking cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the hedge is highly effective in offsetting changes in cash flows of the hedged items. (p) Stock Incentive Plan The Company’s Amended and Restated 2005 Stock Incentive Plan (the “Incentive Plan”) provided for the grant of equity-based awards representing up to a total of 1,700,000 shares of voting common stock to key employees, nonemployee directors, consultants and prospective employees. The Incentive Plan expired by its terms on April 4, 2015. At the Company’s annual meeting of stockholders on May 5, 2015, the Company’s stockholders approved the Guaranty Bancorp 2015 Long-Term Incentive Plan (the “2015 Plan”), which had been previously approved by the Company’s Board of Directors. The 2015 Plan provides for the grant of stock options, stock awards, stock unit awards, performance stock awards, stock appreciation rights, and other equity-based awards representing up to a total of 935,000 shares of voting common stock to key employees, nonemployee directors, consultants and prospective employees. All awards issued under the Incentive Plan will remain outstanding in accordance with their terms despite the expiration of the Incentive Plan; however, any awards granted subsequent to the expiration of the Incentive Plan have been, and will continue to be, issued under the 2015 Plan. As of December 31, 2015, the Company had granted stock awards under both the Incentive Plan and the 2015 plan. The Company recognizes stock compensation expense for services received in a share-based payment transaction over the requisite service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. The compensation cost of employee and director services received in exchange for stock awards is based on the grant date fair value of the award, as determined by quoted market prices. Stock compensation expense is recognized using an estimated forfeiture rate, adjusted as necessary to reflect actual forfeitures. The Company has issued stock awards that vest based on the passage of time over service periods of three to five years (in some cases vesting in annual installments, in other cases cliff vesting at the end of the service period), and other stock awards that vest contingent upon the satisfaction of certain performance conditions. The last date on which outstanding performance stock awards may vest is December 31, 2018. At December 31, 2015, certain performance stock awards were expected to vest prior to their expiration. Should expectations of future financial performance change, expense to be recognized in future periods could be impacted. (q) Stock Repurchase Plan On February 2, 2016, the Company’s Board of Directors authorized the extension of the expiration date of the Company’s share repurchase program originally announced in April 2014. The repurchase program had been scheduled to expire 12 months from the date of its announcement and, as extended, the program is scheduled to expire on April 2, 2017. Pursuant to the program, the Company may repurchase up to 1,000,000 shares of its voting common stock, par value $0.001 per share. As of the date of this filing, the Company had not repurchased any shares under the program. (r) Bank-Owned Life Insurance The Bank has life insurance policies on certain key executives and former key executives. Bank-owned life insurance (“BOLI”) is recorded at the amount that can be realized under the insurance contract at the balance sheet date , which is the cash surrender value adjusted for other charges or other amounts likely due at settlement. ( s ) Income Taxes Income tax expense is the total of the current year’s income tax payable or refundable and the increase or decrease in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period of the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that the Company will not realize some portion of , or the entire deferred tax asset . In assessing the Company’s likelihood of realizing deferred tax assets, management evaluates both positive and negative evidence, including the existence of any cumulative losses in the current year and the prior two years, the amount of taxes paid in available carry-back years, forecasts of future income, taking into account applicable tax planning strategies, and assessments of current and future economic and business conditions. Management performs this analysis quarterly and adjusts as necessary. At December 31, 201 5 and December 31, 201 4 , the Company had a net deferred tax asset of $ 7,912,000 and $ 10,988,000 , respectively, which includes the deferred tax asset associated with the net unrealized gain “loss” on securities . After analyzing the composition of and changes in the deferred tax assets and liabilities and considering the Company’s forecasted future taxable income and various tax planning strategies, including the intent to hold the securities available for sale that were in a loss position until maturity, management determined that as of December 31, 201 5 it was “more likely than not” that the net deferred tax asset would be fully realized. As a result, there was no valuation allowance with respect to the Company’s deferred tax asset as of December 31, 2015 or December 31, 2014. The Company and the Bank are subject to U.S. federal income tax and State of Colorado income tax. Generally, t he Company is no longer subje ct to examination by Federal taxing authorities for years before 20 12 and is no longer subject to examination by the State for years before 2011. The Company recognizes interest related to income tax matters as interest expense and penalties related to income tax matters as other noninterest expense. At December 31, 2015 and December 2014 , the Company did not have any amounts accrued for interest or penalties. ( t ) Segments of an Enterprise and Related Information The Company operates as a single segment. The operating information used by the Company’s Chief Executive O fficer for purposes of assessing performance and making operating decisions impacting the Company is the consolidated financial data presented in this report. For the years ended 201 5 and 201 4 , the Company had one active operating subsidiary, Guaranty Bank and Trust Company. The Company has determined that banking is its one reportable business segment. (u) Earnings p er Common Share Basic earnings per common share represents the earnings allocable to common stockholders divided by the weighted average number of common shares outstanding during the period. Dilutive common shares that may be issued by the Company represent unvested stock awards subject to a service or performance condition. Earnings per common share have been computed based on the following calculation of weighted average shares outstanding : Year Ended December 31, 2015 2014 2013 Average common shares outstanding (1) 21,065,590 20,957,702 20,867,064 Effect of dilutive unvested stock grants (1) (2 ) 206,746 128,841 84,173 Average shares outstanding for calculated diluted earnings per common share 21,272,336 21,086,543 20,951,237 _____________ ( 1 ) Share amounts have been adjusted to reflect the Company’s 1- for-5 reverse stock split on May 20, 2013. ( 2 ) U nvested stock grants representing 590,755 shares at December 31, 2015 had a dilutive impact of 206,746 shares in the diluted earnings per share calculation . U nvested stock grants representing 620,075 shares at December 31, 201 4 had a dilutive impact of 128 , 841 shares in the diluted earnings per share calculation. U nvested stock grants representing 386,525 shares at December 31, 201 3 had a dilutive impact of 84 , 173 shares in the diluted earnings per share calculation. ( v ) Dividend Restrictions Holders of voting common stock are entitled to dividends out of funds legally available for such dividends, when , and if, declared by the Board of Directors. Various banking laws applicable to the Bank limit the payment of dividends, management fees and other distributions by the Bank to the Company, and may therefore limit our ability to pay dividends on our common stock. Under these laws, the Bank is currently required to request permission from the Federal Reserve and the Colorado Division of Banking prior to payment of a dividend to the Company. Any future determination relating to dividend policy will be made at the discretion of our Board of Directors and will depend on a number of factors, including general business conditions, our financial results, our future prospects, capital requirements, contractual, legal, and regulatory restrictions on the payment of dividends by us to our stockholders or by the Bank to the holding company, and such other factors as our Board of Directors may deem relevant. On February 2, 2016 the Company announced that its Board of Directors declared a quarterly cash dividend of 11.5 cents per share, payable on February 19, 2016 to stockholders of record on February 12, 201 6 . (w ) Fair Values of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 1 7 “Fair Value Measurements and Fair Value of Financial Instruments” . Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates. ( x ) Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of a loss is probable and an amount or range of loss can be reasonably estimated. Loss contingencies are more fully disclosed in Note 14 “Legal Contingencies” . ( y ) Recently Issued Accounting Standards Adoption of New Accounting Standards: In June 2014 the Financial Accounting Standards Board (the “FASB”) issued accounting standards update 2014-11 Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. As a result of the update, repurchase-to-maturity transactions and repurchase agreements executed as a repurchase financings will be accounted for in the same manner as repurchase agreements, namely, as secured borrowings. The update also requires additional disclosures for repurchase agreements and other instruments accounted for as secured borrowings. The provisions of this update were reflected in the Company’s reporting beginning in the second quarter 2015. The requirements of this update have not impacted the Company’s financial position, results of operations or cash flows but rather resulted in enhanced disclosures surrounding securities pledged to the Company’s repurchase agreements. Recently Issu ed but not yet Effective Accounting Standards: In May 2014 the FASB issued accounting standards update 2014-09 Revenue from Contracts with Customers. The main provisions of the update require the identification of performance obligations within a contract and require the recognition of revenue based on a stand-alone allocation of contract revenue to each performance obligation. Performance obligations may be satisfied and revenue recognized over a period of time if: (i) the customer simultaneously receives and consumes the benefits provided by the entity’s performance as the entity performs, or (ii) the entity’s performance creates or enhances an asset that the customer controls as the asset is created or enhanced, or (iii) the entity’s performance does not create an asset with an alternative use to the entity, and the entity has an enforceable right to payment for performance completed to date. After a recent one-year deferral of the effective date, the amendments

Securities

Securities	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Securities	( 3 ) Securities The fair value of available for sale debt securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income ( loss)( “ AOCI ” ) were as follows as of the dates presented : December 31, 2015 Fair Value Gross Unrealized Gains Gross Unrealized Losses Amortized Cost (In thousands) Securities available for sale: State and municipal $ 34,713 $ 20 $ - $ 34,693 Mortgage-backed - agency / residential 129,017 1,081 (1,929) 129,865 Mortgage-backed - private / residential 274 - (10) 284 Trust preferred 17,806 100 (2,294) 20,000 Corporate 65,291 660 (389) 65,020 Collateralized loan obligations 8,330 - (148) 8,478 Total securities available for sale $ 255,431 $ 1,861 $ (4,770) $ 258,340 December 31, 2014 Fair Value Gross Unrealized Gains Gross Unrealized Losses Amortized Cost (In thousands) Securities available for sale: State and municipal $ 49,399 $ 71 $ (293) $ 49,621 Mortgage-backed - agency / residential 201,902 2,027 (2,063) 201,938 Mortgage-backed - private / residential 412 - - 412 Asset-backed 8,708 - (280) 8,988 Trust preferred 18,075 175 (2,100) 20,000 Corporate 64,717 956 (49) 63,810 Collateralized loan obligations 2,933 - - 2,933 Total securities available for sale $ 346,146 $ 3,229 $ (4,785) $ 347,702 During the first quarter of 2015, the Company reclassified, at fair value, approximately $49,084,000 in available for sale mortgage-backed, asset-backed and municipal securities to the held to maturity category. The related unrealized pre-tax losses of approximately $750,000 remained in accumulated other comprehensive income (loss) and will be amortized over the remaining life of the securities, offsetting the related amortization of discount on the transferred securities. No gains or losses were recognized at the time of reclassification. During the second quarter of 2014, the Company reclassified, at fair value, approximately $39,365,000 in available for sale mortgage-backed and asset-backed securities to the held to maturity category. The related unrealized after-tax losses of approximately $1,404,000 remained in accumulated other comprehensive income (loss) and will be amortized over the remaining life of the securities, offsetting the related amortization of discount on the transferred securities. No gains or losses were recognized at the time of reclassification The carrying amount, unrecognized gains /losses and fair value of securities held to maturity were as follows as of the dates presented: Fair Value Gross Unrecognized Gains Gross Unrecognized Losses Amortized Cost (In thousands) December 31, 2015: State and municipal $ 55,812 $ 1,349 $ (390) $ 54,853 Mortgage-backed - agency / residential 74,692 767 (611) 74,536 Asset-backed 19,618 273 (27) 19,372 $ 150,122 $ 2,389 $ (1,028) $ 148,761 December 31, 2014: State and municipal $ 36,051 $ 923 $ (95) $ 35,223 Mortgage-backed - agency / residential 41,734 1,203 - 40,531 Asset-backed 13,024 264 - 12,760 $ 90,809 $ 2,390 $ (95) $ 88,514 The proceeds from sales and calls of securities and the associated gains are listed below: Year Ended December 31, 2015 2014 2013 (In thousands) Proceeds $ 27,985 $ 11,570 $ 35,347 Gross gains 217 45 197 Gross losses (85) (17) (208) Net tax expense related to gains (losses) on sale 50 11 (4) The amortized cost and estimated fair value of available for sale and held to maturity debt securi ties by contractual maturity at December 31 , 201 5 are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to prepay obligations with or without prepayment penalties. Securities not due at a single maturity date are presented separately. Available for Sale December 31, 2015 Fair Value Amortized Cost (In thousands) Securities available for sale: Due in one year or less $ 2,884 $ 2,878 Due after one year through five years 43,360 42,820 Due after five years through ten years 13,579 13,603 Due after ten years 57,987 60,412 Total AFS, excluding mortgage-backed (MBS) and collateralized loan obligations 117,810 119,713 Mortgage-backed and collateralized loan obligations 137,621 138,627 Total securities available for sale $ 255,431 $ 258,340 Held to Maturity December 31, 2015 Fair Value Amortized Cost (In thousands) Securities held to maturity: Due in one year or less $ 1,654 $ 1,653 Due after one year through five years 2,489 2,477 Due after five years through ten years 21,424 21,125 Due after ten years 30,245 29,598 Total HTM, excluding MBS and asset-backed 55,812 54,853 Mortgage-backed and asset-backed 94,310 93,908 Total securities held to maturity $ 150,122 $ 148,761 Securities with carrying values of $168,723,000 and $251,136,000 were pledged at December 31, 2015 and 2014, respectively, as collateral for various lines of credit, public deposits and for other purposes as required or permitted by law. At December 31, 2015, approximately $227,749,000 of securities were available for pledging. At December 31, 2014, approximately $185,820,000 of securities were available for pledging. The following tabl e present s the fair value and the unrealized loss on securities that were temporarily impaired as of December 31, 201 5 , aggregated by major security type and length of time in a continuous unrealized loss position: December 31, 2015 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) Description of securities: Available for sale: Mortgage-backed - agency / residential $ 56,204 $ (800) $ 31,755 $ (1,129) $ 87,959 $ (1,929) Mortgage-backed - private / residential 274 (10) - - 274 (10) Trust preferred - - 7,706 (2,294) 7,706 (2,294) Corporate 27,176 (389) - - 27,176 (389) Collateralized loan obligations 8,330 (148) - - 8,330 (148) Held to maturity: State and municipal 6,726 (351) 10,056 (102) 16,782 (453) Mortgage-backed - agency / residential 39,280 (781) 25,838 (820) 65,118 (1,601) Asset-backed - - 19,618 (438) 19,618 (438) Total temporarily impaired $ 137,990 $ (2,479) $ 94,973 $ (4,783) $ 232,963 $ (7,262) The table above presents unrealized losses on held to maturity securities since the date of the securities purchase, independent of the impact associated with changes in cost basis upon transfer from available for sale to held to maturity. In determining whether or not there is an OTTI for a securit y, management consi ders many factors, including: (i ) the length of time for which and the extent to which the security’s fair v alue has been less than cost, (ii ) the financial condition and near-term prospects of the security’s issuer, (iii ) whether the decline in the security’s value was affected by macroeconomic conditions, and (iv ) whether the Company inten ds to sell the security and whether it is more likely than not that the Company will be required to sell the security before a recovery in its fair value . The assessment of whether an OTTI exists involves a high degree of subjectivity and judgment and is based on the information available to management at a particular point in time. T here were no accumulated credit losses on any of the Company’s securities as of December 31, 2015. At December 31, 201 5 , there were 88 individual securities in an unrealized loss position, including 43 individual securities that had been in a continuous unrealized loss position for 12 months or longer. Management has evaluated these securities in addition to the remaining 45 securities in an unrealized loss position and has determined that the decline in value since their purchase dates was primarily attributable to fluctuations in market interest rates and does not reflect a decline in the underlying issuers’ ability to repay. Management determined that the decrease in the number of secu rities in an unrealized loss position in excess of 12 months from 75 securities at December 31, 2014 to the 43 securities at December 31, 2015 was primarily attributable to the timing of interest rate fluctuations. The total number of securities in an unrealized loss position increased from 84 individual securities at December 31, 2014 to 88 securities at December 31, 2015. At Decembe r 31, 201 5 the Company did not intend to sell, and did not consider it likely that it would be required to sell, any of these securities prior to recovery in their fair value. The Company’s unrated and rated municipal bond securities , along with the Company’s other rated investment securities, are subject t o an annual internal review process that management has historically performed in the fourth quarter. Th e review process includes a review of the securities’ issuers’ most recent financial statements, including an evaluation of the expected sufficiency of the issuers’ cash flows relative to their debt service requirements . In addition, management considers any interim information reasonably made available to it that would prompt the need for more frequent review. At December 31, 2015 and December 31, 2014, the Company’s unrated municipal bonds comprised approximately 13.8% and 14.7% , respectively, of the carrying value of the Company’s entire municipal bond portfolio. At December 31 , 201 5 , a revenue bond issued by the Colorado Health Facilities Authority with a book value of $ 24,115,000 accounted for 10.9 % of total stockholders’ equity. This amortizing tax-exempt bond was issued by a hospital in the Company’s footprint and is secured by a pledge of revenues and a deed of trust from the hospital , carries an interest rate of 4.75 % and matures on December 1, 2031 . Utilizing the discounted cash flow method and an estimate of current market rates for similar bonds , management determined that the estimated fair value of this bond as of December 31, 2015 and December 31, 2014 approximated its par value. In addition to conducting its annual review of un rated municipal bonds , the most recent of which was completed in the fourth quarter 2015, management conducts a quarterly review of the hospital’s financial statements. To date, the bond has paid principal and interest in accordance with its contractual terms , including a partial redemption in 2013 in advance of the contractual repayment schedule. The hospital has evidenced sufficient cash flow to service the debt. The following tabl e present s the fair value and the unrealized loss on securities that were temporarily impaired as of Dece mber 31, 201 4 , aggregated by major security type and length of time in a con tinuous unrealized loss position : December 31, 2014 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) Description of securities: Available for sale: State and municipal $ - $ - $ 12,515 $ (293) $ 12,515 $ (293) Mortgage-backed - agency / residential 23,407 (92) 103,429 (1,971) 126,836 (2,063) Asset-backed - - 8,708 (280) 8,708 (280) Trust preferred - - 7,900 (2,100) 7,900 (2,100) Corporate 11,505 (49) - - 11,505 (49) Collateralized loan obligations 2,933 - - - 2,933 - Held to maturity: State and municipal - - 10,426 (95) 10,426 (95) Total temporarily impaired $ 37,845 $ (141) $ 142,978 $ (4,739) $ 180,823 $ (4,880) At December 31, 2014, there were 84 individual securities in an unrealized loss position, including 75 individual securities that had been in a continuous unrealized loss position for 12 months or longer. Management evaluated these securities in addition to the remaining nine securities in an unrealized loss position and determined that the decline in value since their purchase dates was primarily attributable to fluctuations in market interest rates. At December 31, 201 4 the Company did not intend to sell, and did not consider it likely that it would be required to sell, any of these securities prior to recovery in their fair value .

Bank Stocks

Bank Stocks	12 Months Ended
	Dec. 31, 2015
Bank Stocks [Abstract]
Bank Stocks	(4) Bank Stocks The Bank is a member of both the Federal Reserve Bank of Kansas City and the Federal Home Loan Bank of Topeka and is required to maintain an investment in the capital stock of each. The Federal Reserve, Federal Home Loan Bank and other bank stock are restricted in that they can only be redeemed by the issuer at par value. The Company’s investments in these instruments at December 31, 2015 and December 31, 2014 were as follows: 2015 2014 (In thousands) Federal Reserve Bank of Kansas City $ 7,104 $ 6,710 Federal Home Loan Bank of Topeka 12,638 7,354 Other bank stocks securities 758 758 Totals $ 20,500 $ 14,822

Loans

Loans	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Loans	( 5 ) Loans A summary of loans held for investment by loan t ype is included in the following table : December 31, December 31, 2015 2014 (In thousands) Commercial and residential real estate $ 1,281,701 $ 1,049,315 Construction 107,170 66,634 Commercial 323,552 324,057 Agricultural 9,294 10,625 Consumer 66,288 60,155 SBA 25,645 30,025 Other 631 1,002 Total gross loans 1,814,281 1,541,813 Deferred costs and (fees) 255 (379) Loans, held for investment, net of deferred costs and fees 1,814,536 1,541,434 Less allowance for loan losses (23,000) (22,490) Net loans, held for investment $ 1,791,536 $ 1,518,944 During 2015 the Company purchased $50.1 million in performing loans included in our Real Estate portfolio segment. No loans were purchased in 2014. At December 31, 2015, none of the loans purchased during the year were impaired. Activity in the allowance for loan losses fo r the periods indicated is as follows: Year Ended December 31, 2015 2014 2013 Balance, beginning of period $ 22,490 $ 21,005 $ 25,142 Provision for loan losses 96 14 296 Loans charged-off (238) (623) (7,273) Recoveries on loans previously charged-off 652 2,094 2,840 Balance, end of period $ 23,000 $ 22,490 $ 21,005 The Company’s additional disclosures relating to loans and the allowance for loan losses are broken out into two subsets, portfolio segment and class. The portfolio segment level is defined as the level where financing receivables are aggregated in developing the Company’s systematic method for calculating its allowance for loan losses. The class level is the second level at which credit information is presented and represents the categorization of financing related receivables at a slightly less aggregated level than the portfolio segment level. Because d ata presented according to class is dependent upon the underlying purpose of the loan, whereas loan data organized by portfolio segment is determined by the loan’s underlying collateral, disclosures broken out by portfolio segment versus class may not be in agreement. The following table s provide detail for the ending balances in the Company’s allowance for loan losses and loans held for investment, broken down by portfolio segment as of December 31, 2015 and December 31, 2014. In addition, the table al so provides a rollforward by portfolio segment of the allowance for loan losses for the years ended December 31, 201 5, December 31, 2014 and December 31, 2013 . The detail provided for the amount of the allowance for loan losses and loans individually versus collectively evaluated for impairment (i.e., the specific component versus the general component of the allowance for loan losses) corresponds to the Company’s systematic methodology for estimating its allowance for loan losses. Real Estate Consumer and Installment Commercial and Other Total (In thousands) Allowance for Loan Losses Balance as of January 1, 2013 $ 19,550 $ 76 $ 5,516 $ 25,142 Charge-offs (5,780) (35) (1,458) (7,273) Recoveries 2,292 33 515 2,840 Provision (credit) 2,413 (22) (2,095) 296 Balance as of December 31, 2013 $ 18,475 $ 52 $ 2,478 $ 21,005 Balance as of December 31, 2013 $ 18,475 $ 52 $ 2,478 $ 21,005 Charge-offs (23) (38) (562) (623) Recoveries 1,734 27 333 2,094 Provision (credit) (579) (2) 595 14 Balance as of December 31, 2014 $ 19,607 $ 39 $ 2,844 $ 22,490 Balance as of December 31, 2014 $ 19,607 $ 39 $ 2,844 $ 22,490 Charge-offs (21) (12) (205) (238) Recoveries 284 29 339 652 Provision (credit) 436 15 (355) 96 Balance as of December 31, 2015 $ 20,306 $ 71 $ 2,623 $ 23,000 Balances at December 31, 2015: Allowance for Loan Losses Individually evaluated $ 282 $ - $ 11 $ 293 Collectively evaluated 20,024 71 2,612 22,707 Total $ 20,306 $ 71 $ 2,623 $ 23,000 Loans Individually evaluated $ 23,846 $ 2 $ 2,305 $ 26,153 Collectively evaluated 1,489,211 5,716 293,456 1,788,383 Total $ 1,513,057 $ 5,718 $ 295,761 $ 1,814,536 Balances at December 31, 2014: Allowance for Loan Losses Individually evaluated $ 224 $ 1 $ 2 $ 227 Collectively evaluated 19,383 38 2,842 22,263 Total $ 19,607 $ 39 $ 2,844 $ 22,490 Loans Individually evaluated $ 26,751 $ 25 $ 68 $ 26,844 Collectively evaluated 1,230,289 2,799 281,502 1,514,590 Total $ 1,257,040 $ 2,824 $ 281,570 $ 1,541,434 The following tables provide additional detail with respect to impaired loans broken out according to class as of the dates indicated. The recorded investment included in the following table represents customer balances net of any partial charge-offs recognized on the loans, net of any deferred fees and costs. The unpaid balance represents the recorded balance prior to any partial charge- offs. Interest income recognized may exclude an immaterial am ount of interest income on matured loans that are 90 days or more past due, but that are in the process of being renewed and thus are still accruing . December 31, 2015 Recorded Investment Unpaid Balance Related Allowance Average Recorded Investment YTD Interest Income Recognized YTD (In thousands) Impaired loans with no related allowance: Commercial and residential real estate $ 12,756 $ 14,472 $ - $ 14,194 $ 242 Construction 986 986 - 789 - Commercial - - - 19 - Consumer 271 310 - 307 5 Other 250 588 - 171 - Total $ 14,263 $ 16,356 $ - $ 15,480 $ 247 Impaired loans with a related allowance: Commercial and residential real estate $ 10,232 $ 10,472 $ 268 $ 9,989 $ 388 Construction - - - - - Commercial 1,204 1,220 11 492 18 Consumer 454 529 14 493 13 Other - - - - - Total $ 11,890 $ 12,221 $ 293 $ 10,974 $ 419 Total impaired loans: Commercial and residential real estate $ 22,988 $ 24,944 $ 268 $ 24,183 $ 630 Construction 986 986 - 789 - Commercial 1,204 1,220 11 511 18 Consumer 725 839 14 800 18 Other 250 588 - 171 - Total impaired loans $ 26,153 $ 28,577 $ 293 $ 26,454 $ 666 December 31, 2014 Recorded Investment Unpaid Balance Related Allowance Average Recorded Investment YTD Interest Income Recognized YTD (In thousands) Impaired loans with no related allowance: Commercial and residential real estate $ 15,329 $ 16,874 $ - $ 18,792 $ 220 Construction - - - - - Commercial 93 103 - 265 10 Consumer 374 391 - 297 10 Other 168 615 - 236 - Total $ 15,964 $ 17,983 $ - $ 19,590 $ 240 Impaired loans with a related allowance: Commercial and residential real estate $ 10,274 $ 10,507 $ 201 $ 3,818 $ 425 Construction - - - - - Commercial 67 330 2 248 5 Consumer 539 595 24 673 14 Other - - - 68 - Total $ 10,880 $ 11,432 $ 227 $ 4,807 $ 444 Total impaired loans: Commercial and residential real estate $ 25,603 $ 27,381 $ 201 $ 22,610 $ 645 Construction - - - - - Commercial 160 433 2 513 15 Consumer 913 986 24 970 24 Other 168 615 - 304 - Total impaired loans $ 26,844 $ 29,415 $ 227 $ 24,397 $ 684 The following table s summarize by class loans classified as past due in excess of 30 days or more in addition to those loans classified as nonaccrua l : December 31, 2015 30-89 Days Past Due 90 Days + Past Due and Still Accruing Nonaccrual Total Nonaccrual and Past Due Total Loans, Held for Investment (In thousands) Commercial and residential real estate $ 653 $ - $ 11,905 $ 12,558 $ 1,281,881 Construction - - 986 986 107,185 Commercial 1,147 - 874 2,021 323,598 Consumer 291 - 459 750 66,297 Other - - 250 250 35,575 Total $ 2,091 $ - $ 14,474 $ 16,565 $ 1,814,536 December 31, 2014 30-89 Days Past Due 90 Days + Past Due and Still Accruing Nonaccrual Total Nonaccrual and Past Due Total Loans, Held for Investment (In thousands) Commercial and residential real estate $ 92 $ - $ 11,872 $ 11,964 $ 1,049,057 Construction - - - - 66,618 Commercial 1,080 - 18 1,098 323,977 Consumer 66 - 559 625 60,140 Other 143 - 168 311 41,642 Total $ 1,381 $ - $ 12,617 $ 13,998 $ 1,541,434 If nonaccrual loans outstanding during 2015, 2014 and 2013 had been current in accor dance with their original terms, $586,000 , $657,000 and $1,058,000 would have been recorded in incremental gross interest income during 201 5 , 201 4 and 201 3, respectively. The income recognized on nonaccrual loans prior to impairment during the years ended December 31, 201 5 , 201 4 and 201 3 was $90,000 , $5,000 and $249,000 respectively. During the fourth quarter of 2015 the Company’s largest nonaccrual loan was moved to the cash basis of accounting due to continued receipt of contractual payments and $118,000 of interest income was recognized on this loan. No other cash basis income was recognized in 2015, 2014 or 2013. The Company categorizes loans into risk categories based on relevant information about the ability of a particular borrower to service its debt, such as: current financial information , hi storical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company uses the following definitions for risk ratings, which are consistent with the definitions used in supervisory guidance: Substandard . Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral , if any, pledged to secure the loan . Loans so classified have a well-defined weakness or weaknesses that jeopardize the collection of the debt. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Doubtful . Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. Loans not meeting the criteria above are considered to be non-classified loans. The following table s provide detail for the risk categor ies of loans by class of loans based on the most recent credit analysis performed as of the dates indicated: December 31, 2015 Commercial & Residential Real Estate Construction Commercial Consumer Other Total (In thousands) Non-classified $ 1,260,134 $ 106,184 $ 322,650 $ 65,365 $ 34,194 $ 1,788,527 Substandard 21,567 986 902 923 1,376 25,754 Doubtful - - - - - - Subtotal 1,281,701 107,170 323,552 66,288 35,570 1,814,281 Less: Deferred costs and (fees) 180 15 46 9 5 255 Loans, held for investment, net of deferred costs and fees $ 1,281,881 $ 107,185 $ 323,598 $ 66,297 $ 35,575 $ 1,814,536 December 31, 2014 Commercial & Residential Real Estate Construction Commercial Consumer Other Total (In thousands) Non-classified $ 1,027,792 $ 66,634 $ 322,920 $ 58,941 $ 40,430 $ 1,516,717 Substandard 21,523 - 1,137 1,214 1,222 25,096 Doubtful - - - - - - Subtotal 1,049,315 66,634 324,057 60,155 41,652 1,541,813 Less: Deferred costs and (fees) (258) (16) (80) (15) (10) (379) Loans, held for investment, net of deferred costs and fees $ 1,049,057 $ 66,618 $ 323,977 $ 60,140 $ 41,642 $ 1,541,434 The book balance of TDRs at December 31, 201 5 and December 31, 201 4 was $ 22,391,000 and $ 25,903,000 , respectively. Management established approximately $276,000 and $ 208,000 in specific reserves with respect to these loans as of December 31 , 201 5 and December 31, 201 4 . At December 31, 201 5 the Company had an additional $ 953,000 committed on loans classified as troubled debt restructurings. A t December 31, 201 4 , the Company had additional $1,038,000 committed on loans classified as troubled debt restructurings. During the year ended December 31, 201 5 , the terms of five loans were modified in troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following : the renewal of a loan with a stated interest rate below market; an extension of maturity; or a restructure of payment terms. As a result of these modifications, the Company did not recognize any additional charge-offs during 2015 . During the year ended December 31, 2014 , the terms of 21 loans were modified in troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: the renewal of a loan with a stated interest rate below market; an extension of maturity; or a restructure of payment terms. As a result of these modifications, the Company did not recognize any additional charge-offs during 2014. The following table s present loans by class modified as troubled debt restructurings that occurred during the years indicated : Year Ended December 31, 2015: Troubled Debt Restructurings Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (In thousands) Commercial and residential real estate 1 $ 715 $ 715 Construction - - - Commercial 3 300 300 Consumer 1 2 2 Other - - - Total 5 $ 1,017 $ 1,017 Year Ended December 31, 2014: Troubled Debt Restructurings Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (In thousands) Commercial and residential real estate 13 $ 22,408 $ 22,408 Construction - - - Commercial 3 372 372 Consumer 4 90 90 Other 1 86 86 Total 21 $ 22,956 $ 22,956 A TDR loan is considered to be in payment default once it is 90 days contractually pas t due under the modified terms. A single default occurred on a loan designated as a TDR during 2015 and no charge-offs were recognized as a result of the default. No TDRs defaulted during the year ended December 31, 2014 .

Premises And Equipment

Premises And Equipment	12 Months Ended
	Dec. 31, 2015
Premises And Equipment [Abstract]
Premises And Equipment	(6) Premises and Equipment A summary of the cost and accumulated depreciation and amortization of premises and equipment at December 31 is as follows: 2015 2014 (In thousands) Land $ 11,789 $ 11,782 Buildings 45,568 42,773 Leasehold improvements 5,461 4,699 Equipment and Software 15,009 14,435 Leasehold interest in land 684 684 Subtotal $ 78,511 $ 74,373 Accumulated depreciation and amortization (30,203) (28,436) Total premises and equipment $ 48,308 $ 45,937 Depreciation expense for the years ended December 31, 201 5, 201 4 and 2013 was approximately $2,747,000 , $2,563,000 and $2,097,000 , respectively. Such amounts are classified in occupancy and furniture and equipment expense. Operating Leases: Pursuant to the terms of non-cancelable lease agreements in effect at December 31, 201 5 pertaining to banking premises, future minimum rent commitments under various operating leases are as follows (in thousands): 2016 $ 1,366 2017 1,295 2018 1,129 2019 1,078 2020 1,106 Thereafter 4,477 $ 10,451 Certain leases contain options to extend the lease terms for five to twenty-one years. The cost of such rentals is not included in the above rental commitments. Rent expense for the years ended December 31, 201 5, 201 4 and 2013 was $2,213,000, $2,345,000 and $2,825,000 , respectively .

Other Intangible Assets

Other Intangible Assets	12 Months Ended
	Dec. 31, 2015
Other Intangible Assets [Abstract]
Other Intangible Assets	( 7 ) Other Intangible Assets Other intangible assets with finite lives are amortized over their respective estimated useful lives to their estimated residual values. As of December 31 , 201 5, the Company’s intangible asset s were comprised of its core deposit intangible assets and two customer relationship intangible assets . The Company recognized customer relationship intangible assets as a result of the Bank’s July 2012 and July 2014 acquisitions of PCM and CHIA (Denver-based investment management firms). The following table presents the gross amounts of core deposit intangible assets and customer relationship intangible asset s and the related accumulated amortization at the dates indicated: December 31, Useful Life 2015 2014 (In thousands) Core deposit intangible assets 10 - 15 years $ 62,975 $ 62,975 Core deposit intangible assets accumulated amortization (62,124) (60,708) Core deposit intangible assets, net $ 851 $ 2,267 Customer relationship intangible assets 10 years 5,654 5,654 Customer relationship intangible assets accumulated amortization (1,332) (767) Customer relationship intangible assets, net $ 4,322 $ 4,887 Total other intangible assets, net $ 5,173 $ 7,154 Amortization expense for the years ended December 31, 201 5, 201 4 and 2013 was $1,981,000 , $2,506,000 and $2,818,000 respectively. Estimated amortization expense for the next five years, and thereafter, is as follows (in thousands): Total Fiscal year ending: 2016 $ 958 2017 794 2018 718 2019 641 2020 565 Thereafter 1,497 $ 5,173

Deposits

Deposits	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Deposits	(8 ) Deposits The aggregate amount of time deposits in denominations of $ 250 ,000 or more at December 31, 201 5 and December 31, 2014 was $30,194,000 and $21,626,000 , respectively . At December 31, 2015 and December 31, 20 14, the Bank had $78,403,000 and $38,244,000 , respectively, in brokered time deposits. Reciprocal time deposits at December 31, 2015 were $1,202,000 . No reciprocal time deposits were outstanding on December 31, 2014. At December 31, 201 5 the scheduled maturities of time deposits are as follows (amounts in thousands): 2016 $ 120,876 2017 65,287 2018 40,145 2019 20,571 2020 12,260 $ 259,139

Securities Sold Under Agreement

Securities Sold Under Agreements To Repurchase	12 Months Ended
	Dec. 31, 2015
Securities Sold Under Agreements To Repurchase [Abstract]
Securities Sold Under Agreements to Repurchase	( 9 ) Securities Sold Under Agreements to Repurchase The following is a summary of information pertaining to securities sold under agreement to repurchase at December 31: 2015 2014 (Dollars in thousands) Ending Balance $ 26,477 $ 33,508 Weighted-average interest rate at year-end 0.19 % 0.19 % Securities sold under agreements to repurchase, which are classified as secured borrowings, generally mature within one to four days from the transaction date. Securities sold under agreements to repurchase are reflected at the amount of cash received in connection with the transaction. The Company may be required to provide additional collateral based on the fair value of the underlying security. The securities sold under agreements to repurchase are collateralized by government agency and mortgage-backed securities held by the Company, which had carrying values of $29,059,000 and $40,676,000 at December 31, 201 5 and 201 4 , respectively. Information concerning securities sold under agreements to repurchase is summarized below: Year Ended December 31, 2015 2014 2013 (Dollars in thousands) Average daily balance during the year $ 24,531 $ 24,399 $ 36,357 Average interest rate during the year 0.18 % 0.16 % 0.13 % Maximum month-end balance during the year $ 31,977 $ 33,508 $ 62,021

Federal Home Loan Bank Borrowin

Federal Home Loan Bank Borrowings	12 Months Ended
	Dec. 31, 2015
Federal Home Loan Bank Borrowings [Abstract]
Federal Home Loan Bank Borrowings	( 10 ) Federal Home Loan Bank Borrowings A summary of borrowings is as follows: Principal Interest Rate Maturity Date Total Committed (Dollars in thousands) December 31, 2015 Short-term borrowings: FHLB line of credit $ 185,847 0.48% overnight $ 454,748 Total short-term borrowings $ 185,847 Long-term borrowings: FHLB term notes (fixed rate) 70,000 Range: 0.58% - 2.52% 2016 - 2018 See below FHLB term notes (variable rate) 25,000 0.45% August 5, 2016 See below Total long-term borrowings $ 95,000 Total borrowings $ 280,847 December 31, 2014 Short-term borrowings: FHLB line of credit $ 140,300 0.25% overnight $ 385,584 Total short-term borrowings $ 140,300 Long-term borrowings: FHLB term notes (fixed rate) 20,000 2.52% January 23, 2018 See below Total borrowings $ 160,300 At December 31 , 201 5 , the Company’s outstanding borrowings were $ 280,847,000 as compared to $ 160,300,000 at December 31, 201 4 . These borrowings at December 31, 201 5 consisted of $95,000,000 of term notes and $185,847,000 of advances on our line of credit, both with the Federal Home Loan Ba nk ( the “FHLB”). At December 31, 201 4 , outstanding borrowings consisted of $20,000,000 of term notes and $140,300,000 of advances on our line of credit, both with the FHLB. In the fourth quarter 2014, the Company prepaid $90,000,000 of fixed rate FHLB advances, bearing an average interest rate of 3.07% with original maturities between November 2017 and January 2018. As a result of the prepayment the Company incurred a prepayment penalty of approximately $5,459,000 . The interest rate on the line of credit varies with the federal funds rate, and was 0.48 % at December 31 , 201 5 . The Company has three term notes with the FHLB. Two of the term notes have fixed interest rates, the first a $20,000,000 term note at 2.52% that is payable at its maturity date of January 23, 2018 , with a prepayment penalty if paid prior to maturity and is convertible to floating rate on predetermined conversion dates at the discretion of the FHLB. If the note is converted by the FHLB, the Bank has the option to prepay the note without penalty. If the note is not converted by the FHLB, the note continues to be convertible quarterly thereafter, with the option to convert to floating rate continuing to be at the discretion of the FHLB. The second fixed rate term note of $50,000,000 carries an interest rate of 0.58% and matures June 24, 2016 . The Company also has a $25,000,000 variable rate term note that matures on August 5, 2016 and carries an interest rate that resets quarterly. As of December 31, 2015 the rate on our variable rate term note was set at 0.45% . The Company has an advance, pledge and security agreement with the FHLB and ha d pledged qualifying loans and securities in the amount of $ 454,748,000 at December 31 , 201 5 and $ 385,584,000 at December 31, 201 4 . T he maximum credit allowance for future borrowings, including term notes and advances on the line of credit, was $ 173,901,000 at December 31, 201 5 and $ 225,284,000 at December 31, 201 4 . Information concerning borrowings on the FHLB line of credit is summarized below: Year Ended December 31, 2015 2014 2013 (Dollars in thousands) Average daily balance during the year $ 130,152 $ 48,327 $ 34,570 Average interest rate during the year 0.28 % 0.23 % 0.19 % Maximum month-end balance during the year $ 212,065 $ 140,300 $ 92,568

Income Taxes

Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Income Taxes	(11) Income Taxes The components of the income tax expense (benefit) are as follows: Year Ended December 31, 2015 2014 2013 (In thousands) Current tax expense: Federal $ 7,165 $ 4,116 $ 318 State - - 297 Total current tax expense 7,165 4,116 615 Deferred tax expense Federal 3,132 1,678 5,274 State 973 442 467 Total deferred tax expense 4,105 2,120 5,741 Total tax expense $ 11,270 $ 6,236 $ 6,356 Income tax expense attributable to the income from continuing operations differed from the amounts computed by applying the U.S. federal statutory tax rate to pretax income from operations as a result of the following: Year Ended December 31, 2015 2014 2013 Tax expense at statutory federal rate 35.0 % 35.0 % 35.0 % State tax, net of federal benefit 2.8 % 2.6 % 2.5 % Tax exempt income (4.4) % (6.6) % (6.5) % Other 0.1 % 0.6 % 0.2 % 33.5 % 31.6 % 31.2 % As of December 31, 2015 the Company maintained a current tax receivable of approximately $1,770,000 compared to current taxes receivable at December 31, 2014 of $1,419,000 . The Company’s net deferred tax asset is included in other assets at December 31, 2015 and December 31, 2014. Deferred tax assets and liabilities result from the tax effects of temporary differences between the carrying amount of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes at December 31, 2015 and December 31, 2014 are as follows: 2015 2014 (In thousands) Deferred tax assets: Allowance for loan losses $ 8,742 $ 8,548 Other real estate owned 54 1,428 Other assets and accruals 1,209 2,012 Unrealized loss on available for sale securities 1,106 592 Unrealized loss on securities transferred to held to maturity 906 783 Unrealized loss on cash flow hedges 935 543 Net operating loss, AMT and other tax attribute carryforwards 808 3,427 Intangible assets 806 583 Stock compensation and other 1,237 798 Total deferred tax assets: 15,803 18,714 Deferred tax liabilities: Premises and equipment 4,451 4,241 Core deposit intangibles 323 862 Deferred loan costs 1,527 1,250 FHLB stock, prepaid assets, equity investments and other liabilities 1,590 1,373 Total deferred tax liabilities 7,891 7,726 Deferred tax asset, net $ 7,912 $ 10,988 Realization of deferred tax assets is dependent upon the generation of sufficient future taxable income during the periods in which existing deferred tax assets are expected to become deductible for income tax purposes. Based on projections of future taxable income in periods in which existing deferred tax assets are expected to become deductible, in addition to the support provided by available tax planning strategies, management determined that the realization of the Company’s net deferred tax asset was more likely than not. As a result the Company did not recognize a valuation allowance on its net deferred tax asset as of December 31, 2015 or December 31, 2014. As of December 31, 2015 the Company had utilized both its Federal NOL loss carryforward and Alternative Minimum Tax (“AMT”) Credit carryforward. The federal NOL carryforward was fully utilized during 2014 and as a result there was no remaining federal carryforward as of December 31, 2014. The Company maintained an AMT credit carryforward of $1,827,000 as of December 31, 2014 that was fully utilized during 2015 to offset the Company’s current tax liability. A s of December 31, 2015 the Company’s state net operating loss carryforward was sufficient to offset tax on income of approximately $26,855,000 and expires at various dates from 2029 through 2031 . Deferred tax assets are recognized for net operating losses, subject to a valuation allowance, to the extent that the benefit is more likely than not to be realized. As of both December 31, 2015 and December 31, 2014 the Company maintained an immaterial unrecognized tax benefit. If this benefit were to be recognized tax expense and our effective tax rate would be reduced in future periods. The Company does not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next 12 months.

Subordinated Debentures And Tru

Subordinated Debentures And Trust Preferred Securities	12 Months Ended
	Dec. 31, 2015
Subordinated Debentures And Trust Preferred Securities [Abstract]
Subordinated Debentures and Trust Preferred Securities	(12) Subordinated Debentures and Trust Preferred Securities At December 31, 2015, the Company’s outstanding subordinated debentures (the “Debentures”) were $ 25,774,000 with a weighted average cost of funds of 3.15% compared to $ 25,774,000 and a weighted average cost of funds of 3.06% at December 31, 2014. The Company’s D ebentures were issued in two separate series. Each issuance has a maturity of 30 years from its date of issu ance . The D ebentures were issued to trusts established by the Company, which in turn issued $ 25,000,000 of trust preferred securities (“TruPS”) . Generally , and with certain limitations, the Company is permitted to call the D ebentures subsequent to the first five or ten years, as applicable, after issu ance, if certain conditions are met, or at any time upon the occurrence and continuation of certain changes in either the tax treatment or the capital treatment of the trusts, the D ebenture s or the TruPS. The Guaranty Capital Trust III TruPS became callable at each quarterly interest payment date starting on July 7, 2008. The CenBank Statutory Trust III TruPS became callable at each quarterly interest payment date starting on April 15, 2009. In April 2004, a predecessor to the Company formed CenBank Statutory Trust III and the trust completed an offering of $15,000,000, LIBOR plus 2.65% Cumulative TruPS, which are guaranteed by the Company. The trust also issued common securities to the predecessor of the Company and used the net proceeds from the offering to purchase $15,464,000 in principal amount of floating rate Debentures issued by the predecessor. The Company assumed the predecessor’s obligations relating to such securities upon the acquisition of the predecessor. Interest is paid quarterly and is distributed to the holders of the TruPS. These Debentures were unsecured, ranked junior and were subordinate in right of payment to all senior debt of the Company. The TruPS were subject to mandatory redemption upon repayment of the Debentures. The Company had the right, subject to events of default, to defer payments of interest on the Debentures at any time by extending the interest payment period for a period not exceeding 60 consecutive months with respect to each deferral period, provided that no extension period could extend beyond the redemption or maturity date of the Debentures. The Debentures mature on April 15, 2034 and are callable on each quarterly payment date. In June 2003, a predecessor to the Company formed Guaranty Capital Trust III and the trust completed an offering of $10,000,000, LIBOR plus 3.10% Cumulative TruPS, which are guaranteed by the Company. The trust also issued common securities to the predecessor of the Company and used the net proceeds from the offering to purchase $10,310,000 in principal amount of Debentures issued by the predecessor. The Company assumed the predecessor’s obligations relating to such securities upon the acquisition of the predecessor. Interest is paid quarterly and is distributed to the holders of the TruPS. The other terms and condition of these Debentures are substantially similar to those described under the CenBank Statutory Trust III. The Debentures mature on July 7, 2033 and are callable on each quarterly interest payment date. As of December 31, 2015 , the Company was in compliance with all financial covenants of these D ebentures. Under the terms of each indenture pursuant to which the respective Debentures were issued, the Company has the ability to defer interest on the Debentures for a period not exceeding 60 consecutive months as long as it is in compliance with all covenants of the respective indenture. Such a deferral is not an event of default under each indenture and interest on the Debentures continues to accrue during the deferral period. No interest is being deferred as of December 31, 2015. At December 31, 2015 the Company had accrued, unpaid interest on its Debentures of approximately $208,000 compared to $202,000 at December 31, 2014. Interest payable on Debentures is included in interest payable and other liabilities, on the consolidated balance sheets. The Company is not considered the primary beneficiary of the trusts that issued the TruPS (variable interest entities) ; therefore , the trusts are not consolidated in the Company’s financial statements and the D ebentures are shown as liabilit ies. The Company’s investment in the common stock of each trust is included in other assets in the Company’s c onsolidated b alance s heets. Although the securities issued by each of the trusts are not included as a component of stockholders’ equity in the consolidated balance sheets, they are treated as capital for regulatory purposes. Specifically, under applicable regulatory guidelines, the $25,000,000 of TruPS issued by the trusts qualify as Tier 1 capital, up to a maximum of 25 % of capital on an aggregate basis. Any amount that exceeds 25 % qualifies as Tier 2 capital. At both December 31, 2015, and December 31, 2014, the full $ 25,000,000 of the TruPS qualified as Tier 1 capital. Under the Dodd-Frank Act and the joint rule from the Federal Reserve Board, the OCC , and the FDIC, certain TruP S are no longer eligible to be included as Tier 1 capital for regulatory purposes. However, an exception to this statutory prohibition applies to securities issued prior to May 19, 2010 by bank holding companies with less than $15 billion in total assets. As we have less than $15 billion in total assets and issued all of our TruPS prior to May 19, 2010, our TruPS continue to be eligible to be treated as Tier 1 capital, subject to other rules and limitations. The following table summarizes the terms of each outstanding subordinated debenture issuance at December 31, 2015 (dollars in thousands): Date Issued Amount Maturity Date Call Date * Fixed or Variable Rate Adjuster Current Rate Next Rate Reset Date** CenBank Trust III 4/8/2004 15,464 4/15/2034 4/15/2016 Variable LIBOR + 2.65 % 2.97 % 4/15/2016 Guaranty Capital Trust III 6/30/2003 10,310 7/7/2033 4/7/2016 Variable LIBOR + 3.10 % 3.42 % 4/7/2016 * Call date represents the earliest or next date the Company can call the debentures . ** On January 7, 2016, the rate on the Guaranty Capital Trust III subordinated debentures reset to 3.72% . On January 15, 2016, the rate on the CenBank Trust III subordinated debentures reset to 3.27% .

Commitments

Commitments	12 Months Ended
	Dec. 31, 2015
Commitments [Abstract]
Commitments	( 13 ) Commitments The Bank enters into credit-related financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and commercial letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets. The Bank’ s exposure to credit loss is represented by the contractual amount of these commitments. The Bank follows the same credit policies in making commitments , including obtaining collateral, if necessary, as it does for on-balance sheet instruments. At December 31 of the year indicated the following financial instruments were outstanding whose contract amounts represented credit risk: 2015 2014 (In thousands) Commitments to extend credit: Variable $ 307,463 $ 342,496 Fixed 61,184 41,742 Total commitments to extend credit $ 368,647 $ 384,238 Standby letters of credit $ 8,857 $ 11,474 At December 31, 2015 , the rates on the fixed rate commitments to extend credit ranged from 2.35 % to 6.75 % A c ommitment to extend credit is an agreement to lend to a customer as long as there is no violation of any condition established in the underlying contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Several of the commitments may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. A c ommitment to extend credit under an overdraft protection agreement is a commitment for a possible future extension of credit to an existing deposit customer. These lines of credit are uncollateralized and usually do not contain a specified maturity date and may not be drawn upon to the total extent to which the Bank is committed. Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. The se letters of credit are primarily issued to support public and private borrowing arrangements. A majority of letters of credit issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. The Bank holds collat eral supporting the se commitments if deemed necessary.

Legal Contingencies

Legal Contingencies	12 Months Ended
	Dec. 31, 2015
Legal Contingencies [Abstract]
Legal Contingencies	( 14 ) Legal Contingencies The Company and the Bank are defendants, from time to time, in legal actions at various points of the legal process, including appeals, arising from transactions conducted in the ordinary course of business. Management believes, after consultations with legal counsel that it is not probable that the outcome of current legal actions will result in a liability that has a material adverse effect on the Company’s consolidated financial position, results of operations, comprehensive income or cash flows. In the event that such legal action results in an unfavorable outcome, the resulting liability could have a material adverse effect on the Company’s consolidated financial position, results of operations, comprehensive income or cash flows.

Employee Benefit Plans

Employee Benefit Plans	12 Months Ended
	Dec. 31, 2015
Employee Benefit Plans [Abstract]
Employee Benefit Plans	( 15 ) Employee Benefit Plans Substantially all employees are eligible to participate in the Company’s 401(k) plan. Employees may contribute up to 100% of their compensation subject to certain limits based on federal tax laws. The Company makes matching contributions equal to a specified percentage of the employee’s compensation as defined by the plan. For years ended December 31, 2015, 2014 and 2013, matching contributions to the 401(k) plan were $503,000 , $471,000 and $433,000 , respectively. Stock-Based Compensation Under the Company’s Incentive Plan , which expired by its terms on April 4, 2015, the Company’s Board of Directors had authority to grant stock-based compensation awards prior to the plan’s expiration. Under the 2015 Plan, which was approved by the Company’s stockholders at the May 5, 2015 annual meeting, the Company’s Board of Directors maintains the authority to grant stock-based compensation awards to nonemployee directors, key employees, consultants and prospective employees. S tock-based compensation awards issuable under the Incentive Plan include the grant of stock-based compensation awards in the form of options, restricted stock awards, restricted stock unit awards, performance stock awards, stock appreciation rights and other equity based awards. Likewise, the Incentive Plan provided for, and the 2015 Plan provides, that eligible participants may be granted shares of Company common stock that are subject to forfeiture until the grantee vests in the stock award based on the established conditions, which may include service conditions, established performance measures or both. Prior to the vesting of stock awards that are subject to a service vesting condition, each grantee has the rights of a stockholder with respect to voting the shares of stock represented by the award . The grantee is not entitled to dividend rights with respect to the shares of stock until vesting occurs. Prior to vesting of the stock awards with performance vesting conditions, each grantee has the rights of a stockholder with respect to voting of the shares of stock represented by the award . The recipient is generally not entitled to dividend rights with respect to unvested shares . Other than the stock awards with service and performance - based vesting conditions, no other grants have been made under the Incentive Plan or 2015 Plan . Under the provisions of the 2015 Plan and the Incentive Plan grants of stock-based compensation awards of 935,000 and 1,700,000 shares , respectively, were authorized, subject to adjustments upon the occurrence of certain events. As of December 31 , 2015 there were 21,846 and 568,909 outstanding awards under the 2015 Plan and the Incentive Plan, respectively. As of December 31, 2015 there were 913, 154 shares remaining available for grant under the 2015 Plan . As of December 31, 2014 there were outstanding awards of 620,075 shares granted under the Incentive Plan. Of the 590,755 shares represented by unvested awards at December 31 , 2015, approximately 560,000 shares are expected to vest . At December 31 , 2015, there were 310,339 shares of restricted stock outstanding that were subject to a performance condition. As of December 31, 2015 management expect s that approximately 290,000 of these shares will vest and that the remaining shares will expire unvested. The performance shares that are expected to vest relate to awards granted to various key employees from February 2013 through February 2015. The vesting of these performance shares is contingent upon the meeting of certain return on average a sset performance measures. The performance-based shares awarded in 2013, 2014 and 2015 each include a “threshold” and “target” performance level, with vesting determined based on where actual performance falls in relation to the numeric range represented by these performance criteria. As of December 31, 2015 management expected that approximately 85% of the 2013 performance awards not previously forfeited would vest in February 2016. As of December 31, 2015 management expected that all of the performance awards made in 2014 and 2015 not forfeited from a failure by the grantee to provide the requisite service will vest, which is consistent with the level of expense currently being recognized over the vesting period. Should this expectation change previously recognized expense could be reversed. A summary of the status of unearned stock awards and the change during the period is presented in the table below: Shares Weighted Average Fair Value on Award Date Unearned at January 1, 2015 620,075 $ 12.05 Awarded 166,087 14.61 Forfeited (50,397) 12.75 Vested (145,010) 11.35 Unearned at December 31, 2015 590,755 $ 12.88 The Company recognized $ 2,739,000 , $ 2,454,000 and $1,125,000 in stock-based compensation expense for services rendered for the years ended December 31 , 2015, 2014 and 2013 , respectively. The total income tax benefit recognized for share-based compensation arrangements was $1,041,000 , $933,000 and $428,000 for the years ending December 31, 2015, 2014 and 2013 , respectively. The grant date fair value of restricted stock awards granted in 2015, 2014 and 2013 was $2,427,000 , $5,761,000 and $2,439,000 , respectively. The fair value of vested shares as of the date of vesting were $2,250,000 , $1,704,000 and $1,329,000 in 2015, 2014 and 2013 respectively. At December 31 , 2015 , compensation cost of $ 3,847,000 related to unvested awards not yet recognized is expected to be recognized over a weighted-average period of 1.7 years .

Related-Party Transactions

Related-Party Transactions	12 Months Ended
	Dec. 31, 2015
Related-Party Transactions [Abstract]
Related-Party Transactions	(1 6 ) Related-Party Transactions Deposits from related parties held by the Company at December 31, 201 5 and 201 4 amounted to $2,543,000 and $862,000 , respectively. At December 31, 201 5 the Company had one loan to a related party with a balance of $60,000 . At December 31, 201 4 , the Company had no loans to related parties.

Fair Value Measurements And Fai

Fair Value Measurements And Fair Value Of Financial Instruments	12 Months Ended
	Dec. 31, 2015
Fair Value Measurements And Fair Value Of Financial Instruments [Abstract]
Fair Value Measurements and Fair Value of Financial Instruments	( 17 ) Fair Value Measurements and Fair Value of Financial Instruments Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets. Level 2 - Significant other observable inputs other than Level 1 prices such as quoted prices in markets that are not active, quoted prices for similar assets, or other inputs that are observable, either directly or indirectly, for substantially the full term of the asset. Level 3 - Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. Transfers of financial instruments between levels within the fair value hierarchy are recognized on the date management determines that the underlying circumstances or assumptions have changed. Fair values of our securities are determined through the utilization of evaluated pricing models that vary by asset class and incorporate available market information (Level 2). The evaluated pricing models apply available information, as applicable, through processes such as benchmark curves, benchmarking of like securities, sector groupings, and matrix pricing to prepare evaluations. These models assess interest rate impact, develop prepayment scenarios and take into account market conventions. For securities where routine valuation techniques are not used, management utilizes a discounted cash flow model with market-adjusted discount rates or other unobservable inputs to estimate fair value. Due to the lack of ratings available on these securities, management determined that a relationship to other benchmark quoted securities was unobservable and as a result these securities should be classified as Level 3 (Level 3 inputs). The valuation of the Company’s Level 3 bonds is highly sensitive to changes in unobservable inputs. Currently, the Company uses interest rate swaps to manage interest rate risk. The fair value of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash payments (or receipts) and the discounted expected variable cash receipts (or payments). The variable cash receipts (or payments) are based on the expectation of future interest rates (forward curves) derived from observed market interest rate curves (Level 2 inputs). The Company considers the value of the swaps to be sensitive to fluctuations in interest rates. Financial Assets and Liabilities Measured on a Recurring Basis Assets and liabilities measured at fair value on a recurring basis are summarized below: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Balance (In thousands) Assets/(Liabilities) at December 31, 2015 State and municipal securities $ - $ 2,673 $ 32,040 $ 34,713 Mortgage-backed securities – agency / residential - 129,017 - 129,017 Mortgage-backed securities – private / residential - 274 - 274 Trust preferred securities - 17,806 - 17,806 Corporate securities - 65,291 - 65,291 Collateralized loan obligations - 8,330 8,330 Interest rate swaps - cash flow hedge - (2,558) - (2,558) Assets/(Liabilities) at December 31, 2014 State and municipal securities $ - $ 17,082 $ 32,317 $ 49,399 Mortgage-backed securities – agency / residential - 201,902 - 201,902 Mortgage-backed securities – private / residential - 412 - 412 Asset-backed securities - 8,708 - 8,708 Trust preferred securities - 18,075 - 18,075 Corporate securities - 64,717 - 64,717 Collateralized loan obligations - 2,933 2,933 Interest rate swaps - cash flow hedge - (1,526) - (1,526) There were no transfers of financial assets and liabilities among Level 1, Level 2 and Level 3 during 2015 or 2014. The table be low presents a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2015 : State and Municipal Securities (In thousands) Beginning balance December 31, 2014 $ 32,317 Total unrealized gains (losses) included in: Net income 3 Other comprehensive income (loss) - Sales, calls and prepayments - Transfer to held to maturity (280) Transfers in and (out) of Level 3 - Balance December 31, 2015 $ 32,040 For the year ended December 31, 2015, there was no comprehensive income or loss for assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) as a result of consistent mark-to-market valuations at December 31, 201 5 and December 31, 201 4. For the years ended December 31, 2015 and December 31, 2014, the amounts included in net income include accretion of any discount on these Level 3 bonds. The table be low presents a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2014 : State and Municipal Securities (In thousands) Beginning balance December 31, 2013 $ 24,167 Total unrealized gains (losses) included in: Net income (loss) 3 Other comprehensive income (loss) 477 Sales, calls and prepayments (250) Purchase of Level 3 investment 7,920 Balance December 31, 2014 $ 32,317 For the year ended December 31, 201 4 , the entire amount of other comprehensive income for assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) consisted of changes in unrealized gains and losses on the mark-to-market of securities designated as available for sale. The following tables present quantitative information about Level 3 fair value measurements on the Company’s state and municipal securities at December 31, 201 5 and December 31, 2014 : December 31, 2015 Fair Value Valuation Technique Unobservable Inputs Range (In thousands) State and municipal securities $ 32,040 discounted cash flow discount rate 2.05% - 4.75% Total $ 32,040 December 31, 2014 Fair Value Valuation Technique Unobservable Inputs Range (In thousands) State and municipal securities $ 32,037 discounted cash flow discount rate 1.75% - 4.75% State and municipal securities 280 matrix pricing discount rate or yield N/A* Total $ 32,317 * The Company relies on a third party pricing service to value unrated municipal securities. Because of the lack of credit ratings, management considers the relationship between rates on these securities and benchmarks rates to be unobservable. The unobservable adjustments used by the third party pricing service were not readily available. Financial Assets and Liabilities Measured on a Nonrecurring Basis Financial assets and liabilities measured at fair value on a nonrecurring basis were not material as of December 31, 2015 and December 31, 2014. Nonfinancial Assets and Liabilities Measured on a Nonrecurring Basis Nonfinancial assets and liabilities measured at fair value on a nonrecurring basis were not significant as of December 31, 2015 and December 31, 2014. Fair Value of Financial Instruments The estimated fair values, and related carrying amounts, of the Company’s financial instruments are as follows: Fair Value Measurements at December 31 2015: Carrying Amount Level 1 Level 2 Level 3 Total (In thousands) Financial assets: Cash and cash equivalents $ 26,711 $ 26,711 $ - $ - $ 26,711 Securities available for sale 255,431 - 223,391 32,040 255,431 Securities held to maturity 148,761 - 145,698 4,424 150,122 Bank stocks 20,500 n/a n/a n/a n/a Loans held for investment, net 1,791,536 - - 1,791,128 1,791,128 Accrued interest receivable 6,554 - 6,554 - 6,554 Financial liabilities: Deposits $ 1,801,845 $ - $ 1,800,112 $ - $ 1,800,112 Federal funds purchased and sold under agreements to repurchase 26,477 - 26,477 - 26,477 Short-term borrowings 185,847 - 185,847 - 185,847 Subordinated debentures 25,774 - - 18,640 18,640 Long-term borrowings 95,000 - 95,353 - 95,353 Accrued interest payable 508 - 508 - 508 Interest rate swap - cash flow hedge 2,502 - 2,502 - 2,502 Fair Value Measurements at December 31, 2014: Carrying Amount Level 1 Level 2 Level 3 Total (In thousands) Financial assets: Cash and cash equivalents $ 32,441 $ 32,441 $ - $ - $ 32,441 Securities available for sale 346,146 - 313,829 32,317 346,146 Securities held to maturity 88,514 - 86,551 4,258 90,809 Bank stocks 14,822 n/a n/a n/a n/a Loans held for investment, net 1,518,944 - - 1,511,289 1,511,289 Accrued interest receivable 5,934 - 5,934 - 5,934 Financial liabilities: Deposits $ 1,685,324 $ - $ 1,684,011 $ - $ 1,684,011 Federal funds purchased and sold under agreements to repurchase 33,508 - 33,508 - 33,508 Short-term borrowings 140,300 - 140,300 - 140,300 Subordinated debentures 25,774 - - 18,351 18,351 Long-term borrowings 20,000 - 20,735 - 20,735 Accrued interest payable 375 - 375 - 375 Interest rate swap - cash flow hedge 1,526 - 1,526 - 1,526 The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. H owever, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. Certain financial instruments and all nonfinancial instruments are excluded from the disclosure requirements. Therefore, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The following methods and assumptions are used by the Company in estimating fair value disclosures for financial instruments: (a) Cash and Cash Equivalents The carrying amounts of cash and short-term instruments approximate fair values (Level 1) . (b) Securities and Bank Stocks Fair values for securities available for sale and held to maturity are generally determined through the utilization of evaluated pricing models that vary by asset class and incorporate available market information (Level 2). The evaluated pricing models apply available information, as applicable, through processes such as benchmark curves, benchmarking of like securities, sector groupings, and matrix pricing to prepare evaluations. These models assess interest rate impact, develop prepayment scenarios and take into account market conventions. For positions that are not traded in active markets or are subject to transfer restrictions (i.e., bonds valued with Level 3 inputs), management uses a combination of reviews of the underlying financial statements, appraisals and management’s judgment regarding credit quality and intent to sell in order to determine the value of the bond. It is not practical to determine the fair value of bank stocks due to restrictions placed on the transferability of FHLB stock, Federal Reserve Bank stock and Bankers’ Bank of the West stock. These three stocks comprise the majority of the balance of the Company’s bank stocks . ( c ) Loans Held for Investment For variable rate loans that reprice frequently and with no significant change in credit risk, fair values are based on carrying values (Level 3) . Fair values for other loans (e.g., commercial real estate and investment property mortgage loans, commercial loans) are estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality (Level 3) . Impaired loans are valued at the lower of cost or fair value when specific reserves are attributed to these loans because the present value of expected cash flows or the net realizable value of collateral is less than the impaired loan’s recorded investment . The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. ( d ) Loans Held for Sale L oans held for sale are carried at the lower of cost or fair value, with fair value determined by the sales price agreed upon in negotiations with the purchaser (Level 1). ( e ) Deposits The fair values of demand deposits (e.g., interest and non-interest checking, passbook savings, and certain types of money market accounts) are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) (Level 2) . The carrying amounts of variable rate, fixed-term money market accounts and certificates of deposit approximate their fair values at the reporting date (Level 2) . Fair values for fixed rate certificates of deposit are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities on time deposits (Level 2) . ( f ) Short-term Borrowings The carrying amounts of federal funds purchased, borrowings under repurchase agreements, and other short-term borrowings maturing within ninety days approximate their fair values (Level 2) . ( g ) Long-term Borrowings The fair values of the Company’s long-term borro wings are estimated using discounted cash flow analyses based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements (Level 2) . ( h ) Subordinated Debentures The fair values of the Company’s Subordinated Debentures are estimated using discounted cash flow analyses based on the Company’s current incremental borrowing rates for similar types of borrowing arrangements (Level 3) . ( i ) Accrued Interest Receivable/Payable The carrying amounts of accrued interest approximate fair value (Level 2). ( j ) Interest Rate Swaps, net The fair value of interest rate swaps are determined using the market standard methodology of netting the discounted future fixed cash payments (or receipts) and the discounted expected variable cash receipts (or payments). The variable cash receipts (or payments) are based on the expectation of future interest rates (forward curves) derived from observed market interest rate curves (Level 2). ( k ) Off-balance Sheet Instruments Fair values for off-balance sheet, credit-related financial instruments are bas ed on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. The fair value of commitments is not material .

Derivatives And Hedging Activit

Derivatives And Hedging Activities	12 Months Ended
	Dec. 31, 2015
Derivatives And Hedging Activities [Abstract]
Derivative And Hedging Activities	(18) Derivatives and Hedging Activities The Company is exposed to certain risks arising from both its business operations and economic conditions. The Company principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Company utilizes derivative financial instruments to assist in the management of interest rate risk, primarily helping to secure long-term borrowing rates. Specifically, the Company enters into derivative financial instruments to manage exposures that arise from business activities that result in the payment or receipt of future known and uncertain cash amounts, the value of which are determined by interest rates. The Company’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Company’s known or expected cash payments or receipts principally related to certain variable-rate borrowings. The Company does not use derivatives for trading or speculative purposes. The table below presents the fair value of the Company’s derivative financial instruments as well as their classification on the consolidated balance sheet as of December 31, 2015 and December 31, 2014: Balance Sheet Fair Value December 31, Location 2015 2014 (In thousands) Derivatives designated as hedging instruments Assets: Interest rate swaps Other assets $ - $ - Liabilities: Interest rate swaps Other liabilities $ 2,558 $ 1,526 The Company’s objectives in using interest rate derivatives are to add stability and predictability to interest expense and to manage the Company’s exposure to interest rate movements. To accomplish this objective, the Company primarily uses interest rate swaps as part of its interest rate risk management strategy. For hedges of the Company’s variable-rate borrowings, interest rate swaps designated as cash flow hedges involve the receipt of variable amounts from a counterparty in exchange for the Company making fixed payments. As of December 31 , 2015 and December 31, 2014 the Company had two interest rate swaps with an aggregate notional amount of $50,000,000 that were each designated as a cash flow hedge associated with the Company’s forecasted variable-rate borrowings. T he first $25,000,000 swap bec a m e effective in June 2015 at a fixed rate of 2.46% and matur es in June 2020 . The second $25,000,000 swap will become effective in March 2016 at a fixed rate of 3.00% with a maturity date of March 2021 . Summary information about the interest-rate swaps designated as cash flow hedges as of December 31, 2015 and December 31, 2014 is included in the table below: 2015 2014 (Dollars in thousands) Notional amounts $ 50,000 $ 50,000 Weighted average pay rates 2.73 % 2.73 % Weighted average receive rates 3 month LIBOR 3 month LIBOR Weighted average maturity 4.9 years 5.9 years Unrealized gains (losses) $ (2,558) $ (1,526) The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in AOCI and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings. The Company’s cash flow hedges are used to hedge the forecasted variable cash outflows associated with forecasted issuances of FHLB advances. During 2015 , 2014 , and 2013 , the income statement effect of hedge ineffectiveness was not material. Amounts reported in AOCI related to derivatives will be reclassified to interest expense as interest payments are made on the Company’s variable-rate liabilities. Management expects that, during the next 12 months approximately $847,000 will be reclassified from AOCI into interest expense. The Company executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Company executes with another third party, such that the Company minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. The impact of these customer interest rate swaps on the Company’s financial statements was not material for any periods covered by this report. The table below presents the effect of the Company’s derivative financial instruments on both comprehensive income and net income for the years ended December 31, 2015 and December 31, 2014: Income Interest Rate Swaps with Statement December 31, Hedge Designation Location 2015 2014 Gain or (loss) recognized in OCI on Derivative – net of tax Not applicable $ (775) $ (1,234) (Gain) or loss reclassified from accumulated OCI into income (effective portion) – net of tax Interest expense 135 - The Company has agreements with its derivative counterparties that contain a cross-default provision whereby if the Company defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Company could also be declared in default on its derivative obligations. The Company has minimum collateral posting thresholds with certain of its derivative counterparties, and has posted $ 5,052,000 against its obligations under these agreements. If the Company had breached any of these provisions at December 31 , 2015, it could have been required to settle its obligations under the agreements at the termination value.

Regulatory Capital Matters

Regulatory Capital Matters	12 Months Ended
	Dec. 31, 2015
Regulatory Capital Matters [Abstract]
Regulatory Capital Matters	( 19 ) Regulatory Capital Matters The Holding Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weighting, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Holding Company and the Bank to maintain minimum amounts and ratios (set forth in the following table) of Common Equity Tier 1 capital, Total and Tier 1 capital to risk-weighted assets, and Tier 1 capital to average assets. Management believes that the Holding Company and the Bank met all capital adequacy requirements to which they are subject. The Company’s and the Bank’s actual capital amounts and ratios as of both December 31, 201 5 and December 31, 201 4 are presented in the table below : Actual Minimum Capital Requirement Minimum Requirement for "Well-Capitalized" Institution Amount Ratio Amount Ratio Amount Ratio Dollars in thousands As of December 31, 2015: Common Equity Tier 1 Risk-Based Capital Ratio Consolidated $ 224,305 10.94 % $ 92,237 4.50 % $ N/A N/A Guaranty Bank and Trust Company 245,054 11.96 % 92,194 4.50 % 133,169 6.50 Tier 1 Risk-Based Capital Ratio Consolidated 248,283 12.11 % 122,983 6.00 % N/A N/A Guaranty Bank and Trust Company 245,054 11.96 % 122,925 6.00 % 163,900 8.00 % Total Risk-Based Capital Ratio Consolidated 271,404 13.24 % 163,977 8.00 % N/A N/A Guaranty Bank and Trust Company 268,176 13.09 % 163,900 8.00 % 204,875 10.00 % Leverage Ratio Consolidated 248,283 10.68 % 92,962 4.00 % N/A N/A Guaranty Bank and Trust Company 245,054 10.55 % 92,916 4.00 % 116,145 5.00 % As of December 31, 2014: Tier 1 Risk-Based Capital Ratio Consolidated $ 228,745 12.60 % $ 72,622 4.00 % N/A N/A Guaranty Bank and Trust Company 223,619 12.33 % 72,549 4.00 % $ 108,823 6.00 % Total Risk-Based Capital Ratio Consolidated 251,366 13.85 % 145,245 8.00 % N/A N/A Guaranty Bank and Trust Company 246,240 13.58 % 145,097 8.00 % 181,371 10.00 % Leverage Ratio Consolidated 228,745 11.10 % 82,442 4.00 % N/A N/A Guaranty Bank and Trust Company 223,619 10.86 % 82,356 4.00 % 102,945 5.00 %

Parent Company Only Condensed F

Parent Company Only Condensed Financial Information	12 Months Ended
	Dec. 31, 2015
Parent Company Only Condensed Financial Information [Abstract]
Parent Company Only Condensed Financial Information	( 20 ) Parent Company Only Condensed Financial Information The following is condensed financial information of Guaranty Bancorp (parent company only): Balance Sheets (Parent Company Only) December 31, 2015 and 2014 2015 2014 (In thousands) Assets Cash $ 3,739 $ 4,670 Investments in subsidiaries 242,320 226,813 Other assets 2,827 2,619 Total assets $ 248,886 $ 234,102 Liabilities and Stockholders' Equity Liabilities: Subordinated debentures $ 25,774 $ 25,774 Other liabilities 1,473 1,389 Total liabilities 27,247 27,163 Stockholders' equity: Common stock 24 24 Common stock - additional paid-in capital 712,310 709,341 Accumulated deficit (382,147) (396,172) Accumulated other comprehensive loss (4,805) (3,127) Treasury stock (103,743) (103,127) Total stockholders' equity 221,639 206,939 Total liabilities and stockholders' equity $ 248,886 $ 234,102 Statements of Income and Comprehensive Income (Parent Company Only) Years Ended December 31, 2015, 2014 and 2013 2015 2014 2013 (In thousands) Income: Management fee - subsidiary bank $ 5,129 $ 4,466 $ 3,933 Dividends from subsidiary bank 8,400 - 17,086 Other 28 41 55 Total income 13,557 4,507 21,074 Expenses: Interest expense 814 800 1,122 Salaries and benefits 3,325 3,155 2,402 Professional services 1,779 1,917 1,824 Other 953 813 1,486 Total expenses 6,871 6,685 6,834 Income (loss) before federal income taxes and equity in undistributed net income of subsidiaries 6,686 (2,178) 14,240 Income tax benefit 495 822 1,073 Income (loss) before equity in undistributed net income of subsidiaries 7,181 (1,356) 15,313 Equity in undistributed income of subsidiaries 15,273 14,868 (1,284) Net income $ 22,454 $ 13,512 $ 14,029 Other Comprehensive Income (Loss) (1,678) 5,827 (12,119) Total Comprehensive Income $ 20,776 $ 19,339 $ 1,910 Statements of Cash Flow (Parent Company Only) Years Ended December 31, 2015, 2014 and 2013 2015 2014 2013 (In thousands) Cash flows from operating activities: Net income $ 22,454 $ 13,512 $ 14,029 Reconciliation of net income to net cash from operating activities: Equity based compensation 990 817 407 Net change in: Other assets (168) 4,165 (544) Other liabilities 84 156 (326) Equity in undistributed income of consolidated subsidiaries (15,273) (14,868) 1,284 Prepayment penalty on debt extinguishment - - 629 Net cash from operating activities 8,087 3,782 15,479 Cash flows from investing activities: Net cash used by investing activities - - - Cash flows from financing activities: Repurchase of common stock (616) (455) (275) Tax effect of restricted stock vesting 27 - - Redemption of subordinated debentures - - (16,094) Dividends paid (8,429) (4,190) (1,566) Net cash used by financing activities (9,018) (4,645) (17,935) Net change in cash and cash equivalents (931) (863) (2,456) Cash and cash equivalents, beginning of year 4,670 5,533 7,989 Cash and cash equivalents, end of year $ 3,739 $ 4,670 $ 5,533

Quarterly Results Of Operations

Quarterly Results Of Operations	12 Months Ended
	Dec. 31, 2015
Quarterly Results Of Operations [Abstract]
Quarterly Results Of Operations	( 21 ) Quarterly Results of Operations (Unaudited) 2015 Quarterly Results of Operations Quarter Ended December 31, September 30, June 30, March 31, 2015 2015 2015 2015 (In thousands, except share data) Interest income $ 21,454 $ 20,863 $ 20,159 $ 19,854 Interest expense 1,598 1,457 1,219 1,077 Net interest income 19,856 19,406 18,940 18,777 Provision (credit) for loan losses (8) 14 113 (23) Net interest income after provision for loan losses 19,864 19,392 18,827 18,800 Noninterest income 4,262 4,399 4,404 4,115 Noninterest expense 15,247 14,866 14,956 15,270 Income before income taxes 8,879 8,925 8,275 7,645 Income tax expense 2,988 2,923 2,798 2,561 Net income $ 5,891 $ 6,002 $ 5,477 $ 5,084 Basic earnings per common share $ 0.28 $ 0.28 $ 0.26 $ 0.24 Diluted earnings per common share $ 0.28 $ 0.28 $ 0.26 $ 0.24 Loan growth, increases in deposits and increases in borrowings during 2015 contributed to increased interest income and increased interest expense. 2014 Quarterly Results of Operations Quarter Ended December 31, September 30, June 30, March 31, 2014 2014 2014 2014 (In thousands, except share data) Interest income $ 19,384 $ 19,529 $ 18,726 $ 17,881 Interest expense 1,704 1,720 1,661 1,622 Net interest income 17,680 17,809 17,065 16,259 Provision (credit) for loan losses (1) (3) 24 (6) Net interest income after provision for loan losses 17,681 17,812 17,041 16,265 Noninterest income 4,862 4,338 3,837 3,658 Noninterest expense 21,034 15,159 14,915 14,638 Income before income taxes 1,509 6,991 5,963 5,285 Income tax expense 294 2,320 1,879 1,743 Net income $ 1,215 $ 4,671 $ 4,084 $ 3,542 Basic earnings per common share $ 0.06 $ 0.22 $ 0.19 $ 0.17 Diluted earnings per common share $ 0.06 $ 0.22 $ 0.19 $ 0.17 Loan growth during 2014 resulted in increased interest income. Noninterest income increased during 2014 as a result of increases in investment management and trust fees, gains on sales of SBA loans, and increased earnings on BOLI. In the fourth quarter 2014, the Company prepaid $90,000,000 of fixed rate FHLB term advances and incurred a prepayment penalty of approximately $5,459,000 .

Summary of Significant Accoun31

Summary of Significant Accounting Policies (Policy)	12 Months Ended
	Dec. 31, 2015
Summary of Significant Accounting Policies [Abstract]
Nature of Operations and Principles of Consolidation	( a ) Nature of Operations and Principles of Consolidation The Bank is a full-service community bank offering an array of banking products and services to the communities it serves along the Front Range of Colorado, including accepting time and demand deposits and originating commercial loans, commercial and residential real estate loans , Small Business Administration (“SBA”) guaranteed loans and consumer loans. The Bank together with its wholly owned subsidiaries, Private Capital Management, LLC (“PCM”) and Cherry Hills Investment Advisors, Inc. (“CHIA”), provide wealth management services, including private banking, investment management and trust services. Substantially all of the Bank’s loans are secured by specific items of collateral, including business assets, commercial and residential real estate, which include land or improved land and consumer assets. Commercial loans are expected to be repaid from cash flow from the operations of businesses that have taken out the loans. There are no significant concentrations of loans to any one industry or customer. The accounting and reporting policies of the Company conform to generally accepted accounting principles in the United States of America. All material intercompany balances and transactions have been eliminated in consolida tion. The Company’s financial statements reflect all adjustments that are, in the opinion of management, necessary for a fair presentation of its financial position and results of operations for the periods presented.
Use of Estimates	(b) Use of Estimates The preparation of the consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the dates of the consolidated balance sheets and income and expense for the periods presented. Actual results could differ significantly from those estimates.
Cash Flows	(c) Cash Flows Cash and cash equivalents on the Company’s consolidated balance sheets include cash-on-hand , balances due from banks and interest-bearing deposits in other financial institutions that have an original maturity of three months or less and are carried at cost. Net cash flows are reported for customer loan and deposit transactions, interest-bearing deposits in other financial institutions, short-term borrowings, federal funds purchased and repurchase agreements.
Time Deposits with Banks	(d) Time Deposits with Banks The Company may invest in short term, fully insured time deposits with other banks through the Certificate of Deposit Account Registry Service.
Securities	(e) Securities S ecurities are classified as held to maturity and carried at amortized cost when management has the positive intent and ability to hold them to maturity. S ecurities not classified as held to maturity are classified as available for sale. Securities available for sale are carried at fair value, with unrealized holding gains and losses reported in other comprehensive income, net of tax. Interest income includes amortization of purchase premium or discount. Premiums and discounts on securities are amortized according to the effective interest method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Management evaluates securities for other-than-temporary impairment (“OTTI”) on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss and the financial condition and near-term prospects of the issuer. Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as an impairment through earnings. The investments in bank stocks are reviewed by management quarterly for potential OTTI. This quarterly review considers the credit quality of the institution, the institution’s ability to repurchase shares and the Company’s carrying value in the shares relative to the share’s book value. Based on these reviews, management concluded that there was no impairment during 201 5 , 201 4 and 201 3 .
Loans and Loan Commitments	(f) Loans and Loan Commitments The Company extends commercial, real estate, agricultural and consumer loans to customers. A substantial portion of the loan portfolio consists of commercial and real estate loans throughout the Front Range of Colorado. The ability of the Company’s borrowers to honor their contracts is generally dependent upon the real estate and general economic conditions prevailing in Colorado, among other factors. Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding unpaid principal balances, adjusted for charge-offs, the allowance for loan losses and any deferred fees or costs. Accounting for loans is performed consistently across all portfolio segments and classes. A portfolio segment is defined in accounting guidance as the level at which an entity develops and documents a systematic methodology to determine its allowance for loan losses. A class is defined in accounting guidance as a group of loans having similar initial measurement attributes, risk characteristics and methods for monitoring and assessing risk. Interest income is accrued on the unpaid principal balance of the Company’s loans. Loan origination fees, net of direct origination costs, are deferred and recognized as an adjustment to the related loan yield using the effective interest method without anticipating prepayments. The accrual of interest on loans is discontinued (and the loan is put on nonaccrual status) at the time the loan is 90 days past due unless the loan is well secured and in process of collection. The time at which a loan enters past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off prior to the date on which they would otherwise enter past due status if collection of principal or interest is considered doubtful. The interest on a nonaccrual loan is accounted for using the cost-recovery or cash-basis method, until the loan qualifies for a return to the accrual-basis method. Under the cost-recovery method, interest income is not recognized until the loan balance is reduced to zero, with payments received being applied first to the principal balance of the loan. Under the cash-basis method, interest income is recognized when the payment is received in cash. A loan is returned to accrual status after the delinquent borrower’s financial condition has improved, when all the principal and interest amounts contractually due are brought current and when the likelihood of the borrower making future timely payments are reasonably assured. Financial instruments include off ‑balance sheet credit instruments, such as commitments to make loans and commercial letters of credit issued to meet customer financing needs. The face amount of each item represents the Company’s total exposure to loss with respect to the item before considering customer collateral or ability to repay. Such financial instruments are recorded when they are funded .
Allowance for Loan Losses and Allowance for Unfunded Commitments	(g) Allowance for Loan Losses and Allowance for Unfunded Commitments The allowance for loan losses or “the allowance” is a valuation allowance for probable incurred loan losses and is reported as a reduction of outstanding loan balances. Management evaluates the amount of the allowance on a regular basis based upon its periodic review of the collectability of the Company’s loans. Factors affecting the collectability of the loans include historical loss experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrowers’ ability to repay, the estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available. Management maintains the allowance at a level that it deems appropriate to adequately provide for probable incurred losses in the loan portfolio and other extensions of credit. The Company’s methodology for estimating the allowance is consistent across all portfolio segments and classes of loans. Loans deemed to be uncollectible are charged- off and deducted from the allowance. The Company’s loan portfolio primarily consists of non-homogeneous commercial and real estate loans where charge-offs are considered on a loan-by-loan basis based on the facts and circumstances, including management’s evaluation of collateral values in comparison to book values on collateral-dependent loans. Charge-offs on smaller balance unsecured homogenous type loans such as overdrafts and ready reserves are recognized by the time the loan in question is 90 days past due. The provision for loan losses and recoveries on loans previously charged-off are added to the allowance. The allowance consists of both specific and general components. The specific component relates to loans that are individually classified as impaired. All loans are subject to individual impairment evaluation should the pertinent facts and circumstances suggest that such evaluation is necessary. Factors considered by management in determining impairment include the loan’s payment status and the probability of collecting scheduled principal and interest payments when they become due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the original underlying loan agreement. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is impaired, a portion, if any, of the allowance is allocated so that the loan is reported at the present value of estimated future cash flows using the loan’s original contractual rate or at the fair value of collateral , less estimated selling costs, if repayment is expected solely from collateral. Troubled debt restructurings (“TDRs”) are separately identified for impairment disclosures. If a TDR is considered to be a collateral-dependent loan, the loan is reported at the fair value of the collateral, less estimated selling costs. Likewise, if a TDR is not collateral-dependent, impairment is measured by the present value of estimated future cash flows using the loan’s effective rate at inception. For TDRs that subsequently default, the Company determines the amount of reserve in accordance with its accounting policy for the allowance. The general component of the allowance covers all other loans not specifically identified as impaired and is determined by calculating losses recognized by portfolio segment during the current credit cycle and adjusted based on management’s evaluation of various qualitative factors . In performing this calculation, loans are aggregated into one of three portfolio segments: Real Estate, Consumer and Co mmercial & Other. An assessment of risks impacting loans in each of these portfolio segments is performed and qualitative adjustment factors, which will adjust the historical loss rate , are estimated. These qualitative adjustment factors consider current conditions relative to conditions present throughout the current credit cycle in the following areas: credit quality, loan class concentration levels, economic conditions, loan growth dynamics and organizational conditions. The histo r ical loss experience is adjusted for management’s estimate of the impact of these factors based on the risks present for each portfolio segment. The Company recognizes a liability in relation to unfunded commitments that is intended to represent the estimated future losses on commitments. In calculating the amount of this liability, management considers the amount of the Company’s off-balance sheet commitments, estimated utilization factors and loan specific risk factors. The Company’s liability for unfunded commitments is calculated quarterly and the liability is included under “other liabilities” in the consolidated balance sheet.
Loans Held for Sale	( h ) Loans Held for Sale P articular loans may be considered “held for sale” as of the Company’s balance sheet date. The Company routinely sells SBA guaranteed loans, and h istorically has designated select classified or nonaccrual loans as held-for-sale as part of its strategy to dispose of these non-earning assets. Once the decision is made to sell a loan , the loan is designated as held for sale and carried at the lower of cost or fair value, with any required write-down being taken at the time of the reclassification.
Transfers of Financial Assets	(i) Transfers of Financial Assets Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from the Company, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and the Company does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Other Real Estate Owned and Foreclosed Assets	(j) Other Real Estate Owned and Foreclosed Assets Assets acquired through, or in lieu of, loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. If the asset’s fair value declines subsequent to the asset’s acquisition, a valuation allowance is recorded through expense. Operating revenues and expenses of these assets and reductions in the fair value of the assets are included in noninterest expense. Gains and losses on their disposition are also included in noninterest expense.
Premises and Equipment	(k) Premises and Equipment Land is carried at cost. Buildings, equipment and software are carried at cost, less accumulated depreciation and amortization computed on the straight-line method over the useful life of the asset. Leasehold improvements are depreciated over the shorter of their estimated useful life or the lease term. Buildings and leasehold improvements carry an estimated useful life of five to 40 years and equipment and software carry an estimated useful life of one to 15 years. Repairs and maintenance are charged to noninterest expense as incurred.
Bank Stocks	(l) Bank Stocks The Bank is a member of the Federal Home Loan Bank (FHLB) system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. The Bank also owns Federal Reserve Bank (FRB) stock and Banker’s Bank of the West (BB W) stock. FHLB, FRB and BB W stock is carried at cost, classified as a restricted security, and periodically reviewed for impairment based on the likelihood of ultimate recovery of par value. Both cash and stock dividends are reported as income.
Other Intangible Assets	( m ) Other Intangible Assets Intangible assets acquired in a business combination are amortized over their estimated useful lives to their estimated residual values and evaluated for impairment whenever changes in circumstances indicate that such an evaluation is necessary. Core deposit intangible assets (“CDI assets”) are recognized at the time of their acquisition based on valuations prepared by independent third parties or other estimates of fair value. In preparing such valuations, management considers variables such as deposit servicing costs, attrition rates, and market discount rates. CDI assets are amortized to expense over their useful lives, ranging from 10 years to 15 years. Customer relationship intangible assets are recognized at the time of their acquisition based upon management’s estimate of their fair value. In preparing such valuations, management considers variables such as growth in existing customer base, attrition rates and market discount rates. The customer relationship intangible asset s are amortized to expense over their estimated useful life, which has been estimated to be ten years. As of December 31, 2015 the Company had recognized two custome r relationship intangible assets as a result of the acquisition of PCM on July 31, 2012 and CHIA on July 16, 2014 .
Impairment of Long-Lived Assets	(n) Impairment of Long-Lived Assets Long-lived assets, such as premises and equipment, and finite-lived intangible assets subject to amortization, are reviewed for impairment whenever events or changes in circumstances indicate that the carrying value of an asset may not be recoverable. The recoverability of assets to be held and used is measured by a comparison of the carrying value of the asset to the estimated undiscounted future cash flows expected to be generated by the asset. If the carrying value of an asset exceeds its estimated undiscounted future cash flows, an impairment charge is recognized by the amount by which the carrying value of the asset exceeds the fair value of the asset, less costs to sell. Assets to be disposed of are reported at the lower of their carrying value or fair value less costs to sell, and are no longer depreciated. In 2014, The Company recognized $186,000 in impairment charges on a branch facility that was held for sale and included in “other assets” in the December 31, 2014 consolidated balance sheet. During 2015 the branch facility was sold, subsequent to a
Derivative Instruments	(o) Derivative Instruments The Company records all derivatives on its consolidated balance sheets at fair value. At the inception of a derivative contract, the Company designates the derivative as one of three types based on the Company’s intentions and belief as to the derivative’s likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“fair value hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“cash flow hedge”), or (3) an instrument with no hedging designation (“stand-alone derivative”). To date, the Company has entered into cash flow hedges and stand-alone derivative agreements but has not entered into any fair value hedges. For a cash flow hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. Any portion of the cash flow hedge not deemed highly effective in hedging the changes in expected cash flows of the hedged item is recognized immediately in current earnings. Changes in the fair value of derivatives that do not qualify for hedge accounting are reported currently in earnings, as noninterest income. The Company formally documents the relationship between derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions, at the inception of the derivative contract. This documentation includes linking cash flow hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. The Company also formally assesses, both at the hedge’s inception and on an ongoing basis, whether the hedge is highly effective in offsetting changes in cash flows of the hedged items.
Stock Incentive Plan	(p) Stock Incentive Plan The Company’s Amended and Restated 2005 Stock Incentive Plan (the “Incentive Plan”) provided for the grant of equity-based awards representing up to a total of 1,700,000 shares of voting common stock to key employees, nonemployee directors, consultants and prospective employees. The Incentive Plan expired by its terms on April 4, 2015. At the Company’s annual meeting of stockholders on May 5, 2015, the Company’s stockholders approved the Guaranty Bancorp 2015 Long-Term Incentive Plan (the “2015 Plan”), which had been previously approved by the Company’s Board of Directors. The 2015 Plan provides for the grant of stock options, stock awards, stock unit awards, performance stock awards, stock appreciation rights, and other equity-based awards representing up to a total of 935,000 shares of voting common stock to key employees, nonemployee directors, consultants and prospective employees. All awards issued under the Incentive Plan will remain outstanding in accordance with their terms despite the expiration of the Incentive Plan; however, any awards granted subsequent to the expiration of the Incentive Plan have been, and will continue to be, issued under the 2015 Plan. As of December 31, 2015, the Company had granted stock awards under both the Incentive Plan and the 2015 plan. The Company recognizes stock compensation expense for services received in a share-based payment transaction over the requisite service period, generally defined as the vesting period. For awards with graded vesting, compensation cost is recognized on a straight-line basis over the requisite service period for the entire award. The compensation cost of employee and director services received in exchange for stock awards is based on the grant date fair value of the award, as determined by quoted market prices. Stock compensation expense is recognized using an estimated forfeiture rate, adjusted as necessary to reflect actual forfeitures. The Company has issued stock awards that vest based on the passage of time over service periods of three to five years (in some cases vesting in annual installments, in other cases cliff vesting at the end of the service period), and other stock awards that vest contingent upon the satisfaction of certain performance conditions. The last date on which outstanding performance stock awards may vest is December 31, 2018. At December 31, 2015, certain performance stock awards were expected to vest prior to their expiration. Should expectations of future financial performance change, expense to be recognized in future periods could be impacted.
Stock Repurchase Plan	(q) Stock Repurchase Plan On February 2, 2016, the Company’s Board of Directors authorized the extension of the expiration date of the Company’s share repurchase program originally announced in April 2014. The repurchase program had been scheduled to expire 12 months from the date of its announcement and, as extended, the program is scheduled to expire on April 2, 2017. Pursuant to the program, the Company may repurchase up to 1,000,000 shares of its voting common stock, par value $0.001 per share. As of the date of this filing, the Company had not repurchased any shares under the program.
Bank-Owned Life Insurance	(r) Bank-Owned Life Insurance The Bank has life insurance policies on certain key executives and former key executives. Bank-owned life insurance (“BOLI”) is recorded at the amount that can be realized under the insurance contract at the balance sheet date , which is the cash surrender value adjusted for other charges or other amounts likely due at settlement.
Income Taxes	( s ) Income Taxes Income tax expense is the total of the current year’s income tax payable or refundable and the increase or decrease in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating loss and tax credit carry forwards. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period of the enactment date. Deferred tax assets are reduced by a valuation allowance when, in the opinion of management, it is more likely than not that the Company will not realize some portion of , or the entire deferred tax asset . In assessing the Company’s likelihood of realizing deferred tax assets, management evaluates both positive and negative evidence, including the existence of any cumulative losses in the current year and the prior two years, the amount of taxes paid in available carry-back years, forecasts of future income, taking into account applicable tax planning strategies, and assessments of current and future economic and business conditions. Management performs this analysis quarterly and adjusts as necessary. At December 31, 201 5 and December 31, 201 4 , the Company had a net deferred tax asset of $ 7,912,000 and $ 10,988,000 , respectively, which includes the deferred tax asset associated with the net unrealized gain “loss” on securities . After analyzing the composition of and changes in the deferred tax assets and liabilities and considering the Company’s forecasted future taxable income and various tax planning strategies, including the intent to hold the securities available for sale that were in a loss position until maturity, management determined that as of December 31, 201 5 it was “more likely than not” that the net deferred tax asset would be fully realized. As a result, there was no valuation allowance with respect to the Company’s deferred tax asset as of December 31, 2015 or December 31, 2014. The Company and the Bank are subject to U.S. federal income tax and State of Colorado income tax. Generally, t he Company is no longer subje ct to examination by Federal taxing authorities for years before 20 12 and is no longer subject to examination by the State for years before 2011. The Company recognizes interest related to income tax matters as interest expense and penalties related to income tax matters as other noninterest expense. At December 31, 2015 and December 2014 , the Company did not have any amounts accrued for interest or penalties.
Segments of an Enterprise and Related Information	( t ) Segments of an Enterprise and Related Information The Company operates as a single segment. The operating information used by the Company’s Chief Executive O fficer for purposes of assessing performance and making operating decisions impacting the Company is the consolidated financial data presented in this report. For the years ended 201 5 and 201 4 , the Company had one active operating subsidiary, Guaranty Bank and Trust Company. The Company has determined that banking is its one reportable business segment.
Earnings Per Common Share	(u) Earnings p er Common Share Basic earnings per common share represents the earnings allocable to common stockholders divided by the weighted average number of common shares outstanding during the period. Dilutive common shares that may be issued by the Company represent unvested stock awards subject to a service or performance condition. Earnings per common share have been computed based on the following calculation of weighted average shares outstanding : Year Ended December 31, 2015 2014 2013 Average common shares outstanding (1) 21,065,590 20,957,702 20,867,064 Effect of dilutive unvested stock grants (1) (2 ) 206,746 128,841 84,173 Average shares outstanding for calculated diluted earnings per common share 21,272,336 21,086,543 20,951,237 _____________ ( 1 ) Share amounts have been adjusted to reflect the Company’s 1- for-5 reverse stock split on May 20, 2013. ( 2 ) U nvested stock grants representing 590,755 shares at December 31, 2015 had a dilutive impact of 206,746 shares in the diluted earnings per share calculation . U nvested stock grants representing 620,075 shares at December 31, 201 4 had a dilutive impact of 128 , 841 shares in the diluted earnings per share calculation.
Dividend Restrictions	( v ) Dividend Restrictions Holders of voting common stock are entitled to dividends out of funds legally available for such dividends, when , and if, declared by the Board of Directors. Various banking laws applicable to the Bank limit the payment of dividends, management fees and other distributions by the Bank to the Company, and may therefore limit our ability to pay dividends on our common stock. Under these laws, the Bank is currently required to request permission from the Federal Reserve and the Colorado Division of Banking prior to payment of a dividend to the Company. Any future determination relating to dividend policy will be made at the discretion of our Board of Directors and will depend on a number of factors, including general business conditions, our financial results, our future prospects, capital requirements, contractual, legal, and regulatory restrictions on the payment of dividends by us to our stockholders or by the Bank to the holding company, and such other factors as our Board of Directors may deem relevant. On February 2, 2016 the Company announced that its Board of Directors declared a quarterly cash dividend of 11.5 cents per share, payable on February 19, 2016 to stockholders of record on February 12, 201 6 .
Fair Values of Financial Instruments	(w ) Fair Values of Financial Instruments Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note 1 7 “Fair Value Measurements and Fair Value of Financial Instruments” . Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.
Loss Contingencies	( x ) Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of a loss is probable and an amount or range of loss can be reasonably estimated. Loss contingencies are more fully disclosed in Note 14 “Legal Contingencies” .
Recently Issued Accounting Standards	( y ) Recently Issued Accounting Standards Adoption of New Accounting Standards: In June 2014 the Financial Accounting Standards Board (the “FASB”) issued accounting standards update 2014-11 Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. As a result of the update, repurchase-to-maturity transactions and repurchase agreements executed as a repurchase financings will be accounted for in the same manner as repurchase agreements, namely, as secured borrowings. The update also requires additional disclosures for repurchase agreements and other instruments accounted for as secured borrowings. The provisions of this update were reflected in the Company’s reporting beginning in the second quarter 2015. The requirements of this update have not impacted the Company’s financial position, results of operations or cash flows but rather resulted in enhanced disclosures surrounding securities pledged to the Company’s repurchase agreements. Recently Issu ed but not yet Effective Accounting Standards:
Reclassifications	(z ) Reclassifications Certain reclassifications of prior year balances have been made to conform to the current year presentation. These reclassifications had no impact on the Company’s consolidated financial position, results of operations or cash flows . Share and per share amounts have been adjusted to reflect the Company’s 1-for- 5 reverse stock split on May 20, 2013 .

Summary of Significant Accoun32

Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2015
Summary of Significant Accounting Policies [Abstract]
Earnings (Loss) Per Common Share	Year Ended December 31, 2015 2014 2013 Average common shares outstanding (1) 21,065,590 20,957,702 20,867,064 Effect of dilutive unvested stock grants (1) (2 ) 206,746 128,841 84,173 Average shares outstanding for calculated diluted earnings per common share 21,272,336 21,086,543 20,951,237 _____________ ( 1 ) Share amounts have been adjusted to reflect the Company’s 1- for-5 reverse stock split on May 20, 2013. ( 2 ) U nvested stock grants representing 590,755 shares at December 31, 2015 had a dilutive impact of 206,746 shares in the diluted earnings per share calculation . U nvested stock grants representing 620,075 shares at December 31, 201 4 had a dilutive impact of 128 , 841 shares in the diluted earnings per share calculation. U nvested stock grants representing 386,525 shares at December 31, 201 3 had a dilutive impact of 84 , 173 shares in the diluted earnings per share calculation.

Securities (Tables)

Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Securities [Abstract]
Fair Value Of Available For Sale Debt Securities	December 31, 2015 Fair Value Gross Unrealized Gains Gross Unrealized Losses Amortized Cost (In thousands) Securities available for sale: State and municipal $ 34,713 $ 20 $ - $ 34,693 Mortgage-backed - agency / residential 129,017 1,081 (1,929) 129,865 Mortgage-backed - private / residential 274 - (10) 284 Trust preferred 17,806 100 (2,294) 20,000 Corporate 65,291 660 (389) 65,020 Collateralized loan obligations 8,330 - (148) 8,478 Total securities available for sale $ 255,431 $ 1,861 $ (4,770) $ 258,340 December 31, 2014 Fair Value Gross Unrealized Gains Gross Unrealized Losses Amortized Cost (In thousands) Securities available for sale: State and municipal $ 49,399 $ 71 $ (293) $ 49,621 Mortgage-backed - agency / residential 201,902 2,027 (2,063) 201,938 Mortgage-backed - private / residential 412 - - 412 Asset-backed 8,708 - (280) 8,988 Trust preferred 18,075 175 (2,100) 20,000 Corporate 64,717 956 (49) 63,810 Collateralized loan obligations 2,933 - - 2,933 Total securities available for sale $ 346,146 $ 3,229 $ (4,785) $ 347,702
Unrecognized Gains and Losses, Securities Held To Maturity	Fair Value Gross Unrecognized Gains Gross Unrecognized Losses Amortized Cost (In thousands) December 31, 2015: State and municipal $ 55,812 $ 1,349 $ (390) $ 54,853 Mortgage-backed - agency / residential 74,692 767 (611) 74,536 Asset-backed 19,618 273 (27) 19,372 $ 150,122 $ 2,389 $ (1,028) $ 148,761 December 31, 2014: State and municipal $ 36,051 $ 923 $ (95) $ 35,223 Mortgage-backed - agency / residential 41,734 1,203 - 40,531 Asset-backed 13,024 264 - 12,760 $ 90,809 $ 2,390 $ (95) $ 88,514
Proceeds From Sales And Calls of Securities	Year Ended December 31, 2015 2014 2013 (In thousands) Proceeds $ 27,985 $ 11,570 $ 35,347 Gross gains 217 45 197 Gross losses (85) (17) (208) Net tax expense related to gains (losses) on sale 50 11 (4)
Investments Classified by Contractual Maturity Date	Available for Sale December 31, 2015 Fair Value Amortized Cost (In thousands) Securities available for sale: Due in one year or less $ 2,884 $ 2,878 Due after one year through five years 43,360 42,820 Due after five years through ten years 13,579 13,603 Due after ten years 57,987 60,412 Total AFS, excluding mortgage-backed (MBS) and collateralized loan obligations 117,810 119,713 Mortgage-backed and collateralized loan obligations 137,621 138,627 Total securities available for sale $ 255,431 $ 258,340 Held to Maturity December 31, 2015 Fair Value Amortized Cost (In thousands) Securities held to maturity: Due in one year or less $ 1,654 $ 1,653 Due after one year through five years 2,489 2,477 Due after five years through ten years 21,424 21,125 Due after ten years 30,245 29,598 Total HTM, excluding MBS and asset-backed 55,812 54,853 Mortgage-backed and asset-backed 94,310 93,908 Total securities held to maturity $ 150,122 $ 148,761
Fair Value And The Unrealized Loss On Temporarily Impaired Securities	December 31, 2015 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) Description of securities: Available for sale: Mortgage-backed - agency / residential $ 56,204 $ (800) $ 31,755 $ (1,129) $ 87,959 $ (1,929) Mortgage-backed - private / residential 274 (10) - - 274 (10) Trust preferred - - 7,706 (2,294) 7,706 (2,294) Corporate 27,176 (389) - - 27,176 (389) Collateralized loan obligations 8,330 (148) - - 8,330 (148) Held to maturity: State and municipal 6,726 (351) 10,056 (102) 16,782 (453) Mortgage-backed - agency / residential 39,280 (781) 25,838 (820) 65,118 (1,601) Asset-backed - - 19,618 (438) 19,618 (438) Total temporarily impaired $ 137,990 $ (2,479) $ 94,973 $ (4,783) $ 232,963 $ (7,262) December 31, 2014 Less than 12 Months 12 Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) Description of securities: Available for sale: State and municipal $ - $ - $ 12,515 $ (293) $ 12,515 $ (293) Mortgage-backed - agency / residential 23,407 (92) 103,429 (1,971) 126,836 (2,063) Asset-backed - - 8,708 (280) 8,708 (280) Trust preferred - - 7,900 (2,100) 7,900 (2,100) Corporate 11,505 (49) - - 11,505 (49) Collateralized loan obligations 2,933 - - - 2,933 - Held to maturity: State and municipal - - 10,426 (95) 10,426 (95) Total temporarily impaired $ 37,845 $ (141) $ 142,978 $ (4,739) $ 180,823 $ (4,880)

Bank Stocks (Tables)

Bank Stocks (Tables)	12 Months Ended
	Dec. 31, 2015
Bank Stocks [Abstract]
Summary Of Bank Stocks	2015 2014 (In thousands) Federal Reserve Bank of Kansas City $ 7,104 $ 6,710 Federal Home Loan Bank of Topeka 12,638 7,354 Other bank stocks securities 758 758 Totals $ 20,500 $ 14,822

Loans (Tables)

Loans (Tables)	12 Months Ended
	Dec. 31, 2015
Loans [Abstract]
Loans Held For Investment By Loan Type	December 31, December 31, 2015 2014 (In thousands) Commercial and residential real estate $ 1,281,701 $ 1,049,315 Construction 107,170 66,634 Commercial 323,552 324,057 Agricultural 9,294 10,625 Consumer 66,288 60,155 SBA 25,645 30,025 Other 631 1,002 Total gross loans 1,814,281 1,541,813 Deferred costs and (fees) 255 (379) Loans, held for investment, net of deferred costs and fees 1,814,536 1,541,434 Less allowance for loan losses (23,000) (22,490) Net loans, held for investment $ 1,791,536 $ 1,518,944
Allowance For Loan Losses	Year Ended December 31, 2015 2014 2013 Balance, beginning of period $ 22,490 $ 21,005 $ 25,142 Provision for loan losses 96 14 296 Loans charged-off (238) (623) (7,273) Recoveries on loans previously charged-off 652 2,094 2,840 Balance, end of period $ 23,000 $ 22,490 $ 21,005
Allowance For Loan Losses And Loans Held For Investment By Portfolio Segment	Real Estate Consumer and Installment Commercial and Other Total (In thousands) Allowance for Loan Losses Balance as of January 1, 2013 $ 19,550 $ 76 $ 5,516 $ 25,142 Charge-offs (5,780) (35) (1,458) (7,273) Recoveries 2,292 33 515 2,840 Provision (credit) 2,413 (22) (2,095) 296 Balance as of December 31, 2013 $ 18,475 $ 52 $ 2,478 $ 21,005 Balance as of December 31, 2013 $ 18,475 $ 52 $ 2,478 $ 21,005 Charge-offs (23) (38) (562) (623) Recoveries 1,734 27 333 2,094 Provision (credit) (579) (2) 595 14 Balance as of December 31, 2014 $ 19,607 $ 39 $ 2,844 $ 22,490 Balance as of December 31, 2014 $ 19,607 $ 39 $ 2,844 $ 22,490 Charge-offs (21) (12) (205) (238) Recoveries 284 29 339 652 Provision (credit) 436 15 (355) 96 Balance as of December 31, 2015 $ 20,306 $ 71 $ 2,623 $ 23,000 Balances at December 31, 2015: Allowance for Loan Losses Individually evaluated $ 282 $ - $ 11 $ 293 Collectively evaluated 20,024 71 2,612 22,707 Total $ 20,306 $ 71 $ 2,623 $ 23,000 Loans Individually evaluated $ 23,846 $ 2 $ 2,305 $ 26,153 Collectively evaluated 1,489,211 5,716 293,456 1,788,383 Total $ 1,513,057 $ 5,718 $ 295,761 $ 1,814,536 Balances at December 31, 2014: Allowance for Loan Losses Individually evaluated $ 224 $ 1 $ 2 $ 227 Collectively evaluated 19,383 38 2,842 22,263 Total $ 19,607 $ 39 $ 2,844 $ 22,490 Loans Individually evaluated $ 26,751 $ 25 $ 68 $ 26,844 Collectively evaluated 1,230,289 2,799 281,502 1,514,590 Total $ 1,257,040 $ 2,824 $ 281,570 $ 1,541,434
Schedule Of Impaired Loans	December 31, 2015 Recorded Investment Unpaid Balance Related Allowance Average Recorded Investment YTD Interest Income Recognized YTD (In thousands) Impaired loans with no related allowance: Commercial and residential real estate $ 12,756 $ 14,472 $ - $ 14,194 $ 242 Construction 986 986 - 789 - Commercial - - - 19 - Consumer 271 310 - 307 5 Other 250 588 - 171 - Total $ 14,263 $ 16,356 $ - $ 15,480 $ 247 Impaired loans with a related allowance: Commercial and residential real estate $ 10,232 $ 10,472 $ 268 $ 9,989 $ 388 Construction - - - - - Commercial 1,204 1,220 11 492 18 Consumer 454 529 14 493 13 Other - - - - - Total $ 11,890 $ 12,221 $ 293 $ 10,974 $ 419 Total impaired loans: Commercial and residential real estate $ 22,988 $ 24,944 $ 268 $ 24,183 $ 630 Construction 986 986 - 789 - Commercial 1,204 1,220 11 511 18 Consumer 725 839 14 800 18 Other 250 588 - 171 - Total impaired loans $ 26,153 $ 28,577 $ 293 $ 26,454 $ 666 December 31, 2014 Recorded Investment Unpaid Balance Related Allowance Average Recorded Investment YTD Interest Income Recognized YTD (In thousands) Impaired loans with no related allowance: Commercial and residential real estate $ 15,329 $ 16,874 $ - $ 18,792 $ 220 Construction - - - - - Commercial 93 103 - 265 10 Consumer 374 391 - 297 10 Other 168 615 - 236 - Total $ 15,964 $ 17,983 $ - $ 19,590 $ 240 Impaired loans with a related allowance: Commercial and residential real estate $ 10,274 $ 10,507 $ 201 $ 3,818 $ 425 Construction - - - - - Commercial 67 330 2 248 5 Consumer 539 595 24 673 14 Other - - - 68 - Total $ 10,880 $ 11,432 $ 227 $ 4,807 $ 444 Total impaired loans: Commercial and residential real estate $ 25,603 $ 27,381 $ 201 $ 22,610 $ 645 Construction - - - - - Commercial 160 433 2 513 15 Consumer 913 986 24 970 24 Other 168 615 - 304 - Total impaired loans $ 26,844 $ 29,415 $ 227 $ 24,397 $ 684
Summary Of Past Due Loans By Class	December 31, 2015 30-89 Days Past Due 90 Days + Past Due and Still Accruing Nonaccrual Total Nonaccrual and Past Due Total Loans, Held for Investment (In thousands) Commercial and residential real estate $ 653 $ - $ 11,905 $ 12,558 $ 1,281,881 Construction - - 986 986 107,185 Commercial 1,147 - 874 2,021 323,598 Consumer 291 - 459 750 66,297 Other - - 250 250 35,575 Total $ 2,091 $ - $ 14,474 $ 16,565 $ 1,814,536 December 31, 2014 30-89 Days Past Due 90 Days + Past Due and Still Accruing Nonaccrual Total Nonaccrual and Past Due Total Loans, Held for Investment (In thousands) Commercial and residential real estate $ 92 $ - $ 11,872 $ 11,964 $ 1,049,057 Construction - - - - 66,618 Commercial 1,080 - 18 1,098 323,977 Consumer 66 - 559 625 60,140 Other 143 - 168 311 41,642 Total $ 1,381 $ - $ 12,617 $ 13,998 $ 1,541,434
Summary Of The Risk Category Of Loans By Class Of Loans	December 31, 2015 Commercial & Residential Real Estate Construction Commercial Consumer Other Total (In thousands) Non-classified $ 1,260,134 $ 106,184 $ 322,650 $ 65,365 $ 34,194 $ 1,788,527 Substandard 21,567 986 902 923 1,376 25,754 Doubtful - - - - - - Subtotal 1,281,701 107,170 323,552 66,288 35,570 1,814,281 Less: Deferred costs and (fees) 180 15 46 9 5 255 Loans, held for investment, net of deferred costs and fees $ 1,281,881 $ 107,185 $ 323,598 $ 66,297 $ 35,575 $ 1,814,536 December 31, 2014 Commercial & Residential Real Estate Construction Commercial Consumer Other Total (In thousands) Non-classified $ 1,027,792 $ 66,634 $ 322,920 $ 58,941 $ 40,430 $ 1,516,717 Substandard 21,523 - 1,137 1,214 1,222 25,096 Doubtful - - - - - - Subtotal 1,049,315 66,634 324,057 60,155 41,652 1,541,813 Less: Deferred costs and (fees) (258) (16) (80) (15) (10) (379) Loans, held for investment, net of deferred costs and fees $ 1,049,057 $ 66,618 $ 323,977 $ 60,140 $ 41,642 $ 1,541,434
Loans By Class Modified As Troubled Debt Restructurings	Year Ended December 31, 2015: Troubled Debt Restructurings Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (In thousands) Commercial and residential real estate 1 $ 715 $ 715 Construction - - - Commercial 3 300 300 Consumer 1 2 2 Other - - - Total 5 $ 1,017 $ 1,017 Year Ended December 31, 2014: Troubled Debt Restructurings Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment (In thousands) Commercial and residential real estate 13 $ 22,408 $ 22,408 Construction - - - Commercial 3 372 372 Consumer 4 90 90 Other 1 86 86 Total 21 $ 22,956 $ 22,956

Premises And Equipment (Tables)

Premises And Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Premises And Equipment [Abstract]
Summary Of Cost, Accumulated Depreciation, And Amoritazation Of Premises And Equipment	2015 2014 (In thousands) Land $ 11,789 $ 11,782 Buildings 45,568 42,773 Leasehold improvements 5,461 4,699 Equipment and Software 15,009 14,435 Leasehold interest in land 684 684 Subtotal $ 78,511 $ 74,373 Accumulated depreciation and amortization (30,203) (28,436) Total premises and equipment $ 48,308 $ 45,937
Summary Of Future Minimum Rent Commitments	2016 $ 1,366 2017 1,295 2018 1,129 2019 1,078 2020 1,106 Thereafter 4,477 $ 10,451

Other Intangible Assets (Tables

Other Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2015
Other Intangible Assets [Abstract]
Schedule Of Finite Lived Intangible Assets And Related Accumulated Amortization	December 31, Useful Life 2015 2014 (In thousands) Core deposit intangible assets 10 - 15 years $ 62,975 $ 62,975 Core deposit intangible assets accumulated amortization (62,124) (60,708) Core deposit intangible assets, net $ 851 $ 2,267 Customer relationship intangible assets 10 years 5,654 5,654 Customer relationship intangible assets accumulated amortization (1,332) (767) Customer relationship intangible assets, net $ 4,322 $ 4,887 Total other intangible assets, net $ 5,173 $ 7,154
Amortization Of Intangible Assets	Total Fiscal year ending: 2016 $ 958 2017 794 2018 718 2019 641 2020 565 Thereafter 1,497 $ 5,173

Deposits (Tables)

Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Deposits [Abstract]
Schedule Of Maturities Of Time Deposits	2016 $ 120,876 2017 65,287 2018 40,145 2019 20,571 2020 12,260 $ 259,139

Securities Sold Under Agreeme39

Securities Sold Under Agreements To Repurchase (Tables)	12 Months Ended
	Dec. 31, 2015
Securities Sold Under Agreements To Repurchase [Abstract]
Information Pertaining To Securities Sold Under Agreement To Repurchase	2015 2014 (Dollars in thousands) Ending Balance $ 26,477 $ 33,508 Weighted-average interest rate at year-end 0.19 % 0.19 %
Summary Of Balances For Securities Sold Under Agreements To Repurchase	Year Ended December 31, 2015 2014 2013 (Dollars in thousands) Average daily balance during the year $ 24,531 $ 24,399 $ 36,357 Average interest rate during the year 0.18 % 0.16 % 0.13 % Maximum month-end balance during the year $ 31,977 $ 33,508 $ 62,021

Federal Home Loan Bank Borrow40

Federal Home Loan Bank Borrowings (Tables)	12 Months Ended
	Dec. 31, 2015
Federal Home Loan Bank Borrowings [Abstract]
Summary Of Borrowings	Principal Interest Rate Maturity Date Total Committed (Dollars in thousands) December 31, 2015 Short-term borrowings: FHLB line of credit $ 185,847 0.48% overnight $ 454,748 Total short-term borrowings $ 185,847 Long-term borrowings: FHLB term notes (fixed rate) 70,000 Range: 0.58% - 2.52% 2016 - 2018 See below FHLB term notes (variable rate) 25,000 0.45% August 5, 2016 See below Total long-term borrowings $ 95,000 Total borrowings $ 280,847 December 31, 2014 Short-term borrowings: FHLB line of credit $ 140,300 0.25% overnight $ 385,584 Total short-term borrowings $ 140,300 Long-term borrowings: FHLB term notes (fixed rate) 20,000 2.52% January 23, 2018 See below Total borrowings $ 160,300
Summary Of Borrowings On The FHLB Line Of Credit	Year Ended December 31, 2015 2014 2013 (Dollars in thousands) Average daily balance during the year $ 130,152 $ 48,327 $ 34,570 Average interest rate during the year 0.28 % 0.23 % 0.19 % Maximum month-end balance during the year $ 212,065 $ 140,300 $ 92,568

Income Taxes (Tables)

Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Taxes [Abstract]
Schedule Of Components Of Income Tax Expense (Benefit)	Year Ended December 31, 2015 2014 2013 (In thousands) Current tax expense: Federal $ 7,165 $ 4,116 $ 318 State - - 297 Total current tax expense 7,165 4,116 615 Deferred tax expense Federal 3,132 1,678 5,274 State 973 442 467 Total deferred tax expense 4,105 2,120 5,741 Total tax expense $ 11,270 $ 6,236 $ 6,356
Reconciliation Of Effective Income Tax Rate From The Statutory Federal Rate	Year Ended December 31, 2015 2014 2013 Tax expense at statutory federal rate 35.0 % 35.0 % 35.0 % State tax, net of federal benefit 2.8 % 2.6 % 2.5 % Tax exempt income (4.4) % (6.6) % (6.5) % Other 0.1 % 0.6 % 0.2 % 33.5 % 31.6 % 31.2 %
Schedule Of Deferred Tax Assets And Liabilities	2015 2014 (In thousands) Deferred tax assets: Allowance for loan losses $ 8,742 $ 8,548 Other real estate owned 54 1,428 Other assets and accruals 1,209 2,012 Unrealized loss on available for sale securities 1,106 592 Unrealized loss on securities transferred to held to maturity 906 783 Unrealized loss on cash flow hedges 935 543 Net operating loss, AMT and other tax attribute carryforwards 808 3,427 Intangible assets 806 583 Stock compensation and other 1,237 798 Total deferred tax assets: 15,803 18,714 Deferred tax liabilities: Premises and equipment 4,451 4,241 Core deposit intangibles 323 862 Deferred loan costs 1,527 1,250 FHLB stock, prepaid assets, equity investments and other liabilities 1,590 1,373 Total deferred tax liabilities 7,891 7,726 Deferred tax asset, net $ 7,912 $ 10,988

Subordinated Debentures And T42

Subordinated Debentures And Trust Preferred Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Subordinated Debentures And Trust Preferred Securities [Abstract]
Schedule Of Subordinated Debenture Issuance	Date Issued Amount Maturity Date Call Date * Fixed or Variable Rate Adjuster Current Rate Next Rate Reset Date** CenBank Trust III 4/8/2004 15,464 4/15/2034 4/15/2016 Variable LIBOR + 2.65 % 2.97 % 4/15/2016 Guaranty Capital Trust III 6/30/2003 10,310 7/7/2033 4/7/2016 Variable LIBOR + 3.10 % 3.42 % 4/7/2016 * Call date represents the earliest or next date the Company can call the debentures . ** On January 7, 2016, the rate on the Guaranty Capital Trust III subordinated debentures reset to 3.72% . On January 15, 2016, the rate on the CenBank Trust III subordinated debentures reset to 3.27% .

Commitments (Tables)

Commitments (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments [Abstract]
Commitments To Extend Credit	2015 2014 (In thousands) Commitments to extend credit: Variable $ 307,463 $ 342,496 Fixed 61,184 41,742 Total commitments to extend credit $ 368,647 $ 384,238 Standby letters of credit $ 8,857 $ 11,474

Employee Benefit Plans (Tables)

Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2015
Employee Benefit Plans [Abstract]
Stock-Based Compensation Change During The Period	Shares Weighted Average Fair Value on Award Date Unearned at January 1, 2015 620,075 $ 12.05 Awarded 166,087 14.61 Forfeited (50,397) 12.75 Vested (145,010) 11.35 Unearned at December 31, 2015 590,755 $ 12.88

Fair Value Measurements And F45

Fair Value Measurements And Fair Value Of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Measurements And Fair Value Of Financial Instruments [Abstract]
Financial Assets and Liabilities Measured on a Recurring Basis	Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Balance (In thousands) Assets/(Liabilities) at December 31, 2015 State and municipal securities $ - $ 2,673 $ 32,040 $ 34,713 Mortgage-backed securities – agency / residential - 129,017 - 129,017 Mortgage-backed securities – private / residential - 274 - 274 Trust preferred securities - 17,806 - 17,806 Corporate securities - 65,291 - 65,291 Collateralized loan obligations - 8,330 8,330 Interest rate swaps - cash flow hedge - (2,558) - (2,558) Assets/(Liabilities) at December 31, 2014 State and municipal securities $ - $ 17,082 $ 32,317 $ 49,399 Mortgage-backed securities – agency / residential - 201,902 - 201,902 Mortgage-backed securities – private / residential - 412 - 412 Asset-backed securities - 8,708 - 8,708 Trust preferred securities - 18,075 - 18,075 Corporate securities - 64,717 - 64,717 Collateralized loan obligations - 2,933 2,933 Interest rate swaps - cash flow hedge - (1,526) - (1,526)
Fair Value Measurements Using Significant Unobservable Inputs (Level 3)	State and Municipal Securities (In thousands) Beginning balance December 31, 2014 $ 32,317 Total unrealized gains (losses) included in: Net income 3 Other comprehensive income (loss) - Sales, calls and prepayments - Transfer to held to maturity (280) Transfers in and (out) of Level 3 - Balance December 31, 2015 $ 32,040 For the year ended December 31, 2015, there was no comprehensive income or loss for assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) as a result of consistent mark-to-market valuations at December 31, 201 5 and December 31, 201 4. For the years ended December 31, 2015 and December 31, 2014, the amounts included in net income include accretion of any discount on these Level 3 bonds. The table be low presents a reconciliation and income statement classification of gains and losses for all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the year ended December 31, 2014 : State and Municipal Securities (In thousands) Beginning balance December 31, 2013 $ 24,167 Total unrealized gains (losses) included in: Net income (loss) 3 Other comprehensive income (loss) 477 Sales, calls and prepayments (250) Purchase of Level 3 investment 7,920 Balance December 31, 2014 $ 32,317
Quantitative Information About Level 3 Fair Value Measurements	December 31, 2015 Fair Value Valuation Technique Unobservable Inputs Range (In thousands) State and municipal securities $ 32,040 discounted cash flow discount rate 2.05% - 4.75% Total $ 32,040 December 31, 2014 Fair Value Valuation Technique Unobservable Inputs Range (In thousands) State and municipal securities $ 32,037 discounted cash flow discount rate 1.75% - 4.75% State and municipal securities 280 matrix pricing discount rate or yield N/A* Total $ 32,317 * The Company relies on a third party pricing service to value unrated municipal securities. Because of the lack of credit ratings, management considers the relationship between rates on these securities and benchmarks rates to be unobservable. The unobservable adjustments used by the third party pricing service were not readily available.
Estimated Fair Values And Related Carrying Amounts Of Financial Instruments	Fair Value Measurements at December 31 2015: Carrying Amount Level 1 Level 2 Level 3 Total (In thousands) Financial assets: Cash and cash equivalents $ 26,711 $ 26,711 $ - $ - $ 26,711 Securities available for sale 255,431 - 223,391 32,040 255,431 Securities held to maturity 148,761 - 145,698 4,424 150,122 Bank stocks 20,500 n/a n/a n/a n/a Loans held for investment, net 1,791,536 - - 1,791,128 1,791,128 Accrued interest receivable 6,554 - 6,554 - 6,554 Financial liabilities: Deposits $ 1,801,845 $ - $ 1,800,112 $ - $ 1,800,112 Federal funds purchased and sold under agreements to repurchase 26,477 - 26,477 - 26,477 Short-term borrowings 185,847 - 185,847 - 185,847 Subordinated debentures 25,774 - - 18,640 18,640 Long-term borrowings 95,000 - 95,353 - 95,353 Accrued interest payable 508 - 508 - 508 Interest rate swap - cash flow hedge 2,502 - 2,502 - 2,502 Fair Value Measurements at December 31, 2014: Carrying Amount Level 1 Level 2 Level 3 Total (In thousands) Financial assets: Cash and cash equivalents $ 32,441 $ 32,441 $ - $ - $ 32,441 Securities available for sale 346,146 - 313,829 32,317 346,146 Securities held to maturity 88,514 - 86,551 4,258 90,809 Bank stocks 14,822 n/a n/a n/a n/a Loans held for investment, net 1,518,944 - - 1,511,289 1,511,289 Accrued interest receivable 5,934 - 5,934 - 5,934 Financial liabilities: Deposits $ 1,685,324 $ - $ 1,684,011 $ - $ 1,684,011 Federal funds purchased and sold under agreements to repurchase 33,508 - 33,508 - 33,508 Short-term borrowings 140,300 - 140,300 - 140,300 Subordinated debentures 25,774 - - 18,351 18,351 Long-term borrowings 20,000 - 20,735 - 20,735 Accrued interest payable 375 - 375 - 375 Interest rate swap - cash flow hedge 1,526 - 1,526 - 1,526

Derivatives And Hedging Activ46

Derivatives And Hedging Activities (Tables)	12 Months Ended
	Dec. 31, 2015
Derivatives And Hedging Activities [Abstract]
Schedule Of Derivative Financial Instruments As Well As Their Classification On The Balance Sheet	Balance Sheet Fair Value December 31, Location 2015 2014 (In thousands) Derivatives designated as hedging instruments Assets: Interest rate swaps Other assets $ - $ - Liabilities: Interest rate swaps Other liabilities $ 2,558 $ 1,526
Summary Of Interest Rate Swaps Designated As Cash Flow Hedges	2015 2014 (Dollars in thousands) Notional amounts $ 50,000 $ 50,000 Weighted average pay rates 2.73 % 2.73 % Weighted average receive rates 3 month LIBOR 3 month LIBOR Weighted average maturity 4.9 years 5.9 years Unrealized gains (losses) $ (2,558) $ (1,526)
Schedule Of Derivative Financial Instruments On Both Comprehensive Income And Net Income	Income Interest Rate Swaps with Statement December 31, Hedge Designation Location 2015 2014 Gain or (loss) recognized in OCI on Derivative – net of tax Not applicable $ (775) $ (1,234) (Gain) or loss reclassified from accumulated OCI into income (effective portion) – net of tax Interest expense 135 -

Regulatory Capital Matters (Tab

Regulatory Capital Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Regulatory Capital Matters [Abstract]
Schedule Of Company's And Bank's Capital Ratios	Actual Minimum Capital Requirement Minimum Requirement for "Well-Capitalized" Institution Amount Ratio Amount Ratio Amount Ratio Dollars in thousands As of December 31, 2015: Common Equity Tier 1 Risk-Based Capital Ratio Consolidated $ 224,305 10.94 % $ 92,237 4.50 % $ N/A N/A Guaranty Bank and Trust Company 245,054 11.96 % 92,194 4.50 % 133,169 6.50 Tier 1 Risk-Based Capital Ratio Consolidated 248,283 12.11 % 122,983 6.00 % N/A N/A Guaranty Bank and Trust Company 245,054 11.96 % 122,925 6.00 % 163,900 8.00 % Total Risk-Based Capital Ratio Consolidated 271,404 13.24 % 163,977 8.00 % N/A N/A Guaranty Bank and Trust Company 268,176 13.09 % 163,900 8.00 % 204,875 10.00 % Leverage Ratio Consolidated 248,283 10.68 % 92,962 4.00 % N/A N/A Guaranty Bank and Trust Company 245,054 10.55 % 92,916 4.00 % 116,145 5.00 % As of December 31, 2014: Tier 1 Risk-Based Capital Ratio Consolidated $ 228,745 12.60 % $ 72,622 4.00 % N/A N/A Guaranty Bank and Trust Company 223,619 12.33 % 72,549 4.00 % $ 108,823 6.00 % Total Risk-Based Capital Ratio Consolidated 251,366 13.85 % 145,245 8.00 % N/A N/A Guaranty Bank and Trust Company 246,240 13.58 % 145,097 8.00 % 181,371 10.00 % Leverage Ratio Consolidated 228,745 11.10 % 82,442 4.00 % N/A N/A Guaranty Bank and Trust Company 223,619 10.86 % 82,356 4.00 % 102,945 5.00 %

Parent Company Only Condensed48

Parent Company Only Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2015
Parent Company Only Condensed Financial Information [Abstract]
Schedule Of Condensed Balance Sheets	Balance Sheets (Parent Company Only) December 31, 2015 and 2014 2015 2014 (In thousands) Assets Cash $ 3,739 $ 4,670 Investments in subsidiaries 242,320 226,813 Other assets 2,827 2,619 Total assets $ 248,886 $ 234,102 Liabilities and Stockholders' Equity Liabilities: Subordinated debentures $ 25,774 $ 25,774 Other liabilities 1,473 1,389 Total liabilities 27,247 27,163 Stockholders' equity: Common stock 24 24 Common stock - additional paid-in capital 712,310 709,341 Accumulated deficit (382,147) (396,172) Accumulated other comprehensive loss (4,805) (3,127) Treasury stock (103,743) (103,127) Total stockholders' equity 221,639 206,939 Total liabilities and stockholders' equity $ 248,886 $ 234,102
Schedule Of Consensed Statements Of Operations	Statements of Income and Comprehensive Income (Parent Company Only) Years Ended December 31, 2015, 2014 and 2013 2015 2014 2013 (In thousands) Income: Management fee - subsidiary bank $ 5,129 $ 4,466 $ 3,933 Dividends from subsidiary bank 8,400 - 17,086 Other 28 41 55 Total income 13,557 4,507 21,074 Expenses: Interest expense 814 800 1,122 Salaries and benefits 3,325 3,155 2,402 Professional services 1,779 1,917 1,824 Other 953 813 1,486 Total expenses 6,871 6,685 6,834 Income (loss) before federal income taxes and equity in undistributed net income of subsidiaries 6,686 (2,178) 14,240 Income tax benefit 495 822 1,073 Income (loss) before equity in undistributed net income of subsidiaries 7,181 (1,356) 15,313 Equity in undistributed income of subsidiaries 15,273 14,868 (1,284) Net income $ 22,454 $ 13,512 $ 14,029 Other Comprehensive Income (Loss) (1,678) 5,827 (12,119) Total Comprehensive Income $ 20,776 $ 19,339 $ 1,910
Schedule Of Consensed Statement Of Cash Flows	Statements of Cash Flow (Parent Company Only) Years Ended December 31, 2015, 2014 and 2013 2015 2014 2013 (In thousands) Cash flows from operating activities: Net income $ 22,454 $ 13,512 $ 14,029 Reconciliation of net income to net cash from operating activities: Equity based compensation 990 817 407 Net change in: Other assets (168) 4,165 (544) Other liabilities 84 156 (326) Equity in undistributed income of consolidated subsidiaries (15,273) (14,868) 1,284 Prepayment penalty on debt extinguishment - - 629 Net cash from operating activities 8,087 3,782 15,479 Cash flows from investing activities: Net cash used by investing activities - - - Cash flows from financing activities: Repurchase of common stock (616) (455) (275) Tax effect of restricted stock vesting 27 - - Redemption of subordinated debentures - - (16,094) Dividends paid (8,429) (4,190) (1,566) Net cash used by financing activities (9,018) (4,645) (17,935) Net change in cash and cash equivalents (931) (863) (2,456) Cash and cash equivalents, beginning of year 4,670 5,533 7,989 Cash and cash equivalents, end of year $ 3,739 $ 4,670 $ 5,533

Quarterly Results Of Operatio49

Quarterly Results Of Operations (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Results Of Operations [Abstract]
Schedule Of Quarterly Results Of Operations	2015 Quarterly Results of Operations Quarter Ended December 31, September 30, June 30, March 31, 2015 2015 2015 2015 (In thousands, except share data) Interest income $ 21,454 $ 20,863 $ 20,159 $ 19,854 Interest expense 1,598 1,457 1,219 1,077 Net interest income 19,856 19,406 18,940 18,777 Provision (credit) for loan losses (8) 14 113 (23) Net interest income after provision for loan losses 19,864 19,392 18,827 18,800 Noninterest income 4,262 4,399 4,404 4,115 Noninterest expense 15,247 14,866 14,956 15,270 Income before income taxes 8,879 8,925 8,275 7,645 Income tax expense 2,988 2,923 2,798 2,561 Net income $ 5,891 $ 6,002 $ 5,477 $ 5,084 Basic earnings per common share $ 0.28 $ 0.28 $ 0.26 $ 0.24 Diluted earnings per common share $ 0.28 $ 0.28 $ 0.26 $ 0.24 Loan growth, increases in deposits and increases in borrowings during 2015 contributed to increased interest income and increased interest expense. 2014 Quarterly Results of Operations Quarter Ended December 31, September 30, June 30, March 31, 2014 2014 2014 2014 (In thousands, except share data) Interest income $ 19,384 $ 19,529 $ 18,726 $ 17,881 Interest expense 1,704 1,720 1,661 1,622 Net interest income 17,680 17,809 17,065 16,259 Provision (credit) for loan losses (1) (3) 24 (6) Net interest income after provision for loan losses 17,681 17,812 17,041 16,265 Noninterest income 4,862 4,338 3,837 3,658 Noninterest expense 21,034 15,159 14,915 14,638 Income before income taxes 1,509 6,991 5,963 5,285 Income tax expense 294 2,320 1,879 1,743 Net income $ 1,215 $ 4,671 $ 4,084 $ 3,542 Basic earnings per common share $ 0.06 $ 0.22 $ 0.19 $ 0.17 Diluted earnings per common share $ 0.06 $ 0.22 $ 0.19 $ 0.17

Summary of Significant Accoun50

Summary of Significant Accounting Policies (Narrative) (Details)	Feb. 02, 2016$ / shares	May. 20, 2013	Dec. 31, 2015USD ($)segment$ / sharescustomershares	Dec. 31, 2014USD ($)$ / shares	Dec. 31, 2013USD ($)
Summary Of Significant Accounting Policies [Line Items]
Impairment, OTTI			$ 0	$ 0	$ 0
Number of portfolio segment loans are designated into | segment			3
Number of customer relationships acquired | customer			2
Impairment charge			$ 122,000	$ 186,000
Long-lived assets held-for-sale			$ 0
Common stock, par value (in dollars per share) | $ / shares			$ 0.001	$ 0.001
Deferred tax assets, net			$ 7,912,000	$ 10,988,000
Net deferred tax assets valuation allowance			0	0
Interest and penalties accrued			$ 0	$ 0
Number of reportable segments | segment			1
Reverse stock split ratio		0.2
Subsequent Event [Member]
Summary Of Significant Accounting Policies [Line Items]
Dividend payable, date declared	Feb. 2, 2016
Quarterly stock dividend, per share amount | $ / shares	$ 0.115
Dividends Payable, Date to be Paid	Feb. 19, 2016
Dividends Payable, Date of Record	Feb. 12, 2016
Company Share Repurchase Program [Member]
Summary Of Significant Accounting Policies [Line Items]
Shares authorized for repurchase | shares			1,000,000
Repurchase of common stock (in shares) | shares			0
2005 Incentive Plan [Member]
Summary Of Significant Accounting Policies [Line Items]
Number of grants authorized | shares			1,700,000
2015 Incentive Plan [Member]
Summary Of Significant Accounting Policies [Line Items]
Number of grants authorized | shares			935,000
Customer Relationship [Member]
Summary Of Significant Accounting Policies [Line Items]
Intangible assets, useful life			10 years
Minimum [Member]
Summary Of Significant Accounting Policies [Line Items]
Stock awards vest, service periods			3 years
Minimum [Member] | Core Deposits [Member]
Summary Of Significant Accounting Policies [Line Items]
Intangible assets, useful life			10 years
Minimum [Member] | Buildings And Leasehold Improvements [Member]
Summary Of Significant Accounting Policies [Line Items]
Premises and Equipment, estimated useful life			5 years
Minimum [Member] | Equipment And Software [Member]
Summary Of Significant Accounting Policies [Line Items]
Premises and Equipment, estimated useful life			1 year
Maximum [Member]
Summary Of Significant Accounting Policies [Line Items]
Stock awards vest, service periods			5 years
Maximum [Member] | Core Deposits [Member]
Summary Of Significant Accounting Policies [Line Items]
Intangible assets, useful life			15 years
Maximum [Member] | Buildings And Leasehold Improvements [Member]
Summary Of Significant Accounting Policies [Line Items]
Premises and Equipment, estimated useful life			40 years
Maximum [Member] | Equipment And Software [Member]
Summary Of Significant Accounting Policies [Line Items]
Premises and Equipment, estimated useful life			15 years

Summary of Significant Accoun51

Summary of Significant Accounting Policies (Earnings (Loss) Per Common Share) (Details)		May. 20, 2013	Dec. 31, 2015shares	Dec. 31, 2014shares	Dec. 31, 2013shares
Summary of Significant Accounting Policies [Abstract]
Average common shares outstanding	[1]		21,065,590	20,957,702	20,867,064
Effect of dilutive unvested stock grants	[2],[3]		206,746	128,841	84,173
Average shares outstanding for calculated diluted earnings per common share			21,272,336	21,086,543	20,951,237
Unvested stock grants			590,755	620,075	386,525
Reverse stock split ratio		0.2
[1]	Share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.
[2]	Share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.
[3]	Unvested stock grants representing 590,755 shares at December 31, 2015 had a dilutive impact of 206,746 shares in the diluted earnings per share calculation. Unvested stock grants representing 620,075 shares at December 31, 2014 had a dilutive impact of 128,841 shares in the diluted earnings per share calculation. Unvested stock grants representing 386,525 shares at December 31, 2013 had a dilutive impact of 84,173 shares in the diluted earnings per share calculation.

Securities (Narrative) (Details

Securities (Narrative) (Details)	6 Months Ended	12 Months Ended
	Jun. 30, 2014USD ($)	Dec. 31, 2015USD ($)security	Dec. 31, 2014USD ($)security
Schedule of Available-for-sale Securities [Line Items]
Investment securities carrying values, pledged		$ 168,723,000	$ 251,136,000
Securities available for pledging		227,749,000	$ 185,820,000
Reclassification Of Available For Sale Mortgage Backed Securities And Asset Backed Securities To Held To Maturity Securities At Fair Value	$ 39,365,000	49,084,000
Unrealized pre tax gain (loss) on available for sale securities reclassified		750,000
Realized gain (loss) on available for sale securities reclassified	0	$ 0
Unrealized After Tax Losses Of Available For Sale Securities	$ 1,404,000
Securities in an unrealized loss position | security		88	84
Securities in an unrealized loss position for 12 months or longer | security		43	75
Securities in an unrealized loss position for less than 12 months | security		45	9
Percent of Bank's municipal bond securities that are unrated		13.80%	14.70%
Colorado Health Facilities Authority Bond [Member]
Schedule of Available-for-sale Securities [Line Items]
Security of a single issuer, book value		$ 24,115,000
Percent of stockholders' equity		10.90%
Tax-exempt bond, interest rate		4.75%

Securities (Fair Value Of Avail

Securities (Fair Value Of Available For Sale Debt Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Fair Value	$ 255,431	$ 346,146
Gross Unrealized Gains	1,861	3,229
Gross Unrealized Losses	(4,770)	(4,785)
Amortized Cost	258,340	347,702
Trust Preferred [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value	17,806	18,075
Gross Unrealized Gains	100	175
Gross Unrealized Losses	(2,294)	(2,100)
Amortized Cost	20,000	20,000
State And Municipal Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value	34,713	49,399
Gross Unrealized Gains	20	71
Gross Unrealized Losses		(293)
Amortized Cost	34,693	49,621
Asset-backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value		8,708
Gross Unrealized Losses		(280)
Amortized Cost		8,988
Mortgage-backed securities - agency/residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value	129,017	201,902
Gross Unrealized Gains	1,081	2,027
Gross Unrealized Losses	(1,929)	(2,063)
Amortized Cost	129,865	201,938
Mortgage-backed securities - private/residential [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value	274	412
Gross Unrealized Losses	(10)
Amortized Cost	284	412
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value	65,291	64,717
Gross Unrealized Gains	660	956
Gross Unrealized Losses	(389)	(49)
Amortized Cost	65,020	63,810
Collateralized Loan Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Fair Value	8,330	2,933
Gross Unrealized Losses	(148)
Amortized Cost	$ 8,478	$ 2,933

Securities (Unrecognized Gains

Securities (Unrecognized Gains And Losses Securities Held To Maturity) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Held-to-maturity Securities [Line Items]
Fair value	$ 150,122	$ 90,809
Gross Unrealized Gains	2,389	2,390
Gross Unrealized Losses	(1,028)	(95)
Amortized Cost	148,761	88,514
Asset-backed Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Fair value	19,618	13,024
Gross Unrealized Gains	273	264
Gross Unrealized Losses	(27)
Amortized Cost	19,372	12,760
Mortgage-backed securities - agency/residential [Member]
Schedule of Held-to-maturity Securities [Line Items]
Fair value	74,692	41,734
Gross Unrealized Gains	767	1,203
Gross Unrealized Losses	(611)
Amortized Cost	74,536	40,531
State And Municipal Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Fair value	55,812	36,051
Gross Unrealized Gains	1,349	923
Gross Unrealized Losses	(390)	(95)
Amortized Cost	$ 54,853	$ 35,223

Securities (Proceeds From Sales

Securities (Proceeds From Sales And Calls Of Securities) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securities [Abstract]
Proceeds	$ 27,985	$ 11,570	$ 35,347
Gross gains	217	45	197
Gross losses	(85)	(17)	(208)
Net tax expense related to gains (losses) on sale	$ 50	$ 11	$ (4)

Securities (Investments Classif

Securities (Investments Classified by Contractual Maturity Date) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule Of Available For Sale And Held To Maturity Securities [Line Items]
Due in one year or less, Amortized Cost	$ 2,878
Due after one years through five years, Amortized cost	42,820
Due after five years through ten years, Amortized cost	13,603
Due after ten years, Amortized cost	60,412
Total AFS, excluding mortgage-backed (MBS) and collateralized loan obligations, Amortized cost	119,713
Mortgage-backed and collateralized loan obligations, Amortized cost	138,627
Total securities available for sale, Amortized cost	258,340
Due in one year or less, Fair value	2,884
Due after one year through five years, Fair value	43,360
Due after five years through ten years, Fair value	13,579
Due after ten years, Fair value	57,987
Total AFS, excluding mortgage-backed (MBS) and collateralized loan obligations, Fair Value	117,810
Mortgage-backed and collateralized loan obligations, Fair value	137,621
Total securities available for sale, Fair value	255,431	$ 346,146
Securities held to maturity, Due in one year or less	1,653
Securities held to maturity, Due after one year through five years, Amortized cost	2,477
Securities held to maturity, Due after five years through ten years, Amortized cost	21,125
Securities held to maturity, Due after ten years, Amortized cost	29,598
Total HTM, excluding MBS and asset-backed, Amortized cost	54,853
Total securities held to maturity, Amortized cost	148,761	88,514
Securities held to maturity, Due in one year or less, Fair value	1,654
Securities held to maturity, Due after one year through five years, Fair value	2,489
Securities held to maturity, Due after five years through ten years, Fair value	21,424
Securities held to maturity, Due after ten years, Fair value	30,245
Total HTM, excluding MBS and asset-backed, Fair value	55,812
Total securities held to maturity, Fair value	150,122	$ 90,809
Mortgage Backed and Asset Backed Securities [Member]
Schedule Of Available For Sale And Held To Maturity Securities [Line Items]
Securities held to maturity, Amortized cost	93,908
Securities held to maturity, Fair value	$ 94,310

Securities (Fair Value And The

Securities (Fair Value And The Unrealized Loss On Temporarily Impaired Securities) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value And The Unrealized Loss On Temporarily Impaired Securities [Line Items]
Held to maturity, Total, Unrealized losses	$ (1,028)	$ (95)
Total temporarily impaired, Less than 12 months, Fair value	137,990	37,845
Total temporarily impaired, More than 12 months, Fair Value	94,973	142,978
Total temporarily impaired, Total, Fair value	232,963	180,823
Total temporarily impaired, Less than 12 months, Unrealized losses	(2,479)	(141)
Total temporarily impaired, More than 12 months, Unrealized losses	(4,783)	(4,739)
Total temporarily impaired, Total, Unrealized losses	(7,262)	(4,880)
State And Municipal Securities [Member]
Fair Value And The Unrealized Loss On Temporarily Impaired Securities [Line Items]
Available for sale, 12 months or more, Fair value		12,515
Available for sale, Total, Fair value		12,515
Available for sale, 12 months or more, Unrealized losses		(293)
Available for sale, Total, Unrealized losses		(293)
Held to maturity, Less than 12 months, Fair value	6,726
Held to maturity, 12 months or more, Fair value	10,056	10,426
Held to maturity, Total, Fair value	16,782	10,426
Held to maturity, Less than 12 months, Unrealized losses	(351)
Held to maturity, 12 months or more, Unrealized losses	(102)	(95)
Held to maturity, Total, Unrealized losses	(453)	(95)
Asset-backed Securities [Member]
Fair Value And The Unrealized Loss On Temporarily Impaired Securities [Line Items]
Available for sale, 12 months or more, Fair value		8,708
Available for sale, Total, Fair value		8,708
Available for sale, 12 months or more, Unrealized losses		(280)
Available for sale, Total, Unrealized losses		(280)
Held to maturity, 12 months or more, Fair value	19,618
Held to maturity, Total, Fair value	19,618
Held to maturity, 12 months or more, Unrealized losses	(438)
Held to maturity, Total, Unrealized losses	(438)
Mortgage-backed securities - agency/residential [Member]
Fair Value And The Unrealized Loss On Temporarily Impaired Securities [Line Items]
Available for sale, Less than 12 months, Fair value	56,204	23,407
Available for sale, 12 months or more, Fair value	31,755	103,429
Available for sale, Total, Fair value	87,959	126,836
Available for sale, Less than 12 months, Unrealized losses	(800)	(92)
Available for sale, 12 months or more, Unrealized losses	(1,129)	(1,971)
Available for sale, Total, Unrealized losses	(1,929)	(2,063)
Held to maturity, Less than 12 months, Fair value	39,280
Held to maturity, 12 months or more, Fair value	25,838
Held to maturity, Total, Fair value	65,118
Held to maturity, Less than 12 months, Unrealized losses	(781)
Held to maturity, 12 months or more, Unrealized losses	(820)
Held to maturity, Total, Unrealized losses	(1,601)
Mortgage-backed securities - private/residential [Member]
Fair Value And The Unrealized Loss On Temporarily Impaired Securities [Line Items]
Available for sale, Less than 12 months, Fair value	274
Available for sale, Total, Fair value	274
Available for sale, Less than 12 months, Unrealized losses	(10)
Available for sale, Total, Unrealized losses	(10)
Corporate [Member]
Fair Value And The Unrealized Loss On Temporarily Impaired Securities [Line Items]
Available for sale, Less than 12 months, Fair value	27,176	11,505
Available for sale, Total, Fair value	27,176	11,505
Available for sale, Less than 12 months, Unrealized losses	(389)	(49)
Available for sale, Total, Unrealized losses	(389)	(49)
Collateralized Loan Obligations [Member]
Fair Value And The Unrealized Loss On Temporarily Impaired Securities [Line Items]
Available for sale, Less than 12 months, Fair value	8,330	2,933
Available for sale, Total, Fair value	8,330	2,933
Available for sale, Less than 12 months, Unrealized losses	(148)
Available for sale, Total, Unrealized losses	(148)
Trust Preferred [Member]
Fair Value And The Unrealized Loss On Temporarily Impaired Securities [Line Items]
Available for sale, 12 months or more, Fair value	7,706	7,900
Available for sale, Total, Fair value	7,706	7,900
Available for sale, 12 months or more, Unrealized losses	(2,294)	(2,100)
Available for sale, Total, Unrealized losses	$ (2,294)	$ (2,100)

Bank Stocks (Details)

Bank Stocks (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Bank Stocks Disclosure [Line Items]
Totals	$ 20,500	$ 14,822
Federal Reserve Bank Of Kansas City [Member]
Bank Stocks Disclosure [Line Items]
Totals	7,104	6,710
Other Bank Stocks Securities [Member]
Bank Stocks Disclosure [Line Items]
Totals	758	758
Federal Home Loan Bank Of Topeka [Member]
Bank Stocks Disclosure [Line Items]
Totals	$ 12,638	$ 7,354

Loans (Narrative) (Details)

Loans (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan	Dec. 31, 2013USD ($)
Loans [Abstract]
Purchase of performing loans	$ 50,100,000
Gross year-to-date interest income on nonaccrual loans	586,000	$ 657,000	$ 1,058,000
Income recognized on nonaccrual loans prior to impairment	90,000	5,000	249,000
Cash basis interest income	118,000	0	$ 0
Book balance of troubled debt restructurings	22,391,000	25,903,000
Specific reserves	$ 276,000	$ 208,000
Number of loans modified in troubled debt restructuring | loan	5	21
Additional amounts committed on a single loan classified as a trouble debt restructuring	$ 953,000	$ 1,038,000
Number of TDR's defaulted | loan	1	0
Troubled debt restructurings charge-off	$ 0	$ 0

Loans (Loans Held For Investmen

Loans (Loans Held For Investment By Loan Type) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Subtotal	$ 1,814,281	$ 1,541,813
Less: Deferred costs and (fees)	255	(379)
Loans, net of unearned fees	1,814,536	1,541,434
Less allowance for loan losses	(23,000)	(22,490)
Net loans, held for investment	1,791,536	1,518,944
Residential And Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Subtotal	1,281,701	1,049,315
Construction [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Subtotal	107,170	66,634
Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Subtotal	323,552	324,057
Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Subtotal	9,294	10,625
Consumer [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Subtotal	66,288	60,155
SBA [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Subtotal	25,645	30,025
Other Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Subtotal	$ 631	$ 1,002

Loans (Allowance For Loan Losse

Loans (Allowance For Loan Losses) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loans [Abstract]
Balance, beginning of period	$ 22,490	$ 21,005	$ 25,142
Provision for loan losses	96	14	296
Loans charged-off	(238)	(623)	(7,273)
Recoveries on loans previously charged-off	652	2,094	2,840
Balance, end of period	$ 23,000	$ 22,490	$ 21,005

Loans (Allowance For Loan Los62

Loans (Allowance For Loan Losses And Loans Held For Investment By Portfolio Segment) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, beginning of period	$ 22,490	$ 21,005	$ 25,142
Charge-offs	(238)	(623)	(7,273)
Recoveries	652	2,094	2,840
Provision (credit)	96	14	296
Balance, end of period	23,000	22,490	21,005
Allowance for Loan Losses, Individually evaluated				$ 293	$ 227
Allowance for Loan Losses, Collectively evaluated				22,707	22,263
Allowance for Loan Losses, Total	22,490	21,005	25,142	23,000	22,490
Loans, Individually evaluated				26,153	26,844
Loans, Collectively evaluated				1,788,383	1,514,590
Financing Receivable, Net, Total				1,814,536	1,541,434
Real Estate [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, beginning of period	19,607	18,475	19,550
Charge-offs	(21)	(23)	(5,780)
Recoveries	284	1,734	2,292
Provision (credit)	436	(579)	2,413
Balance, end of period	20,306	19,607	18,475
Allowance for Loan Losses, Individually evaluated				282	224
Allowance for Loan Losses, Collectively evaluated				20,024	19,383
Allowance for Loan Losses, Total	19,607	18,475	19,550	20,306	19,607
Loans, Individually evaluated				23,846	26,751
Loans, Collectively evaluated				1,489,211	1,230,289
Financing Receivable, Net, Total				1,513,057	1,257,040
Consumer And Installment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, beginning of period	39	52	76
Charge-offs	(12)	(38)	(35)
Recoveries	29	27	33
Provision (credit)	15	(2)	(22)
Balance, end of period	71	39	52
Allowance for Loan Losses, Individually evaluated					1
Allowance for Loan Losses, Collectively evaluated				71	38
Allowance for Loan Losses, Total	39	52	76	71	39
Loans, Individually evaluated				2	25
Loans, Collectively evaluated				5,716	2,799
Financing Receivable, Net, Total				5,718	2,824
Commercial & Industrial And Other [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance, beginning of period	2,844	2,478	5,516
Charge-offs	(205)	(562)	(1,458)
Recoveries	339	333	515
Provision (credit)	(355)	595	(2,095)
Balance, end of period	2,623	2,844	2,478
Allowance for Loan Losses, Individually evaluated				11	2
Allowance for Loan Losses, Collectively evaluated				2,612	2,842
Allowance for Loan Losses, Total	$ 2,844	$ 2,478	$ 5,516	2,623	2,844
Loans, Individually evaluated				2,305	68
Loans, Collectively evaluated				293,456	281,502
Financing Receivable, Net, Total				$ 295,761	$ 281,570

Loans (Schedule Of Impaired Loa

Loans (Schedule Of Impaired Loans) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Impaired [Line Items]
Impaired loans with no related allowance, Recorded Investment	$ 14,263	$ 15,964
Impaired loans with related allowance, Recorded Investment	11,890	10,880
Total Impaired Loans, Recorded Investment	26,153	26,844
Impaired loans with no related allowance, Unpaid Balance	16,356	17,983
Impaired loans with related allowance, Unpaid Balance	12,221	11,432
Total Impaired Loans, Unpaid Balance	28,577	29,415
Total Impaired Loans, Related Allowance	293	227
Impaired loans with no related allowance, Average Recorded Investment YTD	15,480	19,590
Impaired loans with related allowance, Average Recorded Investment YTD	10,974	4,807
Total Impaired Loans, Average Related Investment YTD	26,454	24,397
Impaired loans with no related allowance, Interest Income Recognized YTD	247	240
Impaired loans with related allowance, Interest Income Recognized YTD	419	444
Total Impaired Loans, Interest Income Recognized YTD	666	684
Commercial And Residential Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans with no related allowance, Recorded Investment	12,756	15,329
Impaired loans with related allowance, Recorded Investment	10,232	10,274
Total Impaired Loans, Recorded Investment	22,988	25,603
Impaired loans with no related allowance, Unpaid Balance	14,472	16,874
Impaired loans with related allowance, Unpaid Balance	10,472	10,507
Total Impaired Loans, Unpaid Balance	24,944	27,381
Total Impaired Loans, Related Allowance	268	201
Impaired loans with no related allowance, Average Recorded Investment YTD	14,194	18,792
Impaired loans with related allowance, Average Recorded Investment YTD	9,989	3,818
Total Impaired Loans, Average Related Investment YTD	24,183	22,610
Impaired loans with no related allowance, Interest Income Recognized YTD	242	220
Impaired loans with related allowance, Interest Income Recognized YTD	388	425
Total Impaired Loans, Interest Income Recognized YTD	630	645
Construction Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans with no related allowance, Recorded Investment	986
Total Impaired Loans, Recorded Investment	986
Impaired loans with no related allowance, Unpaid Balance	986
Total Impaired Loans, Unpaid Balance	986
Impaired loans with no related allowance, Average Recorded Investment YTD	789
Total Impaired Loans, Average Related Investment YTD	789
Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans with no related allowance, Recorded Investment		93
Impaired loans with related allowance, Recorded Investment	1,204	67
Total Impaired Loans, Recorded Investment	1,204	160
Impaired loans with no related allowance, Unpaid Balance		103
Impaired loans with related allowance, Unpaid Balance	1,220	330
Total Impaired Loans, Unpaid Balance	1,220	433
Total Impaired Loans, Related Allowance	11	2
Impaired loans with no related allowance, Average Recorded Investment YTD	19	265
Impaired loans with related allowance, Average Recorded Investment YTD	492	248
Total Impaired Loans, Average Related Investment YTD	511	513
Impaired loans with no related allowance, Interest Income Recognized YTD		10
Impaired loans with related allowance, Interest Income Recognized YTD	18	5
Total Impaired Loans, Interest Income Recognized YTD	18	15
Consumer Loans [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans with no related allowance, Recorded Investment	271	374
Impaired loans with related allowance, Recorded Investment	454	539
Total Impaired Loans, Recorded Investment	725	913
Impaired loans with no related allowance, Unpaid Balance	310	391
Impaired loans with related allowance, Unpaid Balance	529	595
Total Impaired Loans, Unpaid Balance	839	986
Total Impaired Loans, Related Allowance	14	24
Impaired loans with no related allowance, Average Recorded Investment YTD	307	297
Impaired loans with related allowance, Average Recorded Investment YTD	493	673
Total Impaired Loans, Average Related Investment YTD	800	970
Impaired loans with no related allowance, Interest Income Recognized YTD	5	10
Impaired loans with related allowance, Interest Income Recognized YTD	13	14
Total Impaired Loans, Interest Income Recognized YTD	18	24
Other [Member]
Financing Receivable, Impaired [Line Items]
Impaired loans with no related allowance, Recorded Investment	250	168
Total Impaired Loans, Recorded Investment	250	168
Impaired loans with no related allowance, Unpaid Balance	588	615
Total Impaired Loans, Unpaid Balance	588	615
Impaired loans with no related allowance, Average Recorded Investment YTD	171	236
Impaired loans with related allowance, Average Recorded Investment YTD		68
Total Impaired Loans, Average Related Investment YTD	$ 171	$ 304

Loans (Summary Of Past Due Loan

Loans (Summary Of Past Due Loans By Class) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-89 Days Past Due	$ 2,091	$ 1,381
Nonaccrual Loans	14,474	12,617
Total Nonaccrual and Past Due	16,565	13,998
Total Loans	1,814,536	1,541,434
Commercial And Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-89 Days Past Due	653	92
Nonaccrual Loans	11,905	11,872
Total Nonaccrual and Past Due	12,558	11,964
Total Loans	1,281,881	1,049,057
Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual Loans	986
Total Nonaccrual and Past Due	986
Total Loans	107,185	66,618
Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-89 Days Past Due	1,147	1,080
Nonaccrual Loans	874	18
Total Nonaccrual and Past Due	2,021	1,098
Total Loans	323,598	323,977
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-89 Days Past Due	291	66
Nonaccrual Loans	459	559
Total Nonaccrual and Past Due	750	625
Total Loans	66,297	60,140
Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-89 Days Past Due		143
Nonaccrual Loans	250	168
Total Nonaccrual and Past Due	250	311
Total Loans	$ 35,575	$ 41,642

Loans (Summary Of The Risk Cate

Loans (Summary Of The Risk Category Of Loans By Class Of Loans) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Subtotal	$ 1,814,281	$ 1,541,813
Less: Deferred costs and (fees)	255	(379)
Loans, net of unearned fees	1,814,536	1,541,434
Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	1,788,527	1,516,717
Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	25,754	25,096
Commercial And Residential Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	1,281,701	1,049,315
Less: Deferred costs and (fees)	180	(258)
Loans, net of unearned fees	1,281,881	1,049,057
Commercial And Residential Real Estate [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	1,260,134	1,027,792
Commercial And Residential Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	21,567	21,523
Construction Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	107,170	66,634
Less: Deferred costs and (fees)	15	(16)
Loans, net of unearned fees	107,185	66,618
Construction Loans [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	106,184	66,634
Construction Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	986
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	323,552	324,057
Less: Deferred costs and (fees)	46	(80)
Loans, net of unearned fees	323,598	323,977
Commercial Loans [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	322,650	322,920
Commercial Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	902	1,137
Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	66,288	60,155
Less: Deferred costs and (fees)	9	(15)
Loans, net of unearned fees	66,297	60,140
Consumer Loans [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	65,365	58,941
Consumer Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	923	1,214
Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	35,570	41,652
Less: Deferred costs and (fees)	5	(10)
Loans, net of unearned fees	35,575	41,642
Other [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	34,194	40,430
Other [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Subtotal	$ 1,376	$ 1,222

Loans (Loans By Class Modified

Loans (Loans By Class Modified As Troubled Debt Restructurings) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)loan
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	5	21
Pre-Modification Outstanding Recorded Investment	$ 1,017	$ 22,956
Post-Modification Outstanding Recorded Investment	$ 1,017	$ 22,956
Commercial And Residential Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1	13
Pre-Modification Outstanding Recorded Investment	$ 715	$ 22,408
Post-Modification Outstanding Recorded Investment	$ 715	$ 22,408
Commercial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	3	3
Pre-Modification Outstanding Recorded Investment	$ 300	$ 372
Post-Modification Outstanding Recorded Investment	$ 300	$ 372
Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan	1	4
Pre-Modification Outstanding Recorded Investment	$ 2	$ 90
Post-Modification Outstanding Recorded Investment	$ 2	$ 90
Other [Member]
Financing Receivable, Modifications [Line Items]
Number of Loans | loan		1
Pre-Modification Outstanding Recorded Investment		$ 86
Post-Modification Outstanding Recorded Investment		$ 86

Premises And Equipment (Narrati

Premises And Equipment (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Line Items]
Depreciation expense	$ 2,747,000	$ 2,563,000	$ 2,097,000
Rent expense	$ 2,213,000	$ 2,345,000	$ 2,825,000
Maximum [Member]
Property, Plant and Equipment [Line Items]
Options to extend the lease period	21 years
Minimum [Member]
Property, Plant and Equipment [Line Items]
Options to extend the lease period	5 years

Premises And Equipment (Summary

Premises And Equipment (Summary Of Cost, Accumulated Depreciation, And Amoritazation Of Premises And Equipment) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Subtotal	$ 78,511	$ 74,373
Accumulated depreciation and amortization	(30,203)	(28,436)
Total premises and equipment	48,308	45,937
Land [Member]
Property, Plant and Equipment [Line Items]
Subtotal	11,789	11,782
Buildings [Member]
Property, Plant and Equipment [Line Items]
Subtotal	45,568	42,773
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Subtotal	5,461	4,699
Leasehold Interest In Land [Member]
Property, Plant and Equipment [Line Items]
Subtotal	684	684
Equipment And Software[Member]
Property, Plant and Equipment [Line Items]
Subtotal	$ 15,009	$ 14,435

Premises And Equipment (Summa69

Premises And Equipment (Summary Of Future Minimum Rent Commitments) (Details) $ in Thousands	Dec. 31, 2015USD ($)
Premises And Equipment [Abstract]
2,016	$ 1,366
2,017	1,295
2,018	1,129
2,019	1,078
2,020	1,106
Thereafter	4,477
Total	$ 10,451

Other Intangible Assets (Schedu

Other Intangible Assets (Schedule Of Finite Lived Intangible Assets And Related Accumulated Amortization) (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)customer	Dec. 31, 2014USD ($)
Finite-Lived Intangible Assets [Line Items]
Intangible assets, net	$ 5,173	$ 7,154
Number of customer relationships acquired | customer	2
Core Deposits [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets	$ 62,975	62,975
Intangible asset accumulated amortization	(62,124)	(60,708)
Intangible assets, net	$ 851	2,267
Core Deposits [Member] | Maximum [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Useful life	15 years
Core Deposits [Member] | Minimum [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets, Useful life	10 years
Customer Relationship [Member]
Finite-Lived Intangible Assets [Line Items]
Intangible assets	$ 5,654	5,654
Intangible asset accumulated amortization	(1,332)	(767)
Intangible assets, net	$ 4,322	$ 4,887
Intangible assets, Useful life	10 years

Other Intangible Assets (Amorti

Other Intangible Assets (Amortization Of Intangible Assets) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other Intangible Assets [Abstract]
2,016	$ 958
2,017	794
2,018	718
2,019	641
2,020	565
Thereafter	1,497
Intangible assets, net	5,173	$ 7,154
Amortization expense	$ 1,981	$ 2,506	$ 2,818

Deposits (Narrative) (Details)

Deposits (Narrative) (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Time deposits in denominations of $100,000 or more	$ 30,194,000	$ 21,626,000
Brokered time deposits	78,403,000	38,244,000
Reciprocal time deposits	$ 1,202,000	$ 0

Deposits (Schedule Of Maturitie

Deposits (Schedule Of Maturities Of Time Deposits) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
2,016	$ 120,876
2,017	65,287
2,018	40,145
2,019	20,571
2,020	12,260
Time Deposits, Total	$ 259,139	$ 191,874

Securities Sold Under Agreeme74

Securities Sold Under Agreements To Repurchase (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Assets Sold under Agreements to Repurchase [Line Items]
Securities sold under agreement to repurchase, carrying value	$ 26,477,000	$ 33,508,000
Maximum [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Repurchase agreements, maturity period	4 days
Minimum [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Repurchase agreements, maturity period	1 day
Collateralized Mortgage Backed Securities [Member]
Assets Sold under Agreements to Repurchase [Line Items]
Securities sold under agreement to repurchase, carrying value	$ 29,059,000	$ 40,676,000

Securities Sold Under Agreeme75

Securities Sold Under Agreements To Repurchase (Information Pertaining To Securities Sold Under Agreement To Repurchase) (Details)	Dec. 31, 2015	Dec. 31, 2014
Securities Sold Under Agreements To Repurchase [Abstract]
Weighted-average interest rate at year-end	0.19%	0.19%

Securities Sold Under Agreeme76

Securities Sold Under Agreements To Repurchase (Summary Of Balances For Securities Sold Under Agreements To Repurchase) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Securities Sold Under Agreements To Repurchase [Abstract]
Average daily balance during the year	$ 24,531	$ 24,399	$ 36,357
Average interest rate during the year	0.18%	0.16%	0.13%
Maximum month-end balance during the year	$ 31,977	$ 33,508	$ 62,021

Federal Home Loan Bank Borrow77

Federal Home Loan Bank Borrowings (Narrative) (Details)	3 Months Ended	12 Months Ended
	Dec. 31, 2014USD ($)	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Debt Instrument [Line Items]
Outstanding borrowings	$ 160,300,000	$ 280,847,000	$ 160,300,000
FHLB outstanding borrowings	20,000,000	95,000,000	20,000,000
Total short-term borrowings, Principal	$ 140,300,000	$ 185,847,000	140,300,000
Prepayment penalty on debt extinguishment			$ 5,459,000	$ 629,000
Weighted average interest rate	3.07%		3.07%
Number of FHLB Loans | loan		3
Payments for Federal Home Loan Bank Advances	$ 90,000,000
Pledging and security agreement with FHLB	385,584,000	$ 454,748,000	$ 385,584,000
Remaining credit allowance for future borrowings	225,284,000	$ 173,901,000	225,284,000
Interest rate on the line of credit		0.48%
FHLB line of credit [Member]
Debt Instrument [Line Items]
Total short-term borrowings, Principal	$ 140,300,000	$ 185,847,000	$ 140,300,000
FHLB, interest rate	0.25%	0.48%	0.25%
FHLB term notes (fixed rate) [Member]
Debt Instrument [Line Items]
FHLB outstanding borrowings	$ 20,000,000	$ 70,000,000	$ 20,000,000
Number of FHLB Loans | loan		2
FHLB, Maturity date			Jan. 23, 2018
FHLB Term Notes (Variable Rate) [Member]
Debt Instrument [Line Items]
FHLB outstanding borrowings		$ 25,000,000
FHLB, Maturity date		Aug. 5, 2016
FHLB, interest rate		0.45%
Fixed Interest Rate Term Note 2.52% [Member] | FHLB term notes (fixed rate) [Member]
Debt Instrument [Line Items]
FHLB outstanding borrowings		$ 20,000,000
FHLB, Maturity date		Jan. 23, 2018
FHLB, interest rate		2.52%
Fixed Interest Rate Term Note 0.58% [Member] | FHLB term notes (fixed rate) [Member]
Debt Instrument [Line Items]
FHLB outstanding borrowings		$ 50,000,000
FHLB, Maturity date		Jun. 24, 2016
FHLB, interest rate		0.58%
Parent Company [Member]
Debt Instrument [Line Items]
Prepayment penalty on debt extinguishment				$ 629,000

Federal Home Loan Bank Borrow78

Federal Home Loan Bank Borrowings (Summary Of Borrowings) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Debt Instrument [Line Items]
Total short-term borrowings, Principal	$ 185,847,000	$ 140,300,000
Long-term borrowings	95,000,000	20,000,000
Total borrowings	280,847,000	160,300,000
FHLB line of credit [Member]
Debt Instrument [Line Items]
Total short-term borrowings, Principal	$ 185,847,000	$ 140,300,000
FHLB, interest rate	0.48%	0.25%
FHLB line of credit, Total Committed	$ 454,748,000	$ 385,584,000
FHLB term notes (fixed rate) [Member]
Debt Instrument [Line Items]
Long-term borrowings	$ 70,000,000	$ 20,000,000
FHLB term notes, interest rate, Range from	0.58%	2.52%
FHLB term notes, interest rate, Range to	2.52%
FHLB term notes, Maturity date, Earliest	2,016
FHLB term notes, Maturity date, Last	2,018
FHLB, Maturity date		Jan. 23, 2018
FHLB Term Notes (Variable Rate) [Member]
Debt Instrument [Line Items]
Long-term borrowings	$ 25,000,000
FHLB, interest rate	0.45%
FHLB, Maturity date	Aug. 5, 2016

Federal Home Loan Bank Borrow79

Federal Home Loan Bank Borrowings (Summary Of Borrowings On The FHLB Line Of Credit) (Details) - FHLB line of credit [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Average daily balance during the year	$ 130,152	$ 48,327	$ 34,570
Average interest rater during the year	0.28%	0.23%	0.19%
Maximum month-end balance during the year	$ 212,065	$ 140,300	$ 92,568

Income Taxes (Narrative) (Detai

Income Taxes (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Line Items]
Current taxes receivable	$ 1,770,000	$ 1,419,000
AMT credit carryforward		1,827,000
Net deferred tax assets valuation allowance	0	0
Federal [Member]
Income Taxes [Line Items]
Net operating loss carryforward		$ 0
State [Member]
Income Taxes [Line Items]
Net operating loss carryforward	$ 26,855,000
Maximum [Member] | State [Member]
Income Taxes [Line Items]
Net operating loss carryforward expiration year	2,031
Minimum [Member] | State [Member]
Income Taxes [Line Items]
Net operating loss carryforward expiration year	2,029

Income Taxes (Schedule Of Compo

Income Taxes (Schedule Of Components Of Income Tax Benefit) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Taxes [Abstract]
Current tax expense, Federal									$ 7,165	$ 4,116	$ 318
Current tax expense, State											297
Total current tax expense									7,165	4,116	615
Deferred tax expense, Federal									3,132	1,678	5,274
Deferred tax expense, State									973	442	467
Total deferred tax expense									4,105	2,120	5,741
Total tax expense	$ 2,988	$ 2,923	$ 2,798	$ 2,561	$ 294	$ 2,320	$ 1,879	$ 1,743	$ 11,270	$ 6,236	$ 6,356

Income Taxes (Reconciliation Of

Income Taxes (Reconciliation Of Effective Income Tax Rate From The Statutory Federal Rate) (Details)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income Taxes [Abstract]
Tax expense at statutory federal rate	35.00%	35.00%	35.00%
State tax, net of federal benefit	2.80%	2.60%	2.50%
Tax exempt income	(4.40%)	(6.60%)	(6.50%)
Other	0.10%	0.60%	0.20%
Effective income tax rate, Total	33.50%	31.60%	31.20%

Income Taxes (Schedule Of Defer

Income Taxes (Schedule Of Deferred Tax Assets And Liabilities) (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Income Taxes [Abstract]
Allowance for loan losses	$ 8,742,000	$ 8,548,000
Other real estate owned	54,000	1,428,000
Other assets and accruals	1,209,000	2,012,000
Unrealized loss on available for sale securities	1,106,000	592,000
Unrealized loss on securities transferred to held to maturity	906,000	783,000
Unrealized loss on cash flow hedges	935,000	543,000
Net operating loss, AMT and other tax attribute carryforwards	808,000	3,427,000
Intangible assets	806,000	583,000
Stock compensation and other	1,237,000	798,000
Deferred tax assets	15,803,000	18,714,000
Premises and equipment	4,451,000	4,241,000
Core deposit intangibles	323,000	862,000
Deferred loan costs	1,527,000	1,250,000
FHLB stock, prepaid assets, equity investments and other liabilities	1,590,000	1,373,000
Total deferred tax liabilities	7,891,000	7,726,000
Deferred Tax Assets, Net, Total	$ 7,912,000	$ 10,988,000

Subordinated Debentures And T84

Subordinated Debentures And Trust Preferred Securities (Narrative) (Details)	1 Months Ended		12 Months Ended
	Apr. 30, 2004USD ($)	Jun. 30, 2003USD ($)	Dec. 31, 2015USD ($)item	Dec. 31, 2014USD ($)
Subordinated Borrowing [Line Items]
Balance of subordinated debentures outstanding			$ 25,774,000	$ 25,774,000
Subordinated debentures outstanding weighted average cost, percent			3.15%	3.06%
Subordinated debenture maturity in years			30 years
Trust preferred securities			$ 25,000,000
Number of subordinated debentures issued | item			2
Subordinated debt, unpaid interest			$ 208,000	$ 202,000
Percent of Tier 1 capital, maximum			25.00%
Securities issued by the trusts qualify as Tier 2 capital threshold, percent			25.00%
Trusts' securities qualified as Tier 1 capital			$ 25,000,000	25,000,000
Deferred interest on debentures time period			60 months
Total assets			$ 2,368,525,000	$ 2,124,778,000
CenBank Trust III [Member]
Subordinated Borrowing [Line Items]
Balance of subordinated debentures outstanding	$ 15,464,000		$ 15,464,000
Current Rate			2.97%
Trust preferred securities	$ 15,000,000
Trust preferred securities, rate	2.65%
Date Issued			Apr. 8, 2004
Guaranty Capital Trust III [Member]
Subordinated Borrowing [Line Items]
Balance of subordinated debentures outstanding		$ 10,310,000	$ 10,310,000
Current Rate			3.42%
Trust preferred securities		$ 10,000,000
Trust preferred securities, rate		3.10%
Date Issued			Jun. 30, 2003
Minimum [Member]
Subordinated Borrowing [Line Items]
Debentures callable to subsequent time period in years			5 years
Maximum [Member]
Subordinated Borrowing [Line Items]
Debentures callable to subsequent time period in years			10 years
Limit on total assets to qualify as Tier 1 capital			$ 15,000,000,000
Total assets			$ 15,000,000,000
Maximum [Member] | CenBank Trust III [Member]
Subordinated Borrowing [Line Items]
Trust preferred securities interest payment, optional deferral period	60 months

Subordinated Debentures And T85

Subordinated Debentures And Trust Preferred Securities (Schedule Of Subordinated Debenture Issuance) (Details) - USD ($)		12 Months Ended
		Dec. 31, 2015	Jan. 15, 2016	Jan. 07, 2016	Dec. 31, 2014	Apr. 30, 2004	Jun. 30, 2003
Subordinated Borrowing [Line Items]
Subordinated Debt		$ 25,774,000			$ 25,774,000
CenBank Trust III [Member]
Subordinated Borrowing [Line Items]
Date Issued		Apr. 8, 2004
Subordinated Debt		$ 15,464,000				$ 15,464,000
Maturity Date		Apr. 15, 2034
Call Date	[1]	Apr. 15, 2016
Rate Adjuster		2.65%
Current Rate		2.97%
Next Rate Reset Date	[2]	Apr. 15, 2016
CenBank Trust III [Member] | Subsequent Event [Member]
Subordinated Borrowing [Line Items]
Current Rate			3.27%
Guaranty Capital Trust III [Member]
Subordinated Borrowing [Line Items]
Date Issued		Jun. 30, 2003
Subordinated Debt		$ 10,310,000					$ 10,310,000
Maturity Date		Jul. 7, 2033
Call Date	[1]	Apr. 7, 2016
Rate Adjuster		3.10%
Current Rate		3.42%
Next Rate Reset Date	[2]	Apr. 7, 2016
Guaranty Capital Trust III [Member] | Subsequent Event [Member]
Subordinated Borrowing [Line Items]
Current Rate				3.72%
[1]	Call date represents the earliest or next date the Company can call the debentures.
[2]	On January 7, 2016, the rate on the Guaranty Capital Trust III subordinated debentures reset to 3.72%. On January 15, 2016, the rate on the CenBank Trust III subordinated debentures reset to 3.27%.

Commitments (Details)

Commitments (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Concentration Risk [Line Items]
Commitments to extend credit, Variable	$ 307,463	$ 342,496
Commitments to extend credit, Fixed	61,184	41,742
Total commitments to extend credit	368,647	384,238
Standby letters of credit	$ 8,857	$ 11,474
Letters of credit issued expiration time period, maximum	1 year
Minimum [Member]
Concentration Risk [Line Items]
Fixed rate commitments to extend credit	2.35%
Maximum [Member]
Concentration Risk [Line Items]
Fixed rate commitments to extend credit	6.75%

Employee Benefit Plans (Narrati

Employee Benefit Plans (Narrative) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Employee Benefit Plans [Line Items]
Employee 401k maximum contribution of compensation	100.00%
Employer 401k matching contributions	$ 503,000	$ 471,000	$ 433,000
Unvested awards	590,755	620,075
Shares expected to vest	560,000
Performance based shares vesting, "maximum level"	85.00%
Total income tax effect recognized for share-based compensation arrangements	$ 1,041,000	$ 933,000	428,000
Recognized stock-based compensation expense	$ 2,739,000	2,454,000	1,125,000
Grant date fair value	$ 14.61
Fair value of vested awards	$ 2,250,000	1,704,000	1,329,000
Unrecognized expense on nonvested awards not yet recognized	$ 3,847,000
Weighted-average period of nonvested awards expected to be recognized over	1 year 8 months 12 days
Performance Shares [Member]
Employee Benefit Plans [Line Items]
Unvested awards	310,339
Shares expected to vest	290,000
Restricted Stock [Member]
Employee Benefit Plans [Line Items]
Grant date fair value of awards granted	$ 2,427,000	$ 5,761,000	$ 2,439,000
2005 Incentive Plan [Member]
Employee Benefit Plans [Line Items]
Number of grants authorized	1,700,000
Outstanding awards	568,909
Unvested awards		620,075
2015 Incentive Plan [Member]
Employee Benefit Plans [Line Items]
Number of grants authorized	935,000
Outstanding awards	21,846
Shares available for grant under Incentive Plan	913,154

Employee Benefit Plans - (Summa

Employee Benefit Plans - (Summary Of Unearned Stock Awards) (Details)	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Employee Benefit Plans [Abstract]
Beginning Balance, Unearned, Shares | shares	620,075
Awarded, Shares | shares	166,087
Forfeited, Shares | shares	(50,397)
Vested, Shares | shares	(145,010)
Ending Balance, Unearned, Shares | shares	590,755
Beginning Balance, Unearned, Weighted Average Fair Value on Award Date | $ / shares	$ 12.05
Awarded, Weighted Average Fair Value on Award Date | $ / shares	14.61
Forfeited, Weighted Average Fair Value on Award Date | $ / shares	12.75
Vested, Weighted Average Fair Value on Award Date | $ / shares	11.35
Ending Balance, Unearned, Weighted Average Fair Value on Award Date | $ / shares	$ 12.88

Related-Party Transactions (Det

Related-Party Transactions (Details)	12 Months Ended
	Dec. 31, 2015USD ($)loan	Dec. 31, 2014USD ($)
Related-Party Transactions [Abstract]
Deposits from related parties	$ 2,543,000	$ 862,000
Number of loans to related party | loan	1
Loans to related parties	$ 60,000	$ 0

Fair Value Measurements And F90

Fair Value Measurements And Fair Value Of Financial Instruments (Assets And Liabilities Measured At Fair Value On A Recurring Basis) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
State And Municipal Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	$ 34,713	$ 49,399
State And Municipal Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	2,673	17,082
State And Municipal Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	32,040	32,317
Mortgage-backed securities - agency/residential [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	129,017	201,902
Mortgage-backed securities - agency/residential [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	129,017	201,902
Mortgage-backed securities - private/residential [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	274	412
Mortgage-backed securities - private/residential [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	274	412
Asset-backed Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring		8,708
Asset-backed Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring		8,708
Corporate Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	65,291	64,717
Corporate Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	65,291	64,717
Collateralized Loan Obligations [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	8,330	2,933
Collateralized Loan Obligations [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	8,330	2,933
Trust Preferred [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	17,806	18,075
Trust Preferred [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Assets, Fair Value Disclosure, Recurring	17,806	18,075
Interest Rate Swap [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Liabilities, Fair Value Disclosure, Recurring	(2,558)	(1,526)
Interest Rate Swap [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Liabilities, Fair Value Disclosure, Recurring	$ (2,558)	$ (1,526)

Fair Value Measurements And F91

Fair Value Measurements And Fair Value Of Financial Instruments (Fair Value Measurements Using Significant Unobservable Inputs Level 3) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	$ 32,317
Ending Balance	32,040	$ 32,317
Significant Unobservable Inputs (Level 3) [Member] | State And Municipal Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Beginning Balance	32,317	24,167
Total unrealized gains (losses), Net income (loss)	3	3
Total unrealized gains (losses), Other comprehensive income (loss)		477
Sale, calls and prepayments		(250)
Transfers ro held for maturity	(280)
Transfers in and (out) of Level 3		7,920
Ending Balance	$ 32,040	$ 32,317

Fair Value Measurements And F92

Fair Value Measurements And Fair Value Of Financial Instruments (Quantitative Information About Level 3 Fair Value Measurements) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Total	$ 32,040	$ 32,317
Total Other Real Estate Owned	674	2,175
Discounted Cash Flow [Member] | State And Municipal Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Total	$ 32,040	32,037
Matrix Pricing [Member] | State And Municipal Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Total		$ 280
Maximum [Member] | Discounted Cash Flow [Member] | State And Municipal Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Discount rate	4.75%	4.75%
Minimum [Member] | Discounted Cash Flow [Member] | State And Municipal Securities [Member]
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]
Discount rate	2.05%	1.75%

Fair Value Measurements And F93

Fair Value Measurements And Fair Value Of Financial Instruments (Estimated Fair Values And Related Carrying Amounts Of Financial Instruments) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	$ 255,431	$ 346,146
Total securities held to maturity, Fair value	150,122	90,809
Bank stocks	20,500	14,822
Carrying Amount [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	26,711	32,441
Securities available for sale	255,431	346,146
Total securities held to maturity, Fair value	148,761	88,514
Bank stocks	20,500	14,822
Loans, net	1,791,536	1,518,944
Accrued interest receivable	6,554	5,934
Deposits	1,801,845	1,685,324
Federal funds purchased and securities sold under agreements to repurchase	26,477	33,508
Short-term borrowings	185,847	140,300
Subordinated debentures	25,774	25,774
Long-term borrowings	95,000	20,000
Accrued interest payable	508	375
Interest rate swap - cash flow hedge	2,502	1,526
Fair Value [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	26,711	32,441
Securities available for sale	255,431	346,146
Total securities held to maturity, Fair value	150,122	90,809
Loans, net	1,791,128	1,511,289
Accrued interest receivable	6,554	5,934
Deposits	1,800,112	1,684,011
Federal funds purchased and securities sold under agreements to repurchase	26,477	33,508
Short-term borrowings	185,847	140,300
Subordinated debentures	18,640	18,351
Long-term borrowings	95,353	20,735
Accrued interest payable	508	375
Interest rate swap - cash flow hedge	2,502	1,526
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	26,711	32,441
Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	223,391	313,829
Total securities held to maturity, Fair value	145,698	86,551
Accrued interest receivable	6,554	5,934
Deposits	1,800,112	1,684,011
Federal funds purchased and securities sold under agreements to repurchase	26,477	33,508
Short-term borrowings	185,847	140,300
Long-term borrowings	95,353	20,735
Accrued interest payable	508	375
Interest rate swap - cash flow hedge	2,502	1,526
Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Securities available for sale	32,040	32,317
Total securities held to maturity, Fair value	4,424	4,258
Loans, net	1,791,128	1,511,289
Subordinated debentures	$ 18,640	$ 18,351

Derivatives And Hedging Activ94

Derivatives And Hedging Activities (Narrative) (Details)	12 Months Ended
	Dec. 31, 2015USD ($)security	Dec. 31, 2014USD ($)security
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount designated as cash flow hedge	$ 50,000,000	$ 50,000,000
Amount reclassified from AOCI into interest expense	847,000
The amount of collateral posted in relation to the company's obligation to the swap counterparty	$ 5,052,000
Interest Rate Swap [Member] | Cash Flow Hedging [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Number of derivative instruments | security	2	2
Notional amount designated as cash flow hedge	$ 50,000,000	$ 50,000,000
Swap One [Member] | Cash Flow Hedging [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount designated as cash flow hedge	$ 25,000,000	$ 25,000,000
Fixed interest rate	2.46%	2.46%
Maturity date	Jun. 1, 2020	Jun. 1, 2020
Interest Rate Swap Two [Member] | Cash Flow Hedging [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Notional amount designated as cash flow hedge	$ 25,000,000	$ 25,000,000
Fixed interest rate	3.00%	3.00%
Maturity date	Mar. 1, 2021	Mar. 1, 2021

Derivatives And Hedging Activ95

Derivatives And Hedging Activities (Schedule Of Derivative Financial Instruments As Well As Their Classification On The Balance Sheet) (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Interest Rate Swap [Member] | Other Liabilities [Member] | Designated as Hedging Instrument [Member]
Derivatives, Fair Value [Line Items]
Derivative Liabilities	$ 2,558	$ 1,526

Derivatives And Hedging Activ96

Derivatives And Hedging Activities (Summary Of Interest Rate Swaps Designated As Cash Flow Hedges) (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Derivative [Line Items]
Notional amounts	$ 50,000,000	$ 50,000,000
Weighted average pay rates	2.73%	2.73%
Weighted average receive rates	3 month LIBOR
Weighted average maturity	4 years 10 months 24 days	5 years 10 months 24 days
Interest Rate Swap [Member]
Derivative [Line Items]
Unrealized gains (losses)	$ (2,558,000)	$ (1,526,000)

Derivatives And Hedging Activ97

Derivatives And Hedging Activities (Schedule Of Derivative Financial Instruments On Both Comprehensive Income And Net Income) (Details) - Interest Rate Swap [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Derivative Instruments, Gain (Loss) [Line Items]
Gain or (Loss) Recognized in OCI on Derivative - net of tax	$ (775)	$ (1,234)
Interest Expense [Member]
Derivative Instruments, Gain (Loss) [Line Items]
Gain or (Loss) Reclassified from Accumulated OCI into Income (Effective Portion) - net of tax	$ 135

Regulatory Capital Matters (Det

Regulatory Capital Matters (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-Based Capital, Amount	$ 224,305
Common Equity Tier 1 Risk-Based Capital, Ratio	10.94%
Common Equity Tier 1 Risk-Based Capital, Minimum Capital Requirement, Amount	$ 92,237
Common Equity Tier 1 Risk-Based Capital, Minimum Capital Requirement, Ratio	4.50%
Tier 1 capital to risk weighted assets, Amount	$ 248,283	$ 228,745
Tier 1 capital to risk weighted assets, Ratio	12.11%	12.60%
Tier 1 capital to risk weighted assets, Minimum Capital Adequacy Requirement, Amount	$ 122,983	$ 72,622
Tier 1 capital to risk weighted assets, Minimum Capital Adequacy Requirement, Ratio	6.00%	4.00%
Total capital to risk weighted assets, Amount	$ 271,404	$ 251,366
Total capital to risk weighted assets, Ratio	13.24%	13.85%
Total capital to risk weighted assets, Minimum Capital Adequacy Requirement, Amount	$ 163,977	$ 145,245
Total capital to risk weighted assets, Minimum Capital Adequacy Requirement, Ratio	8.00%	8.00%
Leverage Ratio, Amount	$ 248,283	$ 228,745
Leverage Ratio, Ratio	10.68%	11.10%
Leverage Ratio, Minimum Capital Adequacy Requirement, Amount	$ 92,962	$ 82,442
Leverage Ratio, Minimum Capital Requirement, Ratio	4.00%	4.00%
Guaranty Bank And Trust Company [Member]
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Common Equity Tier 1 Risk-Based Capital, Amount	$ 245,054
Common Equity Tier 1 Risk-Based Capital, Ratio	11.96%
Common Equity Tier 1 Risk-Based Capital, Minimum Capital Requirement, Amount	$ 92,194
Common Equity Tier 1 Risk-Based Capital, Minimum Capital Requirement, Ratio	4.50%
Common Equity Tier 1 Risk-Based Capital, Minimum Requirement to be Well Capitalized, Amount	$ 133,169
Common Equity Tier 1 Risk-Based Capital, Minimum Requirement to be Well Capitalized, Ratio	6.50%
Tier 1 capital to risk weighted assets, Amount	$ 245,054	$ 223,619
Tier 1 capital to risk weighted assets, Ratio	11.96%	12.33%
Tier 1 capital to risk weighted assets, Minimum Capital Adequacy Requirement, Amount	$ 122,925	$ 72,549
Tier 1 capital to risk weighted assets, Minimum Capital Adequacy Requirement, Ratio	6.00%	4.00%
Tier 1 capital to risk weighted assets, Minimum Requirement to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 163,900	$ 108,823
Tier 1 capital to risk weighted assets, Minimum Requirement to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	8.00%	6.00%
Total capital to risk weighted assets, Amount	$ 268,176	$ 246,240
Total capital to risk weighted assets, Ratio	13.09%	13.58%
Total capital to risk weighted assets, Minimum Capital Adequacy Requirement, Amount	$ 163,900	$ 145,097
Total capital to risk weighted assets, Minimum Capital Adequacy Requirement, Ratio	8.00%	8.00%
Total capital to risk weighted assets, Minimum Requirement to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 204,875	$ 181,371
Total capital to risk weighted assets, Minimum Requirement to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	10.00%	10.00%
Leverage Ratio, Amount	$ 245,054	$ 223,619
Leverage Ratio, Ratio	10.55%	10.86%
Leverage Ratio, Minimum Capital Adequacy Requirement, Amount	$ 92,916	$ 82,356
Leverage Ratio, Minimum Capital Requirement, Ratio	4.00%	4.00%
Leverage Ratio, Minimum Requirement to be Well Capitalized Under Prompt Corrective Action Provisions, Amount	$ 116,145	$ 102,945
Leverage Ratio, Minimum Requirement to be Well Capitalized Under Prompt Corrective Action Provisions, Ratio	5.00%	5.00%

Parent Company Only Condensed99

Parent Company Only Condensed Financial Information (Schedule Of Condensed Balance Sheets) (Details) - USD ($)		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Other assets		$ 22,522,000	$ 26,189,000
Total assets		2,368,525,000	2,124,778,000
Subordinated debentures		25,774,000	25,774,000
Total liabilities		2,146,886,000	1,917,839,000
Common stock	[1]	24,000	24,000
Common stock—additional paid-in capital		712,310,000	709,341,000
Accumulated deficit		(382,147,000)	(396,172,000)
Accumulated other comprehensive loss		(4,805,000)	(3,127,000)
Treasury stock		(103,743,000)	(103,127,000)
Total stockholders' equity		221,639,000	206,939,000	$ 189,394,000	$ 188,200,000
Total liabilities and stockholders' equity		2,368,525,000	2,124,778,000
Parent Company [Member]
Cash		3,739,000	4,670,000
Investment in subsidiaries		242,320,000	226,813,000
Other assets		2,827,000	2,619,000
Total assets		248,886,000	234,102,000
Subordinated debentures		25,774,000	25,774,000
Other liabilities		1,473,000	1,389,000
Total liabilities		27,247,000	27,163,000
Common stock		24,000	24,000
Common stock—additional paid-in capital		712,310,000	709,341,000
Accumulated deficit		(382,147,000)	(396,172,000)
Accumulated other comprehensive loss		(4,805,000)	(3,127,000)
Treasury stock		(103,743,000)	(103,127,000)
Total stockholders' equity		221,639,000	206,939,000
Total liabilities and stockholders' equity		$ 248,886,000	$ 234,102,000
[1]	Common stock-$0.001 par value; 30,000,000 shares authorized; 23,992,596 shares issued and 21,704,852 shares outstanding at December 31, 2015 (includes 590,755 shares of unvested restricted stock); 23,876,906 shares issued and 21,628,873 shares outstanding at December 31, 2014 (includes 620,075 shares of unvested restricted stock).

Parent Company Only Condense100

Parent Company Only Condensed Financial Information (Schedule Of Condensed Statements Of Operations) (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest expense	$ 1,598	$ 1,457	$ 1,219	$ 1,077	$ 1,704	$ 1,720	$ 1,661	$ 1,622	$ 5,351	$ 6,707	$ 7,068
Salaries and benefits									33,564	32,766	29,581
Income tax benefit (expense)	2,988	2,923	2,798	2,561	294	2,320	1,879	1,743	11,270	6,236	6,356
Net income	$ 5,891	$ 6,002	$ 5,477	$ 5,084	$ 1,215	$ 4,671	$ 4,084	$ 3,542	22,454	13,512	14,029
Other comprehensive income (loss)									(1,678)	5,827	(12,119)
Total comprehensive income									20,776	19,339	1,910
Parent Company [Member]
Management fee- subsidiary bank									5,129	4,466	3,933
Dividends from subsidiary bank									8,400		17,086
Other									28	41	55
Total income									13,557	4,507	21,074
Interest expense									814	800	1,122
Salaries and benefits									3,325	3,155	2,402
Professional services									1,779	1,917	1,824
Other expenses									953	813	1,486
Total expenses									6,871	6,685	6,834
Loss before federal income taxes and equity in undistributed net income of subsidiaries									6,686	(2,178)	14,240
Income tax benefit (expense)									495	822	1,073
Income (loss) before equity in undistributed net income of subsidiaries									7,181	(1,356)	15,313
Equity in undistributed income of subsidiaries									15,273	14,868	(1,284)
Net income									22,454	13,512	14,029
Other comprehensive income (loss)									(1,678)	5,827	(12,119)
Total comprehensive income									$ 20,776	$ 19,339	$ 1,910

Parent Company Only Condense101

Parent Company Only Condensed Financial Information (Schedule Of Condensed Statement Of Cash Flows) (Details) - USD ($)	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net income	$ 5,891,000	$ 6,002,000	$ 5,477,000	$ 5,084,000	$ 1,215,000	$ 4,671,000	$ 4,084,000	$ 3,542,000	$ 22,454,000	$ 13,512,000	$ 14,029,000
Depreciation									2,747,000	2,563,000	2,097,000
Equity based compensation									2,739,000	2,454,000	1,125,000
Interest receivable and other assets									(1,120,000)	(3,650,000)	(217,000)
Prepayment penalty on debt extinguishment										5,459,000	629,000
Net cash used by operating activities									33,282,000	27,872,000	26,339,000
Net cash used by (from) investing activities									(260,155,000)	(209,795,000)	(194,326,000)
Repurchase of common stock									(616,000)	(455,000)	(275,000)
Tax effect of restricted stock vesting									151,000
Redemption of subordinated debentures											(16,094,000)
Stockholder dividends									(8,429,000)	(4,190,000)	(1,566,000)
Net cash used by financing activities									221,143,000	186,287,000	32,847,000
Net change in cash and cash equivalents									(5,730,000)	4,364,000	(135,140,000)
Cash and cash equivalents, beginning of period				32,441,000				28,077,000	32,441,000	28,077,000	163,217,000
Cash and cash equivalents, end of period	26,711,000				32,441,000				26,711,000	32,441,000	28,077,000
Parent Company [Member]
Net income									22,454,000	13,512,000	14,029,000
Equity based compensation									990,000	817,000	407,000
Interest receivable and other assets									(168,000)	4,165,000	(544,000)
Other liabilities									84,000	156,000	(326,000)
Equity in income of consolidated subsidiaries									(15,273,000)	(14,868,000)	1,284,000
Prepayment penalty on debt extinguishment											629,000
Net cash used by operating activities									$ 8,087,000	$ 3,782,000	$ 15,479,000
Net cash used by (from) investing activities
Repurchase of common stock									$ (616,000)	$ (455,000)	$ (275,000)
Tax effect of restricted stock vesting									27,000
Redemption of subordinated debentures											(16,094,000)
Stockholder dividends									(8,429,000)	(4,190,000)	(1,566,000)
Net cash used by financing activities									(9,018,000)	(4,645,000)	(17,935,000)
Net change in cash and cash equivalents									(931,000)	(863,000)	(2,456,000)
Cash and cash equivalents, beginning of period				$ 4,670,000				$ 5,533,000	4,670,000	5,533,000	7,989,000
Cash and cash equivalents, end of period	$ 3,739,000				$ 4,670,000				$ 3,739,000	$ 4,670,000	$ 5,533,000

Quarterly Results Of Operati102

Quarterly Results Of Operations (Narrative) (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2014	Dec. 31, 2013
Quarterly Results Of Operations [Abstract]
Prepayment of FHLB advance	$ 90,000
Prepayment penalty on debt extinguishment		$ 5,459	$ 629

Quarterly Results Of Operati103

Quarterly Results Of Operations (Schedule Of Quarterly Results Of Operations) (Details) $ / shares in Units, $ in Thousands	May. 20, 2013	Dec. 31, 2015USD ($)$ / shares	Sep. 30, 2015USD ($)$ / shares	Jun. 30, 2015USD ($)$ / shares	Mar. 31, 2015USD ($)$ / shares	Dec. 31, 2014USD ($)$ / shares	Sep. 30, 2014USD ($)$ / shares	Jun. 30, 2014USD ($)$ / shares	Mar. 31, 2014USD ($)$ / shares	Dec. 31, 2015USD ($)$ / shares		Dec. 31, 2014USD ($)$ / shares		Dec. 31, 2013USD ($)$ / shares
Quarterly Results Of Operations [Abstract]
Interest income		$ 21,454	$ 20,863	$ 20,159	$ 19,854	$ 19,384	$ 19,529	$ 18,726	$ 17,881	$ 82,330		$ 75,520		$ 70,638
Interest expense		1,598	1,457	1,219	1,077	1,704	1,720	1,661	1,622	5,351		6,707		7,068
Net interest income		19,856	19,406	18,940	18,777	17,680	17,809	17,065	16,259	76,979		68,813		63,570
Provision for loan losses		(8)	14	113	(23)	(1)	(3)	24	(6)	96		14		296
Net interest income, after provision for loan losses		19,864	19,392	18,827	18,800	17,681	17,812	17,041	16,265	76,883		68,799		63,274
Noninterest income		4,262	4,399	4,404	4,115	4,862	4,338	3,837	3,658	17,180		16,695		13,799
Noninterest expense		15,247	14,866	14,956	15,270	21,034	15,159	14,915	14,638	60,339		65,746		56,688
Income before income taxes		8,879	8,925	8,275	7,645	1,509	6,991	5,963	5,285	33,724		19,748		20,385
Income tax benefit (expense)		2,988	2,923	2,798	2,561	294	2,320	1,879	1,743	11,270		6,236		6,356
Net income		$ 5,891	$ 6,002	$ 5,477	$ 5,084	$ 1,215	$ 4,671	$ 4,084	$ 3,542	$ 22,454		$ 13,512		$ 14,029
Basic earnings per common share | $ / shares		$ 0.28	$ 0.28	$ 0.26	$ 0.24	$ 0.06	$ 0.22	$ 0.19	$ 0.17	$ 1.07	[1]	$ 0.64	[1]	$ 0.67	[1]
Diluted earning per common share | $ / shares		$ 0.28	$ 0.28	$ 0.26	$ 0.24	$ 0.06	$ 0.22	$ 0.19	$ 0.17	$ 1.06	[2]	$ 0.64	[2]	$ 0.67	[2]
Reverse stock split ratio	0.2
[1]	Share and per share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.
[2]	Share and per share amounts have been adjusted to reflect the Company's 1-for-5 reverse stock split on May 20, 2013.