TrustCo Bank Corp NY (TRST) 10-Q 7 Aug 15 2015 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Jul. 31, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	TRUSTCO BANK CORP N Y
Entity Central Index Key	357,301
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		95,148,720
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2015

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest and dividend income:
Interest and fees on loans	$ 35,343	$ 33,614	$ 70,326	$ 66,488
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises	366	381	578	887
State and political subdivisions	23	44	48	112
Mortgage-backed securities and collateralized mortgage obligations-residential	2,276	3,299	4,669	6,377
Corporate bonds	0	2	1	61
Small Business Administration-guaranteed participation securities	503	539	1,025	1,095
Mortgage-backed securities and collateralized mortgage obligations-commercial	38	38	75	76
Other securities	4	4	8	8
Total interest and dividends on securities available for sale	3,210	4,307	6,404	8,616
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential	480	577	958	1,202
Corporate bonds	154	154	308	308
Total interest on held to maturity securities	634	731	1,266	1,510
Federal Reserve Bank and Federal Home Loan Bank stock	118	128	234	261
Interest on federal funds sold and other short-term investments	423	376	823	727
Total interest income	39,728	39,156	79,053	77,602
Interest on deposits:
Interest-bearing checking	111	89	216	173
Savings	599	592	1,257	1,355
Money market deposit accounts	547	618	1,164	1,217
Time deposits	2,500	2,035	4,934	3,986
Interest on short-term borrowings	300	342	646	735
Total interest expense	4,057	3,676	8,217	7,466
Net interest income	35,671	35,480	70,836	70,136
Provision for loan losses	800	1,500	1,600	3,000
Net interest income after provision for loan losses	34,871	33,980	69,236	67,136
Noninterest income:
Trustco financial services income	1,478	1,405	3,131	2,915
Fees for services to customers	2,691	2,732	5,215	5,253
Net gain on securities transactions	0	0	249	6
Other	285	368	482	2,090
Total noninterest income	4,454	4,505	9,077	10,264
Noninterest expenses:
Salaries and employee benefits	8,164	8,012	16,645	15,604
Net occupancy expense	3,878	4,110	7,986	8,369
Equipment expense	1,803	1,823	3,745	3,575
Professional services	2,066	1,438	3,573	2,724
Outsourced services	1,425	1,425	2,850	2,750
Advertising expense	733	657	1,333	1,256
FDIC and other insurance	1,017	1,000	2,082	1,904
Other real estate expense (income), net	201	(1,688)	625	(833)
Other	2,844	2,660	5,149	4,889
Total noninterest expenses	22,131	19,437	43,988	40,238
Income before taxes	17,194	19,048	34,325	37,162
Income taxes	6,467	7,240	12,883	14,343
Net income	$ 10,727	$ 11,808	$ 21,442	$ 22,819
Net income per share:
Basic (in dollars per share)	$ 0.113	$ 0.125	$ 0.226	$ 0.241
Diluted (in dollars per share)	$ 0.113	$ 0.125	$ 0.225	$ 0.241

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 10,727	$ 11,808	$ 21,442	$ 22,819
Net unrealized holding (loss) gain on securities available for sale	(5,482)	11,429	(2,173)	18,884
Reclassification adjustments for net gain recognized in income	0	0	(249)	(6)
Tax effect	2,193	(4,517)	971	(7,543)
Net unrealized gain (loss) on securities available for sale, net of tax	(3,289)	6,912	(1,451)	11,335
Amortization of net actuarial loss (gain)	15	(74)	10	(146)
Amortization of prior service cost (credit)	67	(45)	45	(90)
Tax effect	(33)	48	(22)	93
Amortization of net actuarial loss (gain) and prior service cost (credit) on pension and postretirement plans, net of tax	49	(71)	33	(143)
Other comprehensive (loss) income, net of tax	(3,240)	6,841	(1,418)	11,192
Comprehensive income	$ 7,487	$ 18,649	$ 20,024	$ 34,011

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS:
Cash and due from banks	$ 37,574	$ 43,505
Federal funds sold and other short term investments	641,011	627,943
Total cash and cash equivalents	678,585	671,448
Securities available for sale	689,663	676,759
Held to maturity securities (fair value 2015 $67,689; 2014 $75,342)	63,543	70,946
Federal Reserve Bank and Federal Home Loan Bank stock	9,480	9,228
Loans, net of deferred fees and costs	3,242,948	3,158,332
Less: Allowance for loan losses	45,571	46,327
Net loans	3,197,377	3,112,005
Bank premises and equipment, net	38,100	38,565
Other assets	64,589	65,488
Total assets	4,741,337	4,644,439
Deposits:
Demand	355,783	331,425
Interest-bearing checking	713,001	682,210
Savings accounts	1,250,154	1,216,831
Money market deposit accounts	633,239	638,542
Time deposits	1,185,264	1,163,233
Total deposits	4,137,441	4,032,241
Short-term borrowings	170,750	189,116
Accrued expenses and other liabilities	30,687	29,638
Total liabilities	4,338,878	4,250,995
SHAREHOLDERS' EQUITY:
Capital stock par value $1; 150,000,000 shares authorized; 98,964,052 and 98,944,623 shares issued at June 30, 2015 and December 31, 2014, respectively	98,964	98,945
Surplus	171,988	172,353
Undivided profits	175,721	166,745
Accumulated other comprehensive loss, net of tax	(5,927)	(4,509)
Treasury stock at cost - 3,908,037 and 4,087,295 shares at June 30, 2015 and December 31, 2014, respectively	(38,287)	(40,090)
Total shareholders' equity	402,459	393,444
Total liabilities and shareholders' equity	$ 4,741,337	$ 4,644,439

Consolidated Statements of Fin5

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS:
Held to maturity securities, fair value	$ 67,689	$ 75,342
SHAREHOLDERS' EQUITY:
Capital stock, par value (in dollars per share)	$ 1	$ 1
Capital stock, shares authorized (in shares)	150,000,000	150,000,000
Capital stock, shares issued (in shares)	98,964,052	98,944,623
Treasury stock, at cost (in shares)	3,908,037	4,087,295

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Capital Stock [Member]	Surplus [Member]	Undivided Profits [Member]	Accumulated Other Comprehensive Loss [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2013	$ 98,927	$ 173,144	$ 147,432	$ (13,803)	$ (43,887)	$ 361,813
Net income	0	0	22,819	0	0	22,819
Other comprehensive income (loss), net of tax	0	0	0	11,192	0	11,192
Cash dividend declared	0	0	(12,419)	0	0	(12,419)
Sale of treasury stock	0	(548)	0	0	1,987	1,439
Stock based compensation expense	0	173	0	0	0	173
Balance at Jun. 30, 2014	98,927	172,769	157,832	(2,611)	(41,900)	385,017
Balance at Dec. 31, 2014	98,945	172,353	166,745	(4,509)	(40,090)	393,444
Net income	0	0	21,442	0	0	21,442
Other comprehensive income (loss), net of tax	0	0	0	(1,418)	0	(1,418)
Cash dividend declared	0	0	(12,466)	0	0	(12,466)
Stock options exercised and related tax benefits	19	80	0	0	0	99
Purchase of treasury stock	0	0	0	0	(99)	(99)
Sale of treasury stock	0	(541)	0	0	1,902	1,361
Stock based compensation expense	0	96	0	0	0	96
Balance at Jun. 30, 2015	$ 98,964	$ 171,988	$ 175,721	$ (5,927)	$ (38,287)	$ 402,459

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]
Cash dividend declared (in dollars per share)	$ 0.1312	$ 0.1312
Purchase of treasury stock (in shares)	14,881
Sale of treasury stock (in shares)	194,139	202,072
Stock options exercised and related tax (in shares)	19,429

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Cash flows from operating activities:
Net income	$ 21,442	$ 22,819
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	2,331	2,432
Net gain on sale of other real estate owned	(302)	(2,482)
Writedown of other real estate owned	350	998
Net gain on sale of building held for sale	0	(1,556)
Provision for loan losses	1,600	3,000
Deferred tax expense	167	1,508
Stock based compensation expense	96	173
Net gain on sale of bank premises and equipment	0	(1)
Net gain on sales and calls of securities	(249)	(6)
Decrease in taxes receivable	1,815	1,265
Increase in interest receivable	(7)	(152)
Decrease in interest payable	(33)	(2)
Increase in other assets	(405)	(2,561)
Increase (decrease) in accrued expenses and other liabilities	1,072	(1,009)
Total adjustments	6,435	1,607
Net cash provided by operating activities	27,877	24,426
Cash flows from investing activities:
Proceeds from sales and calls of securities available for sale	81,516	180,623
Proceeds from calls and maturities of held to maturity securities	7,403	8,289
Purchases of securities available for sale	(98,092)	(118,755)
Proceeds from maturities of securities available for sale	1,499	9,000
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock	(252)	(451)
Net increase in loans	(90,557)	(107,000)
Net proceeds from sale of building held for sale	0	4,745
Proceeds from dispositions of other real estate owned	3,870	7,230
Proceeds from dispositions of bank premises and equipment	66	53
Purchases of bank premises and equipment	(1,932)	(4,160)
Net cash used in investing activities	(96,479)	(20,426)
Cash flows from financing activities:
Net increase in deposits	105,200	68,116
Net decrease in short-term borrowings	(18,366)	(22,646)
Proceeds from exercise of stock options and related tax benefits	99	0
Proceeds from sale of treasury stock	1,361	1,439
Purchases of treasury stock	(99)	0
Dividends paid	(12,456)	(12,405)
Net cash provided by financing activities	75,739	34,504
Net increase in cash and cash equivalents	7,137	38,504
Cash and cash equivalents at beginning of period	671,448	583,044
Cash and cash equivalents at end of period	678,585	621,548
Cash paid during the year for:
Interest paid	8,250	7,468
Income taxes paid	11,059	13,142
Other non cash items:
Transfer of loans to other real estate owned	3,585	5,880
Transfer of other real estate owned to fixed assets	0	568
Increase in dividends payable	10	14
Change in unrealized gain (loss) on securities available for sale-gross of deferred taxes	(2,422)	18,878
Change in deferred tax effect on unrealized gain (loss) on securities available for sale	971	(7,543)
Amortization of net actuarial gain (loss) and prior service credit on pension and postretirement plans	55	(236)
Change in deferred tax effect of amortization of net actuarial loss and prior service cost (credit)	$ (22)	$ 93

Financial Statement Presentatio

Financial Statement Presentation	6 Months Ended
	Jun. 30, 2015
Financial Statement Presentation [Abstract]
Financial Statement Presentation	(1) Financial Statement Presentation The unaudited Consolidated Interim Financial Statements of TrustCo Bank Corp NY (the “Company” or “TrustCo”) include the accounts of the subsidiaries after elimination of all significant intercompany accounts and transactions. Prior period amounts are reclassified when necessary to conform to the current period presentation. The net income reported for the three months and six months ended June 30, 2015 is not necessarily indicative of the results that may be expected for the year ending December 31, 2015, or any interim periods. These financial statements consider events that occurred through the date of filing. In the opinion of the management of the Company, the accompanying unaudited Consolidated Interim Financial Statements contain all recurring adjustments necessary to present fairly the financial position as of June 30, 2015, the results of operations for the three months and six months ended June 30, 2015 and 2014, and the cash flows for the six months ended June 30, 2015 and 2014. The accompanying Consolidated Interim Financial Statements should be read in conjunction with the Company’s year-end Consolidated Financial Statements, including notes thereto, which are included in Company's 2014 Annual Report on Form 10-K for the year ended December 31, 2014. The accompanying consolidated financial statements have been prepared in accordance with the instructions to Form 10-Q and, therefore, do not include all information and notes necessary for a complete presentation of financial position, results of operations and cash flow activity required in accordance with accounting principles generally accepted in the United States.

Earnings Per Share

Earnings Per Share	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share	(2) Earnings Per Share The Company computes earnings per share in accordance with Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”) Topic 260, Earnings Per Share Determining Whether Instruments Granted in Share-Based Payment Transactions Are Participating Securities, Participating securities under this statement include the unvested employees’ and directors’ restricted stock awards with time-based vesting, which received nonforfeitable dividend payments. These awards settled in 2014 and as of June 30, 2015, the Company no longer has unvested restricted stock awards that were previously considered participating securities. As of June 30, 2015, there are no other awards that are considered participating securities. A reconciliation of the component parts of earnings per share for the three months and six months ended June 30, 2015 and 2014 is as follows: (In thousands except per share data) For the three months ended For the six months ended 2015 2014 2015 2014 Net income $ 10,727 11,808 $ 21,442 22,819 Less: Net income allocated to participating securities - 13 - 26 Net income allocated to common shareholders $ 10,727 11,795 $ 21,442 22,793 Basic EPS: Distributed earnings allocated to common stock $ 6,238 6,213 $ 12,466 12,419 Undistributed earnings allocated to common stock 4,489 5,582 8,976 10,374 Net income allocated to common shareholders $ 10,727 11,795 $ 21,442 22,793 Weighted average common shares outstanding including participating securities 95,056 94,665 95,002 94,642 Less: Participating securities - 106 - 106 Weighted average common shares 95,056 94,559 95,002 94,536 Basic EPS $ 0.113 0.125 $ 0.226 0.241 Diluted EPS: Net income allocated to common shareholders $ 10,727 11,795 $ 21,442 22,793 Weighted average common shares for basic EPS 95,056 94,559 95,002 94,536 Effect of Dilutive Securities: Stock Options 134 116 130 122 Weighted average common shares including potential dilutive shares 95,190 94,675 95,132 94,658 Diluted EPS $ 0.113 0.125 $ 0.225 0.241 For both the three and six months ended June 30, 2015, the number of antidilutive stock options excluded from diluted earnings per share was approximately 1.4 million. For the three and six months ended June 30, 2014 the number of antidilutive stock options excluded from diluted earnings per share was approximately 2.4 million .

Benefit Plans

Benefit Plans	6 Months Ended
	Jun. 30, 2015
Benefit Plans [Abstract]
Benefit Plans	(3) Benefit Plans The table below outlines the components of the Company's net periodic benefit recognized during the three and six months ended June 30, 2015 and 2014 for its pension and other postretirement benefit plans: For the three months ended June 30, Pension Benefits Other Postretirement Benefits (dollars in thousands) 2015 2014 2015 2014 Service cost $ 15 18 39 15 Interest cost 330 336 64 32 Expected return on plan assets (684 ) (609 ) (180 ) (169 ) Amortization of net loss (gain) 121 - (106 ) (74 ) Amortization of prior service cost (credit) - - 67 (45 ) Net periodic benefit $ (218 ) (255 ) (116 ) (241 ) For the six months ended June 30, Pension Benefits Other Postretirement Benefits (dollars in thousands) 2015 2014 2015 2014 Service cost $ 30 36 78 29 Interest cost 660 672 129 64 Expected return on plan assets (1,368 ) (1,218 ) (361 ) (338 ) Amortization of net loss (gain) 81 - (71 ) (146 ) Amortization of prior service cost (credit) - - 45 (90 ) Net periodic benefit $ (597 ) (510 ) (180 ) (481 ) The Company previously disclosed in its consolidated financial statements for the year ended December 31, 2014, that it did not expect to make contributions to its pension and postretirement benefit plans in 2015. As of June 30, 2015, no contributions have been made, however, this decision is reviewed each quarter and is subject to change based upon market conditions. Since 2003, the Company has not subsidized retiree medical insurance premiums. However, it continues to provide postretirement medical benefits to a limited number of current and retired executives in accordance with the terms of their employment contracts.

Investment Securities

Investment Securities	6 Months Ended
	Jun. 30, 2015
Investment Securities [Abstract]
Investment Securities	(4) Investment Securities (a) Securities available for sale The amortized cost and fair value of the securities available for sale are as follows: (dollars in thousands) June 30, 2015 Amortized Gross Gross Fair U.S. government sponsored enterprises $ 152,216 87 221 152,082 State and political subdivisions 1,939 30 - 1,969 Mortgage backed securities and collateralized mortgage obligations - residential 434,780 550 6,125 429,205 Small Business Administration- guaranteed participation securities 98,059 - 2,736 95,323 Mortgage backed securities and collateralized mortgage obligations - commercial 10,560 - 161 10,399 Other 650 - - 650 Total debt securities 698,204 667 9,243 689,628 Equity securities 35 - - 35 Total securities available for sale $ 698,239 667 9,243 689,663 (dollars in thousands) December 31, 2014 Amortized Gross Gross Fair U.S. government sponsored enterprises $ 78,420 2 622 77,800 State and political subdivisions 2,232 39 - 2,271 Mortgage backed securities and collateralized mortgage obligations - residential 486,107 1,108 3,655 483,560 Corporate bonds 1,500 - - 1,500 Small Business Administration - guaranteed participation securities 103,273 - 2,777 100,496 Mortgage backed securities and collateralized mortgage obligations - commercial 10,696 - 249 10,447 Other 650 - - 650 Total debt securities 682,878 1,149 7,303 676,724 Equity securities 35 - - 35 Total securities available for sale $ 682,913 1,149 7,303 676,759 The following table distributes the debt securities included in the available for sale portfolio as of June 30, 2015, based on the securities’ final maturity (mortgage backed securities and collateralized mortgage obligations are stated using an estimated average life): (dollars in thousands) Amortized Fair Due in one year or less $ 2,546 2,542 Due in one year through five years 497,021 493,286 Due after five years through ten years 198,619 193,782 Due after ten years 18 18 $ 698,204 689,628 Actual maturities may differ from the above because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) June 30, 2015 Less than 12 months Total Fair Gross Fair Gross Fair Gross U.S. government sponsored enterprises $ 31,493 51 56,351 170 87,844 221 Mortgage backed securities and collateralized mortgage obligations - residential 183,404 2,307 188,924 3,818 372,328 6,125 Small Business Administration - guaranteed participation securities 7,973 164 87,350 2,572 95,323 2,736 Mortgage backed securities and collateralized mortgage obligations - commercial - - 10,399 161 10,399 161 Total $ 222,870 2,522 343,024 6,721 565,894 9,243 (dollars in thousands) December 31, 2014 Less than 12 months Total Fair Gross Fair Gross Fair Gross U.S. government sponsored enterprises $ 12,840 81 54,959 541 67,799 622 Mortgage backed securities and collateralized mortgage obligations - residential 65,549 492 325,476 3,163 391,025 3,655 Small Business Administration - guaranteed participation securities - - 100,496 2,777 100,496 2,777 Mortgage backed securities and collateralized mortgage obligations - commercial - - 10,447 249 10,447 249 Total $ 78,389 573 491,378 6,730 569,767 7,303 The proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three and six months ended June 30, 2015 and 2014 are as follows: (dollars in thousands) Three months ended June 30, Six months ended June 30, 2015 2014 2015 2014 Proceeds from sales $ - - $ 22,945 - Proceeds from calls 28,891 39,301 58,571 180,623 Gross realized gains - - 249 6 Gross realized losses - - - - There were no net gains on sales of securities available for sale for the three months ended June 30, 2015 and 2014. Income tax expense recognized on net gains on sales of securities available for sale were approximately $100 thousand and $2 thousand for the six months ended June 30, 2015 and 2014, respectively. (b) Held to maturity securities The amortized cost and fair value of the held to maturity securities are as follows: (dollars in thousands) June 30, 2015 Amortized Gross Gross Fair Mortgage backed securities and collateralized mortgage obligations - residential $ 53,576 3,225 - 56,801 Corporate bonds 9,967 921 - 10,888 Total held to maturity $ 63,543 4,146 - 67,689 (dollars in thousands) December 31, 2014 Amortized Gross Gross Fair Mortgage backed securities and collateralized mortgage obligations - residential $ 60,986 3,334 - 64,320 Corporate bonds 9,960 1,062 - 11,022 Total held to maturity $ 70,946 4,396 - 75,342 The following table distributes the debt securities included in the held to maturity portfolio as of June 30, 2015, based on the securities’ final maturity (mortgage backed securities and collateralized mortgage obligations are stated using an estimated average life): (dollars in thousands) Amortized Fair Due in one year or less $ - - Due in one year through five years 63,543 67,689 Due in five years through ten years - - $ 63,543 67,689 Actual maturities may differ from the above because of securities prepayments and the right of certain issuers to call or prepay their obligations without penalty. There were no held to maturity securities in an unrecognized loss position as of June 30, 2015 or December 31, 2014. There were no sales or transfers of held to maturity securities during the three and six months ended June 30, 2015 and 2014 . (c) Other-Than-Temporary Impairment Management evaluates securities for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio by type and applying the appropriate OTTI model. Investment securities classified as available for sale or held to maturity are generally evaluated for OTTI under ASC 320 “Investments – Debt and Equity Securities.” In determining OTTI under the FASB ASC 320 model, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Company has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When OTTI occurs, the amount of the OTTI recognized in earnings depends on whether management intends to sell the security or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis. If management intends to sell or it is more likely than not it will be required to sell the security before recovery of its amortized cost basis, the OTTI shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If management does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis, the OTTI on debt securities shall be separated into the amount representing the credit loss and the amount related to all other factors. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors is recognized in other comprehensive income, net of applicable taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment. As of June 30, 2015, the Company’s security portfolio included certain securities which were in an unrealized loss position, and are discussed below. U.S. government sponsored enterprises In the case of unrealized losses on U.S. government sponsored enterprises, because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at June 30, 2015 . Mortgage backed securities and collateralized mortgage obligations - residential All of the mortgage backed securities and collateralized mortgage obligations held by the Company were issued by U.S. government sponsored entities and agencies, primarily Ginnie Mae, Fannie Mae and Freddie Mac, which are institutions the government has affirmed its commitment to support. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at June 30, 2015 . Small Business Administration (SBA) - guaranteed participation securities All of the SBA securities held by the Company were issued and guaranteed by U.S. Small Business Administration. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at June 30, 2015 . Mortgage backed securities and collateralized mortgage obligations – commercial All of the mortgage backed securities and collateralized mortgage obligations held by the Company were issued by U.S. government-sponsored entities and agencies, are current as to the payment of interest and principal and the Company expects to collect the full amount of the principal and interest payments. Because the decline in fair value is attributable to changes in interest rates, and not credit quality, and because the Company does not have the intent to sell these securities and it is likely that it will not be required to sell the securities before their anticipated recovery, the Company does not consider these securities to be other-than-temporarily impaired at June 30, 2015 . As a result of the above analysis, during the three and six months ended June 30, 2015, the Company did not recognize any other-than-temporary impairment losses for credit or any other reason.

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2015
Loans and Allowance for Loan Losses [Abstract]
Loans and Allowance for Loan Losses	(5) Loans and Allowance for Loan Losses The following table presents the recorded investment in loans by loan class: June 30, 2015 (dollars in thousands) New York and Florida Total Commercial: Commercial real estate $ 169,957 15,922 185,879 Other 23,414 106 23,520 Real estate mortgage - 1 to 4 family: First mortgages 2,075,448 535,210 2,610,658 Home equity loans 51,857 7,414 59,271 Home equity lines of credit 307,519 47,427 354,946 Installment 7,663 1,011 8,674 Total loans, net $ 2,635,858 607,090 3,242,948 Less: Allowance for loan losses 45,571 Net loans $ 3,197,377 December 31, 2014 (dollars in thousands) New York and Florida Total Commercial: Commercial real estate $ 174,788 19,336 194,124 Other 29,200 58 29,258 Real estate mortgage - 1 to 4 family: First mortgages 2,041,140 476,427 2,517,567 Home equity loans 51,713 5,942 57,655 Home equity lines of credit 308,764 43,370 352,134 Installment 6,774 820 7,594 Total loans, net $ 2,612,379 545,953 3,158,332 Less: Allowance for loan losses 46,327 Net loans $ 3,112,005 *Includes New York, New Jersey, Vermont and Massachusetts At June 30, 2015 and December 31, 2014, the Company had approximately $26.8 million and $38.5 million of real estate construction loans, respectively. Of the $26.8 million in real estate construction loans at June 30, 2015, approximately $12.4 million are secured by first mortgages to residential borrowers while approximately $14.4 million were to commercial borrowers for residential construction projects. Of the $38.5 million in real estate construction loans at December 31, 2014, approximately $17.6 million are secured by first mortgages to residential borrowers while approximately $20.9 million were to commercial borrowers for residential construction projects. The vast majority of construction loans are in the Company’s New York market. TrustCo lends in the geographic territory of its branch locations in New York, Florida, Massachusetts, New Jersey and Vermont. Although the loan portfolio is diversified, a portion of its debtors’ ability to repay depends significantly on the economic conditions prevailing in the respective geographic territory. The following table presents the recorded investment in non-accrual loans by loan class: June 30, 2015 (dollars in thousands) New York and Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 3,260 - 3,260 Other 3 - 3 Real estate mortgage - 1 to 4 family: First mortgages 24,179 1,407 25,586 Home equity loans 284 - 284 Home equity lines of credit 2,903 271 3,174 Installment 79 10 89 Total non-accrual loans 30,708 1,688 32,396 Restructured real estate mortgages - 1 to 4 family 74 - 74 Total nonperforming loans $ 30,782 1,688 32,470 December 31, 2014 (dollars in thousands) New York and Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 3,835 - 3,835 Other - - - Real estate mortgage - 1 to 4 family: First mortgages 23,643 2,488 26,131 Home equity loans 349 - 349 Home equity lines of credit 3,229 252 3,481 Installment 77 13 90 Total non-accrual loans 31,133 2,753 33,886 Restructured real estate mortgages - 1 to 4 family 125 - 125 Total nonperforming loans $ 31,258 2,753 34,011 The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). As of June 30, 2015 and December 31, 2014, other estate owned included $3.6 million and $4.2 million , The following tables present the aging of the recorded investment in past due loans by loan class and by region as of June 30, 2015 and December 31, 2014: New York and other states: June 30, 2015 (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ - 272 2,348 2,620 167,337 169,957 Other - - 3 3 23,411 23,414 Real estate mortgage - 1 to 4 family: First mortgages 2,781 937 16,742 20,460 2,054,988 2,075,448 Home equity loans 53 7 264 324 51,533 51,857 Home equity lines of credit 943 177 1,286 2,406 305,113 307,519 Installment 36 26 37 99 7,564 7,663 Total $ 3,813 1,419 20,680 25,912 2,609,946 2,635,858 Florida: (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ 33 - - 33 15,889 15,922 Other - - - - 106 106 Real estate mortgage - 1 to 4 family: First mortgages 673 89 1,014 1,776 533,434 535,210 Home equity loans - - - - 7,414 7,414 Home equity lines of credit - - 99 99 47,328 47,427 Installment - 3 - 3 1,008 1,011 Total $ 706 92 1,113 1,911 605,179 607,090 Total: (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ 33 272 2,348 2,653 183,226 185,879 Other - - 3 3 23,517 23,520 Real estate mortgage - 1 to 4 family: First mortgages 3,454 1,026 17,756 22,236 2,588,422 2,610,658 Home equity loans 53 7 264 324 58,947 59,271 Home equity lines of credit 943 177 1,385 2,505 352,441 354,946 Installment 36 29 37 102 8,572 8,674 Total $ 4,519 1,511 21,793 27,823 3,215,125 3,242,948 New York and other states: December 31, 2014 (dollars in thousands) 30-59 60-89 90+ Total Current Loans Commercial: Commercial real estate $ 618 52 2,627 3,297 171,491 174,788 Other - - - - 29,200 29,200 Real estate mortgage - 1 to 4 family: First mortgages 3,340 3,874 16,782 23,996 2,017,144 2,041,140 Home equity loans 141 59 337 537 51,176 51,713 Home equity lines of credit 568 342 1,198 2,108 306,656 308,764 Installment 79 10 58 147 6,627 6,774 Total $ 4,746 4,337 21,002 30,085 2,582,294 2,612,379 Florida: (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ - - - - 19,336 19,336 Other - - - - 58 58 Real estate mortgage - 1 to 4 family: First mortgages 801 283 1,225 2,309 474,118 476,427 Home equity loans - - - - 5,942 5,942 Home equity lines of credit 173 - 116 289 43,081 43,370 Installment 17 - - 17 803 820 Total $ 991 283 1,341 2,615 543,338 545,953 Total: (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ 618 52 2,627 3,297 190,827 194,124 Other - - - - 29,258 29,258 Real estate mortgage - 1 to 4 family: First mortgages 4,141 4,157 18,007 26,305 2,491,262 2,517,567 Home equity loans 141 59 337 537 57,118 57,655 Home equity lines of credit 741 342 1,314 2,397 349,737 352,134 Installment 96 10 58 164 7,430 7,594 Total $ 5,737 4,620 22,343 32,700 3,125,632 3,158,332 At June 30, 2015 and December 31, 2014, there were no loans that were 90 days past due and still accruing interest. As a result, non-accrual loans includes all loans 90 days past due and greater as well as certain loans less than 90 days past due that were placed on non-accrual status for reasons other than delinquent status. There are no commitments to extend further credit on non - Activity in the allowance for loan losses by portfolio segment is summarized as follows: (dollars in thousands) For the three months ended June 30, 2015 Commercial Real Estate Installment Total Balance at beginning of period $ 4,024 41,529 391 45,944 Loans charged off: New York and other states* 50 1,066 33 1,149 Florida - 169 - 169 Total loan chargeoffs 50 1,235 33 1,318 Recoveries of loans previously charged off: New York and other states* - 133 9 142 Florida 1 2 - 3 Total recoveries 1 135 9 145 Net loans charged off 49 1,100 24 1,173 Provision for loan losses 47 658 95 800 Balance at end of period $ 4,022 41,087 462 45,571 (dollars in thousands) For the three months ended June 30, 2014 Commercial Real Estate Installment Total Balance at beginning of period $ 3,840 43,091 104 47,035 Loans charged off: New York and other states* 13 1,691 32 1,736 Florida - 75 10 85 Total loan chargeoffs 13 1,766 42 1,821 Recoveries of loans previously charged off: New York and other states* - 195 8 203 Florida 2 16 - 18 Total recoveries 2 211 8 221 Net loans charged off 11 1,555 34 1,600 Provision for loan losses 244 1,216 40 1,500 Balance at end of period $ 4,073 42,752 110 46,935 (dollars in thousands) For the six months ended June 30, 2015 Commercial Real Estate Installment Total Balance at beginning of period $ 4,071 42,088 168 46,327 Loans charged off: New York and other states* 100 2,180 76 2,356 Florida - 278 - 278 Total loan chargeoffs 100 2,458 76 2,634 Recoveries of loans previously charged off: New York and other states* 16 243 15 274 Florida 2 2 - 4 Total recoveries 18 245 15 278 Net loans charged off 82 2,213 61 2,356 Provision for loan losses 33 1,212 355 1,600 Balance at end of period $ 4,022 41,087 462 45,571 (dollars in thousands) For the six months ended June 30, 2014 Commercial Real Estate Installment Total Balance at beginning of period $ 4,019 43,597 98 47,714 Loans charged off: New York and other states* 273 2,617 81 2,971 Florida 613 542 12 1,167 Total loan chargeoffs 886 3,159 93 4,138 Recoveries of loans previously charged off: New York and other states* 18 270 13 301 Florida 3 55 - 58 Total recoveries 21 325 13 359 Net loans charged off 865 2,834 80 3,779 Provision for loan losses 919 1,989 92 3,000 Balance at end of period $ 4,073 42,752 110 46,935 The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014: June 30, 2015 (dollars in thousands) Commercial Loans 1-to-4 Family Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 4,022 41,087 462 45,571 Total ending allowance balance $ 4,022 41,087 462 45,571 Loans: Individually evaluated for impairment $ 3,551 23,070 - 26,621 Collectively evaluated for impairment 205,848 3,001,805 8,674 3,216,327 Total ending loans balance $ 209,399 3,024,875 8,674 3,242,948 December 31, 2014 (dollars in thousands) Commercial Loans 1-to-4 Family Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 4,071 42,088 168 46,327 Total ending allowance balance $ 4,071 42,088 168 46,327 Loans: Individually evaluated for impairment $ 4,129 22,406 - 26,535 Collectively evaluated for impairment 219,253 2,904,950 7,594 3,131,797 Total ending loans balance $ 223,382 2,927,356 7,594 3,158,332 The Company has identified non - A loan for which the terms have been modified, and for which the borrower is experiencing financial difficulties, is considered a TDR and is classified as impaired. TDR’s at June 30, 2015 and December 31, 2014 are measured at the present value of estimated future cash flows using the loan’s effective rate at inception or the fair value of the underlying collateral if the loan is considered collateral dependent. The following tables present impaired loans by loan class as of June 30, 2015 and December 31, 2014: New York and other states: June 30, 2015 (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ 3,548 3,726 - 3,527 Other 3 3 - - Real estate mortgage - 1 to 4 family: First mortgages 18,614 19,642 - 18,372 Home equity loans 467 510 - 362 Home equity lines of credit 2,029 2,217 - 2,294 Total $ 24,661 26,098 - 24,555 Florida: (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ - - - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 1,255 1,347 - 1,339 Home equity loans 54 54 - 55 Home equity lines of credit 651 735 - 660 Total $ 1,960 2,136 - 2,054 Total: (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ 3,548 3,726 - 3,527 Other 3 3 - - Real estate mortgage - 1 to 4 family: First mortgages 19,869 20,989 - 19,711 Home equity loans 521 564 - 417 Home equity lines of credit 2,680 2,952 - 2,954 Total $ 26,621 28,234 - 26,609 New York and other states: December 31, 2014 (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ 4,129 5,499 - 4,798 Other - - - 61 Real estate mortgage - 1 to 4 family: First mortgages 17,579 18,689 - 17,261 Home equity loans 366 410 - 454 Home equity lines of credit 2,492 2,778 - 2,578 Total $ 24,566 27,376 - 25,152 Florida: (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ - - - 577 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 1,289 1,380 - 1,422 Home equity loans 56 56 - 5 Home equity lines of credit 624 773 - 581 Total $ 1,969 2,209 - 2,585 Total: (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ 4,129 5,499 - 5,375 Other - - - 61 Real estate mortgage - 1 to 4 family: First mortgages 18,868 20,069 - 18,683 Home equity loans 422 466 - 459 Home equity lines of credit 3,116 3,551 - 3,159 Total $ 26,535 29,585 - 27,737 The Company has not committed to lend additional amounts to customers with outstanding loans that are classified as impaired. Interest income recognized on impaired loans was not material during the three and six months ended June 30, 2015 and 2014 . As of June 30, 2015 and December 31, 2014 impaired loans included approximately $11.0 million and $9.9 million of 1 to 4 family residential real estate loans in accruing status that were identified as TDR’s in accordance with regulatory guidance related to Chapter 7 bankruptcy loans. Management evaluates impairment on impaired loans on a quarterly basis. If, during this evaluation, impairment of the loan is identified, a charge off is taken at that time. As a result, as of June 30, 2015 and December 31, 2014, based upon management’s evaluation and due to the sufficiency of chargeoffs taken, none of the allowance for loan losses has been allocated to a specific impaired loan(s). The following table presents, by class, loans that were modified as TDR’s: Three months ended 6/30/2015 Three months ended 6/30/2014 New York and other states*: (dollars in thousands) Number of Pre-Modification Post-Modification Number of Pre-Modification Post-Modification Commercial: Commercial real estate - $ - $ - 1 $ 300 $ 300 Real estate mortgage - 1 to 4 family: First mortgages 13 1,542 1,542 12 1,611 1,611 Home equity loans 1 139 139 1 47 47 Home equity lines of credit 2 44 44 2 443 443 Total 16 $ 1,725 $ 1,725 16 $ 2,401 $ 2,401 Florida: Number of Pre-Modification Post-Modification Number of Pre-Modification Post-Modification (dollars in thousands) Contracts Investment Investment Contracts Investment Investment Real estate mortgage - 1 to 4 family: First mortgages - $ - $ - 2 $ 192 $ 192 Home equity lines of credit - - - - - - Total - $ - $ - 2 $ 192 $ 192 Six months ended 6/30/2015 Six months ended 6/30/2014 New York and other states*: Number of Pre-Modification Post-Modification Number of Pre-Modification Post-Modification (dollars in thousands) Contracts Investment Investment Contracts Investment Investment Commercial: Commercial real estate - $ - $ - 1 $ 300 $ 300 Real estate mortgage - 1 to 4 family: First mortgages 20 2,987 2,987 20 2,985 2,985 Home equity loans 1 139 139 2 51 51 Home equity lines of credit 2 44 44 3 565 565 Total 23 $ 3,170 $ 3,170 26 $ 3,901 $ 3,901 Florida: Number of Pre-Modification Post-Modification Number of Pre-Modification Post-Modification (dollars in thousands) Contracts Investment Investment Contracts Investment Investment Real estate mortgage - 1 to 4 family: First mortgages 1 $ 157 $ 157 4 $ 364 $ 364 Home equity lines of credit 2 50 50 2 354 354 Total 3 $ 207 $ 207 6 $ 718 $ 718 The addition of these TDR’s did not have a significant impact on the allowance for loan losses . In situations where the Bank considers a loan modification, management determines whether the borrower is experiencing financial difficulty by performing an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s underwriting policy. Generally, the modification of the terms of loans was the result of the borrower filing for bankruptcy protection. Chapter 13 bankruptcies generally include the deferral of all past due amounts for a period of generally 60 months in accordance with the bankruptcy court order. In the case of Chapter 7 bankruptcies, as previously noted, even though there is no modification of terms, the borrowers’ debt to the Company was discharged and they did not reaffirm the debt. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. In situations involving a borrower filing for Chapter 13 bankruptcy protection, however, a loan is considered to be in payment default once it is 30 days contractually past due, consistent with the treatment by the bankruptcy court. The following table presents, by class, TDR’s that defaulted during the three and six months ended June 30, 2015 and 2014 which had been modified within the last twelve months: Three months ended 6/30/2015 Three months ended 6/30/2014 New York and other states*: Number of Recorded Number of Recorded (dollars in thousands) Contracts Investment Contracts Investment Real estate mortgage - 1 to 4 family: First mortgages - $ - 2 $ 161 Total - $ - 2 $ 161 Florida: (dollars in thousands) Number of Recorded Number of Recorded Real estate mortgage - 1 to 4 family: Home equity lines of credit - $ - - $ - Total - $ - - $ - Six months ended 6/30/2015 Six months ended 6/30/2014 New York and other states*: Number of Recorded Number of Recorded (dollars in thousands) Contracts Investment Contracts Investment Real estate mortgage - 1 to 4 family: First mortgages - $ - 4 $ 308 Total - $ - 4 $ 308 Florida: (dollars in thousands) Number of Recorded Number of Recorded Real estate mortgage - 1 to 4 family: Home equity lines of credit 1 $ 50 1 $ 279 Total 1 $ 50 1 $ 279 The TDR’s that subsequently defaulted described above did not have a material impact on the allowance for loan losses as the underlying collateral was evaluated at the time these loans were identified as TDR’s, and a charge off was taken at that time, if necessary. Collateral values on these loans, as well as all non - The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. On at least an annual basis, the Company’s loan grading process analyzes non-homogeneous loans over $150 thousand, such as commercial and commercial real estate loans, individually by grading the loans based on credit risk. In addition, the Company’s internal loan review department reviews non-homogeneous loans over $250 thousand by testing the loan grades assigned through the Company’s grading process. The Company uses the following definitions for classified loans: Special Mention Substandard Doubtful Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. As of June 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: June 30, 2015 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 158,761 11,196 169,957 Other 22,557 857 23,414 $ 181,318 12,053 193,371 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 15,922 - 15,922 Other 106 - 106 $ 16,028 - 16,028 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 174,683 11,196 185,879 Other 22,663 857 23,520 $ 197,346 12,053 209,399 December 31, 2014 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 162,589 12,199 174,788 Other 28,677 523 29,200 $ 191,266 12,722 203,988 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 19,336 - 19,336 Other 58 - 58 $ 19,394 - 19,394 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 181,925 12,199 194,124 Other 28,735 523 29,258 $ 210,660 12,722 223,382 Included in classified loans in the above tables are impaired loans of $3.6 million and $4.1 million at June 30, 2015 and December 31, 2014, respectively. For homogeneous loan pools, such as residential mortgages, home equity lines of credit, and installment loans, the Company uses payment status to identify the credit risk in these loan portfolios. Payment status is reviewed on a daily basis by the Bank’s collection area and on a monthly basis with respect to determining the adequacy of the allowance for loan losses. The payment status of these homogeneous pools as of June 30, 2015 and December 31, 2014 is included in the aging of the recorded investment of past due loans table. In addition, the total nonperforming portion of these homogeneous loan pools as of June 30, 2015 and December 31, 2014 is presented in the non-accrual loans table.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2015
Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments	(6) Fair Value of Financial Instruments Fair value measurements (ASC 820) defines fair value as 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. ASC 820 also establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The standard describes three levels of inputs that may be used to measure fair values: Level 1 – Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity can access as of the measurement date. Level 2 – Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data. Level 3 – Significant unobservable inputs that reflect a company’s own assumptions about the value that market participants would use in pricing an asset or liability. The Company used the following methods and significant assumptions to estimate the fair value of assets and liabilities: Securities Available for Sale Other Real Estate Owned Impaired Loans Indications of value for both collateral-dependent impaired loans and other real estate owned are obtained from third party providers or the Company’s internal Appraisal Department. All indications of value are reviewed for reasonableness by a member of the Appraisal Department for the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value via comparison with independent data sources such as recent market data or industry-wide statistics. Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at Carrying Quoted Prices in Significant Significant Value (Level 1) (Level 2) (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 152,082 $ - $ 152,082 $ - State and political subdivisions 1,969 - 1,969 - Mortgage backed securities and collateralized mortgage obligations - residential 429,205 - 429,205 - Small Business Administration- guaranteed participation securities 95,323 - 95,323 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,399 - 10,399 - Other 685 35 650 - Total securities available for sale $ 689,663 $ 35 $ 689,628 $ - Fair Value Measurements at December 31, 2014 Using: Carrying Quoted Prices in Significant Significant Value (Level 1) (Level 2) (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 77,800 $ - $ 77,800 $ - State and political subdivisions 2,271 - 2,271 - Mortgage backed securities and collateralized mortgage obligations - residential 483,560 - 483,560 - Corporate bonds 1,500 - 1,500 - Small Business Administration- guaranteed participation securities 100,496 - 100,496 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,447 - 10,447 - Other 685 35 650 - Total securities available for sale $ 676,759 $ 35 $ 676,724 $ - There were no transfers between Level 1 and Level 2 during the three and six months ended June 30, 2015 and 2014 . Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at June 30, 2015 Using: Carrying Quoted Prices in Significant Significant Value (Level 1) (Level 2) (Level 3) (dollars in thousands) Other real estate owned $ 6,108 $ - $ - $ 6,108 Impaired loans: Commercial real estate 36 - - 36 Real estate mortgage - 1 to 4 family: First mortgages 1,536 - - 1,536 Home equity lines of credit 89 - - 89 Fair Value Measurements at Carrying Quoted Prices in Significant Significant Value (Level 1) (Level 2) (Level 3) (dollars in thousands) Other real estate owned $ 6,441 $ - $ - $ 6,441 Impaired loans: Commercial real estate 206 - - 206 Real estate mortgage - 1 to 4 family: First mortgages 2,627 - - 2,627 Home equity lines of credit 810 - - 810 Other real estate owned, which is carried at fair value less costs to sell, approximated $6.1 million at June 30, 2015 and consisted of $2.5 million of commercial real estate and $3.6 million of residential real estate properties. Valuation charges of $91 thousand and $350 thousand are included in earnings for the three and six months ended June 30, 2015, respectively. Of the total impaired loans of $26.6 million at June 30, 2015, $1.7 million are collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans at June 30, 2015. Gross charge offs related to commercial impaired loans included in the table above were $30 thousand and $80 thousand for the three and six months ended June 30, 2015, respectively, while gross charge offs related to residential impaired loans included in the table above amounted to $7 thousand and $137 thousand for the three and six months ended June 30, 2015, respectively . Other real estate owned, which is carried at fair value less costs to sell, approximates $6.4 million at December 31, 2014 and consisted of $2.2 million of commercial real estate and $4.2 million of residential real estate properties. A valuation charge of $2.0 million is included in earnings for the year ended December 31, 2014 . Of the total impaired loans of $26.5 million at December 31, 2014, $3.6 million are collateral dependent and are carried at fair value measured on a non-recurring basis. Due to the sufficiency of charge offs taken on these loans and the adequacy of the underlying collateral, there were no specific valuation allowances for these loans at December 31, 2014. Gross charge offs related to commercial impaired loans included in the table above were $17 thousand for the year ended December 31, 2014, while gross charge offs related to residential impaired loans included in the table above amounted to $349 thousand. In accordance with ASC 825, the carrying amounts and estimated fair values of financial instruments, at June 30, 2015 and December 31, 2014 are as follows: (dollars in thousands) Fair Value Measurements at Carrying June 30, 2015 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 678,585 678,585 - - 678,585 Securities available for sale 689,663 35 689,628 - 689,663 Held to maturity securities 63,543 - 67,689 - 67,689 Federal Reserve Bank and Federal Home Loan Bank stock 9,480 N/ A N/ A N/ A N/ A Net loans 3,197,377 - - 3,252,841 3,252,841 Accrued interest receivable 10,807 26 2,652 8,129 10,807 Financial liabilities: Demand deposits 355,783 355,783 - - 355,783 Interest bearing deposits 3,781,658 2,596,394 1,185,529 - 3,781,923 Short-term borrowings 170,750 - 170,750 - 170,750 Accrued interest payable 515 77 438 - 515 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2014 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 671,448 671,448 - - 671,448 Securities available for sale 676,759 35 676,724 - 676,759 Held to maturity securities 70,946 - 75,342 - 75,342 Federal Reserve Bank and Federal Home Loan Bank stock 9,228 N/ A N/ A N/ A N/ A Net loans 3,112,005 - - 3,171,005 3,171,005 Accrued interest receivable 10,800 30 2,694 8,076 10,800 Financial liabilities: Demand deposits 331,425 331,425 - - 331,425 Interest bearing deposits 3,700,816 2,537,583 1,163,245 - 3,700,828 Short-term borrowings 189,116 - 189,116 - 189,116 Accrued interest payable 548 100 448 - 548 The specific estimation methods and assumptions used can have a substantial impact on the resulting fair values of financial instruments. The following is a brief summary of the significant methods and assumptions used in estimating fair values: Cash and Cash Equivalents The carrying values of these financial instruments approximate fair values and are classified as Level 1. Federal Reserve Bank and Federal Home Loan Bank stock It is not practical to determine the fair value of Federal Reserve Bank and Federal Home Loan Bank stock due to their restrictive nature. Securities Held to Maturity Similar to securities available for sale described previously, the fair value of securities held to maturity are determined utilizing an independent pricing service for identical assets or significantly similar securities. The pricing service uses a variety of techniques to arrive at fair value including market maker bids, quotes and pricing models. Inputs to the pricing models include recent trades, benchmark interest rates, spreads and actual and projected cash flows. This results in a Level 2 classification of the inputs for determining fair value. Interest and dividend income is recorded on the accrual method and included in the Consolidated Statements of Income in the respective investment class under total interest and dividend income. The Company does not have any securities that would be designated as Level 3. Loans The fair values of all loans are estimated using discounted cash flow analyses with discount rates equal to the interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 classification. Impaired loans are valued at the lower of cost or fair value as described previously. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price. Deposit Liabilities The fair values disclosed for noninterest bearing demand deposits, interest bearing checking accounts, savings accounts, and money market accounts are, by definition, equal to the amount payable on demand at the balance sheet date resulting in a Level 1 classification. The carrying value of all variable rate certificates of deposit approximates fair value resulting in a Level 2 classification. The fair value of fixed rate certificates of deposit is estimated using discounted cash flow analyses with discount rates equal to the interest rates currently being offered on certificates of similar size and remaining maturity resulting in a Level 2 classification. Accrued Interest Receivable/Payable The carrying amounts of accrued interest approximate fair value resulting in a Level 1, Level 2 or Level 3 classification consistent with the asset or liability that they are associated with. Short-Term Borrowings and Other Financial Instruments The fair value of all short-term borrowings and other financial instruments approximates the carrying value resulting in a Level 2 classification. Financial Instruments with Off-Balance Sheet Risk The Company is a party to financial instruments with off-balance sheet risk. Such financial instruments consist of commitments to extend financing and standby letters of credit. If the commitments are exercised by the prospective borrowers, these financial instruments will become interest earning assets of the Company. If the commitments expire, the Company retains any fees paid by the prospective borrower. The fair value of commitments is estimated based upon fees currently charged to enter into similar agreements, taking into consideration the remaining terms of the agreements and the present creditworthiness of the borrower. For fixed rate commitments, the fair value estimation takes into consideration an interest rate risk factor. The fair value of these off-balance sheet items approximates the recorded amounts of the related fees, which are considered to be immaterial. The Company does not engage in activities involving interest rate swaps, forward placement contracts, or any other instruments commonly referred to as derivatives.

Other Comprehensive (Loss) Inco

Other Comprehensive (Loss) Income	6 Months Ended
	Jun. 30, 2015
Other Comprehensive (Loss) Income [Abstract]
Other Comprehensive (Loss) Income	(7) Other Comprehensive (Loss) Income The following is a summary of the accumulated other comprehensive loss balances, net of tax: Three months ended 6/30/15 (dollars in thousands) Balance at Other Amount Other Balance at Net unrealized holding (loss) gain on securities available for sale, net of tax $ (1,855 ) (3,289 ) - (3,289 ) (5,144 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax (832 ) - 49 49 (783 ) Accumulated other comprehensive income (loss), net of tax (2,687 ) (3,289 ) 49 (3,240 ) (5,927 ) Three months ended 6/30/14 (dollars in thousands) Balance at Other Amount Other Balance at Net unrealized holding gain (loss) on securities available for sale, net of tax $ (13,655 ) 6,912 - 6,912 (6,743 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 4,203 - (71 ) (71 ) 4,132 Accumulated other comprehensive income (loss), net of tax (9,452 ) 6,912 (71 ) 6,841 (2,611 ) Six months ended 6/30/15 (dollars in thousands) Balance at Other Amount Other Balance at Net unrealized holding gain (loss) on securities available for sale, net of tax $ (3,693 ) (1,302 ) (149 ) (1,451 ) (5,144 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax (816 ) - 33 33 (783 ) Accumulated other comprehensive income (loss), net of tax (4,509 ) (1,302 ) (116 ) (1,418 ) (5,927 ) Six months ended 6/30/14 (dollars in thousands) Balance at Other Amount Other Balance at Net unrealized holding gain (loss) on securities available for sale, net of tax $ (18,078 ) 11,339 (4 ) 11,335 (6,743 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 4,275 - (143 ) (143 ) 4,132 Accumulated other comprehensive income (loss), net of tax (13,803 ) 11,339 (147 ) 11,192 (2,611 ) The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three months and six months ended June 30, 2015 and 2014: (dollars in thousands) Three months ended Six months ended 2015 2014 2015 2014 Affected Line Item in Statements Unrealized gains (losses) on securities available for sale Realized gain on securities transactions $ - - $ 249 6 Net gain on securities transactions Income tax expense - - (100 ) (2 ) Income taxes Net of tax - - 149 4 Amortization of pension and postretirement benefit items Amortization of net actuarial (loss) gain (15 ) 74 (10 ) 146 Salaries and employee benefits Amortization of prior service (cost) credit (67 ) 45 (45 ) 90 Salaries and employee benefits Income tax benefit 33 (48 ) 22 (93 ) Income taxes Net of tax (49 ) 71 (33 ) 143 Total reclassifications, net of tax $ (49 ) 71 $ 116 147

Subsequent Event

Subsequent Event	6 Months Ended
	Jun. 30, 2015
Subsequent Event [Abstract]
Subsequent Event	(8) Subsequent Event On July 21, 2015 Trustco Bank (the “Bank”), the wholly owned subsidiary of TrustCo Bank Corp NY, entered into a formal agreement (the “Agreement”) with the Comptroller of the Currency of the United States (the “OCC”). The Agreement relates to the findings of the OCC following an examination of the Bank. Since the completion of the examination, the Bank believes it has been working diligently to address the findings of the examination and to develop and implement appropriate formal action plans. The Agreement requires the Bank to take various actions, within prescribed time frames, with respect to certain areas of the Bank. These include, among others, (i) establishment of a committee of at least three Directors to monitor and coordinate the Bank’s response to the Agreement; (ii) adoption of compliance plans to respond to the Agreement with the assistance of an independent qualified consultant; (iii) evaluation and implementation of improvements in corporate governance with the assistance of an independent qualified consultant; (iv) evaluation and implementation of improvements in internal audit; (v) development of a strategic plan; (vi) development of a revised capital plan consistent with the strategic plan; (vii) development and implementation of improvements to the Bank’s loan review system; and (viii) such other necessary steps to address the issues and questions noted by the OCC in the Agreement.

New Accounting Pronouncements

New Accounting Pronouncements	6 Months Ended
	Jun. 30, 2015
New Accounting Pronouncements [Abstract]
New Accounting Pronouncements	(9) New Accounting Pronouncements In January 2014, the FASB amended existing guidance to clarify when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate recognized. These amendments clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either: (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure, or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additional disclosures are required. These amendments are effective for public business entities for annual periods and interim periods within those annual periods beginning after December 15, 2014. The adoption of this standard did not have a material effect on the Company’s operating results or financial condition, but new disclosures were added.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2015
Earnings Per Share [Abstract]
Reconciliation of component parts of earnings per share	A reconciliation of the component parts of earnings per share for the three months and six months ended June 30, 2015 and 2014 is as follows: (In thousands except per share data) For the three months ended For the six months ended 2015 2014 2015 2014 Net income $ 10,727 11,808 $ 21,442 22,819 Less: Net income allocated to participating securities - 13 - 26 Net income allocated to common shareholders $ 10,727 11,795 $ 21,442 22,793 Basic EPS: Distributed earnings allocated to common stock $ 6,238 6,213 $ 12,466 12,419 Undistributed earnings allocated to common stock 4,489 5,582 8,976 10,374 Net income allocated to common shareholders $ 10,727 11,795 $ 21,442 22,793 Weighted average common shares outstanding including participating securities 95,056 94,665 95,002 94,642 Less: Participating securities - 106 - 106 Weighted average common shares 95,056 94,559 95,002 94,536 Basic EPS $ 0.113 0.125 $ 0.226 0.241 Diluted EPS: Net income allocated to common shareholders $ 10,727 11,795 $ 21,442 22,793 Weighted average common shares for basic EPS 95,056 94,559 95,002 94,536 Effect of Dilutive Securities: Stock Options 134 116 130 122 Weighted average common shares including potential dilutive shares 95,190 94,675 95,132 94,658 Diluted EPS $ 0.113 0.125 $ 0.225 0.241

Benefit Plans (Tables)

Benefit Plans (Tables)	6 Months Ended
	Jun. 30, 2015
Benefit Plans [Abstract]
Components of Company's net periodic cost	The table below outlines the components of the Company's net periodic benefit recognized during the three and six months ended June 30, 2015 and 2014 for its pension and other postretirement benefit plans: For the three months ended June 30, Pension Benefits Other Postretirement Benefits (dollars in thousands) 2015 2014 2015 2014 Service cost $ 15 18 39 15 Interest cost 330 336 64 32 Expected return on plan assets (684 ) (609 ) (180 ) (169 ) Amortization of net loss (gain) 121 - (106 ) (74 ) Amortization of prior service cost (credit) - - 67 (45 ) Net periodic benefit $ (218 ) (255 ) (116 ) (241 ) For the six months ended June 30, Pension Benefits Other Postretirement Benefits (dollars in thousands) 2015 2014 2015 2014 Service cost $ 30 36 78 29 Interest cost 660 672 129 64 Expected return on plan assets (1,368 ) (1,218 ) (361 ) (338 ) Amortization of net loss (gain) 81 - (71 ) (146 ) Amortization of prior service cost (credit) - - 45 (90 ) Net periodic benefit $ (597 ) (510 ) (180 ) (481 )

Investment Securities (Tables)

Investment Securities (Tables)	6 Months Ended
	Jun. 30, 2015
Investment Securities [Abstract]
Amortized cost and fair value of the securities available for sale	The amortized cost and fair value of the securities available for sale are as follows: (dollars in thousands) June 30, 2015 Amortized Gross Gross Fair U.S. government sponsored enterprises $ 152,216 87 221 152,082 State and political subdivisions 1,939 30 - 1,969 Mortgage backed securities and collateralized mortgage obligations - residential 434,780 550 6,125 429,205 Small Business Administration- guaranteed participation securities 98,059 - 2,736 95,323 Mortgage backed securities and collateralized mortgage obligations - commercial 10,560 - 161 10,399 Other 650 - - 650 Total debt securities 698,204 667 9,243 689,628 Equity securities 35 - - 35 Total securities available for sale $ 698,239 667 9,243 689,663 (dollars in thousands) December 31, 2014 Amortized Gross Gross Fair U.S. government sponsored enterprises $ 78,420 2 622 77,800 State and political subdivisions 2,232 39 - 2,271 Mortgage backed securities and collateralized mortgage obligations - residential 486,107 1,108 3,655 483,560 Corporate bonds 1,500 - - 1,500 Small Business Administration - guaranteed participation securities 103,273 - 2,777 100,496 Mortgage backed securities and collateralized mortgage obligations - commercial 10,696 - 249 10,447 Other 650 - - 650 Total debt securities 682,878 1,149 7,303 676,724 Equity securities 35 - - 35 Total securities available for sale $ 682,913 1,149 7,303 676,759
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses	The proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses from sales and calls during the three and six months ended June 30, 2015 and 2014 are as follows: (dollars in thousands) Three months ended June 30, Six months ended June 30, 2015 2014 2015 2014 Proceeds from sales $ - - $ 22,945 - Proceeds from calls 28,891 39,301 58,571 180,623 Gross realized gains - - 249 6 Gross realized losses - - - -
Amortized cost and fair value of the held to maturity securities	The amortized cost and fair value of the held to maturity securities are as follows: (dollars in thousands) June 30, 2015 Amortized Gross Gross Fair Mortgage backed securities and collateralized mortgage obligations - residential $ 53,576 3,225 - 56,801 Corporate bonds 9,967 921 - 10,888 Total held to maturity $ 63,543 4,146 - 67,689 (dollars in thousands) December 31, 2014 Amortized Gross Gross Fair Mortgage backed securities and collateralized mortgage obligations - residential $ 60,986 3,334 - 64,320 Corporate bonds 9,960 1,062 - 11,022 Total held to maturity $ 70,946 4,396 - 75,342
Securities available for sale [Member]
Investment [Line Items]
Debt securities based on the securities final maturity	The following table distributes the debt securities included in the available for sale portfolio as of June 30, 2015, based on the securities’ final maturity (mortgage backed securities and collateralized mortgage obligations are stated using an estimated average life): (dollars in thousands) Amortized Fair Due in one year or less $ 2,546 2,542 Due in one year through five years 497,021 493,286 Due after five years through ten years 198,619 193,782 Due after ten years 18 18 $ 698,204 689,628
Gross unrealized losses on investment securities and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position	Gross unrealized losses on securities available for sale and the related fair values aggregated by the length of time that individual securities have been in an unrealized loss position, were as follows: (dollars in thousands) June 30, 2015 Less than 12 months Total Fair Gross Fair Gross Fair Gross U.S. government sponsored enterprises $ 31,493 51 56,351 170 87,844 221 Mortgage backed securities and collateralized mortgage obligations - residential 183,404 2,307 188,924 3,818 372,328 6,125 Small Business Administration - guaranteed participation securities 7,973 164 87,350 2,572 95,323 2,736 Mortgage backed securities and collateralized mortgage obligations - commercial - - 10,399 161 10,399 161 Total $ 222,870 2,522 343,024 6,721 565,894 9,243 (dollars in thousands) December 31, 2014 Less than 12 months Total Fair Gross Fair Gross Fair Gross U.S. government sponsored enterprises $ 12,840 81 54,959 541 67,799 622 Mortgage backed securities and collateralized mortgage obligations - residential 65,549 492 325,476 3,163 391,025 3,655 Small Business Administration - guaranteed participation securities - - 100,496 2,777 100,496 2,777 Mortgage backed securities and collateralized mortgage obligations - commercial - - 10,447 249 10,447 249 Total $ 78,389 573 491,378 6,730 569,767 7,303
Held to maturity securities [Member]
Investment [Line Items]
Debt securities based on the securities final maturity	The following table distributes the debt securities included in the held to maturity portfolio as of June 30, 2015, based on the securities’ final maturity (mortgage backed securities and collateralized mortgage obligations are stated using an estimated average life): (dollars in thousands) Amortized Fair Due in one year or less $ - - Due in one year through five years 63,543 67,689 Due in five years through ten years - - $ 63,543 67,689

Loans and Allowance for Loan 21

Loans and Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2015
Loans and Allowance for Loan Losses [Abstract]
Recorded investment in loans by loan class	The following table presents the recorded investment in loans by loan class: June 30, 2015 (dollars in thousands) New York and Florida Total Commercial: Commercial real estate $ 169,957 15,922 185,879 Other 23,414 106 23,520 Real estate mortgage - 1 to 4 family: First mortgages 2,075,448 535,210 2,610,658 Home equity loans 51,857 7,414 59,271 Home equity lines of credit 307,519 47,427 354,946 Installment 7,663 1,011 8,674 Total loans, net $ 2,635,858 607,090 3,242,948 Less: Allowance for loan losses 45,571 Net loans $ 3,197,377 December 31, 2014 (dollars in thousands) New York and Florida Total Commercial: Commercial real estate $ 174,788 19,336 194,124 Other 29,200 58 29,258 Real estate mortgage - 1 to 4 family: First mortgages 2,041,140 476,427 2,517,567 Home equity loans 51,713 5,942 57,655 Home equity lines of credit 308,764 43,370 352,134 Installment 6,774 820 7,594 Total loans, net $ 2,612,379 545,953 3,158,332 Less: Allowance for loan losses 46,327 Net loans $ 3,112,005 *Includes New York, New Jersey, Vermont and Massachusetts
Recorded investment in non-accrual loans by loan class	The following table presents the recorded investment in non-accrual loans by loan class: June 30, 2015 (dollars in thousands) New York and Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 3,260 - 3,260 Other 3 - 3 Real estate mortgage - 1 to 4 family: First mortgages 24,179 1,407 25,586 Home equity loans 284 - 284 Home equity lines of credit 2,903 271 3,174 Installment 79 10 89 Total non-accrual loans 30,708 1,688 32,396 Restructured real estate mortgages - 1 to 4 family 74 - 74 Total nonperforming loans $ 30,782 1,688 32,470 December 31, 2014 (dollars in thousands) New York and Florida Total Loans in non-accrual status: Commercial: Commercial real estate $ 3,835 - 3,835 Other - - - Real estate mortgage - 1 to 4 family: First mortgages 23,643 2,488 26,131 Home equity loans 349 - 349 Home equity lines of credit 3,229 252 3,481 Installment 77 13 90 Total non-accrual loans 31,133 2,753 33,886 Restructured real estate mortgages - 1 to 4 family 125 - 125 Total nonperforming loans $ 31,258 2,753 34,011
Aging of the recorded investment in past due loans by loan class and by region	The following tables present the aging of the recorded investment in past due loans by loan class and by region as of June 30, 2015 and December 31, 2014: New York and other states: June 30, 2015 (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ - 272 2,348 2,620 167,337 169,957 Other - - 3 3 23,411 23,414 Real estate mortgage - 1 to 4 family: First mortgages 2,781 937 16,742 20,460 2,054,988 2,075,448 Home equity loans 53 7 264 324 51,533 51,857 Home equity lines of credit 943 177 1,286 2,406 305,113 307,519 Installment 36 26 37 99 7,564 7,663 Total $ 3,813 1,419 20,680 25,912 2,609,946 2,635,858 Florida: (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ 33 - - 33 15,889 15,922 Other - - - - 106 106 Real estate mortgage - 1 to 4 family: First mortgages 673 89 1,014 1,776 533,434 535,210 Home equity loans - - - - 7,414 7,414 Home equity lines of credit - - 99 99 47,328 47,427 Installment - 3 - 3 1,008 1,011 Total $ 706 92 1,113 1,911 605,179 607,090 Total: (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ 33 272 2,348 2,653 183,226 185,879 Other - - 3 3 23,517 23,520 Real estate mortgage - 1 to 4 family: First mortgages 3,454 1,026 17,756 22,236 2,588,422 2,610,658 Home equity loans 53 7 264 324 58,947 59,271 Home equity lines of credit 943 177 1,385 2,505 352,441 354,946 Installment 36 29 37 102 8,572 8,674 Total $ 4,519 1,511 21,793 27,823 3,215,125 3,242,948 New York and other states: December 31, 2014 (dollars in thousands) 30-59 60-89 90+ Total Current Loans Commercial: Commercial real estate $ 618 52 2,627 3,297 171,491 174,788 Other - - - - 29,200 29,200 Real estate mortgage - 1 to 4 family: First mortgages 3,340 3,874 16,782 23,996 2,017,144 2,041,140 Home equity loans 141 59 337 537 51,176 51,713 Home equity lines of credit 568 342 1,198 2,108 306,656 308,764 Installment 79 10 58 147 6,627 6,774 Total $ 4,746 4,337 21,002 30,085 2,582,294 2,612,379 Florida: (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ - - - - 19,336 19,336 Other - - - - 58 58 Real estate mortgage - 1 to 4 family: First mortgages 801 283 1,225 2,309 474,118 476,427 Home equity loans - - - - 5,942 5,942 Home equity lines of credit 173 - 116 289 43,081 43,370 Installment 17 - - 17 803 820 Total $ 991 283 1,341 2,615 543,338 545,953 Total: (dollars in thousands) 30-59 60-89 90+ Total Current Total Commercial: Commercial real estate $ 618 52 2,627 3,297 190,827 194,124 Other - - - - 29,258 29,258 Real estate mortgage - 1 to 4 family: First mortgages 4,141 4,157 18,007 26,305 2,491,262 2,517,567 Home equity loans 141 59 337 537 57,118 57,655 Home equity lines of credit 741 342 1,314 2,397 349,737 352,134 Installment 96 10 58 164 7,430 7,594 Total $ 5,737 4,620 22,343 32,700 3,125,632 3,158,332
Activity in the allowance for loan losses by portfolio segment	Activity in the allowance for loan losses by portfolio segment is summarized as follows: (dollars in thousands) For the three months ended June 30, 2015 Commercial Real Estate Installment Total Balance at beginning of period $ 4,024 41,529 391 45,944 Loans charged off: New York and other states* 50 1,066 33 1,149 Florida - 169 - 169 Total loan chargeoffs 50 1,235 33 1,318 Recoveries of loans previously charged off: New York and other states* - 133 9 142 Florida 1 2 - 3 Total recoveries 1 135 9 145 Net loans charged off 49 1,100 24 1,173 Provision for loan losses 47 658 95 800 Balance at end of period $ 4,022 41,087 462 45,571 (dollars in thousands) For the three months ended June 30, 2014 Commercial Real Estate Installment Total Balance at beginning of period $ 3,840 43,091 104 47,035 Loans charged off: New York and other states* 13 1,691 32 1,736 Florida - 75 10 85 Total loan chargeoffs 13 1,766 42 1,821 Recoveries of loans previously charged off: New York and other states* - 195 8 203 Florida 2 16 - 18 Total recoveries 2 211 8 221 Net loans charged off 11 1,555 34 1,600 Provision for loan losses 244 1,216 40 1,500 Balance at end of period $ 4,073 42,752 110 46,935 (dollars in thousands) For the six months ended June 30, 2015 Commercial Real Estate Installment Total Balance at beginning of period $ 4,071 42,088 168 46,327 Loans charged off: New York and other states* 100 2,180 76 2,356 Florida - 278 - 278 Total loan chargeoffs 100 2,458 76 2,634 Recoveries of loans previously charged off: New York and other states* 16 243 15 274 Florida 2 2 - 4 Total recoveries 18 245 15 278 Net loans charged off 82 2,213 61 2,356 Provision for loan losses 33 1,212 355 1,600 Balance at end of period $ 4,022 41,087 462 45,571 (dollars in thousands) For the six months ended June 30, 2014 Commercial Real Estate Installment Total Balance at beginning of period $ 4,019 43,597 98 47,714 Loans charged off: New York and other states* 273 2,617 81 2,971 Florida 613 542 12 1,167 Total loan chargeoffs 886 3,159 93 4,138 Recoveries of loans previously charged off: New York and other states* 18 270 13 301 Florida 3 55 - 58 Total recoveries 21 325 13 359 Net loans charged off 865 2,834 80 3,779 Provision for loan losses 919 1,989 92 3,000 Balance at end of period $ 4,073 42,752 110 46,935
Allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method	The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014: June 30, 2015 (dollars in thousands) Commercial Loans 1-to-4 Family Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 4,022 41,087 462 45,571 Total ending allowance balance $ 4,022 41,087 462 45,571 Loans: Individually evaluated for impairment $ 3,551 23,070 - 26,621 Collectively evaluated for impairment 205,848 3,001,805 8,674 3,216,327 Total ending loans balance $ 209,399 3,024,875 8,674 3,242,948 December 31, 2014 (dollars in thousands) Commercial Loans 1-to-4 Family Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 4,071 42,088 168 46,327 Total ending allowance balance $ 4,071 42,088 168 46,327 Loans: Individually evaluated for impairment $ 4,129 22,406 - 26,535 Collectively evaluated for impairment 219,253 2,904,950 7,594 3,131,797 Total ending loans balance $ 223,382 2,927,356 7,594 3,158,332
Impaired loans by loan class	The following tables present impaired loans by loan class as of June 30, 2015 and December 31, 2014: New York and other states: June 30, 2015 (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ 3,548 3,726 - 3,527 Other 3 3 - - Real estate mortgage - 1 to 4 family: First mortgages 18,614 19,642 - 18,372 Home equity loans 467 510 - 362 Home equity lines of credit 2,029 2,217 - 2,294 Total $ 24,661 26,098 - 24,555 Florida: (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ - - - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 1,255 1,347 - 1,339 Home equity loans 54 54 - 55 Home equity lines of credit 651 735 - 660 Total $ 1,960 2,136 - 2,054 Total: (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ 3,548 3,726 - 3,527 Other 3 3 - - Real estate mortgage - 1 to 4 family: First mortgages 19,869 20,989 - 19,711 Home equity loans 521 564 - 417 Home equity lines of credit 2,680 2,952 - 2,954 Total $ 26,621 28,234 - 26,609 New York and other states: December 31, 2014 (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ 4,129 5,499 - 4,798 Other - - - 61 Real estate mortgage - 1 to 4 family: First mortgages 17,579 18,689 - 17,261 Home equity loans 366 410 - 454 Home equity lines of credit 2,492 2,778 - 2,578 Total $ 24,566 27,376 - 25,152 Florida: (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ - - - 577 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 1,289 1,380 - 1,422 Home equity loans 56 56 - 5 Home equity lines of credit 624 773 - 581 Total $ 1,969 2,209 - 2,585 Total: (dollars in thousands) Recorded Unpaid Related Average Commercial: Commercial real estate $ 4,129 5,499 - 5,375 Other - - - 61 Real estate mortgage - 1 to 4 family: First mortgages 18,868 20,069 - 18,683 Home equity loans 422 466 - 459 Home equity lines of credit 3,116 3,551 - 3,159 Total $ 26,535 29,585 - 27,737
Modified loans by class that were determined to be TDR's	The following table presents, by class, loans that were modified as TDR’s: Three months ended 6/30/2015 Three months ended 6/30/2014 New York and other states*: (dollars in thousands) Number of Pre-Modification Post-Modification Number of Pre-Modification Post-Modification Commercial: Commercial real estate - $ - $ - 1 $ 300 $ 300 Real estate mortgage - 1 to 4 family: First mortgages 13 1,542 1,542 12 1,611 1,611 Home equity loans 1 139 139 1 47 47 Home equity lines of credit 2 44 44 2 443 443 Total 16 $ 1,725 $ 1,725 16 $ 2,401 $ 2,401 Florida: Number of Pre-Modification Post-Modification Number of Pre-Modification Post-Modification (dollars in thousands) Contracts Investment Investment Contracts Investment Investment Real estate mortgage - 1 to 4 family: First mortgages - $ - $ - 2 $ 192 $ 192 Home equity lines of credit - - - - - - Total - $ - $ - 2 $ 192 $ 192 Six months ended 6/30/2015 Six months ended 6/30/2014 New York and other states*: Number of Pre-Modification Post-Modification Number of Pre-Modification Post-Modification (dollars in thousands) Contracts Investment Investment Contracts Investment Investment Commercial: Commercial real estate - $ - $ - 1 $ 300 $ 300 Real estate mortgage - 1 to 4 family: First mortgages 20 2,987 2,987 20 2,985 2,985 Home equity loans 1 139 139 2 51 51 Home equity lines of credit 2 44 44 3 565 565 Total 23 $ 3,170 $ 3,170 26 $ 3,901 $ 3,901 Florida: Number of Pre-Modification Post-Modification Number of Pre-Modification Post-Modification (dollars in thousands) Contracts Investment Investment Contracts Investment Investment Real estate mortgage - 1 to 4 family: First mortgages 1 $ 157 $ 157 4 $ 364 $ 364 Home equity lines of credit 2 50 50 2 354 354 Total 3 $ 207 $ 207 6 $ 718 $ 718
Loans by class modified as TDR's for which there was a payment default	The following table presents, by class, TDR’s that defaulted during the three and six months ended June 30, 2015 and 2014 which had been modified within the last twelve months: Three months ended 6/30/2015 Three months ended 6/30/2014 New York and other states*: Number of Recorded Number of Recorded (dollars in thousands) Contracts Investment Contracts Investment Real estate mortgage - 1 to 4 family: First mortgages - $ - 2 $ 161 Total - $ - 2 $ 161 Florida: (dollars in thousands) Number of Recorded Number of Recorded Real estate mortgage - 1 to 4 family: Home equity lines of credit - $ - - $ - Total - $ - - $ - Six months ended 6/30/2015 Six months ended 6/30/2014 New York and other states*: Number of Recorded Number of Recorded (dollars in thousands) Contracts Investment Contracts Investment Real estate mortgage - 1 to 4 family: First mortgages - $ - 4 $ 308 Total - $ - 4 $ 308 Florida: (dollars in thousands) Number of Recorded Number of Recorded Real estate mortgage - 1 to 4 family: Home equity lines of credit 1 $ 50 1 $ 279 Total 1 $ 50 1 $ 279
Risk category of loans by class of loans	As of June 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows: June 30, 2015 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 158,761 11,196 169,957 Other 22,557 857 23,414 $ 181,318 12,053 193,371 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 15,922 - 15,922 Other 106 - 106 $ 16,028 - 16,028 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 174,683 11,196 185,879 Other 22,663 857 23,520 $ 197,346 12,053 209,399 December 31, 2014 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 162,589 12,199 174,788 Other 28,677 523 29,200 $ 191,266 12,722 203,988 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 19,336 - 19,336 Other 58 - 58 $ 19,394 - 19,394 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 181,925 12,199 194,124 Other 28,735 523 29,258 $ 210,660 12,722 223,382

Fair Value of Financial Instr22

Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value of Financial Instruments [Abstract]
Assets and liabilities measured at fair value on a recurring basis	Assets and liabilities measured at fair value under ASC 820 on a recurring basis are summarized below: Fair Value Measurements at Carrying Quoted Prices in Significant Significant Value (Level 1) (Level 2) (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 152,082 $ - $ 152,082 $ - State and political subdivisions 1,969 - 1,969 - Mortgage backed securities and collateralized mortgage obligations - residential 429,205 - 429,205 - Small Business Administration- guaranteed participation securities 95,323 - 95,323 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,399 - 10,399 - Other 685 35 650 - Total securities available for sale $ 689,663 $ 35 $ 689,628 $ - Fair Value Measurements at December 31, 2014 Using: Carrying Quoted Prices in Significant Significant Value (Level 1) (Level 2) (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 77,800 $ - $ 77,800 $ - State and political subdivisions 2,271 - 2,271 - Mortgage backed securities and collateralized mortgage obligations - residential 483,560 - 483,560 - Corporate bonds 1,500 - 1,500 - Small Business Administration- guaranteed participation securities 100,496 - 100,496 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,447 - 10,447 - Other 685 35 650 - Total securities available for sale $ 676,759 $ 35 $ 676,724 $ -
Assets measured at fair value on a non-recurring basis	Assets measured at fair value on a non-recurring basis are summarized below: Fair Value Measurements at June 30, 2015 Using: Carrying Quoted Prices in Significant Significant Value (Level 1) (Level 2) (Level 3) (dollars in thousands) Other real estate owned $ 6,108 $ - $ - $ 6,108 Impaired loans: Commercial real estate 36 - - 36 Real estate mortgage - 1 to 4 family: First mortgages 1,536 - - 1,536 Home equity lines of credit 89 - - 89 Fair Value Measurements at Carrying Quoted Prices in Significant Significant Value (Level 1) (Level 2) (Level 3) (dollars in thousands) Other real estate owned $ 6,441 $ - $ - $ 6,441 Impaired loans: Commercial real estate 206 - - 206 Real estate mortgage - 1 to 4 family: First mortgages 2,627 - - 2,627 Home equity lines of credit 810 - - 810
Carrying amounts and estimated fair values of financial instruments	In accordance with ASC 825, the carrying amounts and estimated fair values of financial instruments, at June 30, 2015 and December 31, 2014 are as follows: (dollars in thousands) Fair Value Measurements at Carrying June 30, 2015 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 678,585 678,585 - - 678,585 Securities available for sale 689,663 35 689,628 - 689,663 Held to maturity securities 63,543 - 67,689 - 67,689 Federal Reserve Bank and Federal Home Loan Bank stock 9,480 N/ A N/ A N/ A N/ A Net loans 3,197,377 - - 3,252,841 3,252,841 Accrued interest receivable 10,807 26 2,652 8,129 10,807 Financial liabilities: Demand deposits 355,783 355,783 - - 355,783 Interest bearing deposits 3,781,658 2,596,394 1,185,529 - 3,781,923 Short-term borrowings 170,750 - 170,750 - 170,750 Accrued interest payable 515 77 438 - 515 (dollars in thousands) Fair Value Measurements at Carrying December 31, 2014 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 671,448 671,448 - - 671,448 Securities available for sale 676,759 35 676,724 - 676,759 Held to maturity securities 70,946 - 75,342 - 75,342 Federal Reserve Bank and Federal Home Loan Bank stock 9,228 N/ A N/ A N/ A N/ A Net loans 3,112,005 - - 3,171,005 3,171,005 Accrued interest receivable 10,800 30 2,694 8,076 10,800 Financial liabilities: Demand deposits 331,425 331,425 - - 331,425 Interest bearing deposits 3,700,816 2,537,583 1,163,245 - 3,700,828 Short-term borrowings 189,116 - 189,116 - 189,116 Accrued interest payable 548 100 448 - 548

Other Comprehensive (Loss) In23

Other Comprehensive (Loss) Income (Tables)	6 Months Ended
	Jun. 30, 2015
Other Comprehensive (Loss) Income [Abstract]
Accumulated other comprehensive income (loss), net of tax	The following is a summary of the accumulated other comprehensive loss balances, net of tax: Three months ended 6/30/15 (dollars in thousands) Balance at Other Amount Other Balance at Net unrealized holding (loss) gain on securities available for sale, net of tax $ (1,855 ) (3,289 ) - (3,289 ) (5,144 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax (832 ) - 49 49 (783 ) Accumulated other comprehensive income (loss), net of tax (2,687 ) (3,289 ) 49 (3,240 ) (5,927 ) Three months ended 6/30/14 (dollars in thousands) Balance at Other Amount Other Balance at Net unrealized holding gain (loss) on securities available for sale, net of tax $ (13,655 ) 6,912 - 6,912 (6,743 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 4,203 - (71 ) (71 ) 4,132 Accumulated other comprehensive income (loss), net of tax (9,452 ) 6,912 (71 ) 6,841 (2,611 ) Six months ended 6/30/15 (dollars in thousands) Balance at Other Amount Other Balance at Net unrealized holding gain (loss) on securities available for sale, net of tax $ (3,693 ) (1,302 ) (149 ) (1,451 ) (5,144 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax (816 ) - 33 33 (783 ) Accumulated other comprehensive income (loss), net of tax (4,509 ) (1,302 ) (116 ) (1,418 ) (5,927 ) Six months ended 6/30/14 (dollars in thousands) Balance at Other Amount Other Balance at Net unrealized holding gain (loss) on securities available for sale, net of tax $ (18,078 ) 11,339 (4 ) 11,335 (6,743 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 4,275 - (143 ) (143 ) 4,132 Accumulated other comprehensive income (loss), net of tax (13,803 ) 11,339 (147 ) 11,192 (2,611 )
Reclassifications out of accumulated other comprehensive income (loss)	The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three months and six months ended June 30, 2015 and 2014: (dollars in thousands) Three months ended Six months ended 2015 2014 2015 2014 Affected Line Item in Statements Unrealized gains (losses) on securities available for sale Realized gain on securities transactions $ - - $ 249 6 Net gain on securities transactions Income tax expense - - (100 ) (2 ) Income taxes Net of tax - - 149 4 Amortization of pension and postretirement benefit items Amortization of net actuarial (loss) gain (15 ) 74 (10 ) 146 Salaries and employee benefits Amortization of prior service (cost) credit (67 ) 45 (45 ) 90 Salaries and employee benefits Income tax benefit 33 (48 ) 22 (93 ) Income taxes Net of tax (49 ) 71 (33 ) 143 Total reclassifications, net of tax $ (49 ) 71 $ 116 147

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Reconciliation of component parts of earnings per share [Abstract]
Net income	$ 10,727	$ 11,808	$ 21,442	$ 22,819
Less: Net income allocated to participating securities	0	13	0	26
Net income allocated to common shareholders	10,727	11,795	21,442	22,793
Basic EPS [Abstract]
Distributed earnings allocated to common stock	6,238	6,213	12,466	12,419
Undistributed earnings allocated to common stock	4,489	5,582	8,976	10,374
Net income allocated to common shareholders	$ 10,727	$ 11,795	$ 21,442	$ 22,793
Weighted average common shares outstanding including participating securities (in shares)	95,056	94,665	95,002	94,642
Less: Participating securities (in shares)	0	106	0	106
Weighted average common shares (in shares)	95,056	94,559	95,002	94,536
Basic EPS (in dollars per share)	$ 0.113	$ 0.125	$ 0.226	$ 0.241
Diluted EPS [Abstract]
Net income allocated to common shareholders	$ 10,727	$ 11,795	$ 21,442	$ 22,793
Weighted average common shares for basic EPS (in shares)	95,056	94,559	95,002	94,536
Effect of Dilutive Securities [Abstract]
Stock Options (in shares)	134	116	130	122
Weighted average common shares including potential dilutive shares (in shares)	95,190	94,675	95,132	94,658
Diluted EPS (in dollars per share)	$ 0.113	$ 0.125	$ 0.225	$ 0.241
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Weighted average number of antidilutive stock options excluded from diluted earnings per share (in shares)	1,400	2,400	1,400	2,400

Benefit Plans (Details)

Benefit Plans (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Components of net periodic benefit cost [Abstract]
Contribution made to pension and postretirement plans			$ 0
Pension Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	$ 15	$ 18	30	$ 36
Interest cost	330	336	660	672
Expected return on plan assets	(684)	(609)	(1,368)	(1,218)
Amortization of net loss (gain)	121	0	81	0
Amortization of prior service cost (credit)	0	0	0	0
Net periodic benefit	(218)	(255)	(597)	(510)
Other Postretirement Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	39	15	78	29
Interest cost	64	32	129	64
Expected return on plan assets	(180)	(169)	(361)	(338)
Amortization of net loss (gain)	(106)	(74)	(71)	(146)
Amortization of prior service cost (credit)	67	(45)	45	(90)
Net periodic benefit	$ (116)	$ (241)	$ (180)	$ (481)

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 698,239	$ 682,913
Gross Unrealized Gains	667	1,149
Gross Unrealized Losses	9,243	7,303
Fair Value	689,663	676,759
U. S. government sponsored enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	152,216	78,420
Gross Unrealized Gains	87	2
Gross Unrealized Losses	221	622
Fair Value	152,082	77,800
State and political subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	1,939	2,232
Gross Unrealized Gains	30	39
Gross Unrealized Losses	0	0
Fair Value	1,969	2,271
Mortgage-backed securities and collateralized mortgage obligations-residential [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	434,780	486,107
Gross Unrealized Gains	550	1,108
Gross Unrealized Losses	6,125	3,655
Fair Value	429,205	483,560
Corporate bonds [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost		1,500
Gross Unrealized Gains		0
Gross Unrealized Losses		0
Fair Value		1,500
Small Business Administration-guaranteed participation securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	98,059	103,273
Gross Unrealized Gains	0	0
Gross Unrealized Losses	2,736	2,777
Fair Value	95,323	100,496
Mortgage-backed securities and collateralized mortgage obligations-Commercial [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	10,560	10,696
Gross Unrealized Gains	0	0
Gross Unrealized Losses	161	249
Fair Value	10,399	10,447
Other [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	650	650
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	650	650
Debt securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	698,204	682,878
Gross Unrealized Gains	667	1,149
Gross Unrealized Losses	9,243	7,303
Fair Value	689,628	676,724
Equity securities [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	35	35
Gross Unrealized Gains	0	0
Gross Unrealized Losses	0	0
Fair Value	$ 35	$ 35

Investment Securities, Availa27

Investment Securities, Available-for-sale Securities, Maturities (Details) $ in Thousands	Jun. 30, 2015USD ($)
Amortized Cost [Abstract]
Due in one year or less	$ 2,546
Due in one year through five years	497,021
Due after five years through ten years	198,619
Due after ten years	18
Amortized Cost	698,204
Fair Value [Abstract]
Due in one year or less	2,542
Due in one year through five years	493,286
Due after five years through ten years	193,782
Due after ten years	18
Fair Value	$ 689,628

Investment Securities, Availa28

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 222,870	$ 78,389
12 months or more - Fair Value	343,024	491,378
Total - Fair Value	565,894	569,767
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	2,522	573
12 months or more - Gross Unrealized Loss	6,721	6,730
Total - Gross Unrealized Loss	9,243	7,303
U. S. government sponsored enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	31,493	12,840
12 months or more - Fair Value	56,351	54,959
Total - Fair Value	87,844	67,799
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	51	81
12 months or more - Gross Unrealized Loss	170	541
Total - Gross Unrealized Loss	221	622
Mortgage-backed securities and collateralized mortgage obligations-residential [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	183,404	65,549
12 months or more - Fair Value	188,924	325,476
Total - Fair Value	372,328	391,025
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	2,307	492
12 months or more - Gross Unrealized Loss	3,818	3,163
Total - Gross Unrealized Loss	6,125	3,655
Small Business Administration-guaranteed participation securities [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	7,973	0
12 months or more - Fair Value	87,350	100,496
Total - Fair Value	95,323	100,496
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	164	0
12 months or more - Gross Unrealized Loss	2,572	2,777
Total - Gross Unrealized Loss	2,736	2,777
Mortgage-backed securities and collateralized mortgage obligations-Commercial [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	0
12 months or more - Fair Value	10,399	10,447
Total - Fair Value	10,399	10,447
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	0
12 months or more - Gross Unrealized Loss	161	249
Total - Gross Unrealized Loss	$ 161	$ 249

Investment Securities, Availa29

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 0	$ 0	$ 22,945	$ 0
Proceeds from calls	28,891	39,301	58,571	180,623
Gross realized gains	0	0	249	6
Gross realized losses	0	0	0	0
Income tax expense recognized on net gains on sales and calls of securities available for sale	$ 0	$ 0	$ 100	$ 2

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 63,543	$ 70,946
Gross Unrecognized Gains	4,146	4,396
Gross Unrecognized Losses	0	0
Fair Value	67,689	75,342
Mortgage-backed securities and collateralized mortgage obligations-residential [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	53,576	60,986
Gross Unrecognized Gains	3,225	3,334
Gross Unrecognized Losses	0	0
Fair Value	56,801	64,320
Corporate bonds [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	9,967	9,960
Gross Unrecognized Gains	921	1,062
Gross Unrecognized Losses	0	0
Fair Value	$ 10,888	$ 11,022

Investment Securities, Held-t31

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Amortized Cost [Abstract]
Due in one year or less	$ 0
Due in one year through five years	63,543
Due in five years through ten years	0
Amortized Cost	63,543	$ 70,946
Fair Value [Abstract]
Due in one year or less	0
Due in one year through five years	67,689
Due in five years through ten years	0
Fair Value	$ 67,689	$ 75,342

Loans and Allowance for Loan 32

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		$ 3,242,948		$ 3,158,332
Less: Allowance for loan losses		45,571	$ 45,944	46,327	$ 46,935	$ 47,035	$ 47,714
Net loans		3,197,377		3,112,005
Real Estate Construction Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		26,800		38,500
Residential Borrowers [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		12,400		17,600
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		14,400		20,900
Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		209,399		223,382
Less: Allowance for loan losses		4,022	4,024	4,071	4,073	3,840	4,019
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		185,879		194,124
Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		23,520		29,258
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		3,024,875		2,927,356
Less: Allowance for loan losses		41,087	41,529	42,088	42,752	43,091	43,597
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		2,610,658		2,517,567
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		59,271		57,655
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		354,946		352,134
Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		8,674		7,594
Less: Allowance for loan losses		462	$ 391	168	$ 110	$ 104	$ 98
New York and Other States [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	2,635,858		2,612,379
New York and Other States [Member] | Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		193,371		203,988
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	169,957		174,788
New York and Other States [Member] | Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	23,414		29,200
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	2,075,448		2,041,140
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	51,857		51,713
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	307,519		308,764
New York and Other States [Member] | Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	7,663		6,774
Florida [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		607,090		545,953
Florida [Member] | Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		16,028		19,394
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		15,922		19,336
Florida [Member] | Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		106		58
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		535,210		476,427
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		7,414		5,942
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		47,427		43,370
Florida [Member] | Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		$ 1,011		$ 820
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan 33

Loans and Allowance for Loan Losses, Non-accrual Loans, By Loan Class (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Non accrual loans by loan class [Abstract]
Total non-accrual loans	$ 32,396	$ 33,886
Restructured real estate mortgages - 1 to 4 family	74	125
Total nonperforming loans	32,470	34,011
Other real estate owned	3,600	4,200
Residential Real Estate [Member]
Non accrual loans by loan class [Abstract]
Non accrual residential mortgage loans in the process of foreclosure	17,100	17,500
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	3,260	3,835
Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	3	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	25,586	26,131
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	284	349
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	3,174	3,481
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	89	90
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	30,708	31,133
Restructured real estate mortgages - 1 to 4 family	74	125
Total nonperforming loans	30,782	31,258
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	3,260	3,835
New York and Other States [Member] | Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	3	0
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	24,179	23,643
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	284	349
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	2,903	3,229
New York and Other States [Member] | Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	79	77
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	1,688	2,753
Restructured real estate mortgages - 1 to 4 family	0	0
Total nonperforming loans	1,688	2,753
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
Florida [Member] | Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	1,407	2,488
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	271	252
Florida [Member] | Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	$ 10	$ 13

Loans and Allowance for Loan 34

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		6 Months Ended	12 Months Ended
		Jun. 30, 2015	Dec. 31, 2014
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 27,823	$ 32,700
Current		3,215,125	3,125,632
Total loans		3,242,948	3,158,332
Loans that are 90 days past due and still accruing interest		$ 0	$ 0
Number of days past due		90 days	90 days
30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 4,519	$ 5,737
60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,511	4,620
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		21,793	22,343
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		209,399	223,382
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,653	3,297
Current		183,226	190,827
Total loans		185,879	194,124
Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		33	618
Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		272	52
Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,348	2,627
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	0
Current		23,517	29,258
Total loans		23,520	29,258
Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	0
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		3,024,875	2,927,356
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		22,236	26,305
Current		2,588,422	2,491,262
Total loans		2,610,658	2,517,567
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3,454	4,141
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,026	4,157
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		17,756	18,007
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		324	537
Current		58,947	57,118
Total loans		59,271	57,655
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		53	141
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		7	59
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		264	337
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,505	2,397
Current		352,441	349,737
Total loans		354,946	352,134
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		943	741
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		177	342
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,385	1,314
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		102	164
Current		8,572	7,430
Total loans		8,674	7,594
Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		36	96
Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		29	10
Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		37	58
New York and Other States [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		25,912	30,085
Current		2,609,946	2,582,294
Total loans	[1]	2,635,858	2,612,379
New York and Other States [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3,813	4,746
New York and Other States [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,419	4,337
New York and Other States [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		20,680	21,002
New York and Other States [Member] | Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		193,371	203,988
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,620	3,297
Current		167,337	171,491
Total loans	[1]	169,957	174,788
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	618
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		272	52
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,348	2,627
New York and Other States [Member] | Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	0
Current		23,411	29,200
Total loans	[1]	23,414	29,200
New York and Other States [Member] | Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
New York and Other States [Member] | Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
New York and Other States [Member] | Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	0
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		20,460	23,996
Current		2,054,988	2,017,144
Total loans	[1]	2,075,448	2,041,140
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,781	3,340
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		937	3,874
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		16,742	16,782
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		324	537
Current		51,533	51,176
Total loans	[1]	51,857	51,713
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		53	141
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		7	59
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		264	337
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,406	2,108
Current		305,113	306,656
Total loans	[1]	307,519	308,764
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		943	568
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		177	342
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,286	1,198
New York and Other States [Member] | Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		99	147
Current		7,564	6,627
Total loans	[1]	7,663	6,774
New York and Other States [Member] | Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		36	79
New York and Other States [Member] | Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		26	10
New York and Other States [Member] | Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		37	58
Florida [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,911	2,615
Current		605,179	543,338
Total loans		607,090	545,953
Florida [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		706	991
Florida [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		92	283
Florida [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,113	1,341
Florida [Member] | Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		16,028	19,394
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		33	0
Current		15,889	19,336
Total loans		15,922	19,336
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		33	0
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Current		106	58
Total loans		106	58
Florida [Member] | Commercial [Member] | Other [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Commercial [Member] | Other [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Commercial [Member] | Other [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,776	2,309
Current		533,434	474,118
Total loans		535,210	476,427
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		673	801
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		89	283
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,014	1,225
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Current		7,414	5,942
Total loans		7,414	5,942
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		99	289
Current		47,328	43,081
Total loans		47,427	43,370
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	173
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		99	116
Florida [Member] | Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	17
Current		1,008	803
Total loans		1,011	820
Florida [Member] | Installment [Member] | 30 to 59 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	17
Florida [Member] | Installment [Member] | 60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		3	0
Florida [Member] | Installment [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 0	$ 0
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan 35

Loans and Allowance for Loan Losses, Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2015		Jun. 30, 2014		Jun. 30, 2015	Jun. 30, 2014
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	$ 45,944		$ 47,035		$ 46,327	$ 47,714
Loans charged off [Abstract]
Total loan charge offs	1,318		1,821		2,634	4,138
Recoveries of loans previously charged off [Abstract]
Total recoveries	145		221		278	359
Net loans charged off	1,173		1,600		2,356	3,779
Provision for loan losses	800		1,500		1,600	3,000
Balance at end of period	45,571		46,935		45,571	46,935
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	4,024		3,840		4,071	4,019
Loans charged off [Abstract]
Total loan charge offs	50		13		100	886
Recoveries of loans previously charged off [Abstract]
Total recoveries	1		2		18	21
Net loans charged off	49		11		82	865
Provision for loan losses	47		244		33	919
Balance at end of period	4,022		4,073		4,022	4,073
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	41,529		43,091		42,088	43,597
Loans charged off [Abstract]
Total loan charge offs	1,235		1,766		2,458	3,159
Recoveries of loans previously charged off [Abstract]
Total recoveries	135		211		245	325
Net loans charged off	1,100		1,555		2,213	2,834
Provision for loan losses	658		1,216		1,212	1,989
Balance at end of period	41,087		42,752		41,087	42,752
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	391		104		168	98
Loans charged off [Abstract]
Total loan charge offs	33		42		76	93
Recoveries of loans previously charged off [Abstract]
Total recoveries	9		8		15	13
Net loans charged off	24		34		61	80
Provision for loan losses	95		40		355	92
Balance at end of period	462		110		462	110
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	1,149	[1]	1,736	[1]	2,356	2,971
Recoveries of loans previously charged off [Abstract]
Total recoveries	142	[1]	203	[1]	274	301
New York and Other States [Member] | Commercial [Member]
Loans charged off [Abstract]
Total loan charge offs	50	[1]	13	[1]	100	273
Recoveries of loans previously charged off [Abstract]
Total recoveries	0	[1]	0	[1]	16	18
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Loans charged off [Abstract]
Total loan charge offs	1,066	[1]	1,691	[1]	2,180	2,617
Recoveries of loans previously charged off [Abstract]
Total recoveries	133	[1]	195	[1]	243	270
New York and Other States [Member] | Installment [Member]
Loans charged off [Abstract]
Total loan charge offs	33	[1]	32	[1]	76	81
Recoveries of loans previously charged off [Abstract]
Total recoveries	9	[1]	8	[1]	15	13
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs	169		85		278	1,167
Recoveries of loans previously charged off [Abstract]
Total recoveries	3		18		4	58
Florida [Member] | Commercial [Member]
Loans charged off [Abstract]
Total loan charge offs	0		0		0	613
Recoveries of loans previously charged off [Abstract]
Total recoveries	1		2		2	3
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Loans charged off [Abstract]
Total loan charge offs	169		75		278	542
Recoveries of loans previously charged off [Abstract]
Total recoveries	2		16		2	55
Florida [Member] | Installment [Member]
Loans charged off [Abstract]
Total loan charge offs	0		10		0	12
Recoveries of loans previously charged off [Abstract]
Total recoveries	$ 0		$ 0		$ 0	$ 0
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan 36

Loans and Allowance for Loan Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	45,571		46,327
Total ending allowance balance	45,571	$ 45,944	46,327	$ 46,935	$ 47,035	$ 47,714
Loans [Abstract]
Individually evaluated for impairment	26,621		26,535
Collectively evaluated for impairment	3,216,327		3,131,797
Total loans	3,242,948		3,158,332
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	4,022		4,071
Total ending allowance balance	4,022	4,024	4,071	4,073	3,840	4,019
Loans [Abstract]
Individually evaluated for impairment	3,551		4,129
Collectively evaluated for impairment	205,848		219,253
Total loans	209,399		223,382
1 to 4 Family Residential Real Estate [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	41,087		42,088
Total ending allowance balance	41,087	41,529	42,088	42,752	43,091	43,597
Loans [Abstract]
Individually evaluated for impairment	23,070		22,406
Collectively evaluated for impairment	3,001,805		2,904,950
Total loans	3,024,875		2,927,356
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	462		168
Total ending allowance balance	462	$ 391	168	$ 110	$ 104	$ 98
Loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	8,674		7,594
Total loans	$ 8,674		$ 7,594

Loans and Allowance for Loan 37

Loans and Allowance for Loan Losses, Impaired Receivables (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Impaired loans by loans class [Abstract]
Recorded Investment	$ 26,621	$ 26,535
Unpaid Principal Balance	28,234	29,585
Related Allowance	0	0
Average Recorded Investment	26,609	27,737
Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	3,548	4,129
Unpaid Principal Balance	3,726	5,499
Related Allowance	0	0
Average Recorded Investment	3,527	5,375
Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	3	0
Unpaid Principal Balance	3	0
Related Allowance	0	0
Average Recorded Investment	0	61
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	19,869	18,868
Unpaid Principal Balance	20,989	20,069
Related Allowance	0	0
Average Recorded Investment	19,711	18,683
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	521	422
Unpaid Principal Balance	564	466
Related Allowance	0	0
Average Recorded Investment	417	459
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,680	3,116
Unpaid Principal Balance	2,952	3,551
Related Allowance	0	0
Average Recorded Investment	2,954	3,159
New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	24,661	24,566
Unpaid Principal Balance	26,098	27,376
Related Allowance	0	0
Average Recorded Investment	24,555	25,152
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	3,548	4,129
Unpaid Principal Balance	3,726	5,499
Related Allowance	0	0
Average Recorded Investment	3,527	4,798
New York and Other States [Member] | Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	3	0
Unpaid Principal Balance	3	0
Related Allowance	0	0
Average Recorded Investment	0	61
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	18,614	17,579
Unpaid Principal Balance	19,642	18,689
Related Allowance	0	0
Average Recorded Investment	18,372	17,261
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	467	366
Unpaid Principal Balance	510	410
Related Allowance	0	0
Average Recorded Investment	362	454
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,029	2,492
Unpaid Principal Balance	2,217	2,778
Related Allowance	0	0
Average Recorded Investment	2,294	2,578
Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	1,960	1,969
Unpaid Principal Balance	2,136	2,209
Related Allowance	0	0
Average Recorded Investment	2,054	2,585
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	577
Florida [Member] | Commercial [Member] | Other [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Related Allowance	0	0
Average Recorded Investment	0	0
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	1,255	1,289
Unpaid Principal Balance	1,347	1,380
Related Allowance	0	0
Average Recorded Investment	1,339	1,422
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	54	56
Unpaid Principal Balance	54	56
Related Allowance	0	0
Average Recorded Investment	55	5
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	651	624
Unpaid Principal Balance	735	773
Related Allowance	0	0
Average Recorded Investment	$ 660	$ 581

Loans and Allowance for Loan 38

Loans and Allowance for Loan Losses, Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2015USD ($)Contract		Jun. 30, 2014USD ($)Contract		Jun. 30, 2015USD ($)Contract	Jun. 30, 2014USD ($)Contract	Dec. 31, 2014USD ($)
Real Estate Mortgage - 1 to 4 Family [Member]
Financing Receivable, Modifications [Line Items]
TDR's classifications from previously performing loans	$ 11,000				$ 11,000		$ 9,900
New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	16	[1]	16	[1]	23	26
Pre-Modification Outstanding Recorded Investment	$ 1,725	[1]	$ 2,401	[1]	$ 3,170	$ 3,901
Post-Modification Outstanding Recorded Investment	$ 1,725	[1]	$ 2,401	[1]	$ 3,170	$ 3,901
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0	[1]	2	[1]	0	4
Recorded Investment	$ 0	[1]	$ 161	[1]	$ 0	$ 308
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0		1		0	1
Pre-Modification Outstanding Recorded Investment	$ 0		$ 300		$ 0	$ 300
Post-Modification Outstanding Recorded Investment	$ 0		$ 300		$ 0	$ 300
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	13	[1]	12	[1]	20	20
Pre-Modification Outstanding Recorded Investment	$ 1,542	[1]	$ 1,611	[1]	$ 2,987	$ 2,985
Post-Modification Outstanding Recorded Investment	$ 1,542	[1]	$ 1,611	[1]	$ 2,987	$ 2,985
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0	[1]	2	[1]	0	4
Recorded Investment	$ 0	[1]	$ 161	[1]	$ 0	$ 308
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	1	[1]	1	[1]	1	2
Pre-Modification Outstanding Recorded Investment	$ 139	[1]	$ 47	[1]	$ 139	$ 51
Post-Modification Outstanding Recorded Investment	$ 139	[1]	$ 47	[1]	$ 139	$ 51
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	2	[1]	2	[1]	2	3
Pre-Modification Outstanding Recorded Investment	$ 44	[1]	$ 443	[1]	$ 44	$ 565
Post-Modification Outstanding Recorded Investment	$ 44	[1]	$ 443	[1]	$ 44	$ 565
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0		2		3	6
Pre-Modification Outstanding Recorded Investment	$ 0		$ 192		$ 207	$ 718
Post-Modification Outstanding Recorded Investment	$ 0		$ 192		$ 207	$ 718
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0		0		1	1
Recorded Investment	$ 0		$ 0		$ 50	$ 279
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0		2		1	4
Pre-Modification Outstanding Recorded Investment	$ 0		$ 192		$ 157	$ 364
Post-Modification Outstanding Recorded Investment	$ 0		$ 192		$ 157	$ 364
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	0		0		2	2
Pre-Modification Outstanding Recorded Investment	$ 0		$ 0		$ 50	$ 354
Post-Modification Outstanding Recorded Investment	$ 0		$ 0		$ 50	$ 354
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0		0		1	1
Recorded Investment	$ 0		$ 0		$ 50	$ 279
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Loans and Allowance for Loan 39

Loans and Allowance for Loan Losses, Modified Loans Payment Status (Details) - 6 months ended Jun. 30, 2015 - USD ($) $ in Thousands	Total
Loans and Allowance for Loan Losses [Abstract]
Deferral period of chapter 13 bankruptcies	60 months
Number of days past due when loans are considered to be in payment default	90 days
Contractual past due period for chapter 13 bankruptcy loans to be in payment default	30 days
Non-homogeneous loans over	$ 150
Internal grading of non-homogeneous loans over	$ 250

Loans and Allowance for Loan 40

Loans and Allowance for Loan Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands		Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		$ 3,242,948	$ 3,158,332
Impaired loans included in classified loans		3,600	4,100
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		209,399	223,382
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		197,346	210,660
Commercial [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		12,053	12,722
Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		185,879	194,124
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		174,683	181,925
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		11,196	12,199
Commercial [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		23,520	29,258
Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		22,663	28,735
Commercial [Member] | Other [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		857	523
New York and Other States [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	2,635,858	2,612,379
New York and Other States [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		193,371	203,988
New York and Other States [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		181,318	191,266
New York and Other States [Member] | Commercial [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		12,053	12,722
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	169,957	174,788
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		158,761	162,589
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		11,196	12,199
New York and Other States [Member] | Commercial [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	23,414	29,200
New York and Other States [Member] | Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		22,557	28,677
New York and Other States [Member] | Commercial [Member] | Other [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		857	523
Florida [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		607,090	545,953
Florida [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		16,028	19,394
Florida [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		16,028	19,394
Florida [Member] | Commercial [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		0	0
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		15,922	19,336
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		15,922	19,336
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		0	0
Florida [Member] | Commercial [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		106	58
Florida [Member] | Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		106	58
Florida [Member] | Commercial [Member] | Other [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		$ 0	$ 0
[1]	Includes New York, New Jersey, Vermont and Massachusetts.

Fair Value of Financial Instr41

Fair Value of Financial Instruments, Part 1 (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Securities available-for sale [Abstract]
Total securities available for sale	$ 689,663	$ 676,759
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available-for sale [Abstract]
Total securities available for sale	35	35
Significant Other Observable Inputs (Level 2) [Member]
Securities available-for sale [Abstract]
Total securities available for sale	689,628	676,724
Significant Unobservable Inputs (Level 3) [Member]
Securities available-for sale [Abstract]
Total securities available for sale	0	0
Recurring [Member] | Carrying Value [Member]
Securities available-for sale [Abstract]
U.S. government sponsored enterprises	152,082	77,800
State and political subdivisions	1,969	2,271
Mortgage-backed securities and collateralized mortgage obligations - residential	429,205	483,560
Corporate bonds		1,500
Small Business Administration-guaranteed participation securities	95,323	100,496
Mortgage-backed securities and collateralized mortgage obligations - commercial	10,399	10,447
Other	685	685
Total securities available for sale	689,663	676,759
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Securities available-for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage-backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds		0
Small Business Administration-guaranteed participation securities	0	0
Mortgage-backed securities and collateralized mortgage obligations - commercial	0	0
Other	35	35
Total securities available for sale	35	35
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities available-for sale [Abstract]
U.S. government sponsored enterprises	152,082	77,800
State and political subdivisions	1,969	2,271
Mortgage-backed securities and collateralized mortgage obligations - residential	429,205	483,560
Corporate bonds		1,500
Small Business Administration-guaranteed participation securities	95,323	100,496
Mortgage-backed securities and collateralized mortgage obligations - commercial	10,399	10,447
Other	650	650
Total securities available for sale	689,628	676,724
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities available-for sale [Abstract]
U.S. government sponsored enterprises	0	0
State and political subdivisions	0	0
Mortgage-backed securities and collateralized mortgage obligations - residential	0	0
Corporate bonds		0
Small Business Administration-guaranteed participation securities	0	0
Mortgage-backed securities and collateralized mortgage obligations - commercial	0	0
Other	0	0
Total securities available for sale	$ 0	$ 0

Fair Value of Financial Instr42

Fair Value of Financial Instruments, Part 2 (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Other Real Estate Owned (ORE) [Abstract]
Other real estate owned, commercial real estate	$ 2,500	$ 2,500	$ 2,200
Other real estate owned, residential real estate properties	3,600	3,600	4,200
Valuation charge on other real estate owned	91	350	2,000
Impaired loans [Abstract]
Impaired loans	26,621	26,621	26,535
Collateral dependent impaired loans	1,700	1,700	3,600
Gross charge offs, commercial impaired loans	30	80	17
Gross charge offs, residential impaired loans	7	137	349
Nonrecurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Other Real Estate Owned (ORE) [Abstract]
Other real estate owned	0	0	0
Impaired loans [Abstract]
Commercial real estate	0	0	0
Real estate mortgage 1 to 4 family: first mortgages	0	0	0
Real estate mortgage 1 to 4 family: Home Equity Lines of Credit	0	0	0
Nonrecurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
Other Real Estate Owned (ORE) [Abstract]
Other real estate owned	0	0	0
Impaired loans [Abstract]
Commercial real estate	0	0	0
Real estate mortgage 1 to 4 family: first mortgages	0	0	0
Real estate mortgage 1 to 4 family: Home Equity Lines of Credit	0	0	0
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
Other Real Estate Owned (ORE) [Abstract]
Other real estate owned	6,108	6,108	6,441
Impaired loans [Abstract]
Commercial real estate	36	36	206
Real estate mortgage 1 to 4 family: first mortgages	1,536	1,536	2,627
Real estate mortgage 1 to 4 family: Home Equity Lines of Credit	89	89	810
Nonrecurring [Member] | Carrying Value [Member]
Other Real Estate Owned (ORE) [Abstract]
Other real estate owned	6,108	6,108	6,441
Impaired loans [Abstract]
Commercial real estate	36	36	206
Real estate mortgage 1 to 4 family: first mortgages	1,536	1,536	2,627
Real estate mortgage 1 to 4 family: Home Equity Lines of Credit	$ 89	$ 89	$ 810

Fair Value of Financial Instr43

Fair Value of Financial Instruments, Part 3 (Details) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Financial assets [Abstract]
Cash and cash equivalents	$ 678,585	$ 671,448	$ 621,548	$ 583,044
Securities available for sale	689,663	676,759
Held-to-maturity securities, carrying value	63,543	70,946
Held to maturity securities	67,689	75,342
Net loans, carrying value	3,197,377	3,112,005
Net loans	3,252,841	3,171,005
Accrued interest receivable	10,807	10,800
Financial liabilities [Abstract]
Demand deposits	355,783	331,425
Interest bearing deposits	3,781,923	3,700,828
Short-term borrowings	170,750	189,116
Accrued interest payable	515	548
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	678,585	671,448
Securities available for sale	35	35
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	26	30
Financial liabilities [Abstract]
Demand deposits	355,783	331,425
Interest bearing deposits	2,596,394	2,537,583
Short-term borrowings	0	0
Accrued interest payable	77	100
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	689,628	676,724
Held to maturity securities	67,689	75,342
Net loans	0	0
Accrued interest receivable	2,652	2,694
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,185,529	1,163,245
Short-term borrowings	170,750	189,116
Accrued interest payable	438	448
Level 3 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	0	0
Held to maturity securities	0	0
Net loans	3,252,841	3,171,005
Accrued interest receivable	8,129	8,076
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	0	0
Short-term borrowings	0	0
Accrued interest payable	0	0
Carrying Value [Member]
Financial assets [Abstract]
Cash and cash equivalents	678,585	671,448
Securities available for sale	689,663	676,759
Held-to-maturity securities, carrying value	63,543	70,946
Federal Reserve Bank and Federal Home Loan Bank stock	9,480	9,228
Net loans, carrying value	3,197,377	3,112,005
Accrued interest receivable	10,807	10,800
Financial liabilities [Abstract]
Demand deposits	355,783	331,425
Interest bearing deposits, carrying value	3,781,658	3,700,816
Short-term borrowings	170,750	189,116
Accrued interest payable	$ 515	$ 548

Other Comprehensive (Loss) In44

Other Comprehensive (Loss) Income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), net of tax, beginning of period	$ (2,687)	$ (9,452)	$ (4,509)	$ (13,803)
Other comprehensive income (loss)- before reclassifications	(3,289)	6,912	(1,302)	11,339
Amount reclassified from accumulated other comprehensive income (loss)	49	(71)	(116)	(147)
Other comprehensive income (loss), net of tax	(3,240)	6,841	(1,418)	11,192
Accumulated other comprehensive income (loss), net of tax, end of period	(5,927)	(2,611)	(5,927)	(2,611)
Net unrealized holding (loss) gain on securities available for sale, net of tax [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), net of tax, beginning of period	(1,855)	(13,655)	(3,693)	(18,078)
Other comprehensive income (loss)- before reclassifications	(3,289)	6,912	(1,302)	11,339
Amount reclassified from accumulated other comprehensive income (loss)	0	0	(149)	(4)
Other comprehensive income (loss), net of tax	(3,289)	6,912	(1,451)	11,335
Accumulated other comprehensive income (loss), net of tax, end of period	(5,144)	(6,743)	(5,144)	(6,743)
Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), net of tax, beginning of period	(832)	4,203	(816)	4,275
Other comprehensive income (loss)- before reclassifications	0	0	0	0
Amount reclassified from accumulated other comprehensive income (loss)	49	(71)	33	(143)
Other comprehensive income (loss), net of tax	49	(71)	33	(143)
Accumulated other comprehensive income (loss), net of tax, end of period	$ (783)	$ 4,132	$ (783)	$ 4,132

Other Comprehensive (Loss) In45

Other Comprehensive (Loss) Income, Reclassifications out of accumulated other comprehensive income (loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Net gain on securities transactions	$ 0	$ 0	$ 249	$ 6
Salaries and employee benefits	8,164	8,012	16,645	15,604
Income taxes	6,467	7,240	12,883	14,343
Net income	10,727	11,808	21,442	22,819
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Net income	(49)	71	116	147
Unrealized Gains (Losses) on Securities Available For Sale [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Net gain on securities transactions	0	0	249	6
Income taxes	0	0	(100)	(2)
Net income	0	0	149	4
Amortization of Pension and Postretirement Benefit Items [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Income taxes	33	(48)	22	(93)
Net income	(49)	71	(33)	143
Amortization of Net Actuarial (Loss) Gain [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	(15)	74	(10)	146
Amortization Of Prior Service (Cost) Credit [Member] | Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	$ (67)	$ 45	$ (45)	$ 90