TrustCo Bank Corp NY (TRST) 10-Q 6 Nov 15 2015 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Oct. 30, 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		95,260,307
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2015

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest and dividend income:
Interest and fees on loans	$ 35,631	$ 34,421	$ 105,957	$ 100,909
Interest and dividends on securities available for sale:
U. S. government sponsored enterprises	584	297	1,162	1,184
State and political subdivisions	23	38	71	150
Mortgage-backed securities and collateralized mortgage obligations-residential	2,230	3,040	6,899	9,417
Corporate bonds	0	2	1	63
Small Business Administration-guaranteed participation securities	497	535	1,522	1,630
Mortgage-backed securities and collateralized mortgage obligations-commercial	37	38	112	114
Other securities	4	4	12	12
Total interest and dividends on securities available for sale	3,375	3,954	9,779	12,570
Interest on held to maturity securities:
Mortgage-backed securities and collateralized mortgage obligations-residential	461	545	1,419	1,747
Corporate bonds	153	153	461	461
Total interest on held to maturity securities	614	698	1,880	2,208
Federal Reserve Bank and Federal Home Loan Bank stock	113	127	347	388
Interest on federal funds sold and other short-term investments	408	374	1,231	1,101
Total interest income	40,141	39,574	119,194	117,176
Interest on deposits:
Interest-bearing checking	117	94	333	267
Savings	603	644	1,860	1,999
Money market deposit accounts	537	648	1,701	1,865
Time deposits	2,544	2,213	7,478	6,199
Interest on short-term borrowings	290	327	936	1,062
Total interest expense	4,091	3,926	12,308	11,392
Net interest income	36,050	35,648	106,886	105,784
Provision for loan losses	800	1,100	2,400	4,100
Net interest income after provision for loan losses	35,250	34,548	104,486	101,684
Noninterest income:
Trustco financial services income	1,351	1,471	4,482	4,386
Fees for services to customers	2,770	2,838	7,985	8,091
Net gain on securities transactions	0	376	249	382
Other	244	205	726	2,295
Total noninterest income	4,365	4,890	13,442	15,154
Noninterest expenses:
Salaries and employee benefits	7,834	8,272	24,479	23,876
Net occupancy expense	3,929	4,013	11,915	12,382
Equipment expense	1,596	1,725	5,341	5,300
Professional services	2,238	1,547	5,811	4,271
Outsourced services	1,425	1,375	4,275	4,125
Advertising expense	668	629	2,001	1,885
FDIC and other insurance	2,202	1,054	4,284	2,958
Other real estate expense, net	806	1,001	1,431	168
Other	2,766	2,576	7,915	7,465
Total noninterest expenses	23,464	22,192	67,452	62,430
Income before taxes	16,151	17,246	50,476	54,408
Income taxes	5,535	6,532	18,418	20,875
Net income	$ 10,616	$ 10,714	$ 32,058	$ 33,533
Net income per share:
Basic (in dollars per share)	$ 0.112	$ 0.113	$ 0.337	$ 0.354
Diluted (in dollars per share)	$ 0.111	$ 0.113	$ 0.337	$ 0.354

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 10,616	$ 10,714	$ 32,058	$ 33,533
Net unrealized holding gain (loss) on securities available for sale	7,855	(1,269)	5,682	17,615
Reclassification adjustments for net gain recognized in income	0	(376)	(249)	(382)
Tax effect	(3,142)	650	(2,171)	(6,893)
Net unrealized gain (loss) on securities available for sale, net of tax	4,713	(995)	3,262	10,340
Amortization of net actuarial loss (gain)	43	(77)	53	(223)
Amortization of prior service cost	23	239	68	149
Tax effect	(26)	(64)	(48)	29
Amortization of net actuarial loss (gain) and prior service cost on pension and postretirement plans, net of tax	40	98	73	(45)
Other comprehensive income (loss), net of tax	4,753	(897)	3,335	10,295
Comprehensive income	$ 15,369	$ 9,817	$ 35,393	$ 43,828

Consolidated Statements of Fina

Consolidated Statements of Financial Condition (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS:
Cash and due from banks	$ 42,560	$ 43,505
Federal funds sold and other short term investments	655,512	627,943
Total cash and cash equivalents	698,072	671,448
Securities available for sale	624,547	676,759
Held to maturity securities (fair value 2015 $63,896; 2014 $75,342)	59,998	70,946
Federal Reserve Bank and Federal Home Loan Bank stock	9,480	9,228
Loans, net of deferred fees and costs	3,282,005	3,158,332
Less: Allowance for loan losses	45,149	46,327
Net loans	3,236,856	3,112,005
Bank premises and equipment, net	37,506	38,565
Other assets	59,358	65,488
Total assets	4,725,817	4,644,439
Deposits:
Demand	354,162	331,425
Interest-bearing checking	719,071	682,210
Savings accounts	1,237,549	1,216,831
Money market deposit accounts	617,103	638,542
Time deposits	1,168,908	1,163,233
Total deposits	4,096,793	4,032,241
Short-term borrowings	184,405	189,116
Accrued expenses and other liabilities	32,327	29,638
Total liabilities	4,313,525	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 September 30, 2015 and December 31, 2014, respectively	98,964	98,945
Surplus	171,788	172,353
Undivided profits	180,093	166,745
Accumulated other comprehensive loss, net of tax	(1,174)	(4,509)
Treasury stock at cost - 3,815,332 and 4,087,295 shares at September 30, 2015 and December 31, 2014, respectively	(37,379)	(40,090)
Total shareholders' equity	412,292	393,444
Total liabilities and shareholders' equity	$ 4,725,817	$ 4,644,439

Consolidated Statements of Fin5

Consolidated Statements of Financial Condition (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
ASSETS:
Held to maturity securities, fair value	$ 63,896	$ 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)	3,815,332	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	33,533	0	0	33,533
Other comprehensive income (loss), net of tax	0	0	0	10,295	0	10,295
Cash dividend declared	0	0	(18,639)	0	0	(18,639)
Stock options exercised and related tax benefits	15	63	0	0	0	78
Sale of treasury stock	0	(869)	0	0	3,016	2,147
Stock based compensation expense	0	260	0	0	0	260
Balance at Sep. 30, 2014	98,942	172,598	162,326	(3,508)	(40,871)	389,487
Balance at Dec. 31, 2014	98,945	172,353	166,745	(4,509)	(40,090)	393,444
Net income	0	0	32,058	0	0	32,058
Other comprehensive income (loss), net of tax	0	0	0	3,335	0	3,335
Cash dividend declared	0	0	(18,710)	0	0	(18,710)
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	(789)	0	0	2,810	2,021
Stock based compensation expense	0	144	0	0	0	144
Balance at Sep. 30, 2015	$ 98,964	$ 171,788	$ 180,093	$ (1,174)	$ (37,379)	$ 412,292

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]
Cash dividend declared (in dollars per share)	$ 0.1969	$ 0.1969
Stock options exercised and related tax (in shares)	19,429	15,000
Purchase of treasury stock (in shares)	14,881
Sale of treasury stock (in shares)	286,844	306,778

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash flows from operating activities:
Net income	$ 32,058	$ 33,533
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	3,469	3,601
Net gain on sale of other real estate owned	(354)	(2,501)
Writedown of other real estate owned	781	1,447
Net gain on sale of building held for sale	0	(1,556)
Provision for loan losses	2,400	4,100
Deferred tax expense	2,832	1,546
Stock based compensation expense	144	260
Net gain on sale of bank premises and equipment	0	(1)
Net gain on sales and calls of securities	(249)	(382)
Decrease (increase) in taxes receivable	3,599	(662)
Decrease in interest receivable	453	407
Increase (decrease) in interest payable	(40)	32
Increase in other assets	(3,400)	(2,900)
Increase (decrease) in accrued expenses and other liabilities	2,713	(678)
Total adjustments	12,348	2,713
Net cash provided by operating activities	44,406	36,246
Cash flows from investing activities:
Proceeds from sales and calls of securities available for sale	189,293	268,499
Proceeds from calls and maturities of held to maturity securities	10,948	12,036
Purchases of securities available for sale	(132,898)	(118,755)
Proceeds from maturities of securities available for sale	1,499	9,002
Purchases of Federal Reserve Bank and Federal Home Loan Bank stock	(252)	(451)
Proceeds from redemptions of Federal Reserve Bank and Federal Home Loan Bank stock	0	1,723
Net increase in loans	(132,594)	(188,009)
Net proceeds from sale of building held for sale	0	4,745
Proceeds from dispositions of other real estate owned	5,464	11,276
Proceeds from dispositions of bank premises and equipment	107	98
Purchases of bank premises and equipment	(2,517)	(6,171)
Net cash used in investing activities	(60,950)	(6,007)
Cash flows from financing activities:
Net increase in deposits	64,552	57,970
Net decrease in short-term borrowings	(4,711)	(24,205)
Proceeds from exercise of stock options	99	78
Proceeds from sale of treasury stock	2,021	2,147
Purchases of treasury stock	(99)	0
Dividends paid	(18,694)	(18,618)
Net cash provided by financing activities	43,168	17,372
Net increase in cash and cash equivalents	26,624	47,611
Cash and cash equivalents at beginning of period	671,448	583,044
Cash and cash equivalents at end of period	698,072	630,655
Cash paid during the year for:
Interest paid	12,348	11,360
Income taxes paid	14,859	21,602
Other non cash items:
Transfer of loans to other real estate owned	5,343	8,487
Transfer of other real estate owned to fixed assets	0	568
Increase in dividends payable	16	21
Change in unrealized gain on securities available for sale-gross of deferred taxes	5,433	17,233
Change in deferred tax effect on unrealized gain on securities available for sale	(2,171)	(6,893)
Amortization of net actuarial gain (loss) and prior service cost on pension and postretirement plans	121	(74)
Change in deferred tax effect of amortization of net actuarial gain (loss) and prior service cost	$ (48)	$ 29

Financial Statement Presentatio

Financial Statement Presentation	9 Months Ended
	Sep. 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 nine months ended September 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 September 30, 2015, the results of operations for the three months and nine months ended September 30, 2015 and 2014, and the cash flows for the nine months ended September 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	9 Months Ended
	Sep. 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 vested in November 2014 and as of September 30, 2015, the Company no longer has unvested restricted stock awards that were previously considered participating securities. As of September 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 nine months ended September 30, 2015 and 2014 is as follows: (In thousands except per share data) For the three months ended September 30: For the nine months ended September 30: 2015 2014 2015 2014 Net income $ 10,616 10,714 $ 32,058 33,533 Less: Net income allocated to participating securities - 12 - 38 Net income allocated to common shareholders $ 10,616 10,702 $ 32,058 33,495 Basic EPS: Distributed earnings allocated to common stock $ 6,244 6,220 $ 18,710 18,639 Undistributed earnings allocated to common stock 4,372 4,482 13,348 14,856 Net income allocated to common shareholders $ 10,616 10,702 $ 32,058 33,495 Weighted average common shares outstanding including participating securities 95,149 94,734 95,051 94,668 Less: Participating securities - 106 - 106 Weighted average common shares 95,149 94,628 95,051 94,562 Basic EPS $ 0.112 0.113 $ 0.337 0.354 Diluted EPS: Net income allocated to common shareholders $ 10,616 10,702 $ 32,058 33,495 Weighted average common shares for basic EPS 95,149 94,628 95,051 94,562 Effect of Dilutive Securities: Stock Options 85 124 116 123 Weighted average common shares including potential dilutive shares 95,234 94,752 95,167 94,685 Diluted EPS $ 0.111 0.113 $ 0.337 0.354 For both the three and nine months ended September 30, 2015, the weighted average number of antidilutive stock options excluded from diluted earnings per share was approximately 1.4 million. For both the three and nine months ended September 30, 2014 the weighted average number of antidilutive stock options excluded from diluted earnings per share was approximately 2.4 million. The stock options are antidilutive because the strike price is greater than the average fair value of the Company’s common stock for the periods presented.

Benefit Plans

Benefit Plans	9 Months Ended
	Sep. 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 nine months ended September 30, 2015 and 2014 for its pension and other postretirement benefit plans: For the three months ended September 30, Pension Benefits Other Postretirement Benefits (dollars in thousands) 2015 2014 2015 2014 Service cost $ 15 8 47 46 Interest cost 337 359 72 99 Expected return on plan assets (684 ) (660 ) (182 ) (166 ) Amortization of net loss (gain) 77 - (34 ) (77 ) Amortization of prior service cost (credit) - - 23 239 Net periodic benefit $ (255 ) (293 ) (74 ) 141 For the nine months ended September 30, Pension Benefits Other Postretirement Benefits (dollars in thousands) 2015 2014 2015 2014 Service cost $ 45 44 125 75 Interest cost 997 1,031 201 163 Expected return on plan assets (2,052 ) (1,878 ) (543 ) (504 ) Amortization of net loss (gain) 158 - (105 ) (223 ) Amortization of prior service cost (credit) - - 68 149 Net periodic benefit $ (852 ) (803 ) (254 ) (340 ) 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 September 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	9 Months Ended
	Sep. 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) September 30, 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 103,421 117 46 103,492 State and political subdivisions 1,937 26 - 1,963 Mortgage backed securities and collateralized mortgage obligations - residential 413,500 1,607 1,229 413,878 Small Business Administration-guaranteed participation securities 95,233 - 1,195 94,038 Mortgage backed securities and collateralized mortgage obligations - commercial 10,492 1 2 10,491 Other 650 - - 650 Total debt securities 625,233 1,751 2,472 624,512 Equity securities 35 - - 35 Total securities available for sale $ 625,268 1,751 2,472 624,547 (dollars in thousands) December 31, 2014 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value 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 September 30, 2015, based on the securities’ final maturities (mortgage backed securities and collateralized mortgage obligations are stated using an estimated average life): (dollars in thousands) Amortized Fair Cost Value Due in one year or less $ 2,459 2,452 Due in one year through five years 317,594 318,781 Due after five years through ten years 305,162 303,261 Due after ten years 18 18 $ 625,233 624,512 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) September 30, 2015 Less than 12 months 12 months or more Total Fair Value Gross Unreal Loss Fair Value Gross Unreal Loss Fair Value Gross Unreal Loss U.S. government sponsored enterprises $ - 0 26,474 46 26,474 46 Mortgage backed securities and collateralized mortgage obligations - residential 65,185 165 176,976 1,064 242,161 1,229 Small Business Administration-guaranteed participation securities 7,595 46 86,443 1,149 94,038 1,195 Mortgage backed securities and collateralized mortgage obligations - commercial - - 4,769 2 4,769 2 Total $ 72,780 211 294,662 2,261 367,442 2,472 (dollars in thousands) December 31, 2014 Less than 12 months 12 months or more Total Fair Value Gross Unreal Loss Fair Value Gross Unreal Loss Fair Value Gross Unreal Loss 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 nine months ended September 30, 2015 and 2014 are as follows: (dollars in thousands) Three months ended September 30, Nine months ended September 30, 2015 2014 2015 2014 Proceeds from sales $ - 42,228 $ 22,945 42,228 Proceeds from calls 107,777 45,648 166,348 226,371 Gross realized gains - 376 249 382 Gross realized losses - - - - For the three months ended September 30, 2014, income tax expense recognized on net gains on sales of securities available for sale were approximately $151 thousand. Income tax expense recognized on net gains on sales of securities available for sale were approximately $100 thousand and $153 thousand for the nine months ended September 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) September 30, 2015 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 50,027 3,088 - 53,115 Corporate bonds 9,971 810 - 10,781 Total held to maturity $ 59,998 3,898 - 63,896 (dollars in thousands) December 31, 2014 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value 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 September 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 Cost Value Due in one year or less $ - - Due in one year through five years 59,998 63,896 Due in five years through ten years - - $ 59,998 63,896 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 September 30, 2015 or December 31, 2014. There were no sales or transfers of held to maturity securities during the three and nine months ended September 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 any 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 September 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 September 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 September 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 September 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 September 30, 2015. As a result of the above analysis, during the three and nine months ended September 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	9 Months Ended
	Sep. 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: September 30, 2015 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 170,185 15,734 185,919 Other 22,776 99 22,875 Real estate mortgage - 1 to 4 family: First mortgages 2,093,433 554,788 2,648,221 Home equity loans 51,852 7,871 59,723 Home equity lines of credit 308,239 48,098 356,337 Installment 7,666 1,264 8,930 Total loans, net $ 2,654,151 627,854 3,282,005 Less: Allowance for loan losses 45,149 Net loans $ 3,236,856 December 31, 2014 (dollars in thousands) New York and other states* 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 September 30, 2015 and December 31, 2014, the Company had approximately $28.3 million and $38.5 million of real estate construction loans, respectively. Of the $28.3 million in real estate construction loans at September 30, 2015, approximately $12.0 million are secured by first mortgages to residential borrowers while approximately $16.3 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: September 30, 2015 (dollars in thousands) New York and Loans in non-accrual status: other states Florida Total Commercial: Commercial real estate $ 3,699 - 3,699 Other - - - Real estate mortgage - 1 to 4 family: First mortgages 22,637 1,723 24,360 Home equity loans 154 - 154 Home equity lines of credit 3,268 331 3,599 Installment 69 9 78 Total non-accrual loans 29,827 2,063 31,890 Restructured real estate mortgages - 1 to 4 family 50 - 50 Total nonperforming loans $ 29,877 2,063 31,940 (dollars in thousands) December 31, 2014 New York and Loans in non-accrual status: other states Florida Total 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 September 30, 2015 and December 31, 2014, other real estate owned included $3.6 million and $4.2 million, respectively, of residential foreclosed properties. In addition, non‐accrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $16.3 million and $17.5 million as of September 30, 2015 and December 31, 2014, respectively. The following tables present the aging of the recorded investment in past due loans by loan class and by region as of September 30, 2015 and December 31, 2014: New York and other states: September 30, 2015 (dollars in thousands) 30-59 60-89 90+ Total Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 109 - 2,790 2,899 167,286 170,185 Other - - - - 22,776 22,776 Real estate mortgage - 1 to 4 family: First mortgages 2,878 1,467 15,378 19,723 2,073,710 2,093,433 Home equity loans 103 - 149 252 51,600 51,852 Home equity lines of credit 271 225 1,453 1,949 306,290 308,239 Installment 113 20 37 170 7,496 7,666 Total $ 3,474 1,712 19,807 24,993 2,629,158 2,654,151 Florida: (dollars in thousands) 30-59 60-89 90+ Total Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 15,734 15,734 Other - - - - 99 99 Real estate mortgage - 1 to 4 family: First mortgages 376 - 1,197 1,573 553,215 554,788 Home equity loans - - - - 7,871 7,871 Home equity lines of credit 59 94 88 241 47,857 48,098 Installment 13 6 - 19 1,245 1,264 Total $ 448 100 1,285 1,833 626,021 627,854 Total: (dollars in thousands) 30-59 60-89 90+ Total Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 109 - 2,790 2,899 183,020 185,919 Other - - - - 22,875 22,875 Real estate mortgage - 1 to 4 family: First mortgages 3,254 1,467 16,575 21,296 2,626,925 2,648,221 Home equity loans 103 - 149 252 59,471 59,723 Home equity lines of credit 330 319 1,541 2,190 354,147 356,337 Installment 126 26 37 189 8,741 8,930 Total $ 3,922 1,812 21,092 26,826 3,255,179 3,282,005 New York and other states: December 31, 2014 (dollars in thousands) 30-59 60-89 90 + Total Days Days Days 30+ days Total Past Due Past Due Past Due Past Due 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 Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans 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 Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans 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 September 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 or more past due 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‐accrual or restructured loans. Activity in the allowance for loan losses by portfolio segment is summarized as follows: (dollars in thousands) For the three months ended September 30, 2015 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,022 41,087 462 45,571 Loans charged off: New York and other states* 3 1,300 50 1,353 Florida - 35 4 39 Total loan chargeoffs 3 1,335 54 1,392 Recoveries of loans previously charged off: New York and other states* - 141 24 165 Florida 3 2 - 5 Total recoveries 3 143 24 170 Net loans charged off - 1,192 30 1,222 Provision for loan losses 34 752 14 800 Balance at end of period $ 4,056 40,647 446 45,149 (dollars in thousands) For the three months ended September 30, 2014 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,073 42,752 110 46,935 Loans charged off: New York and other states* 124 1,187 67 1,378 Florida - 278 - 278 Total loan chargeoffs 124 1,465 67 1,656 Recoveries of loans previously charged off: New York and other states* - 82 10 92 Florida 1 36 4 41 Total recoveries 1 118 14 133 Net loans charged off 123 1,347 53 1,523 Provision for loan losses 95 935 70 1,100 Balance at end of period $ 4,045 42,340 127 46,512 (dollars in thousands) For the nine months ended September 30, 2015 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,071 42,088 168 46,327 Loans charged off: New York and other states* 103 3,480 126 3,709 Florida - 313 4 317 Total loan chargeoffs 103 3,793 130 4,026 Recoveries of loans previously charged off: New York and other states* 16 384 39 439 Florida 5 4 - 9 Total recoveries 21 388 39 448 Net loans charged off 82 3,405 91 3,578 Provision for loan losses 67 1,964 369 2,400 Balance at end of period $ 4,056 40,647 446 45,149 (dollars in thousands) For the nine months ended September 30, 2014 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,019 43,597 98 47,714 Loans charged off: New York and other states* 397 3,804 148 4,349 Florida 613 820 12 1,445 Total loan chargeoffs 1,010 4,624 160 5,794 Recoveries of loans previously charged off: New York and other states* 18 352 23 393 Florida 4 91 4 99 Total recoveries 22 443 27 492 Net loans charged off 988 4,181 133 5,302 Provision for loan losses 1,014 2,924 162 4,100 Balance at end of period $ 4,045 42,340 127 46,512 The Company has identified non‐accrual commercial and commercial real estate loans, as well as all loans restructured under a troubled debt restructuring (“TDR”), as impaired loans. A loan is considered impaired when it is probable that the borrower will be unable to repay the loan according to the original contractual terms of the loan agreement or the loan is restructured as a TDR. 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 September 30, 2015 and December 31, 2014: September 30, 2015 (dollars in thousands) 1-to-4 Family Commercial Loans Residential Real Estate Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 4,056 40,647 446 45,149 Total ending allowance balance $ 4,056 40,647 446 45,149 Loans: Individually evaluated for impairment $ 3,984 23,136 - 27,120 Collectively evaluated for impairment 204,810 3,041,145 8,930 3,254,885 Total ending loans balance $ 208,794 3,064,281 8,930 3,282,005 December 31, 2014 (dollars in thousands) 1-to-4 Family Commercial Loans Residential Real Estate 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 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 September 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 September 30, 2015 and December 31, 2014: New York and other states: September 30, 2015 (dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment Commercial: Commercial real estate $ 3,984 4,162 - 3,612 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 18,130 19,069 - 19,708 Home equity loans 418 445 - 438 Home equity lines of credit 2,120 2,314 - 2,896 Total $ 24,652 25,990 - 26,654 Florida: (dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment Commercial: Commercial real estate $ - - - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 1,772 1,864 - 1,397 Home equity loans 53 53 - 54 Home equity lines of credit 643 727 - 675 Total $ 2,468 2,644 - 2,126 Total: (dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment Commercial: Commercial real estate $ 3,984 4,162 - 3,612 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 19,902 20,933 - 21,105 Home equity loans 471 498 - 492 Home equity lines of credit 2,763 3,041 - 3,571 Total $ 27,120 28,634 - 28,780 New York and other states: December 31, 2014 (dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment 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) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment 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) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment 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 nine months ended September 30, 2015 and 2014. As of September 30, 2015 and December 31, 2014 impaired loans included approximately $11.2 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 September 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 9/30/2015 Three months ended 9/30/2014 New York and other states*: Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 8 1,055 1,055 13 1,830 1,830 Home equity loans - - - 2 12 12 Home equity lines of credit 3 115 115 - - - Total 11 $ 1,170 $ 1,170 15 $ 1,842 $ 1,842 Florida: Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 4 $ 524 $ 524 1 $ 60 $ 60 Home equity lines of credit 2 57 57 1 14 14 Total 6 $ 581 $ 581 2 $ 74 $ 74 Nine months ended 9/30/2015 Nine months ended 9/30/2014 New York and other states*: Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Commercial: Commercial real estate - $ - $ - 1 $ 300 $ 300 Real estate mortgage - 1 to 4 family: First mortgages 28 4,042 4,042 31 4,523 4,523 Home equity loans 1 139 139 4 63 63 Home equity lines of credit 5 159 159 3 565 565 Total 34 $ 4,340 $ 4,340 39 $ 5,451 $ 5,451 Florida: Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 5 $ 681 $ 681 5 $ 423 $ 423 Home equity lines of credit 4 107 107 3 368 368 Total 9 $ 788 $ 788 8 $ 791 $ 791 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 nine months ended September 30, 2015 and 2014 which had been modified within the last twelve months: Three months ended 9/30/2015 Three months ended 9/30/2014 New York and other states*: Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages 1 $ 121 2 $ 203 Total 1 $ 121 2 $ 203 Florida: Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages - $ - 1 $ 60 Total - $ - 1 $ 60 Nine months ended 9/30/2015 Nine months ended 9/30/2014 New York and other states*: Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages 1 $ 121 6 $ 509 Total 1 $ 121 6 $ 509 Florida: Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages - $ - 1 $ 60 Home equity lines of credit 1 $ 50 1 $ 279 Total 1 $ 50 2 $ 339 The TDR’s that subsequently defaulted described above did not have a material impact on the allowance for loan losses. 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, such as commercial and commercial real estate loans, individually by grading the loans based on credit risk. Homogeneous loans, such as residential 1‐to‐4 family loans and installment loans, are also assigned loan grades based primarily on the delinquent status of the loan. The loan grades assigned to all loan types are tested by the Company’s internal loan review department in accordance with the Company’s internal loan review policy. 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 “satisfactory” or “pass” rated loans. As of September 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: September 30, 2015 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 155,836 14,349 170,185 Other 22,036 740 22,776 $ 177,872 15,089 192,961 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 15,734 - 15,734 Other 99 - 99 $ 15,833 - 15,833 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 171,570 14,349 185,919 Other 22,135 740 22,875 $ 193,705 15,089 208,794 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 $3.7 million and $4.1 million at September 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 September 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 September 30, 2015 and December 31, 2014 is presented in the non‐accrual loans table.

Fair Value of Financial Instrum

Fair Value of Financial Instruments	9 Months Ended
	Sep. 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 September 30, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 103,492 $ - $ 103,492 $ - State and political subdivisions 1,963 - 1,963 - Mortgage backed securities and collateralized mortgage obligations - residential 413,878 - 413,878 - Small Business Administration-guaranteed participation securities 94,038 - 94,038 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,491 - 10,491 - Other 685 35 650 - Total securities available for sale $ 624,547 $ 35 $ 624,512 $ - Fair Value Measurements at December 31, 2014 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (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 nine months ended September 30, 2015 and 2014. Assets measured at fair value on a non‐recurring basis are summarized below: Fair Value Measurements at September 30, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Other real estate owned $ 5,893 $ - $ - $ 5,893 Impaired loans: Commercial real estate 36 - - 36 Real estate mortgage - 1 to 4 family: First mortgages 630 - - 630 Home equity lines of credit 77 - - 77 Fair Value Measurements at December 31, 2014 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (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 $5.9 million at September 30, 2015 and consisted of $2.3 million of commercial real estate and $3.6 million of residential real estate properties. Valuation charges of $431 thousand and $781 thousand are included in earnings for the three and nine months ended September 30, 2015, respectively. Of the total impaired loans of $27.1 million at September 30, 2015, $743 thousand 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 September 30, 2015. There were no gross charge offs related to commercial impaired loans included in the table above for the three months ended September 30, 2015. Gross charge offs related to commercial impaired loans included in the table above were $80 thousand for the nine months ended September 30, 2015, while gross charge offs related to residential impaired loans included in the table above amounted to $88 thousand and $131 thousand for the three and nine months ended September 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 September 30, 2015 and December 31, 2014 are as follows: (dollars in thousands) Fair Value Measurements at Carrying September 30, 2015 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 698,072 698,072 - - 698,072 Securities available for sale 624,547 35 624,512 - 624,547 Held to maturity securities 59,998 - 63,896 - 63,896 Federal Reserve Bank and Federal Home Loan Bank stock 9,480 N/ A N/ A N/ A N/ A Net loans 3,236,856 - - 3,276,461 3,276,461 Accrued interest receivable 10,347 62 2,250 8,035 10,347 Financial liabilities: Demand deposits 354,162 354,162 - - 354,162 Interest bearing deposits 3,742,631 2,573,723 1,168,988 - 3,742,711 Short-term borrowings 184,405 - 184,405 - 184,405 Accrued interest payable 508 73 435 - 508 (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.

Accumulated Other Comprehensive

Accumulated Other Comprehensive (Loss) Income	9 Months Ended
	Sep. 30, 2015
Accumulated Other Comprehensive (Loss) Income [Abstract]
Accumulated Other Comprehensive (Loss) Income	(7) Accumulated Other Comprehensive (Loss) Income The following is a summary of the accumulated other comprehensive loss balances, net of tax: Three months ended 9/30/15 Other Amount Other (dollars in thousands) Comprehensive reclassified Comprehensive Income- from Accumulated Income- Balance at Before Other Comprehensive Three months Balance at 7/1/2015 Reclassifications Loss ended 9/30/15 9/30/2015 Net unrealized holding (loss) gain on securities available for sale, net of tax $ (5,144 ) 4,713 - 4,713 (431 ) Net change in net actuarial gain (loss) and prior service cost on pension and postretirement benefit plans, net of tax (783 ) - 40 40 (743 ) Accumulated other comprehensive (loss) income, net of tax (5,927 ) 4,713 40 4,753 (1,174 ) Three months ended 9/30/14 Other Amount Other (dollars in thousands) Comprehensive reclassified Comprehensive Loss- from Accumulated Income (loss)- Balance at Before Other Comprehensive Three months Balance at 7/1/2014 Reclassifications Loss ended 9/30/14 9/30/2014 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (6,743 ) (770 ) (225 ) (995 ) (7,738 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 4,132 - 98 98 4,230 Accumulated other comprehensive income (loss), net of tax (2,611 ) (770 ) (127 ) (897 ) (3,508 ) Nine months ended 9/30/15 Other Amount Other (dollars in thousands) Comprehensive reclassified Comprehensive Income- from Accumulated Income- Balance at Before Other Comprehensive Nine months Balance at 1/1/2015 Reclassifications Loss ended 9/30/15 9/30/2015 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (3,693 ) 3,411 (149 ) 3,262 (431 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax (816 ) - 73 73 (743 ) Accumulated other comprehensive income (loss), net of tax (4,509 ) 3,411 (76 ) 3,335 (1,174 ) Nine months ended 9/30/14 Other Amount Other (dollars in thousands) Comprehensive reclassified Comprehensive Income- from Accumulated Income (loss)- Balance at Before Other Comprehensive Nine months Balance at 1/1/2014 Reclassifications Income ended 9/30/14 9/30/2014 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (18,078 ) 10,569 (229 ) 10,340 (7,738 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 4,275 - (45 ) (45 ) 4,230 Accumulated other comprehensive income (loss), net of tax (13,803 ) 10,569 (274 ) 10,295 (3,508 ) The following represents the reclassifications out of accumulated other comprehensive income (loss) for the three months and nine months ended September 30, 2015 and 2014: Three months ended Nine months ended (dollars in thousands) September 30, September 30, 2015 2014 2015 2014 Affected Line Item in Statements Unrealized gains (losses) on securities available for sale Realized gain on securities transactions $ - 376 $ 249 382 Net gain on securities transactions Income tax expense - (151 ) (100 ) (153 ) Income taxes Net of tax - 225 149 229 Amortization of pension and postretirement benefit items Amortization of net actuarial (loss) gain (43 ) 77 (53 ) 223 Salaries and employee benefits Amortization of prior service (cost) credit (23 ) (239 ) (68 ) (149 ) Salaries and employee benefits Income tax benefit 26 64 48 (29 ) Income taxes Net of tax (40 ) (98 ) (73 ) 45 Total reclassifications, net of tax $ (40 ) 127 $ 76 274

Agreement with the Office of th

Agreement with the Office of the Comptroller of the Currency	9 Months Ended
	Sep. 30, 2015
Agreement with the Office of the Comptroller of the Currency [Abstract]
Agreement with the Office of the Comptroller of the Currency [Text Block]	(8) Agreement with the Office of the Comptroller of the Currency 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. 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	9 Months Ended
	Sep. 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. Accounting Standards Update (“ASU”) 2014-09, “Revenue from Contracts with Customers (Topic 606)” implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 is that an entity should recognize revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. To achieve that core principle, an entity should apply the following steps: (is) identify the contract(s) with a customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations in the contract and (v) recognize revenue when (or as) the entity satisfies a performance obligation. In July 2015, FASB deferred the effective date of the ASU by one year which means ASU 2014-09 will be effective for the Company on January 1, 2018. The Company is currently evaluating the potential impact of ASU 2014-09 on its consolidated financial statements.

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 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 nine months ended September 30, 2015 and 2014 is as follows: (In thousands except per share data) For the three months ended September 30: For the nine months ended September 30: 2015 2014 2015 2014 Net income $ 10,616 10,714 $ 32,058 33,533 Less: Net income allocated to participating securities - 12 - 38 Net income allocated to common shareholders $ 10,616 10,702 $ 32,058 33,495 Basic EPS: Distributed earnings allocated to common stock $ 6,244 6,220 $ 18,710 18,639 Undistributed earnings allocated to common stock 4,372 4,482 13,348 14,856 Net income allocated to common shareholders $ 10,616 10,702 $ 32,058 33,495 Weighted average common shares outstanding including participating securities 95,149 94,734 95,051 94,668 Less: Participating securities - 106 - 106 Weighted average common shares 95,149 94,628 95,051 94,562 Basic EPS $ 0.112 0.113 $ 0.337 0.354 Diluted EPS: Net income allocated to common shareholders $ 10,616 10,702 $ 32,058 33,495 Weighted average common shares for basic EPS 95,149 94,628 95,051 94,562 Effect of Dilutive Securities: Stock Options 85 124 116 123 Weighted average common shares including potential dilutive shares 95,234 94,752 95,167 94,685 Diluted EPS $ 0.111 0.113 $ 0.337 0.354

Benefit Plans (Tables)

Benefit Plans (Tables)	9 Months Ended
	Sep. 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 nine months ended September 30, 2015 and 2014 for its pension and other postretirement benefit plans: For the three months ended September 30, Pension Benefits Other Postretirement Benefits (dollars in thousands) 2015 2014 2015 2014 Service cost $ 15 8 47 46 Interest cost 337 359 72 99 Expected return on plan assets (684 ) (660 ) (182 ) (166 ) Amortization of net loss (gain) 77 - (34 ) (77 ) Amortization of prior service cost (credit) - - 23 239 Net periodic benefit $ (255 ) (293 ) (74 ) 141 For the nine months ended September 30, Pension Benefits Other Postretirement Benefits (dollars in thousands) 2015 2014 2015 2014 Service cost $ 45 44 125 75 Interest cost 997 1,031 201 163 Expected return on plan assets (2,052 ) (1,878 ) (543 ) (504 ) Amortization of net loss (gain) 158 - (105 ) (223 ) Amortization of prior service cost (credit) - - 68 149 Net periodic benefit $ (852 ) (803 ) (254 ) (340 )

Investment Securities (Tables)

Investment Securities (Tables)	9 Months Ended
	Sep. 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) September 30, 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. government sponsored enterprises $ 103,421 117 46 103,492 State and political subdivisions 1,937 26 - 1,963 Mortgage backed securities and collateralized mortgage obligations - residential 413,500 1,607 1,229 413,878 Small Business Administration-guaranteed participation securities 95,233 - 1,195 94,038 Mortgage backed securities and collateralized mortgage obligations - commercial 10,492 1 2 10,491 Other 650 - - 650 Total debt securities 625,233 1,751 2,472 624,512 Equity securities 35 - - 35 Total securities available for sale $ 625,268 1,751 2,472 624,547 (dollars in thousands) December 31, 2014 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value 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 nine months ended September 30, 2015 and 2014 are as follows: (dollars in thousands) Three months ended September 30, Nine months ended September 30, 2015 2014 2015 2014 Proceeds from sales $ - 42,228 $ 22,945 42,228 Proceeds from calls 107,777 45,648 166,348 226,371 Gross realized gains - 376 249 382 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) September 30, 2015 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value Mortgage backed securities and collateralized mortgage obligations - residential $ 50,027 3,088 - 53,115 Corporate bonds 9,971 810 - 10,781 Total held to maturity $ 59,998 3,898 - 63,896 (dollars in thousands) December 31, 2014 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Fair Value 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 September 30, 2015, based on the securities’ final maturities (mortgage backed securities and collateralized mortgage obligations are stated using an estimated average life): (dollars in thousands) Amortized Fair Cost Value Due in one year or less $ 2,459 2,452 Due in one year through five years 317,594 318,781 Due after five years through ten years 305,162 303,261 Due after ten years 18 18 $ 625,233 624,512
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) September 30, 2015 Less than 12 months 12 months or more Total Fair Value Gross Unreal Loss Fair Value Gross Unreal Loss Fair Value Gross Unreal Loss U.S. government sponsored enterprises $ - 0 26,474 46 26,474 46 Mortgage backed securities and collateralized mortgage obligations - residential 65,185 165 176,976 1,064 242,161 1,229 Small Business Administration-guaranteed participation securities 7,595 46 86,443 1,149 94,038 1,195 Mortgage backed securities and collateralized mortgage obligations - commercial - - 4,769 2 4,769 2 Total $ 72,780 211 294,662 2,261 367,442 2,472 (dollars in thousands) December 31, 2014 Less than 12 months 12 months or more Total Fair Value Gross Unreal Loss Fair Value Gross Unreal Loss Fair Value Gross Unreal Loss 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 September 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 Cost Value Due in one year or less $ - - Due in one year through five years 59,998 63,896 Due in five years through ten years - - $ 59,998 63,896

Loans and Allowance for Loan 21

Loans and Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 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: September 30, 2015 (dollars in thousands) New York and other states* Florida Total Commercial: Commercial real estate $ 170,185 15,734 185,919 Other 22,776 99 22,875 Real estate mortgage - 1 to 4 family: First mortgages 2,093,433 554,788 2,648,221 Home equity loans 51,852 7,871 59,723 Home equity lines of credit 308,239 48,098 356,337 Installment 7,666 1,264 8,930 Total loans, net $ 2,654,151 627,854 3,282,005 Less: Allowance for loan losses 45,149 Net loans $ 3,236,856 December 31, 2014 (dollars in thousands) New York and other states* 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: September 30, 2015 (dollars in thousands) New York and Loans in non-accrual status: other states Florida Total Commercial: Commercial real estate $ 3,699 - 3,699 Other - - - Real estate mortgage - 1 to 4 family: First mortgages 22,637 1,723 24,360 Home equity loans 154 - 154 Home equity lines of credit 3,268 331 3,599 Installment 69 9 78 Total non-accrual loans 29,827 2,063 31,890 Restructured real estate mortgages - 1 to 4 family 50 - 50 Total nonperforming loans $ 29,877 2,063 31,940 (dollars in thousands) December 31, 2014 New York and Loans in non-accrual status: other states Florida Total 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 September 30, 2015 and December 31, 2014: New York and other states: September 30, 2015 (dollars in thousands) 30-59 60-89 90+ Total Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 109 - 2,790 2,899 167,286 170,185 Other - - - - 22,776 22,776 Real estate mortgage - 1 to 4 family: First mortgages 2,878 1,467 15,378 19,723 2,073,710 2,093,433 Home equity loans 103 - 149 252 51,600 51,852 Home equity lines of credit 271 225 1,453 1,949 306,290 308,239 Installment 113 20 37 170 7,496 7,666 Total $ 3,474 1,712 19,807 24,993 2,629,158 2,654,151 Florida: (dollars in thousands) 30-59 60-89 90+ Total Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ - - - - 15,734 15,734 Other - - - - 99 99 Real estate mortgage - 1 to 4 family: First mortgages 376 - 1,197 1,573 553,215 554,788 Home equity loans - - - - 7,871 7,871 Home equity lines of credit 59 94 88 241 47,857 48,098 Installment 13 6 - 19 1,245 1,264 Total $ 448 100 1,285 1,833 626,021 627,854 Total: (dollars in thousands) 30-59 60-89 90+ Total Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans Commercial: Commercial real estate $ 109 - 2,790 2,899 183,020 185,919 Other - - - - 22,875 22,875 Real estate mortgage - 1 to 4 family: First mortgages 3,254 1,467 16,575 21,296 2,626,925 2,648,221 Home equity loans 103 - 149 252 59,471 59,723 Home equity lines of credit 330 319 1,541 2,190 354,147 356,337 Installment 126 26 37 189 8,741 8,930 Total $ 3,922 1,812 21,092 26,826 3,255,179 3,282,005 New York and other states: December 31, 2014 (dollars in thousands) 30-59 60-89 90 + Total Days Days Days 30+ days Total Past Due Past Due Past Due Past Due 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 Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans 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 Days Days Days 30+ days Total Past Due Past Due Past Due Past Due Current Loans 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 September 30, 2015 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,022 41,087 462 45,571 Loans charged off: New York and other states* 3 1,300 50 1,353 Florida - 35 4 39 Total loan chargeoffs 3 1,335 54 1,392 Recoveries of loans previously charged off: New York and other states* - 141 24 165 Florida 3 2 - 5 Total recoveries 3 143 24 170 Net loans charged off - 1,192 30 1,222 Provision for loan losses 34 752 14 800 Balance at end of period $ 4,056 40,647 446 45,149 (dollars in thousands) For the three months ended September 30, 2014 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,073 42,752 110 46,935 Loans charged off: New York and other states* 124 1,187 67 1,378 Florida - 278 - 278 Total loan chargeoffs 124 1,465 67 1,656 Recoveries of loans previously charged off: New York and other states* - 82 10 92 Florida 1 36 4 41 Total recoveries 1 118 14 133 Net loans charged off 123 1,347 53 1,523 Provision for loan losses 95 935 70 1,100 Balance at end of period $ 4,045 42,340 127 46,512 (dollars in thousands) For the nine months ended September 30, 2015 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,071 42,088 168 46,327 Loans charged off: New York and other states* 103 3,480 126 3,709 Florida - 313 4 317 Total loan chargeoffs 103 3,793 130 4,026 Recoveries of loans previously charged off: New York and other states* 16 384 39 439 Florida 5 4 - 9 Total recoveries 21 388 39 448 Net loans charged off 82 3,405 91 3,578 Provision for loan losses 67 1,964 369 2,400 Balance at end of period $ 4,056 40,647 446 45,149 (dollars in thousands) For the nine months ended September 30, 2014 Commercial Real Estate Mortgage- 1 to 4 Family Installment Total Balance at beginning of period $ 4,019 43,597 98 47,714 Loans charged off: New York and other states* 397 3,804 148 4,349 Florida 613 820 12 1,445 Total loan chargeoffs 1,010 4,624 160 5,794 Recoveries of loans previously charged off: New York and other states* 18 352 23 393 Florida 4 91 4 99 Total recoveries 22 443 27 492 Net loans charged off 988 4,181 133 5,302 Provision for loan losses 1,014 2,924 162 4,100 Balance at end of period $ 4,045 42,340 127 46,512
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 September 30, 2015 and December 31, 2014: September 30, 2015 (dollars in thousands) 1-to-4 Family Commercial Loans Residential Real Estate Installment Loans Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - - - - Collectively evaluated for impairment 4,056 40,647 446 45,149 Total ending allowance balance $ 4,056 40,647 446 45,149 Loans: Individually evaluated for impairment $ 3,984 23,136 - 27,120 Collectively evaluated for impairment 204,810 3,041,145 8,930 3,254,885 Total ending loans balance $ 208,794 3,064,281 8,930 3,282,005 December 31, 2014 (dollars in thousands) 1-to-4 Family Commercial Loans Residential Real Estate 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 September 30, 2015 and December 31, 2014: New York and other states: September 30, 2015 (dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment Commercial: Commercial real estate $ 3,984 4,162 - 3,612 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 18,130 19,069 - 19,708 Home equity loans 418 445 - 438 Home equity lines of credit 2,120 2,314 - 2,896 Total $ 24,652 25,990 - 26,654 Florida: (dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment Commercial: Commercial real estate $ - - - - Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 1,772 1,864 - 1,397 Home equity loans 53 53 - 54 Home equity lines of credit 643 727 - 675 Total $ 2,468 2,644 - 2,126 Total: (dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment Commercial: Commercial real estate $ 3,984 4,162 - 3,612 Other - - - - Real estate mortgage - 1 to 4 family: First mortgages 19,902 20,933 - 21,105 Home equity loans 471 498 - 492 Home equity lines of credit 2,763 3,041 - 3,571 Total $ 27,120 28,634 - 28,780 New York and other states: December 31, 2014 (dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment 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) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment 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) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment 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 9/30/2015 Three months ended 9/30/2014 New York and other states*: Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 8 1,055 1,055 13 1,830 1,830 Home equity loans - - - 2 12 12 Home equity lines of credit 3 115 115 - - - Total 11 $ 1,170 $ 1,170 15 $ 1,842 $ 1,842 Florida: Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 4 $ 524 $ 524 1 $ 60 $ 60 Home equity lines of credit 2 57 57 1 14 14 Total 6 $ 581 $ 581 2 $ 74 $ 74 Nine months ended 9/30/2015 Nine months ended 9/30/2014 New York and other states*: Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Commercial: Commercial real estate - $ - $ - 1 $ 300 $ 300 Real estate mortgage - 1 to 4 family: First mortgages 28 4,042 4,042 31 4,523 4,523 Home equity loans 1 139 139 4 63 63 Home equity lines of credit 5 159 159 3 565 565 Total 34 $ 4,340 $ 4,340 39 $ 5,451 $ 5,451 Florida: Pre-Modification Post-Modification Pre-Modification Post-Modification (dollars in thousands) Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Outstanding Recorded Investment Real estate mortgage - 1 to 4 family: First mortgages 5 $ 681 $ 681 5 $ 423 $ 423 Home equity lines of credit 4 107 107 3 368 368 Total 9 $ 788 $ 788 8 $ 791 $ 791
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 nine months ended September 30, 2015 and 2014 which had been modified within the last twelve months: Three months ended 9/30/2015 Three months ended 9/30/2014 New York and other states*: Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages 1 $ 121 2 $ 203 Total 1 $ 121 2 $ 203 Florida: Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages - $ - 1 $ 60 Total - $ - 1 $ 60 Nine months ended 9/30/2015 Nine months ended 9/30/2014 New York and other states*: Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages 1 $ 121 6 $ 509 Total 1 $ 121 6 $ 509 Florida: Number of Contracts Recorded Investment Number of Contracts Recorded Investment (dollars in thousands) Real estate mortgage - 1 to 4 family: First mortgages - $ - 1 $ 60 Home equity lines of credit 1 $ 50 1 $ 279 Total 1 $ 50 2 $ 339
Risk category of loans by class of loans	As of September 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: September 30, 2015 New York and other states: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 155,836 14,349 170,185 Other 22,036 740 22,776 $ 177,872 15,089 192,961 Florida: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 15,734 - 15,734 Other 99 - 99 $ 15,833 - 15,833 Total: (dollars in thousands) Pass Classified Total Commercial: Commercial real estate $ 171,570 14,349 185,919 Other 22,135 740 22,875 $ 193,705 15,089 208,794 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)	9 Months Ended
	Sep. 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 September 30, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Securities available for sale: U.S. government sponsored enterprises $ 103,492 $ - $ 103,492 $ - State and political subdivisions 1,963 - 1,963 - Mortgage backed securities and collateralized mortgage obligations - residential 413,878 - 413,878 - Small Business Administration-guaranteed participation securities 94,038 - 94,038 - Mortgage backed securities and collateralized mortgage obligations - commercial 10,491 - 10,491 - Other 685 35 650 - Total securities available for sale $ 624,547 $ 35 $ 624,512 $ - Fair Value Measurements at December 31, 2014 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (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 September 30, 2015 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (dollars in thousands) Other real estate owned $ 5,893 $ - $ - $ 5,893 Impaired loans: Commercial real estate 36 - - 36 Real estate mortgage - 1 to 4 family: First mortgages 630 - - 630 Home equity lines of credit 77 - - 77 Fair Value Measurements at December 31, 2014 Using: Carrying Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (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 September 30, 2015 and December 31, 2014 are as follows: (dollars in thousands) Fair Value Measurements at Carrying September 30, 2015 Using: Value Level 1 Level 2 Level 3 Total Financial assets: Cash and cash equivalents $ 698,072 698,072 - - 698,072 Securities available for sale 624,547 35 624,512 - 624,547 Held to maturity securities 59,998 - 63,896 - 63,896 Federal Reserve Bank and Federal Home Loan Bank stock 9,480 N/ A N/ A N/ A N/ A Net loans 3,236,856 - - 3,276,461 3,276,461 Accrued interest receivable 10,347 62 2,250 8,035 10,347 Financial liabilities: Demand deposits 354,162 354,162 - - 354,162 Interest bearing deposits 3,742,631 2,573,723 1,168,988 - 3,742,711 Short-term borrowings 184,405 - 184,405 - 184,405 Accrued interest payable 508 73 435 - 508 (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

Accumulated Other Comprehensi23

Accumulated Other Comprehensive (Loss) Income (Tables)	9 Months Ended
	Sep. 30, 2015
Accumulated 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 9/30/15 Other Amount Other (dollars in thousands) Comprehensive reclassified Comprehensive Income- from Accumulated Income- Balance at Before Other Comprehensive Three months Balance at 7/1/2015 Reclassifications Loss ended 9/30/15 9/30/2015 Net unrealized holding (loss) gain on securities available for sale, net of tax $ (5,144 ) 4,713 - 4,713 (431 ) Net change in net actuarial gain (loss) and prior service cost on pension and postretirement benefit plans, net of tax (783 ) - 40 40 (743 ) Accumulated other comprehensive (loss) income, net of tax (5,927 ) 4,713 40 4,753 (1,174 ) Three months ended 9/30/14 Other Amount Other (dollars in thousands) Comprehensive reclassified Comprehensive Loss- from Accumulated Income (loss)- Balance at Before Other Comprehensive Three months Balance at 7/1/2014 Reclassifications Loss ended 9/30/14 9/30/2014 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (6,743 ) (770 ) (225 ) (995 ) (7,738 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 4,132 - 98 98 4,230 Accumulated other comprehensive income (loss), net of tax (2,611 ) (770 ) (127 ) (897 ) (3,508 ) Nine months ended 9/30/15 Other Amount Other (dollars in thousands) Comprehensive reclassified Comprehensive Income- from Accumulated Income- Balance at Before Other Comprehensive Nine months Balance at 1/1/2015 Reclassifications Loss ended 9/30/15 9/30/2015 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (3,693 ) 3,411 (149 ) 3,262 (431 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax (816 ) - 73 73 (743 ) Accumulated other comprehensive income (loss), net of tax (4,509 ) 3,411 (76 ) 3,335 (1,174 ) Nine months ended 9/30/14 Other Amount Other (dollars in thousands) Comprehensive reclassified Comprehensive Income- from Accumulated Income (loss)- Balance at Before Other Comprehensive Nine months Balance at 1/1/2014 Reclassifications Income ended 9/30/14 9/30/2014 Net unrealized holding gain (loss) on securities available for sale, net of tax $ (18,078 ) 10,569 (229 ) 10,340 (7,738 ) Net change in net actuarial loss and prior service credit on pension and postretirement benefit plans, net of tax 4,275 - (45 ) (45 ) 4,230 Accumulated other comprehensive income (loss), net of tax (13,803 ) 10,569 (274 ) 10,295 (3,508 )
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 nine months ended September 30, 2015 and 2014: Three months ended Nine months ended (dollars in thousands) September 30, September 30, 2015 2014 2015 2014 Affected Line Item in Statements Unrealized gains (losses) on securities available for sale Realized gain on securities transactions $ - 376 $ 249 382 Net gain on securities transactions Income tax expense - (151 ) (100 ) (153 ) Income taxes Net of tax - 225 149 229 Amortization of pension and postretirement benefit items Amortization of net actuarial (loss) gain (43 ) 77 (53 ) 223 Salaries and employee benefits Amortization of prior service (cost) credit (23 ) (239 ) (68 ) (149 ) Salaries and employee benefits Income tax benefit 26 64 48 (29 ) Income taxes Net of tax (40 ) (98 ) (73 ) 45 Total reclassifications, net of tax $ (40 ) 127 $ 76 274

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Reconciliation of component parts of earnings per share [Abstract]
Net income	$ 10,616	$ 10,714	$ 32,058	$ 33,533
Less: Net income allocated to participating securities	0	12	0	38
Net income allocated to common shareholders	10,616	10,702	32,058	33,495
Basic EPS [Abstract]
Distributed earnings allocated to common stock	6,244	6,220	18,710	18,639
Undistributed earnings allocated to common stock	4,372	4,482	13,348	14,856
Net income allocated to common shareholders	$ 10,616	$ 10,702	$ 32,058	$ 33,495
Weighted average common shares outstanding including participating securities (in shares)	95,149	94,734	95,051	94,668
Less: Participating securities (in shares)	0	106	0	106
Weighted average common shares (in shares)	95,149	94,628	95,051	94,562
Basic EPS (in dollars per share)	$ 0.112	$ 0.113	$ 0.337	$ 0.354
Diluted EPS [Abstract]
Net income allocated to common shareholders	$ 10,616	$ 10,702	$ 32,058	$ 33,495
Weighted average common shares for basic EPS (in shares)	95,149	94,628	95,051	94,562
Effect of Dilutive Securities [Abstract]
Stock Options (in shares)	85	124	116	123
Weighted average common shares including potential dilutive shares (in shares)	95,234	94,752	95,167	94,685
Diluted EPS (in dollars per share)	$ 0.111	$ 0.113	$ 0.337	$ 0.354
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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 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	$ 8	45	$ 44
Interest cost	337	359	997	1,031
Expected return on plan assets	(684)	(660)	(2,052)	(1,878)
Amortization of net loss (gain)	77	0	158	0
Amortization of prior service cost	0	0	0	0
Net periodic benefit	(255)	(293)	(852)	(803)
Other Postretirement Benefits [Member]
Components of net periodic benefit cost [Abstract]
Service cost	47	46	125	75
Interest cost	72	99	201	163
Expected return on plan assets	(182)	(166)	(543)	(504)
Amortization of net loss (gain)	(34)	(77)	(105)	(223)
Amortization of prior service cost	23	239	68	149
Net periodic benefit	$ (74)	$ 141	$ (254)	$ (340)

Investment Securities, Availabl

Investment Securities, Available-for-sale Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	$ 625,268	$ 682,913
Gross Unrealized Gains	1,751	1,149
Gross Unrealized Losses	2,472	7,303
Fair Value	624,547	676,759
U. S. Government Sponsored Enterprises [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	103,421	78,420
Gross Unrealized Gains	117	2
Gross Unrealized Losses	46	622
Fair Value	103,492	77,800
State and Political Subdivisions [Member]
Amortized cost and fair value of the securities available for sale [Abstract]
Amortized Cost	1,937	2,232
Gross Unrealized Gains	26	39
Gross Unrealized Losses	0	0
Fair Value	1,963	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	413,500	486,107
Gross Unrealized Gains	1,607	1,108
Gross Unrealized Losses	1,229	3,655
Fair Value	413,878	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	95,233	103,273
Gross Unrealized Gains	0	0
Gross Unrealized Losses	1,195	2,777
Fair Value	94,038	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	10,492	10,696
Gross Unrealized Gains	1	0
Gross Unrealized Losses	2	249
Fair Value	10,491	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	625,233	682,878
Gross Unrealized Gains	1,751	1,149
Gross Unrealized Losses	2,472	7,303
Fair Value	624,512	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	Sep. 30, 2015USD ($)
Amortized Cost [Abstract]
Due in one year or less	$ 2,459
Due in one year through five years	317,594
Due after five years through ten years	305,162
Due after ten years	18
Amortized Cost	625,233
Fair Value [Abstract]
Due in one year or less	2,452
Due in one year through five years	318,781
Due after five years through ten years	303,261
Due after ten years	18
Fair Value	$ 624,512

Investment Securities, Availa28

Investment Securities, Available-for-sale Securities, Gross Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	$ 72,780	$ 78,389
12 months or more - Fair Value	294,662	491,378
Total - Fair Value	367,442	569,767
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	211	573
12 months or more - Gross Unrealized Loss	2,261	6,730
Total - Gross Unrealized Loss	2,472	7,303
U. S. Government Sponsored Enterprises [Member]
Available for sale securities unrealized loss position - Fair Value [Abstract]
Less than 12 months - Fair Value	0	12,840
12 months or more - Fair Value	26,474	54,959
Total - Fair Value	26,474	67,799
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	0	81
12 months or more - Gross Unrealized Loss	46	541
Total - Gross Unrealized Loss	46	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	65,185	65,549
12 months or more - Fair Value	176,976	325,476
Total - Fair Value	242,161	391,025
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	165	492
12 months or more - Gross Unrealized Loss	1,064	3,163
Total - Gross Unrealized Loss	1,229	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	7,595	0
12 months or more - Fair Value	86,443	100,496
Total - Fair Value	94,038	100,496
Available for sale securities unrealized loss position - Gross Unrealized Loss [Abstract]
Less than 12 months - Gross Unrealized Loss	46	0
12 months or more - Gross Unrealized Loss	1,149	2,777
Total - Gross Unrealized Loss	1,195	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	4,769	10,447
Total - Fair Value	4,769	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	2	249
Total - Gross Unrealized Loss	$ 2	$ 249

Investment Securities, Availa29

Investment Securities, Available-for-sale Securities, Transaction Information (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Proceeds from sales and calls of securities available for sale, gross realized gains and gross realized losses [Abstract]
Proceeds from sales	$ 0	$ 42,228	$ 22,945	$ 42,228
Proceeds from calls	107,777	45,648	166,348	226,371
Gross realized gains	0	376	249	382
Gross realized losses	$ 0	0	0	0
Income tax expense recognized on net gains on sales and calls of securities available for sale		$ 151	$ 100	$ 153

Investment Securities, Held-to-

Investment Securities, Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	$ 59,998	$ 70,946
Gross Unrecognized Gains	3,898	4,396
Gross Unrecognized Losses	0	0
Fair Value	63,896	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	50,027	60,986
Gross Unrecognized Gains	3,088	3,334
Gross Unrecognized Losses	0	0
Fair Value	53,115	64,320
Corporate Bonds [Member]
Amortized cost and fair value of the held to maturity securities [Abstract]
Amortized Cost	9,971	9,960
Gross Unrecognized Gains	810	1,062
Gross Unrecognized Losses	0	0
Fair Value	$ 10,781	$ 11,022

Investment Securities, Held-t31

Investment Securities, Held-to-maturity Securities, Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Amortized Cost [Abstract]
Due in one year or less	$ 0
Due in one year through five years	59,998
Due in five years through ten years	0
Amortized Cost	59,998	$ 70,946
Fair Value [Abstract]
Due in one year or less	0
Due in one year through five years	63,896
Due in five years through ten years	0
Fair Value	$ 63,896	$ 75,342

Loans and Allowance for Loan 32

Loans and Allowance for Loan Losses (Details) - USD ($) $ in Thousands		Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		$ 3,282,005		$ 3,158,332
Less: Allowance for loan losses		45,149	$ 45,571	46,327	$ 46,512	$ 46,935	$ 47,714
Net loans		3,236,856		3,112,005
Real Estate Construction Loans [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		28,300		38,500
Residential Borrowers [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		12,000		17,600
Commercial Borrowers Residential Purpose [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		16,300		20,900
Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		208,794		223,382
Less: Allowance for loan losses		4,056	4,022	4,071	4,045	4,073	4,019
Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		185,919		194,124
Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		22,875		29,258
Real Estate Mortgage - 1 to 4 Family [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		3,064,281		2,927,356
Less: Allowance for loan losses		40,647	41,087	42,088	42,340	42,752	43,597
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		2,648,221		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		59,723		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		356,337		352,134
Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		8,930		7,594
Less: Allowance for loan losses		446	$ 462	168	$ 127	$ 110	$ 98
New York and Other States [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	2,654,151		2,612,379
New York and Other States [Member] | Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		192,961		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]	170,185		174,788
New York and Other States [Member] | Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	22,776		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]	2,093,433		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]	51,852		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]	308,239		308,764
New York and Other States [Member] | Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net	[1]	7,666		6,774
Florida [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		627,854		545,953
Florida [Member] | Commercial [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		15,833		19,394
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		15,734		19,336
Florida [Member] | Commercial [Member] | Other [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		99		58
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		554,788		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		7,871		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		48,098		43,370
Florida [Member] | Installment [Member]
Loans and Leases Receivable, Net Amount [Abstract]
Total loans, net		$ 1,264		$ 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	Sep. 30, 2015	Dec. 31, 2014
Non accrual loans by loan class [Abstract]
Total non-accrual loans	$ 31,890	$ 33,886
Restructured real estate mortgages - 1 to 4 family	50	125
Total nonperforming loans	31,940	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	16,300	17,500
Commercial [Member] | Commercial Real Estate [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	3,699	3,835
Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	0
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	24,360	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	154	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	3,599	3,481
Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	78	90
New York and Other States [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	29,827	31,133
Restructured real estate mortgages - 1 to 4 family	50	125
Total nonperforming loans	29,877	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	3,699	3,835
New York and Other States [Member] | Commercial [Member] | Other [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	0	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	22,637	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	154	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	3,268	3,229
New York and Other States [Member] | Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	69	77
Florida [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	2,063	2,753
Restructured real estate mortgages - 1 to 4 family	0	0
Total nonperforming loans	2,063	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	1,723	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	331	252
Florida [Member] | Installment [Member]
Non accrual loans by loan class [Abstract]
Total non-accrual loans	$ 9	$ 13

Loans and Allowance for Loan 34

Loans and Allowance for Loan Losses, Past Due (Details) - USD ($) $ in Thousands		9 Months Ended	12 Months Ended
		Sep. 30, 2015	Dec. 31, 2014
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		$ 26,826	$ 32,700
Current		3,255,179	3,125,632
Total loans		3,282,005	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		$ 3,922	$ 5,737
60 to 89 Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,812	4,620
90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		21,092	22,343
Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		208,794	223,382
Commercial [Member] | Commercial Real Estate [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		2,899	3,297
Current		183,020	190,827
Total loans		185,919	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		109	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		0	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		2,790	2,627
Commercial [Member] | Other [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		0	0
Current		22,875	29,258
Total loans		22,875	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		0	0
Real Estate Mortgage - 1 to 4 Family [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		3,064,281	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		21,296	26,305
Current		2,626,925	2,491,262
Total loans		2,648,221	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		3,254	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		1,467	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		16,575	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		252	537
Current		59,471	57,118
Total loans		59,723	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		103	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		0	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		149	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		2,190	2,397
Current		354,147	349,737
Total loans		356,337	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		330	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		319	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		1,541	1,314
Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		189	164
Current		8,741	7,430
Total loans		8,930	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		126	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		26	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		24,993	30,085
Current		2,629,158	2,582,294
Total loans	[1]	2,654,151	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		3,474	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		1,712	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		19,807	21,002
New York and Other States [Member] | Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		192,961	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		2,899	3,297
Current		167,286	171,491
Total loans	[1]	170,185	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		109	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		0	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		2,790	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		0	0
Current		22,776	29,200
Total loans	[1]	22,776	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		0	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		19,723	23,996
Current		2,073,710	2,017,144
Total loans	[1]	2,093,433	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		2,878	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		1,467	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		15,378	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		252	537
Current		51,600	51,176
Total loans	[1]	51,852	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		103	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		0	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		149	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		1,949	2,108
Current		306,290	306,656
Total loans	[1]	308,239	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		271	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		225	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		1,453	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		170	147
Current		7,496	6,627
Total loans	[1]	7,666	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		113	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		20	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		1,833	2,615
Current		626,021	543,338
Total loans		627,854	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		448	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		100	283
Florida [Member] | 90+ Days Past Due [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		1,285	1,341
Florida [Member] | Commercial [Member]
Aging of the recorded investment in past due loans [Abstract]
Total loans		15,833	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		0	0
Current		15,734	19,336
Total loans		15,734	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		0	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		99	58
Total loans		99	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		1,573	2,309
Current		553,215	474,118
Total loans		554,788	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		376	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		0	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		1,197	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		7,871	5,942
Total loans		7,871	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		241	289
Current		47,857	43,081
Total loans		48,098	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		59	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		94	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		88	116
Florida [Member] | Installment [Member]
Aging of the recorded investment in past due loans [Abstract]
Total 30+ days Past Due		19	17
Current		1,245	803
Total loans		1,264	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		13	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		6	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		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	$ 45,571	$ 46,935	$ 46,327	$ 47,714
Loans charged off [Abstract]
Total loan charge offs	1,392	1,656	4,026	5,794
Recoveries of loans previously charged off [Abstract]
Total recoveries	170	133	448	492
Net loans charged off	1,222	1,523	3,578	5,302
Provision for loan losses	800	1,100	2,400	4,100
Balance at end of period	45,149	46,512	45,149	46,512
Commercial [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	4,022	4,073	4,071	4,019
Loans charged off [Abstract]
Total loan charge offs	3	124	103	1,010
Recoveries of loans previously charged off [Abstract]
Total recoveries	3	1	21	22
Net loans charged off	0	123	82	988
Provision for loan losses	34	95	67	1,014
Balance at end of period	4,056	4,045	4,056	4,045
Real Estate Mortgage - 1 to 4 Family [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	41,087	42,752	42,088	43,597
Loans charged off [Abstract]
Total loan charge offs	1,335	1,465	3,793	4,624
Recoveries of loans previously charged off [Abstract]
Total recoveries	143	118	388	443
Net loans charged off	1,192	1,347	3,405	4,181
Provision for loan losses	752	935	1,964	2,924
Balance at end of period	40,647	42,340	40,647	42,340
Installment [Member]
Allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	462	110	168	98
Loans charged off [Abstract]
Total loan charge offs	54	67	130	160
Recoveries of loans previously charged off [Abstract]
Total recoveries	24	14	39	27
Net loans charged off	30	53	91	133
Provision for loan losses	14	70	369	162
Balance at end of period	446	127	446	127
New York and Other States [Member]
Loans charged off [Abstract]
Total loan charge offs	1,353	1,378	3,709	4,349
Recoveries of loans previously charged off [Abstract]
Total recoveries	165	92	439	393
New York and Other States [Member] | Commercial [Member]
Loans charged off [Abstract]
Total loan charge offs	3	124	103	397
Recoveries of loans previously charged off [Abstract]
Total recoveries	0	0	16	18
New York and Other States [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Loans charged off [Abstract]
Total loan charge offs	1,300	1,187	3,480	3,804
Recoveries of loans previously charged off [Abstract]
Total recoveries	141	82	384	352
New York and Other States [Member] | Installment [Member]
Loans charged off [Abstract]
Total loan charge offs	50	67	126	148
Recoveries of loans previously charged off [Abstract]
Total recoveries	24	10	39	23
Florida [Member]
Loans charged off [Abstract]
Total loan charge offs	39	278	317	1,445
Recoveries of loans previously charged off [Abstract]
Total recoveries	5	41	9	99
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	3	1	5	4
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member]
Loans charged off [Abstract]
Total loan charge offs	35	278	313	820
Recoveries of loans previously charged off [Abstract]
Total recoveries	2	36	4	91
Florida [Member] | Installment [Member]
Loans charged off [Abstract]
Total loan charge offs	4	0	4	12
Recoveries of loans previously charged off [Abstract]
Total recoveries	$ 0	$ 4	$ 0	$ 4

Loans and Allowance for Loan 36

Loans and Allowance for Loan Losses, Based on Impairment Review Method (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	$ 0		$ 0
Collectively evaluated for impairment	45,149		46,327
Total ending allowance balance	45,149	$ 45,571	46,327	$ 46,512	$ 46,935	$ 47,714
Loans [Abstract]
Individually evaluated for impairment	27,120		26,535
Collectively evaluated for impairment	3,254,885		3,131,797
Total loans	3,282,005		3,158,332
Commercial [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	4,056		4,071
Total ending allowance balance	4,056	4,022	4,071	4,045	4,073	4,019
Loans [Abstract]
Individually evaluated for impairment	3,984		4,129
Collectively evaluated for impairment	204,810		219,253
Total loans	208,794		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	40,647		42,088
Total ending allowance balance	40,647	41,087	42,088	42,340	42,752	43,597
Loans [Abstract]
Individually evaluated for impairment	23,136		22,406
Collectively evaluated for impairment	3,041,145		2,904,950
Total loans	3,064,281		2,927,356
Installment [Member]
Ending allowance balance attributable to loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	446		168
Total ending allowance balance	446	$ 462	168	$ 127	$ 110	$ 98
Loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	8,930		7,594
Total loans	$ 8,930		$ 7,594

Loans and Allowance for Loan 37

Loans and Allowance for Loan Losses, Impaired Receivables (Details) - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Impaired loans by loans class [Abstract]
Recorded Investment	$ 27,120	$ 26,535
Unpaid Principal Balance	28,634	29,585
Related Allowance	0	0
Average Recorded Investment	28,780	27,737
Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	3,984	4,129
Unpaid Principal Balance	4,162	5,499
Related Allowance	0	0
Average Recorded Investment	3,612	5,375
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	61
Real Estate Mortgage - 1 to 4 Family [Member] | First Mortgages [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	19,902	18,868
Unpaid Principal Balance	20,933	20,069
Related Allowance	0	0
Average Recorded Investment	21,105	18,683
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	471	422
Unpaid Principal Balance	498	466
Related Allowance	0	0
Average Recorded Investment	492	459
Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Lines of Credit [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,763	3,116
Unpaid Principal Balance	3,041	3,551
Related Allowance	0	0
Average Recorded Investment	3,571	3,159
New York and Other States [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	24,652	24,566
Unpaid Principal Balance	25,990	27,376
Related Allowance	0	0
Average Recorded Investment	26,654	25,152
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	3,984	4,129
Unpaid Principal Balance	4,162	5,499
Related Allowance	0	0
Average Recorded Investment	3,612	4,798
New York and Other States [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	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	18,130	17,579
Unpaid Principal Balance	19,069	18,689
Related Allowance	0	0
Average Recorded Investment	19,708	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	418	366
Unpaid Principal Balance	445	410
Related Allowance	0	0
Average Recorded Investment	438	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	2,120	2,492
Unpaid Principal Balance	2,314	2,778
Related Allowance	0	0
Average Recorded Investment	2,896	2,578
Florida [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	2,468	1,969
Unpaid Principal Balance	2,644	2,209
Related Allowance	0	0
Average Recorded Investment	2,126	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	1,772	1,289
Unpaid Principal Balance	1,864	1,380
Related Allowance	0	0
Average Recorded Investment	1,397	1,422
Florida [Member] | Real Estate Mortgage - 1 to 4 Family [Member] | Home Equity Loans [Member]
Impaired loans by loans class [Abstract]
Recorded Investment	53	56
Unpaid Principal Balance	53	56
Related Allowance	0	0
Average Recorded Investment	54	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	643	624
Unpaid Principal Balance	727	773
Related Allowance	0	0
Average Recorded Investment	$ 675	$ 581

Loans and Allowance for Loan 38

Loans and Allowance for Loan Losses, Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015USD ($)Contract	Sep. 30, 2014USD ($)Contract	Sep. 30, 2015USD ($)Contract	Sep. 30, 2014USD ($)Contract	Dec. 31, 2014USD ($)
Real Estate Mortgage - 1 to 4 Family [Member]
Financing Receivable, Modifications [Line Items]
TDR's classifications from previously performing loans	$ 11,200		$ 11,200		$ 9,900
New York and Other States [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	11	15	34	39
Pre-Modification Outstanding Recorded Investment	$ 1,170	$ 1,842	$ 4,340	$ 5,451
Post-Modification Outstanding Recorded Investment	$ 1,170	$ 1,842	$ 4,340	$ 5,451
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	1	2	1	6
Recorded Investment	$ 121	$ 203	$ 121	$ 509
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
Pre-Modification Outstanding Recorded Investment			$ 0	$ 300
Post-Modification Outstanding Recorded Investment			$ 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	8	13	28	31
Pre-Modification Outstanding Recorded Investment	$ 1,055	$ 1,830	$ 4,042	$ 4,523
Post-Modification Outstanding Recorded Investment	$ 1,055	$ 1,830	$ 4,042	$ 4,523
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	1	2	1	6
Recorded Investment	$ 121	$ 203	$ 121	$ 509
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	0	2	1	4
Pre-Modification Outstanding Recorded Investment	$ 0	$ 12	$ 139	$ 63
Post-Modification Outstanding Recorded Investment	$ 0	$ 12	$ 139	$ 63
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	3	0	5	3
Pre-Modification Outstanding Recorded Investment	$ 115	$ 0	$ 159	$ 565
Post-Modification Outstanding Recorded Investment	$ 115	$ 0	$ 159	$ 565
Florida [Member]
Modified loans by class determined to be TDR's [Abstract]
Number of Contracts | Contract	6	2	9	8
Pre-Modification Outstanding Recorded Investment	$ 581	$ 74	$ 788	$ 791
Post-Modification Outstanding Recorded Investment	$ 581	$ 74	$ 788	$ 791
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0	1	1	2
Recorded Investment	$ 0	$ 60	$ 50	$ 339
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	4	1	5	5
Pre-Modification Outstanding Recorded Investment	$ 524	$ 60	$ 681	$ 423
Post-Modification Outstanding Recorded Investment	$ 524	$ 60	$ 681	$ 423
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract	0	1	0	1
Recorded Investment	$ 0	$ 60	$ 0	$ 60
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	2	1	4	3
Pre-Modification Outstanding Recorded Investment	$ 57	$ 14	$ 107	$ 368
Post-Modification Outstanding Recorded Investment	$ 57	$ 14	$ 107	$ 368
Loans modified for which there was payment default [Abstract]
Number of Contracts | Contract			1	1
Recorded Investment			$ 50	$ 279

Loans and Allowance for Loan 39

Loans and Allowance for Loan Losses, Modified Loans Payment Status (Details)	9 Months Ended
	Sep. 30, 2015
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

Loans and Allowance for Loan 40

Loans and Allowance for Loan Losses, Risk Category of Loans (Details) - USD ($) $ in Thousands		Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		$ 3,282,005	$ 3,158,332
Impaired loans included in classified loans		3,700	4,100
Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		208,794	223,382
Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		193,705	210,660
Commercial [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		15,089	12,722
Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		185,919	194,124
Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		171,570	181,925
Commercial [Member] | Commercial Real Estate [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		14,349	12,199
Commercial [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		22,875	29,258
Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		22,135	28,735
Commercial [Member] | Other [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		740	523
New York and Other States [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	2,654,151	2,612,379
New York and Other States [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		192,961	203,988
New York and Other States [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		177,872	191,266
New York and Other States [Member] | Commercial [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		15,089	12,722
New York and Other States [Member] | Commercial [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	170,185	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		155,836	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		14,349	12,199
New York and Other States [Member] | Commercial [Member] | Other [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net	[1]	22,776	29,200
New York and Other States [Member] | Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		22,036	28,677
New York and Other States [Member] | Commercial [Member] | Other [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		740	523
Florida [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		627,854	545,953
Florida [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		15,833	19,394
Florida [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		15,833	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		15,734	19,336
Florida [Member] | Commercial [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		15,734	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		99	58
Florida [Member] | Commercial [Member] | Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Total loans, net		99	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	Sep. 30, 2015	Dec. 31, 2014
Securities available-for sale [Abstract]
Total securities available for sale	$ 624,547	$ 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	624,512	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	103,492	77,800
State and political subdivisions	1,963	2,271
Mortgage-backed securities and collateralized mortgage obligations - residential	413,878	483,560
Corporate bonds		1,500
Small Business Administration-guaranteed participation securities	94,038	100,496
Mortgage-backed securities and collateralized mortgage obligations - commercial	10,491	10,447
Other	685	685
Total securities available for sale	624,547	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	103,492	77,800
State and political subdivisions	1,963	2,271
Mortgage-backed securities and collateralized mortgage obligations - residential	413,878	483,560
Corporate bonds		1,500
Small Business Administration-guaranteed participation securities	94,038	100,496
Mortgage-backed securities and collateralized mortgage obligations - commercial	10,491	10,447
Other	650	650
Total securities available for sale	624,512	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	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Sep. 30, 2015	Dec. 31, 2014
Other Real Estate Owned (ORE) [Abstract]
Other real estate owned, commercial real estate	$ 2,300	$ 2,300	$ 2,200
Other real estate owned, residential real estate properties	3,600	3,600	4,200
Valuation charge on other real estate owned	431	781	2,000
Impaired loans [Abstract]
Impaired loans	27,120	27,120	26,535
Collateral dependent impaired loans	743	743	3,600
Gross charge offs, commercial impaired loans	0	80	17
Gross charge offs, residential impaired loans	88	131	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	5,893	5,893	6,441
Impaired loans [Abstract]
Commercial real estate	36	36	206
Real estate mortgage 1 to 4 family: First mortgages	630	630	2,627
Real estate mortgage 1 to 4 family: Home equity lines of credit	77	77	810
Nonrecurring [Member] | Carrying Value [Member]
Other Real Estate Owned (ORE) [Abstract]
Other real estate owned	5,893	5,893	6,441
Impaired loans [Abstract]
Commercial real estate	36	36	206
Real estate mortgage 1 to 4 family: First mortgages	630	630	2,627
Real estate mortgage 1 to 4 family: Home equity lines of credit	$ 77	$ 77	$ 810

Fair Value of Financial Instr43

Fair Value of Financial Instruments, Part 3 (Details) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013
Financial assets [Abstract]
Cash and cash equivalents	$ 698,072	$ 671,448	$ 630,655	$ 583,044
Securities available for sale	624,547	676,759
Held-to-maturity securities, carrying value	59,998	70,946
Held to maturity securities	63,896	75,342
Net loans, carrying value	3,236,856	3,112,005
Net loans	3,276,461	3,171,005
Accrued interest receivable	10,347	10,800
Financial liabilities [Abstract]
Demand deposits	354,162	331,425
Interest bearing deposits	3,742,711	3,700,828
Short-term borrowings	184,405	189,116
Accrued interest payable	508	548
Level 1 [Member]
Financial assets [Abstract]
Cash and cash equivalents	698,072	671,448
Securities available for sale	35	35
Held to maturity securities	0	0
Net loans	0	0
Accrued interest receivable	62	30
Financial liabilities [Abstract]
Demand deposits	354,162	331,425
Interest bearing deposits	2,573,723	2,537,583
Short-term borrowings	0	0
Accrued interest payable	73	100
Level 2 [Member]
Financial assets [Abstract]
Cash and cash equivalents	0	0
Securities available for sale	624,512	676,724
Held to maturity securities	63,896	75,342
Net loans	0	0
Accrued interest receivable	2,250	2,694
Financial liabilities [Abstract]
Demand deposits	0	0
Interest bearing deposits	1,168,988	1,163,245
Short-term borrowings	184,405	189,116
Accrued interest payable	435	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	3,276,461	3,171,005
Accrued interest receivable	8,035	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	698,072	671,448
Securities available for sale	624,547	676,759
Held-to-maturity securities, carrying value	59,998	70,946
Federal Reserve Bank and Federal Home Loan Bank stock	9,480	9,228
Net loans, carrying value	3,236,856	3,112,005
Accrued interest receivable	10,347	10,800
Financial liabilities [Abstract]
Demand deposits	354,162	331,425
Interest bearing deposits, carrying value	3,742,631	3,700,816
Short-term borrowings	184,405	189,116
Accrued interest payable	$ 508	$ 548

Accumulated Other Comprehensi44

Accumulated Other Comprehensive (Loss) Income (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Accumulated Other Comprehensive Income (Loss) [Line Items]
Accumulated other comprehensive income (loss), net of tax, beginning of period	$ (5,927)	$ (2,611)	$ (4,509)	$ (13,803)
Other comprehensive income (loss)- before reclassifications	4,713	(770)	3,411	10,569
Amount reclassified from accumulated other comprehensive income (loss)	40	(127)	(76)	(274)
Other comprehensive income (loss), net of tax	4,753	(897)	3,335	10,295
Accumulated other comprehensive income (loss), net of tax, end of period	(1,174)	(3,508)	(1,174)	(3,508)
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	(5,144)	(6,743)	(3,693)	(18,078)
Other comprehensive income (loss)- before reclassifications	4,713	(770)	3,411	10,569
Amount reclassified from accumulated other comprehensive income (loss)	0	(225)	(149)	(229)
Other comprehensive income (loss), net of tax	4,713	(995)	3,262	10,340
Accumulated other comprehensive income (loss), net of tax, end of period	(431)	(7,738)	(431)	(7,738)
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	(783)	4,132	(816)	4,275
Other comprehensive income (loss)- before reclassifications	0	0	0	0
Amount reclassified from accumulated other comprehensive income (loss)	40	98	73	(45)
Other comprehensive income (loss), net of tax	40	98	73	(45)
Accumulated other comprehensive income (loss), net of tax, end of period	$ (743)	$ 4,230	$ (743)	$ 4,230

Accumulated Other Comprehensi45

Accumulated Other Comprehensive (Loss) Income, Reclassifications out of accumulated other comprehensive income (loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Net gain on securities transactions	$ 0	$ 376	$ 249	$ 382
Salaries and employee benefits	7,834	8,272	24,479	23,876
Income taxes	5,535	6,532	18,418	20,875
Net income	10,616	10,714	32,058	33,533
Reclassification Out of Accumulated Other Comprehensive Income (Loss) [Member]
Reclassification Adjustment Out of Accumulated Other Comprehensive Income [Line Items]
Net income	(40)	127	76	274
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	376	249	382
Income taxes	0	(151)	(100)	(153)
Net income	0	225	149	229
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	26	64	48	(29)
Net income	(40)	(98)	(73)	45
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	(43)	77	(53)	223
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	$ (23)	$ (239)	$ (68)	$ (149)