Independent Bank (IBCP) 10-Q 4 May 16 2016 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2016	May. 03, 2016
Document and Entity Information [Abstract]
Entity Registrant Name	INDEPENDENT BANK CORP /MI/
Entity Central Index Key	39,311
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		21,262,815
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2016

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition (unaudited) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 41,790	$ 54,260
Interest bearing deposits	102,919	31,523
Cash and Cash Equivalents	144,709	85,783
Interest bearing deposits - time	10,178	11,866
Trading securities	136	148
Securities available for sale	589,500	585,484
Federal Home Loan Bank and Federal Reserve Bank stock, at cost	15,600	15,471
Loans held for sale, carried at fair value	28,016	27,866
Loans
Commercial	770,886	748,398
Mortgage	504,004	500,454
Installment	231,787	231,599
Payment plan receivables	32,305	34,599
Total Loans	1,538,982	1,515,050
Allowance for loan losses	(22,495)	(22,570)
Net Loans	1,516,487	1,492,480
Other real estate and repossessed assets	6,672	7,150
Property and equipment, net	42,089	43,103
Bank-owned life insurance	54,691	54,402
Deferred tax assets, net	37,167	39,635
Capitalized mortgage loan servicing rights	10,983	12,436
Vehicle service contract counterparty receivables, net	3,173	7,229
Other intangibles	2,193	2,280
Accrued income and other assets	25,526	23,733
Total Assets	2,487,120	2,409,066
Deposits
Non-interest bearing	671,621	659,793
Savings and interest-bearing checking	1,018,740	988,174
Reciprocal	50,298	50,207
Time	414,047	387,789
Total Deposits	2,154,706	2,085,963
Other borrowings	11,953	11,954
Subordinated debentures	35,569	35,569
Vehicle service contract counterparty payables	1,247	797
Accrued expenses and other liabilities	44,100	23,691
Total Liabilities	2,247,575	2,157,974
Shareholders' Equity
Preferred stock, no par value, 200,000 shares authorized; none issued or outstanding	0	0
Common stock, no par value, 500,000,000 shares authorized; issued and outstanding: 21,261,830 shares at March 31, 2016 and 22,251,373 shares at December 31, 2015	324,328	339,462
Accumulated deficit	(79,984)	(82,334)
Accumulated other comprehensive loss	(4,799)	(6,036)
Total Shareholders' Equity	239,545	251,092
Total Liabilities and Shareholders' Equity	$ 2,487,120	$ 2,409,066

Condensed Consolidated Stateme3

Condensed Consolidated Statements of Financial Condition (unaudited) (Parenthetical) - $ / shares	Mar. 31, 2016	Dec. 31, 2015
Shareholders' Equity
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	200,000	200,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	500,000,000	500,000,000
Common stock, shares issued (in shares)	21,261,830	22,251,373
Common stock, shares outstanding (in shares)	21,261,830	22,251,373

Condensed Consolidated Stateme4

Condensed Consolidated Statements of Operations (unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015
Interest Income
Interest and fees on loans		$ 18,556	$ 17,239
Interest on securities
Taxable		2,244	1,758
Tax-exempt		248	217
Other investments		306	338
Total Interest Income		21,354	19,552
Interest Expense
Deposits		1,114	1,007
Other borrowings		477	454
Total Interest Expense		1,591	1,461
Net Interest Income		19,763	18,091
Provision for loan losses		(530)	(659)
Net Interest Income After Provision for Loan Losses		20,293	18,750
Non-interest Income
Service charges on deposit accounts		2,845	2,850
Interchange income		1,878	2,142
Net gains on assets
Mortgage loans		1,642	2,139
Securities		162	85
Mortgage loan servicing, net		(978)	(420)
Title insurance fees		288	256
Other		1,972	1,910
Total Non-interest Income		7,809	8,962
Non-Interest Expense
Compensation and employee benefits		11,881	11,785
Occupancy, net		2,207	2,419
Data processing		2,101	1,930
Furniture, fixtures and equipment		984	952
Communications		888	736
Loan and collection		825	1,155
Advertising		477	484
Legal and professional		413	380
FDIC deposit insurance		334	343
Interchange expense		266	291
Credit card and bank service fees		187	202
Vehicle service contract counterparty contingencies		30	29
Costs related to unfunded lending commitments		13	16
Net gains on other real estate and repossessed assets		(6)	(39)
Provision for loss reimbursement on sold loans		(15)	(69)
Other		1,460	1,537
Total Non-interest Expense		22,045	22,151
Income Before Income Tax		6,057	5,561
Income tax expense		1,957	1,780
Net Income		$ 4,100	$ 3,781
Net Income Per Common Share
Basic (in dollars per share)	[1]	$ 0.19	$ 0.16
Diluted (in dollars per share)		0.19	0.16
Dividends Per Common Share
Declared (in dollars per share)		0.08	0.06
Paid (in dollars per share)		$ 0.08	$ 0.06
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Condensed Consolidated Stateme5

Condensed Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Condensed Consolidated Statements of Comprehensive Income (unaudited) [Abstract]
Net income	$ 4,100	$ 3,781
Securities available for sale
Unrealized gains arising during period	2,114	2,270
Change in unrealized gains for which a portion of other than temporary impairment has been recognized in earnings	(36)	11
Reclassification adjustments for gains included in earnings	(174)	(75)
Unrealized gains recognized in other comprehensive income on securities available for sale	1,904	2,206
Income tax expense	667	772
Unrealized gains recognized in other comprehensive income on available for sale securities, net of tax	1,237	1,434
Other comprehensive income	1,237	1,434
Comprehensive income	$ 5,337	$ 5,215

Condensed Consolidated Stateme6

Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Condensed Consolidated Statements of Cash Flows (unaudited) [Abstract]
Net income	$ 4,100	$ 3,781
Adjustments to Reconcile Net Income to Net Cash From (Used in) Operating Activities
Proceeds from sales of loans held for sale	57,181	70,657
Disbursements for loans held for sale	(55,689)	(75,788)
Provision for loan losses	(530)	(659)
Deferred federal income tax expense	2,468	2,442
Deferred loan fees	(216)	(193)
Depreciation, amortization of intangible assets and premiums and accretion of discounts on securities, loans and interest bearning deposits - time	1,306	1,179
Net gains on mortgage loans	(1,642)	(2,139)
Net gains on securities	(162)	(85)
Net gains on other real estate and repossessed assets	(6)	(39)
Vehicle service contract counterparty contingencies	30	29
Share based compensation	410	373
(Increase) decrease in accrued income and other assets	(1,160)	517
Decrease in accrued expenses and other liabilities	(1,057)	(2,385)
Total Adjustments	933	(6,091)
Net Cash From (Used in) Operating Activities	5,033	(2,310)
Cash Flow From (Used in) Investing Activities
Proceeds from the sale of securities available for sale	42,391	11,786
Proceeds from the maturity of securities available for sale	13,385	6,785
Principal payments received on securities available for sale	37,246	25,103
Purchases of securities available for sale	(74,259)	(77,534)
Purchases of interest bearing deposits - time	0	(246)
Proceeds from the maturity of interest bearing deposits - time	1,678	2,211
Purchase of Federal Reserve Bank stock	(129)	(132)
Net increase in portfolio loans (loans originated, net of principal payments)	(23,280)	(13,170)
Proceeds from the collection of vehicle service contract counterparty receivables	4,217	0
Proceeds from the sale of other real estate and repossessed assets	1,357	1,848
Capital expenditures	(611)	(975)
Net Cash From (Used in) Investing Activities	1,995	(44,324)
Cash Flow From Financing Activities
Net increase in total deposits	68,743	76,171
Net decrease in other borrowings	(1)	(2)
Net increase in vehicle service contract counterparty payables	450	335
Dividends paid	(1,750)	(1,382)
Proceeds from issuance of common stock	32	16
Repurchase of common stock	(15,510)	(902)
Share based compensation withholding obligation	(66)	(66)
Net Cash From Financing Activities	51,898	74,170
Net Increase in Cash and Cash Equivalents	58,926	27,536
Cash and Cash Equivalents at Beginning of Period	85,783	74,016
Cash and Cash Equivalents at End of Period	144,709	101,552
Cash paid during the period for
Interest	1,495	1,477
Income taxes	120	55
Transfers to other real estate and repossessed assets	873	1,017
Transfer of payment plan receivables to vehicle service contract counterparty receivables	191	21
Purchase of securities available for sale not yet settled	$ 21,329	$ 3,154

Condensed Consolidated Stateme7

Condensed Consolidated Statements of Shareholders' Equity (unaudited) $ in Thousands	USD ($)
Balance at beginning of period at Dec. 31, 2014	$ 250,371
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	3,781
Cash dividends declared	(1,382)
Issuance of common stock	16
Share based compensation	373
Share based compensation withholding obligation	(66)
Repurchase of common stock	(902)
Net change in accumulated other comprehensive loss, net of related tax effect	1,434
Balance at end of period at Mar. 31, 2015	253,625
Balance at beginning of period at Dec. 31, 2015	251,092
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	4,100
Cash dividends declared	(1,750)
Issuance of common stock	32
Share based compensation	410
Share based compensation withholding obligation	(66)
Repurchase of common stock	(15,510)
Net change in accumulated other comprehensive loss, net of related tax effect	1,237
Balance at end of period at Mar. 31, 2016	$ 239,545

Preparation of Financial Statem

Preparation of Financial Statements	3 Months Ended
	Mar. 31, 2016
Preparation of Financial Statements [Abstract]
Preparation of Financial Statements	1. Preparation of Financial Statements The condensed consolidated financial statements have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission. Certain information and note disclosures normally included in annual financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”) have been condensed or omitted pursuant to those rules and regulations, although we believe that the disclosures made are adequate to make the information not misleading. The unaudited condensed consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes for the year ended December 31, 2015 included in our Annual Report on Form 10-K. In our opinion, the accompanying unaudited condensed consolidated financial statements contain all the adjustments necessary to present fairly our consolidated financial condition as of March 31, 2016 and December 31, 2015, and the results of operations for the three month periods ended March 31, 2016 and 2015. The results of operations for the three month periods ended March 31, 2016, are not necessarily indicative of the results to be expected for the full year. Certain reclassifications have been made in the prior period financial statements to conform to the current period presentation. Our critical accounting policies include the determination of the allowance for loan losses, the determination of vehicle service contract counterparty contingencies, the valuation of originated mortgage loan servicing rights and the valuation of deferred tax assets. Refer to our 2015 Annual Report on Form 10-K for a disclosure of our accounting policies.

New Accounting Standards

New Accounting Standards	3 Months Ended
	Mar. 31, 2016
New Accounting Standards [Abstract]
New Accounting Standards	2. New Accounting Standards In June 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-12, “Compensation – Stock Compensation (Topic 718) – Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved After the Requisite Service Period”. This ASU amends existing guidance related to the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. These amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The total amount of compensation cost recognized during and after the requisite service period should reflect the number of awards that are expected to vest and should be adjusted to reflect those awards that ultimately vest. The requisite service period ends when the employee can cease rendering service and still be eligible to vest in the award if the performance target is achieved. This amended guidance became effective for us on January 1, 2016, and did not have a material impact on our consolidated operating results or financial condition. In May 2014, the FASB issued ASU 2014-09, “Revenue from Contracts with Customers (Topic 606) ”. In January 2016, the FASB issued ASU 2016-01, “Financial Instruments – Overall (Subtopic 825-10) – Recognition and Measurement of Financial Assets and Financial Liabilities”. This ASU amends existing guidance related to the accounting for certain financial assets and liabilities. These amendments, among other things, requires equity investments (except those accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income, requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes, requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset and eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. This amended guidance is effective for us on January 1, 2018, and is not expected to have a material impact on our consolidated operating results or financial condition. In February 2016, the FASB issued ASU 2016-02, “Leases (Topic 842)”. This ASU amends existing guidance related to the accounting for leases. These amendments, among other things, requires lessees to account for most leases on the balance sheet while recognizing expense on the income statement in a manner similar to existing guidance. For lessors the guidance modifies the classification criteria and the accounting for sales-type and direct finance leases. This amended guidance is effective for us on January 1, 2019, and is not expected to have a material impact on our consolidated operating results or financial condition. In March 2016, the FASB issued ASU 2016-09, “Compensation – Stock Compensation (718) Improvements to Employee Share-Based Payment Accounting”. This ASU amends existing guidance in an effort to simplify certain aspects of accounting for share-based payments. The areas for simplification in this ASU include income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows. This amended guidance is effective for us on January 1, 2017, with early adoption permitted, and is not expected to have a material impact on our consolidated operating results or financial condition.

Securities

Securities	3 Months Ended
	Mar. 31, 2016
Securities [Abstract]
Securities	3. Securities Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) March 31, 2016 U.S. agency $ 35,016 $ 431 $ 62 $ 35,385 U.S. agency residential mortgage-backed 196,017 1,635 273 197,379 U.S. agency commercial mortgage-backed 8,382 112 2 8,492 Private label mortgage-backed 18,569 154 348 18,375 Other asset backed 128,431 124 483 128,072 Obligations of states and political subdivisions 147,411 1,644 710 148,345 Corporate 49,565 162 217 49,510 Trust preferred 2,918 - 615 2,303 Foreign government 1,654 - 15 1,639 Total $ 587,963 $ 4,262 $ 2,725 $ 589,500 December 31, 2015 U.S. agency $ 47,283 $ 309 $ 80 $ 47,512 U.S. agency residential mortgage-backed 195,055 1,584 583 196,056 U.S. agency commercial mortgage-backed 34,017 94 83 34,028 Private label mortgage-backed 5,061 161 319 4,903 Other asset backed 117,431 54 581 116,904 Obligations of states and political subdivisions 145,193 941 1,150 144,984 Corporate 38,895 9 290 38,614 Trust preferred 2,916 - 433 2,483 Total $ 585,851 $ 3,152 $ 3,519 $ 585,484 Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) March 31, 2016 U.S. agency $ 7,168 $ 20 $ 6,360 $ 42 $ 13,528 $ 62 U.S. agency residential mortgage-backed 26,856 130 16,325 143 43,181 273 U.S. agency commercial mortgage-backed 1,236 1 202 1 1,438 2 Private label mortgage- backed 5,645 17 3,093 331 8,738 348 Other asset backed 82,903 280 9,804 203 92,707 483 Obligations of states and political subdivisions 22,296 282 9,737 428 32,033 710 Corporate 28,299 208 991 9 29,290 217 Trust preferred - - 2,303 615 2,303 615 Foreign government 1,639 15 - - 1,639 15 Total $ 176,042 $ 953 $ 48,815 $ 1,772 $ 224,857 $ 2,725 December 31, 2015 U.S. agency $ 12,164 $ 47 $ 6,746 $ 33 $ 18,910 $ 80 U.S. agency residential mortgage-backed 57,538 316 23,340 267 80,878 583 U.S. agency commercial mortgage-backed 16,747 60 2,247 23 18,994 83 Private label mortgage- backed - - 3,393 319 3,393 319 Other asset backed 102,660 434 5,189 147 107,849 581 Obligations of states and political subdivisions 52,493 597 12,240 553 64,733 1,150 Corporate 30,550 290 - - 30,550 290 Trust preferred - - 2,483 433 2,483 433 Total $ 272,152 $ 1,744 $ 55,638 $ 1,775 $ 327,790 $ 3,519 Our portfolio of securities available-for-sale is reviewed quarterly for impairment in value. In performing this review management considers (1) the length of time and extent that fair value has been less than cost, (2) the financial condition and near term prospects of the issuer, (3) the impact of changes in market interest rates on the market value of the security and (4) an assessment of whether we intend to sell, or it is more likely than not that we will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. For securities that do not meet the aforementioned recovery criteria, the amount of impairment recognized in earnings is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive income or (loss). U.S. agency, U.S. agency residential mortgage-backed securities and U.S. agency commercial mortgage backed securities — at March 31, 2016, we had 30 U.S. agency, 66 U.S. agency residential mortgage-backed and five U.S. agency commercial mortgage-backed securities whose fair market value is less than amortized cost. The unrealized losses are largely attributed to increases in interest rates since acquisition and widening spreads to Treasury bonds. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Private label mortgage backed securities — at March 31, 2016, we had 11 of this type of security whose fair value is less than amortized cost. The unrealized losses are primarily attributed to five securities purchased prior to 2016. Two of these five securities have an impairment in excess of 10% and four of these holdings have been impaired for more than 12 months. The unrealized losses are largely attributable to credit spread widening on these five securities since their acquisition. These five securities are receiving principal and interest payments. Most of these transactions are pass-through structures, receiving pro rata principal and interest payments from a dedicated collateral pool. The nonreceipt of interest cash flows is not expected and thus not presently considered in our discounted cash flow methodology discussed below. These five private label mortgage-backed securities are reviewed for other than temporary impairment (“OTTI”) utilizing a cash flow projection. The cash flow analysis forecasts cash flow from the underlying loans in each transaction and then applies these cash flows to the bonds in the securitization. Our cash flow analysis forecasts complete recovery of our cost basis for four of the five securities whose fair value is less than amortized cost while the fifth security had credit related OTTI recognized in prior years and is discussed in further detail below. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no other declines discussed above are deemed to be other than temporary. Other asset backed — at March 31, 2016, we had 121 other asset backed securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening and increases in interest rates since acquisition. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Obligations of states and political subdivisions — at March 31, 2016, we had 44 municipal securities whose fair value is less than amortized cost. The unrealized losses are primarily due to increases in interest rates since acquisition. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Corporate — at March 31, 2016, we had 23 corporate securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening and increases in interest rates since acquisition. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Trust preferred securities — at March 31, 2016, we had three trust preferred securities whose fair value is less than amortized cost. All of our trust preferred securities are single issue securities issued by a trust subsidiary of a bank holding company. The pricing of trust preferred securities has suffered from credit spread widening. One of the three securities is rated by two major rating agencies as investment grade, while one (a Bank of America issuance) is rated below investment grade by two major rating agencies and the other one is non-rated. The non-rated issue is a relatively small bank and was never rated. The issuer of this non-rated trust preferred security, which had a total amortized cost of $1.0 million and total fair value of $0.8 million as of March 31, 2016, continues to have satisfactory credit metrics and make interest payments. The following table breaks out our trust preferred securities in further detail as of March 31, 2016 and December 31, 2015: March 31, 2016 December 31, 2015 Fair Value Net Unrealized Loss Fair Value Net Unrealized Loss (In thousands) Trust preferred securities Rated issues $ 1,550 $ (368 ) $ 1,690 $ (226 ) Unrated issues 753 (247 ) 793 (207 ) As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Foreign government — at March 31, 2016, we had one foreign government security whose fair value is less than amortized cost. The unrealized loss is primarily due to an increase in interest rates since acquisition. As management does not intend to liquidate this security and it is more likely than not that we will not be required to sell this security prior to recovery of this unrealized loss, the decline is not deemed to be other than temporary. We recorded no credit related OTTI charges in our Condensed Consolidated Statements of Operations related to securities available for sale during the three month periods ended March 31, 2016 and 2015. At March 31, 2016, three private label mortgage-backed securities had credit related OTTI and are summarized as follows: Senior Security Super Senior Security Senior Support Security Total (In thousands) As of March 31, 2016 Fair value $ 1,546 $ 1,250 $ 75 $ 2,871 Amortized cost 1,575 1,188 - 2,763 Non-credit unrealized loss 29 - - 29 Unrealized gain - 62 75 137 Cumulative credit related OTTI 757 457 380 1,594 Credit related OTTI recognized in our Condensed Consolidated Statements of Operations For the three months ended March 31, 2016 $ - $ - $ - $ - 2015 - - - - Each of these securities is receiving principal and interest payments similar to principal reductions in the underlying collateral. Two of these securities have unrealized gains and one has an unrealized loss at March 31, 2016. The original amortized cost for each of these securities has been permanently adjusted downward for previously recorded credit related OTTI. The unrealized loss (based on original amortized cost) for two of these securities is now less than previously recorded credit related OTTI amounts. The remaining non-credit related unrealized loss in the senior security is attributed to other factors and is reflected in other comprehensive income during those same periods. A roll forward of credit losses recognized in earnings on securities available for sale for the three month periods ending March 31, follows: Three months ended March 31, 2016 2015 (In thousands) Balance at beginning of period $ 1,844 $ 1,844 Additions to credit losses on securities for which no previous OTTI was recognized - - Increases to credit losses on securities for which OTTI was previously recognized - - Balance at end of period $ 1,844 $ 1,844 The amortized cost and fair value of securities available for sale at March 31, 2016, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 30,411 $ 30,453 Maturing after one year but within five years 74,249 74,472 Maturing after five years but within ten years 62,664 63,236 Maturing after ten years 69,240 69,021 236,564 237,182 U.S. agency residential mortgage-backed 196,017 197,379 U.S. agency commercial mortgage-backed 8,382 8,492 Private label residential mortgage-backed 18,569 18,375 Other asset backed 128,431 128,072 Total $ 587,963 $ 589,500 The actual maturity may differ from the contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Gains and losses realized on the sale of securities available for sale are determined using the specific identification method and are recognized on a trade-date basis. A summary of proceeds from the sale of securities available for sale and gains and losses for the three month periods ending March 31, follows: Proceeds Realized Gains Losses (In thousands) 2016 $ 42,391 $ 226 $ 52 2015 11,786 75 - During 2016 and 2015, our trading securities consisted of various preferred stocks. During the first three months of 2016 and 2015, we recognized gains (losses) on trading securities of $(0.012) million and $0.010 million, respectively, that are included in net gains on securities in the Condensed Consolidated Statements of Operations. Both of these amounts relate to gains (losses) recognized on trading securities still held at each respective period end.

Loans

Loans	3 Months Ended
	Mar. 31, 2016
Loans [Abstract]
Loans	4. Loans Our assessment of the allowance for loan losses is based on an evaluation of the loan portfolio, recent loss experience, current economic conditions and other pertinent factors. An analysis of the allowance for loan losses by portfolio segment for the three months ended March 31, follows: Commercial Mortgage Installment Payment Plan Receivables Subjective Allocation Total (In thousands) 2016 Balance at beginning of period $ 5,670 $ 10,391 $ 1,181 $ 56 $ 5,272 $ 22,570 Additions (deductions) Provision for loan losses (404 ) (279 ) 65 (3 ) 91 (530 ) Recoveries credited to allowance 356 382 221 - - 959 Loans charged against the allowance - (198 ) (306 ) - - (504 ) Balance at end of period $ 5,622 $ 10,296 $ 1,161 $ 53 $ 5,363 $ 22,495 2015 Balance at beginning of period $ 5,445 $ 13,444 $ 1,814 $ 64 $ 5,223 $ 25,990 Additions (deductions) Provision for loan losses 328 (733 ) (85 ) (2 ) (167 ) (659 ) Recoveries credited to allowance 433 238 319 - - 990 Loans charged against the allowance (290 ) (868 ) (484 ) - - (1,642 ) Balance at end of period $ 5,916 $ 12,081 $ 1,564 $ 62 $ 5,056 $ 24,679 Allowance for loan losses and recorded investment in loans by portfolio segment follows: Commercial Mortgage Installment Payment Plan Receivables Subjective Allocation Total (In thousands) March 31, 2016 Allowance for loan losses Individually evaluated for impairment $ 2,791 $ 7,651 $ 408 $ - $ - $ 10,850 Collectively evaluated for impairment 2,831 2,645 753 53 5,363 11,645 Total ending allowance balance $ 5,622 $ 10,296 $ 1,161 $ 53 $ 5,363 $ 22,495 Loans Individually evaluated for impairment $ 17,585 $ 64,899 $ 5,670 $ - $ 88,154 Collectively evaluated for impairment 754,908 441,354 226,789 32,305 1,455,356 Total loans recorded investment 772,493 506,253 232,459 32,305 1,543,510 Accrued interest included in recorded investment 1,607 2,249 672 - 4,528 Total loans $ 770,886 $ 504,004 $ 231,787 $ 32,305 $ 1,538,982 December 31, 2015 Allowance for loan losses Individually evaluated for impairment $ 2,708 $ 7,818 $ 457 $ - $ - $ 10,983 Collectively evaluated for impairment 2,962 2,573 724 56 5,272 11,587 Total ending allowance balance $ 5,670 $ 10,391 $ 1,181 $ 56 $ 5,272 $ 22,570 Loans Individually evaluated for impairment $ 16,868 $ 66,375 $ 5,888 $ - $ 89,131 Collectively evaluated for impairment 733,399 436,349 226,409 34,599 1,430,756 Total loans recorded investment 750,267 502,724 232,297 34,599 1,519,887 Accrued interest included in recorded investment 1,869 2,270 698 - 4,837 Total loans $ 748,398 $ 500,454 $ 231,599 $ 34,599 $ 1,515,050 Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow: 90+ and Still Accruing Non- Accrual Total Non- Performing Loans (In thousands) March 31, 2016 Commercial Income producing - real estate $ - $ 1,117 $ 1,117 Land, land development and construction - real estate - 168 168 Commercial and industrial 147 2,304 2,451 Mortgage 1-4 family - 4,795 4,795 Resort lending - 805 805 Home equity - 1st lien - 154 154 Home equity - 2nd lien - 268 268 Purchased loans 3 2 5 Installment Home equity - 1st lien - 79 79 Home equity - 2nd lien - 344 344 Loans not secured by real estate - 384 384 Other - 2 2 Payment plan receivables Full refund - 2 2 Partial refund - - - Other - 1 1 Total recorded investment $ 150 $ 10,425 $ 10,575 Accrued interest included in recorded investment $ 3 $ - $ 3 December 31, 2015 Commercial Income producing - real estate $ - $ 1,027 $ 1,027 Land, land development and construction - real estate 49 401 450 Commercial and industrial 69 2,028 2,097 Mortgage 1-4 family - 4,744 4,744 Resort lending - 1,094 1,094 Home equity - 1st lien - 187 187 Home equity - 2nd lien - 147 147 Purchased loans - 2 2 Installment Home equity - 1st lien - 106 106 Home equity - 2nd lien - 443 443 Loans not secured by real estate - 421 421 Other - 2 2 Payment plan receivables Full refund - 2 2 Partial refund - 2 2 Other - 1 1 Total recorded investment $ 118 $ 10,607 $ 10,725 Accrued interest included in recorded investment $ 2 $ - $ 2 An aging analysis of loans by class follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total Past Due Loans (In thousands) March 31, 2016 Commercial Income producing - real estate $ 337 $ - $ 776 $ 1,113 $ 310,604 $ 311,717 Land, land development and construction - real estate - - 168 168 40,795 40,963 Commercial and industrial 354 192 229 775 419,038 419,813 Mortgage 1-4 family 2,505 662 4,795 7,962 275,295 283,257 Resort lending 677 - 805 1,482 111,434 112,916 Home equity - 1st lien 66 - 154 220 26,024 26,244 Home equity - 2nd lien 235 287 268 790 51,620 52,410 Purchased loans 12 1 5 18 31,408 31,426 Installment Home equity - 1st lien 529 176 79 784 15,429 16,213 Home equity - 2nd lien 215 133 344 692 18,367 19,059 Loans not secured by real estate 386 108 384 878 194,202 195,080 Other 3 11 2 16 2,091 2,107 Payment plan receivables Full refund 408 65 2 475 17,609 18,084 Partial refund 303 61 - 364 6,197 6,561 Other 154 3 1 158 7,502 7,660 Total recorded investment $ 6,184 $ 1,699 $ 8,012 $ 15,895 $ 1,527,615 $ 1,543,510 Accrued interest included in recorded investment $ 56 $ 21 $ 3 $ 80 $ 4,448 $ 4,528 December 31, 2015 Commercial Income producing - real estate $ 203 $ 209 $ 647 $ 1,059 $ 305,155 $ 306,214 Land, land development and construction - real estate - - 252 252 44,231 44,483 Commercial and industrial 785 16 151 952 398,618 399,570 Mortgage 1-4 family 1,943 640 4,744 7,327 272,298 279,625 Resort lending 307 - 1,094 1,401 114,619 116,020 Home equity - 1st lien 50 - 187 237 22,327 22,564 Home equity - 2nd lien 439 54 147 640 50,618 51,258 Purchased loans 9 1 2 12 33,245 33,257 Installment Home equity - 1st lien 315 107 106 528 16,707 17,235 Home equity - 2nd lien 231 149 443 823 19,727 20,550 Loans not secured by real estate 567 83 421 1,071 191,262 192,333 Other 15 3 2 20 2,159 2,179 Payment plan receivables Full refund 492 62 2 556 21,294 21,850 Partial refund 415 228 2 645 5,834 6,479 Other 110 3 1 114 6,156 6,270 Total recorded investment $ 5,881 $ 1,555 $ 8,201 $ 15,637 $ 1,504,250 $ 1,519,887 Accrued interest included in recorded investment $ 53 $ 17 $ 2 $ 72 $ 4,765 $ 4,837 Impaired loans are as follows : March 31, 2016 December 31, 2015 Impaired loans with no allocated allowance (In thousands) TDR $ 2,368 $ 2,518 Non - TDR 168 203 Impaired loans with an allocated allowance TDR - allowance based on collateral 4,683 4,810 TDR - allowance based on present value cash flow 80,009 81,002 Non - TDR - allowance based on collateral 623 260 Non - TDR - allowance based on present value cash flow - - Total impaired loans $ 87,851 $ 88,793 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 2,531 $ 2,436 TDR - allowance based on present value cash flow 8,135 8,471 Non - TDR - allowance based on collateral 184 76 Non - TDR - allowance based on present value cash flow - - Total amount of allowance for loan losses allocated $ 10,850 $ 10,983 Impaired loans by class are as follows (1): March 31, 2016 December 31, 2015 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 785 $ 1,030 $ - $ 641 $ 851 $ - Land, land development & construction-real estate 537 1,112 - 818 1,393 - Commercial and industrial 1,218 1,216 - 1,245 1,241 - Mortgage 1-4 family - 140 - 23 183 - Resort lending - - - - - - Home equity - 1st lien - - - - - - Home equity - 2nd lien - - - - - - Installment Home equity - 1st lien 1 75 - - 76 - Home equity - 2nd lien 14 13 - - - - Loans not secured by real estate - - - - - - Other - - - - - - 2,555 3,586 - 2,727 3,744 - With an allowance recorded: Commercial Income producing - real estate 8,234 9,061 548 8,377 9,232 516 Land, land development & construction-real estate 1,484 1,484 95 1,690 1,778 296 Commercial and industrial 5,327 5,592 2,148 4,097 4,439 1,896 Mortgage 1-4 family 46,608 48,532 4,976 47,792 49,808 5,132 Resort lending 17,929 17,963 2,654 18,148 18,319 2,662 Home equity - 1st lien 243 247 12 168 172 9 Home equity - 2nd lien 119 201 9 244 325 15 Installment Home equity - 1st lien 2,287 2,421 130 2,364 2,492 143 Home equity - 2nd lien 2,793 2,807 239 2,929 2,951 271 Loans not secured by real estate 569 641 38 587 658 42 Other 6 6 1 8 8 1 85,599 88,955 10,850 86,404 90,182 10,983 Total Commercial Income producing - real estate 9,019 10,091 548 9,018 10,083 516 Land, land development & construction-real estate 2,021 2,596 95 2,508 3,171 296 Commercial and industrial 6,545 6,808 2,148 5,342 5,680 1,896 Mortgage 1-4 family 46,608 48,672 4,976 47,815 49,991 5,132 Resort lending 17,929 17,963 2,654 18,148 18,319 2,662 Home equity - 1st lien 243 247 12 168 172 9 Home equity - 2nd lien 119 201 9 244 325 15 Installment Home equity - 1st lien 2,288 2,496 130 2,364 2,568 143 Home equity - 2nd lien 2,807 2,820 239 2,929 2,951 271 Loans not secured by real estate 569 641 38 587 658 42 Other 6 6 1 8 8 1 Total $ 88,154 $ 92,541 $ 10,850 $ 89,131 $ 93,926 $ 10,983 Accrued interest included in recorded investment $ 303 $ 338 (1) There were no impaired payment plan receivables or purchased mortgage loans at March 31, 2016 or December 31, 2015. Average recorded investment in and interest income earned on impaired loans by class for the three month periods ending March 31, follows (1): 2016 2015 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 713 $ 2 $ 5,848 $ 53 Land, land development & construction-real estate 678 7 1,041 34 Commercial and industrial 1,232 21 2,768 37 Mortgage 1-4 family 12 1 13 - Resort lending - - 31 - Home equity line of credit - 1st lien - - - - Home equity line of credit - 2nd lien - - - - Installment Home equity installment - 1st lien 1 1 - - Home equity installment - 2nd lien 7 - - - Loans not secured by real estate - - - - Other - - - - 2,643 32 9,701 124 With an allowance recorded: Commercial Income producing - real estate 8,306 107 12,849 157 Land, land development & construction-real estate 1,587 13 2,709 14 Commercial and industrial 4,712 23 8,177 66 Mortgage 1-4 family 47,200 502 52,451 551 Resort lending 18,039 160 18,632 171 Home equity line of credit - 1st lien 206 2 162 2 Home equity line of credit - 2nd lien 182 1 123 2 Installment Home equity installment - 1st lien 2,326 42 2,691 50 Home equity installment - 2nd lien 2,861 44 3,174 51 Loans not secured by real estate 578 9 694 10 Other 7 - 12 - 86,004 903 101,674 1,074 Total Commercial Income producing - real estate 9,019 109 18,697 210 Land, land development & construction-real estate 2,265 20 3,750 48 Commercial and industrial 5,944 44 10,945 103 Mortgage 1-4 family 47,212 503 52,464 551 Resort lending 18,039 160 18,663 171 Home equity line of credit - 1st lien 206 2 162 2 Home equity line of credit - 2nd lien 182 1 123 2 Installment Home equity installment - 1st lien 2,327 43 2,691 50 Home equity installment - 2nd lien 2,868 44 3,174 51 Loans not secured by real estate 578 9 694 10 Other 7 - 12 - Total $ 88,647 $ 935 $ 111,375 $ 1,198 (1) There were no impaired payment plan receivables or purchased mortgage loans during the three month periods ended March 31, 2016 and 2015, respectively. Our average investment in impaired loans was approximately $88.6 million and $111.4 million for the three-month periods ended March 31, 2016 and 2015, respectively. Cash receipts on impaired loans on non-accrual status are generally applied to the principal balance. Interest income recognized on impaired loans during the three months ending March 31, 2016 and 2015, was approximately $0.9 million and $1.2 million, respectively. Troubled debt restructurings follow: March 31, 2016 Commercial Retail Total (In thousands) Performing TDRs $ 13,950 $ 66,619 $ 80,569 Non-performing TDRs(1) 2,798 3,693 (2) 6,491 Total $ 16,748 $ 70,312 $ 87,060 December 31, 2015 Commercial Retail Total (In thousands) Performing TDRs $ 13,318 $ 68,194 $ 81,512 Non-performing TDRs(1) 3,041 3,777 (2) 6,818 Total $ 16,359 $ 71,971 $ 88,330 (1) Included in non-performing loans table above. (2) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis. We allocated $10.7 million and $10.9 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of March 31, 2016 and December 31, 2015, respectively. During the three months ended March 31, 2016 and 2015, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans generally included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. Modifications involving a reduction of the stated interest rate of the loan have generally been for periods ranging from 9 months to 36 months but have extended to as much as 480 months in certain circumstances. Modifications involving an extension of the maturity date have generally been for periods ranging from 1 month to 60 months but have extended to as much as 230 months in certain circumstances. Loans that have been classified as troubled debt restructurings during the three-month periods ended March 31 follow: Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance (Dollars in thousands) 2016 Commercial Income producing - real estate 2 $ 110 $ 110 Land, land development & construction-real estate - - - Commercial and industrial 4 1,758 1,758 Mortgage 1-4 family 2 83 153 Resort lending 1 116 117 Home equity - 1st lien 1 107 78 Home equity - 2nd lien - - - Installment Home equity - 1st lien 1 30 31 Home equity - 2nd lien 2 55 56 Loans not secured by real estate - - - Other - - - Total 13 $ 2,259 $ 2,303 2015 Commercial Income producing - real estate 1 $ 156 $ 164 Land, land development & construction-real estate - - - Commercial and industrial 2 236 234 Mortgage 1-4 family 5 1,005 805 Resort lending - - - Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 4 167 140 Home equity - 2nd lien - - - Loans not secured by real estate - - - Other - - - Total 12 $ 1,564 $ 1,343 The troubled debt restructurings described above for 2016 increased the allowance for loan losses by $0.06 million and resulted in zero charge offs while the troubled debt restructurings described above for 2015 increased the allowance for loan losses by $0.03 million and resulted in zero charge offs. Loans that have been classified as troubled debt restructurings during the past twelve months and that have subsequently defaulted during the three-month periods ended March 31 follow: Number of Contracts Recorded Balance (Dollars in thousands) 2016 Commercial Income producing - real estate - $ - Land, land development & construction-real estate - - Commercial and industrial - - Mortgage 1-4 family - - Resort lending - - Home equity - 1st lien - - Home equity - 2nd lien - - Installment Home equity - 1st lien - - Home equity - 2nd lien - - Loans not secured by real estate - - Other - - - $ - 2015 Commercial Income producing - real estate - $ - Land, land development & construction-real estate - - Commercial and industrial 1 91 Mortgage 1-4 family - - Resort lending - - Home equity - 1st lien - - Home equity - 2nd lien - - Installment Home equity - 1st lien - - Home equity - 2nd lien - - Loans not secured by real estate - - Other - - 1 $ 91 A loan is considered to be in payment default generally once it is 90 days contractually past due under the modified terms. There were no troubled debt restructurings that subsequently defaulted in 2016 while the troubled debt restructurings that subsequently defaulted described above for 2015 had no impact on the balance of the allowance for loan losses and resulted in zero charge offs. The terms of certain other loans were modified during the three months ended March 31, 2016 and 2015 in a manner that did not meet the definition of a troubled debt restructuring. The modification of these loans could have included modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant. In order to determine whether a borrower is experiencing financial difficulty, we perform 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 our internal underwriting policy. Credit Quality Indicators For commercial loans, we use a loan rating system that is similar to those employed by state and federal banking regulators. Loans are graded on a scale of 1 to 12. A description of the general characteristics of the ratings follows: Rating 1 through 6 Rating 7 and 8 Rating 9 Rating 10 and 11 Rating 12 The following table summarizes loan ratings by loan class for our commercial loan segment: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) March 31, 2016 Income producing - real estate $ 303,195 $ 6,367 $ 1,038 $ 1,117 $ 311,717 Land, land development and construction - real estate 39,120 1,675 - 168 40,963 Commercial and industrial 391,207 20,687 5,615 2,304 419,813 Total $ 733,522 $ 28,729 $ 6,653 $ 3,589 $ 772,493 Accrued interest included in total $ 1,507 $ 82 $ 18 $ - $ 1,607 December 31, 2015 Income producing - real estate $ 296,898 $ 6,866 $ 1,423 $ 1,027 $ 306,214 Land, land development and construction - real estate 40,844 2,995 243 401 44,483 Commercial and industrial 371,357 19,502 6,683 2,028 399,570 Total $ 709,099 $ 29,363 $ 8,349 $ 3,456 $ 750,267 Accrued interest included in total $ 1,729 $ 108 $ 32 $ - $ 1,869 For each of our mortgage and installment segment classes we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan segments: Mortgage (1) 1-4 Family Resort Lending Home Equity 1st Lien Home Equity 2nd Lien Purchased Loans Total (In thousands) March 31, 2016 800 and above $ 29,357 $ 13,694 $ 4,206 $ 7,409 $ 2,298 $ 56,964 750-799 84,315 39,748 10,292 18,190 20,775 173,320 700-749 54,911 31,331 4,601 11,796 6,901 109,540 650-699 51,725 16,538 3,696 7,501 - 79,460 600-649 27,962 4,934 1,447 3,720 - 38,063 550-599 16,128 3,052 1,022 1,887 - 22,089 500-549 10,348 985 561 1,261 - 13,155 Under 500 4,570 548 223 252 - 5,593 Unknown 3,941 2,086 196 394 1,452 8,069 Total $ 283,257 $ 112,916 $ 26,244 $ 52,410 $ 31,426 $ 506,253 Accrued interest included in total $ 1,368 $ 489 $ 93 $ 195 $ 104 $ 2,249 December 31, 2015 800 and above $ 28,760 $ 13,943 $ 4,374 $ 7,696 $ 2,310 $ 57,083 750-799 78,802 40,888 7,137 17,405 23,283 167,515 700-749 56,519 31,980 4,341 11,022 6,940 110,802 650-699 51,813 17,433 3,203 7,691 - 80,140 600-649 27,966 4,991 1,467 3,684 - 38,108 550-599 16,714 3,070 1,027 1,918 - 22,729 500-549 10,610 1,051 572 1,295 - 13,528 Under 500 4,708 554 244 265 - 5,771 Unknown 3,733 2,110 199 282 724 7,048 Total $ 279,625 $ 116,020 $ 22,564 $ 51,258 $ 33,257 $ 502,724 Accrued interest included in total $ 1,396 $ 477 $ 87 $ 196 $ 114 $ 2,270 (1) Credit scores have been updated within the last twelve months. Installment(1) Home Equity 1st Lien Home Equity 2nd Lien Loans not Secured by Real Estate Other Total (In thousands) March 31, 2016 800 and above $ 1,638 $ 1,678 $ 43,330 $ 91 $ 46,737 750-799 3,850 5,552 89,742 522 99,666 700-749 2,375 3,591 35,628 633 42,227 650-699 3,308 3,761 16,394 459 23,922 600-649 2,032 2,068 4,663 202 8,965 550-599 1,741 1,296 1,825 105 4,967 500-549 1,000 804 1,068 55 2,927 Under 500 211 280 297 23 811 Unknown 58 29 2,133 17 2,237 Total $ 16,213 $ 19,059 $ 195,080 $ 2,107 $ 232,459 Accrued interest included in total $ 69 $ 73 $ 514 $ 16 $ 672 December 31, 2015 800 and above $ 1,792 $ 1,782 $ 44,254 $ 58 $ 47,886 750-799 4,117 5,931 86,800 531 97,379 700-749 2,507 3,899 34,789 694 41,889 650-699 3,508 4,182 16,456 499 24,645 600-649 2,173 2,153 4,979 200 9,505 550-599 1,800 1,346 1,997 109 5,252 500-549 1,056 855 1,170 61 3,142 Under 500 223 370 385 23 1,001 Unknown 59 32 1,503 4 1,598 Total $ 17,235 $ 20,550 $ 192,333 $ 2,179 $ 232,297 Accrued interest included in total $ 78 $ 83 $ 520 $ 17 $ 698 (1) Credit scores have been updated within the last twelve months. Mepco Finance Corporation (“Mepco”) is a wholly-owned subsidiary of our Bank that operates a vehicle service contract payment plan business throughout the United States. See Note #14 for more information about Mepco’s business. As of March 31, 2016, approximately 56.0% of Mepco’s outstanding payment plan receivables relate to programs in which a third party insurer or risk retention group is obligated to pay Mepco the full refund owing upon cancellation of the related service contract (including with respect to both the portion funded to the service contract seller and the portion funded to the administrator). These receivables are shown as “Full Refund” in the table below. Another approximately 20.3% of Mepco’s outstanding payment plan receivables as of March 31, 2016, relate to programs in which a third party insurer or risk retention group is obligated to pay Mepco the refund owing upon cancellation only with respect to the unearned portion previously funded by Mepco to the administrator (but not to the service contract seller). These receivables are shown as “Partial Refund” in the table below. The balance of Mepco’s outstanding payment plan receivables relate to programs in which there is no insurer or risk retention group that has any contractual liability to Mepco for any portion of the refund amount. These receivables are shown as “Other” in the table below. For each class of our payment plan receivables we monitor financial information on the counterparties as we evaluate the credit quality of this portfolio. The following table summarizes credit ratings of insurer or risk retention group counterparties by class of payment plan receivable: Payment Plan Receivables Full Refund Partial Refund Other Total (In thousands) March 31, 2016 AM Best rating A+ $ - $ 11 $ - $ 11 A 1,845 5,285 - 7,130 A- 2,576 1,208 7,658 11,442 Not rated 13,663 57 2 13,722 Total $ 18,084 $ 6,561 $ 7,660 $ 32,305 December 31, 2015 AM Best rating A+ $ - $ 6 $ - $ 6 A 2,712 5,203 - 7,915 A- 3,418 1,177 6,265 10,860 Not rated 15,720 93 5 15,818 Total $ 21,850 $ 6,479 $ 6,270 $ 34,599 Although Mepco has contractual recourse against various counterparties for refunds owing upon cancellation of vehicle service contracts, see Note #14 below regarding certain risks and difficulties associated with collecting these refunds. Foreclosed residential real estate properties included in other real estate and repossessed assets on our Condensed Consolidated Statements of Financial Condition totaled $2.5 million and $2.8 million at March 31, 2016 and December 31, 2015, respectively. Retail mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process according to local requirements totaled $1.4 million and $1.1 million at March 31, 2016 and December 31, 2015, respectively.

Segments

Segments	3 Months Ended
	Mar. 31, 2016
Segments [Abstract]
Segments	5. Segments Our reportable segments are based upon legal entities. We currently have two reportable segments: Independent Bank (“IB” or “Bank”) and Mepco. These business segments are also differentiated based on the products and services provided. We evaluate performance based principally on net income (loss) of the respective reportable segments. In the normal course of business, our IB segment provides funding to our Mepco segment through an intercompany line of credit priced at the prime rate of interest as published in the Wall Street Journal. Our IB segment also provides certain administrative services to our Mepco segment which are reimbursed at an agreed upon rate. These intercompany transactions are eliminated upon consolidation. The only other material intersegment balances and transactions are investments in subsidiaries at the parent entities and cash balances on deposit at our IB segment. A summary of selected financial information for our reportable segments follows: IB Mepco Other(1) Elimination(2) Total (In thousands) Total assets March 31, 2016 $ 2,425,152 $ 50,515 $ 275,315 $ (263,862 ) $ 2,487,120 December 31, 2015 2,340,566 57,208 286,936 (275,644 ) 2,409,066 For the three months ended March 31, 2016 Interest income $ 20,243 $ 1,110 $ 5 $ (4 ) $ 21,354 Net interest income 19,102 932 (271 ) - 19,763 Provision for loan losses (526 ) (4 ) - - (530 ) Income (loss) before income tax 6,862 (359 ) (423 ) (23 ) 6,057 Net income (loss) 4,619 (237 ) (267 ) (15 ) 4,100 2015 Interest income $ 18,221 $ 1,331 $ 20 $ (20 ) $ 19,552 Net interest income 17,183 1,135 (227 ) - 18,091 Provision for loan losses (656 ) (3 ) - - (659 ) Income (loss) before income tax 6,259 (291 ) (383 ) (24 ) 5,561 Net income (loss) 4,233 (192 ) (244 ) (16 ) 3,781 (1) Includes amounts relating to our parent company. (2) Includes parent company's investment in subsidiaries and cash balances maintained at subsidiary.

Shareholders' Equity and Earnin

Shareholders' Equity and Earnings Per Common Share	3 Months Ended
	Mar. 31, 2016
Shareholders' Equity and Earnings Per Common Share [Abstract]
Shareholders' Equity and Earnings Per Common Share	6. Shareholders’ Equity and Earnings Per Common Share On January 21, 2016, our Board of Directors authorized a share repurchase plan (the “Repurchase Plan”) to buy back up to 5% of our outstanding common stock through December 31, 2016. On November 15, 2011, we entered into a Tax Benefits Preservation Plan (the "Preservation Plan") with our stock transfer agent, American Stock Transfer & Trust Company. Our Board of Directors adopted the Preservation Plan in an effort to protect the value to our shareholders of our ability to use deferred tax assets such as net operating loss carry forwards to reduce potential future federal income tax obligations. Under federal tax rules, this value could be lost in the event we experienced an "ownership change," as defined in Section 382 of the Internal Revenue Code. The Preservation Plan attempts to protect this value by reducing the likelihood that we will experience such an ownership change by discouraging any person who is not already a 5% shareholder from becoming a 5% shareholder (with certain limited exceptions). On November 15, 2011, our Board of Directors declared a dividend of one preferred share purchase right (a "Right") for each outstanding share of our common stock under the terms of the Preservation Plan. The dividend is payable to the holders of common stock outstanding as of the close of business on November 15, 2011, or outstanding at any time thereafter but before the earlier of a "Distribution Date" and the date the Preservation Plan terminates. Each Right entitles the registered holder to purchase from us 1/1000 of a share of our Series C Junior Participating Preferred Stock, no par value per share ("Series C Preferred Stock"). Each 1/1000 of a share of Series C Preferred Stock has economic and voting terms similar to those of one whole share of common stock. The Rights are not exercisable and generally do not become exercisable until a person or group has acquired, subject to certain exceptions and conditions, beneficial ownership of 4.99% or more of the outstanding shares of common stock. At that time, each Right will generally entitle its holder to purchase securities of the Company at a discount of 50% to the current market price of the common stock. However, the Rights owned by the person acquiring beneficial ownership of 4.99% or more of the outstanding shares of common stock would automatically be void. The significant dilution that would result is expected to deter any person from acquiring beneficial ownership of 4.99% or more and thereby triggering the Rights. To date, none of the Rights have been exercised or have become exercisable because no unpermitted 4.99% or more change in the beneficial ownership of the outstanding common stock has occurred. The Rights will generally expire on the earlier to occur of the close of business on November 15, 2016, and certain other events described in the Preservation Plan, including such date as our Board of Directors determines that the Preservation Plan is no longer necessary for its intended purposes. At the present time, the Board of Directors does not intend to extend the Preservation Plan. A reconciliation of basic and diluted net income per common share follows: Three Months Ended March 31, 2016 2015 Net income $ 4,100 $ 3,781 Weighted average shares outstanding (1) 21,751 22,997 Stock units for deferred compensation plan for non-employee directors 113 111 Effect of stock options 112 121 Restricted stock units 86 309 Weighted average shares outstanding for calculation of diluted earnings per share 22,062 23,538 Net income per common share Basic (1) $ 0.19 $ 0.16 Diluted $ 0.19 $ 0.16 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards. Weighted average stock options outstanding that were not included in weighted average shares outstanding for calculation of diluted earnings per share because they were anti-dilutive totaled 0.03 million for both the three-month periods ended March 31, 2016 and 2015.

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2016
Derivative Financial Instruments [Abstract]
Derivative Financial Instruments	7. Derivative Financial Instruments We are required to record derivatives on our Condensed Consolidated Statements of Financial Condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting. Our derivative financial instruments according to the type of hedge in which they are designated follows: March 31, 2016 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 23,854 0.1 $ 769 Mandatory commitments to sell mortgage loans 50,127 0.1 (137 ) Pay-fixed interest rate swap agreements 42,933 9.5 (1,615 ) Pay-variable interest rate swap agreements 42,933 9.5 1,615 Purchased options 2,803 5.3 200 Written options 2,803 5.3 (200 ) Total $ 165,453 5.2 $ 632 December 31, 2015 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 20,581 0.1 $ 550 Mandatory commitments to sell mortgage loans 46,320 0.1 69 Pay-fixed interest rate swap agreements 27,587 8.0 (497 ) Pay-variable interest rate swap agreements 27,587 8.0 497 Purchased options 2,098 5.7 122 Written options 2,098 5.7 (122 ) Total $ 126,271 3.7 $ 619 Certain financial derivative instruments have not been designated as hedges. The fair value of these derivative financial instruments has been recorded on our Condensed Consolidated Statements of Financial Condition and is adjusted on an ongoing basis to reflect their then current fair value. The changes in fair value of derivative financial instruments not designated as hedges are recognized in our Condensed Consolidated Statements of Operations. In the ordinary course of business, we enter into rate-lock mortgage loan commitments with customers (“Rate-Lock Commitments”). These commitments expose us to interest rate risk. We also enter into mandatory commitments to sell mortgage loans (“Mandatory Commitments”) to reduce the impact of price fluctuations of mortgage loans held for sale and Rate-Lock Commitments. Mandatory Commitments help protect our loan sale profit margin from fluctuations in interest rates. The changes in the fair value of Rate-Lock Commitments and Mandatory Commitments are recognized currently as part of net gains on mortgage loans. We obtain market prices on Mandatory Commitments and Rate-Lock Commitments. Net gains on mortgage loans, as well as net income may be more volatile as a result of these derivative instruments, which are not designated as hedges. During 2015, we began offering to our deposit customers an equity linked time deposit product (“Altitude CD”). The Altitude CD is a time deposit that provides the customer a guaranteed return of principal at maturity plus a potential equity return (a written option), while we receive a like stream of funds based on the equity return (a purchased option). The written and purchased options will generally move in opposite directions resulting in little or no net impact on our Condensed Consolidated Statements of Operations. All of the written and purchased options in the table above relate to this Altitude CD product. We have a program that allows commercial loan customers to lock in a fixed rate for a longer period of time than we would normally offer for interest rate risk reasons. We will enter into a variable rate commercial loan and an interest rate swap agreement with a customer and then enter into an offsetting interest rate swap agreement with an unrelated party. The interest rate swap agreement fair values will generally move in opposite directions resulting in little or no net impact on our Condensed Consolidated Statements of Operations. All of the interest rate swap agreements in the table above relate to this program. The following tables illustrate the impact that the derivative financial instruments discussed above have on individual line items in the Condensed Consolidated Statements of Financial Condition for the periods presented: Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives March 31, 2016 December 31, 2015 March 31, 2016 December 31, 2015 Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In thousands) Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets $ 769 Other assets $ 550 Other liabilities $ - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets 69 Other liabilities 137 Other liabilities - Pay-fixed interest rate swap agreements Other assets - Other assets - Other liabilities 1,615 Other liabilities 497 Pay-variable interest rateswap agreements Other assets 1,615 Other assets 497 Other liabilities - Other liabilities - Purchased options Other assets 200 Other assets 122 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 200 Other liabilities 122 Total derivatives $ 2,584 $ 1,238 $ 1,952 $ 619 The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Three Month Periods Ended March 31, Location of Gain (Loss) Gain (Loss) Recognized in Income Recognized in Income 2016 2015 (In thousands) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 219 $ 388 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (206 ) (39 ) Pay-fixed interest rate swap agreements Interest income (1,118 ) (261 ) Pay-variable interest rate swap agreements Interest income 1,118 261 Purchased options Interest expense 78 - Written options Interest expense (78 ) - Total $ 13 $ 349

Intangible Assets

Intangible Assets	3 Months Ended
	Mar. 31, 2016
Intangible Assets [Abstract]
Intangible Assets	8. Intangible Assets The following table summarizes intangible assets, net of amortization: March 31, 2016 December 31, 2015 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 6,118 $ 3,925 $ 6,118 $ 3,838 Amortization of other intangibles has been estimated through 2021 and thereafter in the following table. (In thousands) Nine months ending December 31, 2016 $ 260 2017 346 2018 346 2019 346 2020 346 2021 and thereafter 549 Total $ 2,193

Share Based Compensation

Share Based Compensation	3 Months Ended
	Mar. 31, 2016
Share Based Compensation [Abstract]
Share Based Compensation	9. Share Based Compensation We maintain share based payment plans that include a non-employee director stock purchase plan and a long-term incentive plan that permits the issuance of share based compensation, including stock options and non-vested share awards. The long-term incentive plan, which is shareholder approved, permits the grant of additional share based awards for up to 0.2 million shares of common stock as of March 31, 2016. The non-employee director stock purchase plan permits the issuance of additional share based payments for up to 0.2 million shares of common stock as of March 31, 2016. Share based awards and payments are measured at fair value at the date of grant and are expensed over the requisite service period. Common shares issued upon exercise of stock options come from currently authorized but unissued shares. During each first quarter period of 2016 and 2015, pursuant to our long-term incentive plan, we granted 0.07 million shares of restricted stock and 0.03 million performance stock units (“PSU”) to certain officers. The shares of restricted stock and PSUs cliff vest after a period of three years. The performance feature of the PSUs is based on a comparison of our total shareholder return over the three year period starting on the grant date to the total shareholder return over that period for a banking index of our peers. Our directors may elect to receive a portion of their quarterly cash retainer fees in the form of common stock (either on a current basis or on a deferred basis pursuant to the non-employee director stock purchase plan referenced above). Shares equal in value to that portion of each director’s fees that he or she has elected to receive in stock are issued each quarter and vest immediately. We issued 0.002 million shares and 0.001 million shares to directors during the first three months of 2016 and 2015, respectively and expensed their value during those same periods. Total compensation expense recognized for grants pursuant to our long-term incentive plan was $0.4 million during both three month periods ended March 31, 2016 and 2015. The corresponding tax benefit relating to this expense was $0.1 million for each period. Total expense recognized for non-employee director share based payments was $0.03 million and $0.02 million during the three months ended March 31, 2016 and 2015, respectively. The corresponding tax benefit relating to this expense was $0.01 million for each period. At March 31, 2016, the total expected compensation cost related to non-vested stock options, restricted stock, PSUs and restricted stock unit awards not yet recognized was $2.4 million. The weighted-average period over which this amount will be recognized is 2.1 years. A summary of outstanding stock option grants and related transactions follows: Number of Shares Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregated Intrinsic Value (In thousands) Outstanding at January 1, 2016 235,596 $ 4.94 Granted - Exercised (10,216 ) 3.18 Forfeited (498 ) 6.42 Expired - Outstanding at March 31, 2016 224,882 $ 5.01 5.84 $ 2,180 Vested and expected to vest at March 31, 2016 224,631 $ 5.01 5.84 $ 2,178 Exercisable at March 31, 2016 202,938 $ 4.86 5.69 $ 2,002 A summary of outstanding non-vested restricted stock, restricted stock units and PSUs and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2016 261,981 $ 11.29 Granted 96,191 14.39 Vested (21,225 ) 12.78 Forfeited (1,398 ) 12.70 Outstanding at March 31, 2016 335,549 $ 12.08 Certain information regarding options exercised during the periods follows: Three Months Ended March 31, 2016 2015 Intrinsic value $ 117 $ 56 Cash proceeds received $ 32 $ 15 Tax benefit realized $ 41 $ 20

Income Tax

Income Tax	3 Months Ended
	Mar. 31, 2016
Income Tax [Abstract]
Income Tax	10. Income Tax Income tax expense was $2.0 million and $1.8 million during the three months ended March 31, 2016 and 2015, respectively. We assess whether a valuation allowance should be established against our deferred tax assets based on the consideration of all available evidence using a “more likely than not” standard. The ultimate realization of this asset is primarily based on generating future income. We concluded at both March 31, 2016 and 2015, that the realization of substantially all of our deferred tax assets continues to be more likely than not. We did maintain a valuation allowance against our deferred tax assets of approximately $1.1 million at both March 31, 2016 and December 31, 2015. This valuation allowance on our deferred tax assets primarily relates to state income taxes at our Mepco segment. In this instance, we determined that the future realization of these particular deferred tax assets was not more likely than not. This conclusion was primarily based on the uncertainty of Mepco’s future earnings attributable to particular states (given the various apportionment criteria) and the significant reduction in the size of Mepco’s business. At both March 31, 2016 and December 31, 2015, we had approximately $1.0 million, of gross unrecognized tax benefits. We do not expect the total amount of unrecognized tax benefits to significantly increase or decrease during the balance of 2016.

Regulatory Matters

Regulatory Matters	3 Months Ended
	Mar. 31, 2016
Regulatory Matters [Abstract]
Regulatory Matters	11. Regulatory Matters Capital guidelines adopted by federal and state regulatory agencies and restrictions imposed by law limit the amount of cash dividends our Bank can pay to us. Under these guidelines, the amount of dividends that may be paid in any calendar year is limited to the Bank’s current year net profits, combined with the retained net profits of the preceding two years. Further, the Bank cannot pay a dividend at any time that it has negative undivided profits. As of March 31, 2016, the Bank had negative undivided profits of $5.7 million. We can request regulatory approval for a return of capital from the Bank to the parent company. During the first quarters of 2016 and 2015, we requested regulatory approval for returns of capital from the Bank to the parent company of $18.0 million and $18.5 million, respectively. These return of capital requests were approved by our banking regulators on February 24, 2016 and February 13, 2015, respectively and the Bank returned these amounts to the parent company on February 25, 2016 and February 17, 2015, respectively. It is not our intent to have dividends paid in amounts that would reduce the capital of our Bank to levels below those which we consider prudent and in accordance with guidelines of regulatory authorities. We are also subject to various regulatory capital requirements. The prompt corrective action regulations establish quantitative measures to ensure capital adequacy and require minimum amounts and ratios of total, Tier 1, and common equity Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. Failure to meet minimum capital requirements can result in certain mandatory, and possibly discretionary, actions by regulators that could have a material effect on our consolidated financial statements. Under capital adequacy guidelines, we must meet specific capital requirements that involve quantitative measures as well as qualitative judgments by the regulators. The most recent regulatory filings as of March 31, 2016 and December 31, 2015, categorized our Bank as well capitalized. Management is not aware of any conditions or events that would have changed the most recent Federal Deposit Insurance Corporation (“FDIC”) categorization. On July 2, 2013, the Federal Reserve approved a final rule that establishes an integrated regulatory capital framework (the “New Capital Rules”). The rule implements in the United States the Basel III regulatory capital reforms from the Basel Committee on Banking Supervision and certain changes required by the Dodd-Frank Act. In general, under the New Capital Rules, minimum requirements have increased for both the quantity and quality of capital held by banking organizations. Consistent with the international Basel framework, the New Capital Rules include a new minimum ratio of common equity Tier 1 capital to risk-weighted assets of 4.5% and a common equity Tier 1 capital conservation buffer of 2.5% of risk-weighted assets that applies to all supervised financial institutions. The capital conservation buffer began to phase in on January 1, 2016 with 0.625% added to the minimum ratio for adequately capitalized institutions for 2016. To avoid limits on capital distributions and certain discretionary bonus payments we must meet the minimum ratio for adequately capitalized institutions plus the phased in buffer. The rule also raises the minimum ratio of Tier 1 capital to risk-weighted assets from 4% to 6% and includes a minimum leverage ratio of 4% for all banking organizations. As to the quality of capital, the New Capital Rules emphasize common equity Tier 1 capital, the most loss-absorbing form of capital, and implement strict eligibility criteria for regulatory capital instruments. The New Capital Rules also change the methodology for calculating risk-weighted assets to enhance risk sensitivity. The New Capital Rules became effective for us on January 1, 2015. Our actual capital amounts and ratios follow: Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) March 31, 2016 Total capital to risk-weighted assets Consolidated $ 268,031 15.81 % $ 135,651 8.00 % NA NA Independent Bank 251,157 14.83 135,503 8.00 $ 169,379 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 246,688 14.55 % $ 101,738 6.00 % NA NA Independent Bank 229,884 13.57 101,628 6.00 $ 135,503 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 222,205 13.10 % $ 76,304 4.50 % NA NA Independent Bank 229,884 13.57 76,221 4.50 $ 110,097 6.50 % Tier 1 capital to average assets Consolidated $ 246,688 10.31 % $ 95,713 4.00 % NA NA Independent Bank 229,884 9.61 95,647 4.00 $ 119,559 5.00 % December 31, 2015 Total capital to risk-weighted assets Consolidated $ 278,170 16.65 % $ 133,668 8.00 % NA NA Independent Bank 261,894 15.69 133,514 8.00 $ 166,893 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 257,050 15.38 % $ 100,251 6.00 % NA NA Independent Bank 240,867 14.43 100,136 6.00 $ 133,514 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 239,271 14.32 % $ 75,188 4.50 % NA NA Independent Bank 240,867 14.43 75,102 4.50 $ 108,480 6.50 % Tier 1 capital to average assets Consolidated $ 257,050 10.91 % $ 94,217 4.00 % NA NA Independent Bank 240,867 10.23 94,145 4.00 $ 117,682 5.00 % NA - Not applicable The components of our regulatory capital are as follows: Consolidated Independent Bank March 31, 2016 December 31, 2015 March 31, 2016 December 31, 2015 (In thousands) Total shareholders' equity $ 239,545 $ 251,092 $ 247,567 $ 259,947 Add (deduct) Accumulated other comprehensive (income) loss for regulatory purposes (999 ) 238 (999 ) 238 Intangible assets (1,316 ) (912 ) (1,316 ) (912 ) Disallowed deferred tax assets (15,025 ) (11,147 ) (15,368 ) (18,406 ) Common equity tier 1 capital 222,205 239,271 229,884 240,867 Qualifying trust preferred securities 34,500 34,500 - - Disallowed deferred tax assets (10,017 ) (16,721 ) - - Tier 1 capital 246,688 257,050 229,884 240,867 Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 21,343 21,120 21,273 21,027 Total risk-based capital $ 268,031 $ 278,170 $ 251,157 $ 261,894

Fair Value Disclosures

Fair Value Disclosures	3 Months Ended
	Mar. 31, 2016
Fair Value Disclosures [Abstract]
Fair Value Disclosures	12. Fair Value Disclosures FASB ASC topic 820 defines fair value as the exchange price that would be received for an asset or paid to transfer a liability (an 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. FASB ASC topic 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 value: Level 1: Valuation is based upon quoted prices for identical instruments traded in active markets. Level 1 instruments include securities traded on active exchange markets, such as the New York Stock Exchange, as well as U.S. Treasury securities that are traded by dealers or brokers in active over-the-counter markets. Level 2: Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market. Level 2 instruments include securities traded in less active dealer or broker markets. Level 3: Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques include use of option pricing models, discounted cash flow models and similar techniques. We used the following methods and significant assumptions to estimate fair value: Securities Loans held for sale Impaired loans with specific loss allocations based on collateral value Other real estate Appraisals for both collateral-dependent impaired loans and other real estate are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by us. Once received, an independent third party (for commercial properties over $0.25 million) or a member of our Collateral Evaluation Department (for commercial properties under $0.25 million) or a member of our Special Assets Group (for retail properties) reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. We compare the actual selling price of collateral that has been sold to the most recent appraised value of our properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. For commercial and retail properties we typically discount an appraisal to account for various factors that the appraisal excludes in its assumptions. These additional discounts generally do not result in material adjustments to the appraised value. Capitalized mortgage loan servicing rights Derivatives Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2016: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 136 $ 136 $ - $ - Securities available for sale U.S. agency 35,385 - 35,385 - U.S. agency residential mortgage-backed 197,379 - 197,379 - U.S. agency commercial mortgage-backed 8,492 - 8,492 - Private label mortgage-backed 18,375 - 18,375 - Other asset backed 128,072 - 128,072 - Obligations of states and political subdivisions 148,345 - 148,345 - Corporate 49,510 - 49,510 - Trust preferred 2,303 - 2,303 - Foreign government 1,639 - 1,639 - Loans held for sale 28,016 - 28,016 - Derivatives (1) 2,584 - 2,584 - Liabilities Derivatives (2) 1,952 - 1,952 - Measured at Fair Value on a Non-recurring basis: Assets Capitalized mortgage loan servicing rights (3) 10,454 - - 10,454 Impaired loans (4) Commercial Income producing - real estate 605 - - 605 Land, land development & construction-real estate 35 - - 35 Commercial and industrial 1,166 - - 1,166 Mortgage 1-4 Family 540 - - 540 Resort Lending 245 - - 245 Other real estate (5) Commercial Land, land development & construction-real estate 549 - - 549 Mortgage 1-4 Family 66 - - 66 Resort lending 93 - - 93 Home equity - 1st lien 18 18 Installment Home equity - 1st lien 23 - - 23 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance. (4) Only includes impaired loans with specific loss allocations based on collateral value. (5) Only includes other real estate with subsequent write downs to fair value. Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2015: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 148 $ 148 $ - $ - Securities available for sale U.S. agency 47,512 - 47,512 - U.S. agency residential mortgage-backed 196,056 - 196,056 - U.S. agency commercial mortgage-backed 34,028 - 34,028 - Private label mortgage-backed 4,903 - 4,903 - Other asset backed 116,904 - 116,904 - Obligations of states and political subdivisions 144,984 - 144,984 - Corporate 38,614 - 38,614 - Trust preferred 2,483 - 2,483 - Loans held for sale 27,866 - 27,866 - Derivatives (1) 1,238 - 1,238 - Liabilities Derivatives (2) 619 - 619 - Measured at Fair Value on a Non-recurring basis: Assets Capitalized mortgage loan servicing rights (3) 8,481 - - 8,481 Impaired loans (4) Commercial Income producing - real estate 711 - - 711 Land, land development & construction-real estate 40 - - 40 Commercial and industrial 1,257 - - 1,257 Mortgage 1-4 Family 421 - - 421 Resort lending 129 - - 129 Other real estate (5) Commercial Land, land development & construction-real estate 639 - - 639 Commercial and industrial 165 - - 165 Mortgage 1-4 Family 26 - - 26 Resort lending 107 - - 107 Home equity - 1st lien 14 - - 14 Installment Home equity - 1st lien 36 - - 36 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance. (4) Only includes impaired loans with specific loss allocations based on collateral value. (5) Only includes other real estate with subsequent write downs to fair value. There were no transfers between Level 1 and Level 2 during the three months ended March 31, 2016 and 2015. Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the three-Month Periods Ended March 31 for Items Measured at Fair Value Pursuant to Election of the Fair Value Option 2016 2015 Net Gains (Losses) on Assets Total Change in Fair Values Included in Current Period Net Gains (Losses) on Assets Total Change in Fair Values Included in Current Period Securities Loans Earnings Securities Loans Earnings (In thousands) Trading securities $ (12 ) $ - $ (12 ) $ 10 $ - $ 10 Loans held for sale - 127 127 - 209 209 For those items measured at fair value pursuant to our election of the fair value option, interest income is recorded within the Condensed Consolidated Statements of Operations based on the contractual amount of interest income earned on these financial assets and dividend income is recorded based on cash dividends received. The following represent impairment charges recognized during the three periods ended March 31, 2016 and 2015 relating to assets measured at fair value on a non-recurring basis: · Capitalized mortgage loan servicing rights, whose individual strata are measured at fair value, had a carrying amount of $10.5 million which is net of a valuation allowance of $4.7 million at March 31, 2016 and had a carrying amount of $8.5 million which is net of a valuation allowance of $3.3 million at December 31, 2015. An additional charge relating to capitalized mortgage loan servicing rights measured at fair value of $1.5 million and $0.7 million was included in our results of operations for the three month periods ending March 31, 2016 and 2015, respectively. · Loans which are measured for impairment using the fair value of collateral for collateral dependent loans, had a carrying amount of $5.3 million, with a valuation allowance of $2.7 million at March 31, 2016 and had a carrying amount of $5.1 million, with a valuation allowance of $2.5 million at December 31, 2015. The provision for loan losses included in our results of operations relating to impaired loans was an expense of $0.6 million for both three month periods ending March 31, 2016 and 2015. · Other real estate, which is measured using the fair value of the property, had a carrying amount of $0.7 million which is net of a valuation allowance of $1.7 million at March 31, 2016 and a carrying amount of $1.0 million which is net of a valuation allowance of $1.7 million at December 31, 2015. An additional charge relating to other real estate measured at fair value of $0.2 million was included in our results of operations during both three month periods ended March 31, 2016 and 2015, respectively. We had no assets or liabilities measured at fair value on a recurring basis that used significant unobservable inputs (Level 3) during the three months ended March 31, 2016 and 2015. Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Weighted Average (In thousands) March 31, 2016 Capitalized mortgage loan servicing rights $ 10,454 Present value of net servicing revenue Discount rate 10.04 % Cost to service $ 80 Ancillary income 24 Float rate 1.17 % Impaired loans Commercial (1) 1,601 Sales comparison approach Adjustment for differences between comparable sales (1.2 )% Mortgage 785 Sales comparison approach Adjustment for differences between comparable sales 2.2 Other real estate Commercial 549 Sales comparison approach Adjustment for differences between comparable sales (5.6 ) Mortgage and installment 200 Sales comparison approach Adjustment for differences between comparable sales 58.5 December 31, 2015 Capitalized mortgage loan servicing rights $ 8,481 Present value of net servicing revenue Discount rate 10.04 % Cost to service $ 80 Ancillary income 24 Float rate 1.73 % Impaired loans Commercial (1) 1,605 Sales comparison approach Adjustment for differences between comparable sales (2.1 )% Income approach Capitalization rate 9.3 Mortgage 550 Sales comparison approach Adjustment for differences between comparable sales 0.7 Other real estate Commercial 804 Sales comparison approach Adjustment for differences between comparable sales (3.9 ) Mortgage and installment 183 Sales comparison approach Adjustment for differences between comparable sales 75.6 (1) In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2016 and December 31, 2015, we had an impaired collateral dependent commercial relationship that totaled $0.2 million and $0.4 million, respectively that was primarily secured by collateral other than real estate. Collateral securing this relationship primarily included machinery and equipment and inventory at March 31, 2016 and December 31, 2015. Valuation techniques at March 31, 2016 and December 31, 2015, included appraisals and discounting restructuring firm valuations based on estimates of value recovery of each particular asset type. Discount rates used ranged from 0% to 100% of stated values. The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale March 31, 2016 $ 28,016 $ 841 $ 27,175 December 31, 2015 27,866 714 27,152

Fair Values of Financial Instru

Fair Values of Financial Instruments	3 Months Ended
	Mar. 31, 2016
Fair Values of Financial Instruments [Abstract]
Fair Values of Financial Instruments	13. Fair Values of Financial Instruments Most of our assets and liabilities are considered financial instruments. Many of these financial instruments lack an available trading market and it is our general practice and intent to hold the majority of our financial instruments to maturity. Significant estimates and assumptions were used to determine the fair value of financial instruments. These estimates are subjective in nature, involving uncertainties and matters of judgment, and therefore, fair values may not be a precise estimate. Changes in assumptions could significantly affect the estimates. Estimated fair values have been determined using available data and methodologies that are considered suitable for each category of financial instrument. For instruments with adjustable interest rates which reprice frequently and without significant credit risk, it is presumed that estimated fair values approximate the recorded book balances. Cash and due from banks and interest bearing deposits Interest bearing deposits - time Securities Federal Home Loan Bank and Federal Reserve Bank Stock Net loans and loans held for sale Accrued interest receivable and payable Derivative financial instruments Deposits Other borrowings Subordinated debentures The estimated recorded book balances and fair values follow: Fair Value Using Recorded Book Balance Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2016 Assets Cash and due from banks $ 41,790 $ 41,790 $ 41,790 $ - $ - Interest bearing deposits 102,919 102,919 102,919 - - Interest bearing deposits - time 10,178 10,214 - 10,214 - Trading securities 136 136 136 - - Securities available for sale 589,500 589,500 - 589,500 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,600 NA NA NA NA Net loans and loans held for sale 1,544,503 1,513,641 - 28,016 1,485,625 Accrued interest receivable 6,855 6,855 - 2,300 4,555 Derivative financial instruments 2,584 2,584 - 2,584 - Liabilities Deposits with no stated maturity (1) $ 1,704,515 $ 1,704,515 $ 1,704,515 $ - $ - Deposits with stated maturity (1) 450,191 449,221 - 449,221 - Other borrowings 11,953 13,425 - 13,425 - Subordinated debentures 35,569 22,526 - 22,526 - Accrued interest payable 562 562 21 541 - Derivative financial instruments 1,952 1,952 - 1,952 - December 31, 2015 Assets Cash and due from banks $ 54,260 $ 54,260 $ 54,260 $ - $ - Interest bearing deposits 31,523 31,523 31,523 - - Interest bearing deposits - time 11,866 11,858 - 11,858 - Trading securities 148 148 148 - - Securities available for sale 585,484 585,484 - 585,484 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,471 NA NA NA NA Net loans and loans held for sale 1,520,346 1,472,613 - 27,866 1,444,747 Accrued interest receivable 6,565 6,565 5 1,969 4,591 Derivative financial instruments 1,238 1,238 - 1,238 - Liabilities Deposits with no stated maturity (1) $ 1,659,743 $ 1,659,743 $ 1,659,743 $ - $ - Deposits with stated maturity (1) 426,220 423,776 - 423,776 - Other borrowings 11,954 13,448 - 13,448 - Subordinated debentures 35,569 23,069 - 23,069 - Accrued interest payable 466 466 21 445 - Derivative financial instruments 619 619 - 619 - (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $14.2 million and $11.8 million at March 31, 2016 and December 31, 2015, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $36.1 million and $38.4 million at March 31, 2016 and December 31, 2015, respectively. The fair values for commitments to extend credit and standby letters of credit are estimated to approximate their aggregate book balance, which is nominal and therefore are not disclosed. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale the entire holdings of a particular financial instrument. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business, the value of future earnings attributable to off-balance sheet activities and the value of assets and liabilities that are not considered financial instruments. Fair value estimates for deposit accounts do not include the value of the core deposit intangible asset resulting from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market.

Contingent Liabilities

Contingent Liabilities	3 Months Ended
	Mar. 31, 2016
Contingent Liabilities [Abstract]
Contingent Liabilities	14. Contingent Liabilities We are involved in various litigation matters in the ordinary course of business. At the present time, we do not believe any of these matters will have a significant impact on our consolidated financial position or results of operations. The aggregate amount we have accrued for losses we consider probable as a result of these litigation matters is immaterial. However, because of the inherent uncertainty of outcomes from any litigation matter, we believe it is reasonably possible we may incur losses in addition to the amounts we have accrued. At this time, we estimate the maximum amount of additional losses that are reasonably possible is approximately $1.0 million. However, because of a number of factors, including the fact that certain of these litigation matters are still in their early stages, this maximum amount may change in the future. The litigation matters described in the preceding paragraph primarily include claims that have been brought against us for damages, but do not include litigation matters where we seek to collect amounts owed to us by third parties (such as litigation initiated to collect delinquent loans or vehicle service contract counterparty receivables). These excluded, collection-related matters may involve claims or counterclaims by the opposing party or parties, but we have excluded such matters from the disclosure contained in the preceding paragraph in all cases where we believe the possibility of us paying damages to any opposing party is remote. Risks associated with the likelihood that we will not collect the full amount owed to us, net of reserves, are disclosed elsewhere in this report. Our Mepco segment conducts its payment plan business activities across the United States. Mepco acquires the payment plans from companies (which we refer to as Mepco’s “counterparties”) at a discount from the face amount of the payment plan. Each payment plan (which are classified as payment plan receivables in our Condensed Consolidated Statements of Financial Condition) permits a consumer to purchase a vehicle service contract by making installment payments, generally for a term of 12 to 24 months, to the sellers of those contracts (one of the “counterparties”). Mepco thereafter collects the payments from consumers. In acquiring the payment plan, Mepco generally funds a portion of the cost to the seller of the service contract and a portion of the cost to the administrator of the service contract. The administrator, in turn, pays the necessary contractual liability insurance policy (“CLIP”) premium to the insurer or risk retention group. Consumers are allowed to voluntarily cancel the service contract at any time and are generally entitled to receive a refund from the administrator of the unearned portion of the service contract at the time of cancellation. As a result, while Mepco does not owe any refund to the consumer, it also does not have any recourse against the consumer for nonpayment of a payment plan and therefore does not evaluate the creditworthiness of the individual consumer. If a consumer stops making payments on a payment plan or exercises the right to voluntarily cancel the service contract, the service contract seller and administrator are each obligated to refund to Mepco the amount necessary to make Mepco whole as a result of its funding of the service contract. In addition, the insurer or risk retention group that issued the CLIP for the service contract often guarantees all or a portion of the refund to Mepco. See Note #4 above for a breakdown of Mepco’s payment plan receivables by the level of recourse Mepco has against various counterparties. Upon the cancellation of a service contract and the completion of the billing process to the counterparties for amounts due to Mepco, there is a decrease in the amount of “payment plan receivables” and an increase in the amount of “vehicle service contract counterparty receivables” until such time as the amount due from the counterparty is collected. These amounts represent funds actually due to Mepco from its counterparties for cancelled service contracts. Mepco is currently in the process of working to recover these receivables, primarily through negotiated settlements with the counterparties. In some cases, Mepco requires collateral or guaranties by the principals of the counterparties to secure these refund obligations; however, this is generally only the case when no insurance company is involved to guarantee the repayment obligation of the seller and administrator counterparties. In most cases, there is no collateral to secure the counterparties’ refund obligations to Mepco, but Mepco has the contractual right to offset unpaid refund obligations against amounts Mepco would otherwise be obligated to fund to the counterparties. In addition, even when collateral is involved, the refund obligations of these counterparties are not fully secured. Mepco incurs losses when it is unable to fully recover funds owing to it by counterparties upon cancellation of the underlying service contracts. The sudden failure of one of Mepco’s major counterparties (an insurance company, administrator, or seller/dealer) could expose us to significant losses. When counterparties do not honor their contractual obligations to Mepco to repay funds, we recognize estimated losses. Mepco pursues collection (including commencing legal action if necessary) of funds due to it under its various contracts with counterparties. Mepco has had to initiate litigation against certain counterparties, including third party insurers, to collect amounts owed to Mepco as a result of those parties' dispute of their contractual obligations to Mepco. During the first quarter of 2016, we settled our last significant remaining litigation matter with certain of Mepco’s counterparties. This settlement resulted in our receipt of a cash payment of $4.0 million, which reduced vehicle service contract counterparty receivables, net to $3.2 million as of March 31, 2016 compared to $7.2 million as of December 31, 2015. This settlement also resulted in our receipt of an interest-bearing promissory note from one of Mepco’s counterparties for $1.5 million with monthly payments scheduled over a five-year period beginning in May 2016. Due to the lack of any payment history and limited financial information on this counterparty, we established a full reserve on this promissory note as of March 31, 2016. As a payment history is developed on this note, we will continue to evaluate the need for all or any part of a reserve. Charges related to estimated losses for vehicle service contract counterparty contingencies included in non-interest expense totaled $0.03 million for both three month periods ended March 31, 2016 and 2015. These charges are being classified in non-interest expense because they are associated with a default or potential default of a contractual obligation under our counterparty contracts as opposed to loss on the administration of the payment plan itself. Our estimate of probable incurred losses from vehicle service contract counterparty contingencies requires a significant amount of judgment because a number of factors can influence the amount of loss that we may ultimately incur. These factors include our estimate of future cancellations of vehicle service contracts, our evaluation of collateral that may be available to recover funds due from our counterparties, and our assessment of the amount that may ultimately be collected from counterparties in connection with their contractual obligations. We apply a rigorous process, based upon historical payment plan activity and past experience, to estimate probable incurred losses and quantify the necessary reserves for our vehicle service contract counterparty contingencies, but there can be no assurance that our modeling process will successfully identify all such losses. We believe our assumptions regarding the collection of vehicle service contract counterparty receivables are reasonable, and we based them on our good faith judgments using data currently available. We also believe the current amount of reserves we have established and the vehicle service contract counterparty contingencies expense that we have recorded are appropriate given our estimate of probable incurred losses at the applicable Condensed Consolidated Statement of Financial Condition date. However, because of the uncertainty surrounding the numerous and complex assumptions made, actual losses could exceed the charges we have taken to date. The provision for loss reimbursement on sold loans represents our estimate of incurred losses related to mortgage loans that we have sold to investors (primarily Fannie Mae, Freddie Mac and Ginnie Mae). Since we sell mortgage loans without recourse, loss reimbursements only occur in those instances where we have breached a representation or warranty or other contractual requirement related to the loan sale. The provision for loss reimbursement on sold loans was a credit of $0.02 million and $0.07 million for the three months ended March 31, 2016 and 2015, respectively. The credit provision in each period is due primarily to the settlement of certain loss reimbursement claims at slightly lower amounts than what had been specifically reserved for previously. The reserve for loss reimbursements on sold mortgage loans totaled $0.5 million at both March 31, 2016 and December 31, 2015. This reserve is included in accrued expenses and other liabilities in our Condensed Consolidated Statements of Financial Condition. This reserve is based on an analysis of mortgage loans that we have sold which are further categorized by delinquency status, loan to value, and year of origination. The calculation includes factors such as probability of default, probability of loss reimbursement (breach of representation or warranty) and estimated loss severity. The reserve levels at March 31, 2016 and December 31, 2015 also reflect the resolution of the mortgage loan origination years of 2000 to 2008 with Fannie Mae and Freddie Mac. We believe that the amounts that we have accrued for incurred losses on sold mortgage loans are appropriate given our analyses. However, future losses could exceed our current estimate.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss ("AOCL")	3 Months Ended
	Mar. 31, 2016
Accumulated Other Comprehensive Loss ("AOCL") [Abstract]
Accumulated Other Comprehensive Loss ("AOCL")	15. Accumulated Other Comprehensive Loss (“AOCL”) A summary of changes in AOCL follows: Unrealized Gains (Losses) on Available for Sale Securities Dispropor- tionate Tax Effects from Securities Available for Sale Total For the three months ended March 31, 2016 Balances at beginning of period $ (238 ) $ (5,798 ) $ (6,036 ) Other comprehensive income before reclassifications 1,349 - 1,349 Amounts reclassified from AOCL (112 ) - (112 ) Net current period other comprehensive income 1,237 - 1,237 Balances at end of period $ 999 $ (5,798 ) $ (4,799 ) 2015 Balances at beginning of period $ 162 $ (5,798 ) $ (5,636 ) Other comprehensive income before reclassifications 1,483 - 1,483 Amounts reclassified from AOCL (49 ) - (49 ) Net current period other comprehensive income 1,434 - 1,434 Balances at end of period $ 1,596 $ (5,798 ) $ (4,202 ) The disproportionate tax effects from securities available for sale arose due to tax effects of other comprehensive income (“OCI”) in the presence of a valuation allowance against our deferred tax assets and a pretax loss from operations. Generally, the amount of income tax expense or benefit allocated to operations is determined without regard to the tax effects of other categories of income or loss, such as OCI. However, an exception to the general rule is provided when, in the presence of a valuation allowance against deferred tax assets, there is a pretax loss from operations and pretax income from other categories in the current period. In such instances, income from other categories must offset the current loss from operations, the tax benefit of such offset being reflected in operations. A summary of reclassifications out of each component of AOCL for the three months ended March 31 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2016 Unrealized losses on securities available for sale $ 174 Net gains on securities - Net impairment loss recognized in earnings 174 Total reclassifications before tax 62 Income tax expense $ 112 Reclassifications, net of tax 2015 Unrealized losses on securities available for sale $ 75 Net gains on securities - Net impairment loss recognized in earnings 75 Total reclassifications before tax 26 Income tax expense $ 49 Reclassifications, net of tax

New Accounting Standards (Polic

New Accounting Standards (Policies)	3 Months Ended
	Mar. 31, 2016
New Accounting Standards [Abstract]
New Accounting Standards	In June 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-12, “Compensation – Stock Compensation (Topic 718) – Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved After the Requisite Service Period”. This ASU amends existing guidance related to the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. These amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. The total amount of compensation cost recognized during and after the requisite service period should reflect the number of awards that are expected to vest and should be adjusted to reflect those awards that ultimately vest. The requisite service period ends when the employee can cease rendering service and still be eligible to vest in the award if the performance target is achieved. This amended guidance became effective for us on January 1, 2016, and did not have a material impact on our consolidated operating results or financial condition. In May 2014, the FASB issued ASU 2014-09, “Revenue from Contracts with Customers (Topic 606) ”. In January 2016, the FASB issued ASU 2016-01, “Financial Instruments – Overall (Subtopic 825-10) – Recognition and Measurement of Financial Assets and Financial Liabilities”. This ASU amends existing guidance related to the accounting for certain financial assets and liabilities. These amendments, among other things, requires equity investments (except those accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income, requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes, requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset and eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. This amended guidance is effective for us on January 1, 2018, and is not expected to have a material impact on our consolidated operating results or financial condition. In February 2016, the FASB issued ASU 2016-02, “Leases (Topic 842)”. This ASU amends existing guidance related to the accounting for leases. These amendments, among other things, requires lessees to account for most leases on the balance sheet while recognizing expense on the income statement in a manner similar to existing guidance. For lessors the guidance modifies the classification criteria and the accounting for sales-type and direct finance leases. This amended guidance is effective for us on January 1, 2019, and is not expected to have a material impact on our consolidated operating results or financial condition. In March 2016, the FASB issued ASU 2016-09, “Compensation – Stock Compensation (718) Improvements to Employee Share-Based Payment Accounting”. This ASU amends existing guidance in an effort to simplify certain aspects of accounting for share-based payments. The areas for simplification in this ASU include income tax consequences, classification of awards as either equity or liabilities and classification on the statement of cash flows. This amended guidance is effective for us on January 1, 2017, with early adoption permitted, and is not expected to have a material impact on our consolidated operating results or financial condition.

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2016
Securities [Abstract]
Securities available for sale	Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) March 31, 2016 U.S. agency $ 35,016 $ 431 $ 62 $ 35,385 U.S. agency residential mortgage-backed 196,017 1,635 273 197,379 U.S. agency commercial mortgage-backed 8,382 112 2 8,492 Private label mortgage-backed 18,569 154 348 18,375 Other asset backed 128,431 124 483 128,072 Obligations of states and political subdivisions 147,411 1,644 710 148,345 Corporate 49,565 162 217 49,510 Trust preferred 2,918 - 615 2,303 Foreign government 1,654 - 15 1,639 Total $ 587,963 $ 4,262 $ 2,725 $ 589,500 December 31, 2015 U.S. agency $ 47,283 $ 309 $ 80 $ 47,512 U.S. agency residential mortgage-backed 195,055 1,584 583 196,056 U.S. agency commercial mortgage-backed 34,017 94 83 34,028 Private label mortgage-backed 5,061 161 319 4,903 Other asset backed 117,431 54 581 116,904 Obligations of states and political subdivisions 145,193 941 1,150 144,984 Corporate 38,895 9 290 38,614 Trust preferred 2,916 - 433 2,483 Total $ 585,851 $ 3,152 $ 3,519 $ 585,484
Investments in a continuous unrealized loss position	Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) March 31, 2016 U.S. agency $ 7,168 $ 20 $ 6,360 $ 42 $ 13,528 $ 62 U.S. agency residential mortgage-backed 26,856 130 16,325 143 43,181 273 U.S. agency commercial mortgage-backed 1,236 1 202 1 1,438 2 Private label mortgage- backed 5,645 17 3,093 331 8,738 348 Other asset backed 82,903 280 9,804 203 92,707 483 Obligations of states and political subdivisions 22,296 282 9,737 428 32,033 710 Corporate 28,299 208 991 9 29,290 217 Trust preferred - - 2,303 615 2,303 615 Foreign government 1,639 15 - - 1,639 15 Total $ 176,042 $ 953 $ 48,815 $ 1,772 $ 224,857 $ 2,725 December 31, 2015 U.S. agency $ 12,164 $ 47 $ 6,746 $ 33 $ 18,910 $ 80 U.S. agency residential mortgage-backed 57,538 316 23,340 267 80,878 583 U.S. agency commercial mortgage-backed 16,747 60 2,247 23 18,994 83 Private label mortgage- backed - - 3,393 319 3,393 319 Other asset backed 102,660 434 5,189 147 107,849 581 Obligations of states and political subdivisions 52,493 597 12,240 553 64,733 1,150 Corporate 30,550 290 - - 30,550 290 Trust preferred - - 2,483 433 2,483 433 Total $ 272,152 $ 1,744 $ 55,638 $ 1,775 $ 327,790 $ 3,519
Trust preferred securities	The following table breaks out our trust preferred securities in further detail as of March 31, 2016 and December 31, 2015: March 31, 2016 December 31, 2015 Fair Value Net Unrealized Loss Fair Value Net Unrealized Loss (In thousands) Trust preferred securities Rated issues $ 1,550 $ (368 ) $ 1,690 $ (226 ) Unrated issues 753 (247 ) 793 (207 )
Private label mortgage backed securities below investment grade	At March 31, 2016, three private label mortgage-backed securities had credit related OTTI and are summarized as follows: Senior Security Super Senior Security Senior Support Security Total (In thousands) As of March 31, 2016 Fair value $ 1,546 $ 1,250 $ 75 $ 2,871 Amortized cost 1,575 1,188 - 2,763 Non-credit unrealized loss 29 - - 29 Unrealized gain - 62 75 137 Cumulative credit related OTTI 757 457 380 1,594 Credit related OTTI recognized in our Condensed Consolidated Statements of Operations For the three months ended March 31, 2016 $ - $ - $ - $ - 2015 - - - -
Credit losses recognized in earnings on securities available for sale	A roll forward of credit losses recognized in earnings on securities available for sale for the three month periods ending March 31, follows: Three months ended March 31, 2016 2015 (In thousands) Balance at beginning of period $ 1,844 $ 1,844 Additions to credit losses on securities for which no previous OTTI was recognized - - Increases to credit losses on securities for which OTTI was previously recognized - - Balance at end of period $ 1,844 $ 1,844
Amortized cost and fair value of securities available for sale by contractual maturity	The amortized cost and fair value of securities available for sale at March 31, 2016, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 30,411 $ 30,453 Maturing after one year but within five years 74,249 74,472 Maturing after five years but within ten years 62,664 63,236 Maturing after ten years 69,240 69,021 236,564 237,182 U.S. agency residential mortgage-backed 196,017 197,379 U.S. agency commercial mortgage-backed 8,382 8,492 Private label residential mortgage-backed 18,569 18,375 Other asset backed 128,431 128,072 Total $ 587,963 $ 589,500
Gains and losses realized on sale of securities available for sale	A summary of proceeds from the sale of securities available for sale and gains and losses for the three month periods ending March 31, follows: Proceeds Realized Gains Losses (In thousands) 2016 $ 42,391 $ 226 $ 52 2015 11,786 75 -

Loans (Tables)

Loans (Tables)	3 Months Ended
	Mar. 31, 2016
Loans [Abstract]
Analysis of allowance for loan losses by portfolio segment	An analysis of the allowance for loan losses by portfolio segment for the three months ended March 31, follows: Commercial Mortgage Installment Payment Plan Receivables Subjective Allocation Total (In thousands) 2016 Balance at beginning of period $ 5,670 $ 10,391 $ 1,181 $ 56 $ 5,272 $ 22,570 Additions (deductions) Provision for loan losses (404 ) (279 ) 65 (3 ) 91 (530 ) Recoveries credited to allowance 356 382 221 - - 959 Loans charged against the allowance - (198 ) (306 ) - - (504 ) Balance at end of period $ 5,622 $ 10,296 $ 1,161 $ 53 $ 5,363 $ 22,495 2015 Balance at beginning of period $ 5,445 $ 13,444 $ 1,814 $ 64 $ 5,223 $ 25,990 Additions (deductions) Provision for loan losses 328 (733 ) (85 ) (2 ) (167 ) (659 ) Recoveries credited to allowance 433 238 319 - - 990 Loans charged against the allowance (290 ) (868 ) (484 ) - - (1,642 ) Balance at end of period $ 5,916 $ 12,081 $ 1,564 $ 62 $ 5,056 $ 24,679
Allowance for loan losses and recorded investment in loans by portfolio segment	Allowance for loan losses and recorded investment in loans by portfolio segment follows: Commercial Mortgage Installment Payment Plan Receivables Subjective Allocation Total (In thousands) March 31, 2016 Allowance for loan losses Individually evaluated for impairment $ 2,791 $ 7,651 $ 408 $ - $ - $ 10,850 Collectively evaluated for impairment 2,831 2,645 753 53 5,363 11,645 Total ending allowance balance $ 5,622 $ 10,296 $ 1,161 $ 53 $ 5,363 $ 22,495 Loans Individually evaluated for impairment $ 17,585 $ 64,899 $ 5,670 $ - $ 88,154 Collectively evaluated for impairment 754,908 441,354 226,789 32,305 1,455,356 Total loans recorded investment 772,493 506,253 232,459 32,305 1,543,510 Accrued interest included in recorded investment 1,607 2,249 672 - 4,528 Total loans $ 770,886 $ 504,004 $ 231,787 $ 32,305 $ 1,538,982 December 31, 2015 Allowance for loan losses Individually evaluated for impairment $ 2,708 $ 7,818 $ 457 $ - $ - $ 10,983 Collectively evaluated for impairment 2,962 2,573 724 56 5,272 11,587 Total ending allowance balance $ 5,670 $ 10,391 $ 1,181 $ 56 $ 5,272 $ 22,570 Loans Individually evaluated for impairment $ 16,868 $ 66,375 $ 5,888 $ - $ 89,131 Collectively evaluated for impairment 733,399 436,349 226,409 34,599 1,430,756 Total loans recorded investment 750,267 502,724 232,297 34,599 1,519,887 Accrued interest included in recorded investment 1,869 2,270 698 - 4,837 Total loans $ 748,398 $ 500,454 $ 231,599 $ 34,599 $ 1,515,050
Loans on non-accrual status and past due more than 90 days	Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow: 90+ and Still Accruing Non- Accrual Total Non- Performing Loans (In thousands) March 31, 2016 Commercial Income producing - real estate $ - $ 1,117 $ 1,117 Land, land development and construction - real estate - 168 168 Commercial and industrial 147 2,304 2,451 Mortgage 1-4 family - 4,795 4,795 Resort lending - 805 805 Home equity - 1st lien - 154 154 Home equity - 2nd lien - 268 268 Purchased loans 3 2 5 Installment Home equity - 1st lien - 79 79 Home equity - 2nd lien - 344 344 Loans not secured by real estate - 384 384 Other - 2 2 Payment plan receivables Full refund - 2 2 Partial refund - - - Other - 1 1 Total recorded investment $ 150 $ 10,425 $ 10,575 Accrued interest included in recorded investment $ 3 $ - $ 3 December 31, 2015 Commercial Income producing - real estate $ - $ 1,027 $ 1,027 Land, land development and construction - real estate 49 401 450 Commercial and industrial 69 2,028 2,097 Mortgage 1-4 family - 4,744 4,744 Resort lending - 1,094 1,094 Home equity - 1st lien - 187 187 Home equity - 2nd lien - 147 147 Purchased loans - 2 2 Installment Home equity - 1st lien - 106 106 Home equity - 2nd lien - 443 443 Loans not secured by real estate - 421 421 Other - 2 2 Payment plan receivables Full refund - 2 2 Partial refund - 2 2 Other - 1 1 Total recorded investment $ 118 $ 10,607 $ 10,725 Accrued interest included in recorded investment $ 2 $ - $ 2
Aging analysis of loans by class	An aging analysis of loans by class follows: Loans Past Due Loans not Total 30-59 days 60-89 days 90+ days Total Past Due Loans (In thousands) March 31, 2016 Commercial Income producing - real estate $ 337 $ - $ 776 $ 1,113 $ 310,604 $ 311,717 Land, land development and construction - real estate - - 168 168 40,795 40,963 Commercial and industrial 354 192 229 775 419,038 419,813 Mortgage 1-4 family 2,505 662 4,795 7,962 275,295 283,257 Resort lending 677 - 805 1,482 111,434 112,916 Home equity - 1st lien 66 - 154 220 26,024 26,244 Home equity - 2nd lien 235 287 268 790 51,620 52,410 Purchased loans 12 1 5 18 31,408 31,426 Installment Home equity - 1st lien 529 176 79 784 15,429 16,213 Home equity - 2nd lien 215 133 344 692 18,367 19,059 Loans not secured by real estate 386 108 384 878 194,202 195,080 Other 3 11 2 16 2,091 2,107 Payment plan receivables Full refund 408 65 2 475 17,609 18,084 Partial refund 303 61 - 364 6,197 6,561 Other 154 3 1 158 7,502 7,660 Total recorded investment $ 6,184 $ 1,699 $ 8,012 $ 15,895 $ 1,527,615 $ 1,543,510 Accrued interest included in recorded investment $ 56 $ 21 $ 3 $ 80 $ 4,448 $ 4,528 December 31, 2015 Commercial Income producing - real estate $ 203 $ 209 $ 647 $ 1,059 $ 305,155 $ 306,214 Land, land development and construction - real estate - - 252 252 44,231 44,483 Commercial and industrial 785 16 151 952 398,618 399,570 Mortgage 1-4 family 1,943 640 4,744 7,327 272,298 279,625 Resort lending 307 - 1,094 1,401 114,619 116,020 Home equity - 1st lien 50 - 187 237 22,327 22,564 Home equity - 2nd lien 439 54 147 640 50,618 51,258 Purchased loans 9 1 2 12 33,245 33,257 Installment Home equity - 1st lien 315 107 106 528 16,707 17,235 Home equity - 2nd lien 231 149 443 823 19,727 20,550 Loans not secured by real estate 567 83 421 1,071 191,262 192,333 Other 15 3 2 20 2,159 2,179 Payment plan receivables Full refund 492 62 2 556 21,294 21,850 Partial refund 415 228 2 645 5,834 6,479 Other 110 3 1 114 6,156 6,270 Total recorded investment $ 5,881 $ 1,555 $ 8,201 $ 15,637 $ 1,504,250 $ 1,519,887 Accrued interest included in recorded investment $ 53 $ 17 $ 2 $ 72 $ 4,765 $ 4,837
Impaired loans	Impaired loans are as follows : March 31, 2016 December 31, 2015 Impaired loans with no allocated allowance (In thousands) TDR $ 2,368 $ 2,518 Non - TDR 168 203 Impaired loans with an allocated allowance TDR - allowance based on collateral 4,683 4,810 TDR - allowance based on present value cash flow 80,009 81,002 Non - TDR - allowance based on collateral 623 260 Non - TDR - allowance based on present value cash flow - - Total impaired loans $ 87,851 $ 88,793 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 2,531 $ 2,436 TDR - allowance based on present value cash flow 8,135 8,471 Non - TDR - allowance based on collateral 184 76 Non - TDR - allowance based on present value cash flow - - Total amount of allowance for loan losses allocated $ 10,850 $ 10,983 Impaired loans by class are as follows (1): March 31, 2016 December 31, 2015 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 785 $ 1,030 $ - $ 641 $ 851 $ - Land, land development & construction-real estate 537 1,112 - 818 1,393 - Commercial and industrial 1,218 1,216 - 1,245 1,241 - Mortgage 1-4 family - 140 - 23 183 - Resort lending - - - - - - Home equity - 1st lien - - - - - - Home equity - 2nd lien - - - - - - Installment Home equity - 1st lien 1 75 - - 76 - Home equity - 2nd lien 14 13 - - - - Loans not secured by real estate - - - - - - Other - - - - - - 2,555 3,586 - 2,727 3,744 - With an allowance recorded: Commercial Income producing - real estate 8,234 9,061 548 8,377 9,232 516 Land, land development & construction-real estate 1,484 1,484 95 1,690 1,778 296 Commercial and industrial 5,327 5,592 2,148 4,097 4,439 1,896 Mortgage 1-4 family 46,608 48,532 4,976 47,792 49,808 5,132 Resort lending 17,929 17,963 2,654 18,148 18,319 2,662 Home equity - 1st lien 243 247 12 168 172 9 Home equity - 2nd lien 119 201 9 244 325 15 Installment Home equity - 1st lien 2,287 2,421 130 2,364 2,492 143 Home equity - 2nd lien 2,793 2,807 239 2,929 2,951 271 Loans not secured by real estate 569 641 38 587 658 42 Other 6 6 1 8 8 1 85,599 88,955 10,850 86,404 90,182 10,983 Total Commercial Income producing - real estate 9,019 10,091 548 9,018 10,083 516 Land, land development & construction-real estate 2,021 2,596 95 2,508 3,171 296 Commercial and industrial 6,545 6,808 2,148 5,342 5,680 1,896 Mortgage 1-4 family 46,608 48,672 4,976 47,815 49,991 5,132 Resort lending 17,929 17,963 2,654 18,148 18,319 2,662 Home equity - 1st lien 243 247 12 168 172 9 Home equity - 2nd lien 119 201 9 244 325 15 Installment Home equity - 1st lien 2,288 2,496 130 2,364 2,568 143 Home equity - 2nd lien 2,807 2,820 239 2,929 2,951 271 Loans not secured by real estate 569 641 38 587 658 42 Other 6 6 1 8 8 1 Total $ 88,154 $ 92,541 $ 10,850 $ 89,131 $ 93,926 $ 10,983 Accrued interest included in recorded investment $ 303 $ 338 (1) There were no impaired payment plan receivables or purchased mortgage loans at March 31, 2016 or December 31, 2015.
Average recorded investment in and interest income earned on impaired loans by class	Average recorded investment in and interest income earned on impaired loans by class for the three month periods ending March 31, follows (1): 2016 2015 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 713 $ 2 $ 5,848 $ 53 Land, land development & construction-real estate 678 7 1,041 34 Commercial and industrial 1,232 21 2,768 37 Mortgage 1-4 family 12 1 13 - Resort lending - - 31 - Home equity line of credit - 1st lien - - - - Home equity line of credit - 2nd lien - - - - Installment Home equity installment - 1st lien 1 1 - - Home equity installment - 2nd lien 7 - - - Loans not secured by real estate - - - - Other - - - - 2,643 32 9,701 124 With an allowance recorded: Commercial Income producing - real estate 8,306 107 12,849 157 Land, land development & construction-real estate 1,587 13 2,709 14 Commercial and industrial 4,712 23 8,177 66 Mortgage 1-4 family 47,200 502 52,451 551 Resort lending 18,039 160 18,632 171 Home equity line of credit - 1st lien 206 2 162 2 Home equity line of credit - 2nd lien 182 1 123 2 Installment Home equity installment - 1st lien 2,326 42 2,691 50 Home equity installment - 2nd lien 2,861 44 3,174 51 Loans not secured by real estate 578 9 694 10 Other 7 - 12 - 86,004 903 101,674 1,074 Total Commercial Income producing - real estate 9,019 109 18,697 210 Land, land development & construction-real estate 2,265 20 3,750 48 Commercial and industrial 5,944 44 10,945 103 Mortgage 1-4 family 47,212 503 52,464 551 Resort lending 18,039 160 18,663 171 Home equity line of credit - 1st lien 206 2 162 2 Home equity line of credit - 2nd lien 182 1 123 2 Installment Home equity installment - 1st lien 2,327 43 2,691 50 Home equity installment - 2nd lien 2,868 44 3,174 51 Loans not secured by real estate 578 9 694 10 Other 7 - 12 - Total $ 88,647 $ 935 $ 111,375 $ 1,198 (1) There were no impaired payment plan receivables or purchased mortgage loans during the three month periods ended March 31, 2016 and 2015, respectively.
Troubled debt restructurings	Troubled debt restructurings follow: March 31, 2016 Commercial Retail Total (In thousands) Performing TDRs $ 13,950 $ 66,619 $ 80,569 Non-performing TDRs(1) 2,798 3,693 (2) 6,491 Total $ 16,748 $ 70,312 $ 87,060 December 31, 2015 Commercial Retail Total (In thousands) Performing TDRs $ 13,318 $ 68,194 $ 81,512 Non-performing TDRs(1) 3,041 3,777 (2) 6,818 Total $ 16,359 $ 71,971 $ 88,330 (1) Included in non-performing loans table above. (2) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.
Troubled debt restructuring during the period	Loans that have been classified as troubled debt restructurings during the three-month periods ended March 31 follow: Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance (Dollars in thousands) 2016 Commercial Income producing - real estate 2 $ 110 $ 110 Land, land development & construction-real estate - - - Commercial and industrial 4 1,758 1,758 Mortgage 1-4 family 2 83 153 Resort lending 1 116 117 Home equity - 1st lien 1 107 78 Home equity - 2nd lien - - - Installment Home equity - 1st lien 1 30 31 Home equity - 2nd lien 2 55 56 Loans not secured by real estate - - - Other - - - Total 13 $ 2,259 $ 2,303 2015 Commercial Income producing - real estate 1 $ 156 $ 164 Land, land development & construction-real estate - - - Commercial and industrial 2 236 234 Mortgage 1-4 family 5 1,005 805 Resort lending - - - Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 4 167 140 Home equity - 2nd lien - - - Loans not secured by real estate - - - Other - - - Total 12 $ 1,564 $ 1,343
Troubled debt restructuring during the past twelve months that subsequently defaulted	Loans that have been classified as troubled debt restructurings during the past twelve months and that have subsequently defaulted during the three-month periods ended March 31 follow: Number of Contracts Recorded Balance (Dollars in thousands) 2016 Commercial Income producing - real estate - $ - Land, land development & construction-real estate - - Commercial and industrial - - Mortgage 1-4 family - - Resort lending - - Home equity - 1st lien - - Home equity - 2nd lien - - Installment Home equity - 1st lien - - Home equity - 2nd lien - - Loans not secured by real estate - - Other - - - $ - 2015 Commercial Income producing - real estate - $ - Land, land development & construction-real estate - - Commercial and industrial 1 91 Mortgage 1-4 family - - Resort lending - - Home equity - 1st lien - - Home equity - 2nd lien - - Installment Home equity - 1st lien - - Home equity - 2nd lien - - Loans not secured by real estate - - Other - - 1 $ 91
Summary of loan ratings by loan class	The following table summarizes loan ratings by loan class for our commercial loan segment: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) March 31, 2016 Income producing - real estate $ 303,195 $ 6,367 $ 1,038 $ 1,117 $ 311,717 Land, land development and construction - real estate 39,120 1,675 - 168 40,963 Commercial and industrial 391,207 20,687 5,615 2,304 419,813 Total $ 733,522 $ 28,729 $ 6,653 $ 3,589 $ 772,493 Accrued interest included in total $ 1,507 $ 82 $ 18 $ - $ 1,607 December 31, 2015 Income producing - real estate $ 296,898 $ 6,866 $ 1,423 $ 1,027 $ 306,214 Land, land development and construction - real estate 40,844 2,995 243 401 44,483 Commercial and industrial 371,357 19,502 6,683 2,028 399,570 Total $ 709,099 $ 29,363 $ 8,349 $ 3,456 $ 750,267 Accrued interest included in total $ 1,729 $ 108 $ 32 $ - $ 1,869 The following tables summarize credit scores by loan class for our mortgage and installment loan segments: Mortgage (1) 1-4 Family Resort Lending Home Equity 1st Lien Home Equity 2nd Lien Purchased Loans Total (In thousands) March 31, 2016 800 and above $ 29,357 $ 13,694 $ 4,206 $ 7,409 $ 2,298 $ 56,964 750-799 84,315 39,748 10,292 18,190 20,775 173,320 700-749 54,911 31,331 4,601 11,796 6,901 109,540 650-699 51,725 16,538 3,696 7,501 - 79,460 600-649 27,962 4,934 1,447 3,720 - 38,063 550-599 16,128 3,052 1,022 1,887 - 22,089 500-549 10,348 985 561 1,261 - 13,155 Under 500 4,570 548 223 252 - 5,593 Unknown 3,941 2,086 196 394 1,452 8,069 Total $ 283,257 $ 112,916 $ 26,244 $ 52,410 $ 31,426 $ 506,253 Accrued interest included in total $ 1,368 $ 489 $ 93 $ 195 $ 104 $ 2,249 December 31, 2015 800 and above $ 28,760 $ 13,943 $ 4,374 $ 7,696 $ 2,310 $ 57,083 750-799 78,802 40,888 7,137 17,405 23,283 167,515 700-749 56,519 31,980 4,341 11,022 6,940 110,802 650-699 51,813 17,433 3,203 7,691 - 80,140 600-649 27,966 4,991 1,467 3,684 - 38,108 550-599 16,714 3,070 1,027 1,918 - 22,729 500-549 10,610 1,051 572 1,295 - 13,528 Under 500 4,708 554 244 265 - 5,771 Unknown 3,733 2,110 199 282 724 7,048 Total $ 279,625 $ 116,020 $ 22,564 $ 51,258 $ 33,257 $ 502,724 Accrued interest included in total $ 1,396 $ 477 $ 87 $ 196 $ 114 $ 2,270 (1) Credit scores have been updated within the last twelve months. Installment(1) Home Equity 1st Lien Home Equity 2nd Lien Loans not Secured by Real Estate Other Total (In thousands) March 31, 2016 800 and above $ 1,638 $ 1,678 $ 43,330 $ 91 $ 46,737 750-799 3,850 5,552 89,742 522 99,666 700-749 2,375 3,591 35,628 633 42,227 650-699 3,308 3,761 16,394 459 23,922 600-649 2,032 2,068 4,663 202 8,965 550-599 1,741 1,296 1,825 105 4,967 500-549 1,000 804 1,068 55 2,927 Under 500 211 280 297 23 811 Unknown 58 29 2,133 17 2,237 Total $ 16,213 $ 19,059 $ 195,080 $ 2,107 $ 232,459 Accrued interest included in total $ 69 $ 73 $ 514 $ 16 $ 672 December 31, 2015 800 and above $ 1,792 $ 1,782 $ 44,254 $ 58 $ 47,886 750-799 4,117 5,931 86,800 531 97,379 700-749 2,507 3,899 34,789 694 41,889 650-699 3,508 4,182 16,456 499 24,645 600-649 2,173 2,153 4,979 200 9,505 550-599 1,800 1,346 1,997 109 5,252 500-549 1,056 855 1,170 61 3,142 Under 500 223 370 385 23 1,001 Unknown 59 32 1,503 4 1,598 Total $ 17,235 $ 20,550 $ 192,333 $ 2,179 $ 232,297 Accrued interest included in total $ 78 $ 83 $ 520 $ 17 $ 698 (1) Credit scores have been updated within the last twelve months. The following table summarizes credit ratings of insurer or risk retention group counterparties by class of payment plan receivable: Payment Plan Receivables Full Refund Partial Refund Other Total (In thousands) March 31, 2016 AM Best rating A+ $ - $ 11 $ - $ 11 A 1,845 5,285 - 7,130 A- 2,576 1,208 7,658 11,442 Not rated 13,663 57 2 13,722 Total $ 18,084 $ 6,561 $ 7,660 $ 32,305 December 31, 2015 AM Best rating A+ $ - $ 6 $ - $ 6 A 2,712 5,203 - 7,915 A- 3,418 1,177 6,265 10,860 Not rated 15,720 93 5 15,818 Total $ 21,850 $ 6,479 $ 6,270 $ 34,599

Segments (Tables)

Segments (Tables)	3 Months Ended
	Mar. 31, 2016
Segments [Abstract]
Summary of selected financial information for reportable segments	A summary of selected financial information for our reportable segments follows: IB Mepco Other(1) Elimination(2) Total (In thousands) Total assets March 31, 2016 $ 2,425,152 $ 50,515 $ 275,315 $ (263,862 ) $ 2,487,120 December 31, 2015 2,340,566 57,208 286,936 (275,644 ) 2,409,066 For the three months ended March 31, 2016 Interest income $ 20,243 $ 1,110 $ 5 $ (4 ) $ 21,354 Net interest income 19,102 932 (271 ) - 19,763 Provision for loan losses (526 ) (4 ) - - (530 ) Income (loss) before income tax 6,862 (359 ) (423 ) (23 ) 6,057 Net income (loss) 4,619 (237 ) (267 ) (15 ) 4,100 2015 Interest income $ 18,221 $ 1,331 $ 20 $ (20 ) $ 19,552 Net interest income 17,183 1,135 (227 ) - 18,091 Provision for loan losses (656 ) (3 ) - - (659 ) Income (loss) before income tax 6,259 (291 ) (383 ) (24 ) 5,561 Net income (loss) 4,233 (192 ) (244 ) (16 ) 3,781 (1) Includes amounts relating to our parent company. (2) Includes parent company's investment in subsidiaries and cash balances maintained at subsidiary.

Shareholders' Equity and Earn27

Shareholders' Equity and Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2016
Shareholders' Equity and Earnings Per Common Share [Abstract]
Reconciliation of basic and diluted net income per share	A reconciliation of basic and diluted net income per common share follows: Three Months Ended March 31, 2016 2015 Net income $ 4,100 $ 3,781 Weighted average shares outstanding (1) 21,751 22,997 Stock units for deferred compensation plan for non-employee directors 113 111 Effect of stock options 112 121 Restricted stock units 86 309 Weighted average shares outstanding for calculation of diluted earnings per share 22,062 23,538 Net income per common share Basic (1) $ 0.19 $ 0.16 Diluted $ 0.19 $ 0.16 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume28

Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2016
Derivative Financial Instruments [Abstract]
Derivative financial instruments according to type of hedge designation	Our derivative financial instruments according to the type of hedge in which they are designated follows: March 31, 2016 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 23,854 0.1 $ 769 Mandatory commitments to sell mortgage loans 50,127 0.1 (137 ) Pay-fixed interest rate swap agreements 42,933 9.5 (1,615 ) Pay-variable interest rate swap agreements 42,933 9.5 1,615 Purchased options 2,803 5.3 200 Written options 2,803 5.3 (200 ) Total $ 165,453 5.2 $ 632 December 31, 2015 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 20,581 0.1 $ 550 Mandatory commitments to sell mortgage loans 46,320 0.1 69 Pay-fixed interest rate swap agreements 27,587 8.0 (497 ) Pay-variable interest rate swap agreements 27,587 8.0 497 Purchased options 2,098 5.7 122 Written options 2,098 5.7 (122 ) Total $ 126,271 3.7 $ 619
Fair value of derivative instruments	Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives March 31, 2016 December 31, 2015 March 31, 2016 December 31, 2015 Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value Balance Sheet Location Fair Value (In thousands) Derivatives not designated as hedging instruments Rate-lock mortgage loan commitments Other assets $ 769 Other assets $ 550 Other liabilities $ - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets 69 Other liabilities 137 Other liabilities - Pay-fixed interest rate swap agreements Other assets - Other assets - Other liabilities 1,615 Other liabilities 497 Pay-variable interest rateswap agreements Other assets 1,615 Other assets 497 Other liabilities - Other liabilities - Purchased options Other assets 200 Other assets 122 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 200 Other liabilities 122 Total derivatives $ 2,584 $ 1,238 $ 1,952 $ 619
Effect of derivative financial instruments on condensed consolidated statement of operation	The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Three Month Periods Ended March 31, Location of Gain (Loss) Gain (Loss) Recognized in Income Recognized in Income 2016 2015 (In thousands) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 219 $ 388 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (206 ) (39 ) Pay-fixed interest rate swap agreements Interest income (1,118 ) (261 ) Pay-variable interest rate swap agreements Interest income 1,118 261 Purchased options Interest expense 78 - Written options Interest expense (78 ) - Total $ 13 $ 349

Intangible Assets (Tables)

Intangible Assets (Tables)	3 Months Ended
	Mar. 31, 2016
Intangible Assets [Abstract]
Other intangible assets, net of amortization	The following table summarizes intangible assets, net of amortization: March 31, 2016 December 31, 2015 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 6,118 $ 3,925 $ 6,118 $ 3,838
Estimated amortization of other intangible assets	Amortization of other intangibles has been estimated through 2021 and thereafter in the following table. (In thousands) Nine months ending December 31, 2016 $ 260 2017 346 2018 346 2019 346 2020 346 2021 and thereafter 549 Total $ 2,193

Share Based Compensation (Table

Share Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2016
Share Based Compensation [Abstract]
Summary of outstanding stock option grants and transactions	A summary of outstanding stock option grants and related transactions follows: Number of Shares Average Exercise Price Weighted- Average Remaining Contractual Term (Years) Aggregated Intrinsic Value (In thousands) Outstanding at January 1, 2016 235,596 $ 4.94 Granted - Exercised (10,216 ) 3.18 Forfeited (498 ) 6.42 Expired - Outstanding at March 31, 2016 224,882 $ 5.01 5.84 $ 2,180 Vested and expected to vest at March 31, 2016 224,631 $ 5.01 5.84 $ 2,178 Exercisable at March 31, 2016 202,938 $ 4.86 5.69 $ 2,002
Summary of non-vested restricted stock, restricted stock units and PSU's	A summary of outstanding non-vested restricted stock, restricted stock units and PSUs and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2016 261,981 $ 11.29 Granted 96,191 14.39 Vested (21,225 ) 12.78 Forfeited (1,398 ) 12.70 Outstanding at March 31, 2016 335,549 $ 12.08
Information regarding options exercised	Certain information regarding options exercised during the periods follows: Three Months Ended March 31, 2016 2015 Intrinsic value $ 117 $ 56 Cash proceeds received $ 32 $ 15 Tax benefit realized $ 41 $ 20

Regulatory Matters (Tables)

Regulatory Matters (Tables)	3 Months Ended
	Mar. 31, 2016
Regulatory Matters [Abstract]
Actual capital amounts and ratios	Our actual capital amounts and ratios follow: Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) March 31, 2016 Total capital to risk-weighted assets Consolidated $ 268,031 15.81 % $ 135,651 8.00 % NA NA Independent Bank 251,157 14.83 135,503 8.00 $ 169,379 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 246,688 14.55 % $ 101,738 6.00 % NA NA Independent Bank 229,884 13.57 101,628 6.00 $ 135,503 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 222,205 13.10 % $ 76,304 4.50 % NA NA Independent Bank 229,884 13.57 76,221 4.50 $ 110,097 6.50 % Tier 1 capital to average assets Consolidated $ 246,688 10.31 % $ 95,713 4.00 % NA NA Independent Bank 229,884 9.61 95,647 4.00 $ 119,559 5.00 % December 31, 2015 Total capital to risk-weighted assets Consolidated $ 278,170 16.65 % $ 133,668 8.00 % NA NA Independent Bank 261,894 15.69 133,514 8.00 $ 166,893 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 257,050 15.38 % $ 100,251 6.00 % NA NA Independent Bank 240,867 14.43 100,136 6.00 $ 133,514 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 239,271 14.32 % $ 75,188 4.50 % NA NA Independent Bank 240,867 14.43 75,102 4.50 $ 108,480 6.50 % Tier 1 capital to average assets Consolidated $ 257,050 10.91 % $ 94,217 4.00 % NA NA Independent Bank 240,867 10.23 94,145 4.00 $ 117,682 5.00 % NA - Not applicable
Components of regulatory capital	The components of our regulatory capital are as follows: Consolidated Independent Bank March 31, 2016 December 31, 2015 March 31, 2016 December 31, 2015 (In thousands) Total shareholders' equity $ 239,545 $ 251,092 $ 247,567 $ 259,947 Add (deduct) Accumulated other comprehensive (income) loss for regulatory purposes (999 ) 238 (999 ) 238 Intangible assets (1,316 ) (912 ) (1,316 ) (912 ) Disallowed deferred tax assets (15,025 ) (11,147 ) (15,368 ) (18,406 ) Common equity tier 1 capital 222,205 239,271 229,884 240,867 Qualifying trust preferred securities 34,500 34,500 - - Disallowed deferred tax assets (10,017 ) (16,721 ) - - Tier 1 capital 246,688 257,050 229,884 240,867 Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 21,343 21,120 21,273 21,027 Total risk-based capital $ 268,031 $ 278,170 $ 251,157 $ 261,894

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	3 Months Ended
	Mar. 31, 2016
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value	Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2016: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 136 $ 136 $ - $ - Securities available for sale U.S. agency 35,385 - 35,385 - U.S. agency residential mortgage-backed 197,379 - 197,379 - U.S. agency commercial mortgage-backed 8,492 - 8,492 - Private label mortgage-backed 18,375 - 18,375 - Other asset backed 128,072 - 128,072 - Obligations of states and political subdivisions 148,345 - 148,345 - Corporate 49,510 - 49,510 - Trust preferred 2,303 - 2,303 - Foreign government 1,639 - 1,639 - Loans held for sale 28,016 - 28,016 - Derivatives (1) 2,584 - 2,584 - Liabilities Derivatives (2) 1,952 - 1,952 - Measured at Fair Value on a Non-recurring basis: Assets Capitalized mortgage loan servicing rights (3) 10,454 - - 10,454 Impaired loans (4) Commercial Income producing - real estate 605 - - 605 Land, land development & construction-real estate 35 - - 35 Commercial and industrial 1,166 - - 1,166 Mortgage 1-4 Family 540 - - 540 Resort Lending 245 - - 245 Other real estate (5) Commercial Land, land development & construction-real estate 549 - - 549 Mortgage 1-4 Family 66 - - 66 Resort lending 93 - - 93 Home equity - 1st lien 18 18 Installment Home equity - 1st lien 23 - - 23 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance. (4) Only includes impaired loans with specific loss allocations based on collateral value. (5) Only includes other real estate with subsequent write downs to fair value. Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) December 31, 2015: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 148 $ 148 $ - $ - Securities available for sale U.S. agency 47,512 - 47,512 - U.S. agency residential mortgage-backed 196,056 - 196,056 - U.S. agency commercial mortgage-backed 34,028 - 34,028 - Private label mortgage-backed 4,903 - 4,903 - Other asset backed 116,904 - 116,904 - Obligations of states and political subdivisions 144,984 - 144,984 - Corporate 38,614 - 38,614 - Trust preferred 2,483 - 2,483 - Loans held for sale 27,866 - 27,866 - Derivatives (1) 1,238 - 1,238 - Liabilities Derivatives (2) 619 - 619 - Measured at Fair Value on a Non-recurring basis: Assets Capitalized mortgage loan servicing rights (3) 8,481 - - 8,481 Impaired loans (4) Commercial Income producing - real estate 711 - - 711 Land, land development & construction-real estate 40 - - 40 Commercial and industrial 1,257 - - 1,257 Mortgage 1-4 Family 421 - - 421 Resort lending 129 - - 129 Other real estate (5) Commercial Land, land development & construction-real estate 639 - - 639 Commercial and industrial 165 - - 165 Mortgage 1-4 Family 26 - - 26 Resort lending 107 - - 107 Home equity - 1st lien 14 - - 14 Installment Home equity - 1st lien 36 - - 36 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance. (4) Only includes impaired loans with specific loss allocations based on collateral value. (5) Only includes other real estate with subsequent write downs to fair value.
Changes in fair value for financial assets	Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the three-Month Periods Ended March 31 for Items Measured at Fair Value Pursuant to Election of the Fair Value Option 2016 2015 Net Gains (Losses) on Assets Total Change in Fair Values Included in Current Period Net Gains (Losses) on Assets Total Change in Fair Values Included in Current Period Securities Loans Earnings Securities Loans Earnings (In thousands) Trading securities $ (12 ) $ - $ (12 ) $ 10 $ - $ 10 Loans held for sale - 127 127 - 209 209
Quantitative information about Level 3 fair value measurements measured on a non-recurring basis	Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Weighted Average (In thousands) March 31, 2016 Capitalized mortgage loan servicing rights $ 10,454 Present value of net servicing revenue Discount rate 10.04 % Cost to service $ 80 Ancillary income 24 Float rate 1.17 % Impaired loans Commercial (1) 1,601 Sales comparison approach Adjustment for differences between comparable sales (1.2 )% Mortgage 785 Sales comparison approach Adjustment for differences between comparable sales 2.2 Other real estate Commercial 549 Sales comparison approach Adjustment for differences between comparable sales (5.6 ) Mortgage and installment 200 Sales comparison approach Adjustment for differences between comparable sales 58.5 December 31, 2015 Capitalized mortgage loan servicing rights $ 8,481 Present value of net servicing revenue Discount rate 10.04 % Cost to service $ 80 Ancillary income 24 Float rate 1.73 % Impaired loans Commercial (1) 1,605 Sales comparison approach Adjustment for differences between comparable sales (2.1 )% Income approach Capitalization rate 9.3 Mortgage 550 Sales comparison approach Adjustment for differences between comparable sales 0.7 Other real estate Commercial 804 Sales comparison approach Adjustment for differences between comparable sales (3.9 ) Mortgage and installment 183 Sales comparison approach Adjustment for differences between comparable sales 75.6 (1) In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2016 and December 31, 2015, we had an impaired collateral dependent commercial relationship that totaled $0.2 million and $0.4 million, respectively that was primarily secured by collateral other than real estate. Collateral securing this relationship primarily included machinery and equipment and inventory at March 31, 2016 and December 31, 2015. Valuation techniques at March 31, 2016 and December 31, 2015, included appraisals and discounting restructuring firm valuations based on estimates of value recovery of each particular asset type. Discount rates used ranged from 0% to 100% of stated values.
Aggregate fair value and aggregate remaining contractual principal balance for loans held for sale	The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale March 31, 2016 $ 28,016 $ 841 $ 27,175 December 31, 2015 27,866 714 27,152

Fair Values of Financial Inst33

Fair Values of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2016
Fair Values of Financial Instruments [Abstract]
Estimated recorded book balances and fair values	The estimated recorded book balances and fair values follow: Fair Value Using Recorded Book Balance Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2016 Assets Cash and due from banks $ 41,790 $ 41,790 $ 41,790 $ - $ - Interest bearing deposits 102,919 102,919 102,919 - - Interest bearing deposits - time 10,178 10,214 - 10,214 - Trading securities 136 136 136 - - Securities available for sale 589,500 589,500 - 589,500 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,600 NA NA NA NA Net loans and loans held for sale 1,544,503 1,513,641 - 28,016 1,485,625 Accrued interest receivable 6,855 6,855 - 2,300 4,555 Derivative financial instruments 2,584 2,584 - 2,584 - Liabilities Deposits with no stated maturity (1) $ 1,704,515 $ 1,704,515 $ 1,704,515 $ - $ - Deposits with stated maturity (1) 450,191 449,221 - 449,221 - Other borrowings 11,953 13,425 - 13,425 - Subordinated debentures 35,569 22,526 - 22,526 - Accrued interest payable 562 562 21 541 - Derivative financial instruments 1,952 1,952 - 1,952 - December 31, 2015 Assets Cash and due from banks $ 54,260 $ 54,260 $ 54,260 $ - $ - Interest bearing deposits 31,523 31,523 31,523 - - Interest bearing deposits - time 11,866 11,858 - 11,858 - Trading securities 148 148 148 - - Securities available for sale 585,484 585,484 - 585,484 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,471 NA NA NA NA Net loans and loans held for sale 1,520,346 1,472,613 - 27,866 1,444,747 Accrued interest receivable 6,565 6,565 5 1,969 4,591 Derivative financial instruments 1,238 1,238 - 1,238 - Liabilities Deposits with no stated maturity (1) $ 1,659,743 $ 1,659,743 $ 1,659,743 $ - $ - Deposits with stated maturity (1) 426,220 423,776 - 423,776 - Other borrowings 11,954 13,448 - 13,448 - Subordinated debentures 35,569 23,069 - 23,069 - Accrued interest payable 466 466 21 445 - Derivative financial instruments 619 619 - 619 - (1) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $14.2 million and $11.8 million at March 31, 2016 and December 31, 2015, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $36.1 million and $38.4 million at March 31, 2016 and December 31, 2015, respectively.

Accumulated Other Comprehensi34

Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
	Mar. 31, 2016
Accumulated Other Comprehensive Loss ("AOCL") [Abstract]
Schedule of accumulated other comprehensive loss (AOCL), net of tax	15. Accumulated Other Comprehensive Loss (“AOCL”) A summary of changes in AOCL follows: Unrealized Gains (Losses) on Available for Sale Securities Dispropor- tionate Tax Effects from Securities Available for Sale Total For the three months ended March 31, 2016 Balances at beginning of period $ (238 ) $ (5,798 ) $ (6,036 ) Other comprehensive income before reclassifications 1,349 - 1,349 Amounts reclassified from AOCL (112 ) - (112 ) Net current period other comprehensive income 1,237 - 1,237 Balances at end of period $ 999 $ (5,798 ) $ (4,799 ) 2015 Balances at beginning of period $ 162 $ (5,798 ) $ (5,636 ) Other comprehensive income before reclassifications 1,483 - 1,483 Amounts reclassified from AOCL (49 ) - (49 ) Net current period other comprehensive income 1,434 - 1,434 Balances at end of period $ 1,596 $ (5,798 ) $ (4,202 )
Summary of reclassifications out of each component of AOCL	A summary of reclassifications out of each component of AOCL for the three months ended March 31 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2016 Unrealized losses on securities available for sale $ 174 Net gains on securities - Net impairment loss recognized in earnings 174 Total reclassifications before tax 62 Income tax expense $ 112 Reclassifications, net of tax 2015 Unrealized losses on securities available for sale $ 75 Net gains on securities - Net impairment loss recognized in earnings 75 Total reclassifications before tax 26 Income tax expense $ 49 Reclassifications, net of tax

Securities (Details)

Securities (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2016USD ($)Security	Mar. 31, 2015USD ($)	Dec. 31, 2015USD ($)Security
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 587,963		$ 585,851
Unrealized Gains	4,262		3,152
Unrealized Losses	2,725		3,519
Fair Value	589,500		585,484
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	176,042		272,152
Less Than Twelve Months, Unrealized Losses	953		1,744
Twelve Months or More, Fair Value	48,815		55,638
Twelve Months or More, Unrealized Losses	1,772		1,775
Total, Fair Value	224,857		327,790
Total, Unrealized Losses	2,725		3,519
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	2,871
Amortized cost	2,763
Non-credit unrealized loss	29
Unrealized gain	137
Cumulative credit related OTTI	1,594
OTTI changes recorded in earnings	0	$ 0
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Balance at beginning of period	1,844	1,844	1,844
Additions to credit losses on securities for which no previous OTTI was recognized	0	0
Increases to credit losses on securities for which OTTI was previously recognized	0	0
Balance at end of period	1,844	1,844	1,844
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Maturing within one year	30,411
Maturing after one year but within five years	74,249
Maturing after five years but within ten years	62,664
Maturing after ten years	69,240
Available-for-sale securities, debt maturities, amortized cost basis	236,564
U.S. agency residential mortgage-backed	196,017
U.S. agency commercial mortgage-backed	8,382
Private label residential mortgage-backed	18,569
Other asset backed	128,431
Total	587,963
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Maturing within one year	30,453
Maturing after one year but within five years	74,472
Maturing after five years but within ten years	63,236
Maturing after ten years	69,021
Total available-for-sale securities fair value	237,182
U.S. agency residential mortgage-backed	197,379
U.S. agency commercial mortgage-backed	8,492
Private label residential mortgage-backed	18,375
Other asset backed	128,072
Total	589,500
Gain and losses realized on sale of securities available for sale [Abstract]
Proceeds	42,391	11,786
Realized gains	226	75
Realized losses	52	0
Trading securities, realized gains (losses)	(12)	10
Credit related OTTI recognized in earnings	0	0
U.S. Agency [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	35,016		47,283
Unrealized Gains	431		309
Unrealized Losses	62		80
Fair Value	35,385		47,512
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	7,168		12,164
Less Than Twelve Months, Unrealized Losses	20		47
Twelve Months or More, Fair Value	6,360		6,746
Twelve Months or More, Unrealized Losses	42		33
Total, Fair Value	13,528		18,910
Total, Unrealized Losses	$ 62		80
Number of securities with market fair value less than amortized cost | Security	30
U.S. Agency Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 196,017		195,055
Unrealized Gains	1,635		1,584
Unrealized Losses	273		583
Fair Value	197,379		196,056
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	26,856		57,538
Less Than Twelve Months, Unrealized Losses	130		316
Twelve Months or More, Fair Value	16,325		23,340
Twelve Months or More, Unrealized Losses	143		267
Total, Fair Value	43,181		80,878
Total, Unrealized Losses	$ 273		583
Number of securities with market fair value less than amortized cost | Security	66
U.S. Agency Commercial Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 8,382		34,017
Unrealized Gains	112		94
Unrealized Losses	2		83
Fair Value	8,492		34,028
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	1,236		16,747
Less Than Twelve Months, Unrealized Losses	1		60
Twelve Months or More, Fair Value	202		2,247
Twelve Months or More, Unrealized Losses	1		23
Total, Fair Value	1,438		18,994
Total, Unrealized Losses	$ 2		83
Number of securities with market fair value less than amortized cost | Security	5
Private Label Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 18,569		5,061
Unrealized Gains	154		161
Unrealized Losses	348		319
Fair Value	18,375		4,903
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	5,645		0
Less Than Twelve Months, Unrealized Losses	17		0
Twelve Months or More, Fair Value	3,093		3,393
Twelve Months or More, Unrealized Losses	331		319
Total, Fair Value	8,738		3,393
Total, Unrealized Losses	$ 348		$ 319
Number of securities with market fair value less than amortized cost | Security	11
Number of securities purchased prior to 2016 | Security			5
Number of securities with impairment in excess of ten percent | Security	2
Percentage of excess impairment on securities	10.00%
Number of securities with impairment for more than 12 months | Security	4
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Number of private label mortgage backed securities complete recovery of cost basis | Security	4
Number of private label mortgage backed securities with OTTI unrealized gains | Security	2
Number of private label mortgage backed securities with OTTI unrealized loss | Security	1
Number of private label mortgage backed securities currently below investment grade with OTTI unrealized loss less than previous OTTI credit | Security	2
Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	$ 1,546
Amortized cost	1,575
Non-credit unrealized loss	29
Unrealized gain	0
Cumulative credit related OTTI	757
OTTI changes recorded in earnings	0	0
Super Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	1,250
Amortized cost	1,188
Non-credit unrealized loss	0
Unrealized gain	62
Cumulative credit related OTTI	457
OTTI changes recorded in earnings	0	0
Senior Support Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	75
Amortized cost	0
Non-credit unrealized loss	0
Unrealized gain	75
Cumulative credit related OTTI	380
OTTI changes recorded in earnings	0	$ 0
Other Asset Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	128,431		$ 117,431
Unrealized Gains	124		54
Unrealized Losses	483		581
Fair Value	128,072		116,904
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	82,903		102,660
Less Than Twelve Months, Unrealized Losses	280		434
Twelve Months or More, Fair Value	9,804		5,189
Twelve Months or More, Unrealized Losses	203		147
Total, Fair Value	92,707		107,849
Total, Unrealized Losses	$ 483		581
Number of securities with market fair value less than amortized cost | Security	121
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 147,411		145,193
Unrealized Gains	1,644		941
Unrealized Losses	710		1,150
Fair Value	148,345		144,984
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	22,296		52,493
Less Than Twelve Months, Unrealized Losses	282		597
Twelve Months or More, Fair Value	9,737		12,240
Twelve Months or More, Unrealized Losses	428		553
Total, Fair Value	32,033		64,733
Total, Unrealized Losses	$ 710		1,150
Number of securities with market fair value less than amortized cost | Security	44
Corporate [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 49,565		38,895
Unrealized Gains	162		9
Unrealized Losses	217		290
Fair Value	49,510		38,614
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	28,299		30,550
Less Than Twelve Months, Unrealized Losses	208		290
Twelve Months or More, Fair Value	991		0
Twelve Months or More, Unrealized Losses	9		0
Total, Fair Value	29,290		30,550
Total, Unrealized Losses	$ 217		290
Number of securities with market fair value less than amortized cost | Security	23
Trust Preferred [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 2,918		2,916
Unrealized Gains	0		0
Unrealized Losses	615		433
Fair Value	2,303		2,483
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	0		0
Less Than Twelve Months, Unrealized Losses	0		0
Twelve Months or More, Fair Value	2,303		2,483
Twelve Months or More, Unrealized Losses	615		433
Total, Fair Value	2,303		2,483
Total, Unrealized Losses	$ 615		433
Number of securities with market fair value less than amortized cost | Security	3
Number of securities rated as investment grade | Security	1
Number of securities rated as below investment grade | Security	1
Number of major credit rating agencies | Security	2
Number of securities non-rated | Security	1
Non-rated trust preferred securities, amortized cost	$ 1,000
Non-rated trust preferred securities, fair value	800
Rated Issues [Member]
Trust preferred securities [Abstract]
Fair Value	1,550		1,690
Net Unrealized Loss	(368)		(226)
Unrated Issues [Member]
Trust preferred securities [Abstract]
Fair Value	753		793
Net Unrealized Loss	(247)		$ (207)
Foreign Government [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	1,654
Unrealized Gains	0
Unrealized Losses	15
Fair Value	1,639
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	1,639
Less Than Twelve Months, Unrealized Losses	15
Twelve Months or More, Fair Value	0
Twelve Months or More, Unrealized Losses	0
Total, Fair Value	1,639
Total, Unrealized Losses	$ 15
Number of securities with market fair value less than amortized cost | Security	1

Loans (Details)

Loans (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 22,570	$ 25,990
Additions (deductions) [Abstract]
Provision for loan losses		(530)	(659)
Recoveries credited to allowance		959	990
Loans charged against the allowance		(504)	(1,642)
Balance at end of period		22,495	24,679
Allowance for loan losses [Abstract]
Individually evaluated for impairment		10,850		$ 10,983
Collectively evaluated for impairment		11,645		11,587
Total ending allowance balance		22,495		22,570
Loans [Abstract]
Individually evaluated for impairment		88,154		89,131
Collectively evaluated for impairment		1,455,356		1,430,756
Total loans recorded investment		1,543,510		1,519,887
Accrued interest included in recorded investment		4,528		4,837
Total loans		1,538,982		1,515,050
Commercial [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		5,670	5,445
Additions (deductions) [Abstract]
Provision for loan losses		(404)	328
Recoveries credited to allowance		356	433
Loans charged against the allowance		0	(290)
Balance at end of period		5,622	5,916
Allowance for loan losses [Abstract]
Individually evaluated for impairment		2,791		2,708
Collectively evaluated for impairment		2,831		2,962
Total ending allowance balance		5,622		5,670
Loans [Abstract]
Individually evaluated for impairment		17,585		16,868
Collectively evaluated for impairment		754,908		733,399
Total loans recorded investment		772,493		750,267
Accrued interest included in recorded investment		1,607		1,869
Total loans		770,886		748,398
Mortgage [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		10,391	13,444
Additions (deductions) [Abstract]
Provision for loan losses		(279)	(733)
Recoveries credited to allowance		382	238
Loans charged against the allowance		(198)	(868)
Balance at end of period		10,296	12,081
Allowance for loan losses [Abstract]
Individually evaluated for impairment		7,651		7,818
Collectively evaluated for impairment		2,645		2,573
Total ending allowance balance		10,296		10,391
Loans [Abstract]
Individually evaluated for impairment		64,899		66,375
Collectively evaluated for impairment		441,354		436,349
Total loans recorded investment		506,253		502,724
Accrued interest included in recorded investment	[1]	2,249		2,270
Total loans		504,004		500,454
Installment [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		1,181	1,814
Additions (deductions) [Abstract]
Provision for loan losses		65	(85)
Recoveries credited to allowance		221	319
Loans charged against the allowance		(306)	(484)
Balance at end of period		1,161	1,564
Allowance for loan losses [Abstract]
Individually evaluated for impairment		408		457
Collectively evaluated for impairment		753		724
Total ending allowance balance		1,161		1,181
Loans [Abstract]
Individually evaluated for impairment		5,670		5,888
Collectively evaluated for impairment		226,789		226,409
Total loans recorded investment		232,459		232,297
Accrued interest included in recorded investment	[1]	672		698
Total loans		231,787		231,599
Payment Plan Receivables [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		56	64
Additions (deductions) [Abstract]
Provision for loan losses		(3)	(2)
Recoveries credited to allowance		0	0
Loans charged against the allowance		0	0
Balance at end of period		53	62
Allowance for loan losses [Abstract]
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		53		56
Total ending allowance balance		53		56
Loans [Abstract]
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		32,305		34,599
Total loans recorded investment		32,305		34,599
Accrued interest included in recorded investment		0		0
Total loans		32,305		34,599
Subjective Allocation [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		5,272	5,223
Additions (deductions) [Abstract]
Provision for loan losses		91	(167)
Recoveries credited to allowance		0	0
Loans charged against the allowance		0	0
Balance at end of period		5,363	$ 5,056
Allowance for loan losses [Abstract]
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		5,363		5,272
Total ending allowance balance		$ 5,363		$ 5,272
[1]	Credit scores have been updated within the last twelve months.

Loans, Receivables Past Due (De

Loans, Receivables Past Due (Details) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015
Non performing loans [Abstract]
90+ and Still Accruing		$ 150	$ 118
Non-Accrual		10,425	10,607
Total Non-performing Loans		10,575	10,725
Accrued interest included in recorded investment		3	2
Aging analysis of loans by class [Abstract]
Total		15,895	15,637
Loans not Past Due		1,527,615	1,504,250
Total loans recorded investment		1,543,510	1,519,887
Accrued interest included in recorded investment		4,528	4,837
Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		6,184	5,881
Accrued interest included in recorded investment		56	53
Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		1,699	1,555
Accrued interest included in recorded investment		21	17
Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		8,012	8,201
Accrued interest included in recorded investment		3	2
Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Accrued interest included in recorded investment		80	72
Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Accrued interest included in recorded investment		4,448	4,765
Commercial [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		772,493	750,267
Accrued interest included in recorded investment		1,607	1,869
Commercial [Member] | Income Producing - Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		1,117	1,027
Total Non-performing Loans		1,117	1,027
Aging analysis of loans by class [Abstract]
Total		1,113	1,059
Loans not Past Due		310,604	305,155
Total loans recorded investment		311,717	306,214
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		337	203
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	209
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		776	647
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	49
Non-Accrual		168	401
Total Non-performing Loans		168	450
Aging analysis of loans by class [Abstract]
Total		168	252
Loans not Past Due		40,795	44,231
Total loans recorded investment		40,963	44,483
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		168	252
Commercial [Member] | Commercial and Industrial [Member]
Non performing loans [Abstract]
90+ and Still Accruing		147	69
Non-Accrual		2,304	2,028
Total Non-performing Loans		2,451	2,097
Aging analysis of loans by class [Abstract]
Total		775	952
Loans not Past Due		419,038	398,618
Total loans recorded investment		419,813	399,570
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		354	785
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		192	16
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		229	151
Mortgage [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		506,253	502,724
Accrued interest included in recorded investment	[1]	2,249	2,270
Mortgage [Member] | 1-4 Family [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		4,795	4,744
Total Non-performing Loans		4,795	4,744
Aging analysis of loans by class [Abstract]
Total		7,962	7,327
Loans not Past Due		275,295	272,298
Total loans recorded investment		283,257	279,625
Accrued interest included in recorded investment	[1]	1,368	1,396
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		2,505	1,943
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		662	640
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		4,795	4,744
Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		805	1,094
Total Non-performing Loans		805	1,094
Aging analysis of loans by class [Abstract]
Total		1,482	1,401
Loans not Past Due		111,434	114,619
Total loans recorded investment		112,916	116,020
Accrued interest included in recorded investment	[1]	489	477
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		677	307
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		805	1,094
Mortgage [Member] | Home Equity - 1st Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		154	187
Total Non-performing Loans		154	187
Aging analysis of loans by class [Abstract]
Total		220	237
Loans not Past Due		26,024	22,327
Total loans recorded investment		26,244	22,564
Accrued interest included in recorded investment	[1]	93	87
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		66	50
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		154	187
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		268	147
Total Non-performing Loans		268	147
Aging analysis of loans by class [Abstract]
Total		790	640
Loans not Past Due		51,620	50,618
Total loans recorded investment		52,410	51,258
Accrued interest included in recorded investment	[1]	195	196
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		235	439
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		287	54
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		268	147
Mortgage [Member] | Purchased Loans [Member]
Non performing loans [Abstract]
90+ and Still Accruing		3	0
Non-Accrual		2	2
Total Non-performing Loans		5	2
Aging analysis of loans by class [Abstract]
Total		18	12
Loans not Past Due		31,408	33,245
Total loans recorded investment		31,426	33,257
Accrued interest included in recorded investment	[1]	104	114
Mortgage [Member] | Purchased Loans [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		12	9
Mortgage [Member] | Purchased Loans [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		1	1
Mortgage [Member] | Purchased Loans [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		5	2
Installment [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		232,459	232,297
Accrued interest included in recorded investment	[1]	672	698
Installment [Member] | Home Equity - 1st Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		79	106
Total Non-performing Loans		79	106
Aging analysis of loans by class [Abstract]
Total		784	528
Loans not Past Due		15,429	16,707
Total loans recorded investment		16,213	17,235
Accrued interest included in recorded investment	[1]	69	78
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		529	315
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		176	107
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		79	106
Installment [Member] | Home Equity - 2nd Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		344	443
Total Non-performing Loans		344	443
Aging analysis of loans by class [Abstract]
Total		692	823
Loans not Past Due		18,367	19,727
Total loans recorded investment		19,059	20,550
Accrued interest included in recorded investment	[1]	73	83
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		215	231
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		133	149
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		344	443
Installment [Member] | Loans Not Secured By Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		384	421
Total Non-performing Loans		384	421
Aging analysis of loans by class [Abstract]
Total		878	1,071
Loans not Past Due		194,202	191,262
Total loans recorded investment		195,080	192,333
Accrued interest included in recorded investment	[1]	514	520
Installment [Member] | Loans Not Secured By Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		386	567
Installment [Member] | Loans Not Secured By Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		108	83
Installment [Member] | Loans Not Secured By Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		384	421
Installment [Member] | Other [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		2	2
Total Non-performing Loans		2	2
Aging analysis of loans by class [Abstract]
Total		16	20
Loans not Past Due		2,091	2,159
Total loans recorded investment		2,107	2,179
Accrued interest included in recorded investment	[1]	16	17
Installment [Member] | Other [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		3	15
Installment [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		11	3
Installment [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		2	2
Payment Plan Receivables [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		32,305	34,599
Accrued interest included in recorded investment		0	0
Payment Plan Receivables [Member] | Other [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		1	1
Total Non-performing Loans		1	1
Aging analysis of loans by class [Abstract]
Total		158	114
Loans not Past Due		7,502	6,156
Total loans recorded investment		7,660	6,270
Payment Plan Receivables [Member] | Other [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		154	110
Payment Plan Receivables [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		3	3
Payment Plan Receivables [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		1	1
Payment Plan Receivables [Member] | Full Refund [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		2	2
Total Non-performing Loans		2	2
Aging analysis of loans by class [Abstract]
Total		475	556
Loans not Past Due		17,609	21,294
Total loans recorded investment		18,084	21,850
Payment Plan Receivables [Member] | Full Refund [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		408	492
Payment Plan Receivables [Member] | Full Refund [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		65	62
Payment Plan Receivables [Member] | Full Refund [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		2	2
Payment Plan Receivables [Member] | Partial Refund [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		0	2
Total Non-performing Loans		0	2
Aging analysis of loans by class [Abstract]
Total		364	645
Loans not Past Due		6,197	5,834
Total loans recorded investment		6,561	6,479
Payment Plan Receivables [Member] | Partial Refund [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		303	415
Payment Plan Receivables [Member] | Partial Refund [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		61	228
Payment Plan Receivables [Member] | Partial Refund [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		$ 0	$ 2
[1]	Credit scores have been updated within the last twelve months.

Loans, Impaired Financing Recei

Loans, Impaired Financing Receivables (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Impaired loans [Abstract]
TDR		$ 2,368		$ 2,518
Non - TDR		168		203
TDR allowances based on collateral		4,683		4,810
TDR - allowances based on present value cash flow		80,009		81,002
Non - TDR - allowance based on collateral		623		260
Non - TDR - allowance based on present value cash flow		0		0
Total impaired loans		87,851		88,793
Amount of allowance for loan losses allocated [Abstract]
TDR - allowance based on collateral		2,531		2,436
TDR - allowance based on present value cash flow		8,135		8,471
Non - TDR - allowance based on collateral		184		76
Non - TDR - allowance based on present value cash flow		0		0
Allowance for loan losses allocated		10,850		10,983
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	2,555		2,727
Unpaid Principal Balance, with no related allowance	[1]	3,586		3,744
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	85,599		86,404
Unpaid Principal Balance, with an allowance recorded	[1]	88,955		90,182
Recorded Investment	[1]	88,154		89,131
Unpaid Principal Balance	[1]	92,541		93,926
Related Allowance	[1]	10,850		10,983
Accrued interest included in recorded investment	[1]	303		338
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	2,643	$ 9,701
Interest Income Recognized, with No Related Allowance	[2]	32	124
Average Recorded Investment, with Related Allowance	[2]	86,004	101,674
Interest Income Recognized, with Related Allowance	[2]	903	1,074
Average Recorded Investment	[2]	88,647	111,375
Interest Income Recognized	[2]	935	1,198
Commercial [Member] | Income Producing - Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	785		641
Unpaid Principal Balance, with no related allowance	[1]	1,030		851
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	8,234		8,377
Unpaid Principal Balance, with an allowance recorded	[1]	9,061		9,232
Recorded Investment	[1]	9,019		9,018
Unpaid Principal Balance	[1]	10,091		10,083
Related Allowance	[1]	548		516
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	713	5,848
Interest Income Recognized, with No Related Allowance	[2]	2	53
Average Recorded Investment, with Related Allowance	[2]	8,306	12,849
Interest Income Recognized, with Related Allowance	[2]	107	157
Average Recorded Investment	[2]	9,019	18,697
Interest Income Recognized	[2]	109	210
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	537		818
Unpaid Principal Balance, with no related allowance	[1]	1,112		1,393
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	1,484		1,690
Unpaid Principal Balance, with an allowance recorded	[1]	1,484		1,778
Recorded Investment	[1]	2,021		2,508
Unpaid Principal Balance	[1]	2,596		3,171
Related Allowance	[1]	95		296
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	678	1,041
Interest Income Recognized, with No Related Allowance	[2]	7	34
Average Recorded Investment, with Related Allowance	[2]	1,587	2,709
Interest Income Recognized, with Related Allowance	[2]	13	14
Average Recorded Investment	[2]	2,265	3,750
Interest Income Recognized	[2]	20	48
Commercial [Member] | Commercial and Industrial [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	1,218		1,245
Unpaid Principal Balance, with no related allowance	[1]	1,216		1,241
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	5,327		4,097
Unpaid Principal Balance, with an allowance recorded	[1]	5,592		4,439
Recorded Investment	[1]	6,545		5,342
Unpaid Principal Balance	[1]	6,808		5,680
Related Allowance	[1]	2,148		1,896
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	1,232	2,768
Interest Income Recognized, with No Related Allowance	[2]	21	37
Average Recorded Investment, with Related Allowance	[2]	4,712	8,177
Interest Income Recognized, with Related Allowance	[2]	23	66
Average Recorded Investment	[2]	5,944	10,945
Interest Income Recognized	[2]	44	103
Mortgage [Member] | 1-4 Family [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		23
Unpaid Principal Balance, with no related allowance	[1]	140		183
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	46,608		47,792
Unpaid Principal Balance, with an allowance recorded	[1]	48,532		49,808
Recorded Investment	[1]	46,608		47,815
Unpaid Principal Balance	[1]	48,672		49,991
Related Allowance	[1]	4,976		5,132
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	12	13
Interest Income Recognized, with No Related Allowance	[2]	1	0
Average Recorded Investment, with Related Allowance	[2]	47,200	52,451
Interest Income Recognized, with Related Allowance	[2]	502	551
Average Recorded Investment	[2]	47,212	52,464
Interest Income Recognized	[2]	503	551
Mortgage [Member] | Resort Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	17,929		18,148
Unpaid Principal Balance, with an allowance recorded	[1]	17,963		18,319
Recorded Investment	[1]	17,929		18,148
Unpaid Principal Balance	[1]	17,963		18,319
Related Allowance	[1]	2,654		2,662
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	31
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	18,039	18,632
Interest Income Recognized, with Related Allowance	[2]	160	171
Average Recorded Investment	[2]	18,039	18,663
Interest Income Recognized	[2]	160	171
Mortgage [Member] | Home Equity - 1st Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	243		168
Unpaid Principal Balance, with an allowance recorded	[1]	247		172
Recorded Investment	[1]	243		168
Unpaid Principal Balance	[1]	247		172
Related Allowance	[1]	12		9
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	206	162
Interest Income Recognized, with Related Allowance	[2]	2	2
Average Recorded Investment	[2]	206	162
Interest Income Recognized	[2]	2	2
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	119		244
Unpaid Principal Balance, with an allowance recorded	[1]	201		325
Recorded Investment	[1]	119		244
Unpaid Principal Balance	[1]	201		325
Related Allowance	[1]	9		15
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	182	123
Interest Income Recognized, with Related Allowance	[2]	1	2
Average Recorded Investment	[2]	182	123
Interest Income Recognized	[2]	1	2
Installment [Member] | Home Equity - 1st Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	1		0
Unpaid Principal Balance, with no related allowance	[1]	75		76
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	2,287		2,364
Unpaid Principal Balance, with an allowance recorded	[1]	2,421		2,492
Recorded Investment	[1]	2,288		2,364
Unpaid Principal Balance	[1]	2,496		2,568
Related Allowance	[1]	130		143
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	1	0
Interest Income Recognized, with No Related Allowance	[2]	1	0
Average Recorded Investment, with Related Allowance	[2]	2,326	2,691
Interest Income Recognized, with Related Allowance	[2]	42	50
Average Recorded Investment	[2]	2,327	2,691
Interest Income Recognized	[2]	43	50
Installment [Member] | Home Equity - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	14		0
Unpaid Principal Balance, with no related allowance	[1]	13		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	2,793		2,929
Unpaid Principal Balance, with an allowance recorded	[1]	2,807		2,951
Recorded Investment	[1]	2,807		2,929
Unpaid Principal Balance	[1]	2,820		2,951
Related Allowance	[1]	239		271
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	7	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	2,861	3,174
Interest Income Recognized, with Related Allowance	[2]	44	51
Average Recorded Investment	[2]	2,868	3,174
Interest Income Recognized	[2]	44	51
Installment [Member] | Loans Not Secured By Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	569		587
Unpaid Principal Balance, with an allowance recorded	[1]	641		658
Recorded Investment	[1]	569		587
Unpaid Principal Balance	[1]	641		658
Related Allowance	[1]	38		42
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	578	694
Interest Income Recognized, with Related Allowance	[2]	9	10
Average Recorded Investment	[2]	578	694
Interest Income Recognized	[2]	9	10
Installment [Member] | Other [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	6		8
Unpaid Principal Balance, with an allowance recorded	[1]	6		8
Recorded Investment	[1]	6		8
Unpaid Principal Balance	[1]	6		8
Related Allowance	[1]	1		$ 1
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	7	12
Interest Income Recognized, with Related Allowance	[2]	0	0
Average Recorded Investment	[2]	7	12
Interest Income Recognized	[2]	$ 0	$ 0
[1]	(1) There were no impaired payment plan receivables or purchased mortgage loans at March 31, 2016 or December 31, 2015.
[2]	(1) There were no impaired payment plan receivables or purchased mortgage loans during the three month periods ended March 31, 2016 and 2015, respectively.

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2016USD ($)Contract	Mar. 31, 2015USD ($)Contract	Dec. 31, 2015USD ($)
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		$ 87,060		$ 88,330
Troubled debt restructuring, specific reserve		$ 10,700		10,900
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		13	12
Pre-modification recorded balance		$ 2,259	$ 1,564
Post-modification recorded balance		2,303	1,343
Increase (decrease) in allowance for loan losses		60	30
Charge offs due to troubled debt restructurings		$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	1
Recorded Balance		$ 0	$ 91
Past due period for modified loans		90 days
Charge-offs on TDRs that subsequently defaulted			$ 0
Minimum [Member]
Financing Receivable, Modifications [Line Items]
Modification of stated interest rate of loans, range of period		9 months
Modifications involving extension of maturity date, period range		1 month
Maximum [Member]
Financing Receivable, Modifications [Line Items]
Modification of stated interest rate of loans, range of period		36 months
Modifications involving extension of maturity date, period range		60 months
Maximum in Certain Circumstances [Member]
Financing Receivable, Modifications [Line Items]
Modification of stated interest rate of loans, range of period		480 months
Modifications involving extension of maturity date, period range		230 months
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		$ 16,748		16,359
Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		$ 70,312		71,971
Income Producing - Real Estate [Member] | Commercial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		2	1
Pre-modification recorded balance		$ 110	$ 156
Post-modification recorded balance		$ 110	$ 164
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Land, Land Development and Construction - Real Estate [Member] | Commercial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Commercial and Industrial [Member] | Commercial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		4	2
Pre-modification recorded balance		$ 1,758	$ 236
Post-modification recorded balance		$ 1,758	$ 234
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	1
Recorded Balance		$ 0	$ 91
1-4 Family [Member] | Mortgage [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		2	5
Pre-modification recorded balance		$ 83	$ 1,005
Post-modification recorded balance		$ 153	$ 805
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Resort Lending [Member] | Mortgage [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	0
Pre-modification recorded balance		$ 116	$ 0
Post-modification recorded balance		$ 117	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Home Equity - 1st Lien [Member] | Mortgage [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	0
Pre-modification recorded balance		$ 107	$ 0
Post-modification recorded balance		$ 78	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Home Equity - 1st Lien [Member] | Installment [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	4
Pre-modification recorded balance		$ 30	$ 167
Post-modification recorded balance		$ 31	$ 140
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Home Equity - 2nd Lien [Member] | Mortgage [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Home Equity - 2nd Lien [Member] | Installment [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		2	0
Pre-modification recorded balance		$ 55	$ 0
Post-modification recorded balance		$ 56	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Loans Not Secured By Real Estate [Member] | Installment [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Other [Member] | Installment [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0
Pre-modification recorded balance		$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0
Recorded Balance		$ 0	$ 0
Performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		80,569		81,512
Performing TDRs [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		13,950		13,318
Performing TDRs [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		66,619		68,194
Non-performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[1]	6,491		6,818
Non-performing TDRs [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[1]	2,798		3,041
Non-performing TDRs [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[1],[2]	$ 3,693		$ 3,777
[1]	Included in non-performing loans table above.
[2]	Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.

Loans, Loan Ratings by Loan Cla

Loans, Loan Ratings by Loan Class, Commercial Segment (Details) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015
Loan ratings/credit scores by loan class [Abstract]
Commercial		$ 770,886	$ 748,398
Accrued interest included in total		$ 4,528	4,837
Credit ratings of insurer or risk retention group counterparties [Abstract]
Subsidiary's outstanding payment plan insured by third party		56.00%
Subsidiary's outstanding payment plan 2, insured by third party		20.30%
Payment Plan Receivables, Full Refund		$ 18,084	21,850
Payment Plan Receivables, Partial Refund		6,561	6,479
Payment Plan Receivables, Other		7,660	6,270
Total		32,305	34,599
Other Real Estate and Foreclosed Assets [Abstract]
Foreclosed residential real estate properties		2,500	2,800
Retail mortgage loans in process of foreclosure		1,400	1,100
AM Best Rating A+ [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund		0	0
Payment Plan Receivables, Partial Refund		11	6
Payment Plan Receivables, Other		0	0
Total		11	6
AM Best A Rating [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund		1,845	2,712
Payment Plan Receivables, Partial Refund		5,285	5,203
Payment Plan Receivables, Other		0	0
Total		7,130	7,915
AM Best Rating, A- Rating [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund		2,576	3,418
Payment Plan Receivables, Partial Refund		1,208	1,177
Payment Plan Receivables, Other		7,658	6,265
Total		11,442	10,860
Not Rated [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund		13,663	15,720
Payment Plan Receivables, Partial Refund		57	93
Payment Plan Receivables, Other		2	5
Total		13,722	15,818
Commercial [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		772,493	750,267
Accrued interest included in total		1,607	1,869
Commercial [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		733,522	709,099
Accrued interest included in total		1,507	1,729
Commercial [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		28,729	29,363
Accrued interest included in total		82	108
Commercial [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		6,653	8,349
Accrued interest included in total		18	32
Commercial [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		3,589	3,456
Accrued interest included in total		0	0
Commercial [Member] | Income Producing - Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		311,717	306,214
Commercial [Member] | Income Producing - Real Estate [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		303,195	296,898
Commercial [Member] | Income Producing - Real Estate [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		6,367	6,866
Commercial [Member] | Income Producing - Real Estate [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		1,038	1,423
Commercial [Member] | Income Producing - Real Estate [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		1,117	1,027
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		40,963	44,483
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		39,120	40,844
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		1,675	2,995
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		0	243
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		168	401
Commercial [Member] | Commercial and Industrial [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		419,813	399,570
Commercial [Member] | Commercial and Industrial [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		391,207	371,357
Commercial [Member] | Commercial and Industrial [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		20,687	19,502
Commercial [Member] | Commercial and Industrial [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		5,615	6,683
Commercial [Member] | Commercial and Industrial [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		2,304	2,028
Mortgage [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	56,964	57,083
750-799	[1]	173,320	167,515
700-749	[1]	109,540	110,802
650-699	[1]	79,460	80,140
600-649	[1]	38,063	38,108
550-599	[1]	22,089	22,729
500-549	[1]	13,155	13,528
Under 500	[1]	5,593	5,771
Unknown	[1]	8,069	7,048
Total	[1]	506,253	502,724
Accrued interest included in total	[1]	2,249	2,270
Mortgage [Member] | 1-4 Family [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	29,357	28,760
750-799	[1]	84,315	78,802
700-749	[1]	54,911	56,519
650-699	[1]	51,725	51,813
600-649	[1]	27,962	27,966
550-599	[1]	16,128	16,714
500-549	[1]	10,348	10,610
Under 500	[1]	4,570	4,708
Unknown	[1]	3,941	3,733
Total	[1]	283,257	279,625
Accrued interest included in total	[1]	1,368	1,396
Mortgage [Member] | Resort Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	13,694	13,943
750-799	[1]	39,748	40,888
700-749	[1]	31,331	31,980
650-699	[1]	16,538	17,433
600-649	[1]	4,934	4,991
550-599	[1]	3,052	3,070
500-549	[1]	985	1,051
Under 500	[1]	548	554
Unknown	[1]	2,086	2,110
Total	[1]	112,916	116,020
Accrued interest included in total	[1]	489	477
Mortgage [Member] | Home Equity - 1st Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	4,206	4,374
750-799	[1]	10,292	7,137
700-749	[1]	4,601	4,341
650-699	[1]	3,696	3,203
600-649	[1]	1,447	1,467
550-599	[1]	1,022	1,027
500-549	[1]	561	572
Under 500	[1]	223	244
Unknown	[1]	196	199
Total	[1]	26,244	22,564
Accrued interest included in total	[1]	93	87
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	7,409	7,696
750-799	[1]	18,190	17,405
700-749	[1]	11,796	11,022
650-699	[1]	7,501	7,691
600-649	[1]	3,720	3,684
550-599	[1]	1,887	1,918
500-549	[1]	1,261	1,295
Under 500	[1]	252	265
Unknown	[1]	394	282
Total	[1]	52,410	51,258
Accrued interest included in total	[1]	195	196
Mortgage [Member] | Purchased Loans [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	2,298	2,310
750-799	[1]	20,775	23,283
700-749	[1]	6,901	6,940
650-699	[1]	0	0
600-649	[1]	0	0
550-599	[1]	0	0
500-549	[1]	0	0
Under 500	[1]	0	0
Unknown	[1]	1,452	724
Total	[1]	31,426	33,257
Accrued interest included in total	[1]	104	114
Installment [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	46,737	47,886
750-799	[1]	99,666	97,379
700-749	[1]	42,227	41,889
650-699	[1]	23,922	24,645
600-649	[1]	8,965	9,505
550-599	[1]	4,967	5,252
500-549	[1]	2,927	3,142
Under 500	[1]	811	1,001
Unknown	[1]	2,237	1,598
Total	[1]	232,459	232,297
Accrued interest included in total	[1]	672	698
Installment [Member] | Home Equity - 1st Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	1,638	1,792
750-799	[1]	3,850	4,117
700-749	[1]	2,375	2,507
650-699	[1]	3,308	3,508
600-649	[1]	2,032	2,173
550-599	[1]	1,741	1,800
500-549	[1]	1,000	1,056
Under 500	[1]	211	223
Unknown	[1]	58	59
Total	[1]	16,213	17,235
Accrued interest included in total	[1]	69	78
Installment [Member] | Home Equity - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	1,678	1,782
750-799	[1]	5,552	5,931
700-749	[1]	3,591	3,899
650-699	[1]	3,761	4,182
600-649	[1]	2,068	2,153
550-599	[1]	1,296	1,346
500-549	[1]	804	855
Under 500	[1]	280	370
Unknown	[1]	29	32
Total	[1]	19,059	20,550
Accrued interest included in total	[1]	73	83
Installment [Member] | Loans Not Secured By Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	43,330	44,254
750-799	[1]	89,742	86,800
700-749	[1]	35,628	34,789
650-699	[1]	16,394	16,456
600-649	[1]	4,663	4,979
550-599	[1]	1,825	1,997
500-549	[1]	1,068	1,170
Under 500	[1]	297	385
Unknown	[1]	2,133	1,503
Total	[1]	195,080	192,333
Accrued interest included in total	[1]	514	520
Installment [Member] | Other [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	91	58
750-799	[1]	522	531
700-749	[1]	633	694
650-699	[1]	459	499
600-649	[1]	202	200
550-599	[1]	105	109
500-549	[1]	55	61
Under 500	[1]	23	23
Unknown	[1]	17	4
Total	[1]	2,107	2,179
Accrued interest included in total	[1]	$ 16	$ 17
[1]	Credit scores have been updated within the last twelve months.

Segments (Details)

Segments (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2016USD ($)Segment	Mar. 31, 2015USD ($)	Dec. 31, 2015USD ($)
Segments [Abstract]
Number of reportable segments | Segment		2
Selected financial information for reportable segments [Abstract]
Total assets		$ 2,487,120		$ 2,409,066
Interest income		21,354	$ 19,552
Net interest income		19,763	18,091
Provision for loan losses		(530)	(659)
Income (loss) before income tax		6,057	5,561
Net income (loss)		4,100	3,781
Other [Member]
Selected financial information for reportable segments [Abstract]
Total assets	[1]	275,315		286,936
Interest income	[1]	5	20
Net interest income	[1]	(271)	(227)
Provision for loan losses	[1]	0	0
Income (loss) before income tax	[1]	(423)	(383)
Net income (loss)	[1]	(267)	(244)
Operating Segments [Member] | IB [Member]
Selected financial information for reportable segments [Abstract]
Total assets		2,425,152		2,340,566
Interest income		20,243	18,221
Net interest income		19,102	17,183
Provision for loan losses		(526)	(656)
Income (loss) before income tax		6,862	6,259
Net income (loss)		4,619	4,233
Operating Segments [Member] | Mepco [Member]
Selected financial information for reportable segments [Abstract]
Total assets		50,515		57,208
Interest income		1,110	1,331
Net interest income		932	1,135
Provision for loan losses		(4)	(3)
Income (loss) before income tax		(359)	(291)
Net income (loss)		(237)	(192)
Elimination [Member]
Selected financial information for reportable segments [Abstract]
Total assets	[2]	(263,862)		$ (275,644)
Interest income	[2]	(4)	(20)
Net interest income	[2]	0	0
Provision for loan losses	[2]	0	0
Income (loss) before income tax	[2]	(23)	(24)
Net income (loss)	[2]	$ (15)	$ (16)
[1]	Includes amounts relating to our parent company.
[2]	Includes parent company's investment in subsidiaries and cash balances maintained at subsidiary.

Shareholders' Equity and Earn42

Shareholders' Equity and Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands		Nov. 15, 2011	Mar. 31, 2016	Mar. 31, 2015	Apr. 26, 2016	Jan. 21, 2016
Class of Stock [Line Items]
Stock repurchased			$ 15,510	$ 902
Shareholders with certain limited exceptions		5.00%
Number of Series C Junior participating preferred stock purchase by each right		1/1000
Beneficial ownership level		4.99%
Discount to current market price of the common stock		50.00%
Earnings Per Share Reconciliation [Abstract]
Net income			$ 4,100	$ 3,781
Weighted average shares outstanding (in shares)	[1]		21,751,000	22,997,000
Stock units for deferred compensation plan for non-employee directors (in shares)			113,000	111,000
Effect of stock options (in shares)			112,000	121,000
Restricted stock units (in shares)			86,000	309,000
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)			22,062,000	23,538,000
Net income per common share [Abstract]
Basic (in dollars per share)	[1]		$ 0.19	$ 0.16
Diluted (in dollars per share)			$ 0.19	$ 0.16
Common Stock [Member]
Class of Stock [Line Items]
Stock repurchase program percentage of shares authorized to be repurchased						5.00%
Stock repurchased (in shares)			1,059,865
Stock repurchased			$ 15,500
Stock repurchase program, remaining shares to be repurchased (in shares)			52,703
Common Stock [Member] | Subsequent Event [Member]
Class of Stock [Line Items]
Stock repurchase program, additional authorized amount					$ 5,000
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive shares excluded from computation of diluted loss per share (in shares)			30,000	30,000
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume43

Derivative Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 165,453	$ 126,271
Average Maturity	5 years 2 months 12 days	3 years 8 months 12 days
Fair Value	$ 632	$ 619
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	2,584	1,238
Liability Derivatives	1,952	619
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 23,854	$ 20,581
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ 769	$ 550
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 50,127	$ 46,320
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ (137)	$ 69
No Hedge Designation [Member] | Purchased Options [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 2,803	$ 2,098
Average Maturity	5 years 3 months 18 days	5 years 8 months 12 days
Fair Value	$ 200	$ 122
No Hedge Designation [Member] | Written Options [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 2,803	$ 2,098
Average Maturity	5 years 3 months 18 days	5 years 8 months 12 days
Fair Value	$ (200)	$ (122)
Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 42,933	$ 27,587
Average Maturity	9 years 6 months	8 years
Fair Value	$ (1,615)	$ (497)
Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 42,933	$ 27,587
Average Maturity	9 years 6 months	8 years
Fair Value	$ 1,615	$ 497
Other Assets [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	769	550
Other Assets [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	69
Other Assets [Member] | No Hedge Designation [Member] | Purchased Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	200	122
Other Assets [Member] | No Hedge Designation [Member] | Written Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	0
Other Assets [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	0
Other Assets [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	1,615	497
Other Liabilities [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	137	0
Other Liabilities [Member] | No Hedge Designation [Member] | Purchased Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Written Options [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	200	122
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	1,615	497
Other Liabilities [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	$ 0	$ 0

Derivative Financial Instrume44

Derivative Financial Instruments, Effect on Statement of Operations (Details) - No Hedge Designation [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ 13	$ 349
Rate-Lock Mortgage Loan Commitments [Member] | Net Gains on Mortgage Loans [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	219	388
Mandatory Commitments to Sell Mortgage Loans [Member] | Net Gains on Mortgage Loans [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(206)	(39)
Purchased Options [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	78	0
Written Options [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(78)	0
Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	(1,118)	(261)
Variable Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ 1,118	$ 261

Intangible Assets (Details)

Intangible Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Amortized intangible assets - core deposits [Abstract]
Gross Carrying Amount	$ 6,118	$ 6,118
Accumulated Amortization	3,925	$ 3,838
Summary of estimated intangible amortization [Abstract]
Nine months ending December 31, 2016	260
2,017	346
2,018	346
2,019	346
2,020	346
2021 and thereafter	549
Total	$ 2,193

Share Based Compensation (Detai

Share Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Share based compensation arrangements [Line Items]
Number of additional shares approved for grant (in shares)	200,000
Total compensation cost not yet recognized	$ 2,400
Total compensation cost not yet recognized, period for recognition	2 years 1 month 6 days
Information regarding options exercised [Abstract]
Intrinsic value	$ 117	$ 56
Cash proceeds received	32	15
Tax benefit realized	41	20
Long-term Incentive Plan [Member]
Share based compensation arrangements [Line Items]
Total compensation expense recognized	400	400
Tax benefit relating to compensation expense recognized	$ 100	$ 100
Stock Options [Member]
Outstanding stock option grants and transaction [Roll Forward]
Outstanding, beginning balance (in shares)	235,596
Granted (in shares)	0
Exercised (in shares)	(10,216)
Forfeited (in shares)	(498)
Expired (in shares)	0
Outstanding, ending balance (in shares)	224,882
Vested and expected to vest, period end (in shares)	224,631
Exercisable, period end (in shares)	202,938
Weighted Average Exercise Price [Roll Forward]
Outstanding, beginning balance (in dollars per share)	$ 4.94
Exercised (in dollars per share)	3.18
Forfeited (in dollars per share)	6.42
Outstanding, ending balance (in dollars per share)	5.01
Vested and expected to vest, period end (in dollars per share)	5.01
Exercisable, period end (in dollars per share)	$ 4.86
Weighted-Average Remaining Contractual Term [Abstract]
Outstanding, Weighted Average Remaining Contractual Term	5 years 10 months 2 days
Vested and Expected to Vest, Weighted-Average Remaining Contractual Term	5 years 10 months 2 days
Exercisable, Weighted Average Remaining Contractual Term	5 years 8 months 8 days
Aggregate intrinsic value [Abstract]
Outstanding, Aggregate Intrinsic Value	$ 2,180
Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	2,178
Exercisable, Aggregate Intrinsic Value	$ 2,002
Non-Vested Restricted Stock, Restricted Stock Units and PSU's [Member]
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	261,981
Granted (in shares)	96,191
Vested (in shares)	(21,225)
Forfeited (in shares)	(1,398)
Outstanding, ending balance (in shares)	335,549
Weighted Average Grant Date Fair Value [Roll Forward]
Outstanding, beginning balance (in dollars per share)	$ 11.29
Granted (in dollars per share)	14.39
Vested (in dollars per share)	12.78
Forfeited (in dollars per share)	12.70
Outstanding, ending balance (in dollars per share)	$ 12.08
Director [Member]
Share based compensation arrangements [Line Items]
Shares issues as retainer fees (in shares)	2,000	1,000
Non-Employee Directors [Member]
Share based compensation arrangements [Line Items]
Number of additional shares approved for grant (in shares)	200,000
Total compensation expense recognized	$ 30	$ 20
Tax benefit relating to compensation expense recognized	$ 10	$ 10
Officers [Member] | Restricted Stock [Member] | Long-term Incentive Plan [Member]
Share based compensation arrangements [Line Items]
Number of stock units or restricted shares issued in period (in shares)	70,000	70,000
Vesting period	3 years	3 years
Officers [Member] | Performance stock units [Member] | Long-term Incentive Plan [Member]
Share based compensation arrangements [Line Items]
Number of stock units or restricted shares issued in period (in shares)	30,000	30,000
Vesting period	3 years	3 years

Income Tax (Details)

Income Tax (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Income Tax [Abstract]
Income tax expense	$ 1,957	$ 1,780
Gross unrecognized tax benefits	1,000		$ 1,000
Valuation Allowance [Line Items]
Valuation allowance	1,100		1,100
Mepco [Member]
Valuation Allowance [Line Items]
Valuation allowance against deferred tax assets attributable to Mepco	$ 1,100		$ 1,100

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015	Dec. 31, 2014
Regulatory Matters [Abstract]
Undivided profits	$ (5,700)
Request for approval to transfer capital from bank to parent entity	18,000	$ 18,500
Components of regulatory capital [Abstract]
Total shareholders' equity	239,545	$ 253,625	$ 251,092	$ 250,371
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes	(4,799)		(6,036)
Intangible assets	(2,193)		(2,280)
Consolidated [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	268,031		278,170
Minimum for Adequately Capitalized Institutions, Amount	$ 135,651		$ 133,668
Actual, Ratio	15.81%		16.65%
Minimum for Adequately Capitalized Institutions, Ratio	8.00%		8.00%
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	$ 246,688		$ 257,050
Minimum for Adequately Capitalized Institutions, Amount	$ 101,738		$ 100,251
Actual, Ratio	14.55%		15.38%
Minimum for Adequately Capitalized Institutions, Ratio	6.00%		6.00%
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	$ 222,205		$ 239,271
Minimum for Adequately Capitalized Institutions, Amount	$ 76,304		$ 75,188
Actual, Ratio	13.10%		14.32%
Minimum for Adequately Capitalized Institutions, Ratio	4.50%		4.50%
Tier 1 capital to average assets [Abstract]
Tier 1 capital	$ 246,688		$ 257,050
Minimum for Adequately Capitalized Institutions, Amount	$ 95,713		$ 94,217
Actual, Ratio	10.31%		10.91%
Minimum for Adequately Capitalized Institutions, Ratio	4.00%		4.00%
Components of regulatory capital [Abstract]
Total shareholders' equity	$ 239,545		$ 251,092
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes	(999)		238
Intangible assets	(1,316)		(912)
Disallowed deferred tax assets	(15,025)		(11,147)
Common equity tier 1 capital	222,205		239,271
Qualifying trust preferred securities	34,500		34,500
Disallowed deferred tax assets	(10,017)		(16,721)
Tier 1 capital	246,688		257,050
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	21,343		21,120
Total risk-based capital	268,031		278,170
Independent Bank [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital	251,157		261,894
Minimum for Adequately Capitalized Institutions, Amount	135,503		133,514
Minimum for Well Capitalized Institutions, Amount	$ 169,379		$ 166,893
Actual, Ratio	14.83%		15.69%
Minimum for Adequately Capitalized Institutions, Ratio	8.00%		8.00%
Minimum for Well-Capitalized Institutions, Ratio	10.00%		10.00%
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	$ 229,884		$ 240,867
Minimum for Adequately Capitalized Institutions, Amount	101,628		100,136
Minimum for Well-Capitalized Institutions, Amount	$ 135,503		$ 133,514
Actual, Ratio	13.57%		14.43%
Minimum for Adequately Capitalized Institutions, Ratio	6.00%		6.00%
Minimum for Well Capitalized Institutions, Ratio	8.00%		8.00%
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount	$ 229,884		$ 240,867
Minimum for Adequately Capitalized Institutions, Amount	76,221		75,102
Minimum for Well-Capitalized Institutions, Amount	$ 110,097		$ 108,480
Actual, Ratio	13.57%		14.43%
Minimum for Adequately Capitalized Institutions, Ratio	4.50%		4.50%
Minimum for Well Capitalized Institutions, Ratio	6.50%		6.50%
Tier 1 capital to average assets [Abstract]
Tier 1 capital	$ 229,884		$ 240,867
Minimum for Adequately Capitalized Institutions, Amount	95,647		94,145
Minimum for Well-Capitalized Institutions, Amount	$ 119,559		$ 117,682
Actual, Ratio	9.61%		10.23%
Minimum for Adequately Capitalized Institutions, Ratio	4.00%		4.00%
Minimum for Well-Capitalized Institutions, Ratio	5.00%		5.00%
Components of regulatory capital [Abstract]
Total shareholders' equity	$ 247,567		$ 259,947
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes	(999)		238
Intangible assets	(1,316)		(912)
Disallowed deferred tax assets	(15,368)		(18,406)
Common equity tier 1 capital	229,884		240,867
Qualifying trust preferred securities	0		0
Disallowed deferred tax assets	0		0
Tier 1 capital	229,884		240,867
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets	21,273		21,027
Total risk-based capital	$ 251,157		$ 261,894

Fair Value Disclosures, Part 1

Fair Value Disclosures, Part 1 (Details) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Value of collateral-dependent impaired loans that will be reviewed by independent third party, minimum		$ 250
Value of collateral-dependent impaired loans that will be reviewed by special assets group, maximum		250
Assets [Abstract]
Trading securities		136	$ 148
Securities available for sale		589,500	585,484
Assets [Abstract]
Capitalized mortgage loan servicing rights		10,454	8,481
U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		35,385	47,512
U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		197,379	196,056
U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		8,492	34,028
Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		18,375	4,903
Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		128,072	116,904
Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		148,345	144,984
Corporate [Member]
Assets [Abstract]
Securities available for sale		49,510	38,614
Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,303	2,483
Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,639
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities		136	148
Loans held for sale		28,016	27,866
Derivatives	[1]	2,584	1,238
Liabilities [Abstract]
Derivatives	[2]	1,952	619
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		35,385	47,512
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		197,379	196,056
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		8,492	34,028
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		18,375	4,903
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		128,072	116,904
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		148,345	144,984
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		49,510	38,614
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,303	2,483
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,639
Fair Value Measurements [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets [Abstract]
Capitalized mortgage loan servicing rights	[3]	10,454	8,481
Fair Value Measurements [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	[4]	605	711
Land, land development & construction - real estate	[4]	35	40
Commercial and industrial	[4]	1,166	1,257
Mortgage [Abstract]
1-4 Family	[4]	540	421
Resort Lending	[4]	245	129
Commercial [Abstract]
Land, land development & construction - real estate	[4]	35	40
Commercial and industrial	[4]	1,166	1,257
Mortgage [Abstract]
1-4 Family	[4]	540	421
Resort Lending	[4]	245	129
Fair Value Measurements [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Land, land development & construction - real estate	[5]	549	639
Commercial and industrial	[5]		165
Mortgage [Abstract]
1-4 Family	[5]	66	26
Resort Lending	[5]	93	107
Commercial [Abstract]
Land, land development & construction - real estate	[5]	549	639
Commercial and industrial	[5]		165
Mortgage [Abstract]
1-4 Family	[5]	66	26
Resort Lending	[5]	93	107
Home equity - 1st lien	[5]	18	14
Installment [Abstract]
Home equity - 1st lien	[5]	23	36
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Trading securities		136	148
Securities available for sale		0	0
Derivatives		0	0
Liabilities [Abstract]
Derivatives		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities		136	148
Loans held for sale		0	0
Derivatives	[1]	0	0
Liabilities [Abstract]
Derivatives	[2]	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets [Abstract]
Capitalized mortgage loan servicing rights	[3]	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	[4]	0	0
Land, land development & construction - real estate	[4]	0	0
Commercial and industrial	[4]	0	0
Mortgage [Abstract]
1-4 Family	[4]	0	0
Resort Lending	[4]	0	0
Commercial [Abstract]
Land, land development & construction - real estate	[4]	0	0
Commercial and industrial	[4]	0	0
Mortgage [Abstract]
1-4 Family	[4]	0	0
Resort Lending	[4]	0	0
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Land, land development & construction - real estate	[5]	0	0
Commercial and industrial	[5]		0
Mortgage [Abstract]
1-4 Family	[5]	0	0
Resort Lending	[5]	0	0
Commercial [Abstract]
Land, land development & construction - real estate	[5]	0	0
Commercial and industrial	[5]		0
Mortgage [Abstract]
1-4 Family	[5]	0	0
Resort Lending	[5]	0	0
Home equity - 1st lien	[5]		0
Installment [Abstract]
Home equity - 1st lien	[5]	0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Trading securities		0	0
Securities available for sale		589,500	585,484
Derivatives		2,584	1,238
Liabilities [Abstract]
Derivatives		1,952	619
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities		0	0
Loans held for sale		28,016	27,866
Derivatives	[1]	2,584	1,238
Liabilities [Abstract]
Derivatives	[2]	1,952	619
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		35,385	47,512
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		197,379	196,056
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		8,492	34,028
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		18,375	4,903
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		128,072	116,904
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		148,345	144,984
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		49,510	38,614
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,303	2,483
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,639
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets [Abstract]
Capitalized mortgage loan servicing rights	[3]	0	0
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	[4]	0	0
Land, land development & construction - real estate	[4]	0	0
Commercial and industrial	[4]	0	0
Mortgage [Abstract]
1-4 Family	[4]	0	0
Resort Lending	[4]	0	0
Commercial [Abstract]
Land, land development & construction - real estate	[4]	0	0
Commercial and industrial	[4]	0	0
Mortgage [Abstract]
1-4 Family	[4]	0	0
Resort Lending	[4]	0	0
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Land, land development & construction - real estate	[5]	0	0
Commercial and industrial	[5]		0
Mortgage [Abstract]
1-4 Family	[5]	0	0
Resort Lending	[5]	0	0
Commercial [Abstract]
Land, land development & construction - real estate	[5]	0	0
Commercial and industrial	[5]		0
Mortgage [Abstract]
1-4 Family	[5]	0	0
Resort Lending	[5]	0	0
Home equity - 1st lien	[5]		0
Installment [Abstract]
Home equity - 1st lien	[5]	0	0
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Trading securities		0	0
Securities available for sale		0	0
Derivatives		0	0
Liabilities [Abstract]
Derivatives		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities		0	0
Loans held for sale		0	0
Derivatives	[1]	0	0
Liabilities [Abstract]
Derivatives	[2]	0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		0	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets [Abstract]
Capitalized mortgage loan servicing rights	[3]	10,454	8,481
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	[4]	605	711
Land, land development & construction - real estate	[4]	35	40
Commercial and industrial	[4]	1,166	1,257
Mortgage [Abstract]
1-4 Family	[4]	540	421
Resort Lending	[4]	245	129
Commercial [Abstract]
Land, land development & construction - real estate	[4]	35	40
Commercial and industrial	[4]	1,166	1,257
Mortgage [Abstract]
1-4 Family	[4]	540	421
Resort Lending	[4]	245	129
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Land, land development & construction - real estate	[5]	549	639
Commercial and industrial	[5]		165
Mortgage [Abstract]
1-4 Family	[5]	66	26
Resort Lending	[5]	93	107
Commercial [Abstract]
Land, land development & construction - real estate	[5]	549	639
Commercial and industrial	[5]		165
Mortgage [Abstract]
1-4 Family	[5]	66	26
Resort Lending	[5]	93	107
Home equity - 1st lien	[5]	18	14
Installment [Abstract]
Home equity - 1st lien	[5]	$ 23	$ 36
[1]	Included in accrued income and other assets.
[2]	Included in accrued expenses and other liabilities.
[3]	Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance.
[4]	Only includes impaired loans with specific loss allocations based on collateral value.
[5]	Only includes other real estate with subsequent write downs to fair value.

Fair Value Disclosures, Part 2

Fair Value Disclosures, Part 2 (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Impairment charges recognized [Abstract]
Capitalized mortgage loan servicing rights, carrying amount	$ 10,500		$ 8,500
Capitalized mortgage loan servicing rights, valuation allowance	4,700		3,300
Capitalized mortgage loan servicing rights	1,500	$ 700
Collateral dependent loans, carrying amount	5,300		5,100
Collateral dependent loans, valuation allowance	2,700		2,500
Additional provision for loan losses on impaired loans	600	600
Other real estate, carrying amount	700		1,000
Other real estate, valuation allowance	1,700		$ 1,700
Other real estate, additional charge	200	200
Trading Securities [Member]
Changes in fair value for financial assets [Abstract]
Net Gains (Losses) on Assets	(12)	10
Total Change in Fair Values Included in Current Period Earnings	(12)	10
Loans Held For Sale [Member]
Changes in fair value for financial assets [Abstract]
Net Gains (Losses) on Assets	127	209
Total Change in Fair Values Included in Current Period Earnings	$ 127	$ 209

Fair Value Disclosures, Part 3

Fair Value Disclosures, Part 3 (Details) - USD ($)		3 Months Ended	12 Months Ended
		Mar. 31, 2016	Dec. 31, 2015
Asset (Liability) Fair Value [Abstract]
Capitalized mortgage loan servicing rights		$ 10,454,000	$ 8,481,000
Impaired Loans Commercial [Member]
Impaired loan [Abstract]
Commercial	[1]	1,601,000	1,605,000
Unobservable Inputs Weighted Average [Abstract]
Total impaired collateral value		$ 200,000	$ 400,000
Impaired Loans Commercial [Member] | Minimum [Member]
Unobservable Inputs Weighted Average [Abstract]
Discount rate		0.00%	0.00%
Impaired Loans Commercial [Member] | Maximum [Member]
Unobservable Inputs Weighted Average [Abstract]
Discount rate		100.00%	100.00%
Mortgage [Member]
Impaired loan [Abstract]
Mortgage		$ 785,000	$ 550,000
Other Real Estate Commercial [Member]
Other real estate [Abstract]
Commercial		549,000	804,000
Mortgage and Installment [Member]
Other real estate [Abstract]
Mortgage and installment		$ 200,000	$ 183,000
Income Approach [Member] | Impaired Loans Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Capitalization rate			9.30%
Present Value of Net Servicing Revenue [Member]
Unobservable Inputs Weighted Average [Abstract]
Discount rate		10.04%	10.04%
Cost to service		$ 80	$ 80
Ancillary income		$ 24	$ 24
Float rate		1.17%	1.73%
Sales Comparison Approach [Member] | Impaired Loans Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales		(1.20%)	(2.10%)
Sales Comparison Approach [Member] | Mortgage [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales		2.20%	0.70%
Sales Comparison Approach [Member] | Other Real Estate Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales		(5.60%)	(3.90%)
Sales Comparison Approach [Member] | Mortgage and Installment [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales		58.50%	75.60%
[1]	In addition to the valuation techniques and unobservable inputs discussed above, at March 31, 2016 and December 31, 2015, we had an impaired collateral dependent commercial relationship that totaled $0.2 million and $0.4 million, respectively that was primarily secured by collateral other than real estate. Collateral securing this relationship primarily included machinery and equipment and inventory at March 31, 2016 and December 31, 2015. Valuation techniques at March 31, 2016 and December 31, 2015, included appraisals and discounting restructuring firm valuations based on estimates of value recovery of each particular asset type. Discount rates used ranged from 0% to 100% of stated values.

Fair Value Disclosures, Part 4

Fair Value Disclosures, Part 4 (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Fair value option - Loans held for sale [Abstract]
Loans held for sale	$ 28,016	$ 27,866
Difference	841	714
Aggregate Fair Value [Member]
Fair value option - Loans held for sale [Abstract]
Loans held for sale	28,016	27,866
Contractual Principal [Member]
Fair value option - Loans held for sale [Abstract]
Loans held for sale	$ 27,175	$ 27,152

Fair Values of Financial Inst53

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015
Assets [Abstract]
Interest bearing deposits - time		$ 10,178	$ 11,866
Trading securities		136	148
Securities available for sale		589,500	585,484
Federal Home Loan Bank and Federal Reserve Bank Stock		15,600	15,471
Liabilities [Abstract]
Other borrowings		11,953	11,954
Subordinated debentures		35,569	35,569
Reciprocal deposits included in deposits with no stated maturity		14,200	11,800
Reciprocal deposits included in deposits with stated maturity		36,100	38,400
Recorded Book Balance [Member]
Assets [Abstract]
Cash and due from banks		41,790	54,260
Interest bearing deposits		102,919	31,523
Interest bearing deposits - time		10,178	11,866
Trading securities		136	148
Securities available for sale		589,500	585,484
Federal Home Loan Bank and Federal Reserve Bank Stock		15,600	15,471
Net loans and loans held for sale		1,544,503	1,520,346
Accrued interest receivable		6,855	6,565
Derivative financial instruments		2,584	1,238
Liabilities [Abstract]
Deposits with no stated maturity	[1]	1,704,515	1,659,743
Deposits with stated maturity	[1]	450,191	426,220
Other borrowings		11,953	11,954
Subordinated debentures		35,569	35,569
Accrued interest payable		562	466
Derivative financial instruments		1,952	619
Fair Value [Member]
Assets [Abstract]
Cash and due from banks		41,790	54,260
Interest bearing deposits		102,919	31,523
Interest bearing deposits - time		10,214	11,858
Trading securities		136	148
Securities available for sale		589,500	585,484
Net loans and loans held for sale		1,513,641	1,472,613
Accrued interest receivable		6,855	6,565
Derivative financial instruments		2,584	1,238
Liabilities [Abstract]
Deposits with no stated maturity	[1]	1,704,515	1,659,743
Deposits with stated maturity	[1]	449,221	423,776
Other borrowings		13,425	13,448
Subordinated debentures		22,526	23,069
Accrued interest payable		562	466
Derivative financial instruments		1,952	619
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and due from banks		41,790	54,260
Interest bearing deposits		102,919	31,523
Interest bearing deposits - time		0	0
Trading securities		136	148
Securities available for sale		0	0
Net loans and loans held for sale		0	0
Accrued interest receivable		0	5
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity	[1]	1,704,515	1,659,743
Deposits with stated maturity	[1]	0	0
Other borrowings		0	0
Subordinated debentures		0	0
Accrued interest payable		21	21
Derivative financial instruments		0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Cash and due from banks		0	0
Interest bearing deposits		0	0
Interest bearing deposits - time		10,214	11,858
Trading securities		0	0
Securities available for sale		589,500	585,484
Net loans and loans held for sale		28,016	27,866
Accrued interest receivable		2,300	1,969
Derivative financial instruments		2,584	1,238
Liabilities [Abstract]
Deposits with no stated maturity	[1]	0	0
Deposits with stated maturity	[1]	449,221	423,776
Other borrowings		13,425	13,448
Subordinated debentures		22,526	23,069
Accrued interest payable		541	445
Derivative financial instruments		1,952	619
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Cash and due from banks		0	0
Interest bearing deposits		0	0
Interest bearing deposits - time		0	0
Trading securities		0	0
Securities available for sale		0	0
Net loans and loans held for sale		1,485,625	1,444,747
Accrued interest receivable		4,555	4,591
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity	[1]	0	0
Deposits with stated maturity	[1]	0	0
Other borrowings		0	0
Subordinated debentures		0	0
Accrued interest payable		0	0
Derivative financial instruments		$ 0	$ 0
[1]	Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $14.2 million and $11.8 million at March 31, 2016 and December 31, 2015, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $36.1 million and $38.4 million at March 31, 2016 and December 31, 2015, respectively.

Contingent Liabilities (Details

Contingent Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Loss Contingencies [Line Items]
Cash payment for litigation settlement relating to collection of vehicle service contracts counterparty receivables	$ 4,000
Aggregate amount of counterparty obligations	3,173		$ 7,229
VSC counterparty contingency expense	30	$ 29
Provision for loss reimbursement on sold loans	(15)	$ (69)
Reserve for loss reimbursement on sold mortgage loans	500		$ 500
Promissory Note [Member]
Loss Contingencies [Line Items]
Notes payable amount of settlement to counterparties	$ 1,500
Term of note	5 years
Pending Litigation [Member]
Loss Contingencies [Line Items]
Maximum range of reasonably possible loss	$ 1,000
Accounts Receivables Due to Mepco [Member]
Loss Contingencies [Line Items]
Installment payments period for service contract, minimum	12 months
Installment payments period for service contract, maximum	24 months

Accumulated Other Comprehensi55

Accumulated Other Comprehensive Loss (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accumulated Other Comprehensive Income Loss [Line Items]
Balance at beginning of period	$ 251,092	$ 250,371
Balance at end of period	239,545	253,625
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Total reclassifications before tax	6,057	5,561
Income tax expense	1,957	1,780
Reclassifications, net of tax	4,100	3,781
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Balance at beginning of period	(6,036)	(5,636)
Other comprehensive income before reclassifications	1,349	1,483
Amounts reclassified from AOCL	(112)	(49)
Net current period other comprehensive income	1,237	1,434
Balance at end of period	(4,799)	(4,202)
Unrealized Gains (Losses) on Available For Sale Securities [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Balance at beginning of period	(238)	162
Other comprehensive income before reclassifications	1,349	1,483
Amounts reclassified from AOCL	(112)	(49)
Net current period other comprehensive income	1,237	1,434
Balance at end of period	999	1,596
Unrealized Gains (Losses) on Available For Sale Securities [Member] | Reclassification Out Of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net gains on securities	174	75
Net impairment loss recognized in earnings	0	0
Total reclassifications before tax	174	75
Income tax expense	62	26
Reclassifications, net of tax	112	49
Disproportionate Tax Effects from Securities Available for Sale [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Balance at beginning of period	(5,798)	(5,798)
Other comprehensive income before reclassifications	0	0
Amounts reclassified from AOCL	0	0
Net current period other comprehensive income	0	0
Balance at end of period	$ (5,798)	$ (5,798)