Independent Bank (IBCP) 10-Q 4 Aug 16 2016 Q2 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
	Jun. 30, 2016	Aug. 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		21,223,212
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q2
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Jun. 30, 2016

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition (unaudited) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 34,542	$ 54,260
Interest bearing deposits	26,488	31,523
Cash and Cash Equivalents	61,030	85,783
Interest bearing deposits - time	8,560	11,866
Trading securities	212	148
Securities available for sale	599,755	585,484
Federal Home Loan Bank and Federal Reserve Bank stock, at cost	15,229	15,471
Loans held for sale, carried at fair value	31,713	27,866
Loans
Commercial	792,000	748,398
Mortgage	506,021	500,454
Installment	252,712	231,599
Payment plan receivables	31,389	34,599
Total Loans	1,582,122	1,515,050
Allowance for loan losses	(22,712)	(22,570)
Net Loans	1,559,410	1,492,480
Other real estate and repossessed assets	5,572	7,150
Property and equipment, net	41,044	43,103
Bank-owned life insurance	54,990	54,402
Deferred tax assets, net	35,257	39,635
Capitalized mortgage loan servicing rights	10,331	12,436
Vehicle service contract counterparty receivables, net	3,036	7,229
Other intangibles	2,106	2,280
Accrued income and other assets	24,451	23,733
Total Assets	2,452,696	2,409,066
Deposits
Non-interest bearing	678,489	659,793
Savings and interest-bearing checking	997,102	988,174
Reciprocal	49,355	50,207
Time	403,346	387,789
Total Deposits	2,128,292	2,085,963
Other borrowings	11,797	11,954
Subordinated debentures	35,569	35,569
Vehicle service contract counterparty payables	1,066	797
Accrued expenses and other liabilities	29,049	23,691
Total Liabilities	2,205,773	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: 21,315,881 shares at June 30, 2016 and 22,251,373 shares at December 31, 2015	324,268	339,462
Accumulated deficit	(74,062)	(82,334)
Accumulated other comprehensive loss	(3,283)	(6,036)
Total Shareholders' Equity	246,923	251,092
Total Liabilities and Shareholders' Equity	$ 2,452,696	$ 2,409,066

Condensed Consolidated Stateme3

Condensed Consolidated Statements of Financial Condition (unaudited) (Parenthetical) - $ / shares	Jun. 30, 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)	21,315,881	22,251,373
Common stock, shares outstanding (in shares)	21,315,881	22,251,373

Condensed Consolidated Stateme4

Condensed Consolidated Statements of Operations (unaudited) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Interest Income
Interest and fees on loans		$ 18,208	$ 17,751	$ 36,764	$ 34,990
Interest on securities
Taxable		2,480	1,869	4,724	3,627
Tax-exempt		282	222	530	439
Other investments		297	289	603	627
Total Interest Income		21,267	20,131	42,621	39,683
Interest Expense
Deposits		1,152	967	2,266	1,974
Other borrowings		485	463	962	917
Total Interest Expense		1,637	1,430	3,228	2,891
Net Interest Income		19,630	18,701	39,393	36,792
Provision for loan losses		(734)	(134)	(1,264)	(793)
Net Interest Income After Provision for Loan Losses		20,364	18,835	40,657	37,585
Non-Interest Income
Service charges on deposit accounts		3,038	3,117	5,883	5,967
Interchange income		1,976	2,240	3,854	4,382
Net gains (losses) on assets
Mortgage loans		2,529	1,784	4,171	3,923
Securities		185	(33)	347	52
Mortgage loan servicing, net		(334)	1,452	(1,312)	1,032
Title insurance fees		253	337	541	593
Other		1,933	2,090	3,905	4,000
Total Non-Interest Income		9,580	10,987	17,389	19,949
Non-Interest Expense
Compensation and employee benefits		12,000	11,791	23,881	23,576
Occupancy, net		1,856	2,040	4,063	4,459
Data processing		1,936	2,027	4,037	3,957
Furniture, fixtures and equipment		965	965	1,949	1,917
Communications		722	694	1,610	1,430
Loan and collection		571	967	1,396	2,122
Advertising		478	448	955	932
Legal and professional		345	453	758	833
FDIC deposit insurance		331	351	665	694
Interchange expense		267	289	533	580
Credit card and bank service fees		198	203	385	405
Vehicle service contract counterparty contingencies		(1)	30	29	59
Provision for loss reimbursement on sold loans		0	45	(15)	(24)
Costs (recoveries) related to unfunded lending commitments		(80)	4	(67)	20
Net gains on other real estate and repossessed assets		(159)	(139)	(165)	(178)
Other		1,466	1,411	2,926	2,948
Total Non-Interest Expense		20,895	21,579	42,940	43,730
Income Before Income Tax		9,049	8,243	15,106	13,804
Income tax expense		2,611	2,624	4,568	4,404
Net Income		$ 6,438	$ 5,619	$ 10,538	$ 9,400
Net Income Per Common Share
Basic (in dollars per share)	[1]	$ 0.30	$ 0.25	$ 0.49	$ 0.41
Diluted (in dollars per share)		0.30	0.24	0.48	0.40
Dividends Per Common Share
Declared (in dollars per share)		0.08	0.06	0.16	0.12
Paid (in dollars per share)		$ 0.08	$ 0.06	$ 0.16	$ 0.12
[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		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Condensed Consolidated Statements of Comprehensive Income (unaudited) [Abstract]
Net income	$ 6,438	$ 5,619	$ 10,538	$ 9,400
Securities available for sale
Unrealized gains (losses) arising during period	2,334	(1,806)	4,448	464
Change in unrealized gains (losses) for which a portion of other than temporary impairment has been recognized in earnings	107	(21)	71	(10)
Reclassification adjustments for gains included in earnings	(109)	0	(283)	(75)
Unrealized gains (losses) recognized in other comprehensive income (loss) on securities available for sale	2,332	(1,827)	4,236	379
Income tax expense (benefit)	816	(639)	1,483	133
Unrealized gains (losses) recognized in other comprehensive income (loss) on available for sale securities, net of tax	1,516	(1,188)	2,753	246
Other comprehensive income (loss)	1,516	(1,188)	2,753	246
Comprehensive income	$ 7,954	$ 4,431	$ 13,291	$ 9,646

Condensed Consolidated Stateme6

Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015
Condensed Consolidated Statements of Cash Flows (unaudited) [Abstract]
Net income	$ 10,538	$ 9,400
Adjustments to Reconcile Net Income to Net Cash From Operating Activities
Proceeds from sales of loans held for sale	129,838	154,938
Disbursements for loans held for sale	(129,514)	(157,871)
Provision for loan losses	(1,264)	(793)
Deferred federal income tax expense	5,625	4,475
Deferred loan fees	(987)	(930)
Depreciation, amortization of intangible assets and premiums and accretion of discounts on securities, loans and interest bearning deposits - time	2,507	2,228
Net gains on mortgage loans	(4,171)	(3,923)
Net gains on securities	(347)	(52)
Net gains on other real estate and repossessed assets	(165)	(178)
Vehicle service contract counterparty contingencies	29	59
Share based compensation	825	772
(Increase) decrease in accrued income and other assets	(1,051)	551
Increase (decrease) in accrued expenses and other liabilities	2,639	(894)
Total Adjustments	3,964	(1,618)
Net Cash From Operating Activities	14,502	7,782
Cash Flow Used in Investing Activities
Proceeds from the sale of securities available for sale	55,362	11,786
Proceeds from the maturity of securities available for sale	21,413	16,047
Principal payments received on securities available for sale	74,212	58,587
Purchases of securities available for sale	(159,698)	(111,908)
Purchases of interest bearing deposits - time	0	(245)
Proceeds from the maturity of interest bearing deposits - time	3,290	2,915
Purchase of Federal Reserve Bank stock	(129)	(132)
Redemption of Federal Reserve Bank stock	371	391
Redemption of Federal Home Loan Bank stock	0	4,514
Net increase in portfolio loans (loans originated, net of principal payments)	(64,236)	(39,442)
Proceeds from the collection of vehicle service contract counterparty receivables	4,458	15
Proceeds from the sale of other real estate and repossessed assets	3,018	4,515
Proceeds from life insurance	742	0
Proceeds from the sale of property and equipment	23	490
Capital expenditures	(990)	(1,898)
Net Cash Used in Investing Activities	(62,164)	(54,365)
Cash Flow From Financing Activities
Net increase in total deposits	42,329	37,115
Net decrease in other borrowings	(1)	(1)
Payments of Federal Home Loan Bank advances	(156)	(144)
Net increase in vehicle service contract counterparty payables	269	328
Dividends paid	(3,451)	(2,760)
Proceeds from issuance of common stock	56	80
Repurchase of common stock	(15,510)	(3,668)
Share based compensation withholding obligation	(627)	(66)
Net Cash From Financing Activities	22,909	30,884
Net Decrease in Cash and Cash Equivalents	(24,753)	(15,699)
Cash and Cash Equivalents at Beginning of Period	85,783	74,016
Cash and Cash Equivalents at End of Period	61,030	58,317
Cash paid during the period for
Interest	3,158	2,878
Income taxes	360	91
Transfers to other real estate and repossessed assets	1,275	2,354
Transfer of payment plan receivables to vehicle service contract counterparty receivables	294	110
Purchase of securities available for sale not yet settled	$ 2,342	$ 0

Condensed Consolidated Stateme7

Condensed Consolidated Statements of Shareholders' Equity (unaudited) $ in Thousands	USD ($)
Balance at beginning of period at Dec. 31, 2014	$ 250,371
Balance at beginning of period, as adjusted at Dec. 31, 2014	250,371
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	9,400
Cash dividends declared	(2,760)
Issuance of common stock	80
Share based compensation	772
Share based compensation withholding obligation	(66)
Repurchase of common stock	(3,668)
Net change in accumulated other comprehensive loss, net of related tax effect	246
Balance at end of period at Jun. 30, 2015	254,375
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	5,619
Net change in accumulated other comprehensive loss, net of related tax effect	(1,188)
Balance at end of period at Jun. 30, 2015	254,375
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cumulative effect of change in accounting principle	0
Balance at beginning of period at Dec. 31, 2015	251,092
Balance at beginning of period, as adjusted at Dec. 31, 2015	252,339
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	10,538
Cash dividends declared	(3,451)
Issuance of common stock	56
Share based compensation	825
Share based compensation withholding obligation	(627)
Repurchase of common stock	(15,510)
Net change in accumulated other comprehensive loss, net of related tax effect	2,753
Balance at end of period at Jun. 30, 2016	246,923
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	6,438
Net change in accumulated other comprehensive loss, net of related tax effect	1,516
Balance at end of period at Jun. 30, 2016	246,923
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cumulative effect of change in accounting principle	$ 1,247

Preparation of Financial Statem

Preparation of Financial Statements	6 Months Ended
	Jun. 30, 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 June 30, 2016 and December 31, 2015, and the results of operations for the three and six-month periods ended June 30, 2016 and 2015. The results of operations for the three and six -month periods ended June 30, 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	6 Months Ended
	Jun. 30, 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. We adopted this amended guidance during the second quarter of 2016 using a modified retrospective approach. The impact of this adoption was to adjust our January 1, 2016 Condensed Consolidated Statement of Financial Position to reflect cumulative effect adjustments as follows: January 1, 2016 Originally Presented Cumulative Retrospective Adjustments January 1, 2016 Adjusted (Dollars in thousands) Deferred tax assets $ 39,635 $ 1,247 $ 40,882 Total assets $ 2,409,066 $ 1,247 $ 2,410,313 Common stock $ 339,462 $ 62 $ 339,524 Accumulated deficit $ (82,334 ) $ 1,185 $ (81,149 ) Total Shareholders’ Equity $ 251,092 $ 1,247 $ 252,339 Total Liabilities and Shareholders’ Equity $ 2,409,066 $ 1,247 $ 2,410,313 The adjustments above reflect the recording of $1.23 million of unrealized excess benefits on share based compensation and $0.06 million (impact to equity of $0.02 million after consideration of deferred taxes) for the impact of making an accounting policy election to account for forfeitures as they occur. After January 1, 2016, excess tax benefits or deficiencies resulting from share-based payments will be recognized as tax benefit or expense when they occur. A tax benefit of $0.3 million was recorded during the three months ended June 30, 2016 as a result of share awards vesting during the period. In addition, we have elected to apply the amendments related to the presentation of excess tax benefits in the statement of cash flows on a prospective basis. In June 2016, the FASB issued ASU 2016-13, “ Financial Instruments — Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments significantly changes how entities will measure credit losses for most financial assets and certain other instruments that aren’t measured at fair value through net income. This ASU will replace today’s “incurred loss” approach with an “expected loss” model for instruments measured at amortized cost. For available-for-sale debt securities, allowances will be recorded rather than reducing the carrying amount as is done under the current other-than-temporary impairment model. This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans.

Securities

Securities	6 Months Ended
	Jun. 30, 2016
Securities [Abstract]
Securities	3. Securities Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) June 30, 2016 U.S. agency $ 31,165 $ 552 $ 38 $ 31,679 U.S. agency residential mortgage-backed 180,415 1,783 135 182,063 U.S. agency commercial mortgage-backed 7,832 167 3 7,996 Private label mortgage-backed 26,202 343 299 26,246 Other asset backed 139,895 298 347 139,846 Obligations of states and political subdivisions 156,663 2,311 633 158,341 Corporate 49,150 521 144 49,527 Trust preferred 2,920 - 523 2,397 Foreign government 1,644 16 0 1,660 Total $ 595,886 $ 5,991 $ 2,122 $ 599,755 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 Fair Value Unrealized Losses (In thousands) June 30, 2016 U.S. agency $ 3,432 $ 7 $ 6,168 $ 31 $ 9,600 $ 38 U.S. agency residential mortgage-backed 23,927 53 13,743 82 37,670 135 U.S. agency commercial mortgage-backed 548 2 199 1 747 3 Private label mortgage- backed 2,566 8 1,521 291 4,087 299 Other asset backed 42,783 161 12,079 186 54,862 347 Obligations of states and political subdivisions 12,316 227 10,176 406 22,492 633 Corporate 4,033 19 3,878 125 7,911 144 Trust preferred - - 2,397 523 2,397 523 Total $ 89,605 $ 477 $ 50,161 $ 1,645 $ 139,766 $ 2,122 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 June 30, 2016, we had 19 U.S. agency, 56 U.S. agency residential mortgage-backed and four 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 June 30, 2016, we had nine of this type of security whose fair value is less than amortized cost. The unrealized losses are primarily attributed to four securities purchased prior to 2016. Two of these four securities have an impairment in excess of 10% and three of these holdings have been impaired for more than 12 months. The unrealized losses are largely attributable to credit spread widening on these four securities since their acquisition. These four 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 four 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 all four of these securities whose fair value is less than amortized cost. 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 June 30, 2016, we had 88 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 June 30, 2016, we had 52 municipal securities whose fair value is less than amortized cost. The unrealized losses are primarily due to increases in interest rates since acquisition. One of these securities has an impairment in excess of 10%. 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 June 30, 2016, we had eight 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 June 30, 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 $0.7 million as of June 30, 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 June 30, 2016 and December 31, 2015: June 30, 2016 December 31, 2015 Fair Value Net Unrealized Loss Fair Value Net Unrealized Loss (In thousands) Trust preferred securities Rated issues $ 1,650 $ (270 ) $ 1,690 $ (226 ) Unrated issues 747 (253 ) 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. We recorded no credit related OTTI charges in our Condensed Consolidated Statements of Operations related to securities available for sale during the three or six month periods ended June 30, 2016 and 2015, respectively. At June 30, 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 June 30, 2016 Fair value $ 1,469 $ 1,194 $ 76 $ 2,739 Amortized cost 1,396 1,129 - 2,525 Non-credit unrealized loss - - - - Unrealized gain 73 65 76 214 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 June 30, 2016 $ - $ - $ - $ - 2015 - - - - For the six months ended June 30, 2016 - - - - 2015 - - - - Each of these securities is receiving principal and interest payments similar to principal reductions in the underlying collateral. All three of these securities have unrealized gains at June 30, 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 these securities is now less than previously recorded credit related OTTI amounts. A roll forward of credit losses recognized in earnings on securities available for sale for the three and six month periods ending June 30, follows: Three months ended June 30, Six months ended June 30, 2016 2015 2016 2015 (In thousands) (In thousands) Balance at beginning of period $ 1,844 $ 1,844 $ 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 $ 1,844 $ 1,844 The amortized cost and fair value of securities available for sale at June 30, 2016, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 27,502 $ 27,533 Maturing after one year but within five years 79,845 80,614 Maturing after five years but within ten years 66,708 67,656 Maturing after ten years 67,487 67,801 241,542 243,604 U.S. agency residential mortgage-backed 180,415 182,063 U.S. agency commercial mortgage-backed 7,832 7,996 Private label residential mortgage-backed 26,202 26,246 Other asset backed 139,895 139,846 Total $ 595,886 $ 599,755 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 six month periods ending June 30, follows: Proceeds Realized Gains Losses (In thousands) 2016 $ 55,362 $ 336 $ 53 2015 11,786 75 - During 2016 and 2015, our trading securities consisted of various preferred stocks. During the first six months of 2016 and 2015, we recognized gains (losses) on trading securities of $0.064 million and $(0.023) million, respectively, that are included in net gains on securities in the . Both of these amounts relate to gains (losses) recognized on trading securities still held at each respective period end.

Loans

Loans	6 Months Ended
	Jun. 30, 2016
Loans [Abstract]
Loans	. 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 June 30, follows: Commercial Mortgage Installment Payment Plan Receivables Subjective Allocation Total (In thousands) 2016 Balance at beginning of period $ 5,622 $ 10,296 $ 1,161 $ 53 $ 5,363 $ 22,495 Additions (deductions) Provision for loan losses (663 ) (359 ) 126 (1 ) 163 (734 ) Recoveries credited to allowance 1,114 294 351 - - 1,759 Loans charged against the allowance (34 ) (275 ) (499 ) - - (808 ) Balance at end of period $ 6,039 $ 9,956 $ 1,139 $ 52 $ 5,526 $ 22,712 2015 Balance at beginning of period $ 5,916 $ 12,081 $ 1,564 $ 62 $ 5,056 $ 24,679 Additions (deductions) Provision for loan losses 177 (101 ) (45 ) 3 (168 ) (134 ) Recoveries credited to allowance 652 319 284 - - 1,255 Loans charged against the allowance (38 ) (834 ) (342 ) - - (1,214 ) Balance at end of period $ 6,707 $ 11,465 $ 1,461 $ 65 $ 4,888 $ 24,586 An analysis of the allowance for loan losses by portfolio segment for the six months ended June 30, 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 (1,067 ) (638 ) 191 (4 ) 254 (1,264 ) Recoveries credited to allowance 1,470 676 572 - - 2,718 Loans charged against the allowance (34 ) (473 ) (805 ) - - (1,312 ) Balance at end of period $ 6,039 $ 9,956 $ 1,139 $ 52 $ 5,526 $ 22,712 2015 Balance at beginning of period $ 5,445 $ 13,444 $ 1,814 $ 64 $ 5,223 $ 25,990 Additions (deductions) Provision for loan losses 505 (834 ) (130 ) 1 (335 ) (793 ) Recoveries credited to allowance 1,085 557 603 - - 2,245 Loans charged against the allowance (328 ) (1,702 ) (826 ) - - (2,856 ) Balance at end of period $ 6,707 $ 11,465 $ 1,461 $ 65 $ 4,888 $ 24,586 Allowance for loan losses and recorded investment in loans by portfolio segment follows: Commercial Mortgage Installment Payment Plan Receivables Subjective Allocation Total (In thousands) June 30, 2016 Allowance for loan losses Individually evaluated for impairment $ 3,271 $ 7,262 $ 408 $ - $ - $ 10,941 Collectively evaluated for impairment 2,768 2,694 731 52 5,526 11,771 Total ending allowance balance $ 6,039 $ 9,956 $ 1,139 $ 52 $ 5,526 $ 22,712 Loans Individually evaluated for impairment $ 17,802 $ 63,430 $ 5,427 $ - $ 86,659 Collectively evaluated for impairment 775,794 444,865 247,973 31,389 1,500,021 Total loans recorded investment 793,596 508,295 253,400 31,389 1,586,680 Accrued interest included in recorded investment 1,596 2,274 688 - 4,558 Total loans $ 792,000 $ 506,021 $ 252,712 $ 31,389 $ 1,582,122 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) June 30, 2016 Commercial Income producing - real estate $ - $ 950 $ 950 Land, land development and construction - real estate - 133 133 Commercial and industrial 95 2,533 2,628 Mortgage 1-4 family - 5,013 5,013 Resort lending - 803 803 Home equity - 1st lien - 180 180 Home equity - 2nd lien - 262 262 Purchased loans - 6 6 Installment Home equity - 1st lien - 181 181 Home equity - 2nd lien - 327 327 Loans not secured by real estate - 382 382 Other - 15 15 Payment plan receivables Full refund - 2 2 Partial refund - 13 13 Other - 3 3 Total recorded investment $ 95 $ 10,803 $ 10,898 Accrued interest included in recorded investment $ 1 $ - $ 1 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) June 30, 2016 Commercial Income producing - real estate $ 30 $ 176 $ 774 $ 980 $ 306,698 $ 307,678 Land, land development and construction - real estate 9 114 133 256 48,189 48,445 Commercial and industrial 205 194 516 915 436,558 437,473 Mortgage 1-4 family 2,142 687 5,013 7,842 281,979 289,821 Resort lending 328 78 803 1,209 107,824 109,033 Home equity - 1st lien 228 35 180 443 26,988 27,431 Home equity - 2nd lien 494 152 262 908 51,461 52,369 Purchased loans 5 1 6 12 29,629 29,641 Installment Home equity - 1st lien 268 37 181 486 14,430 14,916 Home equity - 2nd lien 210 121 327 658 16,612 17,270 Loans not secured by real estate 239 128 382 749 218,181 218,930 Other 13 - 15 28 2,256 2,284 Payment plan receivables Full refund 377 137 2 516 12,683 13,199 Partial refund 397 116 13 526 10,572 11,098 Other 230 68 3 301 6,791 7,092 Total recorded investment $ 5,175 $ 2,044 $ 8,610 $ 15,829 $ 1,570,851 $ 1,586,680 Accrued interest included in recorded investment $ 44 $ 22 $ 1 $ 67 $ 4,491 $ 4,558 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 : June 30, 2016 December 31, 2015 Impaired loans with no allocated allowance (In thousands) TDR $ 173 $ 2,518 Non - TDR 542 203 Impaired loans with an allocated allowance TDR - allowance based on collateral 5,036 4,810 TDR - allowance based on present value cash flow 80,205 81,002 Non - TDR - allowance based on collateral 398 260 Non - TDR - allowance based on present value cash flow - - Total impaired loans $ 86,354 $ 88,793 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 2,127 $ 2,436 TDR - allowance based on present value cash flow 8,603 8,471 Non - TDR - allowance based on collateral 211 76 Non - TDR - allowance based on present value cash flow - - Total amount of allowance for loan losses allocated $ 10,941 $ 10,983 Impaired loans by class are as follows (1): June 30, 2016 December 31, 2015 Recorded Investment Unpaid Principal Balance Related Recorded Unpaid Related With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 560 $ 806 $ - $ 641 $ 851 $ - Land, land development & construction-real estate 133 709 - 818 1,393 - Commercial and industrial - - - 1,245 1,241 - Mortgage 1-4 family 22 348 - 23 183 - Resort lending - - - - - - Home equity - 1st lien - - - - - - Home equity - 2nd lien - - - - - - Installment Home equity - 1st lien - 43 - - 76 - Home equity - 2nd lien - - - - - - Loans not secured by real estate - - - - - - Other - - - - - - 715 1,906 - 2,727 3,744 - With an allowance recorded: Commercial Income producing - real estate 8,186 8,935 663 8,377 9,232 516 Land, land development & construction-real estate 1,844 1,843 158 1,690 1,778 296 Commercial and industrial 7,079 7,359 2,450 4,097 4,439 1,896 Mortgage 1-4 family 45,474 47,259 4,700 47,792 49,808 5,132 Resort lending 17,449 17,484 2,529 18,148 18,319 2,662 Home equity - 1st lien 243 246 11 168 172 9 Home equity - 2nd lien 242 324 22 244 325 15 Installment Home equity - 1st lien 2,172 2,315 130 2,364 2,492 143 Home equity - 2nd lien 2,709 2,725 245 2,929 2,951 271 Loans not secured by real estate 541 575 33 587 658 42 Other 5 5 - 8 8 1 85,944 89,070 10,941 86,404 90,182 10,983 Total Commercial Income producing - real estate 8,746 9,741 663 9,018 10,083 516 Land, land development & construction-real estate 1,977 2,552 158 2,508 3,171 296 Commercial and industrial 7,079 7,359 2,450 5,342 5,680 1,896 Mortgage 1-4 family 45,496 47,607 4,700 47,815 49,991 5,132 Resort lending 17,449 17,484 2,529 18,148 18,319 2,662 Home equity - 1st lien 243 246 11 168 172 9 Home equity - 2nd lien 242 324 22 244 325 15 Installment Home equity - 1st lien 2,172 2,358 130 2,364 2,568 143 Home equity - 2nd lien 2,709 2,725 245 2,929 2,951 271 Loans not secured by real estate 541 575 33 587 658 42 Other 5 5 - 8 8 1 Total $ 86,659 $ 90,976 $ 10,941 $ 89,131 $ 93,926 $ 10,983 Accrued interest included in recorded investment $ 305 $ 338 (1) There were no impaired payment plan receivables or purchased mortgage loans at June 30, 2016 or December 31, 2015. Average recorded investment in and interest income earned on impaired loans by class for the three month periods ending June 30, 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 $ 673 $ - $ 5,658 $ 50 Land, land development & construction-real estate 335 - 1,021 15 Commercial and industrial 609 - 2,855 37 Mortgage 1-4 family 11 5 25 2 Resort lending - - 7 - Home equity - 1st lien - - - - Home equity - 2nd lien - - - - Installment Home equity - 1st lien 1 - - 1 Home equity - 2nd lien 7 - - - Loans not secured by real estate - - - - Other - - - - 1,636 5 9,566 105 With an allowance recorded: Commercial Income producing - real estate 8,210 100 12,878 163 Land, land development & construction-real estate 1,664 13 1,943 13 Commercial and industrial 6,203 59 7,863 67 Mortgage 1-4 family 46,041 475 50,931 539 Resort lending 17,689 159 18,482 173 Home equity - 1st lien 243 2 160 2 Home equity - 2nd lien 181 4 185 4 Installment Home equity - 1st lien 2,230 42 2,576 44 Home equity - 2nd lien 2,751 41 3,101 49 Loans not secured by real estate 555 10 668 9 Other 6 - 11 1 85,773 905 98,798 1,064 Total Commercial Income producing - real estate 8,883 100 18,536 213 Land, land development & construction-real estate 1,999 13 2,964 28 Commercial and industrial 6,812 59 10,718 104 Mortgage 1-4 family 46,052 480 50,956 541 Resort lending 17,689 159 18,489 173 Home equity - 1st lien 243 2 160 2 Home equity - 2nd lien 181 4 185 4 Installment Home equity - 1st lien 2,231 42 2,576 45 Home equity - 2nd lien 2,758 41 3,101 49 Loans not secured by real estate 555 10 668 9 Other 6 - 11 1 Total $ 87,409 $ 910 $ 108,364 $ 1,169 (1) There were no impaired payment plan receivables or purchased mortgage loans during the three month periods ended June 30, 2016 and 2015, respectively. Average recorded investment in and interest income earned on impaired loans by class for the six month periods ending June 30, 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 $ 662 $ 2 $ 5,728 $ 103 Land, land development & construction-real estate 496 7 1,031 49 Commercial and industrial 821 21 2,798 74 Mortgage 1-4 family 15 6 17 2 Resort lending - - 20 - 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 5 - - - Loans not secured by real estate - - - - Other - - - - 1,999 37 9,594 229 With an allowance recorded: Commercial Income producing - real estate 8,266 207 12,864 320 Land, land development & construction-real estate 1,673 26 2,447 27 Commercial and industrial 5,501 82 7,992 133 Mortgage 1-4 family 46,625 977 51,689 1,090 Resort lending 17,842 319 18,587 344 Home equity line of credit - 1st lien 218 4 160 4 Home equity line of credit - 2nd lien 202 5 165 6 Installment Home equity installment - 1st lien 2,274 84 2,632 94 Home equity installment - 2nd lien 2,810 85 3,138 100 Loans not secured by real estate 566 19 682 19 Other 6 - 11 1 85,983 1,808 100,367 2,138 Total Commercial Income producing - real estate 8,928 209 18,592 423 Land, land development & construction-real estate 2,169 33 3,478 76 Commercial and industrial 6,322 103 10,790 207 Mortgage 1-4 family 46,640 983 51,706 1,092 Resort lending 17,842 319 18,607 344 Home equity line of credit - 1st lien 218 4 160 4 Home equity line of credit - 2nd lien 202 5 165 6 Installment Home equity installment - 1st lien 2,274 85 2,632 95 Home equity installment - 2nd lien 2,815 85 3,138 100 Loans not secured by real estate 566 19 682 19 Other 6 - 11 1 Total $ 87,982 $ 1,845 $ 109,961 $ 2,367 (1) There were no impaired payment plan receivables or purchased mortgage loans during the six month periods ended June 30, 2016 and 2015, respectively. Our average investment in impaired loans was approximately $87.4 million and $108.4 million for the three-month periods ended June 30, 2016 and 2015, respectively and $88.0 million and $110.0 million for the six-month periods ended June 30, 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 June 30, 2016 and 2015, was approximately $0.9 million and $1.2 million, respectively and was approximately $1.8 million and $2.4 million during the six months ending June 30, 2016 and 2015, respectively. Troubled debt restructurings follow: June 30, 2016 Commercial Retail Total (In thousands) Performing TDRs $ 14,130 $ 64,818 $ 78,948 Non-performing TDRs(1) 2,678 3,788 (2) 6,466 Total $ 16,808 $ 68,606 $ 85,414 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 June 30, 2016 and December 31, 2015, respectively. During the six months ended June 30, 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 Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance (Dollars in thousands) 2016 Commercial Income producing - real estate - $ - $ - Land, land development & construction-real estate - - - Commercial and industrial - - - Mortgage 1-4 family 1 109 110 Resort lending - - - Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 3 29 29 Home equity - 2nd lien 2 71 73 Loans not secured by real estate 1 12 12 Other - - - Total 7 $ 221 $ 224 2015 Commercial Income producing - real estate 1 $ 73 $ 73 Land, land development & construction-real estate - - - Commercial and industrial 1 17 17 Mortgage 1-4 family 1 25 40 Resort lending 1 313 309 Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 1 23 24 Home equity - 2nd lien 3 58 58 Loans not secured by real estate 1 - 6 Other - - - Total 9 $ 509 $ 527 Loans that have been classified as troubled debt restructurings during the six-month periods ended 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 3 192 263 Resort lending 1 116 117 Home equity - 1st lien 1 107 78 Home equity - 2nd lien - - - Installment Home equity - 1st lien 4 59 60 Home equity - 2nd lien 4 126 129 Loans not secured by real estate 1 12 12 Other - - - Total 20 $ 2,480 $ 2,527 2015 Commercial Income producing - real estate 2 $ 229 $ 234 Land, land development & construction-real estate - - - Commercial and industrial 3 253 247 Mortgage 1-4 family 6 1,030 845 Resort lending 1 313 309 Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 5 190 164 Home equity - 2nd lien 3 58 58 Loans not secured by real estate 1 - 6 Other - - - Total 21 $ 2,073 $ 1,863 The troubled debt restructurings described above for 2016 had no impact on the allowance for loan losses and resulted in zero charge offs during the three months ended June 30, 2016, and increased the allowance by $0.3 million and resulted in zero charge offs during the six months ended June 30, 2016. The troubled debt restructurings described above for 2015 increased the allowance for loan losses by $0.1 million and resulted in zero charge offs during the three months ended June 30, 2015, and increased the allowance by $0.1 million and resulted in zero charge offs during the six months ended June 30, 2015. Loans that have been classified as troubled debt restructurings during the past twelve months and that 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 65 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 1 4 Other - - 2 $ 69 Loans that have been classified as troubled debt restructurings during the past twelve months and that 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 2 157 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 1 4 Other - - 3 $ 161 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 during the three and six months ended June 30, 2016. The troubled debt restructurings that subsequently defaulted described above for 2015 had no impact on the allowance for loan losses and resulted in zero charge offs during the three months ended June 30, 2015 and decreased the allowance for loan losses by $0.01 million and resulted in zero charge offs during the six months ended June 30, 2015. 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 Watch Substandard Non- Total (In thousands) June 30, 2016 Income producing - real estate $ 300,344 $ 5,334 $ 1,050 $ 950 $ 307,678 Land, land development and construction - real estate 46,529 1,669 114 133 48,445 Commercial and industrial 416,102 12,516 6,322 2,533 437,473 Total $ 762,975 $ 19,519 $ 7,486 $ 3,616 $ 793,596 Accrued interest included in total $ 1,509 $ 62 $ 25 $ - $ 1,596 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) June 30, 2016 800 and above $ 31,459 $ 12,187 $ 6,000 $ 8,476 $ 2,287 $ 60,409 750-799 83,455 39,058 9,279 18,317 19,259 169,368 700-749 59,358 31,410 4,840 10,455 7,601 113,664 650-699 52,187 13,815 3,646 8,249 - 77,897 600-649 28,791 6,525 1,347 3,375 - 40,038 550-599 15,745 2,485 743 1,573 - 20,546 500-549 8,594 882 581 1,280 - 11,337 Under 500 5,332 600 172 305 - 6,409 Unknown 4,900 2,071 823 339 494 8,627 Total $ 289,821 $ 109,033 $ 27,431 $ 52,369 $ 29,641 $ 508,295 Accrued interest included in total $ 1,383 $ 479 $ 104 $ 210 $ 98 $ 2,274 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) June 30, 2016 800 and above $ 1,518 $ 2,133 $ 50,680 $ 81 $ 54,412 750-799 3,337 4,198 101,146 577 109,258 700-749 2,383 3,299 38,660 694 45,036 650-699 2,863 3,503 18,041 477 24,884 600-649 2,356 1,820 4,311 285 8,772 550-599 1,363 1,423 1,855 64 4,705 500-549 922 649 1,212 50 2,833 Under 500 141 240 345 25 751 Unknown 33 5 2,680 31 2,749 Total $ 14,916 $ 17,270 $ 218,930 $ 2,284 $ 253,400 Accrued interest included in total $ 57 $ 64 $ 551 $ 16 $ 688 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 June 30, 2016, approximately 42.0% 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 35.4% of Mepco’s outstanding payment plan receivables as of June 30, 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) June 30, 2016 AM Best rating A+ $ - $ 11 $ - $ 11 A 1,358 9,715 - 11,073 A- 1,644 1,333 3,374 6,351 B+ - - 3,717 3,717 Not rated 10,197 39 1 10,237 Total $ 13,199 $ 11,098 $ 7,092 $ 31,389 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 $1.9 million and $2.8 million at June 30, 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 $1.1 million at both June 30, 2016 and December 31, 2015.

Segments

Segments	6 Months Ended
	Jun. 30, 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 June 30, 2016 $ 2,391,120 $ 50,178 $ 282,570 $ (271,172 ) $ 2,452,696 December 31, 2015 2,340,566 57,208 286,936 (275,644 ) 2,409,066 For the three months ended June 30, 2016 Interest income $ 20,216 $ 1,052 $ 12 $ (13 ) $ 21,267 Net interest income 18,989 915 (274 ) 0 19,630 Provision for loan losses (734 ) 0 0 0 (734 ) Income (loss) before income tax 9,298 49 (274 ) (24 ) 9,049 Net income (loss) 6,550 32 (129 ) (15 ) 6,438 2015 Interest income $ 18,701 $ 1,430 $ 20 $ (20 ) $ 20,131 Net interest income 17,717 1,218 (234 ) - 18,701 Provision for loan losses (138 ) 4 - - (134 ) Income (loss) before income tax 8,843 (221 ) (356 ) (23 ) 8,243 Net income (loss) 5,935 (77 ) (225 ) (14 ) 5,619 For the six months ended June 30, 2016 Interest income $ 40,459 $ 2,162 $ 17 $ (17 ) $ 42,621 Net interest income 38,091 1,847 (545 ) - 39,393 Provision for loan losses (1,260 ) (4 ) - - (1,264 ) Income (loss) before income tax 16,160 (310 ) (697 ) (47 ) 15,106 Net income (loss) 11,169 (205 ) (396 ) (30 ) 10,538 2015 Interest income $ 36,922 $ 2,761 $ 40 $ (40 ) $ 39,683 Net interest income 34,900 2,353 (461 ) - 36,792 Provision for loan losses (794 ) 1 - - (793 ) Income (loss) before income tax 15,102 (512 ) (739 ) (47 ) 13,804 Net income (loss) 10,168 (269 ) (469 ) (30 ) 9,400 (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	6 Months Ended
	Jun. 30, 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 June 30, Six Months Ended June 30, 2016 2015 2016 2015 (In thousands, except per share amounts) Net income $ 6,438 $ 5,619 $ 10,538 $ 9,400 Weighted average shares outstanding (1) 21,281 22,889 21,516 22,943 Stock units for deferred compensation plan for non-employee directors 114 111 114 111 Effect of stock options 148 120 150 120 Restricted stock units 55 310 70 310 Performance share units 41 - 37 - Weighted average shares outstanding for calculation of diluted earnings per share 21,639 23,430 21,887 23,484 Net income per common share Basic (1) $ 0.30 $ 0.25 $ 0.49 $ 0.41 Diluted $ 0.30 $ 0.24 $ 0.48 $ 0.40 (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 considered in computing diluted net income per share because they were anti-dilutive totaled 0.03 million for both three-month periods ended June 30, 2016 and 2015, respectively and totaled 0.03 million for both six-month periods ended June 30, 2016 and 2015, respectively.

Derivative Financial Instrument

Derivative Financial Instruments	6 Months Ended
	Jun. 30, 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: June 30, 2016 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 26,831 0.1 $ 899 Mandatory commitments to sell mortgage loans 57,034 0.1 (377 ) Pay-fixed interest rate swap agreements 44,396 9.1 (2,205 ) Pay-variable interest rate swap agreements 44,396 9.1 2,205 Purchased options 3,119 5.0 203 Written options 3,119 5.0 (203 ) Total $ 178,895 4.7 $ 522 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 June 30, 2016 December 31, 2015 June 30, 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 $ 899 Other assets $ 550 Other liabilities $ - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets 69 Other liabilities 377 Other liabilities - Pay-fixed interest rate swap agreements Other assets - Other assets - Other liabilities 2,205 Other liabilities 497 Pay-variable interest rate swap agreements Other assets 2,205 Other assets 497 Other liabilities - Other liabilities - Purchased options Other assets 203 Other assets 122 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 203 Other liabilities 122 Total derivatives $ 3,307 $ 1,238 $ 2,785 $ 619 The effect of derivative financial instruments on the Condensed Consolidated Statements of Operations follows: Gain (Loss) Recognized in Income Location of Gain (Loss) Three Month Periods Ended June 30, Six Month Periods Ended June 30, Recognized in Income 2016 2015 2016 2015 (In thousands) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 130 $ (283 ) $ 349 $ 105 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (240 ) 559 (446 ) 520 Pay-fixed interest rate swap agreements Interest income (590 ) 221 (1,708 ) (40 ) Pay-variable interest rate swap agreements Interest income 590 (221 ) 1,708 40 Purchased options Interest expense 3 - 81 - Written options Interest expense (3 ) - (81 ) - Total $ (110 ) $ 276 $ (97 ) $ 625

Intangible Assets

Intangible Assets	6 Months Ended
	Jun. 30, 2016
Intangible Assets [Abstract]
Intangible Assets	8. Intangible Assets The following table summarizes intangible assets, net of amortization: June 30, 2016 December 31, 2015 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 6,118 $ 4,012 $ 6,118 $ 3,838 Amortization of other intangibles has been estimated through 2021 and thereafter in the following table. (In thousands) Six months ending December 31, 2016 $ 173 2017 346 2018 346 2019 346 2020 346 2021 and thereafter 549 Total $ 2,106

Share Based Compensation

Share Based Compensation	6 Months Ended
	Jun. 30, 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 June 30, 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 June 30, 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. No long term incentive grants were made during the second quarters of 2016 or 2015. 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 0.004 million shares and 0.002 million shares to directors during the first six 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 and $0.8 million during the three and six month periods ended June 30, 2016, respectively, and was $0.4 million and $0.7 million during the same periods in 2015, respectively. The corresponding tax benefit relating to this expense was $0.1 million and $0.3 million for the three and six month periods ended June 30, 2016, respectively and $0.1 million and $0.3 million for the same periods in 2015. Total expense recognized for non-employee director share based payments was $0.03 million and $0.06 million during the three and six month periods ended June 30, 2016, respectively, and was $0.02 million and $0.03 million during the same periods in 2015, respectively. The corresponding tax benefit relating to this expense was $0.01 million and $0.02 million for the three and six month periods ended June 30, 2016, respectively and $0.01 million and $0.01 million during the same periods in 2015. At June 30, 2016, the total expected compensation cost related to non-vested stock options, restricted stock, PSUs and restricted stock unit awards not yet recognized was $2.1 million. The weighted-average period over which this amount will be recognized is 2.0 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 (16,014 ) 3.69 Forfeited (664 ) 6.42 Expired (400 ) 4.25 Outstanding at June 30, 2016 218,518 $ 5.02 5.54 $ 2,109 Vested and expected to vest at June 30, 2016 218,518 $ 5.02 5.54 $ 2,109 Exercisable at June 30, 2016 218,518 $ 5.02 5.54 $ 2,109 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 96,660 14.39 Vested (107,795 ) 7.92 Forfeited (4,924 ) 13.24 Outstanding at June 30, 2016 245,922 $ 13.94 Certain information regarding options exercised during the periods follows: Three Months Ended June 30, Six Months Ended June 30, 2016 2015 2016 2015 Intrinsic value $ 60 $ 187 $ 177 $ 243 Cash proceeds received $ 27 $ 67 $ 59 $ 82 Tax benefit realized $ 21 $ 65 $ 62 $ 85

Income Tax

Income Tax	6 Months Ended
	Jun. 30, 2016
Income Tax [Abstract]
Income Tax	10. Income Tax Income tax expense was $2.6 million during both three month periods ended June 30, 2016 and 2015, respectively and $4.6 million and $4.4 million during the six months ended June 30, 2016 and 2015, respectively. As described in note #2, we adopted ASU 2016-09, “Compensation – Stock Compensation (718) Improvements to Employee Share-Based Payment Accounting” during the second quarter of 2016 which now requires us to recognize for book purposes either income tax expense or benefit relating to excess deficiencies/benefits relating to share-based compensation. Included in income tax expense for both three and six month periods ended June 30, 2016 is a tax benefit of $0.3 million due to the vesting of certain share-based compensation grants during the second quarter of 2016. 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. 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 June 30, 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 June 30, 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	6 Months Ended
	Jun. 30, 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 June 30, 2016, the Bank had positive undivided profits of $2.1 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 June 30, 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) June 30, 2016 Total capital to risk-weighted assets Consolidated $ 275,163 15.97 % $ 137,844 8.00 % NA NA Independent Bank 260,344 15.12 137,712 8.00 172,140 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 253,484 14.71 % $ 103,383 6.00 % NA NA Independent Bank 238,734 13.87 103,284 6.00 137,712 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 228,648 13.27 % $ 77,537 4.50 % NA NA Independent Bank 238,734 13.87 77,463 4.50 111,891 6.50 % Tier 1 capital to average assets Consolidated $ 253,484 10.47 % $ 96,803 4.00 % NA NA Independent Bank 238,734 9.87 96,737 4.00 120,921 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 June 30, 2016 December 31, 2015 June 30, 2016 December 31, 2015 (In thousands) Total shareholders’ equity $ 246,923 $ 251,092 $ 256,850 $ 259,947 Add (deduct) Accumulated other comprehensive (income) loss for regulatory purposes (2,515 ) 238 (2,514 ) 238 Intangible assets (1,264 ) (912 ) (1,264 ) (912 ) Disallowed deferred tax assets (14,496 ) (11,147 ) (14,338 ) (18,406 ) Common equity tier 1 capital 228,648 239,271 238,734 240,867 Qualifying trust preferred securities 34,500 34,500 - - Disallowed deferred tax assets (9,664 ) (16,721 ) - - Tier 1 capital 253,484 257,050 238,734 240,867 Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 21,679 21,120 21,610 21,027 Total risk-based capital $ 275,163 $ 278,170 $ 260,344 $ 261,894

Fair Value Disclosures

Fair Value Disclosures	6 Months Ended
	Jun. 30, 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 From time to time, certain loans are considered impaired and an allowance for loan losses is established. Loans for which it is probable that payment of interest and principal will not be made in accordance with the contractual terms of the loan agreement are considered impaired. We measure our investment in an impaired loan based on one of three methods: the loan’s observable market price, the fair value of the collateral or the present value of expected future cash flows discounted at the loan’s effective interest rate. Those impaired loans not requiring an allowance represent loans for which the fair value of the expected repayments or collateral exceed the recorded investments in such loans. At June 30, 2016 and December 31, 2015, all of our impaired loans were evaluated based on either the fair value of the collateral or the present value of expected future cash flows discounted at the loan’s effective interest rate. When the fair value of the collateral is based on an appraised value or when an appraised value is not available we record the impaired loan as nonrecurring Level 3 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) June 30, 2016: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 212 $ 212 $ - $ - Securities available for sale U.S. agency 31,679 - 31,679 - U.S. agency residential mortgage-backed 182,063 - 182,063 - U.S. agency commercial mortgage-backed 7,996 - 7,996 - Private label mortgage-backed 26,246 - 26,246 - Other asset backed 139,846 - 139,846 - Obligations of states and political subdivisions 158,341 - 158,341 - Corporate 49,527 - 49,527 - Trust preferred 2,397 - 2,397 - Foreign government 1,660 - 1,660 - Loans held for sale 31,713 - 31,713 - Derivatives (1) 3,307 - 3,307 - Liabilities Derivatives (2) 2,785 - 2,785 - Measured at Fair Value on a Non-recurring basis: Assets Capitalized mortgage loan servicing rights (3) 10,007 - - 10,007 Impaired loans (4) Commercial Income producing - real estate 649 - - 649 Land, land development & construction-real estate 158 - - 158 Commercial and industrial 1,638 - - 1,638 Mortgage 1-4 Family 651 - - 651 Other real estate (5) Commercial Land, land development & construction-real estate 176 - - 176 Mortgage 1-4 Family 48 - - 48 Resort lending 92 - - 92 (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 six months ended June 30, 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 Six-Month Periods Ended June 30 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 $ 64 $ - $ 64 $ (23 ) $ - $ (23 ) Loans held for sale - 478 478 - (121 ) (121 ) 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 and six month periods ended June 30, 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 $10.0 million which is net of a valuation allowance of $5.4 million at June 30, 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. A recovery (charge) of $(0.6) million and $(2.1) million was included in our results of operations for the three and six month periods ending June 30, 2016, respectively and $1.2 million and $0.5 million during the same periods in 2015. · Loans which are measured for impairment using the fair value of collateral for collateral dependent loans, had a carrying amount of $5.4 million, with a valuation allowance of $2.3 million at June 30, 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 a net expense (recovery) of $(0.1) million and $0.5 million for the three month periods ending June 30, 2016 and 2015, respectively, and a net expense of $0.3 million and $1.0 million for the six month periods ending June 30, 2016 and 2015, respectively. · Other real estate, which is measured using the fair value of the property, had a carrying amount of $0.3 million which is net of a valuation allowance of $1.1 million at June 30, 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 $0.04 million and $0.06 million was included in our results of operations during the three and six month periods ended June 30, 2016, respectively and $0.22 million and $0.37 million during the same periods in 2015. We had no assets or liabilities measured at fair value on a recurring basis that used significant unobservable inputs (Level 3) during the six months ended June 30, 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) June 30, 2016 Capitalized mortgage $ 10,007 Present value of net servicing revenue Discount rate 10.05 % Cost to service $ 80 Ancillary income 24 Float rate 0.98 % Impaired loans Commercial (1) 2,240 Sales comparison approach Adjustment for differences between comparable sales (1.5 )% Mortgage 651 Sales comparison approach Adjustment for differences between comparable sales 4.2 Other real estate Commercial 176 Sales comparison approach Adjustment for differences between comparable sales (22.5 ) Mortgage and installment 140 Sales comparison approach Adjustment for differences between comparable sales 73.8 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 June 30, 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 June 30, 2016 and December 31, 2015. Valuation techniques at June 30, 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 June 30, 2016 $ 31,713 $ 1,192 $ 30,521 December 31, 2015 27,866 714 27,152

Fair Values of Financial Instru

Fair Values of Financial Instruments	6 Months Ended
	Jun. 30, 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) June 30, 2016 Assets Cash and due from banks $ 34,542 $ 34,542 $ 34,542 $ - $ - Interest bearing deposits 26,488 26,488 26,488 - - Interest bearing deposits - time 8,560 8,600 - 8,600 - Trading securities 212 212 212 - - Securities available for sale 599,755 599,755 - 599,755 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,229 NA NA NA NA Net loans and loans held for sale 1,591,123 1,566,760 - 31,713 1,535,047 Accrued interest receivable 6,767 6,767 3 2,178 4,586 Derivative financial instruments 3,307 3,307 - 3,307 - Liabilities Deposits with no stated maturity (1) $ 1,687,965 $ 1,687,965 $ 1,687,965 $ - $ - Deposits with stated maturity (1) 440,327 439,916 - 439,916 - Other borrowings 11,797 13,152 - 13,152 - Subordinated debentures 35,569 22,445 - 22,445 - Accrued interest payable 536 536 18 518 - Derivative financial instruments 2,785 2,785 - 2,785 - 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 $12.4 million and $11.8 million at June 30, 2016 and December 31, 2015, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $37.0 million and $38.4 million at June 30, 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	6 Months Ended
	Jun. 30, 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 and reduced vehicle service contract counterparty receivables, net which totaled $3.0 million as of June 30, 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. A full reserve on the remaining balance ($1.45 million) on this note was maintained at June 30, 2016. This counterparty has made the first three required monthly payments on the note. As a longer-term payment history is developed on this note, we will continue to evaluate the need for all or any part of a reserve. Expense/(credit) related to vehicle service contract counterparty contingencies included in non-interest expense totaled $(0.001) million and $0.030 million for the three month periods ended June 30, 2016 and 2015, respectively and totaled $0.029 million and $0.059 million for the six month periods ended June 30, 2016 and 2015, respectively. These charges (recoveries) 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 an expense of zero and $0.05 million for the three months ended June 30, 2016 and 2015, respectively and a credit of $0.02 million for both six month periods ended June 30, 2016 and 2015, respectively. The credit provision for each six month 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 June 30, 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 June 30, 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")	6 Months Ended
	Jun. 30, 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 Securities Available for Sale Dispropor- tionate Tax Effects from Securities Available for Sale Total For the three months ended June 30, 2016 Balances at beginning of period $ 999 $ (5,798 ) $ (4,799 ) Other comprehensive income before reclassifications 1,588 - 1,588 Amounts reclassified from AOCL (72 ) - (72 ) Net current period other comprehensive income 1,516 - 1,516 Balances at end of period $ 2,515 $ (5,798 ) $ (3,283 ) 2015 Balances at beginning of period $ 1,596 $ (5,798 ) $ (4,202 ) Other comprehensive income (loss) before reclassifications (1,188 ) - (1,188 ) Amounts reclassified from AOCL - - - Net current period other comprehensive income (loss) (1,188 ) - (1,188 ) Balances at end of period $ 408 $ (5,798 ) $ (5,390 ) For the six months ended June 30, 2016 Balances at beginning of period $ (238 ) $ (5,798 ) $ (6,036 ) Other comprehensive income before reclassifications 2,937 - 2,937 Amounts reclassified from AOCL (184 ) - (184 ) Net current period other comprehensive income 2,753 - 2,753 Balances at end of period $ 2,515 $ (5,798 ) $ (3,283 ) 2015 Balances at beginning of period $ 162 $ (5,798 ) $ (5,636 ) Other comprehensive income before reclassifications 295 - 295 Amounts reclassified from AOCL (49 ) - (49 ) Net current period other comprehensive income 246 - 246 Balances at end of period $ 408 $ (5,798 ) $ (5,390 ) 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 June 30 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2016 Unrealized gains on securities available for sale $ 109 Net gains on securities - Net impairment loss recognized in earnings 109 Total reclassifications before tax 37 Income tax expense $ 72 Reclassifications, net of tax 2015 Unrealized gains on securities available for sale $ - Net gains on securities - Net impairment loss recognized in earnings - Total reclassifications before tax - Income tax expense $ - Reclassifications, net of tax A summary of reclassifications out of each component of AOCL for the six months ended June 30 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2016 Unrealized gains on securities available for sale $ 283 Net gains on securities - Net impairment loss recognized in earnings 283 Total reclassifications before tax 99 Income tax expense $ 184 Reclassifications, net of tax 2015 Unrealized gains 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)	6 Months Ended
	Jun. 30, 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. We adopted this amended guidance during the second quarter of 2016 using a modified retrospective approach. The impact of this adoption was to adjust our January 1, 2016 Condensed Consolidated Statement of Financial Position to reflect cumulative effect adjustments as follows: January 1, 2016 Originally Presented Cumulative Retrospective Adjustments January 1, 2016 Adjusted (Dollars in thousands) Deferred tax assets $ 39,635 $ 1,247 $ 40,882 Total assets $ 2,409,066 $ 1,247 $ 2,410,313 Common stock $ 339,462 $ 62 $ 339,524 Accumulated deficit $ (82,334 ) $ 1,185 $ (81,149 ) Total Shareholders’ Equity $ 251,092 $ 1,247 $ 252,339 Total Liabilities and Shareholders’ Equity $ 2,409,066 $ 1,247 $ 2,410,313 The adjustments above reflect the recording of $1.23 million of unrealized excess benefits on share based compensation and $0.06 million (impact to equity of $0.02 million after consideration of deferred taxes) for the impact of making an accounting policy election to account for forfeitures as they occur. After January 1, 2016, excess tax benefits or deficiencies resulting from share-based payments will be recognized as tax benefit or expense when they occur. A tax benefit of $0.3 million was recorded during the three months ended June 30, 2016 as a result of share awards vesting during the period. In addition, we have elected to apply the amendments related to the presentation of excess tax benefits in the statement of cash flows on a prospective basis. In June 2016, the FASB issued ASU 2016-13, “ Financial Instruments — Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments significantly changes how entities will measure credit losses for most financial assets and certain other instruments that aren’t measured at fair value through net income. This ASU will replace today’s “incurred loss” approach with an “expected loss” model for instruments measured at amortized cost. For available-for-sale debt securities, allowances will be recorded rather than reducing the carrying amount as is done under the current other-than-temporary impairment model. This ASU also simplifies the accounting model for purchased credit-impaired debt securities and loans.

New Accounting Standards (Table

New Accounting Standards (Tables)	6 Months Ended
	Jun. 30, 2016
New Accounting Standards [Abstract]
Condensed consolidated statement of financial position to reflect cumulative effect of adjustments	Condensed Consolidated Statement of Financial Position to reflect cumulative effect adjustments as follows: January 1, 2016 Originally Presented Cumulative Retrospective Adjustments January 1, 2016 Adjusted (Dollars in thousands) Deferred tax assets $ 39,635 $ 1,247 $ 40,882 Total assets $ 2,409,066 $ 1,247 $ 2,410,313 Common stock $ 339,462 $ 62 $ 339,524 Accumulated deficit $ (82,334 ) $ 1,185 $ (81,149 ) Total Shareholders’ Equity $ 251,092 $ 1,247 $ 252,339 Total Liabilities and Shareholders’ Equity $ 2,409,066 $ 1,247 $ 2,410,313

Securities (Tables)

Securities (Tables)	6 Months Ended
	Jun. 30, 2016
Securities [Abstract]
Securities available for sale	Securities available for sale consist of the following: Amortized Unrealized Cost Gains Losses Fair Value (In thousands) June 30, 2016 U.S. agency $ 31,165 $ 552 $ 38 $ 31,679 U.S. agency residential mortgage-backed 180,415 1,783 135 182,063 U.S. agency commercial mortgage-backed 7,832 167 3 7,996 Private label mortgage-backed 26,202 343 299 26,246 Other asset backed 139,895 298 347 139,846 Obligations of states and political subdivisions 156,663 2,311 633 158,341 Corporate 49,150 521 144 49,527 Trust preferred 2,920 - 523 2,397 Foreign government 1,644 16 0 1,660 Total $ 595,886 $ 5,991 $ 2,122 $ 599,755 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 Fair Value Unrealized Losses (In thousands) June 30, 2016 U.S. agency $ 3,432 $ 7 $ 6,168 $ 31 $ 9,600 $ 38 U.S. agency residential mortgage-backed 23,927 53 13,743 82 37,670 135 U.S. agency commercial mortgage-backed 548 2 199 1 747 3 Private label mortgage- backed 2,566 8 1,521 291 4,087 299 Other asset backed 42,783 161 12,079 186 54,862 347 Obligations of states and political subdivisions 12,316 227 10,176 406 22,492 633 Corporate 4,033 19 3,878 125 7,911 144 Trust preferred - - 2,397 523 2,397 523 Total $ 89,605 $ 477 $ 50,161 $ 1,645 $ 139,766 $ 2,122 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 June 30, 2016 and December 31, 2015: June 30, 2016 December 31, 2015 Fair Value Net Unrealized Loss Fair Value Net Unrealized Loss (In thousands) Trust preferred securities Rated issues $ 1,650 $ (270 ) $ 1,690 $ (226 ) Unrated issues 747 (253 ) 793 (207 )
Private label mortgage backed securities below investment grade	At June 30, 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 June 30, 2016 Fair value $ 1,469 $ 1,194 $ 76 $ 2,739 Amortized cost 1,396 1,129 - 2,525 Non-credit unrealized loss - - - - Unrealized gain 73 65 76 214 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 June 30, 2016 $ - $ - $ - $ - 2015 - - - - For the six months ended June 30, 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 and six month periods ending June 30, follows: Three months ended June 30, Six months ended June 30, 2016 2015 2016 2015 (In thousands) (In thousands) Balance at beginning of period $ 1,844 $ 1,844 $ 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 $ 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 June 30, 2016, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 27,502 $ 27,533 Maturing after one year but within five years 79,845 80,614 Maturing after five years but within ten years 66,708 67,656 Maturing after ten years 67,487 67,801 241,542 243,604 U.S. agency residential mortgage-backed 180,415 182,063 U.S. agency commercial mortgage-backed 7,832 7,996 Private label residential mortgage-backed 26,202 26,246 Other asset backed 139,895 139,846 Total $ 595,886 $ 599,755
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 six month periods ending June 30, follows: Proceeds Realized Gains Losses (In thousands) 2016 $ 55,362 $ 336 $ 53 2015 11,786 75 -

Loans (Tables)

Loans (Tables)	6 Months Ended
	Jun. 30, 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 June 30, follows: Commercial Mortgage Installment Payment Plan Receivables Subjective Allocation Total (In thousands) 2016 Balance at beginning of period $ 5,622 $ 10,296 $ 1,161 $ 53 $ 5,363 $ 22,495 Additions (deductions) Provision for loan losses (663 ) (359 ) 126 (1 ) 163 (734 ) Recoveries credited to allowance 1,114 294 351 - - 1,759 Loans charged against the allowance (34 ) (275 ) (499 ) - - (808 ) Balance at end of period $ 6,039 $ 9,956 $ 1,139 $ 52 $ 5,526 $ 22,712 2015 Balance at beginning of period $ 5,916 $ 12,081 $ 1,564 $ 62 $ 5,056 $ 24,679 Additions (deductions) Provision for loan losses 177 (101 ) (45 ) 3 (168 ) (134 ) Recoveries credited to allowance 652 319 284 - - 1,255 Loans charged against the allowance (38 ) (834 ) (342 ) - - (1,214 ) Balance at end of period $ 6,707 $ 11,465 $ 1,461 $ 65 $ 4,888 $ 24,586 An analysis of the allowance for loan losses by portfolio segment for the six months ended June 30, 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 (1,067 ) (638 ) 191 (4 ) 254 (1,264 ) Recoveries credited to allowance 1,470 676 572 - - 2,718 Loans charged against the allowance (34 ) (473 ) (805 ) - - (1,312 ) Balance at end of period $ 6,039 $ 9,956 $ 1,139 $ 52 $ 5,526 $ 22,712 2015 Balance at beginning of period $ 5,445 $ 13,444 $ 1,814 $ 64 $ 5,223 $ 25,990 Additions (deductions) Provision for loan losses 505 (834 ) (130 ) 1 (335 ) (793 ) Recoveries credited to allowance 1,085 557 603 - - 2,245 Loans charged against the allowance (328 ) (1,702 ) (826 ) - - (2,856 ) Balance at end of period $ 6,707 $ 11,465 $ 1,461 $ 65 $ 4,888 $ 24,586
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) June 30, 2016 Allowance for loan losses Individually evaluated for impairment $ 3,271 $ 7,262 $ 408 $ - $ - $ 10,941 Collectively evaluated for impairment 2,768 2,694 731 52 5,526 11,771 Total ending allowance balance $ 6,039 $ 9,956 $ 1,139 $ 52 $ 5,526 $ 22,712 Loans Individually evaluated for impairment $ 17,802 $ 63,430 $ 5,427 $ - $ 86,659 Collectively evaluated for impairment 775,794 444,865 247,973 31,389 1,500,021 Total loans recorded investment 793,596 508,295 253,400 31,389 1,586,680 Accrued interest included in recorded investment 1,596 2,274 688 - 4,558 Total loans $ 792,000 $ 506,021 $ 252,712 $ 31,389 $ 1,582,122 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) June 30, 2016 Commercial Income producing - real estate $ - $ 950 $ 950 Land, land development and construction - real estate - 133 133 Commercial and industrial 95 2,533 2,628 Mortgage 1-4 family - 5,013 5,013 Resort lending - 803 803 Home equity - 1st lien - 180 180 Home equity - 2nd lien - 262 262 Purchased loans - 6 6 Installment Home equity - 1st lien - 181 181 Home equity - 2nd lien - 327 327 Loans not secured by real estate - 382 382 Other - 15 15 Payment plan receivables Full refund - 2 2 Partial refund - 13 13 Other - 3 3 Total recorded investment $ 95 $ 10,803 $ 10,898 Accrued interest included in recorded investment $ 1 $ - $ 1 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) June 30, 2016 Commercial Income producing - real estate $ 30 $ 176 $ 774 $ 980 $ 306,698 $ 307,678 Land, land development and construction - real estate 9 114 133 256 48,189 48,445 Commercial and industrial 205 194 516 915 436,558 437,473 Mortgage 1-4 family 2,142 687 5,013 7,842 281,979 289,821 Resort lending 328 78 803 1,209 107,824 109,033 Home equity - 1st lien 228 35 180 443 26,988 27,431 Home equity - 2nd lien 494 152 262 908 51,461 52,369 Purchased loans 5 1 6 12 29,629 29,641 Installment Home equity - 1st lien 268 37 181 486 14,430 14,916 Home equity - 2nd lien 210 121 327 658 16,612 17,270 Loans not secured by real estate 239 128 382 749 218,181 218,930 Other 13 - 15 28 2,256 2,284 Payment plan receivables Full refund 377 137 2 516 12,683 13,199 Partial refund 397 116 13 526 10,572 11,098 Other 230 68 3 301 6,791 7,092 Total recorded investment $ 5,175 $ 2,044 $ 8,610 $ 15,829 $ 1,570,851 $ 1,586,680 Accrued interest included in recorded investment $ 44 $ 22 $ 1 $ 67 $ 4,491 $ 4,558 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 : June 30, 2016 December 31, 2015 Impaired loans with no allocated allowance (In thousands) TDR $ 173 $ 2,518 Non - TDR 542 203 Impaired loans with an allocated allowance TDR - allowance based on collateral 5,036 4,810 TDR - allowance based on present value cash flow 80,205 81,002 Non - TDR - allowance based on collateral 398 260 Non - TDR - allowance based on present value cash flow - - Total impaired loans $ 86,354 $ 88,793 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 2,127 $ 2,436 TDR - allowance based on present value cash flow 8,603 8,471 Non - TDR - allowance based on collateral 211 76 Non - TDR - allowance based on present value cash flow - - Total amount of allowance for loan losses allocated $ 10,941 $ 10,983 Impaired loans by class are as follows (1): June 30, 2016 December 31, 2015 Recorded Investment Unpaid Principal Balance Related Recorded Unpaid Related With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 560 $ 806 $ - $ 641 $ 851 $ - Land, land development & construction-real estate 133 709 - 818 1,393 - Commercial and industrial - - - 1,245 1,241 - Mortgage 1-4 family 22 348 - 23 183 - Resort lending - - - - - - Home equity - 1st lien - - - - - - Home equity - 2nd lien - - - - - - Installment Home equity - 1st lien - 43 - - 76 - Home equity - 2nd lien - - - - - - Loans not secured by real estate - - - - - - Other - - - - - - 715 1,906 - 2,727 3,744 - With an allowance recorded: Commercial Income producing - real estate 8,186 8,935 663 8,377 9,232 516 Land, land development & construction-real estate 1,844 1,843 158 1,690 1,778 296 Commercial and industrial 7,079 7,359 2,450 4,097 4,439 1,896 Mortgage 1-4 family 45,474 47,259 4,700 47,792 49,808 5,132 Resort lending 17,449 17,484 2,529 18,148 18,319 2,662 Home equity - 1st lien 243 246 11 168 172 9 Home equity - 2nd lien 242 324 22 244 325 15 Installment Home equity - 1st lien 2,172 2,315 130 2,364 2,492 143 Home equity - 2nd lien 2,709 2,725 245 2,929 2,951 271 Loans not secured by real estate 541 575 33 587 658 42 Other 5 5 - 8 8 1 85,944 89,070 10,941 86,404 90,182 10,983 Total Commercial Income producing - real estate 8,746 9,741 663 9,018 10,083 516 Land, land development & construction-real estate 1,977 2,552 158 2,508 3,171 296 Commercial and industrial 7,079 7,359 2,450 5,342 5,680 1,896 Mortgage 1-4 family 45,496 47,607 4,700 47,815 49,991 5,132 Resort lending 17,449 17,484 2,529 18,148 18,319 2,662 Home equity - 1st lien 243 246 11 168 172 9 Home equity - 2nd lien 242 324 22 244 325 15 Installment Home equity - 1st lien 2,172 2,358 130 2,364 2,568 143 Home equity - 2nd lien 2,709 2,725 245 2,929 2,951 271 Loans not secured by real estate 541 575 33 587 658 42 Other 5 5 - 8 8 1 Total $ 86,659 $ 90,976 $ 10,941 $ 89,131 $ 93,926 $ 10,983 Accrued interest included in recorded investment $ 305 $ 338 (1) There were no impaired payment plan receivables or purchased mortgage loans at June 30, 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 June 30, 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 $ 673 $ - $ 5,658 $ 50 Land, land development & construction-real estate 335 - 1,021 15 Commercial and industrial 609 - 2,855 37 Mortgage 1-4 family 11 5 25 2 Resort lending - - 7 - Home equity - 1st lien - - - - Home equity - 2nd lien - - - - Installment Home equity - 1st lien 1 - - 1 Home equity - 2nd lien 7 - - - Loans not secured by real estate - - - - Other - - - - 1,636 5 9,566 105 With an allowance recorded: Commercial Income producing - real estate 8,210 100 12,878 163 Land, land development & construction-real estate 1,664 13 1,943 13 Commercial and industrial 6,203 59 7,863 67 Mortgage 1-4 family 46,041 475 50,931 539 Resort lending 17,689 159 18,482 173 Home equity - 1st lien 243 2 160 2 Home equity - 2nd lien 181 4 185 4 Installment Home equity - 1st lien 2,230 42 2,576 44 Home equity - 2nd lien 2,751 41 3,101 49 Loans not secured by real estate 555 10 668 9 Other 6 - 11 1 85,773 905 98,798 1,064 Total Commercial Income producing - real estate 8,883 100 18,536 213 Land, land development & construction-real estate 1,999 13 2,964 28 Commercial and industrial 6,812 59 10,718 104 Mortgage 1-4 family 46,052 480 50,956 541 Resort lending 17,689 159 18,489 173 Home equity - 1st lien 243 2 160 2 Home equity - 2nd lien 181 4 185 4 Installment Home equity - 1st lien 2,231 42 2,576 45 Home equity - 2nd lien 2,758 41 3,101 49 Loans not secured by real estate 555 10 668 9 Other 6 - 11 1 Total $ 87,409 $ 910 $ 108,364 $ 1,169 (1) There were no impaired payment plan receivables or purchased mortgage loans during the three month periods ended June 30, 2016 and 2015, respectively. Average recorded investment in and interest income earned on impaired loans by class for the six month periods ending June 30, 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 $ 662 $ 2 $ 5,728 $ 103 Land, land development & construction-real estate 496 7 1,031 49 Commercial and industrial 821 21 2,798 74 Mortgage 1-4 family 15 6 17 2 Resort lending - - 20 - 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 5 - - - Loans not secured by real estate - - - - Other - - - - 1,999 37 9,594 229 With an allowance recorded: Commercial Income producing - real estate 8,266 207 12,864 320 Land, land development & construction-real estate 1,673 26 2,447 27 Commercial and industrial 5,501 82 7,992 133 Mortgage 1-4 family 46,625 977 51,689 1,090 Resort lending 17,842 319 18,587 344 Home equity line of credit - 1st lien 218 4 160 4 Home equity line of credit - 2nd lien 202 5 165 6 Installment Home equity installment - 1st lien 2,274 84 2,632 94 Home equity installment - 2nd lien 2,810 85 3,138 100 Loans not secured by real estate 566 19 682 19 Other 6 - 11 1 85,983 1,808 100,367 2,138 Total Commercial Income producing - real estate 8,928 209 18,592 423 Land, land development & construction-real estate 2,169 33 3,478 76 Commercial and industrial 6,322 103 10,790 207 Mortgage 1-4 family 46,640 983 51,706 1,092 Resort lending 17,842 319 18,607 344 Home equity line of credit - 1st lien 218 4 160 4 Home equity line of credit - 2nd lien 202 5 165 6 Installment Home equity installment - 1st lien 2,274 85 2,632 95 Home equity installment - 2nd lien 2,815 85 3,138 100 Loans not secured by real estate 566 19 682 19 Other 6 - 11 1 Total $ 87,982 $ 1,845 $ 109,961 $ 2,367 (1) There were no impaired payment plan receivables or purchased mortgage loans during the six month periods ended June 30, 2016 and 2015, respectively.
Troubled debt restructurings	Troubled debt restructurings follow: June 30, 2016 Commercial Retail Total (In thousands) Performing TDRs $ 14,130 $ 64,818 $ 78,948 Non-performing TDRs(1) 2,678 3,788 (2) 6,466 Total $ 16,808 $ 68,606 $ 85,414 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 Number of Contracts Pre-modification Recorded Balance Post-modification Recorded Balance (Dollars in thousands) 2016 Commercial Income producing - real estate - $ - $ - Land, land development & construction-real estate - - - Commercial and industrial - - - Mortgage 1-4 family 1 109 110 Resort lending - - - Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 3 29 29 Home equity - 2nd lien 2 71 73 Loans not secured by real estate 1 12 12 Other - - - Total 7 $ 221 $ 224 2015 Commercial Income producing - real estate 1 $ 73 $ 73 Land, land development & construction-real estate - - - Commercial and industrial 1 17 17 Mortgage 1-4 family 1 25 40 Resort lending 1 313 309 Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 1 23 24 Home equity - 2nd lien 3 58 58 Loans not secured by real estate 1 - 6 Other - - - Total 9 $ 509 $ 527 Loans that have been classified as troubled debt restructurings during the six-month periods ended 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 3 192 263 Resort lending 1 116 117 Home equity - 1st lien 1 107 78 Home equity - 2nd lien - - - Installment Home equity - 1st lien 4 59 60 Home equity - 2nd lien 4 126 129 Loans not secured by real estate 1 12 12 Other - - - Total 20 $ 2,480 $ 2,527 2015 Commercial Income producing - real estate 2 $ 229 $ 234 Land, land development & construction-real estate - - - Commercial and industrial 3 253 247 Mortgage 1-4 family 6 1,030 845 Resort lending 1 313 309 Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 5 190 164 Home equity - 2nd lien 3 58 58 Loans not secured by real estate 1 - 6 Other - - - Total 21 $ 2,073 $ 1,863
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 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 65 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 1 4 Other - - 2 $ 69 Loans that have been classified as troubled debt restructurings during the past twelve months and that 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 2 157 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 1 4 Other - - 3 $ 161
Summary of loan ratings by loan class	The following table summarizes loan ratings by loan class for our commercial loan segment: Commercial Non-watch Watch Substandard Non- Total (In thousands) June 30, 2016 Income producing - real estate $ 300,344 $ 5,334 $ 1,050 $ 950 $ 307,678 Land, land development and construction - real estate 46,529 1,669 114 133 48,445 Commercial and industrial 416,102 12,516 6,322 2,533 437,473 Total $ 762,975 $ 19,519 $ 7,486 $ 3,616 $ 793,596 Accrued interest included in total $ 1,509 $ 62 $ 25 $ - $ 1,596 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) June 30, 2016 800 and above $ 31,459 $ 12,187 $ 6,000 $ 8,476 $ 2,287 $ 60,409 750-799 83,455 39,058 9,279 18,317 19,259 169,368 700-749 59,358 31,410 4,840 10,455 7,601 113,664 650-699 52,187 13,815 3,646 8,249 - 77,897 600-649 28,791 6,525 1,347 3,375 - 40,038 550-599 15,745 2,485 743 1,573 - 20,546 500-549 8,594 882 581 1,280 - 11,337 Under 500 5,332 600 172 305 - 6,409 Unknown 4,900 2,071 823 339 494 8,627 Total $ 289,821 $ 109,033 $ 27,431 $ 52,369 $ 29,641 $ 508,295 Accrued interest included in total $ 1,383 $ 479 $ 104 $ 210 $ 98 $ 2,274 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) June 30, 2016 800 and above $ 1,518 $ 2,133 $ 50,680 $ 81 $ 54,412 750-799 3,337 4,198 101,146 577 109,258 700-749 2,383 3,299 38,660 694 45,036 650-699 2,863 3,503 18,041 477 24,884 600-649 2,356 1,820 4,311 285 8,772 550-599 1,363 1,423 1,855 64 4,705 500-549 922 649 1,212 50 2,833 Under 500 141 240 345 25 751 Unknown 33 5 2,680 31 2,749 Total $ 14,916 $ 17,270 $ 218,930 $ 2,284 $ 253,400 Accrued interest included in total $ 57 $ 64 $ 551 $ 16 $ 688 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) June 30, 2016 AM Best rating A+ $ - $ 11 $ - $ 11 A 1,358 9,715 - 11,073 A- 1,644 1,333 3,374 6,351 B+ - - 3,717 3,717 Not rated 10,197 39 1 10,237 Total $ 13,199 $ 11,098 $ 7,092 $ 31,389 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)	6 Months Ended
	Jun. 30, 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 June 30, 2016 $ 2,391,120 $ 50,178 $ 282,570 $ (271,172 ) $ 2,452,696 December 31, 2015 2,340,566 57,208 286,936 (275,644 ) 2,409,066 For the three months ended June 30, 2016 Interest income $ 20,216 $ 1,052 $ 12 $ (13 ) $ 21,267 Net interest income 18,989 915 (274 ) 0 19,630 Provision for loan losses (734 ) 0 0 0 (734 ) Income (loss) before income tax 9,298 49 (274 ) (24 ) 9,049 Net income (loss) 6,550 32 (129 ) (15 ) 6,438 2015 Interest income $ 18,701 $ 1,430 $ 20 $ (20 ) $ 20,131 Net interest income 17,717 1,218 (234 ) - 18,701 Provision for loan losses (138 ) 4 - - (134 ) Income (loss) before income tax 8,843 (221 ) (356 ) (23 ) 8,243 Net income (loss) 5,935 (77 ) (225 ) (14 ) 5,619 For the six months ended June 30, 2016 Interest income $ 40,459 $ 2,162 $ 17 $ (17 ) $ 42,621 Net interest income 38,091 1,847 (545 ) - 39,393 Provision for loan losses (1,260 ) (4 ) - - (1,264 ) Income (loss) before income tax 16,160 (310 ) (697 ) (47 ) 15,106 Net income (loss) 11,169 (205 ) (396 ) (30 ) 10,538 2015 Interest income $ 36,922 $ 2,761 $ 40 $ (40 ) $ 39,683 Net interest income 34,900 2,353 (461 ) - 36,792 Provision for loan losses (794 ) 1 - - (793 ) Income (loss) before income tax 15,102 (512 ) (739 ) (47 ) 13,804 Net income (loss) 10,168 (269 ) (469 ) (30 ) 9,400 (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 Earn28

Shareholders' Equity and Earnings Per Common Share (Tables)	6 Months Ended
	Jun. 30, 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 June 30, Six Months Ended June 30, 2016 2015 2016 2015 (In thousands, except per share amounts) Net income $ 6,438 $ 5,619 $ 10,538 $ 9,400 Weighted average shares outstanding (1) 21,281 22,889 21,516 22,943 Stock units for deferred compensation plan for non-employee directors 114 111 114 111 Effect of stock options 148 120 150 120 Restricted stock units 55 310 70 310 Performance share units 41 - 37 - Weighted average shares outstanding for calculation of diluted earnings per share 21,639 23,430 21,887 23,484 Net income per common share Basic (1) $ 0.30 $ 0.25 $ 0.49 $ 0.41 Diluted $ 0.30 $ 0.24 $ 0.48 $ 0.40 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume29

Derivative Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 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: June 30, 2016 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 26,831 0.1 $ 899 Mandatory commitments to sell mortgage loans 57,034 0.1 (377 ) Pay-fixed interest rate swap agreements 44,396 9.1 (2,205 ) Pay-variable interest rate swap agreements 44,396 9.1 2,205 Purchased options 3,119 5.0 203 Written options 3,119 5.0 (203 ) Total $ 178,895 4.7 $ 522 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 June 30, 2016 December 31, 2015 June 30, 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 $ 899 Other assets $ 550 Other liabilities $ - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets 69 Other liabilities 377 Other liabilities - Pay-fixed interest rate swap agreements Other assets - Other assets - Other liabilities 2,205 Other liabilities 497 Pay-variable interest rate swap agreements Other assets 2,205 Other assets 497 Other liabilities - Other liabilities - Purchased options Other assets 203 Other assets 122 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 203 Other liabilities 122 Total derivatives $ 3,307 $ 1,238 $ 2,785 $ 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: Gain (Loss) Recognized in Income Location of Gain (Loss) Three Month Periods Ended June 30, Six Month Periods Ended June 30, Recognized in Income 2016 2015 2016 2015 (In thousands) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 130 $ (283 ) $ 349 $ 105 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (240 ) 559 (446 ) 520 Pay-fixed interest rate swap agreements Interest income (590 ) 221 (1,708 ) (40 ) Pay-variable interest rate swap agreements Interest income 590 (221 ) 1,708 40 Purchased options Interest expense 3 - 81 - Written options Interest expense (3 ) - (81 ) - Total $ (110 ) $ 276 $ (97 ) $ 625

Intangible Assets (Tables)

Intangible Assets (Tables)	6 Months Ended
	Jun. 30, 2016
Intangible Assets [Abstract]
Other intangible assets, net of amortization	The following table summarizes intangible assets, net of amortization: June 30, 2016 December 31, 2015 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 6,118 $ 4,012 $ 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) Six months ending December 31, 2016 $ 173 2017 346 2018 346 2019 346 2020 346 2021 and thereafter 549 Total $ 2,106

Share Based Compensation (Table

Share Based Compensation (Tables)	6 Months Ended
	Jun. 30, 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 (16,014 ) 3.69 Forfeited (664 ) 6.42 Expired (400 ) 4.25 Outstanding at June 30, 2016 218,518 $ 5.02 5.54 $ 2,109 Vested and expected to vest at June 30, 2016 218,518 $ 5.02 5.54 $ 2,109 Exercisable at June 30, 2016 218,518 $ 5.02 5.54 $ 2,109
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 96,660 14.39 Vested (107,795 ) 7.92 Forfeited (4,924 ) 13.24 Outstanding at June 30, 2016 245,922 $ 13.94
Information regarding options exercised	Certain information regarding options exercised during the periods follows: Three Months Ended June 30, Six Months Ended June 30, 2016 2015 2016 2015 Intrinsic value $ 60 $ 187 $ 177 $ 243 Cash proceeds received $ 27 $ 67 $ 59 $ 82 Tax benefit realized $ 21 $ 65 $ 62 $ 85

Regulatory Matters (Tables)

Regulatory Matters (Tables)	6 Months Ended
	Jun. 30, 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) June 30, 2016 Total capital to risk-weighted assets Consolidated $ 275,163 15.97 % $ 137,844 8.00 % NA NA Independent Bank 260,344 15.12 137,712 8.00 172,140 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 253,484 14.71 % $ 103,383 6.00 % NA NA Independent Bank 238,734 13.87 103,284 6.00 137,712 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 228,648 13.27 % $ 77,537 4.50 % NA NA Independent Bank 238,734 13.87 77,463 4.50 111,891 6.50 % Tier 1 capital to average assets Consolidated $ 253,484 10.47 % $ 96,803 4.00 % NA NA Independent Bank 238,734 9.87 96,737 4.00 120,921 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 June 30, 2016 December 31, 2015 June 30, 2016 December 31, 2015 (In thousands) Total shareholders’ equity $ 246,923 $ 251,092 $ 256,850 $ 259,947 Add (deduct) Accumulated other comprehensive (income) loss for regulatory purposes (2,515 ) 238 (2,514 ) 238 Intangible assets (1,264 ) (912 ) (1,264 ) (912 ) Disallowed deferred tax assets (14,496 ) (11,147 ) (14,338 ) (18,406 ) Common equity tier 1 capital 228,648 239,271 238,734 240,867 Qualifying trust preferred securities 34,500 34,500 - - Disallowed deferred tax assets (9,664 ) (16,721 ) - - Tier 1 capital 253,484 257,050 238,734 240,867 Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 21,679 21,120 21,610 21,027 Total risk-based capital $ 275,163 $ 278,170 $ 260,344 $ 261,894

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	6 Months Ended
	Jun. 30, 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) June 30, 2016: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 212 $ 212 $ - $ - Securities available for sale U.S. agency 31,679 - 31,679 - U.S. agency residential mortgage-backed 182,063 - 182,063 - U.S. agency commercial mortgage-backed 7,996 - 7,996 - Private label mortgage-backed 26,246 - 26,246 - Other asset backed 139,846 - 139,846 - Obligations of states and political subdivisions 158,341 - 158,341 - Corporate 49,527 - 49,527 - Trust preferred 2,397 - 2,397 - Foreign government 1,660 - 1,660 - Loans held for sale 31,713 - 31,713 - Derivatives (1) 3,307 - 3,307 - Liabilities Derivatives (2) 2,785 - 2,785 - Measured at Fair Value on a Non-recurring basis: Assets Capitalized mortgage loan servicing rights (3) 10,007 - - 10,007 Impaired loans (4) Commercial Income producing - real estate 649 - - 649 Land, land development & construction-real estate 158 - - 158 Commercial and industrial 1,638 - - 1,638 Mortgage 1-4 Family 651 - - 651 Other real estate (5) Commercial Land, land development & construction-real estate 176 - - 176 Mortgage 1-4 Family 48 - - 48 Resort lending 92 - - 92 (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 Six-Month Periods Ended June 30 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 $ 64 $ - $ 64 $ (23 ) $ - $ (23 ) Loans held for sale - 478 478 - (121 ) (121 )
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) June 30, 2016 Capitalized mortgage $ 10,007 Present value of net servicing revenue Discount rate 10.05 % Cost to service $ 80 Ancillary income 24 Float rate 0.98 % Impaired loans Commercial (1) 2,240 Sales comparison approach Adjustment for differences between comparable sales (1.5 )% Mortgage 651 Sales comparison approach Adjustment for differences between comparable sales 4.2 Other real estate Commercial 176 Sales comparison approach Adjustment for differences between comparable sales (22.5 ) Mortgage and installment 140 Sales comparison approach Adjustment for differences between comparable sales 73.8 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 June 30, 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 June 30, 2016 and December 31, 2015. Valuation techniques at June 30, 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 June 30, 2016 $ 31,713 $ 1,192 $ 30,521 December 31, 2015 27,866 714 27,152

Fair Values of Financial Inst34

Fair Values of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 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) June 30, 2016 Assets Cash and due from banks $ 34,542 $ 34,542 $ 34,542 $ - $ - Interest bearing deposits 26,488 26,488 26,488 - - Interest bearing deposits - time 8,560 8,600 - 8,600 - Trading securities 212 212 212 - - Securities available for sale 599,755 599,755 - 599,755 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,229 NA NA NA NA Net loans and loans held for sale 1,591,123 1,566,760 - 31,713 1,535,047 Accrued interest receivable 6,767 6,767 3 2,178 4,586 Derivative financial instruments 3,307 3,307 - 3,307 - Liabilities Deposits with no stated maturity (1) $ 1,687,965 $ 1,687,965 $ 1,687,965 $ - $ - Deposits with stated maturity (1) 440,327 439,916 - 439,916 - Other borrowings 11,797 13,152 - 13,152 - Subordinated debentures 35,569 22,445 - 22,445 - Accrued interest payable 536 536 18 518 - Derivative financial instruments 2,785 2,785 - 2,785 - 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 $12.4 million and $11.8 million at June 30, 2016 and December 31, 2015, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $37.0 million and $38.4 million at June 30, 2016 and December 31, 2015, respectively.

Accumulated Other Comprehensi35

Accumulated Other Comprehensive Loss ("AOCL") (Tables)	6 Months Ended
	Jun. 30, 2016
Accumulated Other Comprehensive Loss ("AOCL") [Abstract]
Schedule of accumulated other comprehensive loss (AOCL), net of tax	A summary of changes in AOCL follows: Unrealized Gains (Losses) on Securities Available for Sale Dispropor- tionate Tax Effects from Securities Available for Sale Total For the three months ended June 30, 2016 Balances at beginning of period $ 999 $ (5,798 ) $ (4,799 ) Other comprehensive income before reclassifications 1,588 - 1,588 Amounts reclassified from AOCL (72 ) - (72 ) Net current period other comprehensive income 1,516 - 1,516 Balances at end of period $ 2,515 $ (5,798 ) $ (3,283 ) 2015 Balances at beginning of period $ 1,596 $ (5,798 ) $ (4,202 ) Other comprehensive income (loss) before reclassifications (1,188 ) - (1,188 ) Amounts reclassified from AOCL - - - Net current period other comprehensive income (loss) (1,188 ) - (1,188 ) Balances at end of period $ 408 $ (5,798 ) $ (5,390 ) For the six months ended June 30, 2016 Balances at beginning of period $ (238 ) $ (5,798 ) $ (6,036 ) Other comprehensive income before reclassifications 2,937 - 2,937 Amounts reclassified from AOCL (184 ) - (184 ) Net current period other comprehensive income 2,753 - 2,753 Balances at end of period $ 2,515 $ (5,798 ) $ (3,283 ) 2015 Balances at beginning of period $ 162 $ (5,798 ) $ (5,636 ) Other comprehensive income before reclassifications 295 - 295 Amounts reclassified from AOCL (49 ) - (49 ) Net current period other comprehensive income 246 - 246 Balances at end of period $ 408 $ (5,798 ) $ (5,390 )
Summary of reclassifications out of each component of AOCL	A summary of reclassifications out of each component of AOCL for the three months ended June 30 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2016 Unrealized gains on securities available for sale $ 109 Net gains on securities - Net impairment loss recognized in earnings 109 Total reclassifications before tax 37 Income tax expense $ 72 Reclassifications, net of tax 2015 Unrealized gains on securities available for sale $ - Net gains on securities - Net impairment loss recognized in earnings - Total reclassifications before tax - Income tax expense $ - Reclassifications, net of tax A summary of reclassifications out of each component of AOCL for the six months ended June 30 follows: AOCL Component Amount Reclassified From AOCL Affected Line Item in Condensed Consolidated Statements of Operations (In thousands) 2016 Unrealized gains on securities available for sale $ 283 Net gains on securities - Net impairment loss recognized in earnings 283 Total reclassifications before tax 99 Income tax expense $ 184 Reclassifications, net of tax 2015 Unrealized gains 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 (Detai

New Accounting Standards (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2016	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015	Dec. 31, 2014
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Deferred tax assets	$ 35,257	$ 35,257		$ 39,635
Total assets	2,452,696	2,452,696		2,409,066
Common stock	324,268	324,268		339,462
Accumulated deficit	(74,062)	(74,062)		(82,334)
Total Shareholders' Equity	246,923	246,923	$ 254,375	251,092	$ 250,371
Total Liabilities and Shareholders' Equity	2,452,696	2,452,696		2,409,066
Income tax expense (benefit)	(300)		$ (300)
ASU 2016-09 [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Deferred tax assets				40,882
Total assets				2,410,313
Common stock				339,524
Accumulated deficit				(81,149)
Total Shareholders' Equity				252,339
Total Liabilities and Shareholders' Equity				2,410,313
Unrealized excess benefits on share based compensation		1,230
Forfeiture provision		60
Impact to equity after consideration of deferred taxes		$ 20
Income tax expense (benefit)	$ (300)
ASU 2016-09 [Member] | Originally Presented [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Deferred tax assets				39,635
Total assets				2,409,066
Common stock				339,462
Accumulated deficit				(82,334)
Total Shareholders' Equity				251,092
Total Liabilities and Shareholders' Equity				2,409,066
ASU 2016-09 [Member] | Cumulative Retrospective Adjustments [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Deferred tax assets				1,247
Total assets				1,247
Common stock				62
Accumulated deficit				1,185
Total Shareholders' Equity				1,247
Total Liabilities and Shareholders' Equity				$ 1,247

Securities (Details)

Securities (Details) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2016USD ($)Security	Jun. 30, 2015USD ($)	Jun. 30, 2016USD ($)Security	Jun. 30, 2015USD ($)	Dec. 31, 2015USD ($)Security
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 595,886		$ 595,886		$ 585,851
Unrealized Gains	5,991		5,991		3,152
Unrealized Losses	2,122		2,122		3,519
Fair Value	599,755		599,755		585,484
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	89,605		89,605		272,152
Less Than Twelve Months, Unrealized Losses	477		477		1,744
Twelve Months or More, Fair Value	50,161		50,161		55,638
Twelve Months or More, Unrealized Losses	1,645		1,645		1,775
Total, Fair Value	139,766		139,766		327,790
Total, Unrealized Losses	2,122		2,122		3,519
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	2,739		2,739
Amortized cost	2,525		2,525
Non-credit unrealized loss	0		0
Unrealized gain	214		214
Cumulative credit related OTTI	1,594		1,594
OTTI changes recorded in earnings	0	$ 0	0	$ 0
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Balance at beginning of period	1,844	1,844	1,844	1,844	1,844
Additions to credit losses on securities for which no previous OTTI was recognized	0	0	0	0
Increases to credit losses on securities for which OTTI was previously recognized	0	0	0	0
Balance at end of period	1,844	1,844	1,844	1,844	1,844
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Maturing within one year	27,502		27,502
Maturing after one year but within five years	79,845		79,845
Maturing after five years but within ten years	66,708		66,708
Maturing after ten years	67,487		67,487
Available-for-sale securities, debt maturities, amortized cost basis	241,542		241,542
U.S. agency residential mortgage-backed	180,415		180,415
U.S. agency commercial mortgage-backed	7,832		7,832
Private label residential mortgage-backed	26,202		26,202
Other asset backed	139,895		139,895
Total	595,886		595,886
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Maturing within one year	27,533		27,533
Maturing after one year but within five years	80,614		80,614
Maturing after five years but within ten years	67,656		67,656
Maturing after ten years	67,801		67,801
Total available-for-sale securities fair value	243,604		243,604
U.S. agency residential mortgage-backed	182,063		182,063
U.S. agency commercial mortgage-backed	7,996		7,996
Private label residential mortgage-backed	26,246		26,246
Other asset backed	139,846		139,846
Total	599,755		599,755
Gain and losses realized on sale of securities available for sale [Abstract]
Proceeds			55,362	11,786
Realized gains			336	75
Realized losses			53	0
Trading securities, realized gains (losses)			64	(23)
Credit related OTTI recognized in earnings	0	0
U.S. Agency [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	31,165		31,165		47,283
Unrealized Gains	552		552		309
Unrealized Losses	38		38		80
Fair Value	31,679		31,679		47,512
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	3,432		3,432		12,164
Less Than Twelve Months, Unrealized Losses	7		7		47
Twelve Months or More, Fair Value	6,168		6,168		6,746
Twelve Months or More, Unrealized Losses	31		31		33
Total, Fair Value	9,600		9,600		18,910
Total, Unrealized Losses	$ 38		$ 38		80
Number of securities with market fair value less than amortized cost | Security	19		19
U.S. Agency Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 180,415		$ 180,415		195,055
Unrealized Gains	1,783		1,783		1,584
Unrealized Losses	135		135		583
Fair Value	182,063		182,063		196,056
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	23,927		23,927		57,538
Less Than Twelve Months, Unrealized Losses	53		53		316
Twelve Months or More, Fair Value	13,743		13,743		23,340
Twelve Months or More, Unrealized Losses	82		82		267
Total, Fair Value	37,670		37,670		80,878
Total, Unrealized Losses	$ 135		$ 135		583
Number of securities with market fair value less than amortized cost | Security	56		56
U.S. Agency Commercial Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 7,832		$ 7,832		34,017
Unrealized Gains	167		167		94
Unrealized Losses	3		3		83
Fair Value	7,996		7,996		34,028
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	548		548		16,747
Less Than Twelve Months, Unrealized Losses	2		2		60
Twelve Months or More, Fair Value	199		199		2,247
Twelve Months or More, Unrealized Losses	1		1		23
Total, Fair Value	747		747		18,994
Total, Unrealized Losses	$ 3		$ 3		83
Number of securities with market fair value less than amortized cost | Security	4		4
Private Label Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 26,202		$ 26,202		5,061
Unrealized Gains	343		343		161
Unrealized Losses	299		299		319
Fair Value	26,246		26,246		4,903
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	2,566		2,566		0
Less Than Twelve Months, Unrealized Losses	8		8		0
Twelve Months or More, Fair Value	1,521		1,521		3,393
Twelve Months or More, Unrealized Losses	291		291		319
Total, Fair Value	4,087		4,087		3,393
Total, Unrealized Losses	$ 299		$ 299		$ 319
Number of securities with market fair value less than amortized cost | Security	9		9
Number of securities purchased prior to 2016 | Security					4
Number of securities with impairment in excess of ten percent | Security	2		2
Percentage of excess impairment on securities	10.00%		10.00%
Number of securities with impairment for more than 12 months | Security	3		3
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Number of private label mortgage backed securities complete recovery of cost basis | Security	4		4
Number of private label mortgage backed securities currently with OTTI unrealized gains | Security	3		3
Number of private label mortgage backed securities with OTTI unrealized loss less than previous OTTI credit | Security	3		3
Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	$ 1,469		$ 1,469
Amortized cost	1,396		1,396
Non-credit unrealized loss	0		0
Unrealized gain	73		73
Cumulative credit related OTTI	757		757
OTTI changes recorded in earnings	0	0	0	0
Super Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	1,194		1,194
Amortized cost	1,129		1,129
Non-credit unrealized loss	0		0
Unrealized gain	65		65
Cumulative credit related OTTI	457		457
OTTI changes recorded in earnings	0	0	0	0
Senior Support Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	76		76
Amortized cost	0		0
Non-credit unrealized loss	0		0
Unrealized gain	76		76
Cumulative credit related OTTI	380		380
OTTI changes recorded in earnings	0	$ 0	0	$ 0
Other Asset Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	139,895		139,895		$ 117,431
Unrealized Gains	298		298		54
Unrealized Losses	347		347		581
Fair Value	139,846		139,846		116,904
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	42,783		42,783		102,660
Less Than Twelve Months, Unrealized Losses	161		161		434
Twelve Months or More, Fair Value	12,079		12,079		5,189
Twelve Months or More, Unrealized Losses	186		186		147
Total, Fair Value	54,862		54,862		107,849
Total, Unrealized Losses	$ 347		$ 347		581
Number of securities with market fair value less than amortized cost | Security	88		88
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 156,663		$ 156,663		145,193
Unrealized Gains	2,311		2,311		941
Unrealized Losses	633		633		1,150
Fair Value	158,341		158,341		144,984
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	12,316		12,316		52,493
Less Than Twelve Months, Unrealized Losses	227		227		597
Twelve Months or More, Fair Value	10,176		10,176		12,240
Twelve Months or More, Unrealized Losses	406		406		553
Total, Fair Value	22,492		22,492		64,733
Total, Unrealized Losses	$ 633		$ 633		1,150
Number of securities with market fair value less than amortized cost | Security	52		52
Number of securities with impairment in excess of ten percent | Security	1		1
Percentage of excess impairment on securities	10.00%		10.00%
Corporate [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 49,150		$ 49,150		38,895
Unrealized Gains	521		521		9
Unrealized Losses	144		144		290
Fair Value	49,527		49,527		38,614
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	4,033		4,033		30,550
Less Than Twelve Months, Unrealized Losses	19		19		290
Twelve Months or More, Fair Value	3,878		3,878		0
Twelve Months or More, Unrealized Losses	125		125		0
Total, Fair Value	7,911		7,911		30,550
Total, Unrealized Losses	$ 144		$ 144		290
Number of securities with market fair value less than amortized cost | Security	8		8
Trust Preferred [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 2,920		$ 2,920		2,916
Unrealized Gains	0		0		0
Unrealized Losses	523		523		433
Fair Value	2,397		2,397		2,483
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	0		0		0
Less Than Twelve Months, Unrealized Losses	0		0		0
Twelve Months or More, Fair Value	2,397		2,397		2,483
Twelve Months or More, Unrealized Losses	523		523		433
Total, Fair Value	2,397		2,397		2,483
Total, Unrealized Losses	$ 523		$ 523		433
Number of securities with market fair value less than amortized cost | Security	3		3
Number of securities rated as investment grade | Security	1		1
Number of securities rated as below investment grade | Security	1		1
Number of major credit rating agencies | Security	2		2
Number of securities non-rated | Security	1		1
Non-rated trust preferred securities, amortized cost	$ 1,000		$ 1,000
Non-rated trust preferred securities, fair value	700		700
Rated Issues [Member]
Trust preferred securities [Abstract]
Fair Value	1,650		1,650		1,690
Net Unrealized Loss			(270)		(226)
Unrated Issues [Member]
Trust preferred securities [Abstract]
Fair Value	747		747		793
Net Unrealized Loss			(253)		$ (207)
Foreign Government [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	1,644		1,644
Unrealized Gains	16		16
Unrealized Losses	0		0
Fair Value	$ 1,660		$ 1,660

Loans (Details)

Loans (Details) - USD ($) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 22,495	$ 24,679	$ 22,570	$ 25,990
Additions (deductions) [Abstract]
Provision for loan losses		(734)	(134)	(1,264)	(793)
Recoveries credited to allowance		1,759	1,255	2,718	2,245
Loans charged against the allowance		(808)	(1,214)	(1,312)	(2,856)
Balance at end of period		22,712	24,586	22,712	24,586
Allowance for loan losses [Abstract]
Individually evaluated for impairment		10,941		10,941		$ 10,983
Collectively evaluated for impairment		11,771		11,771		11,587
Total ending allowance balance		22,712		22,712		22,570
Loans [Abstract]
Individually evaluated for impairment		86,659		86,659		89,131
Collectively evaluated for impairment		1,500,021		1,500,021		1,430,756
Total loans recorded investment		1,586,680		1,586,680		1,519,887
Accrued interest included in recorded investment		4,558		4,558		4,837
Total loans		1,582,122		1,582,122		1,515,050
Commercial [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		5,622	5,916	5,670	5,445
Additions (deductions) [Abstract]
Provision for loan losses		(663)	177	(1,067)	505
Recoveries credited to allowance		1,114	652	1,470	1,085
Loans charged against the allowance		(34)	(38)	(34)	(328)
Balance at end of period		6,039	6,707	6,039	6,707
Allowance for loan losses [Abstract]
Individually evaluated for impairment		3,271		3,271		2,708
Collectively evaluated for impairment		2,768		2,768		2,962
Total ending allowance balance		6,039		6,039		5,670
Loans [Abstract]
Individually evaluated for impairment		17,802		17,802		16,868
Collectively evaluated for impairment		775,794		775,794		733,399
Total loans recorded investment		793,596		793,596		750,267
Accrued interest included in recorded investment		1,596		1,596		1,869
Total loans		792,000		792,000		748,398
Mortgage [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		10,296	12,081	10,391	13,444
Additions (deductions) [Abstract]
Provision for loan losses		(359)	(101)	(638)	(834)
Recoveries credited to allowance		294	319	676	557
Loans charged against the allowance		(275)	(834)	(473)	(1,702)
Balance at end of period		9,956	11,465	9,956	11,465
Allowance for loan losses [Abstract]
Individually evaluated for impairment		7,262		7,262		7,818
Collectively evaluated for impairment		2,694		2,694		2,573
Total ending allowance balance		9,956		9,956		10,391
Loans [Abstract]
Individually evaluated for impairment		63,430		63,430		66,375
Collectively evaluated for impairment		444,865		444,865		436,349
Total loans recorded investment		508,295		508,295		502,724
Accrued interest included in recorded investment	[1]	2,274		2,274		2,270
Total loans		506,021		506,021		500,454
Installment [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		1,161	1,564	1,181	1,814
Additions (deductions) [Abstract]
Provision for loan losses		126	(45)	191	(130)
Recoveries credited to allowance		351	284	572	603
Loans charged against the allowance		(499)	(342)	(805)	(826)
Balance at end of period		1,139	1,461	1,139	1,461
Allowance for loan losses [Abstract]
Individually evaluated for impairment		408		408		457
Collectively evaluated for impairment		731		731		724
Total ending allowance balance		1,139		1,139		1,181
Loans [Abstract]
Individually evaluated for impairment		5,427		5,427		5,888
Collectively evaluated for impairment		247,973		247,973		226,409
Total loans recorded investment		253,400		253,400		232,297
Accrued interest included in recorded investment	[1]	688		688		698
Total loans		252,712		252,712		231,599
Payment Plan Receivables [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		53	62	56	64
Additions (deductions) [Abstract]
Provision for loan losses		(1)	3	(4)	1
Recoveries credited to allowance		0	0	0	0
Loans charged against the allowance		0	0	0	0
Balance at end of period		52	65	52	65
Allowance for loan losses [Abstract]
Individually evaluated for impairment		0		0		0
Collectively evaluated for impairment		52		52		56
Total ending allowance balance		52		52		56
Loans [Abstract]
Individually evaluated for impairment		0		0		0
Collectively evaluated for impairment		31,389		31,389		34,599
Total loans recorded investment		31,389		31,389		34,599
Accrued interest included in recorded investment		0		0		0
Total loans		31,389		31,389		34,599
Subjective Allocation [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		5,363	5,056	5,272	5,223
Additions (deductions) [Abstract]
Provision for loan losses		163	(168)	254	(335)
Recoveries credited to allowance		0	0	0	0
Loans charged against the allowance		0	0	0	0
Balance at end of period		5,526	$ 4,888	5,526	$ 4,888
Allowance for loan losses [Abstract]
Individually evaluated for impairment		0		0		0
Collectively evaluated for impairment		5,526		5,526		5,272
Total ending allowance balance		$ 5,526		$ 5,526		$ 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		Jun. 30, 2016	Dec. 31, 2015
Non performing loans [Abstract]
90+ and Still Accruing		$ 95	$ 118
Non-Accrual		10,803	10,607
Total Non-performing Loans		10,898	10,725
Accrued interest included in recorded investment		1	2
Aging analysis of loans by class [Abstract]
Total		15,829	15,637
Loans not Past Due		1,570,851	1,504,250
Total loans recorded investment		1,586,680	1,519,887
Accrued interest included in recorded investment		4,558	4,837
Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		5,175	5,881
Accrued interest included in recorded investment		44	53
Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		2,044	1,555
Accrued interest included in recorded investment		22	17
Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		8,610	8,201
Accrued interest included in recorded investment		1	2
Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Accrued interest included in recorded investment		67	72
Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Accrued interest included in recorded investment		4,491	4,765
Commercial [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		793,596	750,267
Accrued interest included in recorded investment		1,596	1,869
Commercial [Member] | Income Producing - Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		950	1,027
Total Non-performing Loans		950	1,027
Aging analysis of loans by class [Abstract]
Total		980	1,059
Loans not Past Due		306,698	305,155
Total loans recorded investment		307,678	306,214
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		30	203
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		176	209
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		774	647
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	49
Non-Accrual		133	401
Total Non-performing Loans		133	450
Aging analysis of loans by class [Abstract]
Total		256	252
Loans not Past Due		48,189	44,231
Total loans recorded investment		48,445	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		9	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		114	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		133	252
Commercial [Member] | Commercial and Industrial [Member]
Non performing loans [Abstract]
90+ and Still Accruing		95	69
Non-Accrual		2,533	2,028
Total Non-performing Loans		2,628	2,097
Aging analysis of loans by class [Abstract]
Total		915	952
Loans not Past Due		436,558	398,618
Total loans recorded investment		437,473	399,570
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		205	785
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		194	16
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		516	151
Mortgage [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		508,295	502,724
Accrued interest included in recorded investment	[1]	2,274	2,270
Mortgage [Member] | 1-4 Family [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		5,013	4,744
Total Non-performing Loans		5,013	4,744
Aging analysis of loans by class [Abstract]
Total		7,842	7,327
Loans not Past Due		281,979	272,298
Total loans recorded investment		289,821	279,625
Accrued interest included in recorded investment	[1]	1,383	1,396
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		2,142	1,943
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		687	640
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		5,013	4,744
Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		803	1,094
Total Non-performing Loans		803	1,094
Aging analysis of loans by class [Abstract]
Total		1,209	1,401
Loans not Past Due		107,824	114,619
Total loans recorded investment		109,033	116,020
Accrued interest included in recorded investment	[1]	479	477
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		328	307
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		78	0
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		803	1,094
Mortgage [Member] | Home Equity - 1st Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		180	187
Total Non-performing Loans		180	187
Aging analysis of loans by class [Abstract]
Total		443	237
Loans not Past Due		26,988	22,327
Total loans recorded investment		27,431	22,564
Accrued interest included in recorded investment	[1]	104	87
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		228	50
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		35	0
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		180	187
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		262	147
Total Non-performing Loans		262	147
Aging analysis of loans by class [Abstract]
Total		908	640
Loans not Past Due		51,461	50,618
Total loans recorded investment		52,369	51,258
Accrued interest included in recorded investment	[1]	210	196
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		494	439
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		152	54
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		262	147
Mortgage [Member] | Purchased Loans [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		6	2
Total Non-performing Loans		6	2
Aging analysis of loans by class [Abstract]
Total		12	12
Loans not Past Due		29,629	33,245
Total loans recorded investment		29,641	33,257
Accrued interest included in recorded investment	[1]	98	114
Mortgage [Member] | Purchased Loans [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		5	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		6	2
Installment [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		253,400	232,297
Accrued interest included in recorded investment	[1]	688	698
Installment [Member] | Home Equity - 1st Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		181	106
Total Non-performing Loans		181	106
Aging analysis of loans by class [Abstract]
Total		486	528
Loans not Past Due		14,430	16,707
Total loans recorded investment		14,916	17,235
Accrued interest included in recorded investment	[1]	57	78
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		268	315
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		37	107
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		181	106
Installment [Member] | Home Equity - 2nd Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		327	443
Total Non-performing Loans		327	443
Aging analysis of loans by class [Abstract]
Total		658	823
Loans not Past Due		16,612	19,727
Total loans recorded investment		17,270	20,550
Accrued interest included in recorded investment	[1]	64	83
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		210	231
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		121	149
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		327	443
Installment [Member] | Loans Not Secured by Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		382	421
Total Non-performing Loans		382	421
Aging analysis of loans by class [Abstract]
Total		749	1,071
Loans not Past Due		218,181	191,262
Total loans recorded investment		218,930	192,333
Accrued interest included in recorded investment	[1]	551	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		239	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		128	83
Installment [Member] | Loans Not Secured by Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		382	421
Installment [Member] | Other [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		15	2
Total Non-performing Loans		15	2
Aging analysis of loans by class [Abstract]
Total		28	20
Loans not Past Due		2,256	2,159
Total loans recorded investment		2,284	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		13	15
Installment [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	3
Installment [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		15	2
Payment Plan Receivables [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		31,389	34,599
Accrued interest included in recorded investment		0	0
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		516	556
Loans not Past Due		12,683	21,294
Total loans recorded investment		13,199	21,850
Payment Plan Receivables [Member] | Full Refund [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		377	492
Payment Plan Receivables [Member] | Full Refund [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		137	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		13	2
Total Non-performing Loans		13	2
Aging analysis of loans by class [Abstract]
Total		526	645
Loans not Past Due		10,572	5,834
Total loans recorded investment		11,098	6,479
Payment Plan Receivables [Member] | Partial Refund [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		397	415
Payment Plan Receivables [Member] | Partial Refund [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		116	228
Payment Plan Receivables [Member] | Partial Refund [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		13	2
Payment Plan Receivables [Member] | Other [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		3	1
Total Non-performing Loans		3	1
Aging analysis of loans by class [Abstract]
Total		301	114
Loans not Past Due		6,791	6,156
Total loans recorded investment		7,092	6,270
Payment Plan Receivables [Member] | Other [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		230	110
Payment Plan Receivables [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		68	3
Payment Plan Receivables [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		$ 3	$ 1
[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				6 Months Ended
		Jun. 30, 2016		Jun. 30, 2015	[2]	Jun. 30, 2016		Jun. 30, 2015	[3]	Dec. 31, 2015
Impaired loans [Abstract]
TDR		$ 173				$ 173				$ 2,518
Non - TDR		542				542				203
TDR allowances based on collateral		5,036				5,036				4,810
TDR - allowances based on present value cash flow		80,205				80,205				81,002
Non - TDR - allowance based on collateral		398				398				260
Non - TDR - allowance based on present value cash flow		0				0				0
Total impaired loans		86,354				86,354				88,793
Amount of allowance for loan losses allocated [Abstract]
TDR - allowance based on collateral		2,127				2,127				2,436
TDR - allowance based on present value cash flow		8,603				8,603				8,471
Non - TDR - allowance based on collateral		211				211				76
Non - TDR - allowance based on present value cash flow		0				0				0
Allowance for loan losses allocated		10,941				10,941				10,983
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	715				715				2,727
Unpaid Principal Balance, with no related allowance	[1]	1,906				1,906				3,744
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	85,944				85,944				86,404
Unpaid Principal Balance, with an allowance recorded	[1]	89,070				89,070				90,182
Recorded Investment	[1]	86,659				86,659				89,131
Unpaid Principal Balance	[1]	90,976				90,976				93,926
Related Allowance	[1]	10,941				10,941				10,983
Accrued interest included in recorded investment	[1]	305				305				338
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		1,636	[2]	$ 9,566		1,999	[3]	$ 9,594
Interest Income Recognized, with No Related Allowance		5	[2]	105		37	[3]	229
Average Recorded Investment, with Related Allowance		85,773	[2]	98,798		85,983	[3]	100,367
Interest Income Recognized, with Related Allowance		905	[2]	1,064		1,808	[3]	2,138
Average Recorded Investment		87,409	[2]	108,364		87,982	[3]	109,961
Interest Income Recognized		910	[2]	1,169		1,845	[3]	2,367
Commercial [Member] | Income Producing - Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	560				560				641
Unpaid Principal Balance, with no related allowance	[1]	806				806				851
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	8,186				8,186				8,377
Unpaid Principal Balance, with an allowance recorded	[1]	8,935				8,935				9,232
Recorded Investment	[1]	8,746				8,746				9,018
Unpaid Principal Balance	[1]	9,741				9,741				10,083
Related Allowance	[1]	663				663				516
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		673	[2]	5,658		662	[3]	5,728
Interest Income Recognized, with No Related Allowance		0	[2]	50		2	[3]	103
Average Recorded Investment, with Related Allowance		8,210	[2]	12,878		8,266	[3]	12,864
Interest Income Recognized, with Related Allowance		100	[2]	163		207	[3]	320
Average Recorded Investment		8,883	[2]	18,536		8,928	[3]	18,592
Interest Income Recognized		100	[2]	213		209	[3]	423
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	133				133				818
Unpaid Principal Balance, with no related allowance	[1]	709				709				1,393
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	1,844				1,844				1,690
Unpaid Principal Balance, with an allowance recorded	[1]	1,843				1,843				1,778
Recorded Investment	[1]	1,977				1,977				2,508
Unpaid Principal Balance	[1]	2,552				2,552				3,171
Related Allowance	[1]	158				158				296
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		335	[2]	1,021		496	[3]	1,031
Interest Income Recognized, with No Related Allowance		0	[2]	15		7	[3]	49
Average Recorded Investment, with Related Allowance		1,664	[2]	1,943		1,673	[3]	2,447
Interest Income Recognized, with Related Allowance		13	[2]	13		26	[3]	27
Average Recorded Investment		1,999	[2]	2,964		2,169	[3]	3,478
Interest Income Recognized		13	[2]	28		33	[3]	76
Commercial [Member] | Commercial and Industrial [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0				0				1,245
Unpaid Principal Balance, with no related allowance	[1]	0				0				1,241
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	7,079				7,079				4,097
Unpaid Principal Balance, with an allowance recorded	[1]	7,359				7,359				4,439
Recorded Investment	[1]	7,079				7,079				5,342
Unpaid Principal Balance	[1]	7,359				7,359				5,680
Related Allowance	[1]	2,450				2,450				1,896
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		609	[2]	2,855		821	[3]	2,798
Interest Income Recognized, with No Related Allowance		0	[2]	37		21	[3]	74
Average Recorded Investment, with Related Allowance		6,203	[2]	7,863		5,501	[3]	7,992
Interest Income Recognized, with Related Allowance		59	[2]	67		82	[3]	133
Average Recorded Investment		6,812	[2]	10,718		6,322	[3]	10,790
Interest Income Recognized		59	[2]	104		103	[3]	207
Mortgage [Member] | 1-4 Family [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	22				22				23
Unpaid Principal Balance, with no related allowance	[1]	348				348				183
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	45,474				45,474				47,792
Unpaid Principal Balance, with an allowance recorded	[1]	47,259				47,259				49,808
Recorded Investment	[1]	45,496				45,496				47,815
Unpaid Principal Balance	[1]	47,607				47,607				49,991
Related Allowance	[1]	4,700				4,700				5,132
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		11	[2]	25		15	[3]	17
Interest Income Recognized, with No Related Allowance		5	[2]	2		6	[3]	2
Average Recorded Investment, with Related Allowance		46,041	[2]	50,931		46,625	[3]	51,689
Interest Income Recognized, with Related Allowance		475	[2]	539		977	[3]	1,090
Average Recorded Investment		46,052	[2]	50,956		46,640	[3]	51,706
Interest Income Recognized		480	[2]	541		983	[3]	1,092
Mortgage [Member] | Resort Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0				0				0
Unpaid Principal Balance, with no related allowance	[1]	0				0				0
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	17,449				17,449				18,148
Unpaid Principal Balance, with an allowance recorded	[1]	17,484				17,484				18,319
Recorded Investment	[1]	17,449				17,449				18,148
Unpaid Principal Balance	[1]	17,484				17,484				18,319
Related Allowance	[1]	2,529				2,529				2,662
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	7		0	[3]	20
Interest Income Recognized, with No Related Allowance		0	[2]	0		0	[3]	0
Average Recorded Investment, with Related Allowance		17,689	[2]	18,482		17,842	[3]	18,587
Interest Income Recognized, with Related Allowance		159	[2]	173		319	[3]	344
Average Recorded Investment		17,689	[2]	18,489		17,842	[3]	18,607
Interest Income Recognized		159	[2]	173		319	[3]	344
Mortgage [Member] | Home Equity - 1st Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0				0				0
Unpaid Principal Balance, with no related allowance	[1]	0				0				0
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	243				243				168
Unpaid Principal Balance, with an allowance recorded	[1]	246				246				172
Recorded Investment	[1]	243				243				168
Unpaid Principal Balance	[1]	246				246				172
Related Allowance	[1]	11				11				9
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	0		0	[3]	0
Interest Income Recognized, with No Related Allowance		0	[2]	0		0	[3]	0
Average Recorded Investment, with Related Allowance		243	[2]	160		218	[3]	160
Interest Income Recognized, with Related Allowance		2	[2]	2		4	[3]	4
Average Recorded Investment		243	[2]	160		218	[3]	160
Interest Income Recognized		2	[2]	2		4	[3]	4
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0				0				0
Unpaid Principal Balance, with no related allowance	[1]	0				0				0
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	242				242				244
Unpaid Principal Balance, with an allowance recorded	[1]	324				324				325
Recorded Investment	[1]	242				242				244
Unpaid Principal Balance	[1]	324				324				325
Related Allowance	[1]	22				22				15
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	0		0	[3]	0
Interest Income Recognized, with No Related Allowance		0	[2]	0		0	[3]	0
Average Recorded Investment, with Related Allowance		181	[2]	185		202	[3]	165
Interest Income Recognized, with Related Allowance		4	[2]	4		5	[3]	6
Average Recorded Investment		181	[2]	185		202	[3]	165
Interest Income Recognized		4	[2]	4		5	[3]	6
Installment [Member] | Home Equity - 1st Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0				0				0
Unpaid Principal Balance, with no related allowance	[1]	43				43				76
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	2,172				2,172				2,364
Unpaid Principal Balance, with an allowance recorded	[1]	2,315				2,315				2,492
Recorded Investment	[1]	2,172				2,172				2,364
Unpaid Principal Balance	[1]	2,358				2,358				2,568
Related Allowance	[1]	130				130				143
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		1	[2]	0		0	[3]	0
Interest Income Recognized, with No Related Allowance		0	[2]	1		1	[3]	1
Average Recorded Investment, with Related Allowance		2,230	[2]	2,576		2,274	[3]	2,632
Interest Income Recognized, with Related Allowance		42	[2]	44		84	[3]	94
Average Recorded Investment		2,231	[2]	2,576		2,274	[3]	2,632
Interest Income Recognized		42	[2]	45		85	[3]	95
Installment [Member] | Home Equity - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0				0				0
Unpaid Principal Balance, with no related allowance	[1]	0				0				0
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	2,709				2,709				2,929
Unpaid Principal Balance, with an allowance recorded	[1]	2,725				2,725				2,951
Recorded Investment	[1]	2,709				2,709				2,929
Unpaid Principal Balance	[1]	2,725				2,725				2,951
Related Allowance	[1]	245				245				271
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		7	[2]	0		5	[3]	0
Interest Income Recognized, with No Related Allowance		0	[2]	0		0	[3]	0
Average Recorded Investment, with Related Allowance		2,751	[2]	3,101		2,810	[3]	3,138
Interest Income Recognized, with Related Allowance		41	[2]	49		85	[3]	100
Average Recorded Investment		2,758	[2]	3,101		2,815	[3]	3,138
Interest Income Recognized		41	[2]	49		85	[3]	100
Installment [Member] | Loans Not Secured by Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0				0				0
Unpaid Principal Balance, with no related allowance	[1]	0				0				0
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	541				541				587
Unpaid Principal Balance, with an allowance recorded	[1]	575				575				658
Recorded Investment	[1]	541				541				587
Unpaid Principal Balance	[1]	575				575				658
Related Allowance	[1]	33				33				42
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	0		0	[3]	0
Interest Income Recognized, with No Related Allowance		0	[2]	0		0	[3]	0
Average Recorded Investment, with Related Allowance		555	[2]	668		566	[3]	682
Interest Income Recognized, with Related Allowance		10	[2]	9		19	[3]	19
Average Recorded Investment		555	[2]	668		566	[3]	682
Interest Income Recognized		10	[2]	9		19	[3]	19
Installment [Member] | Other [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0				0				0
Unpaid Principal Balance, with no related allowance	[1]	0				0				0
No Related Allowance	[1]	0				0				0
Recorded Investment, with an allowance recorded	[1]	5				5				8
Unpaid Principal Balance, with an allowance recorded	[1]	5				5				8
Recorded Investment	[1]	5				5				8
Unpaid Principal Balance	[1]	5				5				8
Related Allowance	[1]	0				0				$ 1
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	0		0	[3]	0
Interest Income Recognized, with No Related Allowance		0	[2]	0		0	[3]	0
Average Recorded Investment, with Related Allowance		6	[2]	11		6	[3]	11
Interest Income Recognized, with Related Allowance		0	[2]	1		0	[3]	1
Average Recorded Investment		6	[2]	11		6	[3]	11
Interest Income Recognized		$ 0	[2]	$ 1		$ 0	[3]	$ 1
[1]	There were no impaired payment plan receivables or purchased mortgage loans at June 30, 2016 or December 31, 2015.
[2]	There were no impaired payment plan receivables or purchased mortgage loans during the three month periods ended June 30, 2016 and 2015, respectively.
[3]	There were no impaired payment plan receivables or purchased mortgage loans during the six month periods ended June 30, 2016 and 2015, respectively.

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended		6 Months Ended
		Jun. 30, 2016USD ($)Contract	Jun. 30, 2015USD ($)Contract	Jun. 30, 2016USD ($)Contract	Jun. 30, 2015USD ($)Contract	Dec. 31, 2015USD ($)
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		$ 85,414		$ 85,414		$ 88,330
Troubled debt restructuring, specific reserve		$ 10,700		$ 10,700		10,900
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		7	9	20	21
Pre-modification recorded balance		$ 221	$ 509	$ 2,480	$ 2,073
Post-modification recorded balance		224	527	2,527	1,863
Increase (decrease) in allowance for loan losses		0	100	300	100
Charge offs due to troubled debt restructurings		$ 0	$ 0	$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	2	0	3
Recorded Balance		$ 0	$ 69	$ 0	$ 161
Past due period for modified loans		90 days
Increase (decrease) in allowance for loan loss due to TDRs that subsequently defaulted			0		(10)
Charge-offs on TDRs that subsequently defaulted			$ 0		$ 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		$ 16,808		$ 16,808		16,359
Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		$ 68,606		$ 68,606		71,971
Income Producing - Real Estate [Member] | Commercial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	1	2	2
Pre-modification recorded balance		$ 0	$ 73	$ 110	$ 229
Post-modification recorded balance		$ 0	$ 73	$ 110	$ 234
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 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	0	0
Pre-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0	$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 0	$ 0
Commercial and Industrial [Member] | Commercial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	1	4	3
Pre-modification recorded balance		$ 0	$ 17	$ 1,758	$ 253
Post-modification recorded balance		$ 0	$ 17	$ 1,758	$ 247
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	1	0	2
Recorded Balance		$ 0	$ 65	$ 0	$ 157
1-4 Family [Member] | Mortgage [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	1	3	6
Pre-modification recorded balance		$ 109	$ 25	$ 192	$ 1,030
Post-modification recorded balance		$ 110	$ 40	$ 263	$ 845
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 0	$ 0
Resort Lending [Member] | Mortgage [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	1	1	1
Pre-modification recorded balance		$ 0	$ 313	$ 116	$ 313
Post-modification recorded balance		$ 0	$ 309	$ 117	$ 309
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 0	$ 0
Home Equity - 1st Lien [Member] | Mortgage [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0	1	0
Pre-modification recorded balance		$ 0	$ 0	$ 107	$ 0
Post-modification recorded balance		$ 0	$ 0	$ 78	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 0	$ 0
Home Equity - 1st Lien [Member] | Installment [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		3	1	4	5
Pre-modification recorded balance		$ 29	$ 23	$ 59	$ 190
Post-modification recorded balance		$ 29	$ 24	$ 60	$ 164
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 0	$ 0
Home Equity - 2nd Lien [Member] | Mortgage [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0	0	0
Pre-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0	$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 0	$ 0
Home Equity - 2nd Lien [Member] | Installment [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		2	3	4	3
Pre-modification recorded balance		$ 71	$ 58	$ 126	$ 58
Post-modification recorded balance		$ 73	$ 58	$ 129	$ 58
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 0	$ 0
Loans Not Secured by Real Estate [Member] | Installment [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		1	1	1	1
Pre-modification recorded balance		$ 12	$ 0	$ 12	$ 0
Post-modification recorded balance		$ 12	$ 6	$ 12	$ 6
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	1	0	1
Recorded Balance		$ 0	$ 4	$ 0	$ 4
Other [Member] | Installment [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract		0	0	0	0
Pre-modification recorded balance		$ 0	$ 0	$ 0	$ 0
Post-modification recorded balance		$ 0	$ 0	$ 0	$ 0
TDR that subsequently defaulted [Abstract]
Number of contracts | Contract		0	0	0	0
Recorded Balance		$ 0	$ 0	$ 0	$ 0
Performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		78,948		78,948		81,512
Performing TDRs [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		14,130		14,130		13,318
Performing TDRs [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		64,818		64,818		68,194
Non-performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[1]	6,466		6,466		6,818
Non-performing TDRs [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[1]	2,678		2,678		3,041
Non-performing TDRs [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[1],[2]	$ 3,788		$ 3,788		$ 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		Jun. 30, 2016	Dec. 31, 2015
Loan ratings/credit scores by loan class [Abstract]
Commercial		$ 792,000	$ 748,398
Accrued interest included in total		$ 4,558	4,837
Credit ratings of insurer or risk retention group counterparties [Abstract]
Subsidiary's outstanding payment plan insured by third party		42.00%
Subsidiary's outstanding payment plan 2, insured by third party		35.40%
Payment Plan Receivables, Full Refund		$ 13,199	21,850
Payment Plan Receivables, Partial Refund		11,098	6,479
Payment Plan Receivables, Other		7,092	6,270
Total		31,389	34,599
Other Real Estate and Foreclosed Assets [Abstract]
Foreclosed residential real estate properties		1,900	2,800
Retail mortgage loans in process of foreclosure		1,100	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		1,358	2,712
Payment Plan Receivables, Partial Refund		9,715	5,203
Payment Plan Receivables, Other		0	0
Total		11,073	7,915
AM Best Rating, A- Rating [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund		1,644	3,418
Payment Plan Receivables, Partial Refund		1,333	1,177
Payment Plan Receivables, Other		3,374	6,265
Total		6,351	10,860
AM Best Rating, B+ Rating [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund		0
Payment Plan Receivables, Partial Refund		0
Payment Plan Receivables, Other		3,717
Total		3,717
Not Rated [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund		10,197	15,720
Payment Plan Receivables, Partial Refund		39	93
Payment Plan Receivables, Other		1	5
Total		10,237	15,818
Commercial [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		793,596	750,267
Accrued interest included in total		1,596	1,869
Commercial [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		762,975	709,099
Accrued interest included in total		1,509	1,729
Commercial [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		19,519	29,363
Accrued interest included in total		62	108
Commercial [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		7,486	8,349
Accrued interest included in total		25	32
Commercial [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		3,616	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		307,678	306,214
Commercial [Member] | Income Producing - Real Estate [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		300,344	296,898
Commercial [Member] | Income Producing - Real Estate [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		5,334	6,866
Commercial [Member] | Income Producing - Real Estate [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		1,050	1,423
Commercial [Member] | Income Producing - Real Estate [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		950	1,027
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		48,445	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		46,529	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		1,669	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		114	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		133	401
Commercial [Member] | Commercial and Industrial [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		437,473	399,570
Commercial [Member] | Commercial and Industrial [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		416,102	371,357
Commercial [Member] | Commercial and Industrial [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		12,516	19,502
Commercial [Member] | Commercial and Industrial [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		6,322	6,683
Commercial [Member] | Commercial and Industrial [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		2,533	2,028
Mortgage [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	60,409	57,083
750-799	[1]	169,368	167,515
700-749	[1]	113,664	110,802
650-699	[1]	77,897	80,140
600-649	[1]	40,038	38,108
550-599	[1]	20,546	22,729
500-549	[1]	11,337	13,528
Under 500	[1]	6,409	5,771
Unknown	[1]	8,627	7,048
Total	[1]	508,295	502,724
Accrued interest included in total	[1]	2,274	2,270
Mortgage [Member] | 1-4 Family [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	31,459	28,760
750-799	[1]	83,455	78,802
700-749	[1]	59,358	56,519
650-699	[1]	52,187	51,813
600-649	[1]	28,791	27,966
550-599	[1]	15,745	16,714
500-549	[1]	8,594	10,610
Under 500	[1]	5,332	4,708
Unknown	[1]	4,900	3,733
Total	[1]	289,821	279,625
Accrued interest included in total	[1]	1,383	1,396
Mortgage [Member] | Resort Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	12,187	13,943
750-799	[1]	39,058	40,888
700-749	[1]	31,410	31,980
650-699	[1]	13,815	17,433
600-649	[1]	6,525	4,991
550-599	[1]	2,485	3,070
500-549	[1]	882	1,051
Under 500	[1]	600	554
Unknown	[1]	2,071	2,110
Total	[1]	109,033	116,020
Accrued interest included in total	[1]	479	477
Mortgage [Member] | Home Equity - 1st Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	6,000	4,374
750-799	[1]	9,279	7,137
700-749	[1]	4,840	4,341
650-699	[1]	3,646	3,203
600-649	[1]	1,347	1,467
550-599	[1]	743	1,027
500-549	[1]	581	572
Under 500	[1]	172	244
Unknown	[1]	823	199
Total	[1]	27,431	22,564
Accrued interest included in total	[1]	104	87
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	8,476	7,696
750-799	[1]	18,317	17,405
700-749	[1]	10,455	11,022
650-699	[1]	8,249	7,691
600-649	[1]	3,375	3,684
550-599	[1]	1,573	1,918
500-549	[1]	1,280	1,295
Under 500	[1]	305	265
Unknown	[1]	339	282
Total	[1]	52,369	51,258
Accrued interest included in total	[1]	210	196
Mortgage [Member] | Purchased Loans [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	2,287	2,310
750-799	[1]	19,259	23,283
700-749	[1]	7,601	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]	494	724
Total	[1]	29,641	33,257
Accrued interest included in total	[1]	98	114
Installment [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	54,412	47,886
750-799	[1]	109,258	97,379
700-749	[1]	45,036	41,889
650-699	[1]	24,884	24,645
600-649	[1]	8,772	9,505
550-599	[1]	4,705	5,252
500-549	[1]	2,833	3,142
Under 500	[1]	751	1,001
Unknown	[1]	2,749	1,598
Total	[1]	253,400	232,297
Accrued interest included in total	[1]	688	698
Installment [Member] | Home Equity - 1st Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	1,518	1,792
750-799	[1]	3,337	4,117
700-749	[1]	2,383	2,507
650-699	[1]	2,863	3,508
600-649	[1]	2,356	2,173
550-599	[1]	1,363	1,800
500-549	[1]	922	1,056
Under 500	[1]	141	223
Unknown	[1]	33	59
Total	[1]	14,916	17,235
Accrued interest included in total	[1]	57	78
Installment [Member] | Home Equity - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	2,133	1,782
750-799	[1]	4,198	5,931
700-749	[1]	3,299	3,899
650-699	[1]	3,503	4,182
600-649	[1]	1,820	2,153
550-599	[1]	1,423	1,346
500-549	[1]	649	855
Under 500	[1]	240	370
Unknown	[1]	5	32
Total	[1]	17,270	20,550
Accrued interest included in total	[1]	64	83
Installment [Member] | Loans Not Secured by Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	50,680	44,254
750-799	[1]	101,146	86,800
700-749	[1]	38,660	34,789
650-699	[1]	18,041	16,456
600-649	[1]	4,311	4,979
550-599	[1]	1,855	1,997
500-549	[1]	1,212	1,170
Under 500	[1]	345	385
Unknown	[1]	2,680	1,503
Total	[1]	218,930	192,333
Accrued interest included in total	[1]	551	520
Installment [Member] | Other [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	81	58
750-799	[1]	577	531
700-749	[1]	694	694
650-699	[1]	477	499
600-649	[1]	285	200
550-599	[1]	64	109
500-549	[1]	50	61
Under 500	[1]	25	23
Unknown	[1]	31	4
Total	[1]	2,284	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		6 Months Ended
		Jun. 30, 2016USD ($)	Jun. 30, 2015USD ($)	Jun. 30, 2016USD ($)Segment	Jun. 30, 2015USD ($)	Dec. 31, 2015USD ($)
Segments [Abstract]
Number of reportable segments | Segment				2
Selected financial information for reportable segments [Abstract]
Total assets		$ 2,452,696		$ 2,452,696		$ 2,409,066
Interest income		21,267	$ 20,131	42,621	$ 39,683
Net interest income		19,630	18,701	39,393	36,792
Provision for loan losses		(734)	(134)	(1,264)	(793)
Income (loss) before income tax		9,049	8,243	15,106	13,804
Net income (loss)		6,438	5,619	10,538	9,400
Other [Member]
Selected financial information for reportable segments [Abstract]
Total assets	[1]	282,570		282,570		286,936
Interest income	[1]	12	20	17	40
Net interest income	[1]	(274)	(234)	(545)	(461)
Provision for loan losses	[1]	0	0	0	0
Income (loss) before income tax	[1]	(274)	(356)	(697)	(739)
Net income (loss)	[1]	(129)	(225)	(396)	(469)
Operating Segments [Member] | IB [Member]
Selected financial information for reportable segments [Abstract]
Total assets		2,391,120		2,391,120		2,340,566
Interest income		20,216	18,701	40,459	36,922
Net interest income		18,989	17,717	38,091	34,900
Provision for loan losses		(734)	(138)	(1,260)	(794)
Income (loss) before income tax		9,298	8,843	16,160	15,102
Net income (loss)		6,550	5,935	11,169	10,168
Operating Segments [Member] | Mepco [Member]
Selected financial information for reportable segments [Abstract]
Total assets		50,178		50,178		57,208
Interest income		1,052	1,430	2,162	2,761
Net interest income		915	1,218	1,847	2,353
Provision for loan losses		0	4	(4)	1
Income (loss) before income tax		49	(221)	(310)	(512)
Net income (loss)		32	(77)	(205)	(269)
Elimination [Member]
Selected financial information for reportable segments [Abstract]
Total assets	[2]	(271,172)		(271,172)		$ (275,644)
Interest income	[2]	(13)	(20)	(17)	(40)
Net interest income	[2]	0	0	0	0
Provision for loan losses	[2]	0	0	0	0
Income (loss) before income tax	[2]	(24)	(23)	(47)	(47)
Net income (loss)	[2]	$ (15)	$ (14)	$ (30)	$ (30)
[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 Earn44

Shareholders' Equity and Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands		Nov. 15, 2011	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Apr. 26, 2016	Jan. 21, 2016
Class of Stock [Line Items]
Stock repurchased					$ 15,510	$ 3,668
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			$ 6,438	$ 5,619	$ 10,538	$ 9,400
Weighted average shares outstanding (in shares)	[1]		21,281,000	22,889,000	21,516,000	22,943,000
Stock units for deferred compensation plan for non-employee directors (in shares)			114,000	111,000	114,000	111,000
Effect of stock options (in shares)			148,000	120,000	150,000	120,000
Restricted stock units (in shares)			55,000	310,000	70,000	310,000
Performance share units (in shares)			41,000	0	37,000	0
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)			21,639,000	23,430,000	21,887,000	23,484,000
Net income per common share [Abstract]
Basic (in dollars per share)	[1]		$ 0.30	$ 0.25	$ 0.49	$ 0.41
Diluted (in dollars per share)			$ 0.30	$ 0.24	$ 0.48	$ 0.40
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		52,703
Stock repurchase program, remaining amount to be repurchased			$ 5,000		$ 5,000
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	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 Instrume45

Derivative Financial Instruments (Details) - No Hedge Designation [Member] - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2016	Dec. 31, 2015
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 178,895	$ 126,271
Average Maturity	4 years 8 months 12 days	3 years 8 months 12 days
Fair Value	$ 522	$ 619
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	3,307	1,238
Liability Derivatives	2,785	619
Rate-Lock Mortgage Loan Commitments [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 26,831	$ 20,581
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ 899	$ 550
Rate-Lock Mortgage Loan Commitments [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	899	550
Rate-Lock Mortgage Loan Commitments [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Mandatory Commitments to Sell Mortgage Loans [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 57,034	$ 46,320
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ (377)	$ 69
Mandatory Commitments to Sell Mortgage Loans [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	69
Mandatory Commitments to Sell Mortgage Loans [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	377	0
Interest Rate Swap [Member] | Fixed Income Interest Rate [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 44,396	$ 27,587
Average Maturity	9 years 1 month 6 days	8 years
Fair Value	$ (2,205)	$ (497)
Interest Rate Swap [Member] | Fixed Income Interest Rate [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	0
Interest Rate Swap [Member] | Fixed Income Interest Rate [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	2,205	497
Interest Rate Swap [Member] | Variable Income Interest Rate [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 44,396	$ 27,587
Average Maturity	9 years 1 month 6 days	8 years
Fair Value	$ 2,205	$ 497
Interest Rate Swap [Member] | Variable Income Interest Rate [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	2,205	497
Interest Rate Swap [Member] | Variable Income Interest Rate [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Purchased Options [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 3,119	$ 2,098
Average Maturity	5 years	5 years 8 months 12 days
Fair Value	$ 203	$ 122
Purchased Options [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	203	122
Purchased Options [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	0	0
Written Options [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 3,119	$ 2,098
Average Maturity	5 years	5 years 8 months 12 days
Fair Value	$ (203)	$ (122)
Written Options [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	0
Written Options [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	$ 203	$ 122

Derivative Financial Instrume46

Derivative Financial Instruments, Effect on Statement of Operations (Details) - No Hedge Designation [Member] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ (110)	$ 276	$ (97)	$ 625
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	130	(283)	349	105
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	(240)	559	(446)	520
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	3	0	81	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	(3)	0	(81)	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	(590)	221	(1,708)	(40)
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	$ 590	$ (221)	$ 1,708	$ 40

Intangible Assets (Details)

Intangible Assets (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Amortized intangible assets - core deposits [Abstract]
Gross Carrying Amount	$ 6,118	$ 6,118
Accumulated Amortization	4,012	$ 3,838
Summary of estimated intangible amortization [Abstract]
Six months ending December 31, 2016	173
2,017	346
2,018	346
2,019	346
2,020	346
2021 and thereafter	549
Total	$ 2,106

Share Based Compensation (Detai

Share Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2016	Mar. 31, 2016	Jun. 30, 2015	Mar. 31, 2015	Jun. 30, 2016	Jun. 30, 2015
Share based compensation arrangements [Line Items]
Number of additional shares approved for grant (in shares)					200,000
Total compensation cost not yet recognized	$ 2,100				$ 2,100
Total compensation cost not yet recognized, period for recognition					2 years
Information regarding options exercised [Abstract]
Intrinsic value	60		$ 187		$ 177	$ 243
Cash proceeds received	27		67		59	82
Tax benefit realized	$ 21		$ 65		62	85
Long-term Incentive Plan [Member]
Share based compensation arrangements [Line Items]
Number of stock units or restricted shares issued in period (in shares)	0		0
Total compensation expense recognized	$ 400		$ 400		800	700
Tax benefit relating to compensation expense recognized	$ 100		100		$ 300	$ 300
Stock Options [Member]
Outstanding stock option grants and transaction [Roll Forward]
Outstanding, beginning balance (in shares)		235,596			235,596
Granted (in shares)					0
Exercised (in shares)					(16,014)
Forfeited (in shares)					(664)
Expired (in shares)					(400)
Outstanding, ending balance (in shares)	218,518				218,518
Vested and expected to vest, period end (in shares)	218,518				218,518
Exercisable, period end (in shares)	218,518				218,518
Weighted Average Exercise Price [Roll Forward]
Outstanding, beginning balance (in dollars per share)		$ 4.94			$ 4.94
Exercised (in dollars per share)					3.69
Forfeited (in dollars per share)					6.42
Expired (in dollars per share)					4.25
Outstanding, ending balance (in dollars per share)	$ 5.02				5.02
Vested and expected to vest, period end (in dollars per share)	5.02				5.02
Exercisable, period end (in dollars per share)	$ 5.02				$ 5.02
Weighted-Average Remaining Contractual Term [Abstract]
Outstanding, Weighted Average Remaining Contractual Term					5 years 6 months 14 days
Vested and Expected to Vest, Weighted-Average Remaining Contractual Term					5 years 6 months 14 days
Exercisable, Weighted Average Remaining Contractual Term					5 years 6 months 14 days
Aggregate intrinsic value [Abstract]
Outstanding, Aggregate Intrinsic Value	$ 2,109				$ 2,109
Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	2,109				2,109
Exercisable, Aggregate Intrinsic Value	$ 2,109				$ 2,109
Non-Vested Restricted Stock, Restricted Stock Units and PSU's [Member]
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)		261,981			261,981
Granted (in shares)					96,660
Vested (in shares)					(107,795)
Forfeited (in shares)					(4,924)
Outstanding, ending balance (in shares)	245,922				245,922
Weighted Average Grant Date Fair Value [Roll Forward]
Outstanding, beginning balance (in dollars per share)		$ 11.29			$ 11.29
Granted (in dollars per share)					14.39
Vested (in dollars per share)					7.92
Forfeited (in dollars per share)					13.24
Outstanding, ending balance (in dollars per share)	$ 13.94				$ 13.94
Director [Member]
Share based compensation arrangements [Line Items]
Shares issues as retainer fees (in shares)					4,000	2,000
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		$ 60	$ 30
Tax benefit relating to compensation expense recognized	$ 10		$ 10		$ 20	$ 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		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Income Tax [Abstract]
Income tax expense	$ 2,611	$ 2,624	$ 4,568	$ 4,404
Tax benefit relating to compensation expense recognized	(300)			$ (300)
Gross unrecognized tax benefits	1,000		1,000		$ 1,000
Mepco [Member]
Valuation Allowance [Line Items]
Valuation allowance against deferred tax assets attributable to Mepco	$ 1,100		$ 1,100		$ 1,100

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Jun. 30, 2016	Dec. 31, 2015	Jun. 30, 2015	Dec. 31, 2014
Regulatory Matters [Abstract]
Undivided profits			$ 2,100
Request for approval to transfer capital from bank to parent entity	$ 18,000	$ 18,500
Components of regulatory capital [Abstract]
Total shareholders' equity			246,923	$ 251,092	$ 254,375	$ 250,371
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes			(3,283)	(6,036)
Intangible assets			(2,106)	(2,280)
Consolidated [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital			275,163	278,170
Minimum for Adequately Capitalized Institutions, Amount			$ 137,844	$ 133,668
Actual, Ratio			15.97%	16.65%
Minimum for Adequately Capitalized Institutions, Ratio			8.00%	8.00%
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount			$ 253,484	$ 257,050
Minimum for Adequately Capitalized Institutions, Amount			$ 103,383	$ 100,251
Actual, Ratio			14.71%	15.38%
Minimum for Adequately Capitalized Institutions, Ratio			6.00%	6.00%
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount			$ 228,648	$ 239,271
Minimum for Adequately Capitalized Institutions, Amount			$ 77,537	$ 75,188
Actual, Ratio			13.27%	14.32%
Minimum for Adequately Capitalized Institutions, Ratio			4.50%	4.50%
Tier 1 capital to average assets [Abstract]
Tier 1 capital			$ 253,484	$ 257,050
Minimum for Adequately Capitalized Institutions, Amount			$ 96,803	$ 94,217
Actual, Ratio			10.47%	10.91%
Minimum for Adequately Capitalized Institutions, Ratio			4.00%	4.00%
Components of regulatory capital [Abstract]
Total shareholders' equity			$ 246,923	$ 251,092
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes			(2,515)	238
Intangible assets			(1,264)	(912)
Disallowed deferred tax assets			(14,496)	(11,147)
Common equity tier 1 capital			228,648	239,271
Qualifying trust preferred securities			34,500	34,500
Disallowed deferred tax assets			(9,664)	(16,721)
Tier 1 capital			253,484	257,050
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets			21,679	21,120
Total risk-based capital			275,163	278,170
Independent Bank [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital			260,344	261,894
Minimum for Adequately Capitalized Institutions, Amount			137,712	133,514
Minimum for Well Capitalized Institutions, Amount			$ 172,140	$ 166,893
Actual, Ratio			15.12%	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			$ 238,734	$ 240,867
Minimum for Adequately Capitalized Institutions, Amount			103,284	100,136
Minimum for Well-Capitalized Institutions, Amount			$ 137,712	$ 133,514
Actual, Ratio			13.87%	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			$ 238,734	$ 240,867
Minimum for Adequately Capitalized Institutions, Amount			77,463	75,102
Minimum for Well-Capitalized Institutions, Amount			$ 111,891	$ 108,480
Actual, Ratio			13.87%	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			$ 238,734	$ 240,867
Minimum for Adequately Capitalized Institutions, Amount			96,737	94,145
Minimum for Well-Capitalized Institutions, Amount			$ 120,921	$ 117,682
Actual, Ratio			9.87%	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			$ 256,850	$ 259,947
Add (deduct) [Abstract]
Accumulated other comprehensive (income) loss for regulatory purposes			(2,514)	238
Intangible assets			(1,264)	(912)
Disallowed deferred tax assets			(14,338)	(18,406)
Common equity tier 1 capital			238,734	240,867
Qualifying trust preferred securities			0	0
Disallowed deferred tax assets			0	0
Tier 1 capital			238,734	240,867
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets			21,610	21,027
Total risk-based capital			$ 260,344	$ 261,894

Fair Value Disclosures, Signifi

Fair Value Disclosures, Significant Assumptions (Details) - USD ($) $ in Thousands		Jun. 30, 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		212	$ 148
Securities available for sale		599,755	585,484
Loans held for sale		31,713	27,866
Assets [Abstract]
Capitalized mortgage loan servicing rights		10,007	8,481
U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		31,679	47,512
U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		182,063	196,056
U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		7,996	34,028
Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		26,246	4,903
Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		139,846	116,904
Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		158,341	144,984
Corporate [Member]
Assets [Abstract]
Securities available for sale		49,527	38,614
Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,397	2,483
Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,660
Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities		212	148
Loans held for sale		31,713	27,866
Derivatives	[1]	3,307	1,238
Liabilities [Abstract]
Derivatives	[2]	2,785	619
Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		31,679	47,512
Fair Value, Measurements, Recurring [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		182,063	196,056
Fair Value, Measurements, Recurring [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		7,996	34,028
Fair Value, Measurements, Recurring [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		26,246	4,903
Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		139,846	116,904
Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		158,341	144,984
Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		49,527	38,614
Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,397	2,483
Fair Value, Measurements, Recurring [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,660
Fair Value, Measurements, Nonrecurring [Member]
Assets [Abstract]
Capitalized mortgage loan servicing rights	[3]	10,007	8,481
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	[4]	649	711
Land, land development & construction - real estate	[4]	158	40
Commercial and industrial	[4]	1,638	1,257
Mortgage [Abstract]
1-4 Family	[4]	651	421
Resort Lending	[4]		129
Commercial [Abstract]
Land, land development & construction - real estate	[4]	158	40
Commercial and industrial	[4]	1,638	1,257
Mortgage [Abstract]
1-4 Family	[4]	651	421
Resort Lending	[4]		129
Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Land, land development & construction - real estate	[5]	176	639
Commercial and industrial	[5]		165
Mortgage [Abstract]
1-4 Family	[5]	48	26
Resort Lending	[5]	92	107
Commercial [Abstract]
Land, land development & construction - real estate	[5]	176	639
Commercial and industrial	[5]		165
Mortgage [Abstract]
1-4 Family	[5]	48	26
Resort Lending	[5]	92	107
Home equity - 1st lien	[5]		14
Installment [Abstract]
Home equity - 1st lien	[5]		36
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Trading securities		212	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		212	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
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
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
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Trading securities		0	0
Securities available for sale		599,755	585,484
Derivatives		3,307	1,238
Liabilities [Abstract]
Derivatives		2,785	619
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities		0	0
Loans held for sale		31,713	27,866
Derivatives	[1]	3,307	1,238
Liabilities [Abstract]
Derivatives	[2]	2,785	619
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		31,679	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		182,063	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		7,996	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		26,246	4,903
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		139,846	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		158,341	144,984
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		49,527	38,614
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,397	2,483
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,660
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
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
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
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]	10,007	8,481
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	[4]	649	711
Land, land development & construction - real estate	[4]	158	40
Commercial and industrial	[4]	1,638	1,257
Mortgage [Abstract]
1-4 Family	[4]	651	421
Resort Lending	[4]		129
Commercial [Abstract]
Land, land development & construction - real estate	[4]	158	40
Commercial and industrial	[4]	1,638	1,257
Mortgage [Abstract]
1-4 Family	[4]	651	421
Resort Lending	[4]		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]	176	639
Commercial and industrial	[5]		165
Mortgage [Abstract]
1-4 Family	[5]	48	26
Resort Lending	[5]	92	107
Commercial [Abstract]
Land, land development & construction - real estate	[5]	176	639
Commercial and industrial	[5]		165
Mortgage [Abstract]
1-4 Family	[5]	48	26
Resort Lending	[5]	$ 92	107
Home equity - 1st lien	[5]		14
Installment [Abstract]
Home equity - 1st lien	[5]		$ 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, Changes

Fair Value Disclosures, Changes in Fair Value for Financial Assets (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015	Dec. 31, 2015
Impairment charges recognized [Abstract]
Capitalized mortgage loan servicing rights, carrying amount	$ 10,000		$ 10,000		$ 8,500
Capitalized mortgage loan servicing rights, valuation allowance	5,400		5,400		3,300
Capitalized mortgage loan servicing rights	(600)	$ 1,200	(2,100)	$ 500
Collateral dependent loans, carrying amount	5,400		5,400		5,100
Collateral dependent loans, valuation allowance	2,300		2,300		2,500
Additional provision for loan losses on impaired loans	(100)	500	300	1,000
Other real estate, carrying amount	300		300		1,000
Other real estate, valuation allowance	1,100		1,100		$ 1,700
Other real estate, additional charge	$ 40	$ 220	60	370
Trading Securities [Member]
Changes in fair value for financial assets [Abstract]
Net Gains (Losses) on Assets			64	(23)
Total Change in Fair Values Included in Current Period Earnings			64	(23)
Loans Held For Sale [Member]
Changes in fair value for financial assets [Abstract]
Net Gains (Losses) on Assets			478	(121)
Total Change in Fair Values Included in Current Period Earnings			$ 478	$ (121)

Fair Value Disclosures, Quantit

Fair Value Disclosures, Quantitative Information About Level 3 (Details) - USD ($)		3 Months Ended	6 Months Ended	12 Months Ended
		Jun. 30, 2016	Jun. 30, 2016	Dec. 31, 2015
Asset (Liability) Fair Value [Abstract]
Capitalized mortgage loan servicing rights		$ 10,007,000	$ 10,007,000	$ 8,481,000
Impaired Loans Commercial [Member]
Impaired loan [Abstract]
Commercial	[1]	2,240,000	$ 2,240,000	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		651,000	$ 651,000	$ 550,000
Other Real Estate Commercial [Member]
Other real estate [Abstract]
Commercial		176,000	176,000	804,000
Mortgage and Installment [Member]
Other real estate [Abstract]
Mortgage and installment		$ 140,000	$ 140,000	$ 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			10.05%	10.04%
Cost to service			$ 80	$ 80
Ancillary income			$ 24	$ 24
Float rate			0.98%	1.73%
Sales Comparison Approach [Member] | Impaired Loans Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales			(1.50%)	(2.10%)
Sales Comparison Approach [Member] | Mortgage [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales			4.20%	0.70%
Sales Comparison Approach [Member] | Other Real Estate Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales			(22.50%)	(3.90%)
Sales Comparison Approach [Member] | Mortgage and Installment [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales			73.80%	75.60%
[1]	In addition to the valuation techniques and unobservable inputs discussed above, at June 30, 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 June 30, 2016 and December 31, 2015. Valuation techniques at June 30, 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, Differe

Fair Value Disclosures, Difference Between Aggregate Fair Value and Aggregate Remaining Contractual Principal (Details) - USD ($) $ in Thousands	Jun. 30, 2016	Dec. 31, 2015
Fair value option - Loans held for sale [Abstract]
Loans held for sale	$ 31,713	$ 27,866
Difference	1,192	714
Contractual Principal	$ 30,521	$ 27,152

Fair Values of Financial Inst55

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands		Jun. 30, 2016	Dec. 31, 2015
Assets [Abstract]
Interest bearing deposits - time		$ 8,560	$ 11,866
Trading securities		212	148
Securities available for sale		599,755	585,484
Federal Home Loan Bank and Federal Reserve Bank Stock		15,229	15,471
Liabilities [Abstract]
Other borrowings		11,797	11,954
Subordinated debentures		35,569	35,569
Reciprocal deposits included in deposits with no stated maturity		12,400	11,800
Reciprocal deposits included in deposits with stated maturity		37,000	38,400
Recorded Book Balance [Member]
Assets [Abstract]
Cash and due from banks		34,542	54,260
Interest bearing deposits		26,488	31,523
Interest bearing deposits - time		8,560	11,866
Trading securities		212	148
Securities available for sale		599,755	585,484
Federal Home Loan Bank and Federal Reserve Bank Stock		15,229	15,471
Net loans and loans held for sale		1,591,123	1,520,346
Accrued interest receivable		6,767	6,565
Derivative financial instruments		3,307	1,238
Liabilities [Abstract]
Deposits with no stated maturity	[1]	1,687,965	1,659,743
Deposits with stated maturity	[1]	440,327	426,220
Other borrowings		11,797	11,954
Subordinated debentures		35,569	35,569
Accrued interest payable		536	466
Derivative financial instruments		2,785	619
Fair Value [Member]
Assets [Abstract]
Cash and due from banks		34,542	54,260
Interest bearing deposits		26,488	31,523
Interest bearing deposits - time		8,600	11,858
Trading securities		212	148
Securities available for sale		599,755	585,484
Net loans and loans held for sale		1,566,760	1,472,613
Accrued interest receivable		6,767	6,565
Derivative financial instruments		3,307	1,238
Liabilities [Abstract]
Deposits with no stated maturity	[1]	1,687,965	1,659,743
Deposits with stated maturity	[1]	439,916	423,776
Other borrowings		13,152	13,448
Subordinated debentures		22,445	23,069
Accrued interest payable		536	466
Derivative financial instruments		2,785	619
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and due from banks		34,542	54,260
Interest bearing deposits		26,488	31,523
Interest bearing deposits - time		0	0
Trading securities		212	148
Securities available for sale		0	0
Net loans and loans held for sale		0	0
Accrued interest receivable		3	5
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity	[1]	1,687,965	1,659,743
Deposits with stated maturity	[1]	0	0
Other borrowings		0	0
Subordinated debentures		0	0
Accrued interest payable		18	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		8,600	11,858
Trading securities		0	0
Securities available for sale		599,755	585,484
Net loans and loans held for sale		31,713	27,866
Accrued interest receivable		2,178	1,969
Derivative financial instruments		3,307	1,238
Liabilities [Abstract]
Deposits with no stated maturity	[1]	0	0
Deposits with stated maturity	[1]	439,916	423,776
Other borrowings		13,152	13,448
Subordinated debentures		22,445	23,069
Accrued interest payable		518	445
Derivative financial instruments		2,785	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		1,535,047	1,444,747
Accrued interest receivable		4,586	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 $12.4 million and $11.8 million at June 30, 2016 and December 31, 2015, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $37.0 million and $38.4 million at June 30, 2016 and December 31, 2015, respectively.

Contingent Liabilities (Details

Contingent Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended			6 Months Ended
	Jun. 30, 2016	Mar. 31, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 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	$ 3,036			$ 3,036		$ 7,229
Vehicle service contract counterparty contingencies	(1)		$ 30	29	$ 59
Provision for loss reimbursement on sold loans	0		$ 45	(15)	$ (24)
Reserve for loss reimbursement on sold mortgage loans	500			500		$ 500
Promissory Note [Member]
Loss Contingencies [Line Items]
Notes payable amount of settlement to counterparties	$ 1,500
Term of note	5 years
Full reserve on the remaining balance				1,450
Pending Litigation [Member] | Maximum [Member]
Loss Contingencies [Line Items]
Estimate of reasonably possible loss	$ 1,000			$ 1,000
Accounts Receivables Due to Mepco [Member] | Minimum [Member]
Loss Contingencies [Line Items]
Installment payments period for service contract				12 months
Accounts Receivables Due to Mepco [Member] | Maximum [Member]
Loss Contingencies [Line Items]
Installment payments period for service contract				24 months

Accumulated Other Comprehensi57

Accumulated Other Comprehensive Loss ("AOCL") (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2016	Jun. 30, 2015	Jun. 30, 2016	Jun. 30, 2015
Accumulated Other Comprehensive Income Loss [Line Items]
Balance at beginning of period			$ 251,092	$ 250,371
Other comprehensive income (loss) before reclassifications	$ 1,588	$ (1,188)	2,937	295
Amounts reclassified from AOCL	(72)	0	(184)	(49)
Net current period other comprehensive income (loss)	1,516	(1,188)	2,753	246
Balance at end of period	246,923	254,375	246,923	254,375
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total reclassifications before tax	9,049	8,243	15,106	13,804
Income tax expense	2,611	2,624	4,568	4,404
Reclassifications, net of tax	6,438	5,619	10,538	9,400
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Balance at beginning of period	(4,799)	(4,202)	(6,036)	(5,636)
Balance at end of period	(3,283)	(5,390)	(3,283)	(5,390)
Unrealized Gains (Losses) on Securities Available For Sale [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Balance at beginning of period	999	1,596	(238)	162
Other comprehensive income (loss) before reclassifications	1,588	(1,188)	2,937	295
Amounts reclassified from AOCL	(72)	0	(184)	(49)
Net current period other comprehensive income (loss)	1,516	(1,188)	2,753	246
Balance at end of period	2,515	408	2,515	408
Unrealized Gains (Losses) on Securities Available For Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net gains on securities	109	0	283	75
Net impairment loss recognized in earnings	0	0	0	0
Total reclassifications before tax	109	0	283	75
Income tax expense	37	0	99	26
Reclassifications, net of tax	72	0	184	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)	(5,798)	(5,798)
Other comprehensive income (loss) before reclassifications	0	0	0	0
Amounts reclassified from AOCL	0	0	0	0
Net current period other comprehensive income (loss)	0	0	0	0
Balance at end of period	$ (5,798)	$ (5,798)	$ (5,798)	$ (5,798)