Independent Bank (IBCP) 10-Q 3 May 17 2017 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2017	May 02, 2017
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		21,333,152
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q1
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Mar. 31, 2017

Condensed Consolidated Statemen

Condensed Consolidated Statements of Financial Condition (unaudited) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Assets
Cash and due from banks	$ 29,866	$ 35,238
Interest bearing deposits	39,957	47,956
Cash and Cash Equivalents	69,823	83,194
Interest bearing deposits - time	5,340	5,591
Trading securities	331	410
Securities available for sale	608,964	610,616
Federal Home Loan Bank and Federal Reserve Bank stock, at cost	15,543	15,543
Loans held for sale, carried at fair value	37,613	35,946
Payment plan receivables and other assets held for sale	34,798	33,360
Loans
Commercial	815,484	804,017
Mortgage	581,030	538,615
Installment	274,233	265,616
Total Loans	1,670,747	1,608,248
Allowance for loan losses	(20,038)	(20,234)
Net Loans	1,650,709	1,588,014
Other real estate and repossessed assets	5,257	5,004
Property and equipment, net	39,509	40,175
Bank-owned life insurance	53,763	54,033
Deferred tax assets, net	28,954	32,818
Capitalized mortgage loan servicing rights	14,727
Capitalized mortgage loan servicing rights		13,671
Vehicle service contract counterparty receivables, net	2,176	2,271
Other intangibles	1,845	1,932
Accrued income and other assets	27,130	26,372
Total Assets	2,596,482	2,548,950
Deposits
Non-interest bearing	710,644	717,472
Savings and interest-bearing checking	1,062,582	1,015,724
Reciprocal	41,383	38,657
Time	448,450	453,866
Total Deposits	2,263,059	2,225,719
Other borrowings	9,433	9,433
Subordinated debentures	35,569	35,569
Other liabilities held for sale	1,435	718
Accrued expenses and other liabilities	31,511	28,531
Total Liabilities	2,341,007	2,299,970
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: 21,327,796 shares at March 31, 2017 and 21,258,092 shares at December 31, 2016	323,775	323,745
Accumulated deficit	(61,764)	(65,657)
Accumulated other comprehensive loss	(6,536)	(9,108)
Total Shareholders' Equity	255,475	248,980
Total Liabilities and Shareholders' Equity	$ 2,596,482	$ 2,548,950

Condensed Consolidated Stateme3

Condensed Consolidated Statements of Financial Condition (unaudited) (Parenthetical) - $ / shares	Mar. 31, 2017	Dec. 31, 2016
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)	21,327,796	21,258,092
Common stock, shares outstanding (in shares)	21,327,796	21,258,092

Condensed Consolidated Stateme4

Condensed Consolidated Statements of Operations (unaudited) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2017	Mar. 31, 2016
Interest Income
Interest and fees on loans		$ 19,858	$ 18,556
Interest on securities
Taxable		2,754	2,244
Tax-exempt		455	248
Other investments		312	306
Total Interest Income		23,379	21,354
Interest Expense
Deposits		1,443	1,114
Other borrowings and subordinated debentures		470	477
Total Interest Expense		1,913	1,591
Net Interest Income		21,466	19,763
Provision for loan losses		(359)	(530)
Net Interest Income After Provision for Loan Losses		21,825	20,293
Non-interest Income
Service charges on deposit accounts		3,009	2,845
Interchange income		1,922	1,878
Net gains on assets
Mortgage loans		2,571	1,642
Securities		27	162
Mortgage loan servicing, net		825	(978)
Title insurance fees		264	288
Other		1,721	1,972
Total Non-Interest Income		10,339	7,809
Non-interest Expense
Compensation and employee benefits		14,147	11,881
Occupancy, net		2,142	2,207
Data processing		1,937	2,101
Furniture, fixtures and equipment		977	984
Communications		683	888
Loan and collection		413	825
Advertising		506	477
Legal and professional		437	413
FDIC deposit insurance		198	334
Interchange expense		283	266
Credit card and bank service fees		191	187
Other		1,655	1,482
Total Non-Interest Expense		23,569	22,045
Income Before Income Tax		8,595	6,057
Income tax expense		2,621	1,957
Net Income		$ 5,974	$ 4,100
Net Income Per Common Share
Basic (in dollars per share)	[1]	$ 0.28	$ 0.19
Diluted (in dollars per share)		0.28	0.19
Dividends Per Common Share
Declared (in dollars per share)		0.10	0.08
Paid (in dollars per share)		$ 0.10	$ 0.08
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Condensed Consolidated Stateme5

Condensed Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Condensed Consolidated Statements of Comprehensive Income (unaudited) [Abstract]
Net income	$ 5,974	$ 4,100
Securities available for sale
Unrealized gains arising during period	3,623	2,114
Change in unrealized gains for which a portion of other than temporary impairment has been recognized in earnings	(22)	(36)
Reclassification adjustments for gains included in earnings	(106)	(174)
Unrealized gains recognized in other comprehensive income on securities available for sale	3,495	1,904
Income tax expense	1,223	667
Unrealized gains recognized in other comprehensive income on available for sale securities, net of tax	2,272	1,237
Other comprehensive income	2,272	1,237
Comprehensive income	$ 8,246	$ 5,337

Condensed Consolidated Stateme6

Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Condensed Consolidated Statements of Cash Flows (unaudited) [Abstract]
Net income	$ 5,974	$ 4,100
Adjustments to Reconcile Net Income to Net Cash From Operating Activities
Proceeds from sales of loans held for sale	81,681	57,181
Disbursements for loans held for sale	(80,777)	(55,689)
Net increase in other liabilities held for sale	717	0
Provision for loan losses	(359)	(530)
Deferred income tax expense	3,836	2,468
Deferred loan fees	(931)	(216)
Net depreciation, amortization of intangible assets and premiums and accretion of discounts on securities, loans and interest bearing deposits - time	1,279	1,306
Net gains on mortgage loans	(2,571)	(1,642)
Net gains on securities	(27)	(162)
Share based compensation	432	410
Increase in accrued income and other assets	(2,848)	(1,130)
Decrease in accrued expenses and other liabilities	(3,218)	(613)
Total Adjustments	(2,786)	1,383
Net Cash From Operating Activities	3,188	5,483
Cash Flow From (Used in) Investing Activities
Proceeds from the sale of securities available for sale	6,152	42,391
Proceeds from the maturity of securities available for sale	4,770	13,385
Principal payments received on securities available for sale	45,305	37,246
Purchases of securities available for sale	(45,673)	(74,259)
Proceeds from the maturity of interest bearing deposits - time	251	1,678
Purchase of Federal Reserve Bank stock	0	(129)
Net increase in portfolio loans (loans originated, net of principal payments)	(61,003)	(23,280)
Net increase in payment plan receivables and other assets held for sale	(1,438)	0
Proceeds from bank-owned life insurance	523	0
Proceeds from the collection of vehicle service contract counterparty receivables	191	4,217
Proceeds from the sale of other real estate and repossessed assets	238	1,357
Capital expenditures	(680)	(611)
Net Cash From (Used in) Investing Activities	(51,364)	1,995
Cash Flow From Financing Activities
Net increase in total deposits	37,340	68,743
Net decrease in other borrowings	0	(1)
Dividends paid	(2,133)	(1,750)
Proceeds from issuance of common stock	25	32
Repurchase of common stock	0	(15,510)
Share based compensation withholding obligation	(427)	(66)
Net Cash From Financing Activities	34,805	51,448
Net Increase (Decrease) in Cash and Cash Equivalents	(13,371)	58,926
Cash and Cash Equivalents at Beginning of Period	83,194	85,783
Cash and Cash Equivalents at End of Period	69,823	144,709
Cash paid during the period for
Interest	1,622	1,495
Income taxes	140	120
Transfers to other real estate and repossessed assets	502	873
Transfer of payment plan receivables to vehicle service contract counterparty receivables	0	191
Purchase of securities available for sale not yet settled	$ 6,046	$ 21,329

Condensed Consolidated Stateme7

Condensed Consolidated Statements of Shareholders' Equity (unaudited) $ in Thousands	USD ($)
Balance at beginning of period at Dec. 31, 2015	$ 251,092
Balance at beginning of period, as adjusted at Dec. 31, 2015	251,092
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	4,100
Cash dividends declared	(1,750)
Issuance of common stock	32
Share based compensation	410
Share based compensation withholding obligation	(66)
Repurchase of common stock	(15,510)
Net change in accumulated other comprehensive loss, net of related tax effect	1,237
Balance at end of period at Mar. 31, 2016	239,545
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cumulative effect of change in accounting	0
Balance at beginning of period at Dec. 31, 2016	248,980
Balance at beginning of period, as adjusted at Dec. 31, 2016	249,332
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net income	5,974
Cash dividends declared	(2,133)
Issuance of common stock	25
Share based compensation	432
Share based compensation withholding obligation	(427)
Repurchase of common stock	0
Net change in accumulated other comprehensive loss, net of related tax effect	2,272
Balance at end of period at Mar. 31, 2017	255,475
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Cumulative effect of change in accounting	$ 352

Preparation of Financial Statem

Preparation of Financial Statements	3 Months Ended
	Mar. 31, 2017
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, 2016 included in our Annual Report on Form 10-K. In our opinion, the accompanying unaudited condensed consolidated financial statements contain all the adjustments necessary to present fairly our consolidated financial condition as of March 31, 2017 and December 31, 2016, and the results of operations for the three month periods ended March 31, 2017 and 2016. The results of operations for the three month period ended March 31, 2017, is 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 valuation of originated mortgage loan servicing rights and the valuation of deferred tax assets. Refer to our 2016 Annual Report on Form 10-K for a disclosure of our accounting policies.

New Accounting Standards

New Accounting Standards	3 Months Ended
	Mar. 31, 2017
New Accounting Standards [Abstract]
New Accounting Standards	2. New Accounting Standards In May 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“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. We have reviewed the types of financial instruments impacted by this amended guidance, including certain equity investments and liabilities measured under the fair value election, and have determined that we do not currently own any such instruments. The balance of this amended guidance is expected to impact certain disclosure items but is not expected to have any 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. Based on a review of our operating leases that we currently have in place we do not expect a material change in the recognition, measurement and presentation of lease expense or impact on cash flow. While the primary impact will be the recognition of certain operating leases on our Condensed Consolidated Statements of Financial Condition this impact is not expected to be material. In June 2016, the FASB issued ASU 2016-13, “Financial Instruments — Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments”. This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not 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 securities available for sale, 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. This amended guidance is effective for us on January 1, 2020. We began evaluating this ASU in 2016 and have formed a committee that includes personnel from various areas of the Bank that meets regularly to discuss the implementation of the ASU. We are in the process of gathering data and reviewing loss methodologies as well as reviewing certain software applications that would assist us in the implementation of this ASU. While we have not yet determined what the impact will be on our consolidated operating results or financial condition by the nature of the implementation of an expected loss model compared to an incurred loss approach, we would expect our AFLL to increase under this ASU. In March 2017, the FASB issued ASU 2017-08, “Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20) Premium Amortization on Purchased Callable Debt Securities” (“ASU 2017-08”). This ASU shortens the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. This amended guidance is effective for us on January 1, 2019, with early adoption permitted. We adopted this amended guidance during the first quarter of 2017 using a modified retrospective approach. The impact of this adoption was to adjust our January 1, 2017 Condensed Consolidated Statement of Financial Position to reflect cumulative effect adjustments as summarized in the table below. The adjustments below reflect the recording of $0.46 million ($0.30 million, net of tax) of additional premium amortization on securities available for sale and a $0.30 million decrease in accumulated other comprehensive During the first quarter of 2017, we adopted the fair value method of accounting for our capitalized mortgage loan servicing rights pursuant to FASB Accounting Standards Codification topic 860 – “Transfers and Servicing”. Prior to January 1, 2017, we were accounting for our capitalized mortgage loan servicing rights under the amortization method. We adopted the fair value method using a modified retrospective adjustment to beginning accumulated deficit. The impact of the adoption of the fair value method is summarized in the table below. The adjustments below reflect the recording of a $0.54 million increase in the fair value of our capitalized mortgage loan servicing rights with a $0.19 million reduction in deferred tax assets, net for a net impact on accumulated deficit and total equity of $0.35 million. January 1, 2017 Originally Presented Cumulative Retrospective Adjustments January 1, 2017 Adjusted (Dollars in thousands) Deferred tax assets, net $ 32,818 $ (190 ) (1) $ 32,628 Capitalized mortgage loan servicing rights $ 13,671 $ 542 (1) $ 14,213 Total assets $ 2,548,950 $ 352 $ 2,549,302 Accumulated deficit $ (65,657 ) $ 352 (1) $ (300 ) (2) $ (65,605 ) Accumulated other comprehensive loss $ (9,108 ) $ 300 (2) $ (8,808 ) Total Shareholders’ Equity $ 248,980 $ 352 $ 249,332 Total Liabilities and Shareholders’ Equity $ 2,548,950 $ 352 $ 2,549,302 (1) Represents adjustment to capitalized mortgage loan servicing rights, deferred tax assets, net, and accumulated deficit to reflect the adoption of the fair value method of accounting for our capitalized mortgage loan servicing rights. (2) Represents adjustment to accumulated deficit and accumulated other comprehensive loss to reflect the adoption of ASU 2017-08.

Securities

Securities	3 Months Ended
	Mar. 31, 2017
Securities [Abstract]
Securities	3. Securities Securities available for sale consist of the following: Amortized Cost Unrealized Fair Value Gains Losses (In thousands) March 31, 2017 U.S. agency $ 28,636 $ 211 $ 63 $ 28,784 U.S. agency residential mortgage-backed 147,432 1,165 723 147,874 U.S. agency commercial mortgage-backed 12,298 52 155 12,195 Private label mortgage-backed 29,018 218 396 28,840 Other asset backed 145,659 346 210 145,795 Obligations of states and political subdivisions 181,727 716 2,193 180,250 Corporate 60,790 380 203 60,967 Trust preferred 2,924 - 271 2,653 Foreign government 1,616 - 10 1,606 Total $ 610,100 $ 3,088 $ 4,224 $ 608,964 December 31, 2016 U.S. agency $ 28,909 $ 159 $ 80 $ 28,988 U.S. agency residential mortgage-backed 156,053 1,173 937 156,289 U.S. agency commercial mortgage-backed 12,799 28 195 12,632 Private label mortgage-backed 35,035 216 524 34,727 Other asset backed 146,829 271 391 146,709 Obligations of states and political subdivisions 175,180 478 4,759 170,899 Corporate 56,356 223 399 56,180 Trust preferred 2,922 - 343 2,579 Foreign government 1,626 - 13 1,613 Total $ 615,709 $ 2,548 $ 7,641 $ 610,616 We adopted ASU 2017-08 during the first quarter of 2017 using a modified retrospective approach. As a result, the amortized cost of securities as of January 1, 2017 was adjusted lower by $0.46 million (see note #2). Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) March 31, 2017 U.S. agency $ 3,721 $ 24 $ 7,707 $ 39 $ 11,428 $ 63 U.S. agency residential mortgage-backed 46,206 537 20,682 186 66,888 723 U.S. agency commercial mortgage-backed 6,672 154 140 1 6,812 155 Private label mortgage-backed 17,038 173 1,321 223 18,359 396 Other asset backed 39,168 95 11,949 115 51,117 210 Obligations of states and political subdivisions 103,301 2,030 10,090 163 113,391 2,193 Corporate 15,461 155 1,955 48 17,416 203 Trust preferred - - 2,653 271 2,653 271 Foreign government 1,606 10 - - 1,606 10 Total $ 233,173 $ 3,178 $ 56,497 $ 1,046 $ 289,670 $ 4,224 December 31, 2016 U.S. agency $ 4,179 $ 41 $ 8,217 $ 39 $ 12,396 $ 80 U.S. agency residential mortgage-backed 62,524 732 20,857 205 83,381 937 U.S. agency commercial mortgage-backed 6,079 194 143 1 6,222 195 Private label mortgage-backed 20,545 281 1,413 243 21,958 524 Other asset backed 52,958 172 17,763 219 70,721 391 Obligations of states and political subdivisions 113,078 4,014 14,623 745 127,701 4,759 Corporate 25,546 292 2,810 107 28,356 399 Trust preferred - - 2,579 343 2,579 343 Foreign government 1,613 13 - - 1,613 13 Total $ 286,522 $ 5,739 $ 68,405 $ 1,902 $ 354,927 $ 7,641 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. U.S. agency, U.S. agency residential mortgage-backed securities and U.S. agency commercial mortgage backed securities — at March 31, 2017, we had 23 U.S. agency, 118 U.S. agency residential mortgage-backed and 13 U.S. agency commercial mortgage-backed securities whose fair market value is less than amortized cost. The unrealized losses are largely attributed to increases in interest rates since acquisition and widening spreads to Treasury bonds. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Private label mortgage backed securities — at March 31, 2017, we had 30 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 all four 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 periodically 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 March 31, 2017, we had 97 other asset backed securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening and increases in interest rates since acquisition. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Obligations of states and political subdivisions — at March 31, 2017, we had 308 municipal securities whose fair value is less than amortized cost. The unrealized losses are primarily due to increases in interest rates since acquisition. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Corporate — at March 31, 2017, we had 19 corporate securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening and increases in interest rates since acquisition. As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Trust preferred securities — at March 31, 2017, we had three trust preferred securities whose fair value is less than amortized cost. All of our trust preferred securities are single issue securities issued by a trust subsidiary of a bank holding company. The pricing of trust preferred securities has suffered from credit spread widening. One of the three securities is rated by two major rating agencies as investment grade, while one (a Bank of America issuance) is rated below investment grade by two major rating agencies and the other one is non-rated. The non-rated issue is a relatively small bank and was never rated. The issuer of this non-rated trust preferred security, which had a total amortized cost of $1.0 million and total fair value of $0.8 million as of March 31, 2017, continues to have satisfactory credit metrics and make interest payments. The following table breaks out our trust preferred securities in further detail as of March 31, 2017 and December 31, 2016: March 31, 2017 December 31, 2016 Fair Value Net Unrealized Loss Fair Value Net Unrealized Loss (In thousands) Trust preferred securities Rated issues $ 1,812 $ (112 ) $ 1,800 $ (123 ) Unrated issues 841 (159 ) 779 (220 ) As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no declines are deemed to be other than temporary. Foreign government — at March 31, 2017, we had one foreign government security whose fair value is less than amortized cost. The unrealized loss is primarily due to increases in interest rates since acquisition. As management does not intend to liquidate this security and it is more likely than not that we will not be required to sell this security prior to recovery of this unrealized loss, this decline is not deemed to be other than temporary. We recorded no credit related OTTI charges in our Condensed Consolidated Statements of Operations related to securities available for sale during the three month periods ended March 31, 2017 and 2016, respectively. At March 31, 2017, three private label mortgage-backed securities had credit related OTTI and are summarized as follows: Senior Security Super Senior Security Senior Support Security Total (In thousands) As of March 31, 2017 Fair value $ 1,127 $ 1,013 $ 72 $ 2,212 Amortized cost 1,092 958 - 2,050 Non-credit unrealized loss - - - - Unrealized gain 35 55 72 162 Cumulative credit related OTTI 757 457 380 1,594 Credit related OTTI recognized in our Condensed Consolidated Statements of Operations For the three months ended March 31, 2017 $ - $ - $ - $ - 2016 - - - - 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 March 31, 2017. 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 month periods ending March 31, follows: Three months ended March 31, 2017 2016 (In thousands) Balance at beginning of period $ 1,844 $ 1,844 Additions to credit losses on securities for which no previous OTTI was recognized - - Increases to credit losses on securities for which OTTI was previously recognized - - Balance at end of period $ 1,844 $ 1,844 The amortized cost and fair value of securities available for sale at March 31, 2017, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 20,583 $ 20,596 Maturing after one year but within five years 107,748 107,791 Maturing after five years but within ten years 85,047 84,667 Maturing after ten years 62,315 61,206 275,693 274,260 U.S. agency residential mortgage-backed 147,432 147,874 U.S. agency commercial mortgage-backed 12,298 12,195 Private label residential mortgage-backed 29,018 28,840 Other asset backed 145,659 145,795 Total $ 610,100 $ 608,964 The actual maturity may differ from the contractual maturity because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Gains and losses realized on the sale of securities available for sale are determined using the specific identification method and are recognized on a trade-date basis. A summary of proceeds from the sale of securities available for sale and gains and losses for the three month periods ending March 31, follows: Proceeds Realized Gains Losses (In thousands) 2017 $ 6,152 $ 106 $ - 2016 42,391 226 52 During 2017 and 2016, our trading securities consisted of various preferred stocks. During the first three months of 2017 and 2016, we recognized losses on trading securities of $0.079 million and $0.012 million, respectively, that are included in net gains on securities in the . Both of these amounts relate to losses recognized on trading securities still held at each respective period end.

Loans

Loans	3 Months Ended
	Mar. 31, 2017
Loans [Abstract]
Loans	4. Loans Our assessment of the allowance for loan losses is based on an evaluation of the loan portfolio, recent loss experience, current economic conditions and other pertinent factors. An analysis of the allowance for loan losses by portfolio segment for the three months ended March 31, follows: Commercial Mortgage Installment Payment Plan Receivables(1) Subjective Allocation Total (In thousands) 2017 Balance at beginning of period $ 4,880 $ 8,681 $ 1,011 $ - $ 5,662 $ 20,234 Additions (deductions) Provision for loan losses (61 ) (699 ) 133 - 268 (359 ) Recoveries credited to allowance 404 486 239 - - 1,129 Loans charged against the allowance (135 ) (359 ) (472 ) - - (966 ) Balance at end of period $ 5,088 $ 8,109 $ 911 $ - $ 5,930 $ 20,038 2016 Balance at beginning of period $ 5,670 $ 10,391 $ 1,181 $ 56 $ 5,272 $ 22,570 Additions (deductions) Provision for loan losses (404 ) (279 ) 65 (3 ) 91 (530 ) Recoveries credited to allowance 356 382 221 - - 959 Loans charged against the allowance - (198 ) (306 ) - - (504 ) Balance at end of period $ 5,622 $ 10,296 $ 1,161 $ 53 $ 5,363 $ 22,495 (1) Payment plan receivables were reclassified to held for sale at December 31, 2016. See note #15. Allowance for loan losses and recorded investment in loans by portfolio segment follows: Commercial Mortgage Installment Subjective Allocation Total (In thousands) March 31, 2017 Allowance for loan losses Individually evaluated for impairment $ 1,162 $ 6,147 $ 325 $ - $ 7,634 Collectively evaluated for impairment 3,926 1,962 586 5,930 12,404 Total ending allowance balance $ 5,088 $ 8,109 $ 911 $ 5,930 $ 20,038 Loans Individually evaluated for impairment $ 11,573 $ 57,216 $ 4,675 $ 73,464 Collectively evaluated for impairment 805,883 526,178 270,329 1,602,390 Total loans recorded investment 817,456 583,394 275,004 1,675,854 Accrued interest included in recorded investment 1,972 2,364 771 5,107 Total loans $ 815,484 $ 581,030 $ 274,233 $ 1,670,747 December 31, 2016 Allowance for loan losses Individually evaluated for impairment $ 2,244 $ 6,579 $ 329 $ - $ 9,152 Collectively evaluated for impairment 2,636 2,102 682 5,662 11,082 Total ending allowance balance $ 4,880 $ 8,681 $ 1,011 $ 5,662 $ 20,234 Loans Individually evaluated for impairment $ 15,767 $ 59,151 $ 4,913 $ 79,831 Collectively evaluated for impairment 790,228 481,828 261,474 1,533,530 Total loans recorded investment 805,995 540,979 266,387 1,613,361 Accrued interest included in recorded investment 1,978 2,364 771 5,113 Total loans $ 804,017 $ 538,615 $ 265,616 $ 1,608,248 Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow: 90+ and Still Accruing Non- Accrual Total Non- Performing Loans (In thousands) March 31, 2017 Commercial Income producing - real estate $ - $ 579 $ 579 Land, land development and construction - real estate - 4 4 Commercial and industrial - 742 742 Mortgage 1-4 family - 4,950 4,950 Resort lending - 1,414 1,414 Home equity - 1st lien - 208 208 Home equity - 2nd lien - 290 290 Purchased loans - - - Installment Home equity - 1st lien - 184 184 Home equity - 2nd lien - 350 350 Boat lending - 129 129 Recreational vehicle lending - 26 26 Other - 140 140 Total recorded investment $ - $ 9,016 $ 9,016 Accrued interest included in recorded investment $ - $ 2 $ 2 December 31, 2016 Commercial Income producing - real estate $ - $ 628 $ 628 Land, land development and construction - real estate - 105 105 Commercial and industrial - 4,430 4,430 Mortgage 1-4 family - 5,248 5,248 Resort lending - 1,507 1,507 Home equity - 1st lien - 222 222 Home equity - 2nd lien - 317 317 Purchased loans - - - Installment Home equity - 1st lien - 266 266 Home equity - 2nd lien - 289 289 Boat lending - 219 219 Recreational vehicle lending - 21 21 Other - 112 112 Total recorded investment $ - $ 13,364 $ 13,364 Accrued interest included in recorded investment $ - $ - $ - An aging analysis of loans by class follows: Loans Past Due Loans not Past Due Total Loans 30-59 days 60-89 days 90+ days Total (In thousands) March 31, 2017 Commercial Income producing - real estate $ - $ 30 $ 418 $ 448 $ 281,597 $ 282,045 Land, land development and construction - real estate - - - - 53,649 53,649 Commercial and industrial 366 114 69 549 481,213 481,762 Mortgage 1-4 family 2,169 586 4,950 7,705 357,881 365,586 Resort lending 137 21 1,414 1,572 98,371 99,943 Home equity - 1st lien 133 - 208 341 30,596 30,937 Home equity - 2nd lien 385 32 290 707 48,280 48,987 Purchased loans 3 1 - 4 37,937 37,941 Installment Home equity - 1st lien 91 24 184 299 11,569 11,868 Home equity - 2nd lien 100 78 350 528 12,115 12,643 Boat lending 85 3 129 217 107,826 108,043 Recreational vehicle lending 42 2 26 70 78,698 78,768 Other 140 37 140 317 63,365 63,682 Total recorded investment $ 3,651 $ 928 $ 8,178 $ 12,757 $ 1,663,097 $ 1,675,854 Accrued interest included in recorded investment $ 46 $ 10 $ 2 $ 58 $ 5,049 $ 5,107 December 31, 2016 Commercial Income producing - real estate $ - $ - $ 383 $ 383 $ 287,255 $ 287,638 Land, land development and construction - real estate 74 - 31 105 51,670 51,775 Commercial and industrial 100 1,385 66 1,551 465,031 466,582 Mortgage 1-4 family 2,361 869 5,248 8,478 306,063 314,541 Resort lending - - 1,507 1,507 101,541 103,048 Home equity - 1st lien 149 - 222 371 28,645 29,016 Home equity - 2nd lien 470 218 317 1,005 54,232 55,237 Purchased loans 13 2 - 15 39,122 39,137 Installment Home equity - 1st lien 311 48 266 625 12,025 12,650 Home equity - 2nd lien 238 41 289 568 13,390 13,958 Boat lending 184 33 219 436 102,489 102,925 Recreational vehicle lending 68 33 21 122 74,413 74,535 Other 289 30 112 431 61,888 62,319 Total recorded investment $ 4,257 $ 2,659 $ 8,681 $ 15,597 $ 1,597,764 $ 1,613,361 Accrued interest included in recorded investment $ 45 $ 19 $ - $ 64 $ 5,049 $ 5,113 Impaired loans are as follows: March 31, 2017 December 31, 2016 Impaired loans with no allocated allowance (In thousands) TDR $ 370 $ 1,782 Non - TDR - 1,107 Impaired loans with an allocated allowance TDR - allowance based on collateral 2,358 3,527 TDR - allowance based on present value cash flow 70,160 72,613 Non - TDR - allowance based on collateral 286 491 Total impaired loans $ 73,174 $ 79,520 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 680 $ 1,868 TDR - allowance based on present value cash flow 6,901 7,146 Non - TDR - allowance based on collateral 53 138 Total amount of allowance for loan losses allocated $ 7,634 $ 9,152 Impaired loans by class are as follows (1): March 31, 2017 December 31, 2016 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 370 $ 581 $ - $ 517 $ 768 $ - Land, land development & construction-real estate - - - 31 709 - Commercial and industrial - - - 2,341 3,261 - Mortgage 1-4 family 1 384 - 2 387 - Resort lending - - - - - - Home equity - 1st lien - - - - - - Home equity - 2nd lien - - - - - - Installment Home equity - 1st lien - 73 - - 66 - Home equity - 2nd lien - - - - - - Boat lending - - - - - - Recreational vehicle lending - - - - - - Other - - - - - - 371 1,038 - 2,891 5,191 - With an allowance recorded: Commercial Income producing - real estate 7,741 7,925 603 7,737 7,880 554 Land, land development & construction-real estate 167 872 8 239 244 36 Commercial and industrial 3,295 4,341 551 4,902 5,246 1,654 Mortgage 1-4 family 40,098 41,850 3,740 41,701 43,479 4,100 Resort lending 16,691 16,727 2,359 16,898 16,931 2,453 Home equity - 1st lien 234 241 28 235 242 10 Home equity - 2nd lien 192 276 20 315 398 16 Installment Home equity - 1st lien 1,884 2,007 92 1,994 2,117 118 Home equity - 2nd lien 2,308 2,339 205 2,415 2,443 182 Boat lending 1 6 - 1 6 - Recreational vehicle lending 106 105 6 109 108 6 Other 376 409 22 394 426 23 73,093 77,098 7,634 76,940 79,520 9,152 Total Commercial Income producing - real estate 8,111 8,506 603 8,254 8,648 554 Land, land development & construction-real estate 167 872 8 270 953 36 Commercial and industrial 3,295 4,341 551 7,243 8,507 1,654 Mortgage 1-4 family 40,099 42,234 3,740 41,703 43,866 4,100 Resort lending 16,691 16,727 2,359 16,898 16,931 2,453 Home equity - 1st lien 234 241 28 235 242 10 Home equity - 2nd lien 192 276 20 315 398 16 Installment Home equity - 1st lien 1,884 2,080 92 1,994 2,183 118 Home equity - 2nd lien 2,308 2,339 205 2,415 2,443 182 Boat lending 1 6 - 1 6 - Recreational vehicle lending 106 105 6 109 108 6 Other 376 409 22 394 426 23 Total $ 73,464 $ 78,136 $ 7,634 $ 79,831 $ 84,711 $ 9,152 Accrued interest included in recorded investment $ 290 $ 311 (1) There were no impaired purchased mortgage loans at March 31, 2017 or December 31, 2016. Average recorded investment in and interest income earned on impaired loans by class for the three month periods ending March 31, follows (1): 2017 2016 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 444 $ - $ 713 $ 2 Land, land development & construction-real estate 16 - 678 7 Commercial and industrial 1,171 - 1,232 21 Mortgage 1-4 family 2 4 12 1 Resort lending - - - - Home equity - 1st lien - - - - Home equity - 2nd lien - - - - Installment Home equity - 1st lien - 1 1 1 Home equity - 2nd lien - - 7 - Boat lending - - - - Recreational vehicle lending - - - - Other - - - - 1,633 5 2,643 32 With an allowance recorded: Commercial Income producing - real estate 7,739 105 8,306 107 Land, land development & construction-real estate 203 2 1,587 13 Commercial and industrial 4,099 35 4,712 23 Mortgage 1-4 family 40,900 464 47,200 502 Resort lending 16,795 161 18,039 160 Home equity - 1st lien 235 2 206 2 Home equity - 2nd lien 254 2 182 1 Installment Home equity - 1st lien 1,939 34 2,326 42 Home equity - 2nd lien 2,362 35 2,861 44 Boat lending 1 - 2 - Recreational vehicle lending 108 1 120 2 Other 385 7 463 7 75,020 848 86,004 903 Total Commercial Income producing - real estate 8,183 105 9,019 109 Land, land development & construction-real estate 219 2 2,265 20 Commercial and industrial 5,270 35 5,944 44 Mortgage 1-4 family 40,902 468 47,212 503 Resort lending 16,795 161 18,039 160 Home equity - 1st lien 235 2 206 2 Home equity - 2nd lien 254 2 182 1 Installment Home equity - 1st lien 1,939 35 2,327 43 Home equity - 2nd lien 2,362 35 2,868 44 Boat lending 1 - 2 - Recreational vehicle lending 108 1 120 2 Other 385 7 463 7 Total $ 76,653 $ 853 $ 88,647 $ 935 (1) There were no impaired purchased mortgage loans during the three month periods ended March 31, 2017 and 2016, respectively. Our average investment in impaired loans was approximately $76.7 million and $88.6 million for the three-month periods ended March 31, 2017 and 2016, respectively. Cash receipts on impaired loans on non-accrual status are generally applied to the principal balance. Interest income recognized on impaired loans during both the three months ending March 31, 2017 and 2016, was approximately $0.9 million. Troubled debt restructurings follow: March 31, 2017 Commercial Retail (1) Total (In thousands) Performing TDRs $ 10,206 $ 57,544 $ 67,750 Non-performing TDRs(2) 1,039 4,099 (3) 5,138 Total $ 11,245 $ 61,643 $ 72,888 December 31, 2016 Commercial Retail (1) Total (In thousands) Performing TDRs $ 10,560 $ 59,726 $ 70,286 Non-performing TDRs(2) 3,565 4,071 (3) 7,636 Total $ 14,125 $ 63,797 $ 77,922 (1) Retail loans include mortgage and installment loan segments. (2) Included in non-performing loans table above. (3) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis. We allocated $7.6 million and $9.0 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of March 31, 2017 and December 31, 2016, respectively. During the three months ended March 31, 2017 and 2016, 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) 2017 Commercial Income producing - real estate - $ - $ - Land, land development & construction-real estate - - - Commercial and industrial 3 133 133 Mortgage 1-4 family 1 17 17 Resort lending 1 189 189 Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 2 34 37 Home equity - 2nd lien 2 45 46 Boat lending - - - Recreational vehicle lending - - - Other - - - Total 9 $ 418 $ 422 2016 Commercial Income producing - real estate 2 $ 110 $ 110 Land, land development & construction-real estate - - - Commercial and industrial 4 1,758 1,758 Mortgage 1-4 family 2 83 153 Resort lending 1 116 117 Home equity - 1st lien 1 107 78 Home equity - 2nd lien - - - Installment Home equity - 1st lien 1 30 31 Home equity - 2nd lien 2 55 56 Boat lending - - - Recreational vehicle lending - - - Other - - - Total 13 $ 2,259 $ 2,303 (1) There were no purchased mortgage loans classified as troubled debt restructurings during the three month periods ended March 31, 2017 and 2016, respectively. The troubled debt restructurings described above for 2017 increased the allowance for loan losses by $0.05 million and resulted in zero charge offs while the troubled debt restructurings described above for 2016 increased the allowance for loan losses by $0.06 million and resulted in zero charge offs. 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 within twelve months following the modification during the three months ended March 31, 2017 or 2016. In order to determine whether a borrower is experiencing financial difficulty, we perform an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under our internal underwriting policy. Credit Quality Indicators For commercial loans, we use a loan rating system that is similar to those employed by state and federal banking regulators. Loans are graded on a scale of 1 to 12. A description of the general characteristics of the ratings follows: Rating 1 through 6 Rating 7 and 8 Rating 9 Rating 10 and 11 Rating 12 The following table summarizes loan ratings by loan class for our commercial loan segment: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) March 31, 2017 Income producing - real estate $ 277,648 $ 3,407 $ 411 $ 579 $ 282,045 Land, land development and construction - real estate 53,578 67 - 4 53,649 Commercial and industrial 468,378 9,786 2,856 742 481,762 Total $ 799,604 $ 13,260 $ 3,267 $ 1,325 $ 817,456 Accrued interest included in total $ 1,912 $ 45 $ 15 $ - $ 1,972 December 31, 2016 Income producing - real estate $ 282,886 $ 3,787 $ 337 $ 628 $ 287,638 Land, land development and construction - real estate 51,603 67 - 105 51,775 Commercial and industrial 449,365 9,788 2,998 4,431 466,582 Total $ 783,854 $ 13,642 $ 3,335 $ 5,164 $ 805,995 Accrued interest included in total $ 1,915 $ 52 $ 11 $ - $ 1,978 For each of our mortgage and installment segment classes, we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan segments: Mortgage (1) 1-4 Family Resort Lending Home Equity 1st Lien Home Equity 2nd Lien Purchased Loans Total (In thousands) March 31, 2017 800 and above $ 38,929 $ 10,347 $ 6,716 $ 7,846 $ 8,420 $ 72,258 750-799 124,778 40,569 10,926 16,893 20,309 213,475 700-749 86,342 24,152 6,176 10,568 8,646 135,884 650-699 58,861 13,542 4,012 7,058 435 83,908 600-649 26,474 5,143 1,602 3,115 - 36,334 550-599 13,199 3,006 453 1,635 - 18,293 500-549 8,815 1,397 482 963 - 11,657 Under 500 4,976 91 256 276 - 5,599 Unknown 3,212 1,696 314 633 131 5,986 Total $ 365,586 $ 99,943 $ 30,937 $ 48,987 $ 37,941 $ 583,394 Accrued interest included in total $ 1,535 $ 381 $ 123 $ 213 $ 112 $ 2,364 December 31, 2016 800 and above $ 36,534 $ 10,484 $ 6,048 $ 8,392 $ 8,462 $ 69,920 750-799 102,382 41,999 10,006 20,113 20,984 195,484 700-749 69,337 24,727 5,706 12,360 9,115 121,245 650-699 50,621 13,798 4,106 8,167 437 77,129 600-649 25,270 5,769 1,674 3,067 - 35,780 550-599 13,747 3,030 455 1,699 - 18,931 500-549 9,215 1,438 486 981 - 12,120 Under 500 5,145 92 255 279 - 5,771 Unknown 2,290 1,711 280 179 139 4,599 Total $ 314,541 $ 103,048 $ 29,016 $ 55,237 $ 39,137 $ 540,979 Accrued interest included in total $ 1,466 $ 450 $ 111 $ 226 $ 111 $ 2,364 (1) Credit scores have been updated within the last twelve months. Installment(1) Home Equity 1st Lien Home Equity 2nd Lien Boat Lending Recreational Vehicle Lending Other Total (In thousands) March 31, 2017 800 and above $ 1,235 $ 1,370 $ 22,038 $ 22,843 $ 8,589 $ 56,075 750-799 2,340 3,007 54,385 39,161 22,303 121,196 700-749 1,766 2,448 21,100 11,977 14,073 51,364 650-699 2,731 2,390 7,506 3,433 8,905 24,965 600-649 1,611 1,612 1,579 781 2,198 7,781 550-599 1,160 973 813 251 777 3,974 500-549 887 629 343 181 417 2,457 Under 500 110 214 56 16 156 552 Unknown 28 - 223 125 6,264 6,640 Total $ 11,868 $ 12,643 $ 108,043 $ 78,768 $ 63,682 $ 275,004 Accrued interest included in total $ 51 $ 52 $ 267 $ 205 $ 196 $ 771 December 31, 2016 800 and above $ 1,354 $ 1,626 $ 21,422 $ 23,034 $ 8,911 $ 56,347 750-799 2,478 3,334 50,508 35,827 21,918 114,065 700-749 1,920 2,686 20,045 11,049 13,183 48,883 650-699 2,852 2,541 7,559 3,205 8,913 25,070 600-649 1,691 1,775 1,846 821 2,269 8,402 550-599 1,231 1,063 882 280 833 4,289 500-549 981 692 440 189 511 2,813 Under 500 114 220 73 16 211 634 Unknown 29 21 150 114 5,570 5,884 Total $ 12,650 $ 13,958 $ 102,925 $ 74,535 $ 62,319 $ 266,387 Accrued interest included in total $ 54 $ 59 $ 264 $ 203 $ 191 $ 771 (1) Credit scores have been updated within the last twelve months. Foreclosed residential real estate properties included in other real estate and repossessed assets on our Condensed Consolidated Statements of Financial Condition totaled $2.2 million and $1.9 million at March 31, 2017 and December 31, 2016, 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 and $1.0 million at March 31, 2017 and December 31, 2016, respectively.

Shareholders' Equity and Earnin

Shareholders' Equity and Earnings Per Common Share	3 Months Ended
	Mar. 31, 2017
Shareholders' Equity and Earnings Per Common Share [Abstract]
Shareholders' Equity and Earnings Per Common Share	5. Shareholders’ Equity and Earnings Per Common Share On January 23, 2017, 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, 2017. A reconciliation of basic and diluted net income per common share follows: Three Months Ended 2017 2016 (In thousands, except per share amounts) Net income $ 5,974 $ 4,100 Weighted average shares outstanding (1) 21,308 21,751 Effect of stock options 152 112 Stock units for deferred compensation plan for non-employee directors 119 113 Performance share units 60 - Restricted stock units - 86 Weighted average shares outstanding for calculation of diluted earnings per share 21,639 22,062 Net income per common share Basic (1) $ 0.28 $ 0.19 Diluted $ 0.28 $ 0.19 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards. Weighted average stock options outstanding that were not included in weighted average shares outstanding for calculation of diluted earnings per share because they were anti-dilutive totaled zero and 0.03 million for the three-month periods ended March 31, 2017 and 2016, respectively.

Derivative Financial Instrument

Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2017
Derivative Financial Instruments [Abstract]
Derivative Financial Instruments	6. Derivative Financial Instruments We are required to record derivatives on our Condensed Consolidated Statements of Financial Condition as assets and liabilities measured at their fair value. The accounting for increases and decreases in the value of derivatives depends upon the use of derivatives and whether the derivatives qualify for hedge accounting. Our derivative financial instruments according to the type of hedge in which they are designated follows: March 31, 2017 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 34,318 0.1 $ 1,017 Mandatory commitments to sell mortgage loans 68,023 0.1 (166 ) Pay-fixed interest rate swap agreements 50,226 8.0 359 Pay-variable interest rate swap agreements 50,226 8.0 (359 ) Purchased options 3,119 4.3 307 Written options 3,119 4.3 (307 ) Total $ 209,031 4.0 $ 851 December 31, 2016 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 26,658 0.1 $ 646 Mandatory commitments to sell mortgage loans 61,954 0.1 630 Pay-fixed interest rate swap agreements 46,121 8.6 249 Pay-variable interest rate swap agreements 46,121 8.6 (249 ) Purchased options 3,119 4.5 238 Written options 3,119 4.5 (238 ) Total $ 187,092 4.4 $ 1,276 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 in our Condensed Consolidated Statements of Operations. 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. We currently offer to our deposit customers an equity linked time deposit product (“Altitude CD”). The Altitude CD is a time deposit that provides the customer a guaranteed return of principal at maturity plus a potential equity return (a written option), while we receive a like stream of funds based on the equity return (a purchased option). The written and purchased options will generally move in opposite directions resulting in little or no net impact on our Condensed Consolidated Statements of Operations. All of the written and purchased options in the table above relate to this Altitude CD product. We have a program that allows commercial loan customers to lock in a fixed rate for a longer period of time than we would normally offer for interest rate risk reasons. We will enter into a variable rate commercial loan and an interest rate swap agreement with a customer and then enter into an offsetting interest rate swap agreement with an unrelated party. The interest rate swap agreement fair values will generally move in opposite directions resulting in little or no net impact on our Condensed Consolidated Statements of Operations. All of the interest rate swap agreements in the table above relate to this program. The following tables illustrate the impact that the derivative financial instruments discussed above have on individual line items in the Condensed Consolidated Statements of Financial Condition for the periods presented: Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives March 31, 2017 December 31, 2016 March 31, 2017 December 31, 2016 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 $ 1,017 Other assets $ 646 Other liabilities $ - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets 630 Other liabilities 166 Other liabilities - Pay-fixed interest rate swap agreements Other assets 590 Other assets 493 Other liabilities 231 Other liabilities 244 Pay-variable interest rate swap agreements Other assets 231 Other assets 244 Other liabilities 590 Other liabilities 493 Purchased options Other assets 307 Other assets 238 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 307 Other liabilities 238 Total derivatives $ 2,145 $ 2,251 $ 1,294 $ 975 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 March 31, Recognized in Income 2017 2016 (In thousands) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 371 $ 219 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (796 ) (206 ) Pay-fixed interest rate swap agreements Interest income 110 (1,118 ) Pay-variable interest rate swap agreements Interest income (110 ) 1,118 Purchased options Interest expense 69 78 Written options Interest expense (69 ) (78 ) Total $ (425 ) $ 13

Intangible Assets

Intangible Assets	3 Months Ended
	Mar. 31, 2017
Intangible Assets [Abstract]
Intangible Assets	7. Intangible Assets The following table summarizes intangible assets, net of amortization: March 31, 2017 December 31, 2016 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 6,118 $ 4,273 $ 6,118 $ 4,186 Amortization of other intangibles has been estimated through 2022 in the following table. (In thousands) Nine months ending December 31, 2017 $ 259 2018 346 2019 346 2020 346 2021 346 2022 202 Total $ 1,845

Share Based Compensation

Share Based Compensation	3 Months Ended
	Mar. 31, 2017
Share Based Compensation [Abstract]
Share Based Compensation	8. 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 0.1 million shares of common stock as of March 31, 2017. The non-employee director stock purchase plan permits the issuance of additional share based payments for up to 0.2 million shares of common stock as of March 31, 2017. 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 the three month periods ended March 31, 2017 and 2016, pursuant to our long-term incentive plan, we granted 0.05 million and 0.07 million shares of restricted stock, respectively and 0.02 million and 0.03 million performance stock units (“PSU”), respectively to certain officers. The shares of restricted stock and PSUs cliff vest after a period of three years. The performance feature of the PSUs is based on a comparison of our total shareholder return over the three year period starting on the grant date to the total shareholder return over that period for a banking index of our peers. Our directors may elect to receive a portion of their quarterly cash retainer fees in the form of common stock (either on a current basis or on a deferred basis pursuant to the non-employee director stock purchase plan referenced above). Shares equal in value to that portion of each director’s fees that he or she has elected to receive in stock are issued each quarter and vest immediately. We issued 0.002 million shares to directors during both three month periods ended March 31, 2017 and 2016 and expensed their value during those same periods. Total compensation expense recognized for grants pursuant to our long-term incentive plan was $0.4 million during each three month period ended March 31, 2017 and 2016. The corresponding tax benefit relating to this expense was $0.1 million for each period. Total expense recognized for non-employee director share based payments was $0.04 million and $0.03 million during the three months ended March 31, 2017 and 2016, respectively. The corresponding tax benefit relating to this expense was $0.01 million for each period. At March 31, 2017, the total expected compensation cost related to non-vested restricted stock and PSUs not yet recognized was $3.2 million. The weighted-average period over which this amount will be recognized is 2.5 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, 2017 211,018 $ 5.05 Granted - Exercised (15,992 ) 4.14 Forfeited - Expired - Outstanding at March 31, 2017 195,026 $ 5.12 4.85 $ 3,038 Vested and expected to vest at March 31, 2017 195,026 $ 5.12 4.85 $ 3,038 Exercisable at March 31, 2017 195,026 $ 5.12 4.85 $ 3,038 A summary of outstanding non-vested restricted stock and PSUs and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2017 296,422 $ 14.52 Granted 68,473 21.07 Vested (50,297 ) 14.81 Forfeited (5,727 ) 15.57 Outstanding at March 31, 2017 308,871 $ 15.85 Certain information regarding options exercised during the periods follows: Three Months Ended March 31, 2017 2016 (In thousands) Intrinsic value $ 279 $ 117 Cash proceeds received $ 66 $ 32 Tax benefit realized $ 98 $ 41

Income Tax

Income Tax	3 Months Ended
	Mar. 31, 2017
Income Tax [Abstract]
Income Tax	9. Income Tax Income tax expense was $2.6 million and $2.0 million during the three months ended March 31, 2017 and 2016, respectively. We assess whether a valuation allowance should be established against our deferred tax assets based on the consideration of all available evidence using a “more likely than not” standard. The ultimate realization of this asset is primarily based on generating future income. realization of substantially all of our deferred tax assets continues to be more likely than not. We did maintain a valuation allowance against our deferred tax assets of approximately $1.1 million at both March 31, 2017 and December 31, 2016. This valuation allowance on our deferred tax assets primarily relates to state income taxes at Mepco. 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 pending sale of Mepco’s payment plan business. At both March 31, 2017 and December 31, 2016, we had approximately $0.8 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 2017.

Regulatory Matters

Regulatory Matters	3 Months Ended
	Mar. 31, 2017
Regulatory Matters [Abstract]
Regulatory Matters	10. Regulatory Matters Capital guidelines adopted by federal and state regulatory agencies and restrictions imposed by law limit the amount of cash dividends our Bank can pay to us. Under these guidelines, the amount of dividends that may be paid in any calendar year is limited to the Bank’s current year net profits, combined with the retained net profits of the preceding two years. Further, the Bank cannot pay a dividend at any time that it has negative undivided profits. As of March 31, 2017, the Bank had positive undivided profits of $11.2 million. We can request regulatory approval for a return of capital from the Bank to the parent company. During the first quarter of 2016 we requested regulatory approval for a return of capital from the Bank to the parent company of $18.0 million. This return of capital request was approved by our banking regulators on February 24, 2016 and the Bank returned this amount to the parent company on February 25, 2016. It is not our intent to have dividends paid in amounts that would reduce the capital of our Bank to levels below those which we consider prudent and in accordance with guidelines of regulatory authorities. We are also subject to various regulatory capital requirements. The prompt corrective action regulations establish quantitative measures to ensure capital adequacy and require minimum amounts and ratios of total, Tier 1, and common equity Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. Failure to meet minimum capital requirements can result in certain mandatory, and possibly discretionary, actions by regulators that could have a material effect on our consolidated financial statements. Under capital adequacy guidelines, we must meet specific capital requirements that involve quantitative measures as well as qualitative judgments by the regulators. The most recent regulatory filings as of March 31, 2017 and December 31, 2016, 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 1.25% and 0.625% added to the minimum ratio for adequately capitalized institutions for 2017 and 2016, respectively and 0.625% will be added each subsequent year until fully phased in during 2019. This capital conservation buffer is not reflected in the table that follows. Our actual capital amounts and ratios follow: Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) March 31, 2017 Total capital to risk-weighted assets Consolidated $ 291,505 15.71 % $ 148,484 8.00 % NA NA Independent Bank 273,822 14.77 148,308 8.00 $ 185,384 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 270,707 14.59 % $ 111,363 6.00 % NA NA Independent Bank 253,024 13.65 111,231 6.00 $ 148,308 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 239,913 12.93 % $ 83,522 4.50 % NA NA Independent Bank 253,024 13.65 83,423 4.50 $ 120,500 6.50 % Tier 1 capital to average assets Consolidated $ 270,707 10.65 % $ 101,693 4.00 % NA NA Independent Bank 253,024 9.96 101,609 4.00 $ 127,011 5.00 % December 31, 2016 Total capital to risk-weighted assets Consolidated $ 286,289 15.86 % $ 144,413 8.00 % NA NA Independent Bank 270,855 15.02 144,223 8.00 $ 180,279 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 265,405 14.70 % $ 108,309 6.00 % NA NA Independent Bank 249,971 13.87 108,167 6.00 $ 144,223 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 238,996 13.24 % $ 81,232 4.50 % NA NA Independent Bank 249,971 13.87 81,126 4.50 $ 117,181 6.50 % Tier 1 capital to average assets Consolidated $ 265,405 10.50 % $ 101,112 4.00 % NA NA Independent Bank 249,971 9.90 101,019 4.00 $ 126,274 5.00 % The components of our regulatory capital are as follows: Consolidated Independent Bank March 31, 2017 December 31, 2016 March 31, 2017 December 31, 2016 (In thousands) Total shareholders' equity $ 255,475 $ 248,980 $ 262,716 $ 258,814 Add (deduct) Accumulated other comprehensive loss for regulatory purposes 738 3,310 738 3,310 Intangible assets (1,476 ) (1,159 ) (1,476 ) (1,159 ) Disallowed deferred tax assets (14,824 ) (12,135 ) (8,954 ) (10,994 ) Common equity tier 1 capital 239,913 238,996 253,024 249,971 Qualifying trust preferred securities 34,500 34,500 - - Disallowed deferred tax assets (3,706 ) (8,091 ) - - Tier 1 capital 270,707 265,405 253,024 249,971 Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 20,798 20,884 20,798 20,884 Total risk-based capital $ 291,505 $ 286,289 $ 273,822 $ 270,855

Fair Value Disclosures

Fair Value Disclosures	3 Months Ended
	Mar. 31, 2017
Fair Value Disclosures [Abstract]
Fair Value Disclosures	11. 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 obligations of states and political subdivisions 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 March 31, 2017 and December 31, 2016, 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 : The fair value of capitalized mortgage loan servicing rights is based on a valuation model used by an independent third party that calculates the present value of estimated net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income. Certain model assumptions are generally unobservable and are based upon the best information available including data relating to our own servicing portfolio, reviews of mortgage servicing assumption and valuation surveys and input from various mortgage servicers and, therefore, are recorded as Level 3. Management evaluates the third party valuation for reasonableness each quarter as part of our financial reporting control processes. Prior to January 1, 2017, capitalized mortgage loan servicing rights were accounted for using the amortization method accounting and were measured at fair value on a non-recurring basis. During the first quarter of 2017, Derivatives Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2017: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 331 $ 331 $ - $ - Securities available for sale U.S. agency 28,784 - 28,784 - U.S. agency residential mortgage-backed 147,874 - 147,874 - U.S. agency commercial mortgage-backed 12,195 - 12,195 - Private label mortgage-backed 28,840 - 28,840 - Other asset backed 145,795 - 145,795 - Obligations of states and political subdivisions 180,250 - 180,250 - Corporate 60,967 - 60,967 - Trust preferred 2,653 - 2,653 - Foreign government 1,606 - 1,606 - Loans held for sale 37,613 - 37,613 - Capitalized mortgage loan servicing rights 14,727 - - 14,727 Derivatives (1) 2,145 - 2,145 - Liabilities Derivatives (2) 1,294 - 1,294 - Measured at Fair Value on a Non-recurring basis: Assets Impaired loans (3) Commercial Income producing - real estate 294 - - 294 Land, land development & construction-real estate 10 - - 10 Commercial and industrial 1,213 - - 1,213 Mortgage 1-4 family 169 - - 169 Resort lending 225 - - 225 Other real estate (4) Commercial Income producing - real estate (5) 2,863 - 2,863 - Land, land development & construction-real estate 176 - - 176 Mortgage 1-4 family 146 - - 146 Resort lending 18 - - 18 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value. (4) Only includes other real estate with subsequent write downs to fair value. (5) Level 2 valuation is based on a signed purchase agreement. 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, 2016: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 410 $ 410 $ - $ - Securities available for sale U.S. agency 28,988 - 28,988 - U.S. agency residential mortgage-backed 156,289 - 156,289 - U.S. agency commercial mortgage-backed 12,632 - 12,632 - Private label mortgage-backed 34,727 - 34,727 - Other asset backed 146,709 - 146,709 - Obligations of states and political subdivisions 170,899 - 170,899 - Corporate 56,180 - 56,180 - Trust preferred 2,579 - 2,579 - Foreign government 1,613 - 1,613 - Loans held for sale 35,946 - 35,946 - Derivatives (1) 2,251 - 2,251 - Liabilities Derivatives (2) 975 - 975 - Measured at Fair Value on a Non-recurring basis: Assets Capitalized mortgage loan servicing rights (3) 8,163 - - 8,163 Impaired loans (4) Commercial Income producing - real estate 255 - - 255 Land, land development & construction-real estate 54 - - 54 Commercial and industrial 1,342 - - 1,342 Mortgage 1-4 family 361 - - 361 Other real estate (5) Commercial Income producing - real estate (6) 2,863 - 2,863 - Land, land development & construction-real estate 176 - - 176 Mortgage 1-4 family 98 - - 98 Resort lending 133 - - 133 (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. (6) Level 2 valuation is based on a signed purchase agreement. There were no transfers between Level 1 and Level 2 during the three months ended March 31, 2017 and 2016. Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the Three-Month Periods Ended March 31 for Items Measured at Fair Value Pursuant to Election of the Fair Value Option 2017 2016 Net Gains (Losses) on Assets Mortgage Loan Servicing, net Total Change in Fair Values Included in Current Period Earnings Net Gains (Losses) on Assets Total Change in Fair Values Included in Current Period Securities Loans Securities Loans Earnings (In thousands) Trading securities $ (79 ) $ - $ - $ (79 ) $ (12 ) $ - $ (12 ) Loans held for sale - 581 - 581 - 127 127 Capitalized mortgage loan servicing rights - - (264 ) (264 ) - - - 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 month periods ended March 31, 2017 and 2016 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 $8.2 million, which is net of a valuation allowance of $2.3 million, at December 31, 2016. · Loans which are measured for impairment using the fair value of collateral for collateral dependent loans had a carrying amount of $2.6 million, with a valuation allowance of $0.7 million at March 31, 2017, and had a carrying amount of $4.0 million, with a valuation allowance of $2.0 million at December 31, 2016. · Other real estate, which is measured using the fair value of the property, had a carrying amount of $3.2 million which is net of a valuation allowance of $0.7 million at March 31, 2017, and a carrying amount of $3.2 million, which is net of a valuation allowance of $0.8 million, at December 31, 2016. A reconciliation for all assets and (liabilities) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three months ended March 31 follows: Capitalized Mortgage Loan Servicing Rights Three Months Ended March 31, 2017 2016 Beginning balance $ - $ - Change in accounting 14,213 - Beginning balance, as adjusted 14,213 - Total losses realized and unrealized: Included in results of operations (264 ) - Included in other comprehensive income - - Purchases, issuances, settlements, maturities and calls 778 - Transfers in and/or out of Level 3 - - Ending balance $ 14,727 $ - Amount of total losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31 $ (264 ) $ - As discussed above we changed the accounting for capitalized mortgage loan servicing rights during the first quarter of 2017 (see note #2) and are now measuring valuation on a recurring basis. The fair value of our capitalized mortgage loan servicing rights has been determined based on a valuation model used by an independent third party Asset Fair Value Valuation Technique Unobservable Inputs Weighted Average (In thousands) March 31, 2017 Capitalized mortgage loan servicing rights $ 14,727 Present value of net Discount rate 10.08 % servicing revenue Cost to service $ 81 Ancillary income 24 Float rate 2.05 % Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Weighted Average March 31, 2017 (In thousands) Impaired loans Commercial $ 1,517 Sales comparison approach Adjustment for differences between comparable sales (2.1 )% Mortgage 394 Sales comparison approach Adjustment for differences between comparable sales (2.8 ) Other real estate Commercial 176 Sales comparison approach Adjustment for differences between comparable sales (22.5 ) Mortgage 164 Sales comparison approach Adjustment for differences between comparable sales (13.1 ) December 31, 2016 Capitalized mortgage loan servicing rights $ 8,163 Present value of net servicing revenue Discount rate 10.07 % Cost to service $ 83 Ancillary income 24 Float rate 1.97 % Impaired loans Commercial (1) 1,446 Sales comparison approach Adjustment for differences between comparable sales (1.5 )% Mortgage 361 Sales comparison approach Adjustment for differences between comparable sales (4.7 ) Other real estate Commercial 176 Sales comparison approach Adjustment for differences between comparable sales (22.5 ) Mortgage 231 Sales comparison approach Adjustment for differences between comparable sales (5.1 ) (1) In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2016, we had an impaired collateral dependent commercial relationship that totaled $0.2 million that was primarily secured by collateral other than real estate. Collateral securing this relationship primarily included machinery and equipment and inventory. Valuation techniques included appraisals and discounting restructuring firm valuations based on estimates of value recovery of each particular asset type. Discount rates used ranged from 0% to 100% of stated values. The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale March 31, 2017 $ 37,613 $ 1,018 $ 36,595 December 31, 2016 35,946 437 35,509

Fair Values of Financial Instru

Fair Values of Financial Instruments	3 Months Ended
	Mar. 31, 2017
Fair Values of Financial Instruments [Abstract]
Fair Values of Financial Instruments	12. 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. Fair value methodologies discussed below do not necessarily represent an exit price in the determination of the fair value of these financial instruments. 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 Payment plan receivables held for sale are also classified as Level 2 based on a signed purchase agreement as described in note #15. Accrued interest receivable and payable Derivative financial instruments Deposits Other borrowings Subordinated debentures The estimated recorded book balances and fair values follow: Recorded Book Balance Fair Value Fair Value Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2017 Assets Cash and due from banks $ 29,866 $ 29,866 $ 29,866 $ - $ - Interest bearing deposits 39,957 39,957 39,957 - - Interest bearing deposits - time 5,340 5,357 - 5,357 - Trading securities 331 331 331 - - Securities available for sale 608,964 608,964 - 608,964 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,543 NA NA NA NA Net loans and loans held for sale (1) 1,721,180 1,689,457 - 70,471 1,618,986 Accrued interest receivable 7,697 7,697 1 2,795 4,901 Derivative financial instruments 2,145 2,145 - 2,145 - Liabilities Deposits with no stated maturity (2) $ 1,786,095 $ 1,786,095 $ 1,786,095 $ - $ - Deposits with stated maturity (2) 476,964 474,892 - 474,892 - Other borrowings 9,433 10,253 - 10,253 - Subordinated debentures 35,569 26,018 - 26,018 - Accrued interest payable 1,223 1,223 20 1,203 - Derivative financial instruments 1,294 1,294 - 1,294 - December 31, 2016 Assets Cash and due from banks $ 35,238 $ 35,238 $ 35,238 $ - $ - Interest bearing deposits 47,956 47,956 47,956 - - Interest bearing deposits - time 5,591 5,611 - 5,611 - Trading securities 410 410 410 - - Securities available for sale 610,616 610,616 - 610,616 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,543 NA NA NA NA Net loans and loans held for sale (1) 1,655,335 1,629,587 - 67,321 1,562,266 Accrued interest receivable 7,316 7,316 5 2,364 4,947 Derivative financial instruments 2,251 2,251 - 2,251 - Liabilities Deposits with no stated maturity (2) $ 1,740,601 $ 1,740,601 $ 1,740,601 $ - $ - Deposits with stated maturity (2) 485,118 483,469 - 483,469 - Other borrowings 9,433 10,371 - 10,371 - Subordinated debentures 35,569 25,017 - 25,017 - Accrued interest payable 932 932 21 911 - Derivative financial instruments 975 975 - 975 - (1) Net loans and loans held for sale include $32.9 million and $31.4 million of payment plan receivables and commercial loans held for sale at March 31, 2017 and December 31, 2016, respectively. (2) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $12.9 million and $7.4 million at March 31, 2017 and December 31, 2016, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $28.5 million and $31.3 million March 31, 2017 and December 31, 2016, respectively. The fair values for commitments to extend credit and standby letters of credit are estimated to approximate their aggregate book balance, which is nominal and therefore are not disclosed. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale the entire holdings of a particular financial instrument. Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business, the value of future earnings attributable to off-balance sheet activities and the value of assets and liabilities that are not considered financial instruments. Fair value estimates for deposit accounts do not include the value of the core deposit intangible asset resulting from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market.

Contingent Liabilities

Contingent Liabilities	3 Months Ended
	Mar. 31, 2017
Contingent Liabilities [Abstract]
Contingent Liabilities	13. Contingent Liabilities In December 2016, we reached a tentative settlement regarding litigation initiated against us in Wayne County, Michigan Circuit Court. The Court issued a preliminary approval of this settlement in the first quarter of 2017. This litigation concerned checking account transaction sequencing during a period from February 2009 to June 2011. Under the terms of the settlement, we have agreed to pay $2.2 million and are also responsible for class notification costs and certain other expenses which are estimated to total approximately $0.1 million (these amounts were accrued for and expensed in the fourth quarter of 2016). We expect the settlement payment to occur in the second half of 2017. Although, we deny any liability associated with this matter and believe we have meritorious defenses to the allegations in the complaint, given the costs and uncertainty of litigation, it was determined that this settlement was in the best interests of the organization. We are also involved in various other 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 insignificant. 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). 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. Mepco 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 30 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. 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 owed 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 on March 31, 2016. 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 ($1.25 million) on this note was maintained at March 31, 2017. Thus far, this counterparty has made all 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. Vehicle service contract counterparty receivables, net totaled $2.2 million as of March 31, 2017 compared to $2.3 million as of December 31, 2016. Expense/(credit) related to vehicle service contract counterparty contingencies included in non-interest expense totaled $(0.10) million and $0.03 million for the three month periods ended March 31, 2017 and 2016, respectively. These (recoveries) charges are being classified in non-interest expense – other in the Condensed Consolidated Statements of Operations 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. In connection with our pending sale of Mepco (see note #15), we agreed to contractually indemnify the purchaser from certain losses it may incur, including as a result of its failure to collect certain receivables it purchased as part of the business as well as breaches of representations and warranties we made in the sale agreement, subject to various limitations. We have not accrued any liability related to these indemnification requirements in our March 31, 2017 Condensed Consolidated Statement of Financial Condition because we believe the likelihood of having to pay any amount as a result of these indemnification obligations is remote. However, if the purchaser is unable to collect the receivables it purchased from Mepco or otherwise encounters difficulties in operating the business, it is possible it could make one or more claims against us pursuant to the sale agreement. In that event, we may incur expenses in defending any such claims and/or amounts paid to such purchaser to resolve such claims. 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 (credit) of $0.03 million and $(0.02) million for the three months ended March 31, 2017 and 2016, respectively. The small expense provision in the first quarter of 2017 is due primarily to the settlement of a loss reimbursement claim at a slightly higher amount than what had been specifically reserved for at the end of 2016. The small credit provision in the first quarter of 2016 is due primarily to the settlement of certain loss reimbursement claims at slightly lower amounts than what had been specifically reserved for at the end of 2015. The reserve for loss reimbursements on sold mortgage loans totaled $0.5 million and $0.6 million at March 31, 2017 and December 31, 2016, respectively. This reserve is included in accrued expenses and other liabilities in our Condensed Consolidated Statements of Financial Condition.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Loss ("AOCL")	3 Months Ended
	Mar. 31, 2017
Accumulated Other Comprehensive Loss ("AOCL") [Abstract]
Accumulated Other Comprehensive Loss ("AOCL")	14. 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 (In thousands) For the three months ended March 31, 2017 Balances at beginning of period $ (3,310 ) $ (5,798 ) $ (9,108 ) Cumulative effect of change in accounting 300 - 300 Balances at beginning of period, as adjusted (3,010 ) (5,798 ) (8,808 ) Other comprehensive income before reclassifications 2,341 - 2,341 Amounts reclassified from AOCL (69 ) - (69 ) Net current period other comprehensive income 2,272 - 2,272 Balances at end of period $ (738 ) $ (5,798 ) $ (6,536 ) 2016 Balances at beginning of period $ (238 ) $ (5,798 ) $ (6,036 ) Other comprehensive income before reclassifications 1,349 - 1,349 Amounts reclassified from AOCL (112 ) - (112 ) Net current period other comprehensive income 1,237 - 1,237 Balances at end of period $ 999 $ (5,798 ) $ (4,799 ) We adopted ASU 2017-08 during the first quarter of 2017 using a modified retrospective approach. As a result, accumulated other comprehensive loss as of January 1, 2017 was adjusted by $0.30 million (see note #2). The disproportionate tax effects from securities available for sale arose due to tax effects of other comprehensive income (“OCI”) in the presence of a valuation allowance against our deferred tax assets and a pretax loss from operations. Generally, the amount of income tax expense or benefit allocated to operations is determined without regard to the tax effects of other categories of income or loss, such as OCI. However, an exception to the general rule is provided when, in the presence of a valuation allowance against deferred tax assets, there is a pretax loss from operations and pretax income from other categories in the current period. In such instances, income from other categories must offset the current loss from operations, the tax benefit of such offset being reflected in operations. A summary of reclassifications out of each component of AOCL for the three months ended March 31 follows: AOCL Component Amount Affected Line Item in Condensed (In thousands) 2017 Unrealized gains on securities available for sale $ 106 Net gains on securities - Net impairment loss recognized in earnings 106 Total reclassifications before tax 37 Income tax expense $ 69 Reclassifications, net of tax 2016 Unrealized gains on securities available for sale $ 174 Net gains on securities - Net impairment loss recognized in earnings 174 Total reclassifications before tax 62 Income tax expense $ 112 Reclassifications, net of tax

Payment Plan Receivables and Ot

Payment Plan Receivables and Other Assets Held for Sale	3 Months Ended
	Mar. 31, 2017
Payment Plan Receivables and Other Assets Held for Sale [Abstract]
Payment Plan Receivables and Other Assets Held for Sale	15. Payment Plan Receivables and Other Assets Held for Sale On December 30, 2016 Mepco executed an Asset Purchase Agreement (the “APA”) with Seabury Asset Management LLC (“Seabury”). Pursuant to the terms of the APA, Mepco is selling its payment plan processing business, payment plan receivables ($32.3 million and $30.6 million at March 31, 2017 and December 31, 2016, respectively), commercial loans ($0.6 million and $0.8 million at March 31, 2017 and December 31, 2016, respectively) and certain other assets ($1.9 million and $2.0 million at March 31, 2017 and December 31, 2016, respectively) to Seabury, who also is assuming certain liabilities ($1.4 million and $0.7 million at March 31, 2017 and December 31, 2016, respectively) of Mepco. These assets and liabilities are categorized as “held for sale” in our March 31, 2017 and December 31, 2016 Condensed Consolidated Statements of Financial Condition. This transaction is expected to close during the second quarter of 2017. These assets and corresponding liabilities held for sale are carried at the lower of cost or fair value on an aggregate basis. Fair value adjustments, if any, are recorded in current earnings.

New Accounting Standards (Polic

New Accounting Standards (Policies)	3 Months Ended
	Mar. 31, 2017
New Accounting Standards [Abstract]
New Accounting Standards	In May 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“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. We have reviewed the types of financial instruments impacted by this amended guidance, including certain equity investments and liabilities measured under the fair value election, and have determined that we do not currently own any such instruments. The balance of this amended guidance is expected to impact certain disclosure items but is not expected to have any 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. Based on a review of our operating leases that we currently have in place we do not expect a material change in the recognition, measurement and presentation of lease expense or impact on cash flow. While the primary impact will be the recognition of certain operating leases on our Condensed Consolidated Statements of Financial Condition this impact is not expected to be material. In June 2016, the FASB issued ASU 2016-13, “Financial Instruments — Credit Losses (Topic 326), Measurement of Credit Losses on Financial Instruments”. This ASU significantly changes how entities will measure credit losses for most financial assets and certain other instruments that are not 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 securities available for sale, 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. This amended guidance is effective for us on January 1, 2020. We began evaluating this ASU in 2016 and have formed a committee that includes personnel from various areas of the Bank that meets regularly to discuss the implementation of the ASU. We are in the process of gathering data and reviewing loss methodologies as well as reviewing certain software applications that would assist us in the implementation of this ASU. While we have not yet determined what the impact will be on our consolidated operating results or financial condition by the nature of the implementation of an expected loss model compared to an incurred loss approach, we would expect our AFLL to increase under this ASU. In March 2017, the FASB issued ASU 2017-08, “Receivables-Nonrefundable Fees and Other Costs (Subtopic 310-20) Premium Amortization on Purchased Callable Debt Securities” (“ASU 2017-08”). This ASU shortens the amortization period for certain callable debt securities held at a premium. Specifically, the amendments require the premium to be amortized to the earliest call date. The amendments do not require an accounting change for securities held at a discount; the discount continues to be amortized to maturity. This amended guidance is effective for us on January 1, 2019, with early adoption permitted. We adopted this amended guidance during the first quarter of 2017 using a modified retrospective approach. The impact of this adoption was to adjust our January 1, 2017 Condensed Consolidated Statement of Financial Position to reflect cumulative effect adjustments as summarized in the table below. The adjustments below reflect the recording of $0.46 million ($0.30 million, net of tax) of additional premium amortization on securities available for sale and a $0.30 million decrease in accumulated other comprehensive During the first quarter of 2017, we adopted the fair value method of accounting for our capitalized mortgage loan servicing rights pursuant to FASB Accounting Standards Codification topic 860 – “Transfers and Servicing”. Prior to January 1, 2017, we were accounting for our capitalized mortgage loan servicing rights under the amortization method. We adopted the fair value method using a modified retrospective adjustment to beginning accumulated deficit. The impact of the adoption of the fair value method is summarized in the table below. The adjustments below reflect the recording of a $0.54 million increase in the fair value of our capitalized mortgage loan servicing rights with a $0.19 million reduction in deferred tax assets, net for a net impact on accumulated deficit and total equity of $0.35 million. January 1, 2017 Originally Presented Cumulative Retrospective Adjustments January 1, 2017 Adjusted (Dollars in thousands) Deferred tax assets, net $ 32,818 $ (190 ) (1) $ 32,628 Capitalized mortgage loan servicing rights $ 13,671 $ 542 (1) $ 14,213 Total assets $ 2,548,950 $ 352 $ 2,549,302 Accumulated deficit $ (65,657 ) $ 352 (1) $ (300 ) (2) $ (65,605 ) Accumulated other comprehensive loss $ (9,108 ) $ 300 (2) $ (8,808 ) Total Shareholders’ Equity $ 248,980 $ 352 $ 249,332 Total Liabilities and Shareholders’ Equity $ 2,548,950 $ 352 $ 2,549,302 (1) Represents adjustment to capitalized mortgage loan servicing rights, deferred tax assets, net, and accumulated deficit to reflect the adoption of the fair value method of accounting for our capitalized mortgage loan servicing rights. (2) Represents adjustment to accumulated deficit and accumulated other comprehensive loss to reflect the adoption of ASU 2017-08.

New Accounting Standards (Table

New Accounting Standards (Tables)	3 Months Ended
	Mar. 31, 2017
New Accounting Standards [Abstract]
Condensed consolidated statement of financial position to reflect cumulative effect of adjustments	The impact of the adoption of the fair value method is summarized in the table below. The adjustments below reflect the recording of a $0.54 million increase in the fair value of our capitalized mortgage loan servicing rights with a $0.19 million reduction in deferred tax assets, net for a net impact on accumulated deficit and total equity of $0.35 million. January 1, 2017 Originally Presented Cumulative Retrospective Adjustments January 1, 2017 Adjusted (Dollars in thousands) Deferred tax assets, net $ 32,818 $ (190 ) (1) $ 32,628 Capitalized mortgage loan servicing rights $ 13,671 $ 542 (1) $ 14,213 Total assets $ 2,548,950 $ 352 $ 2,549,302 Accumulated deficit $ (65,657 ) $ 352 (1) $ (300 ) (2) $ (65,605 ) Accumulated other comprehensive loss $ (9,108 ) $ 300 (2) $ (8,808 ) Total Shareholders’ Equity $ 248,980 $ 352 $ 249,332 Total Liabilities and Shareholders’ Equity $ 2,548,950 $ 352 $ 2,549,302 (1) Represents adjustment to capitalized mortgage loan servicing rights, deferred tax assets, net, and accumulated deficit to reflect the adoption of the fair value method of accounting for our capitalized mortgage loan servicing rights. (2) Represents adjustment to accumulated deficit and accumulated other comprehensive loss to reflect the adoption of ASU 2017-08.

Securities (Tables)

Securities (Tables)	3 Months Ended
	Mar. 31, 2017
Securities [Abstract]
Securities available for sale	Securities available for sale consist of the following: Amortized Cost Unrealized Fair Value Gains Losses (In thousands) March 31, 2017 U.S. agency $ 28,636 $ 211 $ 63 $ 28,784 U.S. agency residential mortgage-backed 147,432 1,165 723 147,874 U.S. agency commercial mortgage-backed 12,298 52 155 12,195 Private label mortgage-backed 29,018 218 396 28,840 Other asset backed 145,659 346 210 145,795 Obligations of states and political subdivisions 181,727 716 2,193 180,250 Corporate 60,790 380 203 60,967 Trust preferred 2,924 - 271 2,653 Foreign government 1,616 - 10 1,606 Total $ 610,100 $ 3,088 $ 4,224 $ 608,964 December 31, 2016 U.S. agency $ 28,909 $ 159 $ 80 $ 28,988 U.S. agency residential mortgage-backed 156,053 1,173 937 156,289 U.S. agency commercial mortgage-backed 12,799 28 195 12,632 Private label mortgage-backed 35,035 216 524 34,727 Other asset backed 146,829 271 391 146,709 Obligations of states and political subdivisions 175,180 478 4,759 170,899 Corporate 56,356 223 399 56,180 Trust preferred 2,922 - 343 2,579 Foreign government 1,626 - 13 1,613 Total $ 615,709 $ 2,548 $ 7,641 $ 610,616
Investments in a continuous unrealized loss position	Our investments’ gross unrealized losses and fair values aggregated by investment type and length of time that individual securities have been at a continuous unrealized loss position follows: Less Than Twelve Months Twelve Months or More Total Fair Value Unrealized Losses Fair Value Unrealized Losses Fair Value Unrealized Losses (In thousands) March 31, 2017 U.S. agency $ 3,721 $ 24 $ 7,707 $ 39 $ 11,428 $ 63 U.S. agency residential mortgage-backed 46,206 537 20,682 186 66,888 723 U.S. agency commercial mortgage-backed 6,672 154 140 1 6,812 155 Private label mortgage-backed 17,038 173 1,321 223 18,359 396 Other asset backed 39,168 95 11,949 115 51,117 210 Obligations of states and political subdivisions 103,301 2,030 10,090 163 113,391 2,193 Corporate 15,461 155 1,955 48 17,416 203 Trust preferred - - 2,653 271 2,653 271 Foreign government 1,606 10 - - 1,606 10 Total $ 233,173 $ 3,178 $ 56,497 $ 1,046 $ 289,670 $ 4,224 December 31, 2016 U.S. agency $ 4,179 $ 41 $ 8,217 $ 39 $ 12,396 $ 80 U.S. agency residential mortgage-backed 62,524 732 20,857 205 83,381 937 U.S. agency commercial mortgage-backed 6,079 194 143 1 6,222 195 Private label mortgage-backed 20,545 281 1,413 243 21,958 524 Other asset backed 52,958 172 17,763 219 70,721 391 Obligations of states and political subdivisions 113,078 4,014 14,623 745 127,701 4,759 Corporate 25,546 292 2,810 107 28,356 399 Trust preferred - - 2,579 343 2,579 343 Foreign government 1,613 13 - - 1,613 13 Total $ 286,522 $ 5,739 $ 68,405 $ 1,902 $ 354,927 $ 7,641
Trust preferred securities	The following table breaks out our trust preferred securities in further detail as of March 31, 2017 and December 31, 2016: March 31, 2017 December 31, 2016 Fair Value Net Unrealized Loss Fair Value Net Unrealized Loss (In thousands) Trust preferred securities Rated issues $ 1,812 $ (112 ) $ 1,800 $ (123 ) Unrated issues 841 (159 ) 779 (220 )
Private label mortgage backed securities below investment grade	At March 31, 2017, three private label mortgage-backed securities had credit related OTTI and are summarized as follows: Senior Security Super Senior Security Senior Support Security Total (In thousands) As of March 31, 2017 Fair value $ 1,127 $ 1,013 $ 72 $ 2,212 Amortized cost 1,092 958 - 2,050 Non-credit unrealized loss - - - - Unrealized gain 35 55 72 162 Cumulative credit related OTTI 757 457 380 1,594 Credit related OTTI recognized in our Condensed Consolidated Statements of Operations For the three months ended March 31, 2017 $ - $ - $ - $ - 2016 - - - -
Credit losses recognized in earnings on securities available for sale	A roll forward of credit losses recognized in earnings on securities available for sale for the three month periods ending March 31, follows: Three months ended March 31, 2017 2016 (In thousands) Balance at beginning of period $ 1,844 $ 1,844 Additions to credit losses on securities for which no previous OTTI was recognized - - Increases to credit losses on securities for which OTTI was previously recognized - - Balance at end of period $ 1,844 $ 1,844
Amortized cost and fair value of securities available for sale by contractual maturity	The amortized cost and fair value of securities available for sale at March 31, 2017, by contractual maturity, follow: Amortized Cost Fair Value (In thousands) Maturing within one year $ 20,583 $ 20,596 Maturing after one year but within five years 107,748 107,791 Maturing after five years but within ten years 85,047 84,667 Maturing after ten years 62,315 61,206 275,693 274,260 U.S. agency residential mortgage-backed 147,432 147,874 U.S. agency commercial mortgage-backed 12,298 12,195 Private label residential mortgage-backed 29,018 28,840 Other asset backed 145,659 145,795 Total $ 610,100 $ 608,964
Gains and losses realized on sale of securities available for sale	A summary of proceeds from the sale of securities available for sale and gains and losses for the three month periods ending March 31, follows: Proceeds Realized Gains Losses (In thousands) 2017 $ 6,152 $ 106 $ - 2016 42,391 226 52

Loans (Tables)

Loans (Tables)	3 Months Ended
	Mar. 31, 2017
Loans [Abstract]
Analysis of allowance for loan losses by portfolio segment	An analysis of the allowance for loan losses by portfolio segment for the three months ended March 31, follows: Commercial Mortgage Installment Payment Plan Receivables(1) Subjective Allocation Total (In thousands) 2017 Balance at beginning of period $ 4,880 $ 8,681 $ 1,011 $ - $ 5,662 $ 20,234 Additions (deductions) Provision for loan losses (61 ) (699 ) 133 - 268 (359 ) Recoveries credited to allowance 404 486 239 - - 1,129 Loans charged against the allowance (135 ) (359 ) (472 ) - - (966 ) Balance at end of period $ 5,088 $ 8,109 $ 911 $ - $ 5,930 $ 20,038 2016 Balance at beginning of period $ 5,670 $ 10,391 $ 1,181 $ 56 $ 5,272 $ 22,570 Additions (deductions) Provision for loan losses (404 ) (279 ) 65 (3 ) 91 (530 ) Recoveries credited to allowance 356 382 221 - - 959 Loans charged against the allowance - (198 ) (306 ) - - (504 ) Balance at end of period $ 5,622 $ 10,296 $ 1,161 $ 53 $ 5,363 $ 22,495 (1) Payment plan receivables were reclassified to held for sale at December 31, 2016. See note #15.
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 Subjective Allocation Total (In thousands) March 31, 2017 Allowance for loan losses Individually evaluated for impairment $ 1,162 $ 6,147 $ 325 $ - $ 7,634 Collectively evaluated for impairment 3,926 1,962 586 5,930 12,404 Total ending allowance balance $ 5,088 $ 8,109 $ 911 $ 5,930 $ 20,038 Loans Individually evaluated for impairment $ 11,573 $ 57,216 $ 4,675 $ 73,464 Collectively evaluated for impairment 805,883 526,178 270,329 1,602,390 Total loans recorded investment 817,456 583,394 275,004 1,675,854 Accrued interest included in recorded investment 1,972 2,364 771 5,107 Total loans $ 815,484 $ 581,030 $ 274,233 $ 1,670,747 December 31, 2016 Allowance for loan losses Individually evaluated for impairment $ 2,244 $ 6,579 $ 329 $ - $ 9,152 Collectively evaluated for impairment 2,636 2,102 682 5,662 11,082 Total ending allowance balance $ 4,880 $ 8,681 $ 1,011 $ 5,662 $ 20,234 Loans Individually evaluated for impairment $ 15,767 $ 59,151 $ 4,913 $ 79,831 Collectively evaluated for impairment 790,228 481,828 261,474 1,533,530 Total loans recorded investment 805,995 540,979 266,387 1,613,361 Accrued interest included in recorded investment 1,978 2,364 771 5,113 Total loans $ 804,017 $ 538,615 $ 265,616 $ 1,608,248
Loans on non-accrual status and past due more than 90 days	Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) follow: 90+ and Still Accruing Non- Accrual Total Non- Performing Loans (In thousands) March 31, 2017 Commercial Income producing - real estate $ - $ 579 $ 579 Land, land development and construction - real estate - 4 4 Commercial and industrial - 742 742 Mortgage 1-4 family - 4,950 4,950 Resort lending - 1,414 1,414 Home equity - 1st lien - 208 208 Home equity - 2nd lien - 290 290 Purchased loans - - - Installment Home equity - 1st lien - 184 184 Home equity - 2nd lien - 350 350 Boat lending - 129 129 Recreational vehicle lending - 26 26 Other - 140 140 Total recorded investment $ - $ 9,016 $ 9,016 Accrued interest included in recorded investment $ - $ 2 $ 2 December 31, 2016 Commercial Income producing - real estate $ - $ 628 $ 628 Land, land development and construction - real estate - 105 105 Commercial and industrial - 4,430 4,430 Mortgage 1-4 family - 5,248 5,248 Resort lending - 1,507 1,507 Home equity - 1st lien - 222 222 Home equity - 2nd lien - 317 317 Purchased loans - - - Installment Home equity - 1st lien - 266 266 Home equity - 2nd lien - 289 289 Boat lending - 219 219 Recreational vehicle lending - 21 21 Other - 112 112 Total recorded investment $ - $ 13,364 $ 13,364 Accrued interest included in recorded investment $ - $ - $ -
Aging analysis of loans by class	An aging analysis of loans by class follows: Loans Past Due Loans not Past Due Total Loans 30-59 days 60-89 days 90+ days Total (In thousands) March 31, 2017 Commercial Income producing - real estate $ - $ 30 $ 418 $ 448 $ 281,597 $ 282,045 Land, land development and construction - real estate - - - - 53,649 53,649 Commercial and industrial 366 114 69 549 481,213 481,762 Mortgage 1-4 family 2,169 586 4,950 7,705 357,881 365,586 Resort lending 137 21 1,414 1,572 98,371 99,943 Home equity - 1st lien 133 - 208 341 30,596 30,937 Home equity - 2nd lien 385 32 290 707 48,280 48,987 Purchased loans 3 1 - 4 37,937 37,941 Installment Home equity - 1st lien 91 24 184 299 11,569 11,868 Home equity - 2nd lien 100 78 350 528 12,115 12,643 Boat lending 85 3 129 217 107,826 108,043 Recreational vehicle lending 42 2 26 70 78,698 78,768 Other 140 37 140 317 63,365 63,682 Total recorded investment $ 3,651 $ 928 $ 8,178 $ 12,757 $ 1,663,097 $ 1,675,854 Accrued interest included in recorded investment $ 46 $ 10 $ 2 $ 58 $ 5,049 $ 5,107 December 31, 2016 Commercial Income producing - real estate $ - $ - $ 383 $ 383 $ 287,255 $ 287,638 Land, land development and construction - real estate 74 - 31 105 51,670 51,775 Commercial and industrial 100 1,385 66 1,551 465,031 466,582 Mortgage 1-4 family 2,361 869 5,248 8,478 306,063 314,541 Resort lending - - 1,507 1,507 101,541 103,048 Home equity - 1st lien 149 - 222 371 28,645 29,016 Home equity - 2nd lien 470 218 317 1,005 54,232 55,237 Purchased loans 13 2 - 15 39,122 39,137 Installment Home equity - 1st lien 311 48 266 625 12,025 12,650 Home equity - 2nd lien 238 41 289 568 13,390 13,958 Boat lending 184 33 219 436 102,489 102,925 Recreational vehicle lending 68 33 21 122 74,413 74,535 Other 289 30 112 431 61,888 62,319 Total recorded investment $ 4,257 $ 2,659 $ 8,681 $ 15,597 $ 1,597,764 $ 1,613,361 Accrued interest included in recorded investment $ 45 $ 19 $ - $ 64 $ 5,049 $ 5,113
Impaired loans	Impaired loans are as follows: March 31, 2017 December 31, 2016 Impaired loans with no allocated allowance (In thousands) TDR $ 370 $ 1,782 Non - TDR - 1,107 Impaired loans with an allocated allowance TDR - allowance based on collateral 2,358 3,527 TDR - allowance based on present value cash flow 70,160 72,613 Non - TDR - allowance based on collateral 286 491 Total impaired loans $ 73,174 $ 79,520 Amount of allowance for loan losses allocated TDR - allowance based on collateral $ 680 $ 1,868 TDR - allowance based on present value cash flow 6,901 7,146 Non - TDR - allowance based on collateral 53 138 Total amount of allowance for loan losses allocated $ 7,634 $ 9,152 Impaired loans by class are as follows (1): March 31, 2017 December 31, 2016 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 370 $ 581 $ - $ 517 $ 768 $ - Land, land development & construction-real estate - - - 31 709 - Commercial and industrial - - - 2,341 3,261 - Mortgage 1-4 family 1 384 - 2 387 - Resort lending - - - - - - Home equity - 1st lien - - - - - - Home equity - 2nd lien - - - - - - Installment Home equity - 1st lien - 73 - - 66 - Home equity - 2nd lien - - - - - - Boat lending - - - - - - Recreational vehicle lending - - - - - - Other - - - - - - 371 1,038 - 2,891 5,191 - With an allowance recorded: Commercial Income producing - real estate 7,741 7,925 603 7,737 7,880 554 Land, land development & construction-real estate 167 872 8 239 244 36 Commercial and industrial 3,295 4,341 551 4,902 5,246 1,654 Mortgage 1-4 family 40,098 41,850 3,740 41,701 43,479 4,100 Resort lending 16,691 16,727 2,359 16,898 16,931 2,453 Home equity - 1st lien 234 241 28 235 242 10 Home equity - 2nd lien 192 276 20 315 398 16 Installment Home equity - 1st lien 1,884 2,007 92 1,994 2,117 118 Home equity - 2nd lien 2,308 2,339 205 2,415 2,443 182 Boat lending 1 6 - 1 6 - Recreational vehicle lending 106 105 6 109 108 6 Other 376 409 22 394 426 23 73,093 77,098 7,634 76,940 79,520 9,152 Total Commercial Income producing - real estate 8,111 8,506 603 8,254 8,648 554 Land, land development & construction-real estate 167 872 8 270 953 36 Commercial and industrial 3,295 4,341 551 7,243 8,507 1,654 Mortgage 1-4 family 40,099 42,234 3,740 41,703 43,866 4,100 Resort lending 16,691 16,727 2,359 16,898 16,931 2,453 Home equity - 1st lien 234 241 28 235 242 10 Home equity - 2nd lien 192 276 20 315 398 16 Installment Home equity - 1st lien 1,884 2,080 92 1,994 2,183 118 Home equity - 2nd lien 2,308 2,339 205 2,415 2,443 182 Boat lending 1 6 - 1 6 - Recreational vehicle lending 106 105 6 109 108 6 Other 376 409 22 394 426 23 Total $ 73,464 $ 78,136 $ 7,634 $ 79,831 $ 84,711 $ 9,152 Accrued interest included in recorded investment $ 290 $ 311 (1) There were no impaired purchased mortgage loans at March 31, 2017 or December 31, 2016.
Average recorded investment in and interest income earned on impaired loans by class	Average recorded investment in and interest income earned on impaired loans by class for the three month periods ending March 31, follows (1): 2017 2016 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: (In thousands) Commercial Income producing - real estate $ 444 $ - $ 713 $ 2 Land, land development & construction-real estate 16 - 678 7 Commercial and industrial 1,171 - 1,232 21 Mortgage 1-4 family 2 4 12 1 Resort lending - - - - Home equity - 1st lien - - - - Home equity - 2nd lien - - - - Installment Home equity - 1st lien - 1 1 1 Home equity - 2nd lien - - 7 - Boat lending - - - - Recreational vehicle lending - - - - Other - - - - 1,633 5 2,643 32 With an allowance recorded: Commercial Income producing - real estate 7,739 105 8,306 107 Land, land development & construction-real estate 203 2 1,587 13 Commercial and industrial 4,099 35 4,712 23 Mortgage 1-4 family 40,900 464 47,200 502 Resort lending 16,795 161 18,039 160 Home equity - 1st lien 235 2 206 2 Home equity - 2nd lien 254 2 182 1 Installment Home equity - 1st lien 1,939 34 2,326 42 Home equity - 2nd lien 2,362 35 2,861 44 Boat lending 1 - 2 - Recreational vehicle lending 108 1 120 2 Other 385 7 463 7 75,020 848 86,004 903 Total Commercial Income producing - real estate 8,183 105 9,019 109 Land, land development & construction-real estate 219 2 2,265 20 Commercial and industrial 5,270 35 5,944 44 Mortgage 1-4 family 40,902 468 47,212 503 Resort lending 16,795 161 18,039 160 Home equity - 1st lien 235 2 206 2 Home equity - 2nd lien 254 2 182 1 Installment Home equity - 1st lien 1,939 35 2,327 43 Home equity - 2nd lien 2,362 35 2,868 44 Boat lending 1 - 2 - Recreational vehicle lending 108 1 120 2 Other 385 7 463 7 Total $ 76,653 $ 853 $ 88,647 $ 935 (1) There were no impaired purchased mortgage loans during the three month periods ended March 31, 2017 and 2016, respectively.
Troubled debt restructurings	Troubled debt restructurings follow: March 31, 2017 Commercial Retail (1) Total (In thousands) Performing TDRs $ 10,206 $ 57,544 $ 67,750 Non-performing TDRs(2) 1,039 4,099 (3) 5,138 Total $ 11,245 $ 61,643 $ 72,888 December 31, 2016 Commercial Retail (1) Total (In thousands) Performing TDRs $ 10,560 $ 59,726 $ 70,286 Non-performing TDRs(2) 3,565 4,071 (3) 7,636 Total $ 14,125 $ 63,797 $ 77,922 (1) Retail loans include mortgage and installment loan segments. (2) Included in non-performing loans table above. (3) 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) 2017 Commercial Income producing - real estate - $ - $ - Land, land development & construction-real estate - - - Commercial and industrial 3 133 133 Mortgage 1-4 family 1 17 17 Resort lending 1 189 189 Home equity - 1st lien - - - Home equity - 2nd lien - - - Installment Home equity - 1st lien 2 34 37 Home equity - 2nd lien 2 45 46 Boat lending - - - Recreational vehicle lending - - - Other - - - Total 9 $ 418 $ 422 2016 Commercial Income producing - real estate 2 $ 110 $ 110 Land, land development & construction-real estate - - - Commercial and industrial 4 1,758 1,758 Mortgage 1-4 family 2 83 153 Resort lending 1 116 117 Home equity - 1st lien 1 107 78 Home equity - 2nd lien - - - Installment Home equity - 1st lien 1 30 31 Home equity - 2nd lien 2 55 56 Boat lending - - - Recreational vehicle lending - - - Other - - - Total 13 $ 2,259 $ 2,303 (1) There were no purchased mortgage loans classified as troubled debt restructurings during the three month periods ended March 31, 2017 and 2016, respectively.
Summary of loan ratings by loan class	The following table summarizes loan ratings by loan class for our commercial loan segment: Commercial Non-watch 1-6 Watch 7-8 Substandard Accrual 9 Non- Accrual 10-11 Total (In thousands) March 31, 2017 Income producing - real estate $ 277,648 $ 3,407 $ 411 $ 579 $ 282,045 Land, land development and construction - real estate 53,578 67 - 4 53,649 Commercial and industrial 468,378 9,786 2,856 742 481,762 Total $ 799,604 $ 13,260 $ 3,267 $ 1,325 $ 817,456 Accrued interest included in total $ 1,912 $ 45 $ 15 $ - $ 1,972 December 31, 2016 Income producing - real estate $ 282,886 $ 3,787 $ 337 $ 628 $ 287,638 Land, land development and construction - real estate 51,603 67 - 105 51,775 Commercial and industrial 449,365 9,788 2,998 4,431 466,582 Total $ 783,854 $ 13,642 $ 3,335 $ 5,164 $ 805,995 Accrued interest included in total $ 1,915 $ 52 $ 11 $ - $ 1,978 For each of our mortgage and installment segment classes, we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan segments: Mortgage (1) 1-4 Family Resort Lending Home Equity 1st Lien Home Equity 2nd Lien Purchased Loans Total (In thousands) March 31, 2017 800 and above $ 38,929 $ 10,347 $ 6,716 $ 7,846 $ 8,420 $ 72,258 750-799 124,778 40,569 10,926 16,893 20,309 213,475 700-749 86,342 24,152 6,176 10,568 8,646 135,884 650-699 58,861 13,542 4,012 7,058 435 83,908 600-649 26,474 5,143 1,602 3,115 - 36,334 550-599 13,199 3,006 453 1,635 - 18,293 500-549 8,815 1,397 482 963 - 11,657 Under 500 4,976 91 256 276 - 5,599 Unknown 3,212 1,696 314 633 131 5,986 Total $ 365,586 $ 99,943 $ 30,937 $ 48,987 $ 37,941 $ 583,394 Accrued interest included in total $ 1,535 $ 381 $ 123 $ 213 $ 112 $ 2,364 December 31, 2016 800 and above $ 36,534 $ 10,484 $ 6,048 $ 8,392 $ 8,462 $ 69,920 750-799 102,382 41,999 10,006 20,113 20,984 195,484 700-749 69,337 24,727 5,706 12,360 9,115 121,245 650-699 50,621 13,798 4,106 8,167 437 77,129 600-649 25,270 5,769 1,674 3,067 - 35,780 550-599 13,747 3,030 455 1,699 - 18,931 500-549 9,215 1,438 486 981 - 12,120 Under 500 5,145 92 255 279 - 5,771 Unknown 2,290 1,711 280 179 139 4,599 Total $ 314,541 $ 103,048 $ 29,016 $ 55,237 $ 39,137 $ 540,979 Accrued interest included in total $ 1,466 $ 450 $ 111 $ 226 $ 111 $ 2,364 (1) Credit scores have been updated within the last twelve months. Installment(1) Home Equity 1st Lien Home Equity 2nd Lien Boat Lending Recreational Vehicle Lending Other Total (In thousands) March 31, 2017 800 and above $ 1,235 $ 1,370 $ 22,038 $ 22,843 $ 8,589 $ 56,075 750-799 2,340 3,007 54,385 39,161 22,303 121,196 700-749 1,766 2,448 21,100 11,977 14,073 51,364 650-699 2,731 2,390 7,506 3,433 8,905 24,965 600-649 1,611 1,612 1,579 781 2,198 7,781 550-599 1,160 973 813 251 777 3,974 500-549 887 629 343 181 417 2,457 Under 500 110 214 56 16 156 552 Unknown 28 - 223 125 6,264 6,640 Total $ 11,868 $ 12,643 $ 108,043 $ 78,768 $ 63,682 $ 275,004 Accrued interest included in total $ 51 $ 52 $ 267 $ 205 $ 196 $ 771 December 31, 2016 800 and above $ 1,354 $ 1,626 $ 21,422 $ 23,034 $ 8,911 $ 56,347 750-799 2,478 3,334 50,508 35,827 21,918 114,065 700-749 1,920 2,686 20,045 11,049 13,183 48,883 650-699 2,852 2,541 7,559 3,205 8,913 25,070 600-649 1,691 1,775 1,846 821 2,269 8,402 550-599 1,231 1,063 882 280 833 4,289 500-549 981 692 440 189 511 2,813 Under 500 114 220 73 16 211 634 Unknown 29 21 150 114 5,570 5,884 Total $ 12,650 $ 13,958 $ 102,925 $ 74,535 $ 62,319 $ 266,387 Accrued interest included in total $ 54 $ 59 $ 264 $ 203 $ 191 $ 771 (1) Credit scores have been updated within the last twelve months.

Shareholders' Equity and Earn27

Shareholders' Equity and Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2017
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 2017 2016 (In thousands, except per share amounts) Net income $ 5,974 $ 4,100 Weighted average shares outstanding (1) 21,308 21,751 Effect of stock options 152 112 Stock units for deferred compensation plan for non-employee directors 119 113 Performance share units 60 - Restricted stock units - 86 Weighted average shares outstanding for calculation of diluted earnings per share 21,639 22,062 Net income per common share Basic (1) $ 0.28 $ 0.19 Diluted $ 0.28 $ 0.19 (1) Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume28

Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2017
Derivative Financial Instruments [Abstract]
Derivative financial instruments according to type of hedge designation	Our derivative financial instruments according to the type of hedge in which they are designated follows: March 31, 2017 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 34,318 0.1 $ 1,017 Mandatory commitments to sell mortgage loans 68,023 0.1 (166 ) Pay-fixed interest rate swap agreements 50,226 8.0 359 Pay-variable interest rate swap agreements 50,226 8.0 (359 ) Purchased options 3,119 4.3 307 Written options 3,119 4.3 (307 ) Total $ 209,031 4.0 $ 851 December 31, 2016 Notional Amount Average Maturity (years) Fair Value (Dollars in thousands) No hedge designation Rate-lock mortgage loan commitments $ 26,658 0.1 $ 646 Mandatory commitments to sell mortgage loans 61,954 0.1 630 Pay-fixed interest rate swap agreements 46,121 8.6 249 Pay-variable interest rate swap agreements 46,121 8.6 (249 ) Purchased options 3,119 4.5 238 Written options 3,119 4.5 (238 ) Total $ 187,092 4.4 $ 1,276
Fair value of derivative instruments	Fair Values of Derivative Instruments Asset Derivatives Liability Derivatives March 31, 2017 December 31, 2016 March 31, 2017 December 31, 2016 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 $ 1,017 Other assets $ 646 Other liabilities $ - Other liabilities $ - Mandatory commitments to sell mortgage loans Other assets - Other assets 630 Other liabilities 166 Other liabilities - Pay-fixed interest rate swap agreements Other assets 590 Other assets 493 Other liabilities 231 Other liabilities 244 Pay-variable interest rate swap agreements Other assets 231 Other assets 244 Other liabilities 590 Other liabilities 493 Purchased options Other assets 307 Other assets 238 Other liabilities - Other liabilities - Written options Other assets - Other assets - Other liabilities 307 Other liabilities 238 Total derivatives $ 2,145 $ 2,251 $ 1,294 $ 975
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 March 31, Recognized in Income 2017 2016 (In thousands) No hedge designation Rate-lock mortgage loan commitments Net gains on mortgage loans $ 371 $ 219 Mandatory commitments to sell mortgage loans Net gains on mortgage loans (796 ) (206 ) Pay-fixed interest rate swap agreements Interest income 110 (1,118 ) Pay-variable interest rate swap agreements Interest income (110 ) 1,118 Purchased options Interest expense 69 78 Written options Interest expense (69 ) (78 ) Total $ (425 ) $ 13

Intangible Assets (Tables)

Intangible Assets (Tables)	3 Months Ended
	Mar. 31, 2017
Intangible Assets [Abstract]
Other intangible assets, net of amortization	The following table summarizes intangible assets, net of amortization: March 31, 2017 December 31, 2016 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization (In thousands) Amortized intangible assets - core deposits $ 6,118 $ 4,273 $ 6,118 $ 4,186
Estimated amortization of other intangible assets	Amortization of other intangibles has been estimated through 2022 in the following table. (In thousands) Nine months ending December 31, 2017 $ 259 2018 346 2019 346 2020 346 2021 346 2022 202 Total $ 1,845

Share Based Compensation (Table

Share Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2017
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, 2017 211,018 $ 5.05 Granted - Exercised (15,992 ) 4.14 Forfeited - Expired - Outstanding at March 31, 2017 195,026 $ 5.12 4.85 $ 3,038 Vested and expected to vest at March 31, 2017 195,026 $ 5.12 4.85 $ 3,038 Exercisable at March 31, 2017 195,026 $ 5.12 4.85 $ 3,038
Summary of non-vested restricted stock, restricted stock units and PSU's	A summary of outstanding non-vested restricted stock and PSUs and related transactions follows: Number of Shares Weighted- Average Grant Date Fair Value Outstanding at January 1, 2017 296,422 $ 14.52 Granted 68,473 21.07 Vested (50,297 ) 14.81 Forfeited (5,727 ) 15.57 Outstanding at March 31, 2017 308,871 $ 15.85
Information regarding options exercised	Certain information regarding options exercised during the periods follows: Three Months Ended March 31, 2017 2016 (In thousands) Intrinsic value $ 279 $ 117 Cash proceeds received $ 66 $ 32 Tax benefit realized $ 98 $ 41

Regulatory Matters (Tables)

Regulatory Matters (Tables)	3 Months Ended
	Mar. 31, 2017
Regulatory Matters [Abstract]
Actual capital amounts and ratios	Our actual capital amounts and ratios follow: Actual Minimum for Adequately Capitalized Institutions Minimum for Well-Capitalized Institutions Amount Ratio Amount Ratio Amount Ratio (Dollars in thousands) March 31, 2017 Total capital to risk-weighted assets Consolidated $ 291,505 15.71 % $ 148,484 8.00 % NA NA Independent Bank 273,822 14.77 148,308 8.00 $ 185,384 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 270,707 14.59 % $ 111,363 6.00 % NA NA Independent Bank 253,024 13.65 111,231 6.00 $ 148,308 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 239,913 12.93 % $ 83,522 4.50 % NA NA Independent Bank 253,024 13.65 83,423 4.50 $ 120,500 6.50 % Tier 1 capital to average assets Consolidated $ 270,707 10.65 % $ 101,693 4.00 % NA NA Independent Bank 253,024 9.96 101,609 4.00 $ 127,011 5.00 % December 31, 2016 Total capital to risk-weighted assets Consolidated $ 286,289 15.86 % $ 144,413 8.00 % NA NA Independent Bank 270,855 15.02 144,223 8.00 $ 180,279 10.00 % Tier 1 capital to risk-weighted assets Consolidated $ 265,405 14.70 % $ 108,309 6.00 % NA NA Independent Bank 249,971 13.87 108,167 6.00 $ 144,223 8.00 % Common equity tier 1 capital to risk-weighted assets Consolidated $ 238,996 13.24 % $ 81,232 4.50 % NA NA Independent Bank 249,971 13.87 81,126 4.50 $ 117,181 6.50 % Tier 1 capital to average assets Consolidated $ 265,405 10.50 % $ 101,112 4.00 % NA NA Independent Bank 249,971 9.90 101,019 4.00 $ 126,274 5.00 %
Components of regulatory capital	The components of our regulatory capital are as follows: Consolidated Independent Bank March 31, 2017 December 31, 2016 March 31, 2017 December 31, 2016 (In thousands) Total shareholders' equity $ 255,475 $ 248,980 $ 262,716 $ 258,814 Add (deduct) Accumulated other comprehensive loss for regulatory purposes 738 3,310 738 3,310 Intangible assets (1,476 ) (1,159 ) (1,476 ) (1,159 ) Disallowed deferred tax assets (14,824 ) (12,135 ) (8,954 ) (10,994 ) Common equity tier 1 capital 239,913 238,996 253,024 249,971 Qualifying trust preferred securities 34,500 34,500 - - Disallowed deferred tax assets (3,706 ) (8,091 ) - - Tier 1 capital 270,707 265,405 253,024 249,971 Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets 20,798 20,884 20,798 20,884 Total risk-based capital $ 291,505 $ 286,289 $ 273,822 $ 270,855

Fair Value Disclosures (Tables)

Fair Value Disclosures (Tables)	3 Months Ended
	Mar. 31, 2017
Fair Value Disclosures [Abstract]
Assets and liabilities measured at fair value	Assets and liabilities measured at fair value, including financial assets for which we have elected the fair value option, were as follows: Fair Value Measurements Using Fair Value Measure- ments Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2017: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 331 $ 331 $ - $ - Securities available for sale U.S. agency 28,784 - 28,784 - U.S. agency residential mortgage-backed 147,874 - 147,874 - U.S. agency commercial mortgage-backed 12,195 - 12,195 - Private label mortgage-backed 28,840 - 28,840 - Other asset backed 145,795 - 145,795 - Obligations of states and political subdivisions 180,250 - 180,250 - Corporate 60,967 - 60,967 - Trust preferred 2,653 - 2,653 - Foreign government 1,606 - 1,606 - Loans held for sale 37,613 - 37,613 - Capitalized mortgage loan servicing rights 14,727 - - 14,727 Derivatives (1) 2,145 - 2,145 - Liabilities Derivatives (2) 1,294 - 1,294 - Measured at Fair Value on a Non-recurring basis: Assets Impaired loans (3) Commercial Income producing - real estate 294 - - 294 Land, land development & construction-real estate 10 - - 10 Commercial and industrial 1,213 - - 1,213 Mortgage 1-4 family 169 - - 169 Resort lending 225 - - 225 Other real estate (4) Commercial Income producing - real estate (5) 2,863 - 2,863 - Land, land development & construction-real estate 176 - - 176 Mortgage 1-4 family 146 - - 146 Resort lending 18 - - 18 (1) Included in accrued income and other assets (2) Included in accrued expenses and other liabilities (3) Only includes impaired loans with specific loss allocations based on collateral value. (4) Only includes other real estate with subsequent write downs to fair value. (5) Level 2 valuation is based on a signed purchase agreement. 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, 2016: Measured at Fair Value on a Recurring Basis: Assets Trading securities $ 410 $ 410 $ - $ - Securities available for sale U.S. agency 28,988 - 28,988 - U.S. agency residential mortgage-backed 156,289 - 156,289 - U.S. agency commercial mortgage-backed 12,632 - 12,632 - Private label mortgage-backed 34,727 - 34,727 - Other asset backed 146,709 - 146,709 - Obligations of states and political subdivisions 170,899 - 170,899 - Corporate 56,180 - 56,180 - Trust preferred 2,579 - 2,579 - Foreign government 1,613 - 1,613 - Loans held for sale 35,946 - 35,946 - Derivatives (1) 2,251 - 2,251 - Liabilities Derivatives (2) 975 - 975 - Measured at Fair Value on a Non-recurring basis: Assets Capitalized mortgage loan servicing rights (3) 8,163 - - 8,163 Impaired loans (4) Commercial Income producing - real estate 255 - - 255 Land, land development & construction-real estate 54 - - 54 Commercial and industrial 1,342 - - 1,342 Mortgage 1-4 family 361 - - 361 Other real estate (5) Commercial Income producing - real estate (6) 2,863 - 2,863 - Land, land development & construction-real estate 176 - - 176 Mortgage 1-4 family 98 - - 98 Resort lending 133 - - 133 (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. (6) Level 2 valuation is based on a signed purchase agreement.
Changes in fair value for financial assets	Changes in fair values for financial assets which we have elected the fair value option for the periods presented were as follows: Changes in Fair Values for the Three-Month Periods Ended March 31 for Items Measured at Fair Value Pursuant to Election of the Fair Value Option 2017 2016 Net Gains (Losses) on Assets Mortgage Loan Servicing, net Total Change in Fair Values Included in Current Period Earnings Net Gains (Losses) on Assets Total Change in Fair Values Included in Current Period Securities Loans Securities Loans Earnings (In thousands) Trading securities $ (79 ) $ - $ - $ (79 ) $ (12 ) $ - $ (12 ) Loans held for sale - 581 - 581 - 127 127 Capitalized mortgage loan servicing rights - - (264 ) (264 ) - - -
Reconciliation for all assets and (liabilities) measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	A reconciliation for all assets and (liabilities) measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the three months ended March 31 follows: Capitalized Mortgage Loan Servicing Rights Three Months Ended March 31, 2017 2016 Beginning balance $ - $ - Change in accounting 14,213 - Beginning balance, as adjusted 14,213 - Total losses realized and unrealized: Included in results of operations (264 ) - Included in other comprehensive income - - Purchases, issuances, settlements, maturities and calls 778 - Transfers in and/or out of Level 3 - - Ending balance $ 14,727 $ - Amount of total losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31 $ (264 ) $ -
Quantitative information about Level 3 fair value measurements measured on a non-recurring basis	Asset Fair Value Valuation Technique Unobservable Inputs Weighted Average (In thousands) March 31, 2017 Capitalized mortgage loan servicing rights $ 14,727 Present value of net Discount rate 10.08 % servicing revenue Cost to service $ 81 Ancillary income 24 Float rate 2.05 % Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows: Asset Fair Value Valuation Technique Unobservable Inputs Weighted Average March 31, 2017 (In thousands) Impaired loans Commercial $ 1,517 Sales comparison approach Adjustment for differences between comparable sales (2.1 )% Mortgage 394 Sales comparison approach Adjustment for differences between comparable sales (2.8 ) Other real estate Commercial 176 Sales comparison approach Adjustment for differences between comparable sales (22.5 ) Mortgage 164 Sales comparison approach Adjustment for differences between comparable sales (13.1 ) December 31, 2016 Capitalized mortgage loan servicing rights $ 8,163 Present value of net servicing revenue Discount rate 10.07 % Cost to service $ 83 Ancillary income 24 Float rate 1.97 % Impaired loans Commercial (1) 1,446 Sales comparison approach Adjustment for differences between comparable sales (1.5 )% Mortgage 361 Sales comparison approach Adjustment for differences between comparable sales (4.7 ) Other real estate Commercial 176 Sales comparison approach Adjustment for differences between comparable sales (22.5 ) Mortgage 231 Sales comparison approach Adjustment for differences between comparable sales (5.1 ) (1) In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2016, we had an impaired collateral dependent commercial relationship that totaled $0.2 million that was primarily secured by collateral other than real estate. Collateral securing this relationship primarily included machinery and equipment and inventory. Valuation techniques included appraisals and discounting restructuring firm valuations based on estimates of value recovery of each particular asset type. Discount rates used ranged from 0% to 100% of stated values.
Aggregate fair value and aggregate remaining contractual principal balance for loans held for sale	The following table reflects the difference between the aggregate fair value and the aggregate remaining contractual principal balance outstanding for loans held for sale for which the fair value option has been elected for the periods presented. Aggregate Fair Value Difference Contractual Principal (In thousands) Loans held for sale March 31, 2017 $ 37,613 $ 1,018 $ 36,595 December 31, 2016 35,946 437 35,509

Fair Values of Financial Inst33

Fair Values of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2017
Fair Values of Financial Instruments [Abstract]
Estimated recorded book balances and fair values	The estimated recorded book balances and fair values follow: Recorded Book Balance Fair Value Fair Value Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Un- observable Inputs (Level 3) (In thousands) March 31, 2017 Assets Cash and due from banks $ 29,866 $ 29,866 $ 29,866 $ - $ - Interest bearing deposits 39,957 39,957 39,957 - - Interest bearing deposits - time 5,340 5,357 - 5,357 - Trading securities 331 331 331 - - Securities available for sale 608,964 608,964 - 608,964 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,543 NA NA NA NA Net loans and loans held for sale (1) 1,721,180 1,689,457 - 70,471 1,618,986 Accrued interest receivable 7,697 7,697 1 2,795 4,901 Derivative financial instruments 2,145 2,145 - 2,145 - Liabilities Deposits with no stated maturity (2) $ 1,786,095 $ 1,786,095 $ 1,786,095 $ - $ - Deposits with stated maturity (2) 476,964 474,892 - 474,892 - Other borrowings 9,433 10,253 - 10,253 - Subordinated debentures 35,569 26,018 - 26,018 - Accrued interest payable 1,223 1,223 20 1,203 - Derivative financial instruments 1,294 1,294 - 1,294 - December 31, 2016 Assets Cash and due from banks $ 35,238 $ 35,238 $ 35,238 $ - $ - Interest bearing deposits 47,956 47,956 47,956 - - Interest bearing deposits - time 5,591 5,611 - 5,611 - Trading securities 410 410 410 - - Securities available for sale 610,616 610,616 - 610,616 - Federal Home Loan Bank and Federal Reserve Bank Stock 15,543 NA NA NA NA Net loans and loans held for sale (1) 1,655,335 1,629,587 - 67,321 1,562,266 Accrued interest receivable 7,316 7,316 5 2,364 4,947 Derivative financial instruments 2,251 2,251 - 2,251 - Liabilities Deposits with no stated maturity (2) $ 1,740,601 $ 1,740,601 $ 1,740,601 $ - $ - Deposits with stated maturity (2) 485,118 483,469 - 483,469 - Other borrowings 9,433 10,371 - 10,371 - Subordinated debentures 35,569 25,017 - 25,017 - Accrued interest payable 932 932 21 911 - Derivative financial instruments 975 975 - 975 - (1) Net loans and loans held for sale include $32.9 million and $31.4 million of payment plan receivables and commercial loans held for sale at March 31, 2017 and December 31, 2016, respectively. (2) Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $12.9 million and $7.4 million at March 31, 2017 and December 31, 2016, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $28.5 million and $31.3 million March 31, 2017 and December 31, 2016, respectively.

Accumulated Other Comprehensi34

Accumulated Other Comprehensive Loss ("AOCL") (Tables)	3 Months Ended
	Mar. 31, 2017
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 (In thousands) For the three months ended March 31, 2017 Balances at beginning of period $ (3,310 ) $ (5,798 ) $ (9,108 ) Cumulative effect of change in accounting 300 - 300 Balances at beginning of period, as adjusted (3,010 ) (5,798 ) (8,808 ) Other comprehensive income before reclassifications 2,341 - 2,341 Amounts reclassified from AOCL (69 ) - (69 ) Net current period other comprehensive income 2,272 - 2,272 Balances at end of period $ (738 ) $ (5,798 ) $ (6,536 ) 2016 Balances at beginning of period $ (238 ) $ (5,798 ) $ (6,036 ) Other comprehensive income before reclassifications 1,349 - 1,349 Amounts reclassified from AOCL (112 ) - (112 ) Net current period other comprehensive income 1,237 - 1,237 Balances at end of period $ 999 $ (5,798 ) $ (4,799 )
Summary of reclassifications out of each component of AOCL	A summary of reclassifications out of each component of AOCL for the three months ended March 31 follows: AOCL Component Amount Affected Line Item in Condensed (In thousands) 2017 Unrealized gains on securities available for sale $ 106 Net gains on securities - Net impairment loss recognized in earnings 106 Total reclassifications before tax 37 Income tax expense $ 69 Reclassifications, net of tax 2016 Unrealized gains on securities available for sale $ 174 Net gains on securities - Net impairment loss recognized in earnings 174 Total reclassifications before tax 62 Income tax expense $ 112 Reclassifications, net of tax

New Accounting Standards (Detai

New Accounting Standards (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2017	Dec. 31, 2016	Mar. 31, 2016	Dec. 31, 2015
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Deferred tax assets, net		$ 28,954	$ 32,818
Capitalized mortgage loan servicing rights		14,727
Total assets		2,596,482	2,548,950
Accumulated deficit		(61,764)	(65,657)
Accumulated other comprehensive loss		(6,536)	(9,108)
Total Shareholders' Equity		255,475	248,980	$ 239,545	$ 251,092
Total Liabilities and Shareholders' Equity		2,596,482	2,548,950
Originally Presented [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Deferred tax assets, net			32,818
Capitalized mortgage loan servicing rights			13,671
Total assets			2,548,950
Accumulated deficit			(65,657)
Accumulated other comprehensive loss			(9,108)
Total Shareholders' Equity			248,980
Total Liabilities and Shareholders' Equity			2,548,950
Cumulative Retrospective Adjustments [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Total Shareholders' Equity			352
Total Liabilities and Shareholders' Equity			352
Change in Accounting Method and ASU 2017-08 [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Total Shareholders' Equity			249,332
Total Liabilities and Shareholders' Equity			2,549,302
Change in Accounting Method [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Deferred tax assets, net	[1]		32,628
Capitalized mortgage loan servicing rights			14,213
Total assets			2,549,302
Change in Accounting Method [Member] | Cumulative Retrospective Adjustments [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Deferred tax assets, net	[1]		(190)
Capitalized mortgage loan servicing rights	[1]		542
Total assets			352
Accumulated deficit	[1]		352
New Accounting Pronouncement, Effect of Early Adoption [Member] | Additional Premium Amoritization on AFS Securities, Pre-tax [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Cumulative effect of adjustments			460
New Accounting Pronouncement, Effect of Early Adoption [Member] | Additional Premium Amoritization on AFS Securities, Net of Tax [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Cumulative effect of adjustments			300
New Accounting Pronouncement, Effect of Early Adoption [Member] | AOCI Decrease, Unrealized Losses AFS Securites, After Tax [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Cumulative effect of adjustments			300
ASU 2017-08 [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Accumulated deficit	[1],[2]		(65,606)
Accumulated other comprehensive loss	[2]		(8,808)
Increase in premium amortization on securities available for sale		$ 30
ASU 2017-08 [Member] | Cumulative Retrospective Adjustments [Member]
Cumulative Effect Adjustments to Condensed Consolidated Statement of Financial Position [Abstract]
Accumulated deficit	[1],[2]		(300)
Accumulated other comprehensive loss	[2]		$ 300
[1]	Represents adjustment to capitalized mortgage loan servicing rights, deferred tax assets, net, and accumulated deficit to reflect the adoption of the fair value method of accounting for our capitalized mortgage loan servicing rights.
[2]	Represents adjustment to accumulated deficit and accumulated other comprehensive loss to reflect the adoption of ASU 2017-08.

Securities (Details)

Securities (Details) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2017USD ($)Security	Mar. 31, 2016USD ($)	Dec. 31, 2016USD ($)
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 610,100		$ 615,709
Unrealized Gains	3,088		2,548
Unrealized Losses	4,224		7,641
Fair Value	608,964		610,616
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	233,173		286,522
Less Than Twelve Months, Unrealized Losses	3,178		5,739
Twelve Months or More, Fair Value	56,497		68,405
Twelve Months or More, Unrealized Losses	1,046		1,902
Total, Fair Value	289,670		354,927
Total, Unrealized Losses	4,224		7,641
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	2,212
Amortized cost	2,050
Non-credit unrealized loss	0
Unrealized gain	162
Cumulative credit related OTTI	1,594
OTTI changes recorded in earnings	0	$ 0
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Balance at beginning of period	1,844	1,844	1,844
Additions to credit losses on securities for which no previous OTTI was recognized	0	0
Increases to credit losses on securities for which OTTI was previously recognized	0	0
Balance at end of period	1,844	1,844	1,844
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Maturing within one year	20,583
Maturing after one year but within five years	107,748
Maturing after five years but within ten years	85,047
Maturing after ten years	62,315
Available-for-sale securities, debt maturities, amortized cost basis	275,693
U.S. agency residential mortgage-backed	147,432
U.S. agency commercial mortgage-backed	12,298
Private label residential mortgage-backed	29,018
Other asset backed	145,659
Total	610,100
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Maturing within one year	20,596
Maturing after one year but within five years	107,791
Maturing after five years but within ten years	84,667
Maturing after ten years	61,206
Total available-for-sale securities fair value	274,260
U.S. agency residential mortgage-backed	147,874
U.S. agency commercial mortgage-backed	12,195
Private label residential mortgage-backed	28,840
Other asset backed	145,795
Total	608,964
Gain and losses realized on sale of securities available for sale [Abstract]
Proceeds	6,152	42,391
Realized gains	106	226
Realized losses	0	52
Trading securities, realized losses	(79)	(12)
Credit related OTTI recognized in earnings	0	0
Cumulative Retrospective Adjustments [Member] | ASU 2017-08 [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Adjustment in Amortization on Available for Sale Securities			460
U.S. Agency [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	28,636		28,909
Unrealized Gains	211		159
Unrealized Losses	63		80
Fair Value	28,784		28,988
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	3,721		4,179
Less Than Twelve Months, Unrealized Losses	24		41
Twelve Months or More, Fair Value	7,707		8,217
Twelve Months or More, Unrealized Losses	39		39
Total, Fair Value	11,428		12,396
Total, Unrealized Losses	$ 63		80
Number of securities with market fair value less than amortized cost | Security	23
U.S. Agency Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 147,432		156,053
Unrealized Gains	1,165		1,173
Unrealized Losses	723		937
Fair Value	147,874		156,289
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	46,206		62,524
Less Than Twelve Months, Unrealized Losses	537		732
Twelve Months or More, Fair Value	20,682		20,857
Twelve Months or More, Unrealized Losses	186		205
Total, Fair Value	66,888		83,381
Total, Unrealized Losses	$ 723		937
Number of securities with market fair value less than amortized cost | Security	118
U.S. Agency Commercial Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 12,298		12,799
Unrealized Gains	52		28
Unrealized Losses	155		195
Fair Value	12,195		12,632
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	6,672		6,079
Less Than Twelve Months, Unrealized Losses	154		194
Twelve Months or More, Fair Value	140		143
Twelve Months or More, Unrealized Losses	1		1
Total, Fair Value	6,812		6,222
Total, Unrealized Losses	$ 155		195
Number of securities with market fair value less than amortized cost | Security	13
Private Label Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 29,018		35,035
Unrealized Gains	218		216
Unrealized Losses	396		524
Fair Value	28,840		34,727
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	17,038		20,545
Less Than Twelve Months, Unrealized Losses	173		281
Twelve Months or More, Fair Value	1,321		1,413
Twelve Months or More, Unrealized Losses	223		243
Total, Fair Value	18,359		21,958
Total, Unrealized Losses	$ 396		524
Number of securities with market fair value less than amortized cost | Security	30
Number of securities purchased prior to 2016 | Security	4
Number of securities with impairment in excess of ten percent | Security	2
Percentage of excess impairment on securities	10.00%
Number of securities with impairment for more than 12 months | Security	4
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Number of private label mortgage backed securities complete recovery of cost basis | Security	4
Number of private label mortgage backed securities currently with OTTI unrealized gains | Security	3
Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	$ 1,127
Amortized cost	1,092
Non-credit unrealized loss	0
Unrealized gain	35
Cumulative credit related OTTI	757
OTTI changes recorded in earnings	0	0
Super Senior Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	1,013
Amortized cost	958
Non-credit unrealized loss	0
Unrealized gain	55
Cumulative credit related OTTI	457
OTTI changes recorded in earnings	0	0
Senior Support Security [Member]
Private Label Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	72
Amortized cost	0
Non-credit unrealized loss	0
Unrealized gain	72
Cumulative credit related OTTI	380
OTTI changes recorded in earnings	0	$ 0
Other Asset Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	145,659		146,829
Unrealized Gains	346		271
Unrealized Losses	210		391
Fair Value	145,795		146,709
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	39,168		52,958
Less Than Twelve Months, Unrealized Losses	95		172
Twelve Months or More, Fair Value	11,949		17,763
Twelve Months or More, Unrealized Losses	115		219
Total, Fair Value	51,117		70,721
Total, Unrealized Losses	$ 210		391
Number of securities with market fair value less than amortized cost | Security	97
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 181,727		175,180
Unrealized Gains	716		478
Unrealized Losses	2,193		4,759
Fair Value	180,250		170,899
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	103,301		113,078
Less Than Twelve Months, Unrealized Losses	2,030		4,014
Twelve Months or More, Fair Value	10,090		14,623
Twelve Months or More, Unrealized Losses	163		745
Total, Fair Value	113,391		127,701
Total, Unrealized Losses	$ 2,193		4,759
Number of securities with market fair value less than amortized cost | Security	308
Number of securities with impairment in excess of ten percent | Security	28
Percentage of excess impairment on securities	10.00%
Corporate [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 60,790		56,356
Unrealized Gains	380		223
Unrealized Losses	203		399
Fair Value	60,967		56,180
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	15,461		25,546
Less Than Twelve Months, Unrealized Losses	155		292
Twelve Months or More, Fair Value	1,955		2,810
Twelve Months or More, Unrealized Losses	48		107
Total, Fair Value	17,416		28,356
Total, Unrealized Losses	$ 203		399
Number of securities with market fair value less than amortized cost | Security	19
Trust Preferred [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	$ 2,924		2,922
Unrealized Gains	0		0
Unrealized Losses	271		343
Fair Value	2,653		2,579
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	0		0
Less Than Twelve Months, Unrealized Losses	0		0
Twelve Months or More, Fair Value	2,653		2,579
Twelve Months or More, Unrealized Losses	271		343
Total, Fair Value	2,653		2,579
Total, Unrealized Losses	$ 271		343
Number of securities with market fair value less than amortized cost | Security	3
Number of issues rated as investment grade | Security	1
Number of securities rated as below investment grade | Security	1
Number of major credit rating agencies rating securities with fair value less than amortized cost | Security	2
Number of securities non-rated | Security	1
Non-rated trust preferred securities, amortized cost	$ 1,000
Non-rated trust preferred securities, fair value	800
Rated Issues [Member]
Trust preferred securities [Abstract]
Fair Value	1,812		1,800
Net Unrealized Loss	(112)		(123)
Unrated Issues [Member]
Trust preferred securities [Abstract]
Fair Value	841		779
Net Unrealized Loss	(159)		(220)
Foreign Government [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized Cost	1,616		1,626
Unrealized Gains	0		0
Unrealized Losses	10		13
Fair Value	1,606		1,613
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	1,606		1,613
Less Than Twelve Months, Unrealized Losses	10		13
Twelve Months or More, Fair Value	0		0
Twelve Months or More, Unrealized Losses	0		0
Total, Fair Value	1,606		1,613
Total, Unrealized Losses	$ 10		$ 13
Number of securities with market fair value less than amortized cost | Security	1

Loans (Details)

Loans (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		$ 20,234	$ 22,570
Additions (deductions) [Abstract]
Provision for loan losses		(359)	(530)
Recoveries credited to allowance		1,129	959
Loans charged against the allowance		(966)	(504)
Balance at end of period		20,038	22,495
Allowance for loan losses [Abstract]
Individually evaluated for impairment		7,634		$ 9,152
Collectively evaluated for impairment		12,404		11,082
Total ending allowance balance		20,038		20,234
Loans [Abstract]
Individually evaluated for impairment		73,464		79,831
Collectively evaluated for impairment		1,602,390		1,533,530
Total loans recorded investment		1,675,854		1,613,361
Accrued interest included in recorded investment		5,107		5,113
Total loans		1,670,747		1,608,248
Commercial [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		4,880	5,670
Additions (deductions) [Abstract]
Provision for loan losses		(61)	(404)
Recoveries credited to allowance		404	356
Loans charged against the allowance		(135)	0
Balance at end of period		5,088	5,622
Allowance for loan losses [Abstract]
Individually evaluated for impairment		1,162		2,244
Collectively evaluated for impairment		3,926		2,636
Total ending allowance balance		5,088		4,880
Loans [Abstract]
Individually evaluated for impairment		11,573		15,767
Collectively evaluated for impairment		805,883		790,228
Total loans recorded investment		817,456		805,995
Accrued interest included in recorded investment		1,972		1,978
Total loans		815,484		804,017
Mortgage [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		8,681	10,391
Additions (deductions) [Abstract]
Provision for loan losses		(699)	(279)
Recoveries credited to allowance		486	382
Loans charged against the allowance		(359)	(198)
Balance at end of period		8,109	10,296
Allowance for loan losses [Abstract]
Individually evaluated for impairment		6,147		6,579
Collectively evaluated for impairment		1,962		2,102
Total ending allowance balance		8,109		8,681
Loans [Abstract]
Individually evaluated for impairment		57,216		59,151
Collectively evaluated for impairment		526,178		481,828
Total loans recorded investment		583,394		540,979
Accrued interest included in recorded investment	[1]	2,364		2,364
Total loans		581,030		538,615
Installment [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		1,011	1,181
Additions (deductions) [Abstract]
Provision for loan losses		133	65
Recoveries credited to allowance		239	221
Loans charged against the allowance		(472)	(306)
Balance at end of period		911	1,161
Allowance for loan losses [Abstract]
Individually evaluated for impairment		325		329
Collectively evaluated for impairment		586		682
Total ending allowance balance		911		1,011
Loans [Abstract]
Individually evaluated for impairment		4,675		4,913
Collectively evaluated for impairment		270,329		261,474
Total loans recorded investment		275,004		266,387
Accrued interest included in recorded investment	[1]	771		771
Total loans		274,233		265,616
Payment Plan Receivables [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	[2]	0	56
Additions (deductions) [Abstract]
Provision for loan losses	[2]	0	(3)
Recoveries credited to allowance	[2]	0	0
Loans charged against the allowance	[2]	0	0
Balance at end of period	[2]	0	53
Subjective Allocation [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period		5,662	5,272
Additions (deductions) [Abstract]
Provision for loan losses		268	91
Recoveries credited to allowance		0	0
Loans charged against the allowance		0	0
Balance at end of period		5,930	$ 5,363
Allowance for loan losses [Abstract]
Individually evaluated for impairment		0		0
Collectively evaluated for impairment		5,930		5,662
Total ending allowance balance		$ 5,930		$ 5,662
[1]	Credit scores have been updated within the last twelve months.
[2]	Payment plan receivables were reclassified to held for sale at December 31, 2016. See note #15.

Loans, Receivables Past Due (De

Loans, Receivables Past Due (Details) - USD ($) $ in Thousands		Mar. 31, 2017	Dec. 31, 2016
Non performing loans [Abstract]
90+ and Still Accruing		$ 0	$ 0
Non-Accrual		9,016	13,364
Total Non-performing Loans		9,016	13,364
Accrued interest included in recorded investment		2	0
Aging analysis of loans by class [Abstract]
Total		12,757	15,597
Loans not Past Due		1,663,097	1,597,764
Total loans recorded investment		1,675,854	1,613,361
Accrued interest included in recorded investment		5,107	5,113
Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		3,651	4,257
Accrued interest included in recorded investment		46	45
Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		928	2,659
Accrued interest included in recorded investment		10	19
Loans Past Due, 90+ days [Member]
Non performing loans [Abstract]
Accrued interest included in recorded investment		0	0
Aging analysis of loans by class [Abstract]
Total		8,178	8,681
Accrued interest included in recorded investment		2	0
Loans Past Due Total [Member]
Aging analysis of loans by class [Abstract]
Accrued interest included in recorded investment		58	64
Loans Not Past Due [Member]
Aging analysis of loans by class [Abstract]
Accrued interest included in recorded investment		5,049	5,049
Commercial [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		817,456	805,995
Accrued interest included in recorded investment		1,972	1,978
Commercial [Member] | Income Producing - Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		579	628
Total Non-performing Loans		579	628
Aging analysis of loans by class [Abstract]
Total		448	383
Loans not Past Due		281,597	287,255
Total loans recorded investment		282,045	287,638
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		30	0
Commercial [Member] | Income Producing - Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		418	383
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		4	105
Total Non-performing Loans		4	105
Aging analysis of loans by class [Abstract]
Total		0	105
Loans not Past Due		53,649	51,670
Total loans recorded investment		53,649	51,775
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	74
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		0	31
Commercial [Member] | Commercial and Industrial [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		742	4,430
Total Non-performing Loans		742	4,430
Aging analysis of loans by class [Abstract]
Total		549	1,551
Loans not Past Due		481,213	465,031
Total loans recorded investment		481,762	466,582
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		366	100
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		114	1,385
Commercial [Member] | Commercial and Industrial [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		69	66
Mortgage [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		583,394	540,979
Accrued interest included in recorded investment	[1]	2,364	2,364
Mortgage [Member] | 1-4 Family [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		4,950	5,248
Total Non-performing Loans		4,950	5,248
Aging analysis of loans by class [Abstract]
Total		7,705	8,478
Loans not Past Due		357,881	306,063
Total loans recorded investment		365,586	314,541
Accrued interest included in recorded investment	[1]	1,535	1,466
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		2,169	2,361
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		586	869
Mortgage [Member] | 1-4 Family [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		4,950	5,248
Mortgage [Member] | Resort Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		1,414	1,507
Total Non-performing Loans		1,414	1,507
Aging analysis of loans by class [Abstract]
Total		1,572	1,507
Loans not Past Due		98,371	101,541
Total loans recorded investment		99,943	103,048
Accrued interest included in recorded investment	[1]	381	450
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		137	0
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		21	0
Mortgage [Member] | Resort Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		1,414	1,507
Mortgage [Member] | Home Equity - 1st Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		208	222
Total Non-performing Loans		208	222
Aging analysis of loans by class [Abstract]
Total		341	371
Loans not Past Due		30,596	28,645
Total loans recorded investment		30,937	29,016
Accrued interest included in recorded investment	[1]	123	111
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		133	149
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Mortgage [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		208	222
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		290	317
Total Non-performing Loans		290	317
Aging analysis of loans by class [Abstract]
Total		707	1,005
Loans not Past Due		48,280	54,232
Total loans recorded investment		48,987	55,237
Accrued interest included in recorded investment	[1]	213	226
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		385	470
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		32	218
Mortgage [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		290	317
Mortgage [Member] | Purchased Loans [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		0	0
Total Non-performing Loans		0	0
Aging analysis of loans by class [Abstract]
Total		4	15
Loans not Past Due		37,937	39,122
Total loans recorded investment		37,941	39,137
Accrued interest included in recorded investment	[1]	112	111
Mortgage [Member] | Purchased Loans [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		3	13
Mortgage [Member] | Purchased Loans [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		1	2
Mortgage [Member] | Purchased Loans [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		0	0
Installment [Member]
Aging analysis of loans by class [Abstract]
Total loans recorded investment		275,004	266,387
Accrued interest included in recorded investment	[1]	771	771
Installment [Member] | Home Equity - 1st Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		184	266
Total Non-performing Loans		184	266
Aging analysis of loans by class [Abstract]
Total		299	625
Loans not Past Due		11,569	12,025
Total loans recorded investment		11,868	12,650
Accrued interest included in recorded investment	[1]	51	54
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		91	311
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		24	48
Installment [Member] | Home Equity - 1st Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		184	266
Installment [Member] | Home Equity - 2nd Lien [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		350	289
Total Non-performing Loans		350	289
Aging analysis of loans by class [Abstract]
Total		528	568
Loans not Past Due		12,115	13,390
Total loans recorded investment		12,643	13,958
Accrued interest included in recorded investment	[1]	52	59
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		100	238
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		78	41
Installment [Member] | Home Equity - 2nd Lien [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		350	289
Installment [Member] | Boat Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		129	219
Total Non-performing Loans		129	219
Aging analysis of loans by class [Abstract]
Total		217	436
Loans not Past Due		107,826	102,489
Total loans recorded investment		108,043	102,925
Accrued interest included in recorded investment	[1]	267	264
Installment [Member] | Boat Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		85	184
Installment [Member] | Boat Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		3	33
Installment [Member] | Boat Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		129	219
Installment [Member] | Recreational Vehicle Lending [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		26	21
Total Non-performing Loans		26	21
Aging analysis of loans by class [Abstract]
Total		70	122
Loans not Past Due		78,698	74,413
Total loans recorded investment		78,768	74,535
Accrued interest included in recorded investment	[1]	205	203
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		42	68
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		2	33
Installment [Member] | Recreational Vehicle Lending [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		26	21
Installment [Member] | Other [Member]
Non performing loans [Abstract]
90+ and Still Accruing		0	0
Non-Accrual		140	112
Total Non-performing Loans		140	112
Aging analysis of loans by class [Abstract]
Total		317	431
Loans not Past Due		63,365	61,888
Total loans recorded investment		63,682	62,319
Accrued interest included in recorded investment	[1]	196	191
Installment [Member] | Other [Member] | Loans Past Due, 30-59 days [Member]
Aging analysis of loans by class [Abstract]
Total		140	289
Installment [Member] | Other [Member] | Loans Past Due, 60-89 days [Member]
Aging analysis of loans by class [Abstract]
Total		37	30
Installment [Member] | Other [Member] | Loans Past Due, 90+ days [Member]
Aging analysis of loans by class [Abstract]
Total		$ 140	$ 112
[1]	Credit scores have been updated within the last twelve months.

Loans, Impaired Financing Recei

Loans, Impaired Financing Receivables (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Impaired loan with no allocated allowance [Abstract]
TDR		$ 370		$ 1,782
Non - TDR		0		1,107
Impaired loans with an allocated allowance [Abstract]
TDR allowances based on collateral		2,358		3,527
TDR - allowances based on present value cash flow		70,160		72,613
Non - TDR - allowance based on collateral		286		491
Total impaired loans		73,174		79,520
Amount of allowance for loan losses allocated [Abstract]
TDR - allowance based on collateral		680		1,868
TDR - allowance based on present value cash flow		6,901		7,146
Non - TDR - allowance based on collateral		53		138
Allowance for loan losses allocated		7,634		9,152
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	371		2,891
Unpaid Principal Balance, with no related allowance	[1]	1,038		5,191
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	73,093		76,940
Unpaid Principal Balance, with an allowance recorded	[1]	77,098		79,520
Recorded Investment	[1]	73,464		79,831
Unpaid Principal Balance	[1]	78,136		84,711
Related Allowance	[1]	7,634		9,152
Accrued interest included in recorded investment	[1]	290		311
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	1,633	$ 2,643
Interest Income Recognized, with No Related Allowance	[2]	5	32
Average Recorded Investment, with Related Allowance	[2]	75,020	86,004
Interest Income Recognized, with Related Allowance	[2]	848	903
Average Recorded Investment	[2]	76,653	88,647
Interest Income Recognized	[2]	853	935
Commercial [Member] | Income Producing - Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	370		517
Unpaid Principal Balance, with no related allowance	[1]	581		768
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	7,741		7,737
Unpaid Principal Balance, with an allowance recorded	[1]	7,925		7,880
Recorded Investment	[1]	8,111		8,254
Unpaid Principal Balance	[1]	8,506		8,648
Related Allowance	[1]	603		554
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	444	713
Interest Income Recognized, with No Related Allowance	[2]	0	2
Average Recorded Investment, with Related Allowance	[2]	7,739	8,306
Interest Income Recognized, with Related Allowance	[2]	105	107
Average Recorded Investment	[2]	8,183	9,019
Interest Income Recognized	[2]	105	109
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		31
Unpaid Principal Balance, with no related allowance	[1]	0		709
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	167		239
Unpaid Principal Balance, with an allowance recorded	[1]	872		244
Recorded Investment	[1]	167		270
Unpaid Principal Balance	[1]	872		953
Related Allowance	[1]	8		36
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	16	678
Interest Income Recognized, with No Related Allowance	[2]	0	7
Average Recorded Investment, with Related Allowance	[2]	203	1,587
Interest Income Recognized, with Related Allowance	[2]	2	13
Average Recorded Investment	[2]	219	2,265
Interest Income Recognized	[2]	2	20
Commercial [Member] | Commercial and Industrial [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		2,341
Unpaid Principal Balance, with no related allowance	[1]	0		3,261
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	3,295		4,902
Unpaid Principal Balance, with an allowance recorded	[1]	4,341		5,246
Recorded Investment	[1]	3,295		7,243
Unpaid Principal Balance	[1]	4,341		8,507
Related Allowance	[1]	551		1,654
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	1,171	1,232
Interest Income Recognized, with No Related Allowance	[2]	0	21
Average Recorded Investment, with Related Allowance	[2]	4,099	4,712
Interest Income Recognized, with Related Allowance	[2]	35	23
Average Recorded Investment	[2]	5,270	5,944
Interest Income Recognized	[2]	35	44
Mortgage [Member] | 1-4 Family [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	1		2
Unpaid Principal Balance, with no related allowance	[1]	384		387
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	40,098		41,701
Unpaid Principal Balance, with an allowance recorded	[1]	41,850		43,479
Recorded Investment	[1]	40,099		41,703
Unpaid Principal Balance	[1]	42,234		43,866
Related Allowance	[1]	3,740		4,100
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	2	12
Interest Income Recognized, with No Related Allowance	[2]	4	1
Average Recorded Investment, with Related Allowance	[2]	40,900	47,200
Interest Income Recognized, with Related Allowance	[2]	464	502
Average Recorded Investment	[2]	40,902	47,212
Interest Income Recognized	[2]	468	503
Mortgage [Member] | Resort Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	16,691		16,898
Unpaid Principal Balance, with an allowance recorded	[1]	16,727		16,931
Recorded Investment	[1]	16,691		16,898
Unpaid Principal Balance	[1]	16,727		16,931
Related Allowance	[1]	2,359		2,453
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	16,795	18,039
Interest Income Recognized, with Related Allowance	[2]	161	160
Average Recorded Investment	[2]	16,795	18,039
Interest Income Recognized	[2]	161	160
Mortgage [Member] | Home Equity - 1st Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	234		235
Unpaid Principal Balance, with an allowance recorded	[1]	241		242
Recorded Investment	[1]	234		235
Unpaid Principal Balance	[1]	241		242
Related Allowance	[1]	28		10
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	235	206
Interest Income Recognized, with Related Allowance	[2]	2	2
Average Recorded Investment	[2]	235	206
Interest Income Recognized	[2]	2	2
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	192		315
Unpaid Principal Balance, with an allowance recorded	[1]	276		398
Recorded Investment	[1]	192		315
Unpaid Principal Balance	[1]	276		398
Related Allowance	[1]	20		16
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	254	182
Interest Income Recognized, with Related Allowance	[2]	2	1
Average Recorded Investment	[2]	254	182
Interest Income Recognized	[2]	2	1
Installment [Member] | Home Equity - 1st Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	73		66
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	1,884		1,994
Unpaid Principal Balance, with an allowance recorded	[1]	2,007		2,117
Recorded Investment	[1]	1,884		1,994
Unpaid Principal Balance	[1]	2,080		2,183
Related Allowance	[1]	92		118
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	1
Interest Income Recognized, with No Related Allowance	[2]	1	1
Average Recorded Investment, with Related Allowance	[2]	1,939	2,326
Interest Income Recognized, with Related Allowance	[2]	34	42
Average Recorded Investment	[2]	1,939	2,327
Interest Income Recognized	[2]	35	43
Installment [Member] | Home Equity - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	2,308		2,415
Unpaid Principal Balance, with an allowance recorded	[1]	2,339		2,443
Recorded Investment	[1]	2,308		2,415
Unpaid Principal Balance	[1]	2,339		2,443
Related Allowance	[1]	205		182
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	7
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	2,362	2,861
Interest Income Recognized, with Related Allowance	[2]	35	44
Average Recorded Investment	[2]	2,362	2,868
Interest Income Recognized	[2]	35	44
Installment [Member] | Boat Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	1		1
Unpaid Principal Balance, with an allowance recorded	[1]	6		6
Recorded Investment	[1]	1		1
Unpaid Principal Balance	[1]	6		6
Related Allowance	[1]	0		0
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	1	2
Interest Income Recognized, with Related Allowance	[2]	0	0
Average Recorded Investment	[2]	1	2
Interest Income Recognized	[2]	0	0
Installment [Member] | Recreational Vehicle Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance		0		0	[1]
Recorded Investment, with an allowance recorded	[1]	106		109
Unpaid Principal Balance, with an allowance recorded	[1]	105		108
Recorded Investment	[1]	106		109
Unpaid Principal Balance	[1]	105		108
Related Allowance	[1]	6		6
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	108	120
Interest Income Recognized, with Related Allowance	[2]	1	2
Average Recorded Investment	[2]	108	120
Interest Income Recognized	[2]	1	2
Installment [Member] | Other [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance	[1]	0		0
Unpaid Principal Balance, with no related allowance	[1]	0		0
No Related Allowance	[1]	0		0
Recorded Investment, with an allowance recorded	[1]	376		394
Unpaid Principal Balance, with an allowance recorded	[1]	409		426
Recorded Investment	[1]	376		394
Unpaid Principal Balance	[1]	409		426
Related Allowance	[1]	22		$ 23
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance	[2]	0	0
Interest Income Recognized, with No Related Allowance	[2]	0	0
Average Recorded Investment, with Related Allowance	[2]	385	463
Interest Income Recognized, with Related Allowance	[2]	7	7
Average Recorded Investment	[2]	385	463
Interest Income Recognized	[2]	$ 7	$ 7
[1]	There were no impaired purchased mortgage loans at March 31, 2017 or December 31, 2016.
[2]	There were no impaired purchased mortgage loans during the three month periods ended March 31, 2017 and 2016, respectively.

Loans, Troubled Debt Restructur

Loans, Troubled Debt Restructurings (Details) $ in Thousands		3 Months Ended
		Mar. 31, 2017USD ($)PaymentsContract	Mar. 31, 2016USD ($)Contract	Dec. 31, 2016USD ($)
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		$ 72,888		$ 77,922
Troubled debt restructuring, specific reserve		$ 7,600		9,000
Number of Consecutive Timely Payments Required | Payments		6
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	9	13
Pre-modification recorded balance	[1]	$ 418	$ 2,259
Post-modification recorded balance	[1]	422	2,303
Increase (decrease) in allowance for loan losses		50	60
Charge offs due to troubled debt restructurings		$ 0	0
TDR that subsequently defaulted [Abstract]
Past due period for modified loans		90 days
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
Modification of stated interest rate of loans, range of period in certain circumstances		480 months
Modifications involving extension of maturity date, period range		60 months
Modifications involving extension of maturity date, period range in certain circumstances		230 months
Performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		$ 67,750		70,286
Non-performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[2]	5,138		7,636
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		11,245		14,125
Commercial [Member] | Performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring		10,206		10,560
Commercial [Member] | Non-performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[2]	$ 1,039		3,565
Commercial [Member] | Income Producing - Real Estate [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	0	2
Pre-modification recorded balance	[1]	$ 0	$ 110
Post-modification recorded balance	[1]	$ 0	$ 110
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	0	0
Pre-modification recorded balance	[1]	$ 0	$ 0
Post-modification recorded balance	[1]	$ 0	$ 0
Commercial [Member] | Commercial and Industrial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	3	4
Pre-modification recorded balance	[1]	$ 133	$ 1,758
Post-modification recorded balance	[1]	$ 133	$ 1,758
Mortgage [Member] | 1-4 Family [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	1	2
Pre-modification recorded balance	[1]	$ 17	$ 83
Post-modification recorded balance	[1]	$ 17	$ 153
Mortgage [Member] | Resort Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	1	1
Pre-modification recorded balance	[1]	$ 189	$ 116
Post-modification recorded balance	[1]	$ 189	$ 117
Mortgage [Member] | Home Equity - 1st Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	0	1
Pre-modification recorded balance	[1]	$ 0	$ 107
Post-modification recorded balance	[1]	$ 0	$ 78
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	0	0
Pre-modification recorded balance	[1]	$ 0	$ 0
Post-modification recorded balance	[1]	$ 0	$ 0
Installment [Member] | Home Equity - 1st Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	2	1
Pre-modification recorded balance	[1]	$ 34	$ 30
Post-modification recorded balance	[1]	$ 37	$ 31
Installment [Member] | Home Equity - 2nd Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	2	2
Pre-modification recorded balance	[1]	$ 45	$ 55
Post-modification recorded balance	[1]	$ 46	$ 56
Installment [Member] | Boat Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	0	0
Pre-modification recorded balance	[1]	$ 0	$ 0
Post-modification recorded balance	[1]	$ 0	$ 0
Installment [Member] | Recreational Vehicle Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	0	0
Pre-modification recorded balance	[1]	$ 0	$ 0
Post-modification recorded balance	[1]	$ 0	$ 0
Installment [Member] | Other [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts | Contract	[1]	0	0
Pre-modification recorded balance	[1]	$ 0	$ 0
Post-modification recorded balance	[1]	0	$ 0
Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[3]	61,643		63,797
Retail [Member] | Performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[3]	57,544		59,726
Retail [Member] | Non-performing TDRs [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	[2],[3],[4]	$ 4,099		$ 4,071
[1]	There were no impaired purchased mortgage loans during the three month periods ended March 31, 2017 and 2016, respectively.
[2]	Included in non-performing loans table above.
[3]	Retail loans include mortgage and installment loan segments.
[4]	Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.

Loans, Loan Ratings by Loan Cla

Loans, Loan Ratings by Loan Class, Commercial Segment (Details) - USD ($) $ in Thousands		Mar. 31, 2017	Dec. 31, 2016
Loan ratings/credit scores by loan class [Abstract]
Commercial		$ 815,484	$ 804,017
Accrued interest included in total		5,107	5,113
Other Real Estate and Foreclosed Assets [Abstract]
Foreclosed residential real estate properties		2,200	1,900
Retail mortgage loans in process of foreclosure		1,100	1,000
Commercial [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		817,456	805,995
Accrued interest included in total		1,972	1,978
Commercial [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		799,604	783,854
Accrued interest included in total		1,912	1,915
Commercial [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		13,260	13,642
Accrued interest included in total		45	52
Commercial [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		3,267	3,335
Accrued interest included in total		15	11
Commercial [Member] | Non-Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		1,325	5,164
Accrued interest included in total		0	0
Commercial [Member] | Income Producing - Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		282,045	287,638
Commercial [Member] | Income Producing - Real Estate [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		277,648	282,886
Commercial [Member] | Income Producing - Real Estate [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		3,407	3,787
Commercial [Member] | Income Producing - Real Estate [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		411	337
Commercial [Member] | Income Producing - Real Estate [Member] | Non-Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		579	628
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		53,649	51,775
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		53,578	51,603
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		67	67
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		0	0
Commercial [Member] | Land, Land Development and Construction - Real Estate [Member] | Non-Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		4	105
Commercial [Member] | Commercial and Industrial [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		481,762	466,582
Commercial [Member] | Commercial and Industrial [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		468,378	449,365
Commercial [Member] | Commercial and Industrial [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		9,786	9,788
Commercial [Member] | Commercial and Industrial [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		2,856	2,998
Commercial [Member] | Commercial and Industrial [Member] | Non-Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial		742	4,431
Mortgage [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	72,258	69,920
750-799	[1]	213,475	195,484
700-749	[1]	135,884	121,245
650-699	[1]	83,908	77,129
600-649	[1]	36,334	35,780
550-599	[1]	18,293	18,931
500-549	[1]	11,657	12,120
Under 500	[1]	5,599	5,771
Unknown	[1]	5,986	4,599
Total	[1]	583,394	540,979
Accrued interest included in total	[1]	2,364	2,364
Mortgage [Member] | 1-4 Family [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	38,929	36,534
750-799	[1]	124,778	102,382
700-749	[1]	86,342	69,337
650-699	[1]	58,861	50,621
600-649	[1]	26,474	25,270
550-599	[1]	13,199	13,747
500-549	[1]	8,815	9,215
Under 500	[1]	4,976	5,145
Unknown	[1]	3,212	2,290
Total	[1]	365,586	314,541
Accrued interest included in total	[1]	1,535	1,466
Mortgage [Member] | Resort Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	10,347	10,484
750-799	[1]	40,569	41,999
700-749	[1]	24,152	24,727
650-699	[1]	13,542	13,798
600-649	[1]	5,143	5,769
550-599	[1]	3,006	3,030
500-549	[1]	1,397	1,438
Under 500	[1]	91	92
Unknown	[1]	1,696	1,711
Total	[1]	99,943	103,048
Accrued interest included in total	[1]	381	450
Mortgage [Member] | Home Equity - 1st Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	6,716	6,048
750-799	[1]	10,926	10,006
700-749	[1]	6,176	5,706
650-699	[1]	4,012	4,106
600-649	[1]	1,602	1,674
550-599	[1]	453	455
500-549	[1]	482	486
Under 500	[1]	256	255
Unknown	[1]	314	280
Total	[1]	30,937	29,016
Accrued interest included in total	[1]	123	111
Mortgage [Member] | Home Equity - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	7,846	8,392
750-799	[1]	16,893	20,113
700-749	[1]	10,568	12,360
650-699	[1]	7,058	8,167
600-649	[1]	3,115	3,067
550-599	[1]	1,635	1,699
500-549	[1]	963	981
Under 500	[1]	276	279
Unknown	[1]	633	179
Total	[1]	48,987	55,237
Accrued interest included in total	[1]	213	226
Mortgage [Member] | Purchased Loans [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	8,420	8,462
750-799	[1]	20,309	20,984
700-749	[1]	8,646	9,115
650-699	[1]	435	437
600-649	[1]	0	0
550-599	[1]	0	0
500-549	[1]	0	0
Under 500	[1]	0	0
Unknown	[1]	131	139
Total	[1]	37,941	39,137
Accrued interest included in total	[1]	112	111
Installment [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	56,075	56,347
750-799	[1]	121,196	114,065
700-749	[1]	51,364	48,883
650-699	[1]	24,965	25,070
600-649	[1]	7,781	8,402
550-599	[1]	3,974	4,289
500-549	[1]	2,457	2,813
Under 500	[1]	552	634
Unknown	[1]	6,640	5,884
Total	[1]	275,004	266,387
Accrued interest included in total	[1]	771	771
Installment [Member] | Home Equity - 1st Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	1,235	1,354
750-799	[1]	2,340	2,478
700-749	[1]	1,766	1,920
650-699	[1]	2,731	2,852
600-649	[1]	1,611	1,691
550-599	[1]	1,160	1,231
500-549	[1]	887	981
Under 500	[1]	110	114
Unknown	[1]	28	29
Total	[1]	11,868	12,650
Accrued interest included in total	[1]	51	54
Installment [Member] | Home Equity - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	1,370	1,626
750-799	[1]	3,007	3,334
700-749	[1]	2,448	2,686
650-699	[1]	2,390	2,541
600-649	[1]	1,612	1,775
550-599	[1]	973	1,063
500-549	[1]	629	692
Under 500	[1]	214	220
Unknown	[1]	0	21
Total	[1]	12,643	13,958
Accrued interest included in total	[1]	52	59
Installment [Member] | Boat Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	22,038	21,422
750-799	[1]	54,385	50,508
700-749	[1]	21,100	20,045
650-699	[1]	7,506	7,559
600-649	[1]	1,579	1,846
550-599	[1]	813	882
500-549	[1]	343	440
Under 500	[1]	56	73
Unknown	[1]	223	150
Total	[1]	108,043	102,925
Accrued interest included in total	[1]	267	264
Installment [Member] | Recreational Vehicle Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	22,843	23,034
750-799	[1]	39,161	35,827
700-749	[1]	11,977	11,049
650-699	[1]	3,433	3,205
600-649	[1]	781	821
550-599	[1]	251	280
500-549	[1]	181	189
Under 500	[1]	16	16
Unknown	[1]	125	114
Total	[1]	78,768	74,535
Accrued interest included in total	[1]	205	203
Installment [Member] | Other [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	[1]	8,589	8,911
750-799	[1]	22,303	21,918
700-749	[1]	14,073	13,183
650-699	[1]	8,905	8,913
600-649	[1]	2,198	2,269
550-599	[1]	777	833
500-549	[1]	417	511
Under 500	[1]	156	211
Unknown	[1]	6,264	5,570
Total	[1]	63,682	62,319
Accrued interest included in total	[1]	$ 196	$ 191
[1]	Credit scores have been updated within the last twelve months.

Shareholders' Equity and Earn42

Shareholders' Equity and Earnings Per Common Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands		3 Months Ended
		Mar. 31, 2017	Mar. 31, 2016	Jan. 23, 2017
Earnings Per Share Reconciliation [Abstract]
Net income		$ 5,974	$ 4,100
Weighted average shares outstanding (in shares)	[1]	21,308	21,751
Effect of stock options (in shares)		152	112
Stock units for deferred compensation plan for non-employee directors (in shares)		119	113
Performance share units (in shares)		60	0
Restricted stock units (in shares)		0	86
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)		21,639	22,062
Net income per common share [Abstract]
Basic (in dollars per share)	[1]	$ 0.28	$ 0.19
Diluted (in dollars per share)		$ 0.28	$ 0.19
Common Stock [Member]
Class of Stock [Line Items]
Stock repurchase program percentage of shares authorized to be repurchased				5.00%
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)		0	30
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

Derivative Financial Instrume43

Derivative Financial Instruments (Details) - No Hedge Designation [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2017	Dec. 31, 2016
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 209,031	$ 187,092
Average Maturity	4 years	4 years 4 months 24 days
Fair Value	$ 851	$ 1,276
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	2,145	2,251
Liability Derivatives	1,294	975
Rate-Lock Mortgage Loan Commitments [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 34,318	$ 26,658
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ 1,017	$ 646
Rate-Lock Mortgage Loan Commitments [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	1,017	646
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	$ 68,023	$ 61,954
Average Maturity	1 month 6 days	1 month 6 days
Fair Value	$ (166)	$ 630
Mandatory Commitments to Sell Mortgage Loans [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	0	630
Mandatory Commitments to Sell Mortgage Loans [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	166	0
Interest Rate Swap [Member] | Fixed Income Interest Rate [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 50,226	$ 46,121
Average Maturity	8 years	8 years 7 months 6 days
Fair Value	$ 359	$ 249
Interest Rate Swap [Member] | Fixed Income Interest Rate [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	590	493
Interest Rate Swap [Member] | Fixed Income Interest Rate [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	231	244
Interest Rate Swap [Member] | Variable Income Interest Rate [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 50,226	$ 46,121
Average Maturity	8 years	8 years 7 months 6 days
Fair Value	$ (359)	$ (249)
Interest Rate Swap [Member] | Variable Income Interest Rate [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	231	244
Interest Rate Swap [Member] | Variable Income Interest Rate [Member] | Other Liabilities [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives	590	493
Purchased Options [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount	$ 3,119	$ 3,119
Average Maturity	4 years 3 months 18 days	4 years 6 months
Fair Value	$ 307	$ 238
Purchased Options [Member] | Other Assets [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives	307	238
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	$ 3,119
Average Maturity	4 years 3 months 18 days	4 years 6 months
Fair Value	$ (307)	$ (238)
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	$ 307	$ 238

Derivative Financial Instrume44

Derivative Financial Instruments, Effect on Statement of Operations (Details) - No Hedge Designation [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Effect of derivative financial instruments on the condensed consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$ (425)	$ 13
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	371	219
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	(796)	(209)
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	69	78
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	(69)	(78)
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	110	(1,118)
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	$ (110)	$ 1,118

Intangible Assets (Details)

Intangible Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Amortized intangible assets - core deposits [Abstract]
Gross Carrying Amount	$ 6,118	$ 6,118
Accumulated Amortization	4,273	$ 4,186
Summary of estimated intangible amortization [Abstract]
Nine months ending December 31, 2017	259
2,018	346
2,019	346
2,020	346
2,021	346
2,022	202
Total	$ 1,845

Share Based Compensation (Detai

Share Based Compensation (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Mar. 31, 2015
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of additional shares approved for grant (in shares)	100,000
Total compensation cost not yet recognized	$ 3,200
Total compensation cost not yet recognized, period for recognition	2 years 6 months
Information regarding options exercised [Abstract]
Intrinsic value	$ 279	$ 117
Cash proceeds received	66	32
Tax benefit realized	98	41
Long-term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Total compensation expense recognized	400	400
Tax benefit relating to compensation expense recognized	$ 100	$ 100
Stock Options [Member]
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	211,018
Granted (in shares)	0
Exercised (in shares)	(15,992)
Forfeited (in shares)	0
Expired (in shares)	0
Outstanding, ending balance (in shares)	195,026
Vested and expected to vest, period end (in shares)	195,026
Exercisable, period end (in shares)	195,026
Average Exercise Price [Roll Forward]
Outstanding, beginning balance (in dollars per share)	$ 5.05
Exercised (in dollars per share)	4.14
Outstanding, ending balance (in dollars per share)	5.12
Vested and expected to vest, period end (in dollars per share)	5.12
Exercisable, period end (in dollars per share)	$ 5.12
Weighted-Average Remaining Contractual Term (Years) [Abstract]
Outstanding, Weighted Average Remaining Contractual Term	4 years 10 months 6 days
Vested and Expected to Vest, Weighted-Average Remaining Contractual Term	4 years 10 months 6 days
Exercisable, Weighted Average Remaining Contractual Term	4 years 10 months 6 days
Aggregate Intrinsic Value [Abstract]
Outstanding, Aggregate Intrinsic Value	$ 3,038
Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	3,038
Exercisable, Aggregate Intrinsic Value	$ 3,038
Non Vested Restricted Stock and PSU's [Member]
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	296,422
Granted (in shares)	68,473
Vested (in shares)	(50,297)
Forfeited (in shares)	(5,727)
Outstanding, ending balance (in shares)	308,871
Weighted Average Grant Date Fair Value [Roll Forward]
Outstanding, beginning balance (in dollars per share)	$ 14.52
Granted (in dollars per share)	21.07
Vested (in dollars per share)	14.81
Forfeited (in dollars per share)	15.57
Outstanding, ending balance (in dollars per share)	$ 15.85
Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares issues as retainer fees (in shares)	2,000	2,000
Non-Employee Directors [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of additional shares approved for grant (in shares)	200,000
Total compensation expense recognized	$ 40	$ 30
Tax benefit relating to compensation expense recognized	$ 10	$ 10
Officers [Member] | Restricted Stock [Member] | Long-term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock units or restricted shares issued in period (in shares)	50,000	70,000
Vesting period	3 years	3 years
Officers [Member] | Performance Stock Units [Member] | Long-term Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Number of stock units or restricted shares issued in period (in shares)	20,000	30,000
Vesting period		3 years	3 years

Income Tax (Details)

Income Tax (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Income Tax [Abstract]
Income tax expense	$ 2,621	$ 1,957
Gross unrecognized tax benefits	800		$ 800
Mepco [Member]
Valuation Allowance [Line Items]
Valuation allowance against deferred tax assets	$ 1,100		$ 1,100

Regulatory Matters (Details)

Regulatory Matters (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Regulatory Matters [Abstract]
Undivided profits		$ 11,200
Request for approval to transfer capital from bank to parent entity	$ 18,000
Components of regulatory capital [Abstract]
Total shareholders' equity	$ 239,545	255,475	$ 248,980	$ 251,092
Add (deduct) [Abstract]
Accumulated other comprehensive loss for regulatory purposes		(6,536)	(9,108)
Intangible assets		(1,845)	(1,932)
Consolidated [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital		291,505	286,289
Minimum for Adequately Capitalized Institutions, Amount		$ 148,484	$ 144,413
Actual, Ratio		15.71%	15.86%
Minimum for Adequately Capitalized Institutions, Ratio		8.00%	8.00%
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount		$ 270,707	$ 265,405
Minimum for Adequately Capitalized Institutions, Amount		$ 111,363	$ 108,309
Actual, Ratio		14.59%	14.70%
Minimum for Adequately Capitalized Institutions, Ratio		6.00%	6.00%
Common equity tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount		$ 239,913	$ 238,996
Minimum for Adequately Capitalized Institutions, Amount		$ 83,522	$ 81,232
Actual, Ratio		12.93%	13.24%
Minimum for Adequately Capitalized Institutions, Ratio		4.50%	4.50%
Tier 1 capital to average assets [Abstract]
Tier 1 capital		$ 270,707	$ 265,405
Minimum for Adequately Capitalized Institutions, Amount		$ 101,693	$ 101,112
Actual, Ratio		10.65%	10.50%
Minimum for Adequately Capitalized Institutions, Ratio		4.00%	4.00%
Components of regulatory capital [Abstract]
Total shareholders' equity		$ 255,475	$ 248,980
Add (deduct) [Abstract]
Accumulated other comprehensive loss for regulatory purposes		738	3,310
Intangible assets		(1,476)	(1,159)
Disallowed deferred tax assets		(14,824)	(12,135)
Common equity tier 1 capital		239,913	238,996
Qualifying trust preferred securities		34,500	34,500
Disallowed deferred tax assets		(3,706)	(8,091)
Tier 1 capital		270,707	265,405
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		20,798	20,884
Total risk-based capital		291,505	286,289
Independent Bank [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital		273,822	270,855
Minimum for Adequately Capitalized Institutions, Amount		148,308	144,223
Minimum for Well Capitalized Institutions, Amount		$ 185,384	$ 180,279
Actual, Ratio		14.77%	15.02%
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		$ 253,024	$ 249,971
Minimum for Adequately Capitalized Institutions, Amount		111,231	108,167
Minimum for Well-Capitalized Institutions, Amount		$ 148,308	$ 144,223
Actual, Ratio		13.65%	13.87%
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		$ 253,024	$ 249,971
Minimum for Adequately Capitalized Institutions, Amount		83,423	81,126
Minimum for Well-Capitalized Institutions, Amount		$ 120,500	$ 117,181
Actual, Ratio		13.65%	13.87%
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		$ 253,024	$ 249,971
Minimum for Adequately Capitalized Institutions, Amount		101,609	101,019
Minimum for Well-Capitalized Institutions, Amount		$ 127,011	$ 126,274
Actual, Ratio		9.96%	9.90%
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		$ 262,716	$ 258,814
Add (deduct) [Abstract]
Accumulated other comprehensive loss for regulatory purposes		738	3,310
Intangible assets		(1,476)	(1,159)
Disallowed deferred tax assets		(8,954)	(10,994)
Common equity tier 1 capital		253,024	249,971
Qualifying trust preferred securities		0	0
Disallowed deferred tax assets		0	0
Tier 1 capital		253,024	249,971
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		20,798	20,884
Total risk-based capital		$ 273,822	$ 270,855

Fair Value Disclosures, Signifi

Fair Value Disclosures, Significant Assumptions (Details) - USD ($) $ in Thousands		Mar. 31, 2017	Dec. 31, 2016
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		331	$ 410
Securities available for sale		608,964	610,616
Loans held for sale		37,613	35,946
U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		28,784	28,988
U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		147,874	156,289
U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		12,195	12,632
Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		28,840	34,727
Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		145,795	146,709
Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		180,250	170,899
Corporate [Member]
Assets [Abstract]
Securities available for sale		60,967	56,180
Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,653	2,579
Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,606	1,613
Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities		331	410
Loans held for sale		37,613	35,946
Capitalized mortgage loan servicing rights		14,727
Derivatives	[1]	2,145	2,251
Liabilities [Abstract]
Derivatives	[2]	1,294	975
Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		28,784	28,988
Fair Value, Measurements, Recurring [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		147,874	156,289
Fair Value, Measurements, Recurring [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		12,195	12,632
Fair Value, Measurements, Recurring [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		28,840	34,727
Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		145,795	146,709
Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale		180,250	170,899
Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		60,967	56,180
Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,653	2,579
Fair Value, Measurements, Recurring [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,606	1,613
Fair Value, Measurements, Nonrecurring [Member]
Assets [Abstract]
Capitalized mortgage loan servicing rights	[3]		8,163
Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	[4]	294	255
Land, land development & construction - real estate	[4]	10	54
Commercial and industrial	[4]	1,213	1,342
Mortgage [Abstract]
1-4 Family	[4]	169	361
Resort Lending	[4]	225
Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Income producing - real estate	[5],[6]	2,863	2,863
Land, land development & construction - real estate	[6]	176	176
Mortgage [Abstract]
1-4 Family	[6]	146	98
Resort Lending	[6]	18	133
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Trading securities		331	410
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		331	410
Loans held for sale		0	0
Capitalized mortgage loan servicing rights		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	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
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
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Income producing - real estate	[5],[6]	0	0
Land, land development & construction - real estate	[6]	0	0
Mortgage [Abstract]
1-4 Family	[6]	0	0
Resort Lending	[6]	0	0
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Trading securities		0	0
Securities available for sale		608,964	610,616
Derivatives		2,145	2,251
Liabilities [Abstract]
Derivatives		1,294	975
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities		0	0
Loans held for sale		37,613	35,946
Capitalized mortgage loan servicing rights		0
Derivatives	[1]	2,145	2,251
Liabilities [Abstract]
Derivatives	[2]	1,294	975
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale		28,784	28,988
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		147,874	156,289
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		12,195	12,632
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Private Label Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale		28,840	34,727
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale		145,795	146,709
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		180,250	170,899
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale		60,967	56,180
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale		2,653	2,579
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Foreign Government [Member]
Assets [Abstract]
Securities available for sale		1,606	1,613
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets [Abstract]
Capitalized mortgage loan servicing rights	[3]		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
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Income producing - real estate	[5],[6]	2,863	2,863
Land, land development & construction - real estate	[6]	0	0
Mortgage [Abstract]
1-4 Family	[6]	0	0
Resort Lending	[6]	0	0
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Trading securities		0	0
Securities available for sale		0	0
Capitalized mortgage loan servicing rights		14,727	8,163
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
Capitalized mortgage loan servicing rights		14,727
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	0
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets [Abstract]
Capitalized mortgage loan servicing rights	[3]		8,163
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	[4]	294	255
Land, land development & construction - real estate	[4]	10	54
Commercial and industrial	[4]	1,213	1,342
Mortgage [Abstract]
1-4 Family	[4]	169	361
Resort Lending	[4]	225
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Income producing - real estate	[5],[6]	0	0
Land, land development & construction - real estate	[6]	176	176
Mortgage [Abstract]
1-4 Family	[6]	146	98
Resort Lending	[6]	$ 18	$ 133
[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]	Level 2 valuation is based on a signed purchase agreement.
[6]	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
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Impairment charges recognized [Abstract]
Capitalized mortgage loan servicing rights, carrying amount			$ 8,200
Capitalized mortgage loan servicing rights, valuation allowance			2,300
Capitalized mortgage loan servicing rights		$ 1,500
Collateral dependent loans, carrying amount	$ 2,600		4,000
Collateral dependent loans, valuation allowance	700		2,000
Additional provision for loan losses on impaired loans	300	600
Other real estate, carrying amount	3,200		3,200
Other real estate, valuation allowance	700		$ 800
Other real estate, additional charge	20	170
Trading Securities [Member]
Changes in fair value for financial assets [Abstract]
Net Gains (Losses) on Assets	(79)	(12)
Total Change in Fair Values Included in Current Period Earnings	(79)	(12)
Capitalized Mortgage Loan Servicing Rights [Member]
Changes in fair value for financial assets [Abstract]
Mortgage Loan Servicing, net	(264)
Total Change in Fair Values Included in Current Period Earnings	(264)
Loans Held For Sale [Member]
Changes in fair value for financial assets [Abstract]
Net Gains (Losses) on Assets	581	127
Total Change in Fair Values Included in Current Period Earnings	$ 581	$ 127

Fair Value Disclosures, Reconci

Fair Value Disclosures, Reconciliation for all Assets and Liabilities Measured at Fair Value on a Recurring Basis Using Significant Unobservable Inputs (Level 3) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) [Roll Forward]
Change in accounting	$ 14,727
Capitalized Mortgage Loan Servicing Rights [Member]
Reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) [Roll Forward]
Beginning balance	0	$ 0
Change in accounting	14,213
Total losses realized and unrealized [Abstract]
Included in results of operations	(264)	0
Included in other comprehensive income	0	0
Purchases, issuances, settlements, maturities and calls	778	0
Transfers in and/or out of Level 3	0	0
Ending balance	14,727	0
Amount of total gains losses for the period included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at March 31	(264)	0
Capitalized Mortgage Loan Servicing Rights [Member] | As Adjusted [Member]
Reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) [Roll Forward]
Beginning balance	$ 14,213	$ 0

Fair Value Disclosures, Quantit

Fair Value Disclosures, Quantitative Information About Level 3 (Details) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2017	Dec. 31, 2016
Impaired Loans Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Total impaired collateral value		$ 200,000
Impaired Loans Commercial [Member] | Minimum [Member]
Unobservable Inputs Weighted Average [Abstract]
Discount rate		0.00%
Impaired Loans Commercial [Member] | Maximum [Member]
Unobservable Inputs Weighted Average [Abstract]
Discount rate		100.00%
Significant Unobservable Inputs (Level 3) [Member]
Asset (Liability) Fair Value [Abstract]
Capitalized mortgage loan servicing rights	$ 14,727,000	$ 8,163,000
Impaired loan [Abstract]
Commercial	1,517,000	1,446,000	[1]
Mortgage	394,000	361,000
Other real estate [Abstract]
Commercial	176,000	176,000
Mortgage	$ 164,000	$ 231,000
Present Value of Net Servicing Revenue [Member]
Unobservable Inputs Weighted Average [Abstract]
Discount rate	10.08%	10.07%
Cost to service	$ 81	$ 83
Ancillary income	$ 24	$ 24
Float rate	2.05%	1.97%
Sales Comparison Approach [Member] | Impaired Loans Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales	(2.10%)	(1.50%)	[1]
Sales Comparison Approach [Member] | Impaired Loans Mortgage [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales	(2.80%)	(4.70%)
Sales Comparison Approach [Member] | Other Real Estate Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales	(22.50%)	(22.50%)
Sales Comparison Approach [Member] | Other Real Estate Mortgage [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales	(13.10%)	(5.10%)
[1]	In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2016, we had an impaired collateral dependent commercial relationship that totaled $0.2 million that was primarily secured by collateral other than real estate. Collateral securing this relationship primarily included machinery and equipment and inventory. Valuation techniques 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	Mar. 31, 2017	Dec. 31, 2016
Loans held for sale [Abstract]
Aggregate Fair Value	$ 37,613	$ 35,946
Difference	1,018	437
Contractual Principal	$ 36,595	$ 35,509

Fair Values of Financial Inst54

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands		Mar. 31, 2017	Dec. 31, 2016
Assets [Abstract]
Interest bearing deposits - time		$ 5,340	$ 5,591
Trading securities		331	410
Securities available for sale		608,964	610,616
Federal Home Loan Bank and Federal Reserve Bank Stock		15,543	15,543
Liabilities [Abstract]
Other borrowings		9,433	9,433
Subordinated debentures		35,569	35,569
Payment plan receivables and commercial loans held for sale		32,900	31,400
Reciprocal deposits included in deposits with no stated maturity		12,900	7,400
Reciprocal deposits included in deposits with stated maturity		28,500	31,300
Recorded Book Balance [Member]
Assets [Abstract]
Cash and due from banks		29,866	35,238
Interest bearing deposits		39,957	47,956
Interest bearing deposits - time		5,340	5,591
Trading securities		331	410
Securities available for sale		608,964	610,616
Federal Home Loan Bank and Federal Reserve Bank Stock		15,543	15,543
Net loans and loans held for sale	[1]	1,721,180	1,655,335
Accrued interest receivable		7,697	7,316
Derivative financial instruments		2,145	2,251
Liabilities [Abstract]
Deposits with no stated maturity	[2]	1,786,095	1,740,601
Deposits with stated maturity	[2]	476,964	485,118
Other borrowings		9,433	9,433
Subordinated debentures		35,569	35,569
Accrued interest payable		1,223	932
Derivative financial instruments		1,294	975
Fair Value [Member]
Assets [Abstract]
Cash and due from banks		29,866	35,238
Interest bearing deposits		39,957	47,956
Interest bearing deposits - time		5,357	5,611
Trading securities		331	410
Securities available for sale		608,964	610,616
Net loans and loans held for sale	[1]	1,689,457	1,629,587
Accrued interest receivable		7,697	7,316
Derivative financial instruments		2,145	2,251
Liabilities [Abstract]
Deposits with no stated maturity	[2]	1,786,095	1,740,601
Deposits with stated maturity	[2]	474,892	483,469
Other borrowings		10,253	10,371
Subordinated debentures		26,018	25,017
Accrued interest payable		1,223	932
Derivative financial instruments		1,294	975
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Cash and due from banks		29,866	35,238
Interest bearing deposits		39,957	47,956
Interest bearing deposits - time		0	0
Trading securities		331	410
Securities available for sale		0	0
Net loans and loans held for sale	[1]	0	0
Accrued interest receivable		1	5
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity	[2]	1,786,095	1,740,601
Deposits with stated maturity	[2]	0	0
Other borrowings		0	0
Subordinated debentures		0	0
Accrued interest payable		20	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		5,357	5,611
Trading securities		0	0
Securities available for sale		608,964	610,616
Net loans and loans held for sale	[1]	70,471	67,321
Accrued interest receivable		2,795	2,364
Derivative financial instruments		2,145	2,251
Liabilities [Abstract]
Deposits with no stated maturity	[2]	0	0
Deposits with stated maturity	[2]	474,892	483,469
Other borrowings		10,253	10,371
Subordinated debentures		26,018	25,017
Accrued interest payable		1,203	911
Derivative financial instruments		1,294	975
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]	1,618,986	1,562,266
Accrued interest receivable		4,901	4,947
Derivative financial instruments		0	0
Liabilities [Abstract]
Deposits with no stated maturity	[2]	0	0
Deposits with stated maturity	[2]	0	0
Other borrowings		0	0
Subordinated debentures		0	0
Accrued interest payable		0	0
Derivative financial instruments		$ 0	$ 0
[1]	Net loans and loans held for sale include $32.9 million and $31.4 million of payment plan receivables and commercial loans held for sale at March 31, 2017 and December 31, 2016, respectively
[2]	Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $12.9 million and $7.4 million at March 31, 2017 and December 31, 2016, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $28.5 million and $31.3 million March 31, 2017 and December 31, 2016, respectively.

Contingent Liabilities (Details

Contingent Liabilities (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Loss Contingencies [Line Items]
Litigation settlement expense			$ 2,200
Notification costs and other estimated expenses			100
Cash payment for litigation settlement relating to collection of vehicle service contracts counterparty receivables		$ 4,000
Aggregate amount of counterparty obligations	$ 2,176		2,271
Vehicle service contract counterparty contingencies	(100)	30
Provision for loss reimbursement on sold loans	30	(20)
Reserve for loss reimbursement on sold mortgage loans	$ 500		$ 600
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	$ 1,250
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	30 months

Accumulated Other Comprehensi56

Accumulated Other Comprehensive Loss ("AOCL"), Summary of Changes (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance at beginning of period	$ 248,980	$ 251,092
Cumulative effect of change in accounting	352	0
Balance at beginning of period, as adjusted	249,332	251,092
Other comprehensive income before reclassifications	2,341	1,349
Amounts reclassified from AOCL	(69)	(112)
Net current period other comprehensive income	2,272	1,237
Balance at end of period	255,475	239,545
Accumulated Other Comprehensive Loss [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance at beginning of period	(9,108)	(6,036)
Cumulative effect of change in accounting	300
Balance at beginning of period, as adjusted	(8,808)
Balance at end of period	(6,536)	(4,799)
Unrealized Gains (Losses) on Securities Available For Sale [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance at beginning of period	(3,310)	(238)
Cumulative effect of change in accounting	300
Balance at beginning of period, as adjusted	(3,010)
Other comprehensive income before reclassifications	2,341	1,349
Amounts reclassified from AOCL	(69)	(112)
Net current period other comprehensive income	2,272	1,237
Balance at end of period	(738)	999
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)
Cumulative effect of change in accounting	0
Balance at beginning of period, as adjusted	(5,798)
Other comprehensive income before reclassifications	0	0
Amounts reclassified from AOCL	0	0
Net current period other comprehensive income	0	0
Balance at end of period	$ (5,798)	$ (5,798)

Accumulated Other Comprehensi57

Accumulated Other Comprehensive Loss ("AOCL"), Reclassification Out of Each components (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Total reclassifications before tax	$ 8,595	$ 6,057
Income tax expense	2,621	1,957
Reclassifications, net of tax	5,974	4,100
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	106	174
Net impairment loss recognized in earnings	0	0
Total reclassifications before tax	106	174
Income tax expense	37	62
Reclassifications, net of tax	$ 69	$ 112

Payment Plan Receivables and 58

Payment Plan Receivables and Other Assets Held for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Payment Plan Receivables And Other Assets Held For Sale [Line Items]
Commercial loans	$ 815,484	$ 804,017
Mepco [Member]
Payment Plan Receivables And Other Assets Held For Sale [Line Items]
Payment plan receivables	32,300	30,600
Commercial loans	600	800
Other assets to be sold	1,900	2,000
Liabilities to be assumed	$ 1,400	$ 700