Independent Bank (IBCP) 10-K 6 Mar 15 2014 FY Annual report Financial data

Document_and_Entity_Informatio

Document and Entity Information (USD $)	12 Months Ended
	Dec. 31, 2014	Mar. 05, 2015	Jun. 30, 2014
Document and Entity Information [Abstract]
Entity Registrant Name	INDEPENDENT BANK CORP /MI/
Entity Central Index Key	39311
Current Fiscal Year End Date	-19
Entity Well-known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Accelerated Filer
Entity Public Float			$288,335,749
Entity Common Stock, Shares Outstanding		23,001,804
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY
Document Type	10-K
Amendment Flag	FALSE
Document Period End Date	31-Dec-14

CONSOLIDATED_STATEMENTS_OF_FIN

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (USD $)	Dec. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS
Cash and due from banks	$48,326		$48,156
Interest bearing deposits	25,690		70,925
Cash and Cash Equivalents	74,016		119,081
Interest bearing deposits - time	13,561		17,999
Trading securities	203		498
Securities available for sale	533,178		462,481
Federal Home Loan Bank and Federal Reserve Bank stock, at cost	19,919		23,419
Loans held for sale, carried at fair value	23,662		20,390
Loans
Commercial	690,955		635,234
Mortgage	472,628		486,633
Installment	206,378		192,065
Payment plan receivables	40,001		60,638
Total Loans	1,409,962		1,374,570
Allowance for loan losses	-25,990		-32,325
Net Loans	1,383,972		1,342,245
Other real estate and repossessed assets	6,454		18,282
Property and equipment, net	45,948		48,594
Bank-owned life insurance	53,625		52,253
Deferred tax assets, net	48,632		57,550
Capitalized mortgage loan servicing rights	12,106		13,710
Vehicle service contract counterparty receivables, net	7,237		7,716
Other intangibles	2,627		3,163
Accrued income and other assets	23,590		22,562
Total Assets	2,248,730		2,209,943
Deposits
Non-interest bearing	576,882		518,658
Savings and interest-bearing checking	943,734		910,352
Reciprocal	53,668		83,527
Retail time	338,720		358,800
Brokered time	11,298		13,469
Total Deposits	1,924,302		1,884,806
Other borrowings	12,470		17,188
Subordinated debentures	35,569		40,723
Vehicle service contract counterparty payables	1,977		4,089
Accrued expenses and other liabilities	24,041		31,556
Total Liabilities	1,998,359		1,978,362
Commitments and contingent liabilities
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: 22,957,323 shares at December 31, 2014 and 22,819,136 shares at December 31, 2013	352,462		351,173
Accumulated deficit	-96,455		-110,347
Accumulated other comprehensive loss	-5,636	[1]	-9,245	[1]
Total Shareholders' Equity	250,371		231,581
Total Liabilities and Shareholders' Equity	$2,248,730		$2,209,943
[1]	2014 and 2013 amounts are presented net of tax as we removed substantially all of the valuation allowance on our deferred tax assets during the second quarter of 2013 (see note #13).

CONSOLIDATED_STATEMENTS_OF_FIN1

CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
Shareholders' Equity
Convertible preferred stock, par value (in dollars per share)	$0	$0
Convertible preferred stock, shares authorized (in shares)	200,000	200,000
Convertible preferred stock, shares issued (in shares)	0	0
Convertible 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)	22,957,323	22,819,136
Common stock, shares outstanding (in shares)	22,957,323	22,819,136

CONSOLIDATED_STATEMENTS_OF_OPE

CONSOLIDATED STATEMENTS OF OPERATIONS (USD $)	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
INTEREST INCOME
Interest and fees on loans	$71,823		$80,664		$93,780
Interest on securities
Taxable	6,341		4,059		2,934
Tax-exempt	991		1,101		1,044
Other investments	1,400		1,297		1,640
Total Interest Income	80,555		87,121		99,398
INTEREST EXPENSE
Deposits	4,967		5,706		8,913
Other borrowings	2,332		3,456		4,230
Total Interest Expense	7,299		9,162		13,143
Net Interest Income	73,256		77,959		86,255
Provision for loan losses	-3,136		-3,988		6,887
Net Interest Income After Provision for Loan Losses	76,392		81,947		79,368
NON-INTEREST INCOME
Service charges on deposit accounts	13,446		14,076		17,887
Interchange income	8,164		7,362		9,188
Net gains (losses) on assets
Mortgage loans	5,628		10,022		17,323
Securities	329		395		1,226
Other than temporary impairment loss on securities
Total impairment loss	-9		-26		-339
Loss recognized in other comprehensive income (loss)	0		0		0
Net impairment loss recognized in earnings	-9		-26		-339
Mortgage loan servicing	791		3,806		166
Title insurance fees	995		1,682		1,963
Gain on extinguishment of debt	500		0		0
Increase in fair value of U.S. Treasury warrant	0		-1,025		-285
Net gain on branch sale	0		0		5,402
Other	8,931		8,537		11,034
Total Non-interest Income	38,775		44,829		63,565
NON-INTEREST EXPENSE
Compensation and employee benefits	47,221		47,924		53,983
Occupancy, net	8,912		8,845		10,104
Data processing	7,532		8,019		8,009
Loan and collection	5,392		6,886		9,965
Furniture, fixtures and equipment	4,137		4,293		4,635
Communications	2,926		2,919		3,677
Advertising	2,193		2,433		2,494
Legal and professional	1,969		2,459		4,175
FDIC deposit insurance	1,567		2,435		3,306
Interchange expense	1,291		1,645		1,799
Credit card and bank service fees	946		1,263		2,091
Vehicle service contract counterparty contingencies	199		4,837		1,629
Costs (recoveries) related to unfunded lending commitments	31		-90		-688
Write-down of property and equipment held for sale	0		0		860
Provision for loss reimbursement on sold loans	-466		2,152		1,112
Net (gains) losses on other real estate and repossessed assets	-500		1,237		2,854
Other	6,601		6,861		6,730
Total Non-interest Expense	89,951		104,118		116,735
Income Before Income Tax	25,216		22,658		26,198
Income tax expense (benefit)	7,195		-54,851		0
Net Income	18,021		77,509		26,198
Preferred stock dividends and discount accretion	0		-3,001		-4,347
Preferred stock discount	0		7,554		0
Net Income Applicable to Common Stock	$18,021		$82,062		$21,851
Net income per common share
Basic (in dollars per share)	$0.79	[1]	$5.87	[1]	$2.51	[1]
Diluted (in dollars per share)	$0.77		$3.55		$0.80
Cash dividends declared per common share (in dollars per share)	$0.18		$0		$0
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS) [Abstract]
Net Income	$18,021		$77,509		$26,198
Available for sale securities
Unrealized gain (loss) arising during period	5,095		-4,698		2,757
Change in unrealized losses for which a portion of other than temporary impairment has been recognized in earnings	398		270		1,160
Reclassification adjustment for other than temporary impairment included in earnings	9		26		339
Reclassification adjustments for (gains) included in earnings	-329		-7		-1,193
Unrealized gains (losses) recognized in other comprehensive income (loss) on available for sale securities	5,173		-4,409		3,063
Income tax expense (benefit)	1,811		-1,544		0
Unrealized gains (losses) recognized in other comprehensive income (loss) on available for sale securities, net of tax	3,362		-2,865		3,063
Derivative instruments
Unrealized loss arising during period	0		-37		-127
Reclassification adjustment for expense recognized in earnings	0		208		491
Reclassification adjustment for accretion on settled derivatives	380		189		436
Unrealized gains recognized in other comprehensive income (loss) on derivative instruments	380		360		800
Income tax expense (benefit)	133		-1,318		0
Unrealized gains recognized in other comprehensive income (loss) on derivative instruments, net of tax	247		1,678		800
Other comprehensive income (loss)	3,609	[1]	-1,187	[1]	3,863	[1]
Comprehensive income	$21,630		$76,322		$30,061
[1]	2014 and 2013 amounts are presented net of tax as we removed substantially all of the valuation allowance on our deferred tax assets during the second quarter of 2013 (see note #13).

CONSOLIDATED_STATEMENTS_OF_SHA

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (USD $)	Preferred Stock [Member]	Common Stock [Member]	Accumulated Deficit [Member]	Accumulated Other Comprehensive Loss [Member]	Total
In Thousands, unless otherwise specified
Balances at Dec. 31, 2011	$79,857	$248,950	($214,259)	($11,921)	$102,627
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	0	0	26,198	0	26,198
Dividends on Preferred	4,128	0	-4,128	0	0
Issuance of common stock	0	1,418	0	0	1,418
Share based compensation	0	869	0	0	869
Accretion of preferred stock discount	219	0	-219	0	0
Other comprehensive income	0	0	0	3,863	3,863	[1]
Balances at Dec. 31, 2012	84,204	251,237	-192,408	-8,058	134,975
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	0	0	77,509	0	77,509
Dividends on Preferred	2,856	0	-2,856	0	0
Issuance of common stock	0	99,075	0	0	99,075
Share based compensation	0	1,238	0	0	1,238
Share based compensation withholding obligation	0	-513	0	0	-513
Accretion of preferred stock discount	146	0	-146	0	0
Common stock warrant	0	1,484	0	0	1,484
Redemption of convertible preferred stock and common stock warrant	-87,206	-1,348	7,554	0	-81,000
Other comprehensive income	0	0	0	-1,187	-1,187	[1]
Balances at Dec. 31, 2013	0	351,173	-110,347	-9,245	231,581
Increase (Decrease) in Stockholders' Equity [Roll Forward]
Net Income	0	0	18,021	0	18,021
Cash dividends declared	0	0	-4,129	0	-4,129
Issuance of common stock	0	97	0	0	97
Share based compensation	0	1,192	0	0	1,192
Other comprehensive income	0	0	0	3,609	3,609	[1]
Balances at Dec. 31, 2014	$0	$352,462	($96,455)	($5,636)	$250,371
[1]	2014 and 2013 amounts are presented net of tax as we removed substantially all of the valuation allowance on our deferred tax assets during the second quarter of 2013 (see note #13).

CONSOLIDATED_STATEMENTS_OF_SHA1

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash dividends
Preferred stock stated dividend rate (in hundredths)		5.00%	5.00%
Cash dividends declared (per share)	$0.18	$0	$0
Issuance of shares of common stock (in shares)	30,828	13,604,963	454,842
Share based compensation, common stock (in shares)	107,359	175,789	147,364
Share based compensation withholding obligation, common stock (in shares)		55,348

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract]
Net Income	$18,021	$77,509	$26,198
ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH FROM OPERATING ACTIVITIES
Proceeds from sales of loans held for sale	228,906	415,442	527,371
Disbursements for loans held for sale	-226,550	-378,323	-512,734
Provision for loan losses	-3,136	-3,988	6,887
Deferred federal income tax expense (benefit)	8,918	-57,550	0
Deferred loan fees	-753	17	-392
Depreciation, amortization of intangible assets and premiums and accretion of discounts on securities and loans	3,014	-2,197	-4,718
Write-down of property and equipment held for sale	0	0	860
Net gains on mortgage loans	-5,628	-10,022	-17,323
Net gains on securities	-329	-395	-1,226
Securities impairment recognized in earnings	9	26	339
Net (gains) losses on other real estate and repossessed assets	-500	1,237	2,854
Vehicle service contract counterparty contingencies	199	4,837	1,629
Share based compensation	1,192	1,238	869
Gains on extinguishment of debt	-500	0	0
Net gain on branch sale	0	0	-5,402
(Increase) decrease in accrued income and other assets	-2,579	7,747	-2,425
Increase (decrease) in accrued expenses and other liabilities	-7,213	-3,508	6,606
Total Adjustments	-4,950	-25,439	3,195
Net Cash From Operating Activities	13,071	52,070	29,393
CASH FLOW USED IN INVESTING ACTIVITIES
Proceeds from the sale of securities available for sale	14,633	2,940	37,176
Proceeds from the maturity of securities available for sale	58,220	29,866	83,190
Principal payments received on securities available for sale	84,487	43,702	23,765
Purchases of securities available for sale	-224,946	-332,060	-192,726
Purchases of interest bearing deposits	-2,401	-20,260	0
Proceeds from the maturity of interest bearing deposits	6,719	2,142	0
Redemption of Federal Home Loan Bank and Federal Reserve Bank stock	3,814	0	334
Purchase of Federal Reserve Bank stock	-314	-2,581	0
Net (increase) decrease in portfolio loans (loans originated, net of principal payments)	-37,195	33,192	90,952
Net proceeds from the sale of watch, substandard and non-performing loans	0	6,721	0
Net cash from (paid for) branch sale	0	3,292	-339,995
Proceeds from the collection of vehicle service contract counterparty receivables	385	6,751	7,413
Proceeds from the sale of other real estate and repossessed assets	18,471	13,546	19,331
Proceeds from the sale of property and equipment	309	52	1,958
Capital expenditures	-4,298	-8,371	-5,293
Net Cash From Investing Activities	-82,116	-221,068	-273,895
CASH FLOW FROM FINANCING ACTIVITIES
Net increase in total deposits	39,496	105,269	96,428
Net increase (decrease) in other borrowings	-1	4	0
Proceeds from Federal Home Loan Bank advances	100	100	12,000
Payments of Federal Home Loan Bank advances	-4,817	-541	-27,762
Net increase (decrease) in vehicle service contract counterparty payables	-2,112	-3,636	1,092
Dividends paid	-4,129	0	0
Proceeds from issuance of common stock	97	98,066	1,418
Redemption of subordinated debt	-4,654	-9,452	0
Redemption of convertible preferred stock and common stock warrant	0	-81,000	0
Share based compensation withholding obligations	0	-513	0
Net Cash From Financing Activities	23,980	108,297	83,176
Net Decrease in Cash and Cash Equivalents	-45,065	-60,701	-161,326
Cash and Cash Equivalents at Beginning of Year	119,081	179,782	341,108
Cash and Cash Equivalents at End of Year	74,016	119,081	179,782
Cash paid during the year for
Interest	7,365	15,914	11,052
Income taxes	216	43	292
Transfers to other real estate and repossessed assets	6,143	6,932	14,276
Transfer of payment plan receivables to vehicle service contract counterparty receivables	180	792	1,469
Purchase of securities available for sale and interest bearing deposits - time not yet settled	265	4,146	0
Transfers to loans held for sale	0	0	47,954
Transfers to property and equipment held for sale	0	0	13,033
Transfers to deposits held for sale	$0	$0	$403,089

ACCOUNTING_POLICIES

ACCOUNTING POLICIES	12 Months Ended
	Dec. 31, 2014
ACCOUNTING POLICIES [Abstract]
ACCOUNTING POLICIES	NOTE 1 – ACCOUNTING POLICIES
	The accounting and reporting policies and practices of Independent Bank Corporation and subsidiaries conform to accounting principles generally accepted in the United States of America and prevailing practices within the banking industry. Our critical accounting policies include the assessment for other than temporary impairment (“OTTI”) on investment securities, the determination of the allowance for loan losses, the determination of vehicle service contract counterparty contingencies, the valuation of originated mortgage loan servicing rights and the valuation of deferred tax assets. We are required to make material estimates and assumptions that are particularly susceptible to changes in the near term as we prepare the consolidated financial statements and report amounts for each of these items. Actual results may vary from these estimates.
	Our subsidiary Independent Bank (“Bank”) transacts business in the single industry of commercial banking. Our Bank’s activities cover traditional phases of commercial banking, including checking and savings accounts, commercial lending, direct and indirect consumer financing and mortgage lending. Our principal markets are the rural and suburban communities across Lower Michigan that are served by our Bank’s branches and loan production offices. We also purchase payment plans from companies (which we refer to as “counterparties”) that provide vehicle service contracts and similar products to consumers, through our wholly owned subsidiary, Mepco Finance Corporation (“Mepco”). At December 31, 2014, 72.5% of our Bank’s loan portfolio was secured by real estate.
	PRINCIPLES OF CONSOLIDATION — The consolidated financial statements include the accounts of Independent Bank Corporation and its subsidiaries. The income, expenses, assets and liabilities of the subsidiaries are included in the respective accounts of the consolidated financial statements, after elimination of all material intercompany accounts and transactions.
	STATEMENTS OF CASH FLOWS — For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits and federal funds sold. Generally, federal funds are sold for one-day periods. We report net cash flows for customer loan and deposit transactions, for short-term borrowings and for vehicle service contract counterparty payables.
	INTEREST BEARING DEPOSITS — Interest bearing deposits consist of overnight deposits with the Federal Reserve Bank.
	INTEREST BEARING DEPOSITS - TIME — Interest bearing deposits - time consist of deposits with original maturities of 3 months or more.
	LOANS HELD FOR SALE — Mortgage loans originated and intended for sale in the secondary market are carried at fair value. Fair value adjustments, as well as realized gains and losses, are recorded in current earnings.
	MORTGAGE LOAN SERVICING RIGHTS — We recognize as separate assets the rights to service mortgage loans for others. The fair value of originated mortgage loan servicing rights has been determined based upon fair value indications for similar servicing. The mortgage loan servicing rights are amortized in proportion to and over the period of estimated net loan servicing income. We assess mortgage loan servicing rights for impairment based on the fair value of those rights. For purposes of measuring impairment, the characteristics used include interest rate, term and type. Amortization of and changes in the impairment reserve on originated mortgage loan servicing rights are included in mortgage loan servicing in the Consolidated Statements of Operations. The fair values of mortgage loan servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses. Mortgage loan servicing income is recorded for fees earned for servicing loans previously sold. The fees are generally based on a contractual percentage of the outstanding principal and are recorded as income when earned. Mortgage loan servicing fees, excluding amortization of and changes in the impairment reserve on originated mortgage loan servicing rights, totaled $4.2 million, $4.3 million and $4.4 million for the years ended December 31, 2014, 2013 and 2012, respectively. Late fees and ancillary fees related to loan servicing are not material.
	TRANSFERS OF FINANCIAL ASSETS — Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from us, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and we do not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
	SECURITIES — We classify our securities as trading, held to maturity or available for sale. Trading securities are bought and held principally for the purpose of selling them in the near term and are reported at fair value with realized and unrealized gains and losses included in earnings. Securities held to maturity represent those securities for which we have the positive intent and ability to hold until maturity and are reported at cost, adjusted for amortization of premiums and accretion of discounts computed on the level-yield method. We did not have any securities held to maturity at December 31, 2014 and 2013. Securities available for sale represent those securities not classified as trading or held to maturity and are reported at fair value with unrealized gains and losses, net of applicable income taxes reported in other comprehensive income (loss).
	We evaluate securities for OTTI at least on a quarterly basis and more frequently when economic or market conditions warrant such an evaluation. In performing this evaluation, management considers (1) the length of time and extent that fair value has been less than cost, (2) the financial condition and near term prospects of the issuer, (3) the impact of changes in market interest rates on the market value of the security and (4) an assessment of whether we intend to sell, or it is more likely than not that we will be required to sell a security in an unrealized loss position before recovery of its amortized cost basis. For securities that do not meet the aforementioned recovery criteria, the amount of impairment recognized in earnings is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive income or loss. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis.
	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. Premiums and discounts are recognized in interest income computed on the level-yield method.
	FEDERAL HOME LOAN BANK (“FHLB”) STOCK — Our Bank subsidiary is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.
	FEDERAL RESERVE BANK (“FRB”) STOCK — Our Bank subsidiary is a member of its regional Federal Reserve Bank. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.
	LOAN REVENUE RECOGNITION — Interest on loans is accrued based on the principal amounts outstanding. In general, the accrual of interest income is discontinued when a loan becomes 90 days past due for commercial loans and installment loans and when a loan misses four consecutive payments for mortgage loans and the borrower’s capacity to repay the loan and collateral values appear insufficient for each loan class. However, loans may be placed on non-accrual status regardless of whether or not such loans are considered past due if, in management’s opinion, the borrower is unable to meet payment obligations as they become due or as required by regulatory provisions. All interest accrued but not received for all loans placed on non-accrual is reversed from interest income. Payments on such loans are generally applied to the principal balance until qualifying to be returned to accrual status. A non-accrual loan may be restored to accrual status when interest and principal payments are current and the loan appears otherwise collectible. Delinquency status for all classes in the commercial and installment loan segments is based on the actual number of days past due as required by the contractual terms of the loan agreement while delinquency status for mortgage loan segment classes is based on the number of payments past due.
	Certain loan fees and direct loan origination costs are deferred and recognized as an adjustment of yield generally over the contractual life of the related loan. Fees received in connection with loan commitments are deferred until the loan is advanced and are then recognized generally over the contractual life of the loan as an adjustment of yield. Fees on commitments that expire unused are recognized at expiration. Fees received for letters of credit are recognized as revenue over the life of the commitment.
	PAYMENT PLAN RECEIVABLE REVENUE RECOGNITION — Payment plan receivables are acquired by our Mepco segment at a discount and reported net of this discount in the Consolidated Statements of Financial Condition. This discount is accreted into interest and fees on loans over the life of the receivable computed on a level-yield method. All classes of payment plan receivables that have been canceled and are 90 days or more past due as required by the contractual terms of the payment plan are classified as non-accrual.
	ALLOWANCE FOR LOAN LOSSES — Portfolios are disaggregated into segments for purposes of determining the allowance for loan losses (“AFLL”) which include commercial, mortgage and installment loans and payment plan receivables. These segments are further disaggregated into classes for purposes of monitoring and assessing credit quality based on certain risk characteristics. Classes within the commercial loan segment include (i) income producing – real estate, (ii) land, land development and construction – real estate and (iii) commercial and industrial. Classes within the mortgage loan segment include (i) 1-4 family, (ii) resort lending, (iii) home equity – 1st lien and (iv) home equity – 2nd lien. Classes within the installment loan segment include (i) home equity – 1st lien, (ii) home equity – 2nd lien, (iii) loans not secured by real estate and (iv) other. Classes within the payment plan receivables segment include (i) full refund, (ii) partial refund and (iii) other. Commercial loans are subject to adverse market conditions which may impact the borrower’s ability to make repayment on the loan or could cause a decline in the value of the collateral that secures the loan. Mortgage and installment loans and payment plan receivables are subject to adverse employment conditions in the local economy which could increase default rates. In addition, mortgage loans and real estate based installment loans are subject to adverse market conditions which could cause a decline in the value of collateral that secures the loan. For an analysis of the AFLL by portfolio segment and credit quality information by class, see note #4.
	Some loans will not be repaid in full. Therefore, an AFLL is maintained at a level which represents our best estimate of losses incurred. In determining the allowance and the related provision for loan losses, we consider four principal elements: (i) specific allocations based upon probable losses identified during the review of the loan portfolio, (ii) allocations established for other adversely rated commercial loans, (iii) allocations based principally on historical loan loss experience, and (iv) additional allocations based on subjective factors, including local and general economic business factors and trends, portfolio concentrations and changes in the size and/or the general terms of the loan portfolios.
	The first AFLL element (specific allocations) reflects our estimate of probable incurred losses based upon our systematic review of specific loans. These estimates are based upon a number of objective factors, such as payment history, financial condition of the borrower, discounted collateral exposure and discounted cash flow analysis. Impaired commercial, mortgage and installment loans are allocated allowance amounts using this first element. The second AFLL element (other adversely rated commercial loans) reflects the application of our loan rating system. This rating system is similar to those employed by state and federal banking regulators. Commercial loans that are rated below a certain predetermined classification are assigned a loss allocation factor for each loan classification category that is based upon a historical analysis of both the probability of default and the expected loss rate (“loss given default”). The lower the rating assigned to a loan or category, the greater the allocation percentage that is applied. The third AFLL element (historical loss allocations) is determined by assigning allocations to higher rated (“non-watch credit”) commercial loans using a probability of default and loss given default similar to the second AFLL element and to homogenous mortgage and installment loan groups based upon borrower credit score and portfolio segment. For homogenous mortgage and installment loans a probability of default for each homogenous pool is calculated by way of credit score migration. Historical loss data for each homogenous pool coupled with the associated probability of default is utilized to calculate an expected loss allocation rate. The fourth AFLL element (additional allocations based on subjective factors) is based on factors that cannot be associated with a specific credit or loan category and reflects our attempt to ensure that the overall allowance for loan losses appropriately reflects a margin for the imprecision necessarily inherent in the estimates of expected credit losses. We consider a number of subjective factors when determining this fourth element, including local and general economic business factors and trends, portfolio concentrations and changes in the size, mix and the general terms of the overall loan portfolio.
	Increases in the AFLL are recorded by a provision for loan losses charged to expense. Although we periodically allocate portions of the AFLL to specific loans and loan portfolios, the entire AFLL is available for incurred losses. We generally charge-off commercial, homogenous residential mortgage and installment loans and payment plan receivables when they are deemed uncollectible or reach a predetermined number of days past due based on loan product, industry practice and other factors. Collection efforts may continue and recoveries may occur after a loan is charged against the AFLL.
	While we use relevant information to recognize losses on loans, additional provisions for related losses may be necessary based on changes in economic conditions, customer circumstances and other credit risk factors.
	A loan is impaired when full payment under the loan terms is not expected. Generally, those loans included in each commercial loan class that are rated substandard, classified as non-performing or were classified as non-performing in the preceding quarter, are evaluated for impairment. Those loans included in each mortgage loan or installment class whose terms have been modified and considered a troubled debt restructuring are also impaired. Loans which have been modified resulting in a concession, and which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (“TDR”) and classified as 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. Large groups of smaller balance homogeneous loans, such as those loans included in each installment and mortgage loan class and each payment plan receivable class, are collectively evaluated for impairment and accordingly, they are not separately identified for impairment disclosures. TDR loans are measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception of the loan. If a TDR is considered to be a collateral dependent loan, the loan is reported net, at the fair value of collateral.
	PROPERTY AND EQUIPMENT — Property and equipment is stated at cost less accumulated depreciation and amortization. Depreciation and amortization is computed using both straight-line and accelerated methods over the estimated useful lives of the related assets. Buildings are generally depreciated over a period not exceeding 39 years and equipment is generally depreciated over periods not exceeding 7 years. Leasehold improvements are depreciated over the shorter of their estimated useful life or lease period.
	BANK OWNED LIFE INSURANCE — We have purchased a group flexible premium non-participating variable life insurance contract on approximately 270 lives (who were salaried employees at the time we purchased the contract) in order to recover the cost of providing certain employee benefits. Bank owned life insurance is recorded at its cash surrender value or the amount that can be currently realized.
	OTHER REAL ESTATE AND REPOSSESSED ASSETS — Other real estate at the time of acquisition is recorded at fair value, less estimated costs to sell, which becomes the property’s new basis. Fair value is typically determined by a third party appraisal of the property. Any write-downs at date of acquisition are charged to the allowance for loan losses. Expense incurred in maintaining assets and subsequent write-downs to reflect declines in value and gains or losses on the sale of other real estate are recorded in the Consolidated Statements of Operations. Non-real estate repossessed assets are treated in a similar manner.
	OTHER INTANGIBLE ASSETS — Other intangible assets consist of core deposits. They are initially measured at fair value and then are amortized on both straight-line and accelerated methods over their estimated useful lives, which range from 10 to 15 years.
	VEHICLE SERVICE CONTRACT COUNTERPARTY RECEIVABLES, NET — These amounts represent funds due to Mepco from its counterparties for cancelled service contracts. 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.
	INCOME TAXES — We employ the asset and liability method of accounting for income taxes. This method establishes deferred tax assets and liabilities for the temporary differences between the financial reporting basis and the tax basis of our assets and liabilities at tax rates expected to be in effect when such amounts are realized or settled. Under this method, the effect of a change in tax rates is recognized in the period that includes the enactment date. The deferred tax asset is subject to a valuation allowance for that portion of the asset for which it is more likely than not that it will not be realized.
	A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.
	We recognize interest and/or penalties related to income tax matters in income tax expense.
	We file a consolidated federal income tax return. Intercompany tax liabilities are settled as if each subsidiary filed a separate return.
	VEHICLE SERVICE CONTRACT COUNTERPARTY PAYABLES — Vehicle service contract counterparty payables represent amounts owed to insurance companies or other counterparties for vehicle service contract payment plans purchased by us. The vehicle service contract counterparty payable becomes due in accordance with the terms of the specific contract between Mepco and the counterparty. Typically these terms require payment after Mepco has received one or two payments from the consumer on the payment plan receivable.
	COMMITMENTS  TO  EXTEND  CREDIT  AND  RELATED  FINANCIAL  INSTRUMENTS  — Financial instruments may include commitments to extend credit and standby letters of credit. Financial instruments involve varying degrees of credit and interest-rate risk in excess of amounts reflected in the Consolidated Statements of Financial Condition. Exposure to credit risk in the event of non-performance by the counterparties to the financial instruments for loan commitments to extend credit and letters of credit is represented by the contractual amounts of those instruments. In general, we use a similar methodology to estimate our liability for these off-balance sheet credit exposures as we do for our allowance for loan losses. For commercial related commitments, we estimate liability using our loan rating system and for mortgage and installment commitments we estimate liability principally upon historical loss experience. Our estimated liability for off balance sheet commitments is included in accrued expenses and other liabilities in our Consolidated Statements of Financial Condition and any charge or recovery is recorded in non-interest expenses in our Consolidated Statements of Operations.
	DERIVATIVE FINANCIAL INSTRUMENTS — We record derivatives on our Consolidated Statement 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.
	At the inception of the derivative we designate the derivative as one of three types based on our intention and belief as to likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“Fair Value Hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“Cash Flow Hedge”), or (3) an instrument with no hedging designation. For a Fair Value Hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in current earnings as fair values change. For a Cash Flow Hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. We did not have any Fair Value Hedges or Cash Flow Hedges at December 31, 2014 or 2013. For both types of hedges, changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. For instruments with no hedging designation, the gain or loss on the derivative is reported currently in earnings. These free standing instruments currently consist of (i) mortgage banking related derivatives and include rate-lock loan commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and mandatory forward commitments for the future delivery of these mortgage loans and (ii) certain pay-fixed and pay-variable interest rate swap agreements. Fair values of the mortgage derivatives are estimated based on mortgage backed security pricing for comparable assets. We enter into mandatory forward commitments for the future delivery of mortgage loans generally when interest rate locks are entered into in order to hedge the change in interest rates resulting from our commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on mortgage loans.  Fair values of the pay-fixed and pay-variable interest rate swap agreements are based on discounted cash flow analyses and are included in net interest income.
	Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest expense. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in non-interest income (mortgage banking related derivatives) or net interest income (interest rate swap agreements). Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged.
	We formally document the relationship between derivatives and hedged items, as well as the risk- management objective and the strategy for undertaking hedge transactions, at the inception of the hedging relationship. This documentation includes linking Fair Value or Cash Flow Hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. We also assess, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair values or cash flows of the hedged items. We discontinue hedge accounting when it is determined that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended.
	When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded currently in earnings. When a fair value hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive loss are amortized into earnings over the same periods which the hedged transactions will affect earnings.
	COMPREHENSIVE INCOME — Comprehensive income consists of net income, unrealized gains and losses on securities available for sale and derivative instruments classified as cash flow hedges.
	INCOME PER COMMON SHARE — Basic income per common share is computed by dividing net income applicable to common stock by the weighted average number of common shares outstanding during the period and participating share awards. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. For diluted income per common share, net income is divided by the weighted average number of common shares outstanding during the period plus the dilutive effects of the assumed conversion of convertible preferred stock, assumed exercise of common stock warrants, assumed exercise of stock options, restricted stock units and stock units for a deferred compensation plan for non-employee directors.
	SHARE BASED COMPENSATION — Cost is recognized for stock options and non-vested share awards issued to employees based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, a simulation analysis which considers potential outcomes for a large number of independent scenarios is utilized to estimate the fair value of performance share units and the market price of our common stock at the date of grant is used for other non-vested share awards.  Cost is recognized over the required service period, generally defined as the vesting period. Cost is also recognized for salary stock issued to employees and stock issued to non-employee directors. These shares vest immediately and cost is recognized during the period they are issued.
	COMMON STOCK — At December 31, 2014, 0.1 million shares of common stock were reserved for issuance under the dividend reinvestment plan and 0.7 million shares of common stock were reserved for issuance under our long-term incentive plans.
	RECLASSIFICATION — Certain amounts in the 2013 and 2012 consolidated financial statements have been reclassified to conform to the 2014 presentation.
	ADOPTION OF NEW ACCOUNTING STANDARDS — In July 2013, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2013-11, “Income Taxes (Topic 740), Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists”.  This ASU amends existing guidance so that an unrecognized tax benefit, or a portion thereof, be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except to the extent that a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date to settle any additional income taxes that would result from disallowance of a tax position, or the tax law does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, then the unrecognized tax benefit should be presented as a liability.  This amended guidance became effective for us on January 1, 2014, and did not have a material impact on our consolidated operating results or financial condition.
	In January 2014, the FASB issued ASU 2014-04, “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure”. The amendments in this ASU clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. This amendment is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014, with early adoption and retrospective or prospective application permitted. This amendment is not expected to have a material impact on our consolidated operating results or financial condition.
	In May 2014, the FASB issued ASU 2014-09, “Revenue from Contracts with Customers (Topic 606)”. This ASU supersedes and replaces nearly all existing revenue recognition guidance, including industry-specific guidance, establishes a new control-based revenue recognition model, changes the basis for deciding when revenue is recognized over time or at a point in time, provides new and more detailed guidance on specific topics and expands and improves disclosures about revenue. In addition, this ASU specifies the accounting for some costs to obtain or fulfill a contract with a customer.  This amended guidance is effective for us on January 1, 2017, and is not expected to have a material impact on our consolidated operating results or financial condition.
	In June 2014, the FASB issued ASU 2014-12, “Compensation – Stock Compensation (Topic 718) – Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved After the Requisite Service Period”.  This ASU amends existing guidance related to the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. These amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition.  The total amount of compensation cost recognized during and after the requisite service period should reflect the number of awards that are expected to vest and should be adjusted to reflect those awards that ultimately vest. The requisite service period ends when the employee can cease rendering service and still be eligible to vest in the award if the performance target is achieved. This amended guidance is effective for us on January 1, 2016, and is not expected to have a material impact on our consolidated operating results or financial condition.

RESTRICTIONS_ON_CASH_AND_DUE_F

RESTRICTIONS ON CASH AND DUE FROM BANKS	12 Months Ended
	Dec. 31, 2014
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]
RESTRICTIONS ON CASH AND DUE FROM BANKS	NOTE 2 – RESTRICTIONS ON CASH AND DUE FROM BANKS
	Our Bank is required to maintain reserve balances in the form of vault cash and non-interest earning balances with the FRB. The average reserve balances to be maintained during 2014 and 2013 were $15.3 million and $24.5 million, respectively. We do not maintain compensating balances with correspondent banks. We are also required to maintain reserve balances related primarily to our merchant payment processing operations and for certain investment security transactions. These balances are held at unrelated financial institutions and totaled $2.8 million and $2.4 million at December 31, 2014 and 2013, respectively.

SECURITIES

SECURITIES	12 Months Ended
	Dec. 31, 2014
SECURITIES [Abstract]
SECURITIES	NOTE 3 – SECURITIES
	Securities available for sale consist of the following at December 31:
			Amortized		Unrealized
			Cost		Gains			Losses		Fair Value
			(In thousands)
	2014
	U.S. agency		$	34,936	$	133		$	63	$	35,006
	U.S. agency residential mortgage-backed			256,387		1,838			667		257,558
	U.S. agency commercial mortgage-backed			33,779		68			119		33,728
	Private label residential mortgage-backed			6,216		187			390		6,013
	Other asset backed			32,314		77			38		32,353
	Obligations of states and political subdivisions			143,698		961			1,244		143,415
	Corporate			22,690		53			79		22,664
	Trust preferred			2,910		-			469		2,441
	Total		$	532,930	$	3,317		$	3,069	$	533,178
	2013
	U.S. agency		$	32,106	$	44		$	342	$	31,808
	U.S. agency residential mortgage-backed			202,649		1,343			532		203,460
	Private label residential mortgage-backed			7,294		112			618		6,788
	Other asset backed			45,369		10			194		45,185
	Obligations of states and political subdivisions			157,966		496			4,784		153,678
	Corporate			19,120		43			26		19,137
	Trust preferred			2,902		-			477		2,425
	Total		$	467,406	$	2,048		$	6,973	$	462,481
	Total OTTI recognized in accumulated other comprehensive loss for securities available for sale was zero and $0.2 million at December 31, 2014 and 2013, respectively.
	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, at December 31 follows:
			Less Than Twelve Months					Twelve Months or More					Total
					Unrealized					Unrealized					Unrealized
			Fair Value		Losses			Fair Value		Losses			Fair Value		Losses
			(In thousands)
	2014
	U.S. agency		$	12,851	$	58		$	606	$	5		$	13,457	$	63
	U.S. agency residential mortgage-backed			89,547		531			15,793		136			105,340		667
	U.S. agency commercial mortgage-backed			21,325		119			-		-			21,325		119
	Private label residential mortgage-backed			208		1			4,013		389			4,221		390
	Other asset backed			2,960		15			8,729		23			11,689		38
	Obligations of states and political subdivisions			28,114		106			37,540		1,138			65,654		1,244
	Corporate			8,660		79			-		-			8,660		79
	Trust preferred			-		-			2,441		469			2,441		469
	Total		$	163,665	$	909		$	69,122	$	2,160		$	232,787	$	3,069
	2013
	U.S. agency		$	16,715	$	342		$	-	$	-		$	16,715	$	342
	U.S. agency residential mortgage-backed			78,256		532			-		-			78,256		532
	Private label residential mortgage-backed			407		6			4,602		612			5,009		618
	Other asset backed			33,862		194			-		-			33,862		194
	Obligations of states and			103,942		4,645			4,805		139			108,747		4,784
	Corporate			7,105		26			-		-			7,105		26
	Trust preferred			-		-			2,425		477			2,425		477
	Total		$	240,287	$	5,745		$	11,832	$	1,228		$	252,119	$	6,973
	Our portfolio of available-for-sale securities is reviewed quarterly for impairment in value. In performing this review, management considers (1) the length of time and extent that fair value has been less than cost, (2) the financial condition and near term prospects of the issuer, (3) the impact of changes in market interest rates on the market value of the security and (4) an assessment of whether we intend to sell, or it is more likely than not that we will be required to sell a security in an unrealized loss position before recovery of its amortized cost basis. For securities that do not meet the aforementioned recovery criteria, the amount of impairment recognized in earnings is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive income or loss.
	U.S. agency, U.S. agency residential mortgage-backed securities and U.S. agency commercial mortgage backed securities — at December 31, 2014, we had 17 U.S. agency, 72 U.S. agency residential mortgage-backed and 19 U.S. agency commercial mortgage-backed securities whose fair market value is less than amortized cost. The unrealized losses are largely attributed to rises in term interest rates 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 residential mortgage backed securities — at December 31, 2014, we had five of this type of security whose fair value is less than amortized cost. Two of the five issues are rated by a major rating agency as investment grade, two are rated below investment grade and one is split rated. Two of these bonds have an impairment in excess of 10% and four of these holdings have been impaired for more than 12 months.  The unrealized losses are largely attributable to credit spread widening on these securities since their acquisition.
	All of these 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.
	All private label residential mortgage-backed securities are reviewed for OTTI utilizing a cash flow projection. The cash flow analysis forecasts cash flow from the underlying loans in each transaction and then applies these cash flows to the bonds in the securitization.  Our cash flow analysis forecasts complete recovery of our cost basis for four of the five securities whose fair value is less than amortized cost while the fifth security had credit related OTTI and is discussed in further detail below.
	As management does not intend to liquidate these securities and it is more likely than not that we will not be required to sell these securities prior to recovery of these unrealized losses, no other declines discussed above are deemed to be other than temporary.
	Other asset backed — at December 31, 2014, we had nine other asset backed securities whose fair value is less than amortized cost. The unrealized losses are primarily due to widening discount margins.  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 December 31, 2014, we had 96 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 December 31, 2014, we had 11 corporate securities whose fair value is less than amortized cost. The unrealized losses are primarily due to credit spread widening.  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 December 31, 2014, 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 over the past several years has suffered from credit spread widening fueled by uncertainty regarding potential losses of financial companies and repricing of risk related to these hybrid capital securities.
	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 December 31, 2014, continues to have satisfactory credit metrics and make interest payments.
	The following table breaks out our trust preferred securities in further detail as of December 31:
			2014					2013
					Net					Net
			Fair		Unrealized			Fair		Unrealized
		Value		Loss			Value		Loss
		(In thousands)
Trust preferred securities
Rated issues		$	1,643	$	(267	)	$	1,600	$	(302	)
Unrated issues			798		(202	)		825		(175	)
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.
During 2014, 2013 and 2012, we recorded in earnings credit related OTTI charges on securities available for sale of $0.01 million, $0.03 million and $0.3 million, respectively.
At December 31, 2014, three private label residential mortgage-backed securities had credit related OTTI and are summarized as follows:
				Super			Senior
		Senior		Senior			Support
		Security		Security			Security		Total
		(In thousands)
As of December 31, 2014
Fair value		$	2,164	$	1,566		$	97	$	3,827
Amortized cost			2,207		1,476			-		3,683
Non-credit unrealized loss			43		-			-		43
Unrealized gain			-		90			97		187
Cumulative credit related OTTI			757		457			380		1,594
Credit related OTTI recognized in our Consolidated Statements of Operations
For the years ended December 31,
2014		$	9	$	-		$	-	$	9
2013			26		-			-		26
2012			247		32			60		339
Each of these securities is receiving principal and interest payments similar to principal reductions in the underlying collateral.  Two of these securities have unrealized gains and one has an unrealized loss at December 31, 2014.  Prior to the second quarter of 2013, all three of these securities had an unrealized loss.  The original amortized cost for each of these securities has been permanently adjusted downward for previously recorded credit related OTTI.  The unrealized loss (based on original amortized cost) for two of these securities is now less than previously recorded credit related OTTI amounts.  The remaining non-credit related unrealized loss in the senior security is attributed to other factors and is reflected in other comprehensive income during those same periods.
A roll forward of credit losses recognized in earnings on securities available for sale for the years ending December 31 follow:
		2014		2013			2012
		(In thousands)
Balance at beginning of year		$	1,835	$	1,809		$	1,470
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			9		26			339
Total		$	1,844	$	1,835		$	1,809
The amortized cost and fair value of securities available for sale at December 31, 2014, by contractual maturity, follow:
		Amortized		Fair
		Cost		Value
		(In thousands)
Maturing within one year		$	25,427	$	25,479
Maturing after one year but within five years			66,532		66,666
Maturing after five years but within ten years			41,651		41,780
Maturing after ten years			70,624		69,601
			204,234		203,526
U.S. agency residential mortgage-backed			256,387		257,558
U.S. agency commercial mortgage-backed			33,779		33,728
Private label residential mortgage-backed			6,216		6,013
Other asset backed			32,314		32,353
Total		$	532,930	$	533,178
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.
A summary of proceeds from the sale of securities available for sale and gains and losses for the years ended December 31 follow:
				Realized
		Proceeds		Gains(1)			Losses(2)
		(In thousands)
2014		$	14,633	$	329		$	-
2013			2,940		15			8
2012			37,176		1,193			-
-1	Gains in 2014 exclude $0.3 million of realized gain related to a U.S. Treasury short position.
-2	Losses in 2014, 2013 and 2012 exclude $0.01 million, $0.03 million and $0.3 million, respectively of credit related OTTI recognized in earnings.
During 2014, 2013 and 2012, our trading securities consisted of various preferred stocks. During each of those years, we recognized gains (losses) on trading securities of $(0.30) million, $0.39 million and $0.03 million, respectively, that are included in net gains on securities in the Consolidated Statements of Operations. All of these amounts relate to gains (losses) recognized on trading securities still held at December 31, 2014 and 2013.
Securities with a book value of $1.1 million and $10.7 million at December 31, 2014 and 2013, respectively, were pledged to secure borrowings, derivatives, public deposits and for other purposes as required by law. There were no investment obligations of state and political subdivisions that were payable from or secured by the same source of revenue or taxing authority that exceeded 10% of consolidated shareholders’ equity at December 31, 2014 or 2013.

LOANS_AND_PAYMENT_PLAN_RECEIVA

LOANS AND PAYMENT PLAN RECEIVABLES	12 Months Ended
	Dec. 31, 2014
LOANS AND PAYMENT PLAN RECEIVABLES [Abstract]
LOANS AND PAYMENT PLAN RECEIVABLES	NOTE 4 – LOANS AND PAYMENT PLAN RECEIVABLES
	Our loan portfolios at December 31 follow:
			2014				2013
			(In thousands)
	Real estate(1)
	Residential first mortgages		$	411,423			$	431,812
	Residential home equity and other junior mortgages			108,162				113,703
	Construction and land development			54,644				50,290
	Other(2)			447,837				440,348
	Commercial			186,875				146,954
	Consumer			154,591				126,443
	Payment plan receivables			40,001				60,638
	Agricultural			6,429				4,382
	Total loans		$	1,409,962			$	1,374,570
	-1	Includes both residential and non-residential commercial loans secured by real estate.
	-2	Includes loans secured by multi-family residential and non-farm, non-residential property.
	Loans include net deferred loan costs of $1.0 million and $0.2 million at December 31, 2014 and 2013, respectively. Payment plan receivables totaling $42.6 million and $64.7 million at December 31, 2014 and 2013, respectively, are presented net of unamortized discount of $2.6 million and $4.1 million at December 31, 2014 and 2013, respectively. These payment plan receivables had effective yields of 14% and 15% at December 31, 2014 and 2013, respectively. These receivables have various due dates through December 2016.
	An analysis of the allowance for loan losses by portfolio segment for the years ended December 31 follows:
															Payment
															Plan
			Commercial				Mortgage				Installment				Receivables				Unallocated			Total
			(In thousands)
	2014
	Balance at beginning of period		$	6,827			$	17,195			$	2,246			$	97			$	5,960		$	32,325
	Additions (deductions)
	Provision for loan losses			(1,683	)			(1,029	)			349				(36	)			(737	)		(3,136	)
	Recoveries credited to allowance			4,914				1,397				1,104				5				-			7,420
	Loans charged against the allowance			(4,613	)			(4,119	)			(1,885	)			(2	)			-			(10,619	)
	Balance at end of period		$	5,445			$	13,444			$	1,814			$	64			$	5,223		$	25,990
	2013
	Balance at beginning of period		$	11,402			$	21,447			$	3,378			$	144			$	7,904		$	44,275
	Additions (deductions)
	Provision for loan losses			(2,336	)			71				314				(93	)			(1,944	)		(3,988	)
	Recoveries credited to allowance			5,119				1,996				1,074				81				-			8,270
	Loans charged against the allowance			(7,358	)			(6,319	)			(2,520	)			(35	)			-			(16,232	)
	Balance at end of period		$	6,827			$	17,195			$	2,246			$	97			$	5,960		$	32,325
	2012
	Balance at beginning of period		$	18,183			$	22,885			$	6,146			$	197			$	11,473		$	58,884
	Additions (deductions)
	Provision for loan losses			2,351				7,778				15				(3	)			(3,254	)		6,887
	Recoveries credited to allowance			3,610				1,581				1,311				20				-			6,522
	Loans charged against the allowance			(12,588	)			(10,741	)			(4,009	)			(70	)			-			(27,408	)
	Reclassification to loans held for sale			(154	)			(56	)			(85	)			-				(315	)		(610	)
	Balance at end of period		$	11,402			$	21,447			$	3,378			$	144			$	7,904		$	44,275
	Allowance for loan losses and recorded investment in loans by portfolio segment follows:
															Payment
															Plan
			Commercial				Mortgage				Installment				Receivables				Unallocated			Total
			(In thousands)
	2014
	Allowance for loan losses:
	Individually evaluated for impairment		$	3,194			$	9,311			$	728			$	-			$	-		$	13,233
	Collectively evaluated for impairment			2,251				4,133				1,086				64				5,223			12,757
	Total ending allowance balance		$	5,445			$	13,444			$	1,814			$	64			$	5,223		$	25,990
	Loans
	Individually evaluated for impairment		$	34,147			$	72,340			$	6,679			$	-						$	113,166
	Collectively evaluated for impairment			658,423				402,458				200,368				40,001							1,301,250
	Total loans recorded investment			692,570				474,798				207,047				40,001							1,414,416
	Accrued interest included in recorded investment			1,615				2,170				669				-							4,454
	Total loans		$	690,955			$	472,628			$	206,378			$	40,001						$	1,409,962
	2013
	Allowance for loan losses:
	Individually evaluated for impairment		$	3,878			$	10,488			$	792			$	-			$	-		$	15,158
	Collectively evaluated for impairment			2,949				6,707				1,454				97				5,960			17,167
Total ending allowance balance		$	6,827			$	17,195			$	2,246			$	97			$	5,960		$	32,325
Loans
Individually evaluated for impairment		$	40,623			$	78,022			$	7,068			$	-						$	125,713
Collectively evaluated for impairment			596,235				410,887				185,676				60,638							1,253,436
Total loans recorded investment			636,858				488,909				192,744				60,638							1,379,149
Accrued interest included in recorded investment			1,624				2,276				679				-							4,579
Total loans		$	635,234			$	486,633			$	192,065			$	60,638						$	1,374,570
Non-performing loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. If these loans had continued to accrue interest in accordance with their original terms, approximately $0.8 million, $1.2 million, and $2.3 million of interest income would have been recognized in 2014, 2013 and 2012, respectively. Interest income recorded on these loans was approximately zero during the year ended 2014 and $0.1 million in each of the years ended 2013 and 2012, respectively.
Loans on non-accrual status and past due more than 90 days (“Non-performing Loans”) at December 31 follow:
		90+ and								Total Non-
		Still				Non-				Performing
		Accruing				Accrual				Loans
		(In thousands)
2014
Commercial
Income producing - real estate		$	-			$	1,233			$	1,233
Land, land development and construction - real estate			-				594				594
Commercial and industrial			-				2,746				2,746
Mortgage
1-4 family			7				5,945				5,952
Resort lending			-				2,168				2,168
Home equity - 1st lien			-				331				331
Home equity - 2nd lien			-				605				605
Installment
Home equity - 1st lien			-				576				576
Home equity - 2nd lien			-				517				517
Loans not secured by real estate			-				454				454
Other			-				48				48
Payment plan receivables
Full refund			-				2				2
Partial refund			-				12				12
Other			-				-				-
Total recorded investment		$	7			$	15,231			$	15,238
Accrued interest included in recorded investment		$	-			$	-			$	-
2013
Commercial
Income producing - real estate		$	-			$	1,899			$	1,899
Land, land development and construction - real estate			-				1,036				1,036
Commercial and industrial			-				2,434				2,434
Mortgage
1-4 family			-				6,594				6,594
Resort lending			-				2,668				2,668
Home equity - 1st lien			-				415				415
Home equity - 2nd lien			-				689				689
Installment
Home equity - 1st lien			-				938				938
Home equity - 2nd lien			-				571				571
Loans not secured by real estate			-				638				638
Other			-				-				-
Payment plan receivables
Full refund			-				20				20
Partial refund			-				3				3
Other			-				-				-
Total recorded investment		$	-			$	17,905			$	17,905
Accrued interest included in recorded investment		$	-			$	-			$	-
An aging analysis of loans by class at December 31 follows:
		Loans Past Due																Loans not			Total
		30-59 days				60-89 days				90+ days				Total				Past Due			Loans
		(In thousands)
2014
Commercial
Income producing - real estate		$	89			$	-			$	214			$	303			$	252,763		$	253,066
Land, land development and construction - real estate			131				-				223				354				33,984			34,338
Commercial and industrial			2,391				279				209				2,879				402,287			405,166
Mortgage
1-4 family			1,877				1,638				5,952				9,467				269,719			279,186
Resort lending			226				-				2,168				2,394				126,342			128,736
Home equity - 1st lien			39				50				331				420				19,782			20,202
Home equity - 2nd lien			711				89				605				1,405				45,269			46,674
Installment
Home equity - 1st lien			466				37				576				1,079				20,995			22,074
Home equity - 2nd lien			369				81				517				967				28,125			29,092
Loans not secured by real estate			589				231				454				1,274				152,115			153,389
Other			15				3				48				66				2,426			2,492
Payment plan receivables
Full refund			838				214				2				1,054				26,799			27,853
Partial refund			409				123				12				544				6,550			7,094
Other			96				24				-				120				4,934			5,054
Total recorded investment		$	8,246			$	2,769			$	11,311			$	22,326			$	1,392,090		$	1,414,416
Accrued interest included in recorded investment		$	55			$	29			$	-			$	84			$	4,370		$	4,454
2013
Commercial
Income producing - real estate		$	1,014			$	428			$	878			$	2,320			$	249,313		$	251,633
Land, land development and construction - real estate			781				129				256				1,166				30,670			31,836
Commercial and industrial			1,155				1,665				318				3,138				350,251			353,389
Mortgage
1-4 family			3,750				224				6,594				10,568				270,855			281,423
Resort lending			698				234				2,668				3,600				142,356			145,956
Home equity - 1st lien			172				-				415				587				18,214			18,801
Home equity - 2nd lien			663				73				689				1,425				41,304			42,729
Installment
Home equity - 1st lien			557				134				938				1,629				25,513			27,142
Home equity - 2nd lien			536				136				571				1,243				36,701			37,944
Loans not secured by real estate			833				281				638				1,752				123,295			125,047
Other			22				12				-				34				2,577			2,611
Payment plan receivables
Full refund			1,364				349				20				1,733				46,344			48,077
Partial refund			190				20				3				213				4,840			5,053
Other			122				4				-				126				7,382			7,508
Total recorded investment		$	11,857			$	3,689			$	13,988			$	29,534			$	1,349,615		$	1,379,149
Accrued interest included in recorded investment		$	100			$	26			$	-			$	126			$	4,453		$	4,579
Impaired loans are as follows :
		December 31,
		2014				2013
Impaired loans with no allocated allowance		(In thousands)
TDR		$	9,325			$	13,006
Non - TDR			299				334
Impaired loans with an allocated allowance
TDR - allowance based on collateral			5,879				10,085
TDR - allowance based on present value cash flow			94,970				101,131
Non - TDR - allowance based on collateral			2,296				688
Non - TDR - allowance based on present value cash flow			-				-
Total impaired loans		$	112,769			$	125,244
Amount of allowance for loan losses allocated
TDR - allowance based on collateral		$	2,025			$	3,127
TDR - allowance based on present value cash flow			10,188				11,777
Non - TDR - allowance based on collateral			1,020				254
Non - TDR - allowance based on present value cash flow			-				-
Total amount of allowance for loan losses allocated		$	13,233			$	15,158
During the second quarter of 2013, we sold certain commercial watch, substandard and non-performing loans as follows:
		(In thousands)
Income producing - real estate		$	4,570
Land, land development and construction - real estate			401
Commercial and industrial			3,630
Total		$	8,601
Impaired loans by class as of December 31 are as follows (1):
		2014												2013
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal			Related
		Investment				Balance				Allowance				Investment				Balance			Allowance
With no related allowance recorded:		(In thousands)
Commercial
Income producing - real estate		$	5,868			$	6,077			$	-			$	7,042			$	7,178		$	-
Land, land development & construction-real estate			1,051				1,606				-				2,185				3,217			-
Commercial and industrial			2,685				2,667				-				4,110				4,087			-
Mortgage
1-4 family			-				49				-				8				8			-
Resort lending			48				397				-				35				163			-
Home equity - 1st lien			-				-				-				-				-			-
Home equity - 2nd lien			-				-				-				-				-			-
Installment
Home equity - 1st lien			-				40				-				-				-			-
Home equity - 2nd lien			-				-				-				-				-			-
Loans not secured by real estate			-				-				-				-				-			-
Other			-				-				-				-				-			-
			9,652				10,836				-				13,380				14,653			-
With an allowance recorded:
Commercial
Income producing - real estate			12,836				13,797				689				14,538				15,631			1,161
Land, land development & construction-real estate			3,456				3,528				499				3,366				4,130			686
Commercial and industrial			8,251				8,486				2,006				9,382				9,529			2,031
Mortgage
1-4 family			53,206				56,063				6,195				57,612				60,768			7,236
Resort lending			18,799				18,963				3,075				20,171				20,608			3,221
Home equity - 1st lien			162				177				14				154				164			11
Home equity - 2nd lien			125				205				27				42				118			20
Installment
Home equity - 1st lien			2,744				2,930				219				2,959				3,115			254
Home equity - 2nd lien			3,212				3,215				419				3,352				3,347			462
Loans not secured by real estate			711				835				89				741				902			75
Other			12				12				1				16				16			1
			103,514				108,211				13,233				112,333				118,328			15,158
Total
Commercial
Income producing - real estate			18,704				19,874				689				21,580				22,809			1,161
Land, land development & construction-real estate			4,507				5,134				499				5,551				7,347			686
Commercial and industrial			10,936				11,153				2,006				13,492				13,616			2,031
Mortgage
1-4 family			53,206				56,112				6,195				57,620				60,776			7,236
Resort lending			18,847				19,360				3,075				20,206				20,771			3,221
Home equity - 1st lien			162				177				14				154				164			11
Home equity - 2nd lien			125				205				27				42				118			20
Installment
Home equity - 1st lien			2,744				2,970				219				2,959				3,115			254
Home equity - 2nd lien			3,212				3,215				419				3,352				3,347			462
Loans not secured by real estate			711				835				89				741				902			75
Other			12				12				1				16				16			1
Total		$	113,166			$	119,047			$	13,233			$	125,713			$	132,981		$	15,158
Accrued interest included in recorded investment		$	397											$	469
(1) There were no impaired payment plan receivables at December 31, 2014 or 2013.
Average recorded investment in and interest income earned on impaired loans by class for the years ended December 31 follows (1):
		2014								2013								2012
		Average				Interest				Average				Interest				Average			Interest
		Recorded				Income				Recorded				Income				Recorded			Income
		Investment				Recognized				Investment				Recognized				Investment			Recognized
With no related allowance recorded:		(In thousands)
Commercial
Income producing - real estate		$	7,660			$	250			$	5,765			$	340			$	2,981		$	166
Land, land development & construction-real estate			1,145				64				3,092				240				2,549			150
Commercial and industrial			3,351				152				3,980				226				3,526			246
Mortgage
1-4 family			29				-				5				11				290			-
Resort lending			40				1				28				-				222			-
Home equity - 1st lien			-				-				-				-				-			-
Home equity - 2nd lien			-				-				-				-				-			-
Installment
Home equity - 1st lien			-				2				1,604				83				1,961			97
Home equity - 2nd lien			-				-				1,841				96				2,093			111
Loans not secured by real estate			-				-				470				23				549			30
Other			-				-				15				1				22			2
			12,225				469				16,800				1,020				14,193			802
With an allowance recorded:
Commercial
Income producing - real estate			12,772				677				18,164				587				23,508			571
Land, land development & construction-real estate			3,939				149				6,186				149				10,305			183
Commercial and industrial			8,500				294				11,795				457				17,828			467
Mortgage
1-4 family			55,877				2,286				60,858				2,622				66,195			2,852
Resort lending			19,458				753				21,708				836				24,286			1,000
Home equity - 1st lien			160				6				136				4				65			2
Home equity - 2nd lien			57				2				42				2				81			3
Installment
Home equity - 1st lien			2,837				174				1,448				85				1,432			50
Home equity - 2nd lien			3,359				188				1,546				86				1,325			51
Loans not secured by real estate			719				35				314				17				221			10
Other			14				1				3				1				-			-
			107,692				4,565				122,200				4,846				145,246			5,189
Total
Commercial
Income producing - real estate			20,432				927				23,929				927				26,489			737
Land, land development & construction-real estate			5,084				213				9,278				389				12,854			333
Commercial and industrial			11,851				446				15,775				683				21,354			713
Mortgage
1-4 family			55,906				2,286				60,863				2,633				66,485			2,852
Resort lending			19,498				754				21,736				836				24,508			1,000
Home equity - 1st lien			160				6				136				4				65			2
Home equity - 2nd lien			57				2				42				2				81			3
Installment
Home equity - 1st lien			2,837				176				3,052				168				3,393			147
Home equity - 2nd lien			3,359				188				3,387				182				3,418			162
Loans not secured by real estate			719				35				784				40				770			40
Other			14				1				18				2				22			2
Total		$	119,917			$	5,034			$	139,000			$	5,866			$	159,439		$	5,991
-1	There were no impaired payment plan receivables during the years ending December 31, 2014, 2013 and 2012.
Our average investment in impaired loans was approximately $119.9 million, $139.0 million and $159.4 million in 2014, 2013 and 2012, respectively. Cash receipts on impaired loans on non-accrual status are generally applied to the principal balance. Interest income recognized on impaired loans was approximately $5.0 million, $5.9 million and $6.0 million in 2014, 2013 and 2012, respectively, of which the majority of these amounts were received in cash.
Troubled debt restructurings at December 31 follow:
		2014
		Commercial				Retail				Total
		(In thousands)
Performing TDR's		$	29,475			$	73,496			$	102,971
Non-performing TDR's(1)			1,978				5,225	(2)			7,203
Total		$	31,453			$	78,721			$	110,174
		2013
		Commercial				Retail				Total
		(In thousands)
Performing TDR's		$	35,134			$	79,753			$	114,887
Non-performing TDR's(1)			4,347				4,988	(2)			9,335
Total		$	39,481			$	84,741			$	124,222
-1	Included in non-performing loans table above.
-2	Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.
We have allocated $12.2 million and $14.9 million of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 2014 and 2013, respectively. We have committed to lend additional amounts totaling up to $0.04 million and $0.17 million as of December 31, 2014 and 2013, respectively, to customers with outstanding loans that are classified as troubled debt restructurings.
The terms of certain loans were modified as troubled debt restructurings and 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 60 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 70 months but have extended to as much as 240 months in certain circumstances.
Loans that have been classified as troubled debt restructurings during the three years ended December 31 follow:
						Pre-modification				Post-modification
		Number of				Recorded				Recorded
		Contracts				Balance				Balance
2014		(Dollars in thousands)
Commercial
Income producing - real estate			4			$	426			$	389
Land, land development & construction-real estate			2				55				44
Commercial and industrial			13				2,236				1,606
Mortgage
1-4 family			15				1,576				1,570
Resort lending			6				1,583				1,572
Home equity - 1st lien			1				17				14
Home equity - 2nd lien			1				85				84
Installment
Home equity - 1st lien			13				631				523
Home equity - 2nd lien			9				400				400
Loans not secured by real estate			6				114				106
Other			-				-				-
Total			70			$	7,123			$	6,308
2013
Commercial
Income producing - real estate			6			$	4,798			$	3,869
Land, land development & construction-real estate			1				16				-
Commercial and industrial			23				2,522				1,901
Mortgage
1-4 family			20				1,968				1,995
Resort lending			5				1,240				1,231
Home equity - 1st lien			1				95				97
Home equity - 2nd lien			-				-				-
Installment
Home equity - 1st lien			25				659				657
Home equity - 2nd lien			16				508				508
Loans not secured by real estate			5				149				110
Other			-				-				-
Total			102			$	11,955			$	10,368
2012
Commercial
Income producing - real estate			20			$	9,464			$	8,568
Land, land development & construction-real estate			9				4,800				4,858
Commercial and industrial			50				9,951				7,905
Mortgage
1-4 family			66				8,900				8,488
Resort lending			31				7,750				7,514
Home equity - 1st lien			1				15				-
Home equity - 2nd lien			-				-				-
Installment
Home equity - 1st lien			18				666				632
Home equity - 2nd lien			24				784				768
Loans not secured by real estate			13				325				304
Other			-				-				-
Total			232			$	42,655			$	39,037
The troubled debt restructurings described above increased (decreased) the allowance for loan losses by $0.2 million, $(0.3) million and $1.6 million during the years ended December 31, 2014, 2013 and 2012, respectively and resulted in charge offs of $0.04 million, $0.5 million and $1.0 million during the years ended December 31, 2014, 2013 and 2012, respectively.
Loans that have been classified as troubled debt restructured during the past twelve months and that have subsequently defaulted during the years ended December 31 follows:
		Number of				Recorded
		Contracts				Balance
2014		(Dollars in thousands)
Commercial
Income producing - real estate			-			$	-
Land, land development & construction-real estate			-				-
Commercial and industrial			2				319
Mortgage
1-4 family			1				125
Resort lending			-				-
Home equity - 1st lien			-				-
Home equity - 2nd lien			-				-
Installment
Home equity - 1st lien			-				-
Home equity - 2nd lien			-				-
Loans not secured by real estate			-				-
Other			-				-
Total			3			$	444
2013
Commercial
Income producing - real estate			1			$	693
Land, land development & construction-real estate			1				334
Commercial and industrial			2				143
Mortgage
1-4 family			1				106
Resort lending			1				156
Home equity - 1st lien			-				-
Home equity - 2nd lien			-				-
Installment
Home equity - 1st lien			2				32
Home equity - 2nd lien			1				22
Loans not secured by real estate			-				-
Other			-				-
Total			9			$	1,486
2012
Commercial
Income producing - real estate			2			$	827
Land, land development & construction-real estate			-				-
Commercial and industrial			5				230
Mortgage
1-4 family			2				148
Resort lending			4				887
Home equity - 1st lien			-				-
Home equity - 2nd lien			-				-
Installment
Home equity - 1st lien			2				234
Home equity - 2nd lien			1				20
Loans not secured by real estate			-				-
Other			-				-
Total			16			$	2,346
A loan is generally considered to be in payment default once it is 90 days contractually past due under the modified terms for commercial loans and installment loans and when four consecutive payments are missed for mortgage loans.
The troubled debt restructurings that subsequently defaulted described above increased the allowance for loan losses by $0.02 million, zero, and $0.3 million during the years ended December 31, 2014, 2013 and 2012, respectively and resulted in charge offs of zero, $0.2 million and $0.8 million during the years ended December 31, 2014, 2013 and 2012, respectively.
The terms of certain other loans were modified during the years ending December 31, 2014, 2013 and 2012 that did not meet the definition of a troubled debt restructuring. The modification of these loans could have included modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant.
In order to determine whether a borrower is experiencing financial difficulty, we perform an evaluation of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under our internal underwriting policy.
Credit Quality Indicators – As part of our on-going monitoring of the credit quality of our loan portfolios, we track certain credit quality indicators including (a) weighted-average risk grade of commercial loans, (b) the level of classified commercial loans (c) credit scores of mortgage and installment loan borrowers (d) insurance industry ratings of certain counterparties for payment plan receivables and (e) delinquency history and non-performing loans.
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: These loans are generally referred to as our “non-watch” commercial credits that include very high or exceptional credit fundamentals through acceptable credit fundamentals.
Rating 7 and 8: These loans are generally referred to as our “watch” commercial credits. This rating includes loans to borrowers that exhibit potential credit weakness or downward trends. If not checked or cured these trends could weaken our asset or credit position. While potentially weak, no loss of principal or interest is envisioned with these ratings.
Rating 9: These loans are generally referred to as our “substandard accruing” commercial credits. This rating includes loans to borrowers that exhibit a well-defined weakness where payment default is probable and loss is possible if deficiencies are not corrected. Generally, loans with this rating are considered collectible as to both principal and interest primarily due to collateral coverage.
Rating 10 and 11: These loans are generally referred to as our “substandard - non-accrual” and “doubtful” commercial credits. This rating includes loans to borrowers with weaknesses that make collection of debt in full, on the basis of current facts, conditions and values, at best questionable and at worst improbable. All of these loans are placed in non-accrual.
Rating 12: These loans are generally referred to as our “loss” commercial credits. This rating includes loans to borrowers that are deemed incapable of repayment and are charged-off.
The following table summarizes loan ratings by loan class for our commercial loan segment:
		Commercial
										Substandard				Non-
		Non-watch				Watch				Accrual				Accrual
			6-Jan				8-Jul				9				11-Oct			Total
										(In thousands)
2014
Income producing - real estate		$	241,266			$	8,649			$	1,918			$	1,233			$	253,066
Land, land development and construction - real estate			30,869				2,485				390				594				34,338
Commercial and industrial			372,947				23,475				5,998				2,746				405,166
Total		$	645,082			$	34,609			$	8,306			$	4,573			$	692,570
Accrued interest included in total		$	1,479			$	111			$	25			$	-			$	1,615
2013
Income producing - real estate		$	227,957			$	17,882			$	3,895			$	1,899			$	251,633
Land, land development and construction - real estate			25,654				4,829				317				1,036				31,836
Commercial and industrial			318,183				26,303				6,469				2,434				353,389
Total		$	571,794			$	49,014			$	10,681			$	5,369			$	636,858
Accrued interest included in total		$	1,433			$	147			$	44			$	-			$	1,624
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 at least annually. The following tables summarize credit scores by loan class for our mortgage and installment loan segments at December 31:
			Mortgage (1)
											Home				Home
							Resort				Equity				Equity
			1-4 Family				Lending				1st Lien				2nd Lien				Total
			(In thousands)
2014
800 and above			$	27,918			$	14,484			$	3,863			$	6,225			$	52,490
750-799				72,674				45,950				6,128				14,323				139,075
700-749				52,843				32,660				3,054				9,642				98,199
650-699				51,664				20,250				3,257				8,194				83,365
600-649				27,770				6,538				1,704				3,862				39,874
550-599				21,361				3,639				994				1,721				27,715
500-549				14,575				2,156				699				1,401				18,831
Under 500				6,306				875				261				632				8,074
Unknown				4,075				2,184				242				674				7,175
Total			$	279,186			$	128,736			$	20,202			$	46,674			$	474,798
Accrued interest included in total			$	1,311			$	562			$	88			$	209			$	2,170
2013
800 and above			$	23,924			$	13,487			$	3,650			$	5,354			$	46,415
750-799				60,728				56,880				4,560				11,809				133,977
700-749				58,269				35,767				3,289				8,628				105,953
650-699				49,771				21,696				2,316				7,145				80,928
600-649				34,991				8,555				2,621				5,141				51,308
550-599				24,616				3,261				1,165				2,485				31,527
500-549				14,823				2,271				644				1,560				19,298
Under 500				9,492				1,160				323				360				11,335
Unknown				4,809				2,879				233				247				8,168
Total			$	281,423			$	145,956			$	18,801			$	42,729			$	488,909
Accrued interest included in total			$	1,300			$	650			$	97			$	229			$	2,276
-1	Credit scores have been updated within the last twelve months.
			Installment(1)
			Home				Home				Loans not
			Equity				Equity				Secured by
			1st Lien				2nd Lien				Real Estate				Other				Total
			(In thousands)
2014
800 and above			$	2,272			$	2,835			$	31,507			$	60			$	36,674
750-799				5,677				8,557				66,558				583				81,375
700-749				3,111				6,358				28,179				689				38,337
650-699				3,963				5,477				16,152				615				26,207
600-649				3,434				2,408				5,128				255				11,225
550-599				2,019				1,913				1,896				134				5,962
500-549				1,128				1,036				1,672				84				3,920
Under 500				393				427				455				28				1,303
Unknown				77				81				1,842				44				2,044
Total			$	22,074			$	29,092			$	153,389			$	2,492			$	207,047
Accrued interest included in total			$	93			$	112			$	445			$	19			$	669
2013
800 and above			$	2,977			$	3,062			$	23,649			$	53			$	29,741
750-799				6,585				11,197				48,585				557				66,924
700-749				4,353				9,487				25,343				683				39,866
650-699				4,815				6,832				15,256				646				27,549
600-649				3,173				2,824				5,289				258				11,544
550-599				2,843				2,084				2,785				213				7,925
500-549				1,483				1,715				1,732				130				5,060
Under 500				751				663				516				29				1,959
Unknown				162				80				1,892				42				2,176
Total			$	27,142			$	37,944			$	125,047			$	2,611			$	192,744
Accrued interest included in total			$	114			$	144			$	399			$	22			$	679
-1	Credit scores have been updated within the last twelve months.
Mepco is a wholly-owned subsidiary of our Bank that operates a vehicle service contract payment plan business throughout the United States. See note #11 for more information about Mepco’s business. As of December 31, 2014, approximately 69.6% of Mepco’s outstanding payment plan receivables relate to programs in which a third party insurer or risk retention group is obligated to pay Mepco the full refund owing upon cancellation of the related service contract (including with respect to both the portion funded to the service contract seller and the portion funded to the administrator). These receivables are shown as “Full Refund” in the table below. Another approximately 17.7% of Mepco’s outstanding payment plan receivables as of December 31, 2014, relate to programs in which a third party insurer or risk retention group is obligated to pay Mepco the refund owing upon cancellation only with respect to the unearned portion previously funded by Mepco to the administrator (but not to the service contract seller). These receivables are shown as “Partial Refund” in the table below. The balance of Mepco’s outstanding payment plan receivables relate to programs in which there is no insurer or risk retention group that has any contractual liability to Mepco for any portion of the refund amount. These receivables are shown as “Other” in the table below. For each class of our payment plan receivables we monitor financial information on the counterparties as we evaluate the credit quality of this portfolio.
The following table summarizes credit ratings of insurer or risk retention group counterparties by class of payment plan receivable at December 31:
				Payment Plan Receivables
				Full				Partial
				Refund				Refund				Other				Total
				(In thousands)
2014
AM Best rating
A+				$	-			$	43			$	-			$	43
A					10,007				6,190				-				16,197
A-					1,989				685				5,054				7,728
Not rated					15,857				176				-				16,033
Total				$	27,853			$	7,094			$	5,054			$	40,001
2013
AM Best rating
A				$	20,203			$	4,221			$	-			$	24,424
A-					4,058				832				7,496				12,386
Not rated					23,816				-				12				23,828
Total				$	48,077			$	5,053			$	7,508			$	60,638
Although Mepco has contractual recourse against various counterparties for refunds owing upon cancellation of vehicle service contracts, see Note #11 below regarding certain risks and difficulties associated with collecting these refunds.
Mortgage loans serviced for others are not reported as assets on the Consolidated Statements of Financial Condition. The principal balances of these loans at December 31 follow:
		2014				2013
		(In thousands)
Mortgage loans serviced for :
Fannie Mae		$	913,863			$	981,031
Freddie Mac			748,833				753,143
Other			104				111
Total		$	1,662,800			$	1,734,285
Custodial deposit accounts maintained in connection with mortgage loans serviced for others totaled $20.9 million and $20.3 million, at December 31, 2014 and 2013, respectively.
If we do not remain well capitalized for regulatory purposes (see note #20), meet certain minimum capital levels or certain profitability requirements or if we incur a rapid decline in net worth, we could lose our ability to sell and/or service loans to these investors. This could impact our ability to generate gains on the sale of loans and generate servicing income. A forced liquidation of our servicing portfolio could also impact the value that could be recovered on this asset. Fannie Mae has the most stringent eligibility requirements covering capital levels, profitability and decline in net worth. Fannie Mae requires seller/servicers to be well capitalized for regulatory purposes. For the profitability requirement, we cannot record four or more consecutive quarterly losses and experience a 30% decline in net worth over the same period. Finally, our net worth cannot decline by more than 25% in one quarter or more than 40% over two consecutive quarters. The highest level of capital we are required to maintain is at least $2.5 million plus 0.25% of loans serviced for Freddie Mac.
An analysis of capitalized mortgage loan servicing rights for the years ended December 31 follows:
		2014				2013				2012
		(In thousands)
Balance at beginning of year		$	13,710			$	11,013			$	11,229
Originated servicing rights capitalized			1,823				3,210				4,006
Amortization			(2,509	)			(3,745	)			(4,679	)
Change in valuation allowance			(918	)			3,232				457
Balance at end of year		$	12,106			$	13,710			$	11,013
Valuation allowance		$	3,773			$	2,855			$	6,087
Loans sold and serviced that have had servicing rights capitalized		$	1,661,269			$	1,732,476			$	1,751,960

OTHER_REAL_ESTATE_OWNED

OTHER REAL ESTATE OWNED	12 Months Ended
	Dec. 31, 2014
OTHER REAL ESTATE OWNED [Abstract]
OTHER REAL ESTATE OWNED	NOTE 5 – OTHER REAL ESTATE OWNED
	During 2014 and 2013, we foreclosed on certain loans secured by real estate and transferred approximately $6.1 million and $6.9 million to other real estate in each of those years, respectively. At the time of acquisition amounts were charged-off against the allowance for loan losses to bring the carrying amount of these properties to their estimated fair values, less estimated costs to sell. During 2014 and 2013, we sold other real estate with book balances of approximately $17.2 million and $12.0 million, respectively. Gains or losses on the sale of other real estate are included in non-interest expense on the Consolidated Statements of Operations.
	We periodically review our real estate owned properties and establish valuation allowances on these properties if values have declined since the date of acquisition. An analysis of our valuation allowance for other real estate owned follows:
		2014			2013			2012
		(In thousands)
	Balance at beginning of year	$	4,047		$	5,958		$	14,655
	Additions charged to expense		663			2,598			3,769
	Direct write-downs upon sale		(2,199	)		(4,509	)		(12,466	)
	Balance at end of year	$	2,511		$	4,047		$	5,958
	Other real estate and repossessed assets totaling $6.5 million and $18.3 million at December 31, 2014 and 2013, respectively, are presented net of valuation allowance.

PROPERTY_AND_EQUIPMENT

PROPERTY AND EQUIPMENT	12 Months Ended
	Dec. 31, 2014
PROPERTY AND EQUIPMENT [Abstract]
PROPERTY AND EQUIPMENT	NOTE 6 – PROPERTY AND EQUIPMENT
	A summary of property and equipment at December 31 follows:
		2014			2013
		(In thousands)
	Land	$	14,904		$	14,817
	Buildings		59,486			58,798
	Equipment		79,809			77,452
			154,199			151,067
	Accumulated depreciation and amortization		(108,251	)		(102,473	)
	Property and equipment, net	$	45,948		$	48,594
	Depreciation expense was $6.7 million, $6.7 million and $7.6 million in 2014, 2013 and 2012, respectively.

INTANGIBLE_ASSETS

INTANGIBLE ASSETS	12 Months Ended
	Dec. 31, 2014
INTANGIBLE ASSETS [Abstract]
INTANGIBLE ASSETS	NOTE 7 – INTANGIBLE ASSETS
	Intangible assets, net of amortization, at December 31 follows:
		2014				2013
		Gross		Accumulated		Gross		Accumulated
		Carrying		Amortization		Carrying		Amortization
		Amount				Amount
		(In thousands)
	Amortized intangible assets - core deposits	$	6,118	$	3,491	$	11,037	$	7,874
	Intangible amortization expense was $0.5 million, $0.8 million and $1.1 million in 2014, 2013 and 2012, respectively.  During 2014, a core deposit intangible acquired in 2004 with an original balance of $4.9 million became fully amortized and was removed from the table above.  In addition, $12.7 million of core deposit balances at December 31, 2013 that had been fully amortized at that date have been removed from the table above.
	A summary of estimated core deposit intangible amortization at December 31, 2014, follows:
		(In thousands)
	2015	$	347
	2016		347
	2017		346
	2018		346
	2019		346
	2020 and thereafter		895
	Total	$	2,627

DEPOSITS

DEPOSITS	12 Months Ended
	Dec. 31, 2014
DEPOSITS [Abstract]
DEPOSITS	NOTE 8 – DEPOSITS
	A summary of interest expense on deposits for the years ended December 31 follows:
		2014		2013		2012
		(In thousands)
	Savings and interest bearing checking	$	1,064	$	1,131	$	1,830
	Time deposits under $100,000		2,467		2,995		4,838
	Time deposits of $100,000 or more		1,436		1,580		2,245
	Total	$	4,967	$	5,706	$	8,913
	Aggregate time deposits in denominations of $250,000 or more amounted to $42.8 million and $32.7 million at December 31, 2014 and 2013, respectively.
	A summary of the maturity of time deposits at December 31, 2014, follows:
		(In thousands)
	2015	$	239,914
	2016		88,123
	2017		22,569
	2018		22,952
	2019		15,497
	2020 and thereafter		1,072
	Total	$	390,127
	Time deposits acquired through broker relationships totaled $11.3 million and $13.5 million at December 31, 2014 and 2013, respectively.
	Reciprocal deposits totaled $53.7 million and $83.5 million at December 31, 2014 and 2013, respectively. These deposits represent demand, money market and time deposits from our customers that have been placed through Promontory Interfinancial Network’s Insured Cash Sweep® service and Certificate of Deposit Account Registry Service®. These services allow our customers to access multi-million dollar FDIC deposit insurance on deposit balances greater than the standard FDIC insurance maximum.
	A summary of reciprocal deposits at December 31 follows:
		2014		2013
		(In thousands)
	Demand	$	5,867	$	7,018
	Money market		7,692		4,197
	Time		40,109		72,312
	Total	$	53,668	$	83,527

OTHER_BORROWINGS

OTHER BORROWINGS	12 Months Ended
	Dec. 31, 2014
OTHER BORROWINGS [Abstract]
OTHER BORROWINGS	NOTE 9 – OTHER BORROWINGS
	A summary of other borrowings at December 31 follows:
		2014		2013
		(In thousands)
	Advances from the FHLB	$	12,464	$	17,181
	Other		6		7
	Total	$	12,470	$	17,188
	Advances from the FHLB are secured by unencumbered qualifying mortgage and home equity loans with a market value equal to at least 135% to 159%, respectively, of outstanding advances. Advances are also secured by FHLB stock that we own, which totaled $12.3 million at December 31, 2014. Unused borrowing capacity with the FHLB (subject to the FHLB’s credit requirements and policies) was $170.4 million at December 31, 2014. Interest expense on advances amounted to $0.9 million, $1.1 million and $1.2 million for the years ended December 31, 2014, 2013 and 2012, respectively. During 2012, FHLB advances totaling $3.0 million were terminated with no realized gain or loss.  No FHLB advances were terminated during 2014 or 2013.
	As a member of the FHLB, we must own FHLB stock equal to the greater of 1.0% of the unpaid principal balance of residential mortgage loans or 5.0% of our outstanding advances. At December 31, 2014, we were in compliance with the FHLB stock ownership requirements.
	The maturity dates and weighted average interest rates of FHLB advances at December 31 follow:
		2014					2013
		Amount		Rate			Amount		Rate
		(Dollars in thousands)
	Fixed-rate advances
	2014						$	4,240		5.73	%
	2016	$	2,205		6.55	%		2,313		6.55
	2017		1,320		7.04			1,377		7.04
	2018		5,671		5.99			5,888		5.99
	2019		-					-
	2020 and thereafter		3,268		7.49			3,363		7.49
	Total advances	$	12,464		6.59	%	$	17,181		6.38	%
	A summary of repayments of FHLB Advances at December 31, 2014, follows:
		(In thousands)
	2015	$	515
	2016		2,521
	2017		1,587
	2018		5,042
	2019		143
	2020 and thereafter		2,656
	Total	$	12,464
	We had no borrowings outstanding with the FRB during the years ended or at December 31, 2014, 2013 or 2012. We had unused borrowing capacity with the FRB (subject to the FRB’s credit requirements and policies) of $320.0 million at December 31, 2014. Collateral for FRB borrowings are certain commercial loans.
	Assets, consisting of FHLB stock and loans, pledged to secure other borrowings and unused borrowing capacity totaled $753.4 million at December 31, 2014.

SUBORDINATED_DEBENTURES

SUBORDINATED DEBENTURES	12 Months Ended
	Dec. 31, 2014
SUBORDINATED DEBENTURES [Abstract]
SUBORDINATED DEBENTURES	NOTE 10 – SUBORDINATED DEBENTURES
	We have formed various special purpose entities (the “trusts”) for the purpose of issuing trust preferred securities in either public or pooled offerings or in private placements. Independent Bank Corporation owns all of the common stock of each trust and has issued subordinated debentures to each trust in exchange for all of the proceeds from the issuance of the common stock and the trust preferred securities. Trust preferred securities totaling $34.5 million and $39.5 million at December 31, 2014 and 2013, respectively, qualified as Tier 1 regulatory capital.
	These trusts are not consolidated with Independent Bank Corporation and accordingly, we report the common securities of the trusts held by us in accrued income and other assets and the subordinated debentures that we have issued to the trusts in the liability section of our Consolidated Statements of Financial Condition.
	Summary information regarding subordinated debentures as of December 31 follows:
				2014
						Trust
						Preferred		Common
		Issue		Subordinated		Securities		Stock
	Entity Name	Date		Debentures		Issued		Issued
				(In thousands)
	IBC Capital Finance III	May-07		$	12,372	$	12,000	$	372
	IBC Capital Finance IV	Sep-07			15,465		15,000		465
	Midwest Guaranty Trust I	Nov-02			7,732		7,500		232
				$	35,569	$	34,500	$	1,069
				2013
						Trust
						Preferred		Common
		Issue		Subordinated		Securities		Stock
	Entity Name	Date		Debentures		Issued		Issued
				(In thousands)
	IBC Capital Finance III	May-07		$	12,372	$	12,000	$	372
	IBC Capital Finance IV	Sep-07			20,619		20,000		619
	Midwest Guaranty Trust I	Nov-02			7,732		7,500		232
				$	40,723	$	39,500	$	1,223
	Other key terms for the subordinated debentures and trust preferred securities that were outstanding at December 31, 2014 follow:
		Maturity		First Permitted
	Entity Name	Date	Interest Rate	Redemption Date
	IBC Capital Finance III	30-Jul-37	3 month LIBOR plus 1.60%	30-Jul-12
	IBC Capital Finance IV	15-Sep-37	3 month LIBOR plus 2.85%	15-Sep-12
	Midwest Guaranty Trust I	7-Nov-32	3 month LIBOR plus 3.45%	7-Nov-07
	In the fourth quarter of 2009, we elected to defer distributions (payment of interest) on each of the subordinated debentures and trust preferred securities. The subordinated debentures and trust preferred securities are cumulative and have a feature that permits us to defer distributions (payment of interest) from time to time for a period not to exceed 20 consecutive quarters. On August 29, 2013, we brought current the interest payments that we had previously been deferring on each of the subordinated debentures which permitted the resumption of interest payments on the trust preferred securities.
	We have the right to redeem the subordinated debentures and trust preferred securities (at par) in whole or in part from time to time on or after the first permitted redemption date specified above or upon the occurrence of specific events defined within the trust indenture agreements. During 2014, we redeemed trust preferred securities issued by IBC Capital Finance IV with a par value of $5.0 million.  These trust preferred securities were redeemed at a discount of $0.5 million and we recognized a gain on extinguishment of debt in our Consolidated Statements of Operations for this same amount.  During 2013, we redeemed, at par, trust preferred securities issued by IBC Capital Finance II with a par value of $9.2 million.
	Issuance costs have been capitalized and are being amortized on a straight- line basis over a period not exceeding 30 years and are included in interest expense in the Consolidated Statements of Operations. Distributions (payment of interest) on the trust preferred securities are also included in interest expense in the Consolidated Statements of Operations.

COMMITMENTS_AND_CONTINGENT_LIA

COMMITMENTS AND CONTINGENT LIABILITIES	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]
COMMITMENTS AND CONTINGENT LIABILITIES	NOTE 11 – COMMITMENTS AND CONTINGENT LIABILITIES
	In the normal course of business, we enter into financial instruments with off-balance sheet risk to meet the financing needs of customers or to reduce exposure to fluctuations in interest rates. These financial instruments may include commitments to extend credit and standby letters of credit. Financial instruments involve varying degrees of credit and interest-rate risk in excess of amounts reflected in the Consolidated Statements of Financial Condition. Exposure to credit risk in the event of non-performance by the counterparties to the financial instruments for loan commitments to extend credit and standby letters of credit is represented by the contractual amounts of those instruments. We do not, however, anticipate material losses as a result of these financial instruments.
	A summary of financial instruments with off-balance sheet risk at December 31 follows:
		2014			2013
		(In thousands)
	Financial instruments whose risk is represented by contract amounts
	Commitments to extend credit	$	204,827		$	180,829
	Standby letters of credit		2,757			4,262
	Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and generally require payment of a fee. Since commitments may expire without being drawn upon, the commitment amounts do not represent future cash requirements. Commitments are issued subject to similar underwriting standards, including collateral requirements, as are generally involved in the extension of credit facilities.
	Standby letters of credit are written conditional commitments issued to guarantee the performance of a customer to a third party. The credit risk involved in such transactions is essentially the same as that involved in extending loan facilities and, accordingly, standby letters of credit are issued subject to similar underwriting standards, including collateral requirements, as are generally involved in the extension of credit facilities. The majority of the standby letters of credit are to corporations, have variable rates that range from 2.5% to 8.25% and mature through 2018.
	We are involved in various litigation matters in the ordinary course of business. At the present time, we do not believe any of these matters will have a significant impact on our consolidated financial position or results of operations. The aggregate amount we have accrued for losses we consider probable as a result of these litigation matters is immaterial. However, because of the inherent uncertainty of outcomes from any litigation matter, we believe it is reasonably possible we may incur losses in addition to the amounts we have accrued. At this time, we estimate the maximum amount of additional losses that are reasonably possible is approximately $0.5 million. However, because of a number of factors, including the fact that certain of these litigation matters are still in their early stages, this maximum amount may change in the future.
	The litigation matters described in the preceding paragraph primarily include claims that have been brought against us for damages, but do not include litigation matters where we seek to collect amounts owed to us by third parties (such as litigation initiated to collect delinquent loans or vehicle service contract counterparty receivables). These excluded, collection-related matters may involve claims or counterclaims by the opposing party or parties, but we have excluded such matters from the disclosure contained in the preceding paragraph in all cases where we believe the possibility of us paying damages to any opposing party is remote. Risks associated with the likelihood that we will not collect the full amount owed to us, net of reserves, are disclosed elsewhere in this report.
	Our Mepco segment conducts its payment plan business activities across the United States. Mepco acquires the payment plans from companies (which we refer to as Mepco’s “counterparties”) at a discount from the face amount of the payment plan. Each payment plan (which are classified as payment plan receivables in our Consolidated Statements of Financial Condition) permits a consumer to purchase a vehicle service contract by making installment payments, generally for a term of 12 to 24 months, to the sellers of those contracts (one of the “counterparties”). Mepco thereafter collects the payments from consumers. In acquiring the payment plan, Mepco generally funds a portion of the cost to the seller of the service contract and a portion of the cost to the administrator of the service contract. The administrator, in turn, pays the necessary contractual liability insurance policy (“CLIP”) premium to the insurer or risk retention group.
	Consumers are allowed to voluntarily cancel the service contract at any time and are generally entitled to receive a refund from the administrator of the unearned portion of the service contract at the time of cancellation. As a result, while Mepco does not owe any refund to the consumer, it also does not have any recourse against the consumer for nonpayment of a payment plan and therefore does not evaluate the creditworthiness of the individual consumer. If a consumer stops making payments on a payment plan or exercises the right to voluntarily cancel the service contract, the service contract seller and administrator are each obligated to refund to Mepco the amount necessary to make Mepco whole as a result of its funding of the service contract. In addition, the insurer or risk retention group that issued the CLIP for the service contract often guarantees all or a portion of the refund to Mepco. See note #4 above for a breakdown of Mepco’s payment plan receivables by the level of recourse Mepco has against various counterparties.
	Upon the cancellation of a service contract and the completion of the billing process to the counterparties for amounts due to Mepco, there is a decrease in the amount of “payment plan receivables” and an increase in the amount of “vehicle service contract counterparty receivables” until such time as the amount due from the counterparty is collected. These amounts represent funds actually due to Mepco from its counterparties for cancelled service contracts. At December 31, 2014, the aggregate amount of such obligations owing to Mepco by counterparties, net of write-downs and reserves made through the recognition of vehicle service contract counterparty contingencies expense, totaled $7.2 million. This compares to a balance of $7.7 million at December 31, 2013.  Mepco is currently in the process of working to recover these receivables, primarily through litigation against 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 rated insurance company is involved to guarantee the repayment obligation of the seller and administrator counterparties. In most cases, there is no collateral to secure the counterparties’ refund obligations to Mepco, but Mepco has the contractual right to offset unpaid refund obligations against amounts Mepco would otherwise be obligated to fund to the counterparties. In addition, even when collateral is involved, the refund obligations of these counterparties are not fully secured. Mepco incurs losses when it is unable to fully recover funds owing to it by counterparties upon cancellation of the underlying service contracts. The sudden failure of one of Mepco’s major counterparties (an insurance company, administrator, or seller/dealer) could expose us to significant losses.
	When counterparties do not honor their contractual obligations to Mepco to repay funds, we recognize estimated losses. Mepco pursues collection (including commencing legal action if necessary) of funds due to it under its various contracts with counterparties.  Mepco has had to initiate litigation against certain counterparties, including third party insurers, to collect amounts owed to Mepco as a result of those parties' dispute of their contractual obligations to Mepco.  For 2014, 2013 and 2012, non-interest expenses include $0.2 million, $4.8 million and $1.6 million, respectively, of charges related to estimated losses for vehicle service contract counterparty contingencies.  The significant decrease in this expense in 2014 (from 2013) is due to 2013 including write-downs of vehicle service contract counterparty receivables related to settlements of certain litigation to collect these receivables.  Given the costs and uncertainty of continued litigation, we determined it was in our best interest to resolve these matters.  These charges are being classified in non-interest expense because they are associated with a default or potential default of a contractual obligation under our counterparty contracts as opposed to loss on the administration of the payment plan itself.
	Our estimate of probable incurred losses from vehicle service contract counterparty contingencies requires a significant amount of judgment because a number of factors can influence the amount of loss that we may ultimately incur. These factors include our estimate of future cancellations of vehicle service contracts, our evaluation of collateral that may be available to recover funds due from our counterparties, and our assessment of the amount that may ultimately be collected from counterparties in connection with their contractual obligations.  We apply a rigorous process, based upon historical payment plan activity and past experience, to estimate probable incurred losses and quantify the necessary reserves for our vehicle service contract counterparty contingencies, but there can be no assurance that our modeling process will successfully identify all such losses.
	We believe our assumptions regarding the collection of vehicle service contract counterparty receivables are reasonable, and we based them on our good faith judgments using data currently available. We also believe the current amount of reserves we have established and the vehicle service contract counterparty contingencies expense that we have recorded are appropriate given our estimate of probable incurred losses at the applicable 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.
	An analysis of our vehicle service contract counterparty receivable, net follows:
		2014			2013			2012
		(In thousands)
	Balance at beginning of year, net of reserve	$	7,716		$	18,449		$	29,298
	Transfers in from payment plan receivables		180			792			1,469
	Reserves established and charge-offs recorded to expense		(199	)		(4,837	)		(1,629	)
	Transferred to (from) contingency reserves		(75	)		63			(108	)
	Cash received		(385	)		(6,751	)		(7,413	)
	Collateral received (other real estate and repossessed assets) in partial satisfaction of debt		-			-			(3,168	)
	Balance at end of year, net of reserve	$	7,237		$	7,716		$	18,449
	Reserve at end of year	$	1,370		$	1,300		$	2,000
	An analysis of our vehicle service contract counterparty reserve follows:
		2014			2013			2012
		(In thousands)
	Balance at beginning of year	$	1,375		$	2,012		$	32,570
	Additions charged to expense		199			4,837			1,629
	Charge-offs, net		(204	)		(5,474	)		(32,187	)
	Balance at end of year	$	1,370		$	1,375		$	2,012
	Reserves recorded in VSC counterparty receivables, net	$	1,370		$	1,300		$	2,000
	Reserves recorded in accrued expenses and other liabilities		-			75			12
	Total at end of year	$	1,370		$	1,375		$	2,012
	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 and Freddie Mac). 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.  Historically, loss reimbursements on mortgage loans sold without recourse were rare. In 2009, we had only one actual loss reimbursement (for $0.06 million). Prior to 2009, we had years in which we incurred no such loss reimbursements. However, our loss reimbursements increased from 2010 to 2013 as Fannie Mae and Freddie Mac, in particular, were doing more reviews of mortgage loans where they had incurred or expected to incur a loss and were more aggressive in pursuing loss reimbursements from the sellers of such mortgage loans.  In November 2013, we executed a Resolution Agreement with Fannie Mae to resolve our existing and future repurchase and make whole obligations (collectively “Repurchase Obligations”) related to mortgage loans originated between January 1, 2000 and December 31, 2008 and delivered to them by January 31, 2009.  Under the terms of the Resolution Agreement, we paid Fannie Mae approximately $1.5 million in November 2013 with respect to the Repurchase Obligations.  We believe that it was in our best interest to execute the Resolution Agreement in order to bring finality to the loss reimbursement exposure with Fannie Mae for these years and reduce the resources spent on individual file reviews and defending loss reimbursement requests.  In addition, we were notified by Freddie Mac in January 2014 that they had completed their review of mortgage loans that we originated between January 1, 2000 and December 31, 2008 and delivered to them.  The reserve for loss reimbursements on sold mortgage loans totaled $0.7 million and $1.4 million at December 31, 2014 and 2013, respectively. This reserve is included in accrued expenses and other liabilities in our Consolidated Statements of Financial Condition. This reserve is based on an analysis of mortgage loans that we have sold which are further categorized by delinquency status, loan to value, and year of origination. The calculation includes factors such as probability of default, probability of loss reimbursement (breach of representation or warranty) and estimated loss severity. The reserve levels at December 31, 2014 and 2013 also reflect the resolution of the mortgage loan origination years of 2000 to 2008 with Fannie Mae and Freddie Mac.  We believe that the amounts that we have accrued for incurred losses on sold mortgage loans are appropriate given our analyses.  However, future losses could exceed our current estimate.

SHAREHOLDERS_EQUITY_AND_INCOME

SHAREHOLDERS' EQUITY AND INCOME PER COMMON SHARE	12 Months Ended
	Dec. 31, 2014
SHAREHOLDERS' EQUITY AND INCOME PER COMMON SHARE [Abstract]
SHAREHOLDERS' EQUITY AND INCOME PER COMMON SHARE	NOTE 12 – SHAREHOLDERS’ EQUITY AND INCOME PER COMMON SHARE
	On July 26, 2013, we executed a Securities Purchase Agreement (“SPA”) with the U.S. Department of the Treasury (“UST”).  Under the terms of the SPA, we agreed to purchase from the UST for $81.0 million in cash consideration:  (i) 74,426 shares of our Series B Fixed Rate Cumulative Mandatorily Convertible Preferred Stock, with an original liquidation preference of $1,000 per share (“Series B Preferred Stock”), including all accrued and unpaid dividends; and (ii) the Amended and Restated Warrant to purchase 346,154 shares of our common stock at an exercise price of $7.234 per share and expiring on December 12, 2018 (the “Amended Warrant”).  On August 30, 2013, we closed the SPA transaction with the UST and we exited the Troubled Asset Relief Program (“TARP”).  On that date, the Series B Preferred Stock and Amended Warrant had book balances of $87.2 million (including accrued dividends) and $1.5 million, respectively. This transaction resulted in a discount of $7.7 million, of which $7.6 million was allocated to the Series B Preferred Stock and included in net income applicable to common stock and $0.1 million was allocated to the Amended Warrant and recorded to common stock.
	On August 28, 2013, we sold 11.5 million shares of our common stock for gross proceeds of $89.1 million in a public offering and on September 10, 2013, we sold an additional 1.725 million shares of our common stock for gross proceeds of $13.4 million pursuant to the underwriters’ overallotment option (collectively, the “Common Stock Offering”).  The net proceeds from the Common Stock Offering were approximately $97.1 million.
	On November 15, 2011, we entered into a Tax Benefits Preservation Plan (the "Preservation Plan") with our stock transfer agent, American Stock Transfer & Trust Company. Our Board of Directors adopted the Preservation Plan in an effort to protect the value to our shareholders of our ability to use deferred tax assets, such as net operating loss carry forwards, to reduce potential future federal income tax obligations. Under federal tax rules, this value could be lost in the event we experienced an "ownership change," as defined in Section 382 of the federal Internal Revenue Code. The Preservation Plan attempts to protect this value by reducing the likelihood that we will experience such an ownership change by discouraging any person who is not already a 5% shareholder from becoming a 5% shareholder (with certain limited exceptions).
	On November 15, 2011, our Board of Directors declared a dividend of one preferred share purchase right (a "Right") for each outstanding share of our common stock under the terms of the Preservation Plan. The dividend is payable to the holders of common stock outstanding as of the close of business on November 15, 2011, or outstanding at any time thereafter but before the earlier of a "Distribution Date" and the date the Preservation Plan terminates. Each Right entitles the registered holder to purchase from us 1/1000 of a share of our Series C Junior Participating Preferred Stock, no par value per share ("Series C Preferred Stock"). Each 1/1000 of a share of Series C Preferred Stock has economic and voting terms similar to those of one whole share of common stock. The Rights are not exercisable and generally do not become exercisable until a person or group has acquired, subject to certain exceptions and conditions, beneficial ownership of 4.99% or more of the outstanding shares of common stock. At that time, each Right will generally entitle its holder to purchase securities of the Company at a discount of 50% to the current market price of the common stock. However, the Rights owned by the person acquiring beneficial ownership of 4.99% or more of the outstanding shares of common stock would automatically be void. The significant dilution that would result is expected to deter any person from acquiring beneficial ownership of 4.99% or more and thereby triggering the Rights.
	To date, none of the Rights have been exercised or have become exercisable because no unpermitted 4.99% or more change in the beneficial ownership of the outstanding common stock has occurred. The Rights will generally expire on the earlier to occur of the close of business on November 15, 2016 and certain other events described in the Preservation Plan, including such date as our Board of Directors determines that the Preservation Plan is no longer necessary for its intended purposes.
	A reconciliation of basic and diluted net income per common share for the years ended December 31 follows:
		2014		2013			2012
		(In thousands, except per share amounts)
	Net income applicable to common stock	$	18,021	$	82,062		$	21,851
	Convertible preferred stock dividends		-		3,001			4,347
	Preferred stock discount		-		(7,554	)		-
	Net income applicable to common stock for calculation of diluted earnings per share	$	18,021	$	77,509		$	26,198
	Weighted average shares outstanding (1)		22,927		13,970			8,709
	Restricted stock units		306		363			216
	Effect of stock options		124		92			2
	Stock units for deferred compensation plan for non-employee directors		114		125			66
	Effect of convertible preferred stock		-		7,314			23,892
	Weighted average shares outstanding for calculation of diluted earnings per share		23,471		21,864			32,885
	Net income per common share
	Basic (1)	$	0.79	$	5.87		$	2.51
	Diluted	$	0.77	$	3.55		$	0.8
	(1)Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.
	Weighted average stock options outstanding that were not considered in computing diluted net income per common share because they were anti-dilutive totaled 0.03 million, 0.1 million and 0.1 million for 2014, 2013 and 2012, respectively. The Amended Warrant issued to the UST to purchase 346,154 shares of our common stock was also not considered in computing the diluted net income per common share in 2013 and 2012 as it was anti-dilutive.

INCOME_TAX

INCOME TAX	12 Months Ended
	Dec. 31, 2014
INCOME TAX [Abstract]
INCOME TAX	NOTE 13 – INCOME TAX
	The composition of income tax expense (benefit) for the years ended December 31 follows:
			2014			2013			2012
			(In thousands)
	Current		$	(359	)	$	(277	)	$	-
	Deferred			7,672			-			-
	Disproportionate tax effect			-			1,444			-
	Valuation allowance - change in estimate			(118	)		(56,018	)		-
	Income tax expense (benefit)		$	7,195		$	(54,851	)	$	-
	Income tax expense (benefit) was $7.2 million, $(54.9) million and zero during the years ended December 31, 2014, 2013 and 2012.  Prior to the second quarter of 2013, we had established a deferred tax asset valuation allowance against all of our net deferred tax assets.  The reversal of substantially all of this valuation allowance on our deferred tax assets during the second quarter of 2013 resulted in our recording an income tax benefit of $57.6 million.  In addition, during the second quarter of 2013, we recorded $1.4 million of income tax expense to clear from accumulated other comprehensive loss (“AOCL”) the disproportionate tax effects from cash flow hedges.  These disproportionate tax effects had been charged to other comprehensive income and credited to income tax expense due to our valuation allowance on deferred tax assets as more fully discussed in note #24 to the Consolidated Financial Statements.  Because we terminated our last remaining cash flow hedge in the second quarter of 2013, it was appropriate to clear these disproportionate tax effects from AOCL.  During 2012, income tax expense related to income before income tax was largely offset by the change in the deferred tax valuation allowance. As a result, we recorded no income tax expense or benefit in 2012.
	The income tax expense (benefit) in the Consolidated Statements of Operations also includes income taxes in a variety of other states due primarily to Mepco’s operations. The amounts of such state income taxes were an expense (benefit) of zero, $(0.2) million, and zero in 2014, 2013 and 2012, respectively.
	The deferred income tax expense of $7.7 million during 2014 can be primarily attributed to tax effects of temporary differences. The deferred income tax benefit of $56.0 million during 2013 is attributed to the reversal of our deferred tax valuation allowance on primarily all of our deferred tax assets.
	A reconciliation of income tax benefit to the amount computed by applying the statutory federal income tax rate of 35% in each year presented to the income before income tax for the years ended December 31 follows:
			2014			2013			2012
			(In thousands)
	Statutory rate applied to income before income tax		$	8,826		$	7,930		$	9,169
	Unrecognized tax benefit			(595	)		(186	)		-
	Tax-exempt income			(522	)		(402	)		(453	)
	Bank owned life insurance			(480	)		(477	)		(568	)
	Net change in valuation allowance			(118	)		(63,980	)		(8,730	)
	Non-deductible meals, entertainment and memberships			53			55			55
	Disproportionate tax effect			-			1,444			-
	U.S. Treasury warrant			-			359			100
	Share-based compensation			-			8			258
	Other, net			31			398			169
	Income tax expense (benefit)		$	7,195		$	(54,851	)	$	-
	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31 follow:
			2014			2013
			(In thousands)
	Deferred tax assets
	Loss carryforwards		$	32,933		$	38,027
	Allowance for loan losses			9,099			11,317
	Fixed assets			3,239			3,081
	Alternative minimum tax credit carry forward			3,037			2,672
	Purchase premiums, net			2,050			2,280
	Valuation allowance on other real estate owned			879			1,431
	Share based payments			684			402
	Unrealized loss on trading securities			559			456
	Vehicle service contract counterparty contingency reserve			521			523
	Deferred compensation			448			523
	Other than temporary impairment charge on securities available for sale			436			466
	Non accrual loan interest income			244			325
	Loss reimbursement on sold loans reserve			242			492
	Reserve for unfunded lending commitments			189			178
	Unrealized loss on derivative financial instruments			-			133
	Unrealized loss on securities available for sale			-			1,723
	Other			-			40
	Gross deferred tax assets			54,560			64,069
	Valuation allowance			(1,019	)		(1,137	)
	Total net deferred tax assets			53,541			62,932
	Deferred tax liabilities
	Mortgage servicing rights			4,237			4,799
	Deferred loan fees			260			265
	Federal Home Loan Bank stock			196			318
	Unrealized gain on securities available for sale			87			-
	Other			129			-
	Gross deferred tax liabilities			4,909			5,382
	Net deferred tax assets		$	48,632		$	57,550
	We assess whether a valuation allowance on our deferred tax assets is necessary each quarter.  Reversing or reducing the valuation allowance requires us to conclude that the realization of the deferred tax assets is “more likely than not.”  The ultimate realization of this asset is primarily based on generating future income.  As of June 30, 2013, we concluded that the realization of substantially all of our deferred tax assets was now more likely than not.  This conclusion was primarily based upon the following factors:
		·	Achieving a sixth consecutive quarter of profitability;
		·	A forecast of future profitability that supported that the realization of the deferred tax assets is more likely than not; and
		·	A forecast that future asset quality continued to be stable to improving and that other factors did not exist that could cause a significant adverse impact on future profitability.
	We have also concluded subsequent to June 30, 2013, that the realization of substantially all of our deferred tax assets continues to be more likely than not for substantially the same reasons as enumerated above, including six additional profitable quarters since June 30, 2013.
	The valuation allowance against our deferred tax assets totaled $1.0 million and $1.1 million at December 31, 2014 and 2013, respectively.  The valuation allowance against our deferred tax assets at December 31, 2014 primarily relates to state income taxes from our Mepco segment.  In this instance, we determined that the future realization of these particular deferred tax assets was not more likely than not.  This conclusion was primarily based on the uncertainty of Mepco’s future earnings attributable to particular states (given the various apportionment criteria) and the significant reduction in the size of Mepco’s business over the past three years.
Because of our net operating loss and tax credit carryforwards, we are still subject to the rules of Section 382 of the Internal Revenue Code of 1986, as amended. An ownership change, as defined by these rules, would negatively affect our ability to utilize our net operating loss carryforwards and other deferred tax assets in the future. If such an ownership change were to occur, we may suffer higher-than-anticipated tax expense, and consequently lower net income and cash flow, in those future years. Although we cannot control our shareholders’ activities in buying and selling our common stock, we do have in place a Tax Benefits Preservation Plan to dissuade any movement in our stock that would trigger an ownership change, and we limited the size of our Common Stock Offering to avoid triggering any Section 382 limitations.
At December 31, 2014, we had federal net operating loss (“NOL”) carryforwards of approximately $92.4 million which, if not used against taxable income, will expire as follows:
		(In thousands)
2029		$	11,285
2030			26,254
2031			17,170
2032			37,739
Total		$	92,448
$1.2 million of NOL carryforwards in the table above relate to unrealized excess benefits on share based compensation for which a benefit will be recorded to additional paid in capital (common stock) when realized. We also had a minor amount of state NOL carryforwards in certain states where Mepco operates.  In addition, we had $3.0 million of alternative minimum tax credit carryforwards with indefinite lives at December 31, 2014.
Changes in unrecognized tax benefits for the years ended December 31 follow:
		2014			2013			2012
		(In thousands)
Balance at beginning of year		$	1,672		$	1,871		$	2,139
Additions based on tax positions related to the current year			18			11			15
Reductions due to the statute of limitations			(595	)		(186	)		(56	)
Reductions due to settlements			(4	)		(24	)		(227	)
Balance at end of year		$	1,091		$	1,672		$	1,871
If recognized, the entire amount of unrecognized tax benefits, net of $0.4 million of federal tax on state benefits, would affect our effective tax rate. We do not expect the total amount of unrecognized tax benefits to significantly increase or decrease in the next twelve months. No amounts were expensed for interest and penalties for the years ended December 31, 2014, 2013 and 2012. No amounts were accrued for interest and penalties at December 31, 2014, 2013 or 2012. At December 31, 2014, U.S. Federal tax years 2011 through the present remain open to examination.

SHARE_BASED_COMPENSATION_AND_B

SHARE BASED COMPENSATION AND BENEFIT PLANS	12 Months Ended
	Dec. 31, 2014
SHARE BASED COMPENSATION AND BENEFIT PLANS [Abstract]
SHARE BASED COMPENSATION AND BENEFIT PLANS	NOTE 14 – SHARE BASED COMPENSATION AND BENEFIT PLANS
	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 0.4 million shares of common stock as of December 31, 2014. The non-employee director stock purchase plan permits the grant of additional share based payments for up to 0.2 million shares of common stock as of December 31, 2014. 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 2014, pursuant to our long-term incentive plan, we granted 0.1 million shares of restricted stock and 0.03 million performance stock units (“PSUs”) to certain officers.  The shares of restricted stock vest ratably over three years and the 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.
	We issued 0.1 million and 0.2 million restricted stock units to certain of our executive officers during 2013 and 2012, respectively. These restricted stock units do not vest for a minimum of three years. We use the market value of the common stock on the date of grant to measure compensation cost for non-vested share awards.
	During 2013 and 2012, pursuant to our performance-based compensation plans, we granted 0.1 million stock options in each period to certain officers. The stock options have an exercise price equal to the market value on the date of grant, vest ratably over a three year period and expire 10 years from date of grant. We use the Black Scholes option pricing model to measure compensation cost for stock options. We also estimate expected forfeitures over the vesting period.
	Our directors may elect to receive at least 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 0.01 million shares, 0.06 million shares and 0.21 million shares to directors during 2014, 2013 and 2012, respectively, and expensed their value during those same periods.
	During 2013 and 2012, a portion of our president’s annual salary was paid in the form of common stock.  The annual amount paid in common stock (also referred to as “salary stock”) was $0.020 million and $0.015 million for 2013 and 2012, respectively.  During 2012, pursuant to a management transition plan, $0.2 million of our former chief executive officer’s annual salary was paid in the form of salary stock. These shares were issued each pay period and vested immediately.  No salary stock was paid during 2014.
	Total compensation expense recognized for grants pursuant to our long-term incentive plan was $1.0 million, $0.9 million and $0.4 million in 2014, 2013 and 2012, respectively.  The corresponding tax benefit relating to this expense was $0.4 million in 2014 and zero in both 2013 and 2012. Total expense recognized for non-employee director share based payments was $0.2 million, $0.3 million and $0.4 million in 2014, 2013 and 2012, respectively. The corresponding tax benefit relating to this expense was $0.1 million in 2014 and zero in both 2013 and 2012.
	At December 31, 2014, the total expected compensation cost related to non-vested stock options, restricted stock, PSUs and restricted stock unit awards not yet recognized was $1.6 million.  The weighted-average period over which this amount will be recognized is 1.7 years.
	A summary of outstanding stock option grants and related transactions follows:
								Weighted-
								Average
					Average			Remaining		Aggregated
		Number of			Exercise			Contractual		Intrinsic
		Shares			Price			Term (Years)		Value
		(In thousands)
	Outstanding at January 1, 2014		320,300		$	4.52
	Granted		-
	Exercised		(32,896	)		2.93
	Forfeited		(5,300	)		5.22
	Expired		(284	)		3.46
	Outstanding at December 31, 2014		281,820		$	4.69			7.1	$	2,431
	Vested and expected to vest at December 31, 2014		277,216		$	4.69			7.08	$	2,394
	Exercisable at December 31, 2014		198,884		$	4.62			6.68	$	1,752
	A summary of outstanding non-vested stock and related transactions follows:
					Weighted-
					Average
		Number			Grant Date
		of Shares			Fair Value
	Outstanding at January 1, 2014		303,980		$	3.77
	Granted		105,624			13.79
	Vested		-
	Forfeited		(2,474	)		13.34
	Outstanding at December 31, 2014		407,130		$	6.31
	A summary of the weighted-average assumptions used in the Black-Scholes option pricing model for grants of stock options follows (no stock options were granted in 2014):
		2013			2012
	Expected dividend yield		0.31	%		0.74	%
	Risk-free interest rate		1.12			0.88
	Expected life (in years)		6			6
	Expected volatility		101.3	%		100.01	%
	Per share weighted-average grant date fair value	$	4.98		$	2.04
	The risk-free interest rate for the expected term of the option is based on the U.S. Treasury yield curve in effect at the time of the grant. The expected life was obtained using a simplified method that, in general, averaged the vesting term and original contractual term of the stock option. This method was used as relevant historical data of actual exercise activity was very limited. The expected volatility was based on historical volatility of our common stock.
	Certain information regarding options exercised during the periods ending December 31 follows:
		2014			2013			2012
		(In thousands)
	Intrinsic value	$	321		$	117		$	3
	Cash proceeds received	$	96		$	39		$	4
	Tax benefit realized	$	112		$	-		$	-
	We maintain 401(k) and employee stock ownership plans covering substantially all of our full-time employees. We have historically matched employee contributions to the 401(k) plan up to a maximum of 3% of participating employees’ eligible wages. The match of employee contributions was 2% in 2014, 1% in 2013 and zero in 2012. Contributions to the employee stock ownership plan are determined annually and require approval of our Board of Directors. The maximum contribution is 6% of employees’ eligible wages. Contributions to the employee stock ownership plan were 2% for 2014 and 3% for 2013 and 2012. Amounts expensed for these retirement plans were $1.0 million, $1.2 million, and $1.0 million in 2014, 2013 and 2012, respectively.
	Our officers participate in various performance-based compensation plans. Amounts expensed for all incentive plans totaled $4.2 million, $5.0 million and $4.0 million, in 2014, 2013 and 2012, respectively.
	We also provide certain health care and life insurance programs to substantially all full-time employees. Amounts expensed for these programs totaled $3.9 million, $3.8 million and $4.9 million in 2014, 2013 and 2012 respectively. These insurance programs are also available to retired employees at their own expense.

OTHER_NONINTEREST_INCOME

OTHER NON-INTEREST INCOME	12 Months Ended
	Dec. 31, 2014
Other Non-Interest Income [Abstract]
OTHER NON-INTEREST INCOME	NOTE 15 – OTHER NON-INTEREST INCOME
	Other non-interest income for the years ended December 31 follows:
		2014		2013		2012
		(In thousands)
	Investment and insurance commissions		1,814		1,709		2,146
	ATM fees		1,599		1,661		2,140
	Bank owned life insurance		1,371		1,363		1,622
	Other real estate rental income		1,295		1,471		1,773
	Other		2,852		2,333		3,353
	Total other non-interest income	$	8,931	$	8,537	$	11,034

DERIVATIVE_FINANCIAL_INSTRUMEN

DERIVATIVE FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2014
DERIVATIVE FINANCIAL INSTRUMENTS [Abstract]
DERIVATIVE FINANCIAL INSTRUMENTS	NOTE 16 – DERIVATIVE FINANCIAL INSTRUMENTS
	We are required to record derivatives on our 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 at December 31 follow:
			2014
							Average
			Notional				Maturity				Fair
			Amount				(years)				Value
			(Dollars in thousands)
	No hedge designation
	Rate-lock mortgage loan commitments		$	16,759				0.1			$	437
	Mandatory commitments to sell mortgage loans			38,600				0.1				(184	)
	Pay-fixed interest rate swap agreements			3,300				9.4				(182	)
	Pay-variable interest rate swap agreements			3,300				9.4				182
	Total		$	61,959				1.1			$	253
				2013
							Average
			Notional				Maturity				Fair
			Amount				(years)				Value
			(Dollars in thousands)
	No hedge designation
	Rate-lock mortgage loan commitments		$	15,754				0.1			$	366
	Mandatory commitments to sell mortgage loans			35,412				0.1				128
	Total		$	51,166				0.1			$	494
	We have established management objectives and strategies that include interest-rate risk parameters for maximum fluctuations in net interest income and market value of portfolio equity. We monitor our interest rate risk position via simulation modeling reports. The goal of our asset/liability management efforts is to maintain profitable financial leverage within established risk parameters.
	To meet our asset/liability management objectives, we may periodically enter into derivative financial instruments to mitigate exposure to fluctuations in cash flows resulting from changes in interest rates (“Cash Flow Hedges”).  Cash Flow Hedges during 2013 and 2012 included certain pay-fixed interest rate swaps which converted the variable-rate cash flows on debt obligations to fixed-rates.  During the second quarter of 2013 we terminated our last Cash Flow Hedge pay-fixed interest rate swap and paid a termination fee of $0.6 million. The remaining unrealized loss on the terminated pay-fixed interest rate swap which was equal to this termination fee is included in accumulated other comprehensive income and is being amortized into earnings over the remaining original life of the pay-fixed interest rate swap.
	Through certain special purposes entities (see note #10) we issued trust preferred securities as part of our capital management strategy. Certain of these trust preferred securities are variable rate which exposes us to variability in cash flows. To mitigate our exposure to fluctuations in cash flows resulting from changes in interest rates, on approximately $20.0 million of variable rate trust preferred securities, we entered into a pay-fixed interest rate swap agreement in September, 2007. During the fourth quarter of 2009, we elected to defer payment of interest on these variable rate trust preferred securities. As a result, this pay-fixed interest rate swap was transferred to a no hedge designation and the $1.6 million unrealized loss, which was included as a component of accumulated other comprehensive loss at the time of the transfer, was reclassified into earnings through September 2012, which was the remaining life of this pay-fixed interest rate swap.
	Certain derivative financial instruments have not been designated as hedges. The fair value of these derivative financial instruments has been recorded on our 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 earnings.
	In the ordinary course of business, we enter into rate-lock mortgage loan commitments with customers (“Rate-Lock Commitments”).  These commitments expose us to interest rate risk.  We also enter into mandatory commitments to sell mortgage loans (“Mandatory Commitments”) to reduce the impact of price fluctuations of mortgage loans held for sale and Rate-Lock Commitments.  Mandatory Commitments help protect our loan sale profit margin from fluctuations in interest rates. The changes in the fair value of Rate Lock Commitments and Mandatory Commitments are recognized currently as part of net gains on mortgage loans.  We obtain market prices on Mandatory Commitments and Rate-Lock Commitments.  Net gains on mortgage loans, as well as net income, may be more volatile as a result of these derivative instruments, which are not designated as hedges.
	During 2014, we began 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 Consolidated Statements of Operations.  All of the interest rate swap agreements in the table above relate to this program.
	During the second quarter of 2014, we completed a securities trade in which we shorted a $13 million UST security.  This UST short was terminated during the fourth quarter of 2014 and the change in the fair value of the short position from the inception date to the termination date has been recorded in gain on securities in our Consolidated Statements of Operations.
	During 2010, we entered into an amended and restated warrant with the UST that would allow them to purchase our common stock at a fixed price (see Note #12). Because of certain anti-dilution features included in the Amended Warrant, it was not considered to have been indexed to our common stock and was therefore accounted for as a derivative instrument and recorded as a liability. Any change in value of the Amended Warrant while it was accounted for as a derivative was recorded in other income in our Consolidated Statements of Operations.  However, the anti-dilution features in the Amended Warrant which caused it to be accounted for as a derivative and included in accrued expenses and other liabilities expired on April 16, 2013.  As a result, the Amended Warrant was reclassified into shareholders’ equity on that date at its then fair value which totaled $1.5 million.  During the third quarter of 2013, we repurchased the Amended Warrant from the UST (see Note #12).
	The following tables illustrate the impact that the derivative financial instruments discussed above have on individual line items in the Consolidated Statements of Financial Condition for the periods presented:
	Fair Values of Derivative Instruments
		Asset Derivatives										Liability Derivatives
		December 31,										December 31,
		2014					2013					2014					2013
		Balance					Balance					Balance					Balance
		Sheet	Fair				Sheet	Fair				Sheet	Fair				Sheet	Fair
		Location	Value				Location	Value				Location	Value				Location	Value
		(In thousands)
	Derivatives not designated as hedging instruments
	Rate-lock mortgage loan commitments	Other assets		$	437		Other assets		$	366		Other liabilities		$	-		Other liabilities		$	-
	Mandatory commitments to sell mortgage loans	Other assets			-		Other assets			128		Other liabilities			184		Other liabilities			-
	Pay-fixed interest rate swap agreements	Other assets			-		Other assets			-		Other liabilities			182		Other liabilities			-
	Pay-variable interest rate swap agreements	Other assets			182		Other assets			-		Other liabilities			-		Other liabilities			-
	Total derivatives			$	619				$	494				$	366				$	-
	The effect of derivative financial instruments on the Consolidated Statements of Operations follows:
	Year Ended December 31,
														Location of
														Gain (Loss)
														Reclassified
														from
		Gain (Loss)												Accumulated	Gain (Loss)
		Recognized in												Other	Reclassified from
		Other												Comprehensive	Accumulated Other
		Comprehensive												Income (Loss)	Comprehensive												Location of	Gain (Loss)
		Income (Loss)												into Income	Loss into Income												Gain (Loss)	Recognized
		(Effective Portion)												(Effective	(Effective Portion)												Recognized	in Income(1)
		2014				2013				2012				Portion)	2014				2013				2012				in Income(1)	2014				2013				2012
		(In thousands)
	Cash Flow Hedges
	Pay-fixed interest rate swap agreements		$	-			$	(37	)		$	(127	)	Interest expense		$	(380	)		$	(397	)		$	(927	)	Interest expense		$	-			$	-			$	-
	Total		$	-			$	(37	)		$	(127	)			$	(380	)		$	(397	)		$	(927	)			$	-			$	-			$	-
	No hedge designation
Rate-lock mortgage loan commitments																										Mortgage loan gains		$	71			$	(1,002	)		$	511
Mandatory commitments to sell mortgage loans																										Mortgage loan gains			(312	)			250				484
Pay-fixed interest rate swap agreements																										Interest income			(182	)			-				-
Pay-variable interest rate swap agreements																										Interest income			182				-				-
UST short position																										Gain on securities			295				-				-
Amended Warrant																										Decrease in fair value of U.S. Treasury warrant			-				(1,025	)			(285	)
Total																												$	54			$	(1,777	)		$	710
_________________
(1)    For cash flow hedges, this location and amount refers to the ineffective portion.

RELATED_PARTY_TRANSACTIONS

RELATED PARTY TRANSACTIONS	12 Months Ended
	Dec. 31, 2014
RELATED PARTY TRANSACTIONS [Abstract]
RELATED PARTY TRANSACTIONS	NOTE 17 – RELATED PARTY TRANSACTIONS
	Certain of our directors and executive officers, including companies in which they are officers or have significant ownership, were loan and deposit customers during 2014 and 2013.
	A summary of loans to our directors and executive officers whose borrowing relationship (which includes loans to entities in which the individual owns a 10% or more voting interest) exceeds $60,000 for the years ended December 31 follows:
		2014			2013
		(In thousands)
	Balance at beginning of year	$	351		$	208
	New loans and advances		-			240
	Repayments		(135	)		(97	)
	Balance at end of year	$	216		$	351
	Deposits held by us for directors and executive officers totaled $1.0 million and $0.8 million at December 31, 2014 and 2013, respectively.

LEASES

LEASES	12 Months Ended
	Dec. 31, 2014
LEASES [Abstract]
LEASES	NOTE 18 – LEASES
	We have non-cancelable operating leases for certain office facilities, some of which include renewal options and escalation clauses.
	A summary of future minimum lease payments under non-cancelable operating leases at December 31, 2014, follows:
		(In thousands)
	2015	$	1,254
	2016		767
	2017		686
	2018		652
	2019		561
	2020 and thereafter		783
	Total	$	4,703
	Rental expense on operating leases totaled $1.3 million, $1.2 million and $1.2 million in 2014, 2013 and 2012, respectively.

CONCENTRATIONS_OF_CREDIT_RISK

CONCENTRATIONS OF CREDIT RISK	12 Months Ended
	Dec. 31, 2014
CONCENTRATIONS OF CREDIT RISK [Abstract]
CONCENTRATIONS OF CREDIT RISK	NOTE 19 – CONCENTRATIONS OF CREDIT RISK
	Credit risk is the risk to earnings and capital arising from an obligor’s failure to meet the terms of any contract with our organization or otherwise fail to perform as agreed. Credit risk can occur outside of our traditional lending activities and can exist in any activity where success depends on counterparty, issuer or borrower performance. Concentrations of credit risk (whether on- or off-balance sheet) arising from financial instruments can exist in relation to individual borrowers or groups of borrowers, certain types of collateral, certain types of industries or certain geographic regions. Credit risk associated with these concentrations could arise when a significant amount of loans or other financial instruments, related by similar characteristics, are simultaneously impacted by changes in economic or other conditions that cause their probability of repayment or other type of settlement to be adversely affected. Our major concentrations of credit risk arise by collateral type and by industry. The significant concentrations by collateral type at December 31, 2014, include $519.6 million of loans secured by residential real estate and $54.6 million of construction and development loans. In addition, we have a concentration of credit within the vehicle service contract industry. At December 31, 2014, we had $40.0 million of payment plan receivables. Our recourse for nonpayment of these payment plan receivables is against our counterparties operating within the vehicle service contract industry.
	Additionally, within our commercial real estate and commercial loan portfolio, we had significant standard industry classification concentrations in the following categories as of December 31, 2014: Lessors of Nonresidential Real Estate ($222.8 million); Lessors of Residential Real Estate ($66.4 million); Health Care and Social Assistance ($65.9 million) and Construction General Contractors and Land Development ($59.3 million). A geographic concentration arises because we primarily conduct our lending activities in the State of Michigan.
	Our concentration of credit within the vehicle service contract industry relates to the business operated by our subsidiary, Mepco. This business and certain risks associated with this business are described in note #11 above. In addition, see note #4 above for a breakdown of Mepco’s payment plan receivables by the level of recourse Mepco has against various counterparties. Mepco monitors counterparty concentrations in order to attempt to manage our exposure for contractual obligations from its counterparties. In addition, even where an insurance company or risk retention group does not have a guarantee obligation to Mepco, the failure of the insurance company or risk retention group could result in a mass cancellation of the vehicle service contracts (and the related payment plans) insured by such entity. Such a mass cancellation would trigger and accelerate the contractual obligations of the counterparties that did have such obligations to Mepco. The counterparty concentration levels are managed based on the AM Best rating and statutory surplus level for an insurance company and on other factors including financial evaluation, collateral, funding holdbacks, guarantees, and distribution of concentrations for vehicle service contract administrators and vehicle service contract sellers/dealers.
	The five largest concentrations by insurance company, risk retention group or other party backing the service contract represents approximately 27.1%, 25.0%, 17.2%, 15.5% and 12.5%, respectively, of Mepco’s payment plan receivables at December 31, 2014. These companies have provided the insurance coverage for the vehicle service contracts underlying the payment plan receivables; however, these companies are not all obligated to Mepco for the repayment of the payment plan receivables upon cancellation of the underlying vehicle service contracts and payment plans. Mepco has varying levels of recourse against such companies. Still, the failure of any insurer backing service contracts related to Mepco’s payment plan receivables could have an adverse effect on Mepco’s collection of those receivables.
	The top five vehicle service contract sellers from which Mepco purchases payment plans represent approximately 35.7%, 12.9%, 10.9%, 10.4% and 8.8%, respectively of Mepco’s payment plan receivables at December 31, 2014. See note #11 for additional information on Mepco counterparties.

REGULATORY_MATTERS

REGULATORY MATTERS	12 Months Ended
	Dec. 31, 2014
REGULATORY MATTERS [Abstract]
REGULATORY MATTERS	NOTE 20 – 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’s 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 December 31, 2014, the Bank had negative undivided profits of $31.1 million.  We can request regulatory approval for a return of capital from the Bank to the parent company. During the first quarter of 2014, we requested regulatory approval for a $15.0 million return of capital from the Bank to the parent company.  This return of capital request was approved by our banking regulators on March 28, 2014 and the Bank returned $15.0 million of capital to the parent company on April 9, 2014.  During January of 2015, we requested regulatory approval for an additional $18.5 million return of capital from the Bank to the parent company.  This return of capital request was approved by our banking regulators on February 13, 2015, and the Bank returned $18.5 million of capital to the parent company on February 17, 2015.  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 and Tier 1 capital to risk-weighted assets and Tier 1 capital to average assets. Failure to meet minimum capital requirements can initiate 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 December 31, 2014 and 2013 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.
	Our actual capital amounts and ratios at December 31 follow:
								Minimum for						Minimum for
								Adequately Capitalized						Well-Capitalized
		Actual						Institutions						Institutions
		Amount			Ratio			Amount			Ratio			Amount		Ratio
		(Dollars in thousands)
	2014
	Total capital to risk-weighted assets
	Consolidated	$	265,163			18.06	%	$	117,427			8	%	NA		NA
	Independent Bank		247,883			16.9			117,374			8			146,718		10	%
	Tier 1 capital to risk-weighted assets
	Consolidated	$	246,628			16.8	%	$	58,714			4	%	NA		NA
	Independent Bank		229,361			15.63			58,687			4			88,031		6	%
	Tier 1 capital to average assets
	Consolidated	$	246,628			11.18	%	$	88,206			4	%	NA		NA
	Independent Bank		229,361			10.46			87,687			4			109,609		5	%
	2013
	Total capital to risk-weighted assets
	Consolidated	$	245,284			17.35	%	$	113,086			8	%	NA		NA
	Independent Bank		234,078			16.57			113,013			8		$	141,267		10	%
	Tier 1 capital to risk-weighted assets
	Consolidated	$	227,338			16.08	%	$	56,543			4	%	NA		NA
	Independent Bank		216,146			15.3			56,507			4		$	84,760		6	%
	Tier 1 capital to average assets
	Consolidated	$	227,338			10.61	%	$	85,729			4	%	NA		NA
	Independent Bank		216,146			10.09			85,681			4		$	107,101		5	%
	NA - Not applicable
	The components of our regulatory capital are as follows:
		Consolidated						Independent Bank
		December 31,						December 31,
		2014			2013			2014			2013
		(In thousands)
	Total shareholders' equity	$	250,371		$	231,581		$	257,832		$	250,306
	Add (deduct)
	Qualifying trust preferred securities		34,500			39,500			-			-
	Accumulated other comprehensive loss		5,636			9,245			5,636			9,245
	Intangible assets		(2,627	)		(3,163	)		(2,627	)		(3,163	)
	Disallowed deferred tax assets		(40,500	)		(49,609	)		(30,728	)		(40,026	)
	Disallowed capitalized mortgage loan servicing rights		(752	)		(216	)		(752	)		(216	)
	Tier 1 capital		246,628			227,338			229,361			216,146
	Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		18,535			17,946			18,522			17,932
	Total risk-based capital	$	265,163		$	245,284		$	247,883		$	234,078

FAIR_VALUE_DISCLOSURES

FAIR VALUE DISCLOSURES	12 Months Ended
	Dec. 31, 2014
FAIR VALUE DISCLOSURES [Abstract]
FAIR VALUE DISCLOSURES	NOTE 21 – 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:  Where quoted market prices are available in an active market, securities (trading or available for sale) are classified as Level 1 of the valuation hierarchy.  Level 1 securities include certain preferred stocks included in our trading portfolio for which there are quoted prices in active markets.  If quoted market prices are not available for the specific security, then fair values are estimated by (1) using quoted market prices of securities with similar characteristics, (2) matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for specific securities but rather by relying on the securities’ relationship to other benchmark quoted prices, or (3) a discounted cash flow analysis whose significant fair value inputs can generally be verified and do not typically involve judgment by management. These securities are classified as Level 2 of the valuation hierarchy and include agency securities, private label residential mortgage-backed securities, other asset backed securities, municipal securities, trust preferred securities and corporate securities.
	Loans held for sale:  The fair value of mortgage loans held for sale is based on mortgage backed security pricing for comparable assets (recurring Level 2).
	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 December 31, 2014 and 2013, all of our total 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.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments can be significant and thus will typically result in a Level 3 classification of the inputs for determining fair value.
	Other real estate:  At the time of acquisition, other real estate is recorded at fair value, less estimated costs to sell, which becomes the property’s new basis. Subsequent write-downs to reflect declines in value since the time of acquisition may occur from time to time and are recorded in net (gains) losses on other real estate and repossessed assets in the Consolidated Statements of Operations. The fair value of the property used at and subsequent to the time of acquisition is typically determined by a third party appraisal of the property.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments can be significant and typically result in a Level 3 classification of the inputs for determining fair value.
	Appraisals for both collateral-dependent impaired loans and other real estate owned 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.  In addition, we will adjust the appraised values for expected liquidation costs including sales commissions and transfer taxes.
	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 nonrecurring Level 3.  Management evaluates the third party valuation for reasonableness each quarter as part of our financial reporting control processes.
	Derivatives:  The fair value of rate-lock mortgage loan commitments and mandatory commitments to sell mortgage loans is based on mortgage backed security pricing for comparable assets (recurring Level 2).  The fair value of interest rate swap agreements is based on a discounted cash flow analysis whose significant fair value inputs can generally be observed in the market place and do not typically involve judgment by management (recurring Level 2).
	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
							Quoted
							Prices
							in Active
							Markets				Significant			Significant
							for				Other			Un-
			Fair Value				Identical				Observable			observable
			Measure-				Assets				Inputs			Inputs
			ments				(Level 1)				(Level 2)			(Level 3)
			(In thousands)
	December 31, 2014:
	Measured at Fair Value on a Recurring Basis:
	Assets
	Trading securities		$	203			$	203			$	-		$	-
	Securities available for sale
	U.S. agency			35,006				-				35,006			-
	U.S. agency residential mortgage-backed			257,558				-				257,558			-
	U.S. agency commercial mortgage-backed			33,728				-				33,728			-
	Private label residential mortgage-backed			6,013				-				6,013			-
	Other asset backed			32,353				-				32,353			-
	Obligations of states and political subdivisions			143,415				-				143,415			-
	Corporate			22,664				-				22,664			-
	Trust preferred			2,441				-				2,441			-
	Loans held for sale			23,662				-				23,662			-
	Derivatives (1)			619				-				619			-
	Liabilities
	Derivatives (2)			366				-				366			-
	Measured at Fair Value on a Non-recurring basis:
	Assets
	Capitalized mortgage loan servicing rights (3)			9,197				-				-			9,197
	Impaired loans (4)
	Commercial
	Income producing - real estate			869				-				-			869
	Land, land development & construction-real estate			354				-				-			354
	Commercial and industrial			2,601				-				-			2,601
	Mortgage
	1-4 Family			1,306				-				-			1,306
	Other real estate (5)
	Commercial
	Income producing - real estate			479				-				-			479
	Land, land development & construction-real estate			737				-				-			737
	Mortgage
	1-4 Family			102				-				-			102
	Resort Lending			575				-				-			575
	Installment
	Home equity - 1st lien			13				-				-			13
	___________________
	(1) Included in accrued income and other assets
	(2) Included in accrued expenses and other liabilities
(3) Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance.
(4) Only includes impaired loans with specific loss allocations based on collateral value.
(5) Only includes other real estate with subsequent write downs to fair value.
						Fair Value Measurements Using
						Quoted
						Prices
						in Active
						Markets				Significant			Significant
						for				Other			Un-
		Fair Value				Identical				Observable			observable
		Measure-				Assets				Inputs			Inputs
		ments				(Level 1)				(Level 2)			(Level 3)
		(In thousands)
December 31, 2013:
Measured at Fair Value on a Recurring Basis:
Assets
Trading securities		$	498			$	498			$	-		$	-
Securities available for sale
U.S. agency			31,808				-				31,808			-
U.S. agency residential mortgage-backed			203,460				-				203,460			-
Private label residential mortgage-backed			6,788				-				6,788			-
Other asset backed			45,185				-				45,185			-
Obligations of states and political subdivisions			153,678				-				153,678			-
Corporate			19,137				-				19,137			-
Trust preferred			2,425				-				2,425			-
Loans held for sale			20,390				-				20,390			-
Derivatives (1)			494				-				494			-
Liabilities
Derivatives (2)			-				-				-			-
Measured at Fair Value on a Non-recurring basis:
Assets
Capitalized mortgage loan servicing rights (3)			7,773				-				-			7,773
Impaired loans (4)
Commercial
Income producing - real estate			1,997				-				-			1,997
Land, land development & construction-real estate			673				-				-			673
Commercial and industrial			2,927				-				-			2,927
Mortgage
1-4 Family			1,455				-				-			1,455
Resort Lending			340				-				-			340
Other real estate (5)
Commercial
Income producing - real estate			559				-				-			559
Land, land development & construction-real estate			1,047				-				-			1,047
Mortgage
1-4 Family			337				-				-			337
Resort Lending			1,257				-				-			1,257
Installment
Home equity - 1st lien			29				-				-			29
Payment plan receivables
Full refund/partial refund			2,668				-				-			2,668
_____________________
(1) Included in accrued income and other assets
(2) Included in accrued expenses and other liabilities
(3) Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance.
(4) Only includes impaired loans with specific loss allocations based on collateral value.
(5) Only includes other real estate with subsequent write downs to fair value.
There were no transfers between Level 1 and Level 2 during the years ended December 31, 2014 and 2013.
Changes in fair values of financial assets for which we have elected the fair value option for the years ended December 31 were as follows:
										Total
										Change
										in Fair
										Values
										Included
		Net Gains (Losses)								in Current
		on Assets								Period
		Securities				Loans				Earnings
	(In thousands)
2014
Trading securities		$	(295	)		$	-			$	(295	)
Loans held for sale			-				258				258
2013
Trading securities		$	388			$	-			$	388
Loans held for sale			-				(1,477	)			(1,477	)
2012
Trading securities		$	33			$	-			$	33
Loans held for sale			-				440				440
For those items measured at fair value pursuant to our election of the fair value option, interest income is recorded within the 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.
The following represent impairment charges recognized during the years ended December 31, 2014, 2013 and 2012 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 $9.2 million, which is net of a valuation allowance of $3.8 million, at December 31, 2014, and had a carrying amount of $7.8 million, which is net of a valuation allowance of $2.9 million, at December 31, 2013.  A recovery (charge) of $(0.9) million, $3.2 million and $0.5 million was included in our results of operations for the years ending December 31, 2014, 2013 and 2012, respectively.
	●	Loans which are measured for impairment using the fair value of collateral for collateral dependent loans had a carrying amount of $8.2 million, with a valuation allowance of $3.1 million at December 31, 2014, and had a carrying amount of $10.8 million, with a valuation allowance of $3.4 million at December 31, 2013.  An additional provision for loan losses relating to impaired loans of $2.1 million, $1.5 million and $2.0 million was included in our results of operations for the years ending December 31, 2014, 2013 and 2012, respectively.
	·	Other real estate, which is measured using the fair value of the property, had a carrying amount of $1.9 million which is net of a valuation allowance of $2.5 million at December 31, 2014, and a carrying amount of $5.9 million, which is net of a valuation allowance of $4.0 million, at December 31, 2013.  An additional charge relating to ORE measured at fair value of $0.3 million, $1.6 million and $1.5 million was included in our results of operations during the years ended December 31, 2014, 2013 and 2012, respectively.
A reconciliation for all liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31 follows:
		(Liability)
		Amended Warrant
		2014				2013
		(In thousands)
Beginning balance		$	-			$	(459	)
Total gains (losses) realized and unrealized:
Included in results of operations			-				(1,025	)
Included in other comprehensive income			-				-
Purchases, issuances, settlements, maturities and calls			-				-
Reclassification to shareholders' equity			-				1,484
Transfers in and/or out of Level 3			-				-
Ending balance		$	-			$	-
Amount of total gains (losses) for the year included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at December 31		$	-			$	-
Because of certain anti-dilution features included in the Amended Warrant, it was not considered to be indexed to our common stock and was therefore accounted for as a derivative instrument (see note #16). Any change in value of this warrant was recorded in other income in our Consolidated Statements of Operations.  However, the anti-dilution features in the Amended Warrant which caused it to be accounted for as a derivative and included in accrued expenses and other liabilities expired on April 16, 2013.  As a result, the Amended Warrant was reclassified into shareholders’ equity on that date at its then fair value which totaled $1.5 million.  During the third quarter of 2013, we repurchased the Amended Warrant from the UST (see note #12).
Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows:
		Asset
		(Liability)
		Fair			Valuation		Unobservable		Weighted
		Value			Technique		Inputs		Average
		(In thousands)
2014
Capitalized mortgage loan servicing rights		$	9,197		Present value of net servicing revenue		Discount rate			10.07	%
							Cost to service		$	82
							Ancillary income			25
							Float rate			1.77	%
Impaired loans Commercial (1)			2,751		Sales comparison approach		Adjustment for differences between comparable sales			(3.8	)%
					Income approach		Capitalization rate			9.3
Mortgage			1,306		Sales comparison approach		Adjustment for differences between comparable sales			8.6
			1,216		Sales comparison approach		Adjustment for differences between comparable sales			(9.0	)
Other real estate Commercial
Mortgage and installment			690		Sales comparison approach		Adjustment for differences between comparable sales			34.3
2013
Capitalized mortgage loan servicing rights		$	7,773		Present value of net servicing revenue		Discount rate			10.09	%
							Cost to service		$	81
							Ancillary income			29
							Float rate			1.79	%
Impaired loans Commercial			5,597		Sales comparison approach		Adjustment for differences between comparable sales			(1.9	)%
					Income approach		Capitalization rate			9.3
Mortgage			1,795		Sales comparison approach		Adjustment for differences between comparable sales			3.2
Other real estate Commercial			1,606		Sales comparison approach		Adjustment for differences between comparable sales			(5.7	)
Mortgage and installment			1,623		Sales comparison approach		Adjustment for differences between comparable sales			55.7
Payment plan receivables			2,668		Sales comparison approach		Adjustment for differences between comparable sales			10.4
_____________________
(1) In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2014 we had an impaired collateral dependent commercial relationship that totaled $1.1 million that was primarily secured by collateral other than real estate.  Collateral securing this relationship primarily included machinery and equipment, accounts receivable, inventory and company stock.  Valuation techniques included discounting cost and financial statement value approaches based on estimates of value recovery of each particular asset type.  Discount rates used ranged from 35% 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 at December 31.
		Aggregate								Contractual
		Fair Value				Difference				Principal
		(In thousands)
Loans held for sale
2014		$	23,662			$	624			$	23,038
2013			20,390				366				20,024
2012			47,487				1,843				45,644

FAIR_VALUES_OF_FINANCIAL_INSTR

FAIR VALUES OF FINANCIAL INSTRUMENTS	12 Months Ended
	Dec. 31, 2014
Fair Values of Financial Instruments [Abstract]
FAIR VALUES OF FINANCIAL INSTRUMENTS	NOTE 22 – 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 cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
	Estimated fair values have been determined using available data and methodologies that are considered suitable for each category of financial instrument. For instruments with adjustable-interest rates which reprice frequently and without significant credit risk, it is presumed that estimated fair values approximate the recorded book balances.
	Cash and due from banks and interest bearing deposits:  The recorded book balance of cash and due from banks and interest bearing deposits approximate fair value and are classified as Level 1.
	Interest bearing deposits - time:  Interest bearing deposits - time have been valued based on a model using a benchmark yield curve plus a base spread and are classified as Level 2.
	Securities:  Financial instrument assets actively traded in a secondary market have been valued using quoted market prices.  Trading securities are classified as Level 1 while securities available for sale are classified as Level 2 as described in note #21.
	Federal Home Loan Bank and Federal Reserve Bank Stock:  It is not practicable to determine the fair value of FHLB and FRB Stock due to restrictions placed on transferability.
	Net loans and loans held for sale:  The fair value of loans is calculated by discounting estimated future cash flows using estimated market discount rates that reflect credit and interest-rate risk inherent in the loans resulting in a Level 3 classification.  Impaired loans are valued at the lower of cost or fair value as described in Note #21.  Loans held for sale are classified as Level 2 as described in Note #21.
	Accrued interest receivable and payable:  The recorded book balance of accrued interest receivable and payable approximate fair value and are classified at the same Level as the asset and liability they are associated with.
	Derivative financial instruments:  The fair value of rate-lock mortgage loan commitments and mandatory commitments to sell mortgage loans is based on mortgage backed security pricing for comparable assets, while the fair value of interest rate swap agreements is based on a discounted cash flow analysis whose significant fair value inputs can generally be observed in the market place and do not typically involve judgment by management. Each of these instruments has been classified as Level 2 as described in note #21.
	Deposits:  Deposits without a stated maturity, including demand deposits, savings, NOW and money market accounts, have a fair value equal to the amount payable on demand.  Each of these instruments is classified as Level 1.  Deposits with a stated maturity, such as certificates of deposit, have generally been valued based on the discounted value of contractual cash flows using a discount rate approximating current market rates for liabilities with a similar maturity resulting in a Level 2 classification.
	Other borrowings:  FHLB advances have been valued based on the discounted value of contractual cash flows using a discount rate approximating current market rates for liabilities with a similar maturity resulting in a Level 2 classification.
	Subordinated debentures:  Subordinated debentures have generally been valued based on a quoted market price of similar instruments resulting in a Level 2 classification.
	The estimated recorded book balances and fair values follow:
						Fair Value Using
						Quoted
						Prices
						in Active
						Markets		Significant		Significant
						for		Other		Un-
		Recorded				Identical		Observable		observable
		Book				Assets		Inputs		Inputs
		Balance		Fair Value		(Level 1)		(Level 2)		(Level 3)
		(In thousands)
	2014
	Assets
	Cash and due from banks	$	48,326	$	48,326	$	48,326	$	-	$	-
	Interest bearing deposits		25,690		25,690		25,690		-		-
	Interest bearing deposits - time		13,561		13,585		-		13,585		-
	Trading securities		203		203		203		-		-
	Securities available for sale		533,178		533,178		-		533,178		-
	Federal Home Loan Bank and Federal Reserve Bank Stock		19,919	NA		NA		NA		NA
	Net loans and loans held for sale		1,407,634		1,394,424		-		23,662		1,370,762
	Accrued interest receivable		5,995		5,995		2		1,599		4,394
	Derivative financial instruments		619		619		-		619		-
	Liabilities
	Deposits with no stated maturity (1)	$	1,534,175	$	1,534,175	$	1,534,175	$	-	$	-
	Deposits with stated maturity (1)		390,127		389,139		-		389,139		-
	Other borrowings		12,470		14,560		-		14,560		-
	Subordinated debentures		35,569		23,328		-		23,328		-
	Accrued interest payable		380		380		21		359		-
	Derivative financial instruments		366		366		-		366		-
	2013
	Assets
	Cash and due from banks	$	48,156	$	48,156	$	48,156	$	-	$	-
	Interest bearing deposits		70,925		70,925		70,925		-		-
	Interest bearing deposits - time		17,999		18,000		-		18,000		-
	Trading securities		498		498		498		-		-
	Securities available for sale		462,481		462,481		-		462,481		-
	Federal Home Loan Bank and Federal Reserve Bank Stock		23,419	NA		NA		NA		NA
	Net loans and loans held for sale		1,362,635		1,333,229		-		20,390		1,312,839
	Accrued interest receivable		5,948		5,948		1		1,426		4,521
	Derivative financial instruments		494		494		-		494		-
	Liabilities
	Deposits with no stated maturity (1)	$	1,440,225	$	1,440,225	$	1,440,225	$	-	$	-
	Deposits with stated maturity (1)		444,581		446,366		-		446,366		-
	Other borrowings		17,188		19,726		-		19,726		-
	Subordinated debentures		40,723		27,871		-		27,871		-
	Accrued interest payable		445		445		20		425		-
	Derivative financial instruments		-		-		-		-		-
	______________________
	(1)  Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $13.6 million and $11.2 million at December 31, 2014 and 2013, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $40.1 million and $72.3 million at December 31, 2014 and 2013, 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.

OPERATING_SEGMENTS

OPERATING SEGMENTS	12 Months Ended
	Dec. 31, 2014
OPERATING SEGMENTS [Abstract]
OPERATING SEGMENTS	NOTE 23 – OPERATING SEGMENTS
	Our reportable segments are based upon legal entities.  We currently have two reportable segments:  Independent Bank (“IB” or “Bank”) and Mepco.  These business segments are also differentiated based on the products and services provided.  We evaluate performance based principally on net income (loss) of the respective reportable segments.
	In the normal course of business, our IB segment provides funding to our Mepco segment through an intercompany line of credit priced at the prime rate of interest as published in the Wall Street Journal. Our IB segment also provides certain administrative services to our Mepco segment which are reimbursed at an agreed upon rate. These intercompany transactions are eliminated upon consolidation. The only other material intersegment balances and transactions are investments in subsidiaries at the parent entities and cash balances on deposit at our IB segment.
	A summary of selected financial information for our reportable segments follows:
		IB			Mepco			Other(1)(2)			Elimination(3)			Total
		(In thousands)
	2014
	Total assets	$	2,174,536		$	63,378		$	286,158		$	(275,342	)	$	2,248,730
	Interest income		73,551			7,004			64			(64	)		80,555
	Net interest income		68,948			5,706			(1,398	)		-			73,256
	Provision for loan losses		(3,098	)		(38	)		-			-			(3,136	)
	Income (loss) before income tax		25,845			561			(1,095	)		(95	)		25,216
	Net income (loss)		18,550			366			(712	)		(183	)		18,021
	2013
	Total assets	$	2,104,550		$	94,648		$	272,348		$	(261,603	)	$	2,209,943
	Interest income		76,018			11,103			-			-			87,121
	Net interest income		71,496			8,780			(2,317	)		-			77,959
	Provision for loan losses		(3,891	)		(97	)		-			-			(3,988	)
	Income (loss) before income tax		29,605			(2,891	)		(3,961	)		(95	)		22,658
	Net income (loss)		74,313			(1,801	)		5,092			(95	)		77,509
	2012
	Total assets	$	1,885,807		$	135,447		$	192,343		$	(189,730	)	$	2,023,867
	Interest income		84,760			14,638			-			-			99,398
	Net interest income		77,919			11,115			(2,779	)		-			86,255
	Provision for loan losses		6,895			(8	)		-			-			6,887
	Income (loss) before income tax		27,379			2,591			(3,677	)		(95	)		26,198
	Net income (loss)		28,260			1,710			(3,677	)		(95	)		26,198
	_______________________
	(1) During 2013 IB and Other (parent company) include $47.1 million and $9.0 million, respectively of income tax benefit related to the reversal of the valuation allowance on our net deferred tax assets (see note #13).
	(2) Includes amounts relating to our parent company and certain insignificant operations.
	(3) Includes parent company’s investment in subsidiaries and cash balances maintained at subsidiary.

ACCUMULATED_OTHER_COMPREHENSIV

ACCUMULATED OTHER COMPREHENSIVE LOSS	12 Months Ended
	Dec. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE LOSS [Abstract]
ACCUMULATED OTHER COMPREHENSIVE LOSS	NOTE 24 – ACCUMULATED OTHER COMPREHENSIVE LOSS
	A summary of changes in accumulated other comprehensive  loss  (“AOCL”)  during the  years  ended December 31 follows (1):
						Dispropor-
						tionate									Dispropor-
		Unrealized				Tax Effects									tionate
		Losses on				from			Unrealized			Unrealized			Tax Effects
		Available				Securities			Losses on			Losses on			from Cash
		for Sale				Available			Cash Flow			Settled			Flow
		Securities				for Sale			Hedges			Derivatives			Hedges			Total
									(In thousands)
	2014
	Balances at beginning of period	$	(3,200	)		$	(5,798	)	$	-		$	(247	)	$	-		$	(9,245	)
	Other comprehensive income before reclassifications		3,570				-			-			-			-			3,570
	Amounts reclassified from AOCL		(208	)			-			-			247			-			39
	Net current period other comprehensive income		3,362				-			-			247			-			3,609
	Balances at end of period	$	162			$	(5,798	)	$	-		$	-		$	-		$	(5,636	)
	2013
	Balances at beginning of period	$	(516	)		$	(5,617	)	$	(739	)	$	-		$	(1,186	)	$	(8,058	)
	Income tax		181				(181	)		258			-			(258	)		-
	Balances at beginning of period, net of tax		(335	)			(5,798	)		(481	)		-			(1,444	)		(8,058	)
	Terminated cash flow hedge		-				-			370			(370	)		-			-
	Other comprehensive income before reclassifications		(2,877	)			-			(24	)		-			-			(2,901	)
	Amounts reclassified from AOCL		12				-			135			123			1,444			1,714
	Net current period other comprehensive income (loss)		(2,865	)			-			111			123			1,444			(1,187	)
	Balances at end of period	$	(3,200	)		$	(5,798	)	$	-		$	(247	)	$	-		$	(9,245	)
	2012
	Balances at beginning of period	$	(3,579	)		$	(5,617	)	$	(1,103	)	$	(436	)	$	(1,186	)	$	(11,921	)
	Other comprehensive income (loss) before reclassifications		3,917				-			(127	)		-			-			3,790
	Amounts reclassified from AOCL		(854	)			-			491			436			-			73
	Net current period other comprehensive income		3,063				-			364			436			-			3,863
	Balances at end of period	$	(516	)		$	(5,617	)	$	(739	)	$	-		$	(1,186	)	$	(8,058	)
	____________________________________
	(1) 2014 and 2013 amounts are presented net of tax as we removed substantially all of the valuation allowance on our deferred tax assets during the second quarter of 2013 (see note #13).
	The disproportionate tax effects from securities available for sale and cash flow hedges 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.  During the second quarter of 2013, we terminated our last remaining cash flow hedge and cleared the disproportionate tax effects relating to cash flow hedges from accumulated other comprehensive income (see note #13).
	A summary of reclassifications out of each component of AOCL for the years ended December 31 follows:
		Reclassified
		From			Affected Line Item in
	AOCL Component	AOCL			Consolidated Statements of Operations
		(In thousands)
	2014
	Unrealized losses on available for sale securities
		$	329		Net gains on securities
			(9	)	Net impairment loss recognized in earnings
			320		Total reclassifications before tax
			112		Tax expense (benefit)
		$	208		Reclassifications, net of tax
	Unrealized losses on settled derivatives
		$	(380	)	Interest expense
			(133	)	Tax expense (benefit)
		$	(247	)	Reclassification, net of tax
		$	(39	)	Total reclassifications for the period, net of tax
	2013
	Unrealized losses on available for sale securities
		$	7		Net gains on securities
			(26	)	Net impairment loss recognized in earnings
			(19	)	Total reclassifications before tax
			(7	)	Tax expense (benefit)
		$	(12	)	Reclassifications, net of tax
	Unrealized losses on cash flow hedges
		$	(208	)	Interest expense
			(73	)	Tax expense (benefit)
		$	(135	)	Reclassification, net of tax
	Unrealized losses on settled derivatives
		$	(189	)	Interest expense
		(66	)	Tax expense (benefit)
	$	(123	)	Reclassification, net of tax
Disproportionate tax effects from cash flow hedges	$	1,444		Tax expense (benefit)
	$	(1,714	)	Total reclassifications for the period, net of tax
	Reclassified
	From			Affected Line Item in
AOCL Component	AOCL			Consolidated Statements of Operations
	(In thousands)
2012
Unrealized losses on available for sale securities
	$	1,193		Net gains on securities
		(339	)	Net impairment loss recognized in earnings
		854		Total reclassifications before tax
		-		Tax expense (benefit)
	$	854		Reclassifications, net of tax
Unrealized losses on cash flow hedges
	$	(491	)	Interest expense
		-		Tax expense (benefit)
	$	(491	)	Reclassification, net of tax
Unrealized losses on settled derivatives
	$	(436	)	Interest expense
		-		Tax expense (benefit)
	$	(436	)	Reclassification, net of tax
	$	(73	)	Total reclassifications for the period, net of tax

INDEPENDENT_BANK_CORPORATION_P

INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION	12 Months Ended
	Dec. 31, 2014
INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION [Abstract]
INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION	NOTE 25 – INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION
	Presented below are condensed financial statements for our parent company.
	CONDENSED STATEMENTS OF FINANCIAL CONDITION
		December 31,
		2014			2013
		(In thousands)
	ASSETS
	Cash and due from banks	$	5,174		$	11,654
	Interest bearing deposits - time		12,500			-
	Investment in subsidiaries		258,901			251,529
	Other assets		9,583			9,165
	Total Assets	$	286,158		$	272,348
	LIABILITIES AND SHAREHOLDERS’ EQUITY
	Subordinated debentures	$	35,569		$	40,723
	Other liabilities		382			391
	Shareholders’ equity		250,207			231,234
	Total Liabilities and Shareholders’ Equity	$	286,158		$	272,348
	CONDENSED STATEMENTS OF OPERATIONS
		Year Ended December 31,
		2014			2013			2012
		(In thousands)
	OPERATING INCOME (LOSS)
	Gain on extinguishment of debt	$	500		$	-		$	-
	Gain on securities		295			-			-
	Interest income		64			-			-
	Increase in fair value of U.S. Treasury warrant		-			(1,025	)		(285	)
	Other income		35			63			70
	Total Operating Income (Loss)		894			(962	)		(215	)
	OPERATING EXPENSES
	Interest expense		1,462			2,317			2,779
	Administrative and other expenses		527			682			683
	Total Operating Expenses		1,989			2,999			3,462
	Loss Before Income Tax and Equity in Undistributed Net Income of Subsidiaries		(1,095	)		(3,961	)		(3,677	)
	Income tax benefit		(383	)		(9,053	)		-
	Income (Loss) Before Equity in Undistributed Net Income of Subsidiaries		(712	)		5,092			(3,677	)
	Equity in undistributed net income of subsidiaries		18,733			72,417			29,875
	Net Income	$	18,021		$	77,509		$	26,198
	CONDENSED STATEMENTS OF CASH FLOWS
		Year Ended December 31,
		2014			2013			2012
		(In thousands)
	Net Income	$	18,021		$	77,509		$	26,198
	ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH USED IN OPERATING ACTIVITIES
	Deferred income taxes		(383	)		(8,955	)		-
	Gain on extinguishment of debt		(500	)		-			-
	Gain on securities		(295	)		-			-
	Share based compensation		46			84			184
	(Increase) decrease in other assets		118			738			(46	)
	Increase (decrease) in other liabilities		287			(5,858	)		2,945
	Equity in undistributed net income of subsidiaries operations		(18,733	)		(72,417	)		(29,875	)
	Total Adjustments		(19,460	)		(86,408	)		(26,792	)
	Net Cash Used in Operating Activities		(1,439	)		(8,899	)		(594	)
	CASH FLOW FROM INVESTING ACTIVITIES
	Purchases of interest bearing deposits		(17,500	)		-			-
	Maturity of interest bearing deposits		5,000			-			-
	Return of capital from subsidiary		15,000			7,500			-
	Net Cash From Investing Activities		2,500			7,500			-
	CASH FLOW FROM FINANCING ACTIVITIES
	Dividends paid		(4,129	)		-			-
	Proceeds from issuance of common stock		1,242			100,230			2,244
	Redemption of subordinated debt		(4,654	)		(9,452	)		-
	Redemption of convertible preferred stock and common stock warrant		-			(81,000	)		-
	Share based compensation withholding obligation		-			(513	)		-
	Net Cash From (Used in) Financing Activities		(7,541	)		9,265			2,244
Net Increase (Decrease) in Cash and Cash Equivalents		(6,480	)		7,866			1,650
Cash and Cash Equivalents at Beginning of Year		11,654			3,788			2,138
Cash and Cash Equivalents at End of Year	$	5,174		$	11,654		$	3,788

BRANCH_SALE

BRANCH SALE	12 Months Ended
	Dec. 31, 2014
BRANCH SALE [Abstract]
BRANCH SALE	NOTE 26 – BRANCH SALE
	On December 7, 2012 we sold 21 branches to another financial institution (the “Branch Sale”). The branches sold included six branch locations in the Battle Creek, Michigan market area and 15 branch locations in Northeast Michigan.
	The Branch Sale resulted in the transfer of approximately $403.1 million of deposits in exchange for our receipt of a deposit premium of approximately $11.5 million. We also sold approximately $48.0 million of loans at a discount of 1.75% and premises and equipment totaling approximately $8.1 million. The Branch Sale also resulted in our transfer of $336.1 million of cash to the purchaser. We recorded a net gain on the Branch Sale of approximately $5.4 million. This gain is net of an allocation of $2.6 million of existing core deposit intangibles, a $2.5 million loss on the sale of premises and equipment, a $0.2 million loss on the sale of loans and $0.8 million in transaction and other related net costs.

ACCOUNTING_POLICIES_Policies

ACCOUNTING POLICIES (Policies)	12 Months Ended
	Dec. 31, 2014
ACCOUNTING POLICIES [Abstract]
PRINCIPLES OF CONSOLIDATION	PRINCIPLES OF CONSOLIDATION — The consolidated financial statements include the accounts of Independent Bank Corporation and its subsidiaries. The income, expenses, assets and liabilities of the subsidiaries are included in the respective accounts of the consolidated financial statements, after elimination of all material intercompany accounts and transactions.
STATEMENTS OF CASH FLOWS	STATEMENTS OF CASH FLOWS — For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, interest bearing deposits and federal funds sold. Generally, federal funds are sold for one-day periods. We report net cash flows for customer loan and deposit transactions, for short-term borrowings and for vehicle service contract counterparty payables.
INTEREST BEARING DEPOSITS	INTEREST BEARING DEPOSITS — Interest bearing deposits consist of overnight deposits with the Federal Reserve Bank.
	INTEREST BEARING DEPOSITS - TIME — Interest bearing deposits - time consist of deposits with original maturities of 3 months or more.
LOANS HELD FOR SALE	LOANS HELD FOR SALE — Mortgage loans originated and intended for sale in the secondary market are carried at fair value. Fair value adjustments, as well as realized gains and losses, are recorded in current earnings.
MORTGAGE LOAN SERVICING RIGHTS	MORTGAGE LOAN SERVICING RIGHTS — We recognize as separate assets the rights to service mortgage loans for others. The fair value of originated mortgage loan servicing rights has been determined based upon fair value indications for similar servicing. The mortgage loan servicing rights are amortized in proportion to and over the period of estimated net loan servicing income. We assess mortgage loan servicing rights for impairment based on the fair value of those rights. For purposes of measuring impairment, the characteristics used include interest rate, term and type. Amortization of and changes in the impairment reserve on originated mortgage loan servicing rights are included in mortgage loan servicing in the Consolidated Statements of Operations. The fair values of mortgage loan servicing rights are subject to significant fluctuations as a result of changes in estimated and actual prepayment speeds and default rates and losses. Mortgage loan servicing income is recorded for fees earned for servicing loans previously sold. The fees are generally based on a contractual percentage of the outstanding principal and are recorded as income when earned. Mortgage loan servicing fees, excluding amortization of and changes in the impairment reserve on originated mortgage loan servicing rights, totaled $4.2 million, $4.3 million and $4.4 million for the years ended December 31, 2014, 2013 and 2012, respectively. Late fees and ancillary fees related to loan servicing are not material.
TRANSFERS OF FINANCIAL ASSETS	TRANSFERS OF FINANCIAL ASSETS — Transfers of financial assets are accounted for as sales when control over the assets has been relinquished. Control over transferred assets is deemed to be surrendered when the assets have been isolated from us, the transferee obtains the right (free of conditions that constrain it from taking advantage of that right) to pledge or exchange the transferred assets, and we do not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
SECURITIES	SECURITIES — We classify our securities as trading, held to maturity or available for sale. Trading securities are bought and held principally for the purpose of selling them in the near term and are reported at fair value with realized and unrealized gains and losses included in earnings. Securities held to maturity represent those securities for which we have the positive intent and ability to hold until maturity and are reported at cost, adjusted for amortization of premiums and accretion of discounts computed on the level-yield method. We did not have any securities held to maturity at December 31, 2014 and 2013. Securities available for sale represent those securities not classified as trading or held to maturity and are reported at fair value with unrealized gains and losses, net of applicable income taxes reported in other comprehensive income (loss).
	We evaluate securities for OTTI at least on a quarterly basis and more frequently when economic or market conditions warrant such an evaluation. In performing this evaluation, management considers (1) the length of time and extent that fair value has been less than cost, (2) the financial condition and near term prospects of the issuer, (3) the impact of changes in market interest rates on the market value of the security and (4) an assessment of whether we intend to sell, or it is more likely than not that we will be required to sell a security in an unrealized loss position before recovery of its amortized cost basis. For securities that do not meet the aforementioned recovery criteria, the amount of impairment recognized in earnings is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive income or loss. The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis.
	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. Premiums and discounts are recognized in interest income computed on the level-yield method.
FEDERAL HOME LOAN BANK ("FHLB") STOCK	FEDERAL HOME LOAN BANK (“FHLB”) STOCK — Our Bank subsidiary is a member of the FHLB system. Members are required to own a certain amount of stock based on the level of borrowings and other factors, and may invest in additional amounts. FHLB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.
FEDERAL RESERVE BANK ("FRB") STOCK	FEDERAL RESERVE BANK (“FRB”) STOCK — Our Bank subsidiary is a member of its regional Federal Reserve Bank. FRB stock is carried at cost, classified as a restricted security, and periodically evaluated for impairment based on ultimate recovery of par value. Both cash and stock dividends are reported as income.
LOAN REVENUE RECOGNITION	LOAN REVENUE RECOGNITION — Interest on loans is accrued based on the principal amounts outstanding. In general, the accrual of interest income is discontinued when a loan becomes 90 days past due for commercial loans and installment loans and when a loan misses four consecutive payments for mortgage loans and the borrower’s capacity to repay the loan and collateral values appear insufficient for each loan class. However, loans may be placed on non-accrual status regardless of whether or not such loans are considered past due if, in management’s opinion, the borrower is unable to meet payment obligations as they become due or as required by regulatory provisions. All interest accrued but not received for all loans placed on non-accrual is reversed from interest income. Payments on such loans are generally applied to the principal balance until qualifying to be returned to accrual status. A non-accrual loan may be restored to accrual status when interest and principal payments are current and the loan appears otherwise collectible. Delinquency status for all classes in the commercial and installment loan segments is based on the actual number of days past due as required by the contractual terms of the loan agreement while delinquency status for mortgage loan segment classes is based on the number of payments past due.
	Certain loan fees and direct loan origination costs are deferred and recognized as an adjustment of yield generally over the contractual life of the related loan. Fees received in connection with loan commitments are deferred until the loan is advanced and are then recognized generally over the contractual life of the loan as an adjustment of yield. Fees on commitments that expire unused are recognized at expiration. Fees received for letters of credit are recognized as revenue over the life of the commitment.
PAYMENT PLAN RECEIVABLE REVENUE RECOGNITION	PAYMENT PLAN RECEIVABLE REVENUE RECOGNITION — Payment plan receivables are acquired by our Mepco segment at a discount and reported net of this discount in the Consolidated Statements of Financial Condition. This discount is accreted into interest and fees on loans over the life of the receivable computed on a level-yield method. All classes of payment plan receivables that have been canceled and are 90 days or more past due as required by the contractual terms of the payment plan are classified as non-accrual.
ALLOWANCE FOR LOAN LOSSES	ALLOWANCE FOR LOAN LOSSES — Portfolios are disaggregated into segments for purposes of determining the allowance for loan losses (“AFLL”) which include commercial, mortgage and installment loans and payment plan receivables. These segments are further disaggregated into classes for purposes of monitoring and assessing credit quality based on certain risk characteristics. Classes within the commercial loan segment include (i) income producing – real estate, (ii) land, land development and construction – real estate and (iii) commercial and industrial. Classes within the mortgage loan segment include (i) 1-4 family, (ii) resort lending, (iii) home equity – 1st lien and (iv) home equity – 2nd lien. Classes within the installment loan segment include (i) home equity – 1st lien, (ii) home equity – 2nd lien, (iii) loans not secured by real estate and (iv) other. Classes within the payment plan receivables segment include (i) full refund, (ii) partial refund and (iii) other. Commercial loans are subject to adverse market conditions which may impact the borrower’s ability to make repayment on the loan or could cause a decline in the value of the collateral that secures the loan. Mortgage and installment loans and payment plan receivables are subject to adverse employment conditions in the local economy which could increase default rates. In addition, mortgage loans and real estate based installment loans are subject to adverse market conditions which could cause a decline in the value of collateral that secures the loan. For an analysis of the AFLL by portfolio segment and credit quality information by class, see note #4.
	Some loans will not be repaid in full. Therefore, an AFLL is maintained at a level which represents our best estimate of losses incurred. In determining the allowance and the related provision for loan losses, we consider four principal elements: (i) specific allocations based upon probable losses identified during the review of the loan portfolio, (ii) allocations established for other adversely rated commercial loans, (iii) allocations based principally on historical loan loss experience, and (iv) additional allocations based on subjective factors, including local and general economic business factors and trends, portfolio concentrations and changes in the size and/or the general terms of the loan portfolios.
	The first AFLL element (specific allocations) reflects our estimate of probable incurred losses based upon our systematic review of specific loans. These estimates are based upon a number of objective factors, such as payment history, financial condition of the borrower, discounted collateral exposure and discounted cash flow analysis. Impaired commercial, mortgage and installment loans are allocated allowance amounts using this first element. The second AFLL element (other adversely rated commercial loans) reflects the application of our loan rating system. This rating system is similar to those employed by state and federal banking regulators. Commercial loans that are rated below a certain predetermined classification are assigned a loss allocation factor for each loan classification category that is based upon a historical analysis of both the probability of default and the expected loss rate (“loss given default”). The lower the rating assigned to a loan or category, the greater the allocation percentage that is applied. The third AFLL element (historical loss allocations) is determined by assigning allocations to higher rated (“non-watch credit”) commercial loans using a probability of default and loss given default similar to the second AFLL element and to homogenous mortgage and installment loan groups based upon borrower credit score and portfolio segment. For homogenous mortgage and installment loans a probability of default for each homogenous pool is calculated by way of credit score migration. Historical loss data for each homogenous pool coupled with the associated probability of default is utilized to calculate an expected loss allocation rate. The fourth AFLL element (additional allocations based on subjective factors) is based on factors that cannot be associated with a specific credit or loan category and reflects our attempt to ensure that the overall allowance for loan losses appropriately reflects a margin for the imprecision necessarily inherent in the estimates of expected credit losses. We consider a number of subjective factors when determining this fourth element, including local and general economic business factors and trends, portfolio concentrations and changes in the size, mix and the general terms of the overall loan portfolio.
	Increases in the AFLL are recorded by a provision for loan losses charged to expense. Although we periodically allocate portions of the AFLL to specific loans and loan portfolios, the entire AFLL is available for incurred losses. We generally charge-off commercial, homogenous residential mortgage and installment loans and payment plan receivables when they are deemed uncollectible or reach a predetermined number of days past due based on loan product, industry practice and other factors. Collection efforts may continue and recoveries may occur after a loan is charged against the AFLL.
	While we use relevant information to recognize losses on loans, additional provisions for related losses may be necessary based on changes in economic conditions, customer circumstances and other credit risk factors.
	A loan is impaired when full payment under the loan terms is not expected. Generally, those loans included in each commercial loan class that are rated substandard, classified as non-performing or were classified as non-performing in the preceding quarter, are evaluated for impairment. Those loans included in each mortgage loan or installment class whose terms have been modified and considered a troubled debt restructuring are also impaired. Loans which have been modified resulting in a concession, and which the borrower is experiencing financial difficulties, are considered troubled debt restructurings (“TDR”) and classified as 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. Large groups of smaller balance homogeneous loans, such as those loans included in each installment and mortgage loan class and each payment plan receivable class, are collectively evaluated for impairment and accordingly, they are not separately identified for impairment disclosures. TDR loans are measured at the present value of estimated future cash flows using the loan’s effective interest rate at inception of the loan. If a TDR is considered to be a collateral dependent loan, the loan is reported net, at the fair value of collateral.
PROPERTY AND EQUIPMENT	PROPERTY AND EQUIPMENT — Property and equipment is stated at cost less accumulated depreciation and amortization. Depreciation and amortization is computed using both straight-line and accelerated methods over the estimated useful lives of the related assets. Buildings are generally depreciated over a period not exceeding 39 years and equipment is generally depreciated over periods not exceeding 7 years. Leasehold improvements are depreciated over the shorter of their estimated useful life or lease period.
BANK OWNED LIFE INSURANCE	BANK OWNED LIFE INSURANCE — We have purchased a group flexible premium non-participating variable life insurance contract on approximately 270 lives (who were salaried employees at the time we purchased the contract) in order to recover the cost of providing certain employee benefits. Bank owned life insurance is recorded at its cash surrender value or the amount that can be currently realized.
OTHER REAL ESTATE AND REPOSSESSED ASSETS	OTHER REAL ESTATE AND REPOSSESSED ASSETS — Other real estate at the time of acquisition is recorded at fair value, less estimated costs to sell, which becomes the property’s new basis. Fair value is typically determined by a third party appraisal of the property. Any write-downs at date of acquisition are charged to the allowance for loan losses. Expense incurred in maintaining assets and subsequent write-downs to reflect declines in value and gains or losses on the sale of other real estate are recorded in the Consolidated Statements of Operations. Non-real estate repossessed assets are treated in a similar manner.
OTHER INTANGIBLE ASSETS	OTHER INTANGIBLE ASSETS — Other intangible assets consist of core deposits. They are initially measured at fair value and then are amortized on both straight-line and accelerated methods over their estimated useful lives, which range from 10 to 15 years.
VEHICLE SERVICE CONTRACT COUNTERPARTY RECEIVABLES, NET	VEHICLE SERVICE CONTRACT COUNTERPARTY RECEIVABLES, NET — These amounts represent funds due to Mepco from its counterparties for cancelled service contracts. 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.
INCOME TAXES	INCOME TAXES — We employ the asset and liability method of accounting for income taxes. This method establishes deferred tax assets and liabilities for the temporary differences between the financial reporting basis and the tax basis of our assets and liabilities at tax rates expected to be in effect when such amounts are realized or settled. Under this method, the effect of a change in tax rates is recognized in the period that includes the enactment date. The deferred tax asset is subject to a valuation allowance for that portion of the asset for which it is more likely than not that it will not be realized.
	A tax position is recognized as a benefit only if it is “more likely than not” that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.
	We recognize interest and/or penalties related to income tax matters in income tax expense.
	We file a consolidated federal income tax return. Intercompany tax liabilities are settled as if each subsidiary filed a separate return.
VEHICLE SERVICE CONTRACT COUNTERPARTY PAYABLES	VEHICLE SERVICE CONTRACT COUNTERPARTY PAYABLES — Vehicle service contract counterparty payables represent amounts owed to insurance companies or other counterparties for vehicle service contract payment plans purchased by us. The vehicle service contract counterparty payable becomes due in accordance with the terms of the specific contract between Mepco and the counterparty. Typically these terms require payment after Mepco has received one or two payments from the consumer on the payment plan receivable.
COMMITMENTS TO EXTEND CREDIT AND RELATED FINANCIAL INSTRUMENTS	COMMITMENTS  TO  EXTEND  CREDIT  AND  RELATED  FINANCIAL  INSTRUMENTS  — Financial instruments may include commitments to extend credit and standby letters of credit. Financial instruments involve varying degrees of credit and interest-rate risk in excess of amounts reflected in the Consolidated Statements of Financial Condition. Exposure to credit risk in the event of non-performance by the counterparties to the financial instruments for loan commitments to extend credit and letters of credit is represented by the contractual amounts of those instruments. In general, we use a similar methodology to estimate our liability for these off-balance sheet credit exposures as we do for our allowance for loan losses. For commercial related commitments, we estimate liability using our loan rating system and for mortgage and installment commitments we estimate liability principally upon historical loss experience. Our estimated liability for off balance sheet commitments is included in accrued expenses and other liabilities in our Consolidated Statements of Financial Condition and any charge or recovery is recorded in non-interest expenses in our Consolidated Statements of Operations.
DERIVATIVE FINANCIAL INSTRUMENTS	DERIVATIVE FINANCIAL INSTRUMENTS — We record derivatives on our Consolidated Statement 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.
	At the inception of the derivative we designate the derivative as one of three types based on our intention and belief as to likely effectiveness as a hedge. These three types are (1) a hedge of the fair value of a recognized asset or liability or of an unrecognized firm commitment (“Fair Value Hedge”), (2) a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (“Cash Flow Hedge”), or (3) an instrument with no hedging designation. For a Fair Value Hedge, the gain or loss on the derivative, as well as the offsetting loss or gain on the hedged item, are recognized in current earnings as fair values change. For a Cash Flow Hedge, the gain or loss on the derivative is reported in other comprehensive income and is reclassified into earnings in the same periods during which the hedged transaction affects earnings. We did not have any Fair Value Hedges or Cash Flow Hedges at December 31, 2014 or 2013. For both types of hedges, changes in the fair value of derivatives that are not highly effective in hedging the changes in fair value or expected cash flows of the hedged item are recognized immediately in current earnings. For instruments with no hedging designation, the gain or loss on the derivative is reported currently in earnings. These free standing instruments currently consist of (i) mortgage banking related derivatives and include rate-lock loan commitments to fund mortgage loans (interest rate locks) to be sold into the secondary market and mandatory forward commitments for the future delivery of these mortgage loans and (ii) certain pay-fixed and pay-variable interest rate swap agreements. Fair values of the mortgage derivatives are estimated based on mortgage backed security pricing for comparable assets. We enter into mandatory forward commitments for the future delivery of mortgage loans generally when interest rate locks are entered into in order to hedge the change in interest rates resulting from our commitments to fund the loans. Changes in the fair values of these derivatives are included in net gains on mortgage loans.  Fair values of the pay-fixed and pay-variable interest rate swap agreements are based on discounted cash flow analyses and are included in net interest income.
	Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest expense. Net cash settlements on derivatives that do not qualify for hedge accounting are reported in non-interest income (mortgage banking related derivatives) or net interest income (interest rate swap agreements). Cash flows on hedges are classified in the cash flow statement the same as the cash flows of the items being hedged.
	We formally document the relationship between derivatives and hedged items, as well as the risk- management objective and the strategy for undertaking hedge transactions, at the inception of the hedging relationship. This documentation includes linking Fair Value or Cash Flow Hedges to specific assets and liabilities on the balance sheet or to specific firm commitments or forecasted transactions. We also assess, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in fair values or cash flows of the hedged items. We discontinue hedge accounting when it is determined that the derivative is no longer effective in offsetting changes in the fair value or cash flows of the hedged item, the derivative is settled or terminates, a hedged forecasted transaction is no longer probable, a hedged firm commitment is no longer firm, or treatment of the derivative as a hedge is no longer appropriate or intended.
	When hedge accounting is discontinued, subsequent changes in fair value of the derivative are recorded currently in earnings. When a fair value hedge is discontinued, the hedged asset or liability is no longer adjusted for changes in fair value and the existing basis adjustment is amortized or accreted over the remaining life of the asset or liability. When a cash flow hedge is discontinued but the hedged cash flows or forecasted transactions are still expected to occur, gains or losses that were accumulated in other comprehensive loss are amortized into earnings over the same periods which the hedged transactions will affect earnings.
COMPREHENSIVE INCOME	COMPREHENSIVE INCOME — Comprehensive income consists of net income, unrealized gains and losses on securities available for sale and derivative instruments classified as cash flow hedges.
INCOME PER COMMON SHARE	INCOME PER COMMON SHARE — Basic income per common share is computed by dividing net income applicable to common stock by the weighted average number of common shares outstanding during the period and participating share awards. All outstanding unvested share-based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation. For diluted income per common share, net income is divided by the weighted average number of common shares outstanding during the period plus the dilutive effects of the assumed conversion of convertible preferred stock, assumed exercise of common stock warrants, assumed exercise of stock options, restricted stock units and stock units for a deferred compensation plan for non-employee directors.
SHARE BASED COMPENSATION	SHARE BASED COMPENSATION — Cost is recognized for stock options and non-vested share awards issued to employees based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options, a simulation analysis which considers potential outcomes for a large number of independent scenarios is utilized to estimate the fair value of performance share units and the market price of our common stock at the date of grant is used for other non-vested share awards.  Cost is recognized over the required service period, generally defined as the vesting period. Cost is also recognized for salary stock issued to employees and stock issued to non-employee directors. These shares vest immediately and cost is recognized during the period they are issued.
COMMON STOCK	COMMON STOCK — At December 31, 2014, 0.1 million shares of common stock were reserved for issuance under the dividend reinvestment plan and 0.7 million shares of common stock were reserved for issuance under our long-term incentive plans.
RECLASSIFICATION	RECLASSIFICATION — Certain amounts in the 2013 and 2012 consolidated financial statements have been reclassified to conform to the 2014 presentation.
ADOPTION OF NEW ACCOUNTING STANDARDS	ADOPTION OF NEW ACCOUNTING STANDARDS — In July 2013, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2013-11, “Income Taxes (Topic 740), Presentation of an Unrecognized Tax Benefit When a Net Operating Loss Carryforward, a Similar Tax Loss, or a Tax Credit Carryforward Exists”.  This ASU amends existing guidance so that an unrecognized tax benefit, or a portion thereof, be presented in the financial statements as a reduction to a deferred tax asset for a net operating loss carryforward, a similar tax loss, or a tax credit carryforward, except to the extent that a net operating loss carryforward, a similar tax loss, or a tax credit carryforward is not available at the reporting date to settle any additional income taxes that would result from disallowance of a tax position, or the tax law does not require the entity to use, and the entity does not intend to use, the deferred tax asset for such purpose, then the unrecognized tax benefit should be presented as a liability.  This amended guidance became effective for us on January 1, 2014, and did not have a material impact on our consolidated operating results or financial condition.
	In January 2014, the FASB issued ASU 2014-04, “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure”. The amendments in this ASU clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. This amendment is effective for fiscal years, and interim periods within those years, beginning after December 15, 2014, with early adoption and retrospective or prospective application permitted. This amendment is not expected to have a material impact on our consolidated operating results or financial condition.
	In May 2014, the FASB issued ASU 2014-09, “Revenue from Contracts with Customers (Topic 606)”. This ASU supersedes and replaces nearly all existing revenue recognition guidance, including industry-specific guidance, establishes a new control-based revenue recognition model, changes the basis for deciding when revenue is recognized over time or at a point in time, provides new and more detailed guidance on specific topics and expands and improves disclosures about revenue. In addition, this ASU specifies the accounting for some costs to obtain or fulfill a contract with a customer.  This amended guidance is effective for us on January 1, 2017, and is not expected to have a material impact on our consolidated operating results or financial condition.
	In June 2014, the FASB issued ASU 2014-12, “Compensation – Stock Compensation (Topic 718) – Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved After the Requisite Service Period”.  This ASU amends existing guidance related to the accounting for share-based payments when the terms of an award provide that a performance target could be achieved after the requisite service period. These amendments require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition.  The total amount of compensation cost recognized during and after the requisite service period should reflect the number of awards that are expected to vest and should be adjusted to reflect those awards that ultimately vest. The requisite service period ends when the employee can cease rendering service and still be eligible to vest in the award if the performance target is achieved. This amended guidance is effective for us on January 1, 2016, and is not expected to have a material impact on our consolidated operating results or financial condition.

SECURITIES_Tables

SECURITIES (Tables)	12 Months Ended
	Dec. 31, 2014
SECURITIES [Abstract]
Securities available for sale	Securities available for sale consist of the following at December 31:
			Amortized		Unrealized
			Cost		Gains			Losses		Fair Value
			(In thousands)
	2014
	U.S. agency		$	34,936	$	133		$	63	$	35,006
	U.S. agency residential mortgage-backed			256,387		1,838			667		257,558
	U.S. agency commercial mortgage-backed			33,779		68			119		33,728
	Private label residential mortgage-backed			6,216		187			390		6,013
	Other asset backed			32,314		77			38		32,353
	Obligations of states and political subdivisions			143,698		961			1,244		143,415
	Corporate			22,690		53			79		22,664
	Trust preferred			2,910		-			469		2,441
	Total		$	532,930	$	3,317		$	3,069	$	533,178
	2013
	U.S. agency		$	32,106	$	44		$	342	$	31,808
	U.S. agency residential mortgage-backed			202,649		1,343			532		203,460
	Private label residential mortgage-backed			7,294		112			618		6,788
	Other asset backed			45,369		10			194		45,185
	Obligations of states and political subdivisions			157,966		496			4,784		153,678
	Corporate			19,120		43			26		19,137
	Trust preferred			2,902		-			477		2,425
	Total		$	467,406	$	2,048		$	6,973	$	462,481
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, at December 31 follows:
			Less Than Twelve Months					Twelve Months or More					Total
					Unrealized					Unrealized					Unrealized
			Fair Value		Losses			Fair Value		Losses			Fair Value		Losses
			(In thousands)
	2014
	U.S. agency		$	12,851	$	58		$	606	$	5		$	13,457	$	63
	U.S. agency residential mortgage-backed			89,547		531			15,793		136			105,340		667
	U.S. agency commercial mortgage-backed			21,325		119			-		-			21,325		119
	Private label residential mortgage-backed			208		1			4,013		389			4,221		390
	Other asset backed			2,960		15			8,729		23			11,689		38
	Obligations of states and political subdivisions			28,114		106			37,540		1,138			65,654		1,244
	Corporate			8,660		79			-		-			8,660		79
	Trust preferred			-		-			2,441		469			2,441		469
	Total		$	163,665	$	909		$	69,122	$	2,160		$	232,787	$	3,069
	2013
	U.S. agency		$	16,715	$	342		$	-	$	-		$	16,715	$	342
	U.S. agency residential mortgage-backed			78,256		532			-		-			78,256		532
	Private label residential mortgage-backed			407		6			4,602		612			5,009		618
	Other asset backed			33,862		194			-		-			33,862		194
	Obligations of states and			103,942		4,645			4,805		139			108,747		4,784
	Corporate			7,105		26			-		-			7,105		26
	Trust preferred			-		-			2,425		477			2,425		477
	Total		$	240,287	$	5,745		$	11,832	$	1,228		$	252,119	$	6,973
Trust preferred securities	The following table breaks out our trust preferred securities in further detail as of December 31:
			2014					2013
					Net					Net
			Fair		Unrealized			Fair		Unrealized
			Value		Loss			Value		Loss
			(In thousands)
	Trust preferred securities
	Rated issues		$	1,643	$	(267	)	$	1,600	$	(302	)
	Unrated issues			798		(202	)		825		(175	)
Private label residential mortgage backed securities below investment grade	At December 31, 2014, three private label residential mortgage-backed securities had credit related OTTI and are summarized as follows:
					Super			Senior
			Senior		Senior			Support
			Security		Security			Security		Total
			(In thousands)
	As of December 31, 2014
	Fair value		$	2,164	$	1,566		$	97	$	3,827
	Amortized cost			2,207		1,476			-		3,683
	Non-credit unrealized loss			43		-			-		43
	Unrealized gain			-		90			97		187
	Cumulative credit related OTTI			757		457			380		1,594
	Credit related OTTI recognized in our Consolidated Statements of Operations
	For the years ended December 31,
	2014		$	9	$	-		$	-	$	9
	2013			26		-			-		26
	2012			247		32			60		339
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 years ending December 31 follow:
			2014		2013			2012
			(In thousands)
	Balance at beginning of year		$	1,835	$	1,809		$	1,470
	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			9		26			339
	Total		$	1,844	$	1,835		$	1,809
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 December 31, 2014, by contractual maturity, follow:
			Amortized		Fair
			Cost		Value
			(In thousands)
	Maturing within one year		$	25,427	$	25,479
	Maturing after one year but within five years			66,532		66,666
	Maturing after five years but within ten years			41,651		41,780
	Maturing after ten years			70,624		69,601
				204,234		203,526
	U.S. agency residential mortgage-backed			256,387		257,558
	U.S. agency commercial mortgage-backed			33,779		33,728
	Private label residential mortgage-backed			6,216		6,013
	Other asset backed			32,314		32,353
	Total		$	532,930	$	533,178
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 years ended December 31 follow:
					Realized
			Proceeds		Gains(1)			Losses(2)
			(In thousands)
	2014		$	14,633	$	329		$	-
	2013			2,940		15			8
	2012			37,176		1,193			-
	-1	Gains in 2014 exclude $0.3 million of realized gain related to a U.S. Treasury short position.
	-2	Losses in 2014, 2013 and 2012 exclude $0.01 million, $0.03 million and $0.3 million, respectively of credit related OTTI recognized in earnings.

LOANS_AND_PAYMENT_PLAN_RECEIVA1

LOANS AND PAYMENT PLAN RECEIVABLES (Tables)	12 Months Ended
	Dec. 31, 2014
LOANS AND PAYMENT PLAN RECEIVABLES [Abstract]
Loan portfolios	Our loan portfolios at December 31 follow:
			2014				2013
			(In thousands)
	Real estate(1)
	Residential first mortgages		$	411,423			$	431,812
	Residential home equity and other junior mortgages			108,162				113,703
	Construction and land development			54,644				50,290
	Other(2)			447,837				440,348
	Commercial			186,875				146,954
	Consumer			154,591				126,443
	Payment plan receivables			40,001				60,638
	Agricultural			6,429				4,382
	Total loans		$	1,409,962			$	1,374,570
	-1	Includes both residential and non-residential commercial loans secured by real estate.
	-2	Includes loans secured by multi-family residential and non-farm, non-residential property.
Analysis of allowance for loan losses by portfolio segment	An analysis of the allowance for loan losses by portfolio segment for the years ended December 31 follows:
															Payment
															Plan
			Commercial				Mortgage				Installment				Receivables				Unallocated			Total
			(In thousands)
	2014
	Balance at beginning of period		$	6,827			$	17,195			$	2,246			$	97			$	5,960		$	32,325
	Additions (deductions)
	Provision for loan losses			(1,683	)			(1,029	)			349				(36	)			(737	)		(3,136	)
	Recoveries credited to allowance			4,914				1,397				1,104				5				-			7,420
	Loans charged against the allowance			(4,613	)			(4,119	)			(1,885	)			(2	)			-			(10,619	)
	Balance at end of period		$	5,445			$	13,444			$	1,814			$	64			$	5,223		$	25,990
	2013
	Balance at beginning of period		$	11,402			$	21,447			$	3,378			$	144			$	7,904		$	44,275
	Additions (deductions)
	Provision for loan losses			(2,336	)			71				314				(93	)			(1,944	)		(3,988	)
	Recoveries credited to allowance			5,119				1,996				1,074				81				-			8,270
	Loans charged against the allowance			(7,358	)			(6,319	)			(2,520	)			(35	)			-			(16,232	)
	Balance at end of period		$	6,827			$	17,195			$	2,246			$	97			$	5,960		$	32,325
	2012
	Balance at beginning of period		$	18,183			$	22,885			$	6,146			$	197			$	11,473		$	58,884
	Additions (deductions)
	Provision for loan losses			2,351				7,778				15				(3	)			(3,254	)		6,887
	Recoveries credited to allowance			3,610				1,581				1,311				20				-			6,522
	Loans charged against the allowance			(12,588	)			(10,741	)			(4,009	)			(70	)			-			(27,408	)
	Reclassification to loans held for sale			(154	)			(56	)			(85	)			-				(315	)		(610	)
	Balance at end of period		$	11,402			$	21,447			$	3,378			$	144			$	7,904		$	44,275
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:
															Payment
															Plan
			Commercial				Mortgage				Installment				Receivables				Unallocated			Total
			(In thousands)
	2014
	Allowance for loan losses:
	Individually evaluated for impairment		$	3,194			$	9,311			$	728			$	-			$	-		$	13,233
	Collectively evaluated for impairment			2,251				4,133				1,086				64				5,223			12,757
	Total ending allowance balance		$	5,445			$	13,444			$	1,814			$	64			$	5,223		$	25,990
	Loans
	Individually evaluated for impairment		$	34,147			$	72,340			$	6,679			$	-						$	113,166
	Collectively evaluated for impairment			658,423				402,458				200,368				40,001							1,301,250
	Total loans recorded investment			692,570				474,798				207,047				40,001							1,414,416
	Accrued interest included in recorded investment			1,615				2,170				669				-							4,454
	Total loans		$	690,955			$	472,628			$	206,378			$	40,001						$	1,409,962
	2013
	Allowance for loan losses:
	Individually evaluated for impairment		$	3,878			$	10,488			$	792			$	-			$	-		$	15,158
	Collectively evaluated for impairment			2,949				6,707				1,454				97				5,960			17,167
	Total ending allowance balance		$	6,827			$	17,195			$	2,246			$	97			$	5,960		$	32,325
	Loans
	Individually evaluated for impairment		$	40,623			$	78,022			$	7,068			$	-						$	125,713
	Collectively evaluated for impairment			596,235				410,887				185,676				60,638							1,253,436
	Total loans recorded investment			636,858				488,909				192,744				60,638							1,379,149
	Accrued interest included in recorded investment			1,624				2,276				679				-							4,579
	Total loans		$	635,234			$	486,633			$	192,065			$	60,638						$	1,374,570
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”) at December 31 follow:
			90+ and								Total Non-
			Still				Non-				Performing
			Accruing				Accrual				Loans
			(In thousands)
	2014
	Commercial
	Income producing - real estate		$	-			$	1,233			$	1,233
	Land, land development and construction - real estate			-				594				594
	Commercial and industrial			-				2,746				2,746
	Mortgage
	1-4 family			7				5,945				5,952
	Resort lending			-				2,168				2,168
	Home equity - 1st lien			-				331				331
	Home equity - 2nd lien			-				605				605
	Installment
	Home equity - 1st lien			-				576				576
	Home equity - 2nd lien			-				517				517
	Loans not secured by real estate			-				454				454
	Other			-				48				48
	Payment plan receivables
	Full refund			-				2				2
	Partial refund			-				12				12
	Other			-				-				-
	Total recorded investment		$	7			$	15,231			$	15,238
	Accrued interest included in recorded investment		$	-			$	-			$	-
	2013
	Commercial
	Income producing - real estate		$	-			$	1,899			$	1,899
	Land, land development and construction - real estate			-				1,036				1,036
	Commercial and industrial			-				2,434				2,434
	Mortgage
	1-4 family			-				6,594				6,594
	Resort lending			-				2,668				2,668
	Home equity - 1st lien			-				415				415
	Home equity - 2nd lien			-				689				689
	Installment
	Home equity - 1st lien			-				938				938
	Home equity - 2nd lien			-				571				571
	Loans not secured by real estate			-				638				638
	Other			-				-				-
	Payment plan receivables
	Full refund			-				20				20
	Partial refund			-				3				3
	Other			-				-				-
	Total recorded investment		$	-			$	17,905			$	17,905
	Accrued interest included in recorded investment		$	-			$	-			$	-
Aging analysis of loans by class
			Loans Past Due																Loans not			Total
			30-59 days				60-89 days				90+ days				Total				Past Due			Loans
			(In thousands)
	2014
	Commercial
	Income producing - real estate		$	89			$	-			$	214			$	303			$	252,763		$	253,066
	Land, land development and construction - real estate			131				-				223				354				33,984			34,338
	Commercial and industrial			2,391				279				209				2,879				402,287			405,166
	Mortgage
	1-4 family			1,877				1,638				5,952				9,467				269,719			279,186
	Resort lending			226				-				2,168				2,394				126,342			128,736
	Home equity - 1st lien			39				50				331				420				19,782			20,202
	Home equity - 2nd lien			711				89				605				1,405				45,269			46,674
	Installment
	Home equity - 1st lien			466				37				576				1,079				20,995			22,074
	Home equity - 2nd lien			369				81				517				967				28,125			29,092
	Loans not secured by real estate			589				231				454				1,274				152,115			153,389
	Other			15				3				48				66				2,426			2,492
	Payment plan receivables
	Full refund			838				214				2				1,054				26,799			27,853
	Partial refund			409				123				12				544				6,550			7,094
	Other			96				24				-				120				4,934			5,054
	Total recorded investment		$	8,246			$	2,769			$	11,311			$	22,326			$	1,392,090		$	1,414,416
	Accrued interest included in recorded investment		$	55			$	29			$	-			$	84			$	4,370		$	4,454
	2013
	Commercial
	Income producing - real estate		$	1,014			$	428			$	878			$	2,320			$	249,313		$	251,633
	Land, land development and construction - real estate			781				129				256				1,166				30,670			31,836
	Commercial and industrial			1,155				1,665				318				3,138				350,251			353,389
	Mortgage
	1-4 family			3,750				224				6,594				10,568				270,855			281,423
	Resort lending			698				234				2,668				3,600				142,356			145,956
	Home equity - 1st lien			172				-				415				587				18,214			18,801
	Home equity - 2nd lien			663				73				689				1,425				41,304			42,729
	Installment
	Home equity - 1st lien			557				134				938				1,629				25,513			27,142
	Home equity - 2nd lien			536				136				571				1,243				36,701			37,944
	Loans not secured by real estate			833				281				638				1,752				123,295			125,047
	Other			22				12				-				34				2,577			2,611
	Payment plan receivables
	Full refund			1,364				349				20				1,733				46,344			48,077
	Partial refund			190				20				3				213				4,840			5,053
	Other			122				4				-				126				7,382			7,508
	Total recorded investment		$	11,857			$	3,689			$	13,988			$	29,534			$	1,349,615		$	1,379,149
	Accrued interest included in recorded investment		$	100			$	26			$	-			$	126			$	4,453		$	4,579
Impaired loans	Impaired loans are as follows :
			December 31,
			2014				2013
	Impaired loans with no allocated allowance		(In thousands)
	TDR		$	9,325			$	13,006
	Non - TDR			299				334
	Impaired loans with an allocated allowance
	TDR - allowance based on collateral			5,879				10,085
	TDR - allowance based on present value cash flow			94,970				101,131
	Non - TDR - allowance based on collateral			2,296				688
	Non - TDR - allowance based on present value cash flow			-				-
	Total impaired loans		$	112,769			$	125,244
	Amount of allowance for loan losses allocated
	TDR - allowance based on collateral		$	2,025			$	3,127
	TDR - allowance based on present value cash flow			10,188				11,777
	Non - TDR - allowance based on collateral			1,020				254
	Non - TDR - allowance based on present value cash flow			-				-
	Total amount of allowance for loan losses allocated		$	13,233			$	15,158
	Impaired loans by class as of December 31 are as follows (1):
			2014												2013
							Unpaid												Unpaid
			Recorded				Principal				Related				Recorded				Principal			Related
			Investment				Balance				Allowance				Investment				Balance			Allowance
	With no related allowance recorded:		(In thousands)
	Commercial
	Income producing - real estate		$	5,868			$	6,077			$	-			$	7,042			$	7,178		$	-
	Land, land development & construction-real estate			1,051				1,606				-				2,185				3,217			-
	Commercial and industrial			2,685				2,667				-				4,110				4,087			-
	Mortgage
	1-4 family			-				49				-				8				8			-
	Resort lending			48				397				-				35				163			-
	Home equity - 1st lien			-				-				-				-				-			-
	Home equity - 2nd lien			-				-				-				-				-			-
	Installment
	Home equity - 1st lien			-				40				-				-				-			-
	Home equity - 2nd lien			-				-				-				-				-			-
	Loans not secured by real estate			-				-				-				-				-			-
	Other			-				-				-				-				-			-
				9,652				10,836				-				13,380				14,653			-
	With an allowance recorded:
	Commercial
	Income producing - real estate			12,836				13,797				689				14,538				15,631			1,161
	Land, land development & construction-real estate			3,456				3,528				499				3,366				4,130			686
	Commercial and industrial			8,251				8,486				2,006				9,382				9,529			2,031
	Mortgage
	1-4 family			53,206				56,063				6,195				57,612				60,768			7,236
	Resort lending			18,799				18,963				3,075				20,171				20,608			3,221
	Home equity - 1st lien			162				177				14				154				164			11
	Home equity - 2nd lien			125				205				27				42				118			20
	Installment
	Home equity - 1st lien			2,744				2,930				219				2,959				3,115			254
	Home equity - 2nd lien			3,212				3,215				419				3,352				3,347			462
	Loans not secured by real estate			711				835				89				741				902			75
	Other			12				12				1				16				16			1
				103,514				108,211				13,233				112,333				118,328			15,158
	Total
	Commercial
	Income producing - real estate			18,704				19,874				689				21,580				22,809			1,161
	Land, land development & construction-real estate			4,507				5,134				499				5,551				7,347			686
	Commercial and industrial			10,936				11,153				2,006				13,492				13,616			2,031
	Mortgage
	1-4 family			53,206				56,112				6,195				57,620				60,776			7,236
	Resort lending			18,847				19,360				3,075				20,206				20,771			3,221
	Home equity - 1st lien			162				177				14				154				164			11
Home equity - 2nd lien			125				205				27				42				118			20
Installment
Home equity - 1st lien			2,744				2,970				219				2,959				3,115			254
Home equity - 2nd lien			3,212				3,215				419				3,352				3,347			462
Loans not secured by real estate			711				835				89				741				902			75
Other			12				12				1				16				16			1
Total		$	113,166			$	119,047			$	13,233			$	125,713			$	132,981		$	15,158
Accrued interest included in recorded investment		$	397											$	469
(1) There were no impaired payment plan receivables at December 31, 2014 or 2013.
Sales of certain commercial watch, substandard and non-performing loans	During the second quarter of 2013, we sold certain commercial watch, substandard and non-performing loans as follows:
			(In thousands)
	Income producing - real estate		$	4,570
	Land, land development and construction - real estate			401
	Commercial and industrial			3,630
	Total		$	8,601
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 years ended December 31 follows (1):
			2014								2013								2012
			Average				Interest				Average				Interest				Average			Interest
			Recorded				Income				Recorded				Income				Recorded			Income
			Investment				Recognized				Investment				Recognized				Investment			Recognized
	With no related allowance recorded:		(In thousands)
	Commercial
	Income producing - real estate		$	7,660			$	250			$	5,765			$	340			$	2,981		$	166
	Land, land development & construction-real estate			1,145				64				3,092				240				2,549			150
	Commercial and industrial			3,351				152				3,980				226				3,526			246
	Mortgage
	1-4 family			29				-				5				11				290			-
	Resort lending			40				1				28				-				222			-
	Home equity - 1st lien			-				-				-				-				-			-
	Home equity - 2nd lien			-				-				-				-				-			-
	Installment
	Home equity - 1st lien			-				2				1,604				83				1,961			97
	Home equity - 2nd lien			-				-				1,841				96				2,093			111
	Loans not secured by real estate			-				-				470				23				549			30
	Other			-				-				15				1				22			2
				12,225				469				16,800				1,020				14,193			802
	With an allowance recorded:
	Commercial
	Income producing - real estate			12,772				677				18,164				587				23,508			571
	Land, land development & construction-real estate			3,939				149				6,186				149				10,305			183
	Commercial and industrial			8,500				294				11,795				457				17,828			467
	Mortgage
	1-4 family			55,877				2,286				60,858				2,622				66,195			2,852
	Resort lending			19,458				753				21,708				836				24,286			1,000
	Home equity - 1st lien			160				6				136				4				65			2
	Home equity - 2nd lien			57				2				42				2				81			3
	Installment
	Home equity - 1st lien			2,837				174				1,448				85				1,432			50
	Home equity - 2nd lien			3,359				188				1,546				86				1,325			51
	Loans not secured by real estate			719				35				314				17				221			10
	Other			14				1				3				1				-			-
				107,692				4,565				122,200				4,846				145,246			5,189
	Total
	Commercial
	Income producing - real estate			20,432				927				23,929				927				26,489			737
	Land, land development & construction-real estate			5,084				213				9,278				389				12,854			333
	Commercial and industrial			11,851				446				15,775				683				21,354			713
	Mortgage
	1-4 family			55,906				2,286				60,863				2,633				66,485			2,852
	Resort lending			19,498				754				21,736				836				24,508			1,000
	Home equity - 1st lien			160				6				136				4				65			2
	Home equity - 2nd lien			57				2				42				2				81			3
	Installment
	Home equity - 1st lien			2,837				176				3,052				168				3,393			147
	Home equity - 2nd lien			3,359				188				3,387				182				3,418			162
	Loans not secured by real estate			719				35				784				40				770			40
	Other			14				1				18				2				22			2
	Total		$	119,917			$	5,034			$	139,000			$	5,866			$	159,439		$	5,991
	-1	There were no impaired payment plan receivables during the years ending December 31, 2014, 2013 and 2012.
Troubled debt restructurings	Troubled debt restructurings at December 31 follow:
			2014
			Commercial				Retail				Total
			(In thousands)
	Performing TDR's		$	29,475			$	73,496			$	102,971
	Non-performing TDR's(1)			1,978				5,225	(2)			7,203
	Total		$	31,453			$	78,721			$	110,174
			2013
			Commercial				Retail				Total
			(In thousands)
	Performing TDR's		$	35,134			$	79,753			$	114,887
	Non-performing TDR's(1)			4,347				4,988	(2)			9,335
	Total		$	39,481			$	84,741			$	124,222
	-1	Included in non-performing loans table above.
	-2	Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.
Troubled debt restructuring during the period	Loans that have been classified as troubled debt restructurings during the three years ended December 31 follow:
							Pre-modification				Post-modification
			Number of				Recorded				Recorded
			Contracts				Balance				Balance
	2014		(Dollars in thousands)
	Commercial
	Income producing - real estate			4			$	426			$	389
	Land, land development & construction-real estate			2				55				44
	Commercial and industrial			13				2,236				1,606
	Mortgage
	1-4 family			15				1,576				1,570
	Resort lending			6				1,583				1,572
	Home equity - 1st lien			1				17				14
	Home equity - 2nd lien			1				85				84
	Installment
	Home equity - 1st lien			13				631				523
	Home equity - 2nd lien			9				400				400
	Loans not secured by real estate			6				114				106
	Other			-				-				-
	Total			70			$	7,123			$	6,308
	2013
	Commercial
	Income producing - real estate			6			$	4,798			$	3,869
	Land, land development & construction-real estate			1				16				-
	Commercial and industrial			23				2,522				1,901
	Mortgage
	1-4 family			20				1,968				1,995
	Resort lending			5				1,240				1,231
	Home equity - 1st lien			1				95				97
	Home equity - 2nd lien			-				-				-
	Installment
	Home equity - 1st lien			25				659				657
	Home equity - 2nd lien			16				508				508
	Loans not secured by real estate			5				149				110
	Other			-				-				-
	Total			102			$	11,955			$	10,368
	2012
	Commercial
	Income producing - real estate			20			$	9,464			$	8,568
	Land, land development & construction-real estate			9				4,800				4,858
	Commercial and industrial			50				9,951				7,905
	Mortgage
	1-4 family			66				8,900				8,488
	Resort lending			31				7,750				7,514
	Home equity - 1st lien			1				15				-
	Home equity - 2nd lien			-				-				-
	Installment
	Home equity - 1st lien			18				666				632
	Home equity - 2nd lien			24				784				768
	Loans not secured by real estate			13				325				304
	Other			-				-				-
	Total			232			$	42,655			$	39,037
Troubled debt restructuring during the past twelve months that subsequently defaulted	Loans that have been classified as troubled debt restructured during the past twelve months and that have subsequently defaulted during the years ended December 31 follows:
			Number of				Recorded
			Contracts				Balance
	2014		(Dollars in thousands)
	Commercial
	Income producing - real estate			-			$	-
	Land, land development & construction-real estate			-				-
	Commercial and industrial			2				319
	Mortgage
	1-4 family			1				125
	Resort lending			-				-
	Home equity - 1st lien			-				-
	Home equity - 2nd lien			-				-
	Installment
	Home equity - 1st lien			-				-
	Home equity - 2nd lien			-				-
	Loans not secured by real estate			-				-
	Other			-				-
	Total			3			$	444
	2013
	Commercial
	Income producing - real estate			1			$	693
	Land, land development & construction-real estate			1				334
	Commercial and industrial			2				143
	Mortgage
	1-4 family			1				106
	Resort lending			1				156
	Home equity - 1st lien			-				-
	Home equity - 2nd lien			-				-
	Installment
	Home equity - 1st lien			2				32
	Home equity - 2nd lien			1				22
	Loans not secured by real estate			-				-
	Other			-				-
	Total			9			$	1,486
	2012
	Commercial
	Income producing - real estate			2			$	827
	Land, land development & construction-real estate			-				-
	Commercial and industrial			5				230
	Mortgage
	1-4 family			2				148
	Resort lending			4				887
	Home equity - 1st lien			-				-
	Home equity - 2nd lien			-				-
	Installment
	Home equity - 1st lien			2				234
	Home equity - 2nd lien			1				20
	Loans not secured by real estate			-				-
	Other			-				-
	Total			16			$	2,346
Summary of loan ratings by loan class			Commercial
											Substandard				Non-
			Non-watch				Watch				Accrual				Accrual
				6-Jan				8-Jul				9				11-Oct			Total
											(In thousands)
	2014
	Income producing - real estate		$	241,266			$	8,649			$	1,918			$	1,233			$	253,066
	Land, land development and construction - real estate			30,869				2,485				390				594				34,338
	Commercial and industrial			372,947				23,475				5,998				2,746				405,166
	Total		$	645,082			$	34,609			$	8,306			$	4,573			$	692,570
	Accrued interest included in total		$	1,479			$	111			$	25			$	-			$	1,615
	2013
	Income producing - real estate		$	227,957			$	17,882			$	3,895			$	1,899			$	251,633
	Land, land development and construction - real estate			25,654				4,829				317				1,036				31,836
	Commercial and industrial			318,183				26,303				6,469				2,434				353,389
	Total		$	571,794			$	49,014			$	10,681			$	5,369			$	636,858
	Accrued interest included in total		$	1,433			$	147			$	44			$	-			$	1,624
	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 at least annually. The following tables summarize credit scores by loan class for our mortgage and installment loan segments at December 31:
				Mortgage (1)
												Home				Home
								Resort				Equity				Equity
				1-4 Family				Lending				1st Lien				2nd Lien				Total
				(In thousands)
	2014
	800 and above			$	27,918			$	14,484			$	3,863			$	6,225			$	52,490
	750-799				72,674				45,950				6,128				14,323				139,075
	700-749				52,843				32,660				3,054				9,642				98,199
	650-699				51,664				20,250				3,257				8,194				83,365
	600-649				27,770				6,538				1,704				3,862				39,874
	550-599				21,361				3,639				994				1,721				27,715
	500-549				14,575				2,156				699				1,401				18,831
	Under 500				6,306				875				261				632				8,074
	Unknown				4,075				2,184				242				674				7,175
	Total			$	279,186			$	128,736			$	20,202			$	46,674			$	474,798
	Accrued interest included in total			$	1,311			$	562			$	88			$	209			$	2,170
	2013
	800 and above			$	23,924			$	13,487			$	3,650			$	5,354			$	46,415
	750-799				60,728				56,880				4,560				11,809				133,977
	700-749				58,269				35,767				3,289				8,628				105,953
	650-699				49,771				21,696				2,316				7,145				80,928
	600-649				34,991				8,555				2,621				5,141				51,308
	550-599				24,616				3,261				1,165				2,485				31,527
	500-549				14,823				2,271				644				1,560				19,298
	Under 500				9,492				1,160				323				360				11,335
	Unknown				4,809				2,879				233				247				8,168
	Total			$	281,423			$	145,956			$	18,801			$	42,729			$	488,909
	Accrued interest included in total			$	1,300			$	650			$	97			$	229			$	2,276
	-1	Credit scores have been updated within the last twelve months.
				Installment(1)
				Home				Home				Loans not
				Equity				Equity				Secured by
				1st Lien				2nd Lien				Real Estate				Other				Total
				(In thousands)
	2014
	800 and above			$	2,272			$	2,835			$	31,507			$	60			$	36,674
	750-799				5,677				8,557				66,558				583				81,375
	700-749				3,111				6,358				28,179				689				38,337
	650-699				3,963				5,477				16,152				615				26,207
	600-649				3,434				2,408				5,128				255				11,225
	550-599				2,019				1,913				1,896				134				5,962
	500-549				1,128				1,036				1,672				84				3,920
	Under 500				393				427				455				28				1,303
	Unknown				77				81				1,842				44				2,044
	Total			$	22,074			$	29,092			$	153,389			$	2,492			$	207,047
Accrued interest included in total			$	93			$	112			$	445			$	19			$	669
2013
800 and above			$	2,977			$	3,062			$	23,649			$	53			$	29,741
750-799				6,585				11,197				48,585				557				66,924
700-749				4,353				9,487				25,343				683				39,866
650-699				4,815				6,832				15,256				646				27,549
600-649				3,173				2,824				5,289				258				11,544
550-599				2,843				2,084				2,785				213				7,925
500-549				1,483				1,715				1,732				130				5,060
Under 500				751				663				516				29				1,959
Unknown				162				80				1,892				42				2,176
Total			$	27,142			$	37,944			$	125,047			$	2,611			$	192,744
Accrued interest included in total			$	114			$	144			$	399			$	22			$	679
-1	Credit scores have been updated within the last twelve months.
Mepco is a wholly-owned subsidiary of our Bank that operates a vehicle service contract payment plan business throughout the United States. See note #11 for more information about Mepco’s business. As of December 31, 2014, approximately 69.6% of Mepco’s outstanding payment plan receivables relate to programs in which a third party insurer or risk retention group is obligated to pay Mepco the full refund owing upon cancellation of the related service contract (including with respect to both the portion funded to the service contract seller and the portion funded to the administrator). These receivables are shown as “Full Refund” in the table below. Another approximately 17.7% of Mepco’s outstanding payment plan receivables as of December 31, 2014, relate to programs in which a third party insurer or risk retention group is obligated to pay Mepco the refund owing upon cancellation only with respect to the unearned portion previously funded by Mepco to the administrator (but not to the service contract seller). These receivables are shown as “Partial Refund” in the table below. The balance of Mepco’s outstanding payment plan receivables relate to programs in which there is no insurer or risk retention group that has any contractual liability to Mepco for any portion of the refund amount. These receivables are shown as “Other” in the table below. For each class of our payment plan receivables we monitor financial information on the counterparties as we evaluate the credit quality of this portfolio.
The following table summarizes credit ratings of insurer or risk retention group counterparties by class of payment plan receivable at December 31:
				Payment Plan Receivables
				Full				Partial
				Refund				Refund				Other				Total
				(In thousands)
2014
AM Best rating
A+				$	-			$	43			$	-			$	43
A					10,007				6,190				-				16,197
A-					1,989				685				5,054				7,728
Not rated					15,857				176				-				16,033
Total				$	27,853			$	7,094			$	5,054			$	40,001
2013
AM Best rating
A				$	20,203			$	4,221			$	-			$	24,424
A-					4,058				832				7,496				12,386
Not rated					23,816				-				12				23,828
Total				$	48,077			$	5,053			$	7,508			$	60,638
Other mortgage loans service's principal balances	Mortgage loans serviced for others are not reported as assets on the Consolidated Statements of Financial Condition. The principal balances of these loans at December 31 follow:
			2014				2013
			(In thousands)
	Mortgage loans serviced for :
	Fannie Mae		$	913,863			$	981,031
	Freddie Mac			748,833				753,143
	Other			104				111
	Total		$	1,662,800			$	1,734,285
Schedule of capitalized mortgage loan servicing rights	An analysis of capitalized mortgage loan servicing rights for the years ended December 31 follows:
			2014				2013				2012
			(In thousands)
	Balance at beginning of year		$	13,710			$	11,013			$	11,229
	Originated servicing rights capitalized			1,823				3,210				4,006
	Amortization			(2,509	)			(3,745	)			(4,679	)
	Change in valuation allowance			(918	)			3,232				457
	Balance at end of year		$	12,106			$	13,710			$	11,013
	Valuation allowance		$	3,773			$	2,855			$	6,087
	Loans sold and serviced that have had servicing rights capitalized		$	1,661,269			$	1,732,476			$	1,751,960

OTHER_REAL_ESTATE_OWNED_Tables

OTHER REAL ESTATE OWNED (Tables)	12 Months Ended
	Dec. 31, 2014
OTHER REAL ESTATE OWNED [Abstract]
Valuation allowance for other real estate owned	We periodically review our real estate owned properties and establish valuation allowances on these properties if values have declined since the date of acquisition. An analysis of our valuation allowance for other real estate owned follows:
		2014			2013			2012
		(In thousands)
	Balance at beginning of year	$	4,047		$	5,958		$	14,655
	Additions charged to expense		663			2,598			3,769
	Direct write-downs upon sale		(2,199	)		(4,509	)		(12,466	)
	Balance at end of year	$	2,511		$	4,047		$	5,958

PROPERTY_AND_EQUIPMENT_Tables

PROPERTY AND EQUIPMENT (Tables)	12 Months Ended
	Dec. 31, 2014
PROPERTY AND EQUIPMENT [Abstract]
Summary of property and equipment	A summary of property and equipment at December 31 follows:
		2014			2013
		(In thousands)
	Land	$	14,904		$	14,817
	Buildings		59,486			58,798
	Equipment		79,809			77,452
			154,199			151,067
	Accumulated depreciation and amortization		(108,251	)		(102,473	)
	Property and equipment, net	$	45,948		$	48,594

INTANGIBLE_ASSETS_Tables

INTANGIBLE ASSETS (Tables)	12 Months Ended
	Dec. 31, 2014
INTANGIBLE ASSETS [Abstract]
Other intangible assets, net of amortization	Intangible assets, net of amortization, at December 31 follows:
		2014				2013
		Gross		Accumulated		Gross		Accumulated
		Carrying		Amortization		Carrying		Amortization
		Amount				Amount
		(In thousands)
	Amortized intangible assets - core deposits	$	6,118	$	3,491	$	11,037	$	7,874
Estimated amortization of other intangible assets	A summary of estimated core deposit intangible amortization at December 31, 2014, follows:
		(In thousands)
	2015	$	347
	2016		347
	2017		346
	2018		346
	2019		346
	2020 and thereafter		895
	Total	$	2,627

DEPOSITS_Tables

DEPOSITS (Tables)	12 Months Ended
	Dec. 31, 2014
DEPOSITS [Abstract]
Summary of interest expense on deposits	A summary of interest expense on deposits for the years ended December 31 follows:
		2014		2013		2012
		(In thousands)
	Savings and interest bearing checking	$	1,064	$	1,131	$	1,830
	Time deposits under $100,000		2,467		2,995		4,838
	Time deposits of $100,000 or more		1,436		1,580		2,245
	Total	$	4,967	$	5,706	$	8,913
Summary of maturity of time deposits	A summary of the maturity of time deposits at December 31, 2014, follows:
		(In thousands)
	2015	$	239,914
	2016		88,123
	2017		22,569
	2018		22,952
	2019		15,497
	2020 and thereafter		1,072
	Total	$	390,127
Summary of reciprocal deposits	A summary of reciprocal deposits at December 31 follows:
		2014		2013
		(In thousands)
	Demand	$	5,867	$	7,018
	Money market		7,692		4,197
	Time		40,109		72,312
	Total	$	53,668	$	83,527

OTHER_BORROWINGS_Tables

OTHER BORROWINGS (Tables)	12 Months Ended
	Dec. 31, 2014
OTHER BORROWINGS [Abstract]
Summary of other borrowings	A summary of other borrowings at December 31 follows:
		2014		2013
		(In thousands)
	Advances from the FHLB	$	12,464	$	17,181
	Other		6		7
	Total	$	12,470	$	17,188
Schedule of maturity dates and weighted average interest rates FHLB	The maturity dates and weighted average interest rates of FHLB advances at December 31 follow:
		2014					2013
		Amount		Rate			Amount		Rate
		(Dollars in thousands)
	Fixed-rate advances
	2014						$	4,240		5.73	%
	2016	$	2,205		6.55	%		2,313		6.55
	2017		1,320		7.04			1,377		7.04
	2018		5,671		5.99			5,888		5.99
	2019		-					-
	2020 and thereafter		3,268		7.49			3,363		7.49
	Total advances	$	12,464		6.59	%	$	17,181		6.38	%
Schedule of repayments of federal home loan bank advances	A summary of repayments of FHLB Advances at December 31, 2014, follows:
		(In thousands)
	2015	$	515
	2016		2,521
	2017		1,587
	2018		5,042
	2019		143
	2020 and thereafter		2,656
	Total	$	12,464

SUBORDINATED_DEBENTURES_Tables

SUBORDINATED DEBENTURES (Tables)	12 Months Ended
	Dec. 31, 2014
SUBORDINATED DEBENTURES [Abstract]
Schedule of information regarding subordinated debentures	Summary information regarding subordinated debentures as of December 31 follows:
				2014
						Trust
						Preferred		Common
		Issue		Subordinated		Securities		Stock
	Entity Name	Date		Debentures		Issued		Issued
				(In thousands)
	IBC Capital Finance III	May-07		$	12,372	$	12,000	$	372
	IBC Capital Finance IV	Sep-07			15,465		15,000		465
	Midwest Guaranty Trust I	Nov-02			7,732		7,500		232
				$	35,569	$	34,500	$	1,069
				2013
						Trust
						Preferred		Common
		Issue		Subordinated		Securities		Stock
	Entity Name	Date		Debentures		Issued		Issued
				(In thousands)
	IBC Capital Finance III	May-07		$	12,372	$	12,000	$	372
	IBC Capital Finance IV	Sep-07			20,619		20,000		619
	Midwest Guaranty Trust I	Nov-02			7,732		7,500		232
				$	40,723	$	39,500	$	1,223
Schedule of subordinated debentures and trust preferred securities	Other key terms for the subordinated debentures and trust preferred securities that were outstanding at December 31, 2014 follow:
		Maturity		First Permitted
	Entity Name	Date	Interest Rate	Redemption Date
	IBC Capital Finance III	30-Jul-37	3 month LIBOR plus 1.60%	30-Jul-12
	IBC Capital Finance IV	15-Sep-37	3 month LIBOR plus 2.85%	15-Sep-12
	Midwest Guaranty Trust I	7-Nov-32	3 month LIBOR plus 3.45%	7-Nov-07

COMMITMENTS_AND_CONTINGENT_LIA1

COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	12 Months Ended
	Dec. 31, 2014
COMMITMENTS AND CONTINGENT LIABILITIES [Abstract]
Financial instruments with off-balance sheet risk	A summary of financial instruments with off-balance sheet risk at December 31 follows:
		2014			2013
		(In thousands)
	Financial instruments whose risk is represented by contract amounts
	Commitments to extend credit	$	204,827		$	180,829
	Standby letters of credit		2,757			4,262
Analysis of vehicle service contract counterparty receivable	An analysis of our vehicle service contract counterparty receivable, net follows:
		2014			2013			2012
		(In thousands)
	Balance at beginning of year, net of reserve	$	7,716		$	18,449		$	29,298
	Transfers in from payment plan receivables		180			792			1,469
	Reserves established and charge-offs recorded to expense		(199	)		(4,837	)		(1,629	)
	Transferred to (from) contingency reserves		(75	)		63			(108	)
	Cash received		(385	)		(6,751	)		(7,413	)
	Collateral received (other real estate and repossessed assets) in partial satisfaction of debt		-			-			(3,168	)
	Balance at end of year, net of reserve	$	7,237		$	7,716		$	18,449
	Reserve at end of year	$	1,370		$	1,300		$	2,000
Analysis of vehicle service contract counterparty reserve	An analysis of our vehicle service contract counterparty reserve follows:
		2014			2013			2012
		(In thousands)
	Balance at beginning of year	$	1,375		$	2,012		$	32,570
	Additions charged to expense		199			4,837			1,629
	Charge-offs, net		(204	)		(5,474	)		(32,187	)
	Balance at end of year	$	1,370		$	1,375		$	2,012
	Reserves recorded in VSC counterparty receivables, net	$	1,370		$	1,300		$	2,000
	Reserves recorded in accrued expenses and other liabilities		-			75			12
	Total at end of year	$	1,370		$	1,375		$	2,012

SHAREHOLDERS_EQUITY_AND_INCOME1

SHAREHOLDERS' EQUITY AND INCOME PER COMMON SHARE (Tables)	12 Months Ended
	Dec. 31, 2014
SHAREHOLDERS' EQUITY AND INCOME PER COMMON SHARE [Abstract]
Reconciliation of basic and diluted loss per share	A reconciliation of basic and diluted net income per common share for the years ended December 31 follows:
		2014		2013			2012
		(In thousands, except per share amounts)
	Net income applicable to common stock	$	18,021	$	82,062		$	21,851
	Convertible preferred stock dividends		-		3,001			4,347
	Preferred stock discount		-		(7,554	)		-
	Net income applicable to common stock for calculation of diluted earnings per share	$	18,021	$	77,509		$	26,198
	Weighted average shares outstanding (1)		22,927		13,970			8,709
	Restricted stock units		306		363			216
	Effect of stock options		124		92			2
	Stock units for deferred compensation plan for non-employee directors		114		125			66
	Effect of convertible preferred stock		-		7,314			23,892
	Weighted average shares outstanding for calculation of diluted earnings per share		23,471		21,864			32,885
	Net income per common share
	Basic (1)	$	0.79	$	5.87		$	2.51
	Diluted	$	0.77	$	3.55		$	0.8
	(1)Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

INCOME_TAX_Tables

INCOME TAX (Tables)	12 Months Ended
	Dec. 31, 2014
INCOME TAX [Abstract]
Composition of income tax expense (benefit)	The composition of income tax expense (benefit) for the years ended December 31 follows:
		2014			2013			2012
		(In thousands)
	Current	$	(359	)	$	(277	)	$	-
	Deferred		7,672			-			-
	Disproportionate tax effect		-			1,444			-
	Valuation allowance - change in estimate		(118	)		(56,018	)		-
	Income tax expense (benefit)	$	7,195		$	(54,851	)	$	-
Reconciliation of income tax benefit computed by applying the statutory federal income tax rate	A reconciliation of income tax benefit to the amount computed by applying the statutory federal income tax rate of 35% in each year presented to the income before income tax for the years ended December 31 follows:
		2014			2013			2012
		(In thousands)
	Statutory rate applied to income before income tax	$	8,826		$	7,930		$	9,169
	Unrecognized tax benefit		(595	)		(186	)		-
	Tax-exempt income		(522	)		(402	)		(453	)
	Bank owned life insurance		(480	)		(477	)		(568	)
	Net change in valuation allowance		(118	)		(63,980	)		(8,730	)
	Non-deductible meals, entertainment and memberships		53			55			55
	Disproportionate tax effect		-			1,444			-
	U.S. Treasury warrant		-			359			100
	Share-based compensation		-			8			258
	Other, net		31			398			169
	Income tax expense (benefit)	$	7,195		$	(54,851	)	$	-
Summary of deferred tax assets and deferred tax liabilities	The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31 follow:
		2014			2013
		(In thousands)
	Deferred tax assets
	Loss carryforwards	$	32,933		$	38,027
	Allowance for loan losses		9,099			11,317
	Fixed assets		3,239			3,081
	Alternative minimum tax credit carry forward		3,037			2,672
	Purchase premiums, net		2,050			2,280
	Valuation allowance on other real estate owned		879			1,431
	Share based payments		684			402
	Unrealized loss on trading securities		559			456
	Vehicle service contract counterparty contingency reserve		521			523
	Deferred compensation		448			523
	Other than temporary impairment charge on securities available for sale		436			466
	Non accrual loan interest income		244			325
	Loss reimbursement on sold loans reserve		242			492
	Reserve for unfunded lending commitments		189			178
	Unrealized loss on derivative financial instruments		-			133
	Unrealized loss on securities available for sale		-			1,723
	Other		-			40
	Gross deferred tax assets		54,560			64,069
	Valuation allowance		(1,019	)		(1,137	)
	Total net deferred tax assets		53,541			62,932
	Deferred tax liabilities
	Mortgage servicing rights		4,237			4,799
	Deferred loan fees		260			265
	Federal Home Loan Bank stock		196			318
	Unrealized gain on securities available for sale		87			-
	Other		129			-
	Gross deferred tax liabilities		4,909			5,382
	Net deferred tax assets	$	48,632		$	57,550
Schedule of federal net operating loss forwards	At December 31, 2014, we had federal net operating loss (“NOL”) carryforwards of approximately $92.4 million which, if not used against taxable income, will expire as follows:
		(In thousands)
	2029	$	11,285
	2030		26,254
	2031		17,170
	2032		37,739
	Total	$	92,448
Schedule of changes in unrecognized tax benefits	Changes in unrecognized tax benefits for the years ended December 31 follow:
		2014			2013			2012
		(In thousands)
	Balance at beginning of year	$	1,672		$	1,871		$	2,139
	Additions based on tax positions related to the current year		18			11			15
	Reductions due to the statute of limitations		(595	)		(186	)		(56	)
	Reductions due to settlements		(4	)		(24	)		(227	)
	Balance at end of year	$	1,091		$	1,672		$	1,871

SHARE_BASED_COMPENSATION_AND_B1

SHARE BASED COMPENSATION AND BENEFIT PLANS (Tables)	12 Months Ended
	Dec. 31, 2014
SHARE BASED COMPENSATION AND BENEFIT PLANS [Abstract]
Summary of outstanding stock option grants and transactions	A summary of outstanding stock option grants and related transactions follows:
								Weighted-
								Average
					Average			Remaining		Aggregated
		Number of			Exercise			Contractual		Intrinsic
		Shares			Price			Term (Years)		Value
		(In thousands)
	Outstanding at January 1, 2014		320,300		$	4.52
	Granted		-
	Exercised		(32,896	)		2.93
	Forfeited		(5,300	)		5.22
	Expired		(284	)		3.46
	Outstanding at December 31, 2014		281,820		$	4.69			7.1	$	2,431
	Vested and expected to vest at December 31, 2014		277,216		$	4.69			7.08	$	2,394
	Exercisable at December 31, 2014		198,884		$	4.62			6.68	$	1,752
Summary of non-vested restricted stock and stock units and transactions	A summary of outstanding non-vested stock and related transactions follows:
					Weighted-
					Average
		Number			Grant Date
		of Shares			Fair Value
	Outstanding at January 1, 2014		303,980		$	3.77
	Granted		105,624			13.79
	Vested		-
	Forfeited		(2,474	)		13.34
	Outstanding at December 31, 2014		407,130		$	6.31
Summary of weighted-average assumptions used in Black-Scholes option pricing model for grants of stock options	A summary of the weighted-average assumptions used in the Black-Scholes option pricing model for grants of stock options follows (no stock options were granted in 2014):
		2013			2012
	Expected dividend yield		0.31	%		0.74	%
	Risk-free interest rate		1.12			0.88
	Expected life (in years)		6			6
	Expected volatility		101.3	%		100.01	%
	Per share weighted-average grant date fair value	$	4.98		$	2.04
Information regarding options exercised	Certain information regarding options exercised during the periods ending December 31 follows:
		2014			2013			2012
		(In thousands)
	Intrinsic value	$	321		$	117		$	3
	Cash proceeds received	$	96		$	39		$	4
	Tax benefit realized	$	112		$	-		$	-

OTHER_NONINTEREST_INCOME_Table

OTHER NON-INTEREST INCOME (Tables)	12 Months Ended
	Dec. 31, 2014
Other Non-Interest Income [Abstract]
Schedule of other non-interest income	Other non-interest income for the years ended December 31 follows:
		2014		2013		2012
		(In thousands)
	Investment and insurance commissions		1,814		1,709		2,146
	ATM fees		1,599		1,661		2,140
	Bank owned life insurance		1,371		1,363		1,622
	Other real estate rental income		1,295		1,471		1,773
	Other		2,852		2,333		3,353
	Total other non-interest income	$	8,931	$	8,537	$	11,034

DERIVATIVE_FINANCIAL_INSTRUMEN1

DERIVATIVE FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
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 at December 31 follow:
			2014
							Average
			Notional				Maturity				Fair
			Amount				(years)				Value
			(Dollars in thousands)
	No hedge designation
	Rate-lock mortgage loan commitments		$	16,759				0.1			$	437
	Mandatory commitments to sell mortgage loans			38,600				0.1				(184	)
	Pay-fixed interest rate swap agreements			3,300				9.4				(182	)
	Pay-variable interest rate swap agreements			3,300				9.4				182
	Total		$	61,959				1.1			$	253
				2013
							Average
			Notional				Maturity				Fair
			Amount				(years)				Value
			(Dollars in thousands)
	No hedge designation
	Rate-lock mortgage loan commitments		$	15,754				0.1			$	366
	Mandatory commitments to sell mortgage loans			35,412				0.1				128
	Total		$	51,166				0.1			$	494
Fair value of derivative instruments	The following tables illustrate the impact that the derivative financial instruments discussed above have on individual line items in the Consolidated Statements of Financial Condition for the periods presented:
	Fair Values of Derivative Instruments
		Asset Derivatives										Liability Derivatives
		December 31,										December 31,
		2014					2013					2014					2013
		Balance					Balance					Balance					Balance
		Sheet	Fair				Sheet	Fair				Sheet	Fair				Sheet	Fair
		Location	Value				Location	Value				Location	Value				Location	Value
		(In thousands)
	Derivatives not designated as hedging instruments
	Rate-lock mortgage loan commitments	Other assets		$	437		Other assets		$	366		Other liabilities		$	-		Other liabilities		$	-
	Mandatory commitments to sell mortgage loans	Other assets			-		Other assets			128		Other liabilities			184		Other liabilities			-
	Pay-fixed interest rate swap agreements	Other assets			-		Other assets			-		Other liabilities			182		Other liabilities			-
	Pay-variable interest rate swap agreements	Other assets			182		Other assets			-		Other liabilities			-		Other liabilities			-
	Total derivatives			$	619				$	494				$	366				$	-
Effect of derivative financial instruments on consolidated statement of operation	The effect of derivative financial instruments on the Consolidated Statements of Operations follows:
	Year Ended December 31,
														Location of
														Gain (Loss)
														Reclassified
														from
		Gain (Loss)												Accumulated	Gain (Loss)
		Recognized in												Other	Reclassified from
		Other												Comprehensive	Accumulated Other
		Comprehensive												Income (Loss)	Comprehensive												Location of	Gain (Loss)
		Income (Loss)												into Income	Loss into Income												Gain (Loss)	Recognized
		(Effective Portion)												(Effective	(Effective Portion)												Recognized	in Income(1)
		2014				2013				2012				Portion)	2014				2013				2012				in Income(1)	2014				2013				2012
		(In thousands)
	Cash Flow Hedges
	Pay-fixed interest rate swap agreements		$	-			$	(37	)		$	(127	)	Interest expense		$	(380	)		$	(397	)		$	(927	)	Interest expense		$	-			$	-			$	-
	Total		$	-			$	(37	)		$	(127	)			$	(380	)		$	(397	)		$	(927	)			$	-			$	-			$	-
	No hedge designation
	Rate-lock mortgage loan commitments																										Mortgage loan gains		$	71			$	(1,002	)		$	511
	Mandatory commitments to sell mortgage loans																										Mortgage loan gains			(312	)			250				484
	Pay-fixed interest rate swap agreements																										Interest income			(182	)			-				-
	Pay-variable interest rate swap agreements																										Interest income			182				-				-
	UST short position																										Gain on securities			295				-				-
	Amended Warrant																										Decrease in fair value of U.S. Treasury warrant			-				(1,025	)			(285	)
	Total																												$	54			$	(1,777	)		$	710
	_________________
	(1)    For cash flow hedges, this location and amount refers to the ineffective portion.

RELATED_PARTY_TRANSACTIONS_Tab

RELATED PARTY TRANSACTIONS (Tables)	12 Months Ended
	Dec. 31, 2014
RELATED PARTY TRANSACTIONS [Abstract]
Summary of loans to directors and executive officers	A summary of loans to our directors and executive officers whose borrowing relationship (which includes loans to entities in which the individual owns a 10% or more voting interest) exceeds $60,000 for the years ended December 31 follows:
		2014			2013
		(In thousands)
	Balance at beginning of year	$	351		$	208
	New loans and advances		-			240
	Repayments		(135	)		(97	)
	Balance at end of year	$	216		$	351

LEASES_Tables

LEASES (Tables)	12 Months Ended
	Dec. 31, 2014
LEASES [Abstract]
Summary of future minimum lease payments under non-cancelable operating leases	A summary of future minimum lease payments under non-cancelable operating leases at December 31, 2014, follows:
		(In thousands)
	2015	$	1,254
	2016		767
	2017		686
	2018		652
	2019		561
	2020 and thereafter		783
	Total	$	4,703

REGULATORY_MATTERS_Tables

REGULATORY MATTERS (Tables)	12 Months Ended
	Dec. 31, 2014
REGULATORY MATTERS [Abstract]
Actual capital amounts and ratios	Our actual capital amounts and ratios at December 31 follow:
								Minimum for						Minimum for
								Adequately Capitalized						Well-Capitalized
		Actual						Institutions						Institutions
		Amount			Ratio			Amount			Ratio			Amount		Ratio
		(Dollars in thousands)
	2014
	Total capital to risk-weighted assets
	Consolidated	$	265,163			18.06	%	$	117,427			8	%	NA		NA
	Independent Bank		247,883			16.9			117,374			8			146,718		10	%
	Tier 1 capital to risk-weighted assets
	Consolidated	$	246,628			16.8	%	$	58,714			4	%	NA		NA
	Independent Bank		229,361			15.63			58,687			4			88,031		6	%
	Tier 1 capital to average assets
	Consolidated	$	246,628			11.18	%	$	88,206			4	%	NA		NA
	Independent Bank		229,361			10.46			87,687			4			109,609		5	%
	2013
	Total capital to risk-weighted assets
	Consolidated	$	245,284			17.35	%	$	113,086			8	%	NA		NA
	Independent Bank		234,078			16.57			113,013			8		$	141,267		10	%
	Tier 1 capital to risk-weighted assets
	Consolidated	$	227,338			16.08	%	$	56,543			4	%	NA		NA
	Independent Bank		216,146			15.3			56,507			4		$	84,760		6	%
	Tier 1 capital to average assets
	Consolidated	$	227,338			10.61	%	$	85,729			4	%	NA		NA
	Independent Bank		216,146			10.09			85,681			4		$	107,101		5	%
	NA - Not applicable
Components of regulatory capital
	The components of our regulatory capital are as follows:
		Consolidated						Independent Bank
		December 31,						December 31,
		2014			2013			2014			2013
		(In thousands)
	Total shareholders' equity	$	250,371		$	231,581		$	257,832		$	250,306
	Add (deduct)
	Qualifying trust preferred securities		34,500			39,500			-			-
	Accumulated other comprehensive loss		5,636			9,245			5,636			9,245
	Intangible assets		(2,627	)		(3,163	)		(2,627	)		(3,163	)
	Disallowed deferred tax assets		(40,500	)		(49,609	)		(30,728	)		(40,026	)
	Disallowed capitalized mortgage loan servicing rights		(752	)		(216	)		(752	)		(216	)
	Tier 1 capital		246,628			227,338			229,361			216,146
	Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets		18,535			17,946			18,522			17,932
	Total risk-based capital	$	265,163		$	245,284		$	247,883		$	234,078

FAIR_VALUE_DISCLOSURES_Tables

FAIR VALUE DISCLOSURES (Tables)	12 Months Ended
	Dec. 31, 2014
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
							Quoted
							Prices
							in Active
							Markets				Significant			Significant
							for				Other			Un-
			Fair Value				Identical				Observable			observable
			Measure-				Assets				Inputs			Inputs
			ments				(Level 1)				(Level 2)			(Level 3)
			(In thousands)
	December 31, 2014:
	Measured at Fair Value on a Recurring Basis:
	Assets
	Trading securities		$	203			$	203			$	-		$	-
	Securities available for sale
	U.S. agency			35,006				-				35,006			-
	U.S. agency residential mortgage-backed			257,558				-				257,558			-
	U.S. agency commercial mortgage-backed			33,728				-				33,728			-
	Private label residential mortgage-backed			6,013				-				6,013			-
	Other asset backed			32,353				-				32,353			-
	Obligations of states and political subdivisions			143,415				-				143,415			-
	Corporate			22,664				-				22,664			-
	Trust preferred			2,441				-				2,441			-
	Loans held for sale			23,662				-				23,662			-
	Derivatives (1)			619				-				619			-
	Liabilities
	Derivatives (2)			366				-				366			-
	Measured at Fair Value on a Non-recurring basis:
	Assets
	Capitalized mortgage loan servicing rights (3)			9,197				-				-			9,197
	Impaired loans (4)
	Commercial
	Income producing - real estate			869				-				-			869
	Land, land development & construction-real estate			354				-				-			354
	Commercial and industrial			2,601				-				-			2,601
	Mortgage
	1-4 Family			1,306				-				-			1,306
	Other real estate (5)
	Commercial
	Income producing - real estate			479				-				-			479
	Land, land development & construction-real estate			737				-				-			737
	Mortgage
	1-4 Family			102				-				-			102
	Resort Lending			575				-				-			575
	Installment
	Home equity - 1st lien			13				-				-			13
	___________________
	(1) Included in accrued income and other assets
	(2) Included in accrued expenses and other liabilities
	(3) Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance.
	(4) Only includes impaired loans with specific loss allocations based on collateral value.
	(5) Only includes other real estate with subsequent write downs to fair value.
							Fair Value Measurements Using
							Quoted
							Prices
							in Active
							Markets				Significant			Significant
							for				Other			Un-
			Fair Value				Identical				Observable			observable
			Measure-				Assets				Inputs			Inputs
			ments				(Level 1)				(Level 2)			(Level 3)
			(In thousands)
	December 31, 2013:
Measured at Fair Value on a Recurring Basis:
Assets
Trading securities		$	498			$	498			$	-		$	-
Securities available for sale
U.S. agency			31,808				-				31,808			-
U.S. agency residential mortgage-backed			203,460				-				203,460			-
Private label residential mortgage-backed			6,788				-				6,788			-
Other asset backed			45,185				-				45,185			-
Obligations of states and political subdivisions			153,678				-				153,678			-
Corporate			19,137				-				19,137			-
Trust preferred			2,425				-				2,425			-
Loans held for sale			20,390				-				20,390			-
Derivatives (1)			494				-				494			-
Liabilities
Derivatives (2)			-				-				-			-
Measured at Fair Value on a Non-recurring basis:
Assets
Capitalized mortgage loan servicing rights (3)			7,773				-				-			7,773
Impaired loans (4)
Commercial
Income producing - real estate			1,997				-				-			1,997
Land, land development & construction-real estate			673				-				-			673
Commercial and industrial			2,927				-				-			2,927
Mortgage
1-4 Family			1,455				-				-			1,455
Resort Lending			340				-				-			340
Other real estate (5)
Commercial
Income producing - real estate			559				-				-			559
Land, land development & construction-real estate			1,047				-				-			1,047
Mortgage
1-4 Family			337				-				-			337
Resort Lending			1,257				-				-			1,257
Installment
Home equity - 1st lien			29				-				-			29
Payment plan receivables
Full refund/partial refund			2,668				-				-			2,668
_____________________
(1) Included in accrued income and other assets
(2) Included in accrued expenses and other liabilities
(3) Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance.
(4) Only includes impaired loans with specific loss allocations based on collateral value.
(5) Only includes other real estate with subsequent write downs to fair value.
Changes in fair value for financial assets	Changes in fair values of financial assets for which we have elected the fair value option for the years ended December 31 were as follows:
											Total
											Change
											in Fair
											Values
											Included
			Net Gains (Losses)								in Current
			on Assets								Period
			Securities				Loans				Earnings
		(In thousands)
	2014
	Trading securities		$	(295	)		$	-			$	(295	)
	Loans held for sale			-				258				258
	2013
	Trading securities		$	388			$	-			$	388
	Loans held for sale			-				(1,477	)			(1,477	)
	2012
	Trading securities		$	33			$	-			$	33
	Loans held for sale			-				440				440
Reconciliation for all assets and liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3)	A reconciliation for all liabilities measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31 follows:
			(Liability)
			Amended Warrant
			2014				2013
			(In thousands)
	Beginning balance		$	-			$	(459	)
	Total gains (losses) realized and unrealized:
	Included in results of operations			-				(1,025	)
	Included in other comprehensive income			-				-
	Purchases, issuances, settlements, maturities and calls			-				-
	Reclassification to shareholders' equity			-				1,484
	Transfers in and/or out of Level 3			-				-
	Ending balance		$	-			$	-
	Amount of total gains (losses) for the year included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at December 31		$	-			$	-
Quantitative information about Level 3 fair value measurements measured on a non-recurring basis	Quantitative information about Level 3 fair value measurements measured on a non-recurring basis follows:
			Asset
			(Liability)
			Fair			Valuation		Unobservable		Weighted
			Value			Technique		Inputs		Average
			(In thousands)
	2014
	Capitalized mortgage loan servicing rights		$	9,197		Present value of net servicing revenue		Discount rate			10.07	%
								Cost to service		$	82
								Ancillary income			25
								Float rate			1.77	%
	Impaired loans Commercial (1)			2,751		Sales comparison approach		Adjustment for differences between comparable sales			(3.8	)%
						Income approach		Capitalization rate			9.3
	Mortgage			1,306		Sales comparison approach		Adjustment for differences between comparable sales			8.6
				1,216		Sales comparison approach		Adjustment for differences between comparable sales			(9.0	)
	Other real estate Commercial
	Mortgage and installment			690		Sales comparison approach		Adjustment for differences between comparable sales			34.3
	2013
	Capitalized mortgage loan servicing rights		$	7,773		Present value of net servicing revenue		Discount rate			10.09	%
								Cost to service		$	81
								Ancillary income			29
								Float rate			1.79	%
	Impaired loans Commercial			5,597		Sales comparison approach		Adjustment for differences between comparable sales			(1.9	)%
						Income approach		Capitalization rate			9.3
	Mortgage			1,795		Sales comparison approach		Adjustment for differences between comparable sales			3.2
	Other real estate Commercial			1,606		Sales comparison approach		Adjustment for differences between comparable sales			(5.7	)
	Mortgage and installment			1,623		Sales comparison approach		Adjustment for differences between comparable sales			55.7
	Payment plan receivables			2,668		Sales comparison approach		Adjustment for differences between comparable sales			10.4
	_____________________
	(1) In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2014 we had an impaired collateral dependent commercial relationship that totaled $1.1 million that was primarily secured by collateral other than real estate.  Collateral securing this relationship primarily included machinery and equipment, accounts receivable, inventory and company stock.  Valuation techniques included discounting cost and financial statement value approaches based on estimates of value recovery of each particular asset type.  Discount rates used ranged from 35% 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 at December 31.
			Aggregate								Contractual
			Fair Value				Difference				Principal
			(In thousands)
	Loans held for sale
	2014		$	23,662			$	624			$	23,038
	2013			20,390				366				20,024
	2012			47,487				1,843				45,644

FAIR_VALUES_OF_FINANCIAL_INSTR1

FAIR VALUES OF FINANCIAL INSTRUMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
Fair Values of Financial Instruments [Abstract]
Estimated fair values and recorded book balances	The estimated recorded book balances and fair values follow:
						Fair Value Using
						Quoted
						Prices
						in Active
						Markets		Significant		Significant
						for		Other		Un-
		Recorded				Identical		Observable		observable
		Book				Assets		Inputs		Inputs
		Balance		Fair Value		(Level 1)		(Level 2)		(Level 3)
		(In thousands)
	2014
	Assets
	Cash and due from banks	$	48,326	$	48,326	$	48,326	$	-	$	-
	Interest bearing deposits		25,690		25,690		25,690		-		-
	Interest bearing deposits - time		13,561		13,585		-		13,585		-
	Trading securities		203		203		203		-		-
	Securities available for sale		533,178		533,178		-		533,178		-
	Federal Home Loan Bank and Federal Reserve Bank Stock		19,919	NA		NA		NA		NA
	Net loans and loans held for sale		1,407,634		1,394,424		-		23,662		1,370,762
	Accrued interest receivable		5,995		5,995		2		1,599		4,394
	Derivative financial instruments		619		619		-		619		-
	Liabilities
	Deposits with no stated maturity (1)	$	1,534,175	$	1,534,175	$	1,534,175	$	-	$	-
	Deposits with stated maturity (1)		390,127		389,139		-		389,139		-
	Other borrowings		12,470		14,560		-		14,560		-
	Subordinated debentures		35,569		23,328		-		23,328		-
	Accrued interest payable		380		380		21		359		-
	Derivative financial instruments		366		366		-		366		-
	2013
	Assets
	Cash and due from banks	$	48,156	$	48,156	$	48,156	$	-	$	-
	Interest bearing deposits		70,925		70,925		70,925		-		-
	Interest bearing deposits - time		17,999		18,000		-		18,000		-
	Trading securities		498		498		498		-		-
	Securities available for sale		462,481		462,481		-		462,481		-
	Federal Home Loan Bank and Federal Reserve Bank Stock		23,419	NA		NA		NA		NA
	Net loans and loans held for sale		1,362,635		1,333,229		-		20,390		1,312,839
	Accrued interest receivable		5,948		5,948		1		1,426		4,521
	Derivative financial instruments		494		494		-		494		-
	Liabilities
	Deposits with no stated maturity (1)	$	1,440,225	$	1,440,225	$	1,440,225	$	-	$	-
	Deposits with stated maturity (1)		444,581		446,366		-		446,366		-
	Other borrowings		17,188		19,726		-		19,726		-
	Subordinated debentures		40,723		27,871		-		27,871		-
	Accrued interest payable		445		445		20		425		-
	Derivative financial instruments		-		-		-		-		-
	______________________
	(1)  Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $13.6 million and $11.2 million at December 31, 2014 and 2013, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $40.1 million and $72.3 million at December 31, 2014 and 2013, respectively.

OPERATING_SEGMENTS_Tables

OPERATING SEGMENTS (Tables)	12 Months Ended
	Dec. 31, 2014
OPERATING SEGMENTS [Abstract]
Summary of selected financial information for reportable segments	A summary of selected financial information for our reportable segments follows:
		IB			Mepco			Other(1)(2)			Elimination(3)			Total
		(In thousands)
	2014
	Total assets	$	2,174,536		$	63,378		$	286,158		$	(275,342	)	$	2,248,730
	Interest income		73,551			7,004			64			(64	)		80,555
	Net interest income		68,948			5,706			(1,398	)		-			73,256
	Provision for loan losses		(3,098	)		(38	)		-			-			(3,136	)
	Income (loss) before income tax		25,845			561			(1,095	)		(95	)		25,216
	Net income (loss)		18,550			366			(712	)		(183	)		18,021
	2013
	Total assets	$	2,104,550		$	94,648		$	272,348		$	(261,603	)	$	2,209,943
	Interest income		76,018			11,103			-			-			87,121
	Net interest income		71,496			8,780			(2,317	)		-			77,959
	Provision for loan losses		(3,891	)		(97	)		-			-			(3,988	)
	Income (loss) before income tax		29,605			(2,891	)		(3,961	)		(95	)		22,658
	Net income (loss)		74,313			(1,801	)		5,092			(95	)		77,509
	2012
	Total assets	$	1,885,807		$	135,447		$	192,343		$	(189,730	)	$	2,023,867
	Interest income		84,760			14,638			-			-			99,398
	Net interest income		77,919			11,115			(2,779	)		-			86,255
	Provision for loan losses		6,895			(8	)		-			-			6,887
	Income (loss) before income tax		27,379			2,591			(3,677	)		(95	)		26,198
	Net income (loss)		28,260			1,710			(3,677	)		(95	)		26,198
	_______________________
	(1) During 2013 IB and Other (parent company) include $47.1 million and $9.0 million, respectively of income tax benefit related to the reversal of the valuation allowance on our net deferred tax assets (see note #13).
	(2) Includes amounts relating to our parent company and certain insignificant operations.
	(3) Includes parent company’s investment in subsidiaries and cash balances maintained at subsidiary.

ACCUMULATED_OTHER_COMPREHENSIV1

ACCUMULATED OTHER COMPREHENSIVE LOSS (Tables)	12 Months Ended
	Dec. 31, 2014
ACCUMULATED OTHER COMPREHENSIVE LOSS [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss)	A summary of changes in accumulated other comprehensive  loss  (“AOCL”)  during the  years  ended December 31 follows (1):
						Dispropor-
						tionate									Dispropor-
		Unrealized				Tax Effects									tionate
		Losses on				from			Unrealized			Unrealized			Tax Effects
		Available				Securities			Losses on			Losses on			from Cash
		for Sale				Available			Cash Flow			Settled			Flow
		Securities				for Sale			Hedges			Derivatives			Hedges			Total
									(In thousands)
	2014
	Balances at beginning of period	$	(3,200	)		$	(5,798	)	$	-		$	(247	)	$	-		$	(9,245	)
	Other comprehensive income before reclassifications		3,570				-			-			-			-			3,570
	Amounts reclassified from AOCL		(208	)			-			-			247			-			39
	Net current period other comprehensive income		3,362				-			-			247			-			3,609
	Balances at end of period	$	162			$	(5,798	)	$	-		$	-		$	-		$	(5,636	)
	2013
	Balances at beginning of period	$	(516	)		$	(5,617	)	$	(739	)	$	-		$	(1,186	)	$	(8,058	)
	Income tax		181				(181	)		258			-			(258	)		-
	Balances at beginning of period, net of tax		(335	)			(5,798	)		(481	)		-			(1,444	)		(8,058	)
	Terminated cash flow hedge		-				-			370			(370	)		-			-
	Other comprehensive income before reclassifications		(2,877	)			-			(24	)		-			-			(2,901	)
	Amounts reclassified from AOCL		12				-			135			123			1,444			1,714
	Net current period other comprehensive income (loss)		(2,865	)			-			111			123			1,444			(1,187	)
	Balances at end of period	$	(3,200	)		$	(5,798	)	$	-		$	(247	)	$	-		$	(9,245	)
	2012
	Balances at beginning of period	$	(3,579	)		$	(5,617	)	$	(1,103	)	$	(436	)	$	(1,186	)	$	(11,921	)
	Other comprehensive income (loss) before reclassifications		3,917				-			(127	)		-			-			3,790
	Amounts reclassified from AOCL		(854	)			-			491			436			-			73
	Net current period other comprehensive income		3,063				-			364			436			-			3,863
	Balances at end of period	$	(516	)		$	(5,617	)	$	(739	)	$	-		$	(1,186	)	$	(8,058	)
	____________________________________
	(1) 2014 and 2013 amounts are presented net of tax as we removed substantially all of the valuation allowance on our deferred tax assets during the second quarter of 2013 (see note #13).
Summary of reclassifications out of each component of AOCL	A summary of reclassifications out of each component of AOCL for the years ended December 31 follows:
		Reclassified
		From			Affected Line Item in
	AOCL Component	AOCL			Consolidated Statements of Operations
		(In thousands)
	2014
	Unrealized losses on available for sale securities
		$	329		Net gains on securities
			(9	)	Net impairment loss recognized in earnings
			320		Total reclassifications before tax
			112		Tax expense (benefit)
		$	208		Reclassifications, net of tax
	Unrealized losses on settled derivatives
		$	(380	)	Interest expense
			(133	)	Tax expense (benefit)
		$	(247	)	Reclassification, net of tax
		$	(39	)	Total reclassifications for the period, net of tax
	2013
	Unrealized losses on available for sale securities
		$	7		Net gains on securities
			(26	)	Net impairment loss recognized in earnings
			(19	)	Total reclassifications before tax
			(7	)	Tax expense (benefit)
		$	(12	)	Reclassifications, net of tax
	Unrealized losses on cash flow hedges
		$	(208	)	Interest expense
			(73	)	Tax expense (benefit)
		$	(135	)	Reclassification, net of tax
	Unrealized losses on settled derivatives
		$	(189	)	Interest expense
			(66	)	Tax expense (benefit)
		$	(123	)	Reclassification, net of tax
	Disproportionate tax effects from cash flow hedges	$	1,444		Tax expense (benefit)
		$	(1,714	)	Total reclassifications for the period, net of tax
		Reclassified
		From			Affected Line Item in
	AOCL Component	AOCL			Consolidated Statements of Operations
		(In thousands)
	2012
	Unrealized losses on available for sale securities
		$	1,193		Net gains on securities
			(339	)	Net impairment loss recognized in earnings
			854		Total reclassifications before tax
			-		Tax expense (benefit)
		$	854		Reclassifications, net of tax
	Unrealized losses on cash flow hedges
		$	(491	)	Interest expense
			-		Tax expense (benefit)
		$	(491	)	Reclassification, net of tax
	Unrealized losses on settled derivatives
		$	(436	)	Interest expense
			-		Tax expense (benefit)
		$	(436	)	Reclassification, net of tax
		$	(73	)	Total reclassifications for the period, net of tax

INDEPENDENT_BANK_CORPORATION_P1

INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION (Tables)	12 Months Ended
	Dec. 31, 2014
INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION [Abstract]
CONDENSED STATEMENTS OF FINANCIAL CONDITION	CONDENSED STATEMENTS OF FINANCIAL CONDITION
		December 31,
		2014			2013
		(In thousands)
	ASSETS
	Cash and due from banks	$	5,174		$	11,654
	Interest bearing deposits - time		12,500			-
	Investment in subsidiaries		258,901			251,529
	Other assets		9,583			9,165
	Total Assets	$	286,158		$	272,348
	LIABILITIES AND SHAREHOLDERS’ EQUITY
	Subordinated debentures	$	35,569		$	40,723
	Other liabilities		382			391
	Shareholders’ equity		250,207			231,234
	Total Liabilities and Shareholders’ Equity	$	286,158		$	272,348
CONDENSED STATEMENTS OF OPERATIONS	CONDENSED STATEMENTS OF OPERATIONS
		Year Ended December 31,
		2014			2013			2012
		(In thousands)
	OPERATING INCOME (LOSS)
	Gain on extinguishment of debt	$	500		$	-		$	-
	Gain on securities		295			-			-
	Interest income		64			-			-
	Increase in fair value of U.S. Treasury warrant		-			(1,025	)		(285	)
	Other income		35			63			70
	Total Operating Income (Loss)		894			(962	)		(215	)
	OPERATING EXPENSES
	Interest expense		1,462			2,317			2,779
	Administrative and other expenses		527			682			683
	Total Operating Expenses		1,989			2,999			3,462
	Loss Before Income Tax and Equity in Undistributed Net Income of Subsidiaries		(1,095	)		(3,961	)		(3,677	)
	Income tax benefit		(383	)		(9,053	)		-
	Income (Loss) Before Equity in Undistributed Net Income of Subsidiaries		(712	)		5,092			(3,677	)
	Equity in undistributed net income of subsidiaries		18,733			72,417			29,875
	Net Income	$	18,021		$	77,509		$	26,198
CONDENSED STATEMENTS OF CASH FLOWS	CONDENSED STATEMENTS OF CASH FLOWS
		Year Ended December 31,
		2014			2013			2012
		(In thousands)
	Net Income	$	18,021		$	77,509		$	26,198
	ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH USED IN OPERATING ACTIVITIES
	Deferred income taxes		(383	)		(8,955	)		-
	Gain on extinguishment of debt		(500	)		-			-
	Gain on securities		(295	)		-			-
	Share based compensation		46			84			184
	(Increase) decrease in other assets		118			738			(46	)
	Increase (decrease) in other liabilities		287			(5,858	)		2,945
	Equity in undistributed net income of subsidiaries operations		(18,733	)		(72,417	)		(29,875	)
	Total Adjustments		(19,460	)		(86,408	)		(26,792	)
	Net Cash Used in Operating Activities		(1,439	)		(8,899	)		(594	)
	CASH FLOW FROM INVESTING ACTIVITIES
	Purchases of interest bearing deposits		(17,500	)		-			-
	Maturity of interest bearing deposits		5,000			-			-
	Return of capital from subsidiary		15,000			7,500			-
	Net Cash From Investing Activities		2,500			7,500			-
	CASH FLOW FROM FINANCING ACTIVITIES
	Dividends paid		(4,129	)		-			-
	Proceeds from issuance of common stock		1,242			100,230			2,244
	Redemption of subordinated debt		(4,654	)		(9,452	)		-
	Redemption of convertible preferred stock and common stock warrant		-			(81,000	)		-
	Share based compensation withholding obligation		-			(513	)		-
	Net Cash From (Used in) Financing Activities		(7,541	)		9,265			2,244
	Net Increase (Decrease) in Cash and Cash Equivalents		(6,480	)		7,866			1,650
	Cash and Cash Equivalents at Beginning of Year		11,654			3,788			2,138
	Cash and Cash Equivalents at End of Year	$	5,174		$	11,654		$	3,788

ACCOUNTING_POLICIES_Details

ACCOUNTING POLICIES (Details) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
	Employee
	Payments
ACCOUNTING POLICIES [Abstract]
Percentage of loan portfolio secured by real estate (in hundredths)	72.50%
Mortgage Loan Servicing Rights [Abstract]
Mortgage loan servicing fees	$4.20	$4.30	$4.40
Loan Revenue Recognition [Abstract]
Number of past due days for commercial loan, installment loans and payment plan receivables	90 days
Number of consecutive payments for mortgage loans misses	4
Bank Owned Life Insurance [Abstract]
Number of lives of group flexible premium non-participating variable life insurance contract	270
Income Taxes [Abstract]
Percentage of largest amount of tax benefit (in hundredths)	50.00%
Dividend Reinvestment Plan [Member]
Stock Reserved [Line Items]
Common stock reserved for issuance (in shares)	0.1
Long-Term Incentive Plans [Member]
Stock Reserved [Line Items]
Common stock reserved for issuance (in shares)	0.7
Minimum [Member]
Other Intangible Assets [Line Items]
Estimated useful lives	10 years
Maximum [Member]
Other Intangible Assets [Line Items]
Estimated useful lives	15 years
Building [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Depreciated over a period	39 years
Equipment [Member] | Maximum [Member]
Property, Plant and Equipment [Line Items]
Depreciated over a period	7 years

RESTRICTIONS_ON_CASH_AND_DUE_F1

RESTRICTIONS ON CASH AND DUE FROM BANKS (Details) (USD $)	12 Months Ended
In Millions, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
RESTRICTIONS ON CASH AND DUE FROM BANKS [Abstract]
Average reserve balances maintained	$15.30	$24.50
Reserve balances related to investment security transactions and merchant payment processing operations	$2.80	$2.40

SECURITIES_Details

SECURITIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012		Mar. 31, 2013
	Security						Security
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	$532,930,000		$467,406,000
Unrealized gains	3,317,000		2,048,000
Unrealized losses	3,069,000		6,973,000
Fair value	533,178,000		462,481,000
Accumulated other comprehensive loss	0		200,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	163,665,000		240,287,000
Less Than Twelve Months, Unrealized Losses	909,000		5,745,000
Twelve Months or More, Fair Value	69,122,000		11,832,000
Twelve Months or More, Unrealized Losses	2,160,000		1,228,000
Total, Fair value	232,787,000		252,119,000
Total, Unrealized Losses	3,069,000		6,973,000
Private Label Residential Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	3,827,000
Amortized cost	3,683,000
Non-credit unrealized loss	43,000
Unrealized gain	187,000
Cumulative credit related OTTI	1,594,000
OTTI changes recorded in earnings	9,000		26,000		339,000
The number of private label mortgage backed securities currently below investment grade with OTTI	4
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Roll Forward]
Balance at beginning of period	1,835,000		1,809,000		1,470,000
Additions to credit losses on securities for which no previous OTTI was recognized	0		0		0
Increases to credit losses on securities for which OTTI was previously recognized	9,000		26,000		339,000
Balance at end of period	1,844,000		1,835,000		1,809,000
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis, Fiscal Year Maturity [Abstract]
Maturing within one year	25,427,000
Maturing after one year but within five years	66,532,000
Maturing after five years but within ten years	41,651,000
Maturing after ten years	70,624,000
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis	204,234,000
U.S. agency residential mortgage-backed	256,387,000
U.S. agency commercial mortgage-backed	33,779,000
Private label residential mortgage-backed	6,216,000
Other asset backed	32,314,000
Total	532,930,000
Available-for-sale Securities, Debt Maturities, Fair Value, Fiscal Year Maturity [Abstract]
Maturing within one year	25,479,000
Maturing after one year but within five years	66,666,000
Maturing after five years but within ten years	41,780,000
Maturing after ten years	69,601,000
Available-for-sale Securities fair value total	203,526,000
U.S. agency residential mortgage backed	257,558,000
U.S. agency commercial mortgage-backed	33,728,000
Private label residential mortgage-backed	6,013,000
Other asset backed	32,353,000
Total	533,178,000
Gain and losses realized on sale of securities available for sale [Abstract]
Proceeds	14,633,000		2,940,000		37,176,000
Realized Gains	329,000	[1]	15,000	[1]	1,193,000	[1]
Realized Losses	0	[2]	8,000	[2]	0	[2]
Realized gain related to U.S. Treasury short position	300,000
Credit Related OTTI Recognized in Earnings	10,000		30,000		300,000
Trading Securities, Realized Gain (Loss)	-300,000		390,000		30,000
Securities Disclosures [Abstract]
Pledged securities with book value	1,100,000		10,700,000
Shareholder equity threshold not exceeded by revenue or taxing authority amount (in hundredths)	10.00%
U.S. Agency [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	34,936,000		32,106,000
Unrealized gains	133,000		44,000
Unrealized losses	63,000		342,000
Fair value	35,006,000		31,808,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	12,851,000		16,715,000
Less Than Twelve Months, Unrealized Losses	58,000		342,000
Twelve Months or More, Fair Value	606,000		0
Twelve Months or More, Unrealized Losses	5,000		0
Total, Fair value	13,457,000		16,715,000
Total, Unrealized Losses	63,000		342,000
Number of securities with market fair value less than amortized cost	17
U.S. Agency Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	256,387,000		202,649,000
Unrealized gains	1,838,000		1,343,000
Unrealized losses	667,000		532,000
Fair value	257,558,000		203,460,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	89,547,000		78,256,000
Less Than Twelve Months, Unrealized Losses	531,000		532,000
Twelve Months or More, Fair Value	15,793,000		0
Twelve Months or More, Unrealized Losses	136,000		0
Total, Fair value	105,340,000		78,256,000
Total, Unrealized Losses	667,000		532,000
Number of securities with market fair value less than amortized cost	72
U.S. Agency Commercial Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	33,779,000
Unrealized gains	68,000
Unrealized losses	119,000
Fair value	33,728,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	21,325,000
Less Than Twelve Months, Unrealized Losses	119,000
Twelve Months or More, Fair Value	0
Twelve Months or More, Unrealized Losses	0
Total, Fair value	21,325,000
Total, Unrealized Losses	119,000
Number of securities with market fair value less than amortized cost	19
Private Label Residential Mortgage-Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	6,216,000		7,294,000
Unrealized gains	187,000		112,000
Unrealized losses	390,000		618,000
Fair value	6,013,000		6,788,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	208,000		407,000
Less Than Twelve Months, Unrealized Losses	1,000		6,000
Twelve Months or More, Fair Value	4,013,000		4,602,000
Twelve Months or More, Unrealized Losses	389,000		612,000
Total, Fair value	4,221,000		5,009,000
Total, Unrealized Losses	390,000		618,000
Number of securities with market fair value less than amortized cost	5
Number of issues rated as investment grade	2
Number of securities rated below investment grade	2
Number of securities that are split rated	1
Number of bonds with impairment in excess of ten percent	2
Percentage of excess impairment on bonds (in hundredths)	10.00%
Number of bonds with impairment for more than 12 months	4
Private Label Residential Mortgage Backed Securities Below Investment Grade [Abstract]
Number of private label mortgage backed securities currently below investment grade with OTTI unrealized gains	2
Number of private label mortgage backed securities currently below investment grade with OTTI unrealized loss	1						3
Number of private label mortgage backed securities currently below investment grade with OTTI unrealized loss less than previous OTTI credit	2
Senior Security [Member]
Private Label Residential Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	2,164,000
Amortized cost	2,207,000
Non-credit unrealized loss	43,000
Unrealized gain	0
Cumulative credit related OTTI	757,000
OTTI changes recorded in earnings	9,000		26,000		247,000
Super Senior Security [Member]
Private Label Residential Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	1,566,000
Amortized cost	1,476,000
Non-credit unrealized loss	0
Unrealized gain	90,000
Cumulative credit related OTTI	457,000
OTTI changes recorded in earnings	0		0		32,000
Senior Support Security [Member]
Private Label Residential Mortgage Backed Securities Below Investment Grade [Abstract]
Fair value	97,000
Amortized cost	0
Non-credit unrealized loss	0
Unrealized gain	97,000
Cumulative credit related OTTI	380,000
OTTI changes recorded in earnings	0		0		60,000
Other Asset Backed [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	32,314,000		45,369,000
Unrealized gains	77,000		10,000
Unrealized losses	38,000		194,000
Fair value	32,353,000		45,185,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	2,960,000		33,862,000
Less Than Twelve Months, Unrealized Losses	15,000		194,000
Twelve Months or More, Fair Value	8,729,000		0
Twelve Months or More, Unrealized Losses	23,000		0
Total, Fair value	11,689,000		33,862,000
Total, Unrealized Losses	38,000		194,000
Number of securities with market fair value less than amortized cost	9
Obligations of States and Political Subdivisions [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	143,698,000		157,966,000
Unrealized gains	961,000		496,000
Unrealized losses	1,244,000		4,784,000
Fair value	143,415,000		153,678,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	28,114,000		103,942,000
Less Than Twelve Months, Unrealized Losses	106,000		4,645,000
Twelve Months or More, Fair Value	37,540,000		4,805,000
Twelve Months or More, Unrealized Losses	1,138,000		139,000
Total, Fair value	65,654,000		108,747,000
Total, Unrealized Losses	1,244,000		4,784,000
Number of securities with market fair value less than amortized cost	96
Corporate [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	22,690,000		19,120,000
Unrealized gains	53,000		43,000
Unrealized losses	79,000		26,000
Fair value	22,664,000		19,137,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Abstract]
Less Than Twelve Months, Fair Value	8,660,000		7,105,000
Less Than Twelve Months, Unrealized Losses	79,000		26,000
Twelve Months or More, Fair Value	0		0
Twelve Months or More, Unrealized Losses	0		0
Total, Fair value	8,660,000		7,105,000
Total, Unrealized Losses	79,000		26,000
Number of securities with market fair value less than amortized cost	11
Trust Preferred [Member]
Available-for-sale Securities, Amortized Cost Basis [Abstract]
Amortized cost	2,910,000		2,902,000
Unrealized gains	0		0
Unrealized losses	469,000		477,000
Fair value	2,441,000		2,425,000
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	2,441,000		2,425,000
Twelve Months or More, Unrealized Losses	469,000		477,000
Total, Fair value	2,441,000		2,425,000
Total, Unrealized Losses	469,000		477,000
Number of securities with market fair value less than amortized cost	3
Number of issues rated as investment grade	1
Number of securities rated below investment grade	1
Number of major credit rating agencies rating securities with fair value less than amortized cost	2
Number of securities not rated	1
Non-rated securities, amortized cost	1,000,000
Fair value of non-rated trust preferred securities	800,000
Rated Issues [Member]
Trust preferred securities [Abstract]
Fair Value	1,643,000		1,600,000
Net Unrealized Loss	-267,000		-302,000
Unrated Issues - No OTTI [Member]
Trust preferred securities [Abstract]
Fair Value	798,000		825,000
Net Unrealized Loss	($202,000)		($175,000)
[1]	Gains in 2014 exclude $0.3 million of realized gain related to a U.S. Treasury short position.
[2]	Losses in 2014, 2013 and 2012 exclude $0.01 million, $0.03 million and $0.3 million, respectively of credit related OTTI recognized in earnings.

LOANS_AND_PAYMENT_PLAN_RECEIVA2

LOANS AND PAYMENT PLAN RECEIVABLES (Details) (USD $)	Dec. 31, 2014		Dec. 31, 2013
Loans [Abstract]
Total Loans	$1,409,962,000		$1,374,570,000
Net of deferred loan fees	1,000,000		200,000
Payment plan receivables	42,600,000		64,700,000
Unamortized discount	2,600,000		4,100,000
Effective yields of payment plan receivables (in hundredths)	14.00%		15.00%
Residential First Mortgages [Member]
Loans [Abstract]
Total Loans	411,423,000	[1]	431,812,000	[1]
Residential Home Equity and Other Junior Mortgages [Member]
Loans [Abstract]
Total Loans	108,162,000	[1]	113,703,000	[1]
Construction and Land Development [Member]
Loans [Abstract]
Total Loans	54,644,000	[1]	50,290,000	[1]
Other [Member]
Loans [Abstract]
Total Loans	447,837,000	[1],[2]	440,348,000	[1],[2]
Commercial [Member]
Loans [Abstract]
Total Loans	186,875,000		146,954,000
Consumer [Member]
Loans [Abstract]
Total Loans	154,591,000		126,443,000
Payment Plan Receivables [Member]
Loans [Abstract]
Total Loans	40,001,000		60,638,000
Agricultural [Member]
Loans [Abstract]
Total Loans	$6,429,000		$4,382,000
[1]	Includes both residential and non-residential commercial loans secured by real estate.
[2]	Includes loans secured by multi-family residential and non-farm, non-residential property.

LOANS_AND_PAYMENT_PLAN_RECEIVA3

LOANS AND PAYMENT PLAN RECEIVABLES , Allowance for Loan Losses (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	$32,325		$44,275		$58,884
Additions (deductions) [Abstract]
Provision for loan losses	-3,136		-3,988		6,887
Recoveries credited to allowance	7,420		8,270		6,522
Loans charged against the allowance	-10,619		-16,232		-27,408
Reclassification to loans held for sale					-610
Balance at end of period	25,990		32,325		44,275
Allowance for loan losses [Abstract]
Individually evaluated for impairment	13,233		15,158
Collectively evaluated for impairment	12,757		17,167
Total ending allowance balance	25,990		32,325
Loans [Abstract]
Individually evaluated for impairment	113,166		125,713
Collectively evaluated for impairment	1,301,250		1,253,436
Total loans recorded investment	1,414,416		1,379,149
Accrued interest included in recorded investment	4,454		4,579
Total loans	1,409,962		1,374,570
Commercial [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	6,827		11,402		18,183
Additions (deductions) [Abstract]
Provision for loan losses	-1,683		-2,336		2,351
Recoveries credited to allowance	4,914		5,119		3,610
Loans charged against the allowance	-4,613		-7,358		-12,588
Reclassification to loans held for sale					-154
Balance at end of period	5,445		6,827		11,402
Allowance for loan losses [Abstract]
Individually evaluated for impairment	3,194		3,878
Collectively evaluated for impairment	2,251		2,949
Total ending allowance balance	5,445		6,827
Loans [Abstract]
Individually evaluated for impairment	34,147		40,623
Collectively evaluated for impairment	658,423		596,235
Total loans recorded investment	692,570		636,858
Accrued interest included in recorded investment	1,615		1,624
Total loans	690,955		635,234
Mortgage [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	17,195		21,447		22,885
Additions (deductions) [Abstract]
Provision for loan losses	-1,029		71		7,778
Recoveries credited to allowance	1,397		1,996		1,581
Loans charged against the allowance	-4,119		-6,319		-10,741
Reclassification to loans held for sale					-56
Balance at end of period	13,444		17,195		21,447
Allowance for loan losses [Abstract]
Individually evaluated for impairment	9,311		10,488
Collectively evaluated for impairment	4,133		6,707
Total ending allowance balance	13,444		17,195
Loans [Abstract]
Individually evaluated for impairment	72,340		78,022
Collectively evaluated for impairment	402,458		410,887
Total loans recorded investment	474,798		488,909
Accrued interest included in recorded investment	2,170	[1]	2,276	[1]
Total loans	472,628		486,633
Installment [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	2,246		3,378		6,146
Additions (deductions) [Abstract]
Provision for loan losses	349		314		15
Recoveries credited to allowance	1,104		1,074		1,311
Loans charged against the allowance	-1,885		-2,520		-4,009
Reclassification to loans held for sale					-85
Balance at end of period	1,814		2,246		3,378
Allowance for loan losses [Abstract]
Individually evaluated for impairment	728		792
Collectively evaluated for impairment	1,086		1,454
Total ending allowance balance	1,814		2,246
Loans [Abstract]
Individually evaluated for impairment	6,679		7,068
Collectively evaluated for impairment	200,368		185,676
Total loans recorded investment	207,047		192,744
Accrued interest included in recorded investment	669	[1]	679	[1]
Total loans	206,378		192,065
Payment Plan Receivables [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	97		144		197
Additions (deductions) [Abstract]
Provision for loan losses	-36		-93		-3
Recoveries credited to allowance	5		81		20
Loans charged against the allowance	-2		-35		-70
Reclassification to loans held for sale					0
Balance at end of period	64		97		144
Allowance for loan losses [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	64		97
Total ending allowance balance	64		97
Loans [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	40,001		60,638
Total loans recorded investment	40,001		60,638
Accrued interest included in recorded investment	0		0
Total loans	40,001		60,638
Unallocated [Member]
Analysis of allowance for loan losses by portfolio segment [Roll Forward]
Balance at beginning of period	5,960		7,904		11,473
Additions (deductions) [Abstract]
Provision for loan losses	-737		-1,944		-3,254
Recoveries credited to allowance	0		0		0
Loans charged against the allowance	0		0		0
Reclassification to loans held for sale					-315
Balance at end of period	5,223		5,960		7,904
Allowance for loan losses [Abstract]
Individually evaluated for impairment	0		0
Collectively evaluated for impairment	5,223		5,960
Total ending allowance balance	$5,223		$5,960
[1]	Credit scores have been updated within the last twelve months.

LOANS_AND_PAYMENT_PLAN_RECEIVA4

LOANS AND PAYMENT PLAN RECEIVABLES, Receivables Past Due (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Non performing loans [Abstract]
Accrued Interest	$800,000	$1,200,000	$2,300,000
Interest Income	0	100,000	100,000
Aging analysis of loans by class [Abstract]
Total Loans	1,409,962,000	1,374,570,000
Total Recorded Investment [Member]
Non performing loans [Abstract]
Non-accrual loans	15,231,000	17,905,000
Loans 90 days or more past due and still accruing interest	7,000	0
90+ and Still Accruing	7,000	0
Non-Accrual	15,231,000	17,905,000
Total Non-performing Loans	15,238,000	17,905,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	8,246,000	11,857,000
Loans Past Due 60 to 89 days	2,769,000	3,689,000
Loans Past Due 90+ days	11,311,000	13,988,000
Total	22,326,000	29,534,000
Loans not Past Due	1,392,090,000	1,349,615,000
Total Loans	1,414,416,000	1,379,149,000
Accrued Interest Included in Recorded Investment [Member]
Non performing loans [Abstract]
Non-accrual loans	0	0
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	0	0
Total Non-performing Loans	0	0
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	55,000	100,000
Loans Past Due 60 to 89 days	29,000	26,000
Loans Past Due 90+ days	0	0
Total	84,000	126,000
Loans not Past Due	4,370,000	4,453,000
Total Loans	4,454,000	4,579,000
Commercial [Member]
Aging analysis of loans by class [Abstract]
Total Loans	690,955,000	635,234,000
Income Producing - Real Estate [Member]
Non performing loans [Abstract]
Non-accrual loans	1,233,000	1,899,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	1,233,000	1,899,000
Total Non-performing Loans	1,233,000	1,899,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	89,000	1,014,000
Loans Past Due 60 to 89 days	0	428,000
Loans Past Due 90+ days	214,000	878,000
Total	303,000	2,320,000
Loans not Past Due	252,763,000	249,313,000
Total Loans	253,066,000	251,633,000
Land, Land Development and Construction Real Estate [Member]
Non performing loans [Abstract]
Non-accrual loans	594,000	1,036,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	594,000	1,036,000
Total Non-performing Loans	594,000	1,036,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	131,000	781,000
Loans Past Due 60 to 89 days	0	129,000
Loans Past Due 90+ days	223,000	256,000
Total	354,000	1,166,000
Loans not Past Due	33,984,000	30,670,000
Total Loans	34,338,000	31,836,000
Commercial and Industrial [Member]
Non performing loans [Abstract]
Non-accrual loans	2,746,000	2,434,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	2,746,000	2,434,000
Total Non-performing Loans	2,746,000	2,434,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	2,391,000	1,155,000
Loans Past Due 60 to 89 days	279,000	1,665,000
Loans Past Due 90+ days	209,000	318,000
Total	2,879,000	3,138,000
Loans not Past Due	402,287,000	350,251,000
Total Loans	405,166,000	353,389,000
Mortgage [Member]
Aging analysis of loans by class [Abstract]
Total Loans	472,628,000	486,633,000
1-4 Family [Member]
Non performing loans [Abstract]
Non-accrual loans	5,945,000	6,594,000
Loans 90 days or more past due and still accruing interest	7,000	0
90+ and Still Accruing	7,000	0
Non-Accrual	5,945,000	6,594,000
Total Non-performing Loans	5,952,000	6,594,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	1,877,000	3,750,000
Loans Past Due 60 to 89 days	1,638,000	224,000
Loans Past Due 90+ days	5,952,000	6,594,000
Total	9,467,000	10,568,000
Loans not Past Due	269,719,000	270,855,000
Total Loans	279,186,000	281,423,000
Resort Lending [Member]
Non performing loans [Abstract]
Non-accrual loans	2,168,000	2,668,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	2,168,000	2,668,000
Total Non-performing Loans	2,168,000	2,668,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	226,000	698,000
Loans Past Due 60 to 89 days	0	234,000
Loans Past Due 90+ days	2,168,000	2,668,000
Total	2,394,000	3,600,000
Loans not Past Due	126,342,000	142,356,000
Total Loans	128,736,000	145,956,000
Home Equity - 1st Lien [Member]
Non performing loans [Abstract]
Non-accrual loans	331,000	415,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	331,000	415,000
Total Non-performing Loans	331,000	415,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	39,000	172,000
Loans Past Due 60 to 89 days	50,000	0
Loans Past Due 90+ days	331,000	415,000
Total	420,000	587,000
Loans not Past Due	19,782,000	18,214,000
Total Loans	20,202,000	18,801,000
Home Equity - 2nd Lien [Member]
Non performing loans [Abstract]
Non-accrual loans	605,000	689,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	605,000	689,000
Total Non-performing Loans	605,000	689,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	711,000	663,000
Loans Past Due 60 to 89 days	89,000	73,000
Loans Past Due 90+ days	605,000	689,000
Total	1,405,000	1,425,000
Loans not Past Due	45,269,000	41,304,000
Total Loans	46,674,000	42,729,000
Installment [Member]
Aging analysis of loans by class [Abstract]
Total Loans	206,378,000	192,065,000
Home Equity - 1st Lien [Member]
Non performing loans [Abstract]
Non-accrual loans	576,000	938,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	576,000	938,000
Total Non-performing Loans	576,000	938,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	466,000	557,000
Loans Past Due 60 to 89 days	37,000	134,000
Loans Past Due 90+ days	576,000	938,000
Total	1,079,000	1,629,000
Loans not Past Due	20,995,000	25,513,000
Total Loans	22,074,000	27,142,000
Home Equity - 2nd Lien [Member]
Non performing loans [Abstract]
Non-accrual loans	517,000	571,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	517,000	571,000
Total Non-performing Loans	517,000	571,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	369,000	536,000
Loans Past Due 60 to 89 days	81,000	136,000
Loans Past Due 90+ days	517,000	571,000
Total	967,000	1,243,000
Loans not Past Due	28,125,000	36,701,000
Total Loans	29,092,000	37,944,000
Loans Not Secured By Real Estate [Member]
Non performing loans [Abstract]
Non-accrual loans	454,000	638,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	454,000	638,000
Total Non-performing Loans	454,000	638,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	589,000	833,000
Loans Past Due 60 to 89 days	231,000	281,000
Loans Past Due 90+ days	454,000	638,000
Total	1,274,000	1,752,000
Loans not Past Due	152,115,000	123,295,000
Total Loans	153,389,000	125,047,000
Other [Member]
Non performing loans [Abstract]
Non-accrual loans	48,000	0
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	48,000	0
Total Non-performing Loans	48,000	0
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	15,000	22,000
Loans Past Due 60 to 89 days	3,000	12,000
Loans Past Due 90+ days	48,000	0
Total	66,000	34,000
Loans not Past Due	2,426,000	2,577,000
Total Loans	2,492,000	2,611,000
Payment Plan Receivables [Member]
Aging analysis of loans by class [Abstract]
Total Loans	40,001,000	60,638,000
Full Refund [Member]
Non performing loans [Abstract]
Non-accrual loans	2,000	20,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	2,000	20,000
Total Non-performing Loans	2,000	20,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	838,000	1,364,000
Loans Past Due 60 to 89 days	214,000	349,000
Loans Past Due 90+ days	2,000	20,000
Total	1,054,000	1,733,000
Loans not Past Due	26,799,000	46,344,000
Total Loans	27,853,000	48,077,000
Partial Refund [Member]
Non performing loans [Abstract]
Non-accrual loans	12,000	3,000
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	12,000	3,000
Total Non-performing Loans	12,000	3,000
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	409,000	190,000
Loans Past Due 60 to 89 days	123,000	20,000
Loans Past Due 90+ days	12,000	3,000
Total	544,000	213,000
Loans not Past Due	6,550,000	4,840,000
Total Loans	7,094,000	5,053,000
Others [Member]
Non performing loans [Abstract]
Non-accrual loans	0	0
Loans 90 days or more past due and still accruing interest	0	0
90+ and Still Accruing	0	0
Non-Accrual	0	0
Total Non-performing Loans	0	0
Aging analysis of loans by class [Abstract]
Loans Past Due 30-59 days	96,000	122,000
Loans Past Due 60 to 89 days	24,000	4,000
Loans Past Due 90+ days	0	0
Total	120,000	126,000
Loans not Past Due	4,934,000	7,382,000
Total Loans	$5,054,000	$7,508,000

LOANS_AND_PAYMENT_PLAN_RECEIVA5

LOANS AND PAYMENT PLAN RECEIVABLES, Impaired Financing Receivables (Details) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2013	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Impaired loans [Abstract]
TDR		$9,325		$13,006
Non - TDR		299		334
TDR - allowance based on collateral		5,879		10,085
TDR's allowance based on present value cash flow		94,970		101,131
Non - TDR - allowance based on collateral		2,296		688
Non - TDR - allowance based on present value cash flow		0		0
Total impaired loans		112,769		125,244
Amount of allowance for loan losses allocated [Abstract]
TDR - allowance based on collateral		2,025		3,127
TDR - allowance based on present value cash flow		10,188		11,777
Non - TDR - allowance based on collateral		1,020		254
Non - TDR - allowance based on present value cash flow		0		0
Total amount of allowance for loan losses allocated		13,233		15,158
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		9,652	[1]	13,380	[1]
Unpaid Principal Balance, with no related allowance recorded		10,836	[1]	14,653	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		103,514	[1]	112,333	[1]
Unpaid Principal Balance, with an allowance recorded		108,211	[1]	118,328	[1]
Recorded Investment		113,166	[1]	125,713	[1]
Unpaid Principal Balance		119,047	[1]	132,981	[1]
Related Allowance		13,233	[1]	15,158	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		12,225	[2]	16,800	[2]	14,193	[2]
Interest Income Recognized, with No Related Allowance		469	[2]	1,020	[2]	802	[2]
Average Recorded Investment, with Related Allowance		107,692	[2]	122,200	[2]	145,246	[2]
Interest Income Recognized, with Related Allowance		4,565	[2]	4,846	[2]	5,189	[2]
Average Recorded Investment		119,917	[2]	139,000	[2]	159,439	[2]
Interest Income Recognized		5,034	[2]	5,866	[2]	5,991	[2]
Accrued Interest Included in Recorded Investment [Member]
Impaired Loans by class [Abstract]
Recorded Investment		397	[1]	469	[1]
Commercial [Member]
Sale of certain commercial watch, substandard and Non-performing loans [Abstract]
Watch, substandard and non-performing loans sold, book balance	8,601
Income Producing - Real Estate [Member]
Sale of certain commercial watch, substandard and Non-performing loans [Abstract]
Watch, substandard and non-performing loans sold, book balance	4,570
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		5,868	[1]	7,042	[1]
Unpaid Principal Balance, with no related allowance recorded		6,077	[1]	7,178	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		12,836	[1]	14,538	[1]
Unpaid Principal Balance, with an allowance recorded		13,797	[1]	15,631	[1]
Recorded Investment		18,704	[1]	21,580	[1]
Unpaid Principal Balance		19,874	[1]	22,809	[1]
Related Allowance		689	[1]	1,161	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		7,660	[2]	5,765	[2]	2,981	[2]
Interest Income Recognized, with No Related Allowance		250	[2]	340	[2]	166	[2]
Average Recorded Investment, with Related Allowance		12,772	[2]	18,164	[2]	23,508	[2]
Interest Income Recognized, with Related Allowance		677	[2]	587	[2]	571	[2]
Average Recorded Investment		20,432	[2]	23,929	[2]	26,489	[2]
Interest Income Recognized		927	[2]	927	[2]	737	[2]
Land, Land Development and Construction Real Estate [Member]
Sale of certain commercial watch, substandard and Non-performing loans [Abstract]
Watch, substandard and non-performing loans sold, book balance	401
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		1,051	[1]	2,185	[1]
Unpaid Principal Balance, with no related allowance recorded		1,606	[1]	3,217	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		3,456	[1]	3,366	[1]
Unpaid Principal Balance, with an allowance recorded		3,528	[1]	4,130	[1]
Recorded Investment		4,507	[1]	5,551	[1]
Unpaid Principal Balance		5,134	[1]	7,347	[1]
Related Allowance		499	[1]	686	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		1,145	[2]	3,092	[2]	2,549	[2]
Interest Income Recognized, with No Related Allowance		64	[2]	240	[2]	150	[2]
Average Recorded Investment, with Related Allowance		3,939	[2]	6,186	[2]	10,305	[2]
Interest Income Recognized, with Related Allowance		149	[2]	149	[2]	183	[2]
Average Recorded Investment		5,084	[2]	9,278	[2]	12,854	[2]
Interest Income Recognized		213	[2]	389	[2]	333	[2]
Commercial and Industrial [Member]
Sale of certain commercial watch, substandard and Non-performing loans [Abstract]
Watch, substandard and non-performing loans sold, book balance	3,630
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		2,685	[1]	4,110	[1]
Unpaid Principal Balance, with no related allowance recorded		2,667	[1]	4,087	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		8,251	[1]	9,382	[1]
Unpaid Principal Balance, with an allowance recorded		8,486	[1]	9,529	[1]
Recorded Investment		10,936	[1]	13,492	[1]
Unpaid Principal Balance		11,153	[1]	13,616	[1]
Related Allowance		2,006	[1]	2,031	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		3,351	[2]	3,980	[2]	3,526	[2]
Interest Income Recognized, with No Related Allowance		152	[2]	226	[2]	246	[2]
Average Recorded Investment, with Related Allowance		8,500	[2]	11,795	[2]	17,828	[2]
Interest Income Recognized, with Related Allowance		294	[2]	457	[2]	467	[2]
Average Recorded Investment		11,851	[2]	15,775	[2]	21,354	[2]
Interest Income Recognized		446	[2]	683	[2]	713	[2]
1-4 Family [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		0	[1]	8	[1]
Unpaid Principal Balance, with no related allowance recorded		49	[1]	8	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		53,206	[1]	57,612	[1]
Unpaid Principal Balance, with an allowance recorded		56,063	[1]	60,768	[1]
Recorded Investment		53,206	[1]	57,620	[1]
Unpaid Principal Balance		56,112	[1]	60,776	[1]
Related Allowance		6,195	[1]	7,236	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		29	[2]	5	[2]	290	[2]
Interest Income Recognized, with No Related Allowance		0	[2]	11	[2]	0	[2]
Average Recorded Investment, with Related Allowance		55,877	[2]	60,858	[2]	66,195	[2]
Interest Income Recognized, with Related Allowance		2,286	[2]	2,622	[2]	2,852	[2]
Average Recorded Investment		55,906	[2]	60,863	[2]	66,485	[2]
Interest Income Recognized		2,286	[2]	2,633	[2]	2,852	[2]
Resort Lending [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		48	[1]	35	[1]
Unpaid Principal Balance, with no related allowance recorded		397	[1]	163	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		18,799	[1]	20,171	[1]
Unpaid Principal Balance, with an allowance recorded		18,963	[1]	20,608	[1]
Recorded Investment		18,847	[1]	20,206	[1]
Unpaid Principal Balance		19,360	[1]	20,771	[1]
Related Allowance		3,075	[1]	3,221	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		40	[2]	28	[2]	222	[2]
Interest Income Recognized, with No Related Allowance		1	[2]	0	[2]	0	[2]
Average Recorded Investment, with Related Allowance		19,458	[2]	21,708	[2]	24,286	[2]
Interest Income Recognized, with Related Allowance		753	[2]	836	[2]	1,000	[2]
Average Recorded Investment		19,498	[2]	21,736	[2]	24,508	[2]
Interest Income Recognized		754	[2]	836	[2]	1,000	[2]
Home Equity - 1st Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		0	[1]	0	[1]
Unpaid Principal Balance, with no related allowance recorded		0	[1]	0	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		162	[1]	154	[1]
Unpaid Principal Balance, with an allowance recorded		177	[1]	164	[1]
Recorded Investment		162	[1]	154	[1]
Unpaid Principal Balance		177	[1]	164	[1]
Related Allowance		14	[1]	11	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	0	[2]	0	[2]
Interest Income Recognized, with No Related Allowance		0	[2]	0	[2]	0	[2]
Average Recorded Investment, with Related Allowance		160	[2]	136	[2]	65	[2]
Interest Income Recognized, with Related Allowance		6	[2]	4	[2]	2	[2]
Average Recorded Investment		160	[2]	136	[2]	65	[2]
Interest Income Recognized		6	[2]	4	[2]	2	[2]
Home Equity - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		0	[1]	0	[1]
Unpaid Principal Balance, with no related allowance recorded		0	[1]	0	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		125	[1]	42	[1]
Unpaid Principal Balance, with an allowance recorded		205	[1]	118	[1]
Recorded Investment		125	[1]	42	[1]
Unpaid Principal Balance		205	[1]	118	[1]
Related Allowance		27	[1]	20	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	0	[2]	0	[2]
Interest Income Recognized, with No Related Allowance		0	[2]	0	[2]	0	[2]
Average Recorded Investment, with Related Allowance		57	[2]	42	[2]	81	[2]
Interest Income Recognized, with Related Allowance		2	[2]	2	[2]	3	[2]
Average Recorded Investment		57	[2]	42	[2]	81	[2]
Interest Income Recognized		2	[2]	2	[2]	3	[2]
Home Equity - 1st Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		0	[1]	0	[1]
Unpaid Principal Balance, with no related allowance recorded		40	[1]	0	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		2,744	[1]	2,959	[1]
Unpaid Principal Balance, with an allowance recorded		2,930	[1]	3,115	[1]
Recorded Investment		2,744	[1]	2,959	[1]
Unpaid Principal Balance		2,970	[1]	3,115	[1]
Related Allowance		219	[1]	254	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	1,604	[2]	1,961	[2]
Interest Income Recognized, with No Related Allowance		2	[2]	83	[2]	97	[2]
Average Recorded Investment, with Related Allowance		2,837	[2]	1,448	[2]	1,432	[2]
Interest Income Recognized, with Related Allowance		174	[2]	85	[2]	50	[2]
Average Recorded Investment		2,837	[2]	3,052	[2]	3,393	[2]
Interest Income Recognized		176	[2]	168	[2]	147	[2]
Home Equity - 2nd Lien [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		0	[1]	0	[1]
Unpaid Principal Balance, with no related allowance recorded		0	[1]	0	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		3,212	[1]	3,352	[1]
Unpaid Principal Balance, with an allowance recorded		3,215	[1]	3,347	[1]
Recorded Investment		3,212	[1]	3,352	[1]
Unpaid Principal Balance		3,215	[1]	3,347	[1]
Related Allowance		419	[1]	462	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	1,841	[2]	2,093	[2]
Interest Income Recognized, with No Related Allowance		0	[2]	96	[2]	111	[2]
Average Recorded Investment, with Related Allowance		3,359	[2]	1,546	[2]	1,325	[2]
Interest Income Recognized, with Related Allowance		188	[2]	86	[2]	51	[2]
Average Recorded Investment		3,359	[2]	3,387	[2]	3,418	[2]
Interest Income Recognized		188	[2]	182	[2]	162	[2]
Loans Not Secured By Real Estate [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		0	[1]	0	[1]
Unpaid Principal Balance, with no related allowance recorded		0	[1]	0	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		711	[1]	741	[1]
Unpaid Principal Balance, with an allowance recorded		835	[1]	902	[1]
Recorded Investment		711	[1]	741	[1]
Unpaid Principal Balance		835	[1]	902	[1]
Related Allowance		89	[1]	75	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	470	[2]	549	[2]
Interest Income Recognized, with No Related Allowance		0	[2]	23	[2]	30	[2]
Average Recorded Investment, with Related Allowance		719	[2]	314	[2]	221	[2]
Interest Income Recognized, with Related Allowance		35	[2]	17	[2]	10	[2]
Average Recorded Investment		719	[2]	784	[2]	770	[2]
Interest Income Recognized		35	[2]	40	[2]	40	[2]
Other [Member]
Impaired Loans by class [Abstract]
Recorded Investment, with no related allowance recorded		0	[1]	0	[1]
Unpaid Principal Balance, with no related allowance recorded		0	[1]	0	[1]
With no related allowance recorded		0	[1]	0	[1]
Recorded Investment, with an allowance recorded		12	[1]	16	[1]
Unpaid Principal Balance, with an allowance recorded		12	[1]	16	[1]
Recorded Investment		12	[1]	16	[1]
Unpaid Principal Balance		12	[1]	16	[1]
Related Allowance		1	[1]	1	[1]
Average recorded investment in and interest income earned on impaired loans by class [Abstract]
Average Recorded Investment, with No Related Allowance		0	[2]	15	[2]	22	[2]
Interest Income Recognized, with No Related Allowance		0	[2]	1	[2]	2	[2]
Average Recorded Investment, with Related Allowance		14	[2]	3	[2]	0	[2]
Interest Income Recognized, with Related Allowance		1	[2]	1	[2]	0	[2]
Average Recorded Investment		14	[2]	18	[2]	22	[2]
Interest Income Recognized		$1	[2]	$2	[2]	$2	[2]
[1]	There were no impaired payment plan receivables at December 31, 2014 or 2013.
[2]	There were no impaired payment plan receivables during the years ending December 31, 2014, 2013 and 2012.

LOANS_AND_PAYMENT_PLAN_RECEIVA6

LOANS AND PAYMENT PLAN RECEIVABLES, Troubled Debt Restructurings (Details) (USD $)	12 Months Ended
	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
	Contract		Contract		Contract
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	$110,174,000		$124,222,000
Troubled debt restructuring, specific reserve	12,200,000		14,900,000
Additional amounts committed to lend as troubled debt restructurings	40,000		170,000
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	70		102		232
Pre-modification recorded balance	7,123,000		11,955,000		42,655,000
Post-modification recorded balance	6,308,000		10,368,000		39,037,000
Increase in allowance for loan losses	200,000		-300,000		1,600,000
Charge offs due to troubled debt restructurings	40,000		500,000		1,000,000
TDR that subsequently defaulted [Abstract]
Number of contracts	3		9		16
Recorded Balance	444,000		1,486,000		2,346,000
Past due period for modified loans	90 days
Increase (decrease) in allowance for loan loss due to TDRs that subsequently defaulted	20,000		0		300,000
Charge-offs on TDRs that subsequently defaulted	0		200,000		800,000
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	60 months
Modifications involving extension of maturity date, period range	70 months
Maximum in Certain Circumstances [Member]
Financing Receivable, Modifications [Line Items]
Modification of stated interest rate of loans, range of period	480 months
Modifications involving extension of maturity date, period range	240 months
Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	31,453,000		39,481,000
Income Producing - Real Estate [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	4		6		20
Pre-modification recorded balance	426,000		4,798,000		9,464,000
Post-modification recorded balance	389,000		3,869,000		8,568,000
TDR that subsequently defaulted [Abstract]
Number of contracts	0		1		2
Recorded Balance	0		693,000		827,000
Land, Land Development and Construction Real Estate [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	2		1		9
Pre-modification recorded balance	55,000		16,000		4,800,000
Post-modification recorded balance	44,000		0		4,858,000
TDR that subsequently defaulted [Abstract]
Number of contracts	0		1		0
Recorded Balance	0		334,000		0
Commercial and Industrial [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	13		23		50
Pre-modification recorded balance	2,236,000		2,522,000		9,951,000
Post-modification recorded balance	1,606,000		1,901,000		7,905,000
TDR that subsequently defaulted [Abstract]
Number of contracts	2		2		5
Recorded Balance	319,000		143,000		230,000
Family 1 4 [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	15		20		66
Pre-modification recorded balance	1,576,000		1,968,000		8,900,000
Post-modification recorded balance	1,570,000		1,995,000		8,488,000
TDR that subsequently defaulted [Abstract]
Number of contracts	1		1		2
Recorded Balance	125,000		106,000		148,000
Resort Lending [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	6		5		31
Pre-modification recorded balance	1,583,000		1,240,000		7,750,000
Post-modification recorded balance	1,572,000		1,231,000		7,514,000
TDR that subsequently defaulted [Abstract]
Number of contracts	0		1		4
Recorded Balance	0		156,000		887,000
Home Equity - 1st Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	1		1		1
Pre-modification recorded balance	17,000		95,000		15,000
Post-modification recorded balance	14,000		97,000		0
TDR that subsequently defaulted [Abstract]
Number of contracts	0		0		0
Recorded Balance	0		0		0
Home Equity - 2nd Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	1		0		0
Pre-modification recorded balance	85,000		0		0
Post-modification recorded balance	84,000		0		0
TDR that subsequently defaulted [Abstract]
Number of contracts	0		0		0
Recorded Balance	0		0		0
Home Equity - 1st Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	13		25		18
Pre-modification recorded balance	631,000		659,000		666,000
Post-modification recorded balance	523,000		657,000		632,000
TDR that subsequently defaulted [Abstract]
Number of contracts	0		2		2
Recorded Balance	0		32,000		234,000
Home Equity - 2nd Lien [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	9		16		24
Pre-modification recorded balance	400,000		508,000		784,000
Post-modification recorded balance	400,000		508,000		768,000
TDR that subsequently defaulted [Abstract]
Number of contracts	0		1		1
Recorded Balance	0		22,000		20,000
Loans Not Secured By Real Estate [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	6		5		13
Pre-modification recorded balance	114,000		149,000		325,000
Post-modification recorded balance	106,000		110,000		304,000
TDR that subsequently defaulted [Abstract]
Number of contracts	0		0		0
Recorded Balance	0		0		0
Other [Member]
Loans classified as troubled debt restructurings [Abstract]
Number of contracts	0		0		0
Pre-modification recorded balance	0		0		0
Post-modification recorded balance	0		0		0
TDR that subsequently defaulted [Abstract]
Number of contracts	0		0		0
Recorded Balance	0		0		0
Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	78,721,000		84,741,000
Performing TDR's [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	102,971,000		114,887,000
Performing TDR's [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	29,475,000		35,134,000
Performing TDR's [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	73,496,000		79,753,000
Non-performing TDR's [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	7,203,000	[1]	9,335,000	[1]
Non-performing TDR's [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	1,978,000	[1]	4,347,000	[1]
Non-performing TDR's [Member] | Retail [Member]
Financing Receivable, Modifications [Line Items]
Troubled debt restructuring	$5,225,000	[1],[2]	$4,988,000	[1],[2]
[1]	Included in non-performing loans table.
[2]	Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.

LOANS_AND_PAYMENT_PLAN_RECEIVA7

LOANS AND PAYMENT PLAN RECEIVABLES, Loan Ratings by Loan Class (Details) (USD $)	Dec. 31, 2014		Dec. 31, 2013
In Thousands, unless otherwise specified
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	$690,955		$635,234
Accrued interest included in total	4,454		4,579
Credit ratings of insurer or risk retention group counterparties [Abstract]
Subsidiary's outstanding payment plan insured by third party (in hundredths)	69.60%
Subsidiary's payment outstanding payment plan 2, insured by third party (in hundredths)	17.70%
Payment Plan Receivables, Full Refund	27,853		48,077
Payment Plan Receivables, Partial Refund	7,094		5,053
Payment Plan Receivables, Other	5,054		7,508
Total	40,001		60,638
Commercial [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	692,570		636,858
Accrued interest included in total	1,615		1,624
Commercial [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	645,082		571,794
Accrued interest included in total	1,479		1,433
Commercial [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	34,609		49,014
Accrued interest included in total	111		147
Commercial [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	8,306		10,681
Accrued interest included in total	25		44
Commercial [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	4,573		5,369
Accrued interest included in total	0		0
Income Producing - Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	253,066		251,633
Income Producing - Real Estate [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	241,266		227,957
Income Producing - Real Estate [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	8,649		17,882
Income Producing - Real Estate [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	1,918		3,895
Income Producing - Real Estate [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	1,233		1,899
Land, Land Development and Construction Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	34,338		31,836
Land, Land Development and Construction Real Estate [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	30,869		25,654
Land, Land Development and Construction Real Estate [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	2,485		4,829
Land, Land Development and Construction Real Estate [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	390		317
Land, Land Development and Construction Real Estate [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	594		1,036
Commercial and Industrial [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	405,166		353,389
Commercial and Industrial [Member] | Non-Watch 1-6 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	372,947		318,183
Commercial and Industrial [Member] | Watch 7-8 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	23,475		26,303
Commercial and Industrial [Member] | Substandard Accrual 9 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	5,998		6,469
Commercial and Industrial [Member] | Non Accrual 10-11 [Member]
Loan ratings/credit scores by loan class [Abstract]
Commercial loan	2,746		2,434
Mortgage [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	52,490	[1]	46,415	[1]
750-799	139,075	[1]	133,977	[1]
700-749	98,199	[1]	105,953	[1]
650-699	83,365	[1]	80,928	[1]
600-649	39,874	[1]	51,308	[1]
550-599	27,715	[1]	31,527	[1]
500-549	18,831	[1]	19,298	[1]
Under 500	8,074	[1]	11,335	[1]
Unknown	7,175	[1]	8,168	[1]
Total	474,798	[1]	488,909	[1]
Accrued interest included in total	2,170	[1]	2,276	[1]
1-4 Family [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	27,918	[1]	23,924	[1]
750-799	72,674	[1]	60,728	[1]
700-749	52,843	[1]	58,269	[1]
650-699	51,664	[1]	49,771	[1]
600-649	27,770	[1]	34,991	[1]
550-599	21,361	[1]	24,616	[1]
500-549	14,575	[1]	14,823	[1]
Under 500	6,306	[1]	9,492	[1]
Unknown	4,075	[1]	4,809	[1]
Total	279,186	[1]	281,423	[1]
Accrued interest included in total	1,311	[1]	1,300	[1]
Resort Lending [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	14,484	[1]	13,487	[1]
750-799	45,950	[1]	56,880	[1]
700-749	32,660	[1]	35,767	[1]
650-699	20,250	[1]	21,696	[1]
600-649	6,538	[1]	8,555	[1]
550-599	3,639	[1]	3,261	[1]
500-549	2,156	[1]	2,271	[1]
Under 500	875	[1]	1,160	[1]
Unknown	2,184	[1]	2,879	[1]
Total	128,736	[1]	145,956	[1]
Accrued interest included in total	562	[1]	650	[1]
Home Equity - 1st Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	3,863	[1]	3,650	[1]
750-799	6,128	[1]	4,560	[1]
700-749	3,054	[1]	3,289	[1]
650-699	3,257	[1]	2,316	[1]
600-649	1,704	[1]	2,621	[1]
550-599	994	[1]	1,165	[1]
500-549	699	[1]	644	[1]
Under 500	261	[1]	323	[1]
Unknown	242	[1]	233	[1]
Total	20,202	[1]	18,801	[1]
Accrued interest included in total	88	[1]	97	[1]
Home Equity - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	6,225	[1]	5,354	[1]
750-799	14,323	[1]	11,809	[1]
700-749	9,642	[1]	8,628	[1]
650-699	8,194	[1]	7,145	[1]
600-649	3,862	[1]	5,141	[1]
550-599	1,721	[1]	2,485	[1]
500-549	1,401	[1]	1,560	[1]
Under 500	632	[1]	360	[1]
Unknown	674	[1]	247	[1]
Total	46,674	[1]	42,729	[1]
Accrued interest included in total	209	[1]	229	[1]
Installment [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	36,674	[1]	29,741	[1]
750-799	81,375	[1]	66,924	[1]
700-749	38,337	[1]	39,866	[1]
650-699	26,207	[1]	27,549	[1]
600-649	11,225	[1]	11,544	[1]
550-599	5,962	[1]	7,925	[1]
500-549	3,920	[1]	5,060	[1]
Under 500	1,303	[1]	1,959	[1]
Unknown	2,044	[1]	2,176	[1]
Total	207,047	[1]	192,744	[1]
Accrued interest included in total	669	[1]	679	[1]
Home Equity - 1st Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	2,272	[1]	2,977	[1]
750-799	5,677	[1]	6,585	[1]
700-749	3,111	[1]	4,353	[1]
650-699	3,963	[1]	4,815	[1]
600-649	3,434	[1]	3,173	[1]
550-599	2,019	[1]	2,843	[1]
500-549	1,128	[1]	1,483	[1]
Under 500	393	[1]	751	[1]
Unknown	77	[1]	162	[1]
Total	22,074	[1]	27,142	[1]
Accrued interest included in total	93	[1]	114	[1]
Home Equity - 2nd Lien [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	2,835	[1]	3,062	[1]
750-799	8,557	[1]	11,197	[1]
700-749	6,358	[1]	9,487	[1]
650-699	5,477	[1]	6,832	[1]
600-649	2,408	[1]	2,824	[1]
550-599	1,913	[1]	2,084	[1]
500-549	1,036	[1]	1,715	[1]
Under 500	427	[1]	663	[1]
Unknown	81	[1]	80	[1]
Total	29,092	[1]	37,944	[1]
Accrued interest included in total	112	[1]	144	[1]
Loans Not Secured By Real Estate [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	31,507	[1]	23,649	[1]
750-799	66,558	[1]	48,585	[1]
700-749	28,179	[1]	25,343	[1]
650-699	16,152	[1]	15,256	[1]
600-649	5,128	[1]	5,289	[1]
550-599	1,896	[1]	2,785	[1]
500-549	1,672	[1]	1,732	[1]
Under 500	455	[1]	516	[1]
Unknown	1,842	[1]	1,892	[1]
Total	153,389	[1]	125,047	[1]
Accrued interest included in total	445	[1]	399	[1]
Other [Member]
Loan ratings/credit scores by loan class [Abstract]
800 and above	60	[1]	53	[1]
750-799	583	[1]	557	[1]
700-749	689	[1]	683	[1]
650-699	615	[1]	646	[1]
600-649	255	[1]	258	[1]
550-599	134	[1]	213	[1]
500-549	84	[1]	130	[1]
Under 500	28	[1]	29	[1]
Unknown	44	[1]	42	[1]
Total	2,492	[1]	2,611	[1]
Accrued interest included in total	19	[1]	22	[1]
AM Best Rating A+ [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund	0
Payment Plan Receivables, Partial Refund	43
Payment Plan Receivables, Other	0
Total	43
AM Best Rating, A Ratings [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund	10,007		20,203
Payment Plan Receivables, Partial Refund	6,190		4,221
Payment Plan Receivables, Other	0		0
Total	16,197		24,424
AM Best Rating, A Minus Rating [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund	1,989		4,058
Payment Plan Receivables, Partial Refund	685		832
Payment Plan Receivables, Other	5,054		7,496
Total	7,728		12,386
Not Rated [Member]
Credit ratings of insurer or risk retention group counterparties [Abstract]
Payment Plan Receivables, Full Refund	15,857		23,816
Payment Plan Receivables, Partial Refund	176		0
Payment Plan Receivables, Other	0		12
Total	$16,033		$23,828
[1]	Credit scores have been updated within the last twelve months.

LOANS_AND_PAYMENT_PLAN_RECEIVA8

LOANS AND PAYMENT PLAN RECEIVABLES, Loans Serviced for Others (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
	Quater
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	$1,662,800,000	$1,734,285,000
Custodial Escrow Balances	20,900,000	20,300,000
Maximum number of consecutive quarterly losses recorded for profitability requirement	4
Percentage of decline in net worth during the period (in hundredths)	30.00%
Maximum percentage of decline in net worth for one consecutive quarter (in hundredths)	25.00%
Maximum percentage of decline in net worth for two consecutive quarters (in hundredths)	40.00%
Highest level of capital, Amount	2,500,000
Highest level of capital (in hundredths)	0.25%
Analysis of capitalized mortgage loan servicing rights [Abstract]
Balance at beginning of year	13,710,000	11,013,000	11,229,000
Originated servicing rights capitalized	1,823,000	3,210,000	4,006,000
Amortization	-2,509,000	-3,745,000	-4,679,000
Change in valuation allowance	-918,000	3,232,000	457,000
Balance at end of year	12,106,000	13,710,000	11,013,000
Valuation allowance	3,773,000	2,855,000	6,087,000
Loans sold and serviced that have had servicing rights capitalized	1,661,269,000	1,732,476,000	1,751,960,000
Fannie Mae [Member]
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	913,863,000	981,031,000
Freddie Mac [Member]
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	748,833,000	753,143,000
Other [Member]
Mortgage loans serviced for others [Abstract]
Mortgage loans serviced	$104,000	$111,000

OTHER_REAL_ESTATE_OWNED_Detail

OTHER REAL ESTATE OWNED (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
OTHER REAL ESTATE OWNED [Abstract]
Foreclosed on certain loans secured by real estate and transferred to other real estate	$6,143,000	$6,932,000	$14,276,000
Other real estate with book balances	17,200,000	12,000,000
Real Estate Owned Valuation Allowance [Roll Forward]
Balance at beginning of year	4,047,000	5,958,000	14,655,000
Additions charged to expense	663,000	2,598,000	3,769,000
Direct write-downs upon sale	-2,199,000	-4,509,000	-12,466,000
Balance at end of year	2,511,000	4,047,000	5,958,000
Other real estate and repossessed assets	$6,454,000	$18,282,000

PROPERTY_AND_EQUIPMENT_Details

PROPERTY AND EQUIPMENT (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Property, Plant and Equipment [Line Items]
Property and equipment, Gross	$154,199,000	$151,067,000
Accumulated depreciation and amortization	-108,251,000	-102,473,000
Property and equipment, Net	45,948,000	48,594,000
Depreciation expense	6,700,000	6,700,000	7,600,000
Land [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, Gross	14,904,000	14,817,000
Buildings [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, Gross	59,486,000	58,798,000
Equipment [Member]
Property, Plant and Equipment [Line Items]
Property and equipment, Gross	$79,809,000	$77,452,000

INTANGIBLE_ASSETS_Details

INTANGIBLE ASSETS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Intangible assets, net of amortization [Abstract]
Intangible amortization expense	$500,000	$800,000	$1,100,000
Core Deposits [Member]
Intangible assets, net of amortization [Abstract]
Gross Carrying Amount	6,118,000	11,037,000
Accumulated Amortization	3,491,000	7,874,000
Intangible assets acquired and fully amortized	4,900,000	12,700,000
Summary of estimated core deposit intangible amortization [Abstract]
2015	347,000
2016	347,000
2017	346,000
2018	346,000
2019	346,000
2020 and thereafter	895,000
Total	$2,627,000

DEPOSITS_Details

DEPOSITS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Summary of interest expense on deposits [Abstract]
Savings and interest bearing checking	$1,064,000	$1,131,000	$1,830,000
Time deposits under $100,000	2,467,000	2,995,000	4,838,000
Time deposits of $100,000 or more	1,436,000	1,580,000	2,245,000
Total Deposits	4,967,000	5,706,000	8,913,000
Time Deposits in denominations of 250,000 or more amounted	42,800,000	32,700,000
Time Deposits denominations amount	250,000	250,000
Summary of the maturity of time deposits [Abstract]
2015	239,914,000
2016	88,123,000
2017	22,569,000
2018	22,952,000
2019	15,497,000
2020 and thereafter	1,072,000
Total	390,127,000
Time deposits acquired through broker relationships	11,300,000	13,500,000
Summary of reciprocal deposits [Abstract]
Demand	5,867,000	7,018,000
Money market	7,692,000	4,197,000
Time	40,109,000	72,312,000
Total	$53,668,000	$83,527,000

OTHER_BORROWINGS_Details

OTHER BORROWINGS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Summary of other borrowings [Abstract]
Advances from the FHLB	$12,464,000	$17,181,000
Other	6,000	7,000
Total	12,470,000	17,188,000
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Federal home loan bank, advances, interest rate, minimum (in hundredths)	135.00%
Federal home loan bank, advances, interest rate, maximum (in hundredths)	159.00%
Federal home loan bank stock	12,300,000
Unused borrowing capacity with FHLB	170,400,000
Interest expense on FHLB advances	900,000	1,100,000	1,200,000
FHLB advances terminated with no gain or loss	0	0	3,000,000
FHLB stock as percentages of unpaid principal balance (in hundredths)	1.00%
FHLB stock as percentages of outstanding advances (in hundredths)	5.00%
Federal Home Loan Bank, Advances, Fiscal Year Maturity [Abstract]
Total FHLB advances, Amount	12,464,000	17,181,000
Summary of repayments of FHLB Advances [Abstract]
Available for sale and loans, pledged to secure other borrowings	753,400,000
Federal Reserve Bank Advances [Member]
Federal Reserve Bank - Short-term borrowings [Line Items]
Unused borrowing capacity with the FRB	320,000,000
Fixed-Rate Advances [Member]
Summary of other borrowings [Abstract]
Advances from the FHLB	12,464,000	17,181,000
Federal Home Loan Bank, Advances, Fiscal Year Maturity [Abstract]
2014, Amount		4,240,000
2016, Amount	2,205,000	2,313,000
2017, Amount	1,320,000	1,377,000
2018, Amount	5,671,000	5,888,000
2019, Amount	0	0
2020 and thereafter, Amount	3,268,000	3,363,000
Total FHLB advances, Amount	12,464,000	17,181,000
Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate of Amounts Due [Abstract]
2014, Rate (in hundredths)		5.73%
2016, Rate (in hundredths)	6.55%	6.55%
2017, Rate (in hundredths)	7.04%	7.04%
2018, Rate (in hundredths)	5.99%	5.99%
2020 and thereafter, Rate (in hundredths)	7.49%	7.49%
Total FHLB advances, Rate (in hundredths)	6.59%	6.38%
Advances from Federal Home Loan Bank ("FHLB") [Member]
Summary of repayments of FHLB Advances [Abstract]
2015	515,000
2016	2,521,000
2017	1,587,000
2018	5,042,000
2019	143,000
2020 and thereafter	2,656,000
Total	$12,464,000

SUBORDINATED_DEBENTURES_Detail

SUBORDINATED DEBENTURES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
SUBORDINATED DEBENTURES [Abstract]
Trust preferred securities	34,500,000	39,500,000
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	35,569,000	40,723,000
Summary of subordinated debentures and trust preferred securities [Abstract]
Distribution deferral period, maximum months	60 months
Maximum period within which issuance costs have been capitalized and amortized on straight line basis	30 years
IBC Capital Finance II [Member]
Summary of subordinated debentures and trust preferred securities [Abstract]
Redemptions of trust preferred securities at par value		9,200,000
IBC Capital Finance III [Member]
Summary of information regarding subordinated debentures [Abstract]
Issue Date	30-May-07	30-May-07
Summary of subordinated debentures and trust preferred securities [Abstract]
Maturity Date	30-Jul-37
Interest Rate	3 month LIBOR plus 1.60%
First Permitted Redemption Date	30-Jul-12
Interest Rate Spread (in hundredths)	1.60%
IBC Capital Finance IV [Member]
Summary of information regarding subordinated debentures [Abstract]
Issue Date	30-Sep-07	30-Sep-07
Summary of subordinated debentures and trust preferred securities [Abstract]
Maturity Date	15-Sep-37
Interest Rate	3 month LIBOR plus 2.85%
First Permitted Redemption Date	15-Sep-12
Interest Rate Spread (in hundredths)	2.85%
Redemptions of trust preferred securities at par value	5,000,000
Trust preferred securities redeemed at discount	500,000
Midwest Guaranty Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Issue Date	30-Nov-02	30-Nov-02
Summary of subordinated debentures and trust preferred securities [Abstract]
Maturity Date	7-Nov-32
Interest Rate	3 month LIBOR plus 3.45%
First Permitted Redemption Date	7-Nov-07
Interest Rate Spread (in hundredths)	3.45%
Subordinated Debentures Subject to Mandatory Redemption [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	35,569,000	40,723,000
Subordinated Debentures Subject to Mandatory Redemption [Member] | IBC Capital Finance III [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	12,372,000	12,372,000
Subordinated Debentures Subject to Mandatory Redemption [Member] | IBC Capital Finance IV [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	15,465,000	20,619,000
Subordinated Debentures Subject to Mandatory Redemption [Member] | Midwest Guaranty Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Subordinated Debentures	7,732,000	7,732,000
Trust Preferred Securities Subject to Mandatory Redemption [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	34,500,000	39,500,000
Trust Preferred Securities Subject to Mandatory Redemption [Member] | IBC Capital Finance III [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	12,000,000	12,000,000
Trust Preferred Securities Subject to Mandatory Redemption [Member] | IBC Capital Finance IV [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	15,000,000	20,000,000
Trust Preferred Securities Subject to Mandatory Redemption [Member] | Midwest Guaranty Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Trust Preferred Securities Issued	7,500,000	7,500,000
Common Stock Subject to Mandatory Redemption [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	1,069,000	1,223,000
Common Stock Subject to Mandatory Redemption [Member] | IBC Capital Finance III [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	372,000	372,000
Common Stock Subject to Mandatory Redemption [Member] | IBC Capital Finance IV [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	465,000	619,000
Common Stock Subject to Mandatory Redemption [Member] | Midwest Guaranty Trust I [Member]
Summary of information regarding subordinated debentures [Abstract]
Common Stock Issued	232,000	232,000

COMMITMENTS_AND_CONTINGENT_LIA2

COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2009
Loss Contingencies [Line Items]
Aggregate amount of counterparty obligations	$7,237,000	$7,716,000	$18,449,000
VSC counterparty contingency expense	199,000	4,837,000	1,629,000
Loss reimbursement on sold loans	-466,000	2,152,000	1,112,000	60,000
Reserve for loss reimbursements on sold mortgage loans	700,000	1,400,000
Vehicle service contract counterparty receivable [Roll Forward]
Balance at beginning of year, net of reserve	7,716,000	18,449,000	29,298,000
Transfers in from payment plan receivables	180,000	792,000	1,469,000
Reserves established and charge-offs recorded to expense	-199,000	-4,837,000	-1,629,000
Transferred to (from) contingency reserves	-75,000	63,000	-108,000
Cash received	-385,000	-6,751,000	-7,413,000
Collateral received (other real estate and repossessed assets) in partial satisfaction of debt	0	0	-3,168,000
Balance at end of year, net of reserve	7,237,000	7,716,000	18,449,000
Reserve at end of year	1,370,000	1,300,000	2,000,000
Vehicle service contract counterparty reserve [Roll Forward]
Balance at beginning of year	1,375,000	2,012,000	32,570,000
Additions charged to expense	199,000	4,837,000	1,629,000
Charge-offs, net	-204,000	-5,474,000	-32,187,000
Balance at end of year	1,370,000	1,375,000	2,012,000
Reserves recorded in VSC counterparty receivables, net	1,370,000	1,300,000	2,000,000
Reserves recorded in accrued expenses and other liabilities	0	75,000	12,000
Total at end of year	1,370,000	1,375,000	2,012,000
Fannie Mae [Member]
Loss Contingencies [Line Items]
Loss reimbursement on sold loans		1,500,000
Pending Litigation [Member]
Loss Contingencies [Line Items]
Maximum range of reasonably possible loss	500,000
Accounts Receivables Due to Mepco [Member]
Loss Contingencies [Line Items]
Installment payments period for service contract, minimum	12 months
Installment payments period for service contract, maximum	24 months
VSC counterparty contingency expense	200,000	4,800,000	1,600,000
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments risk represented by contract amounts	204,827,000	180,829,000
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Financial instruments risk represented by contract amounts	$2,757,000	$4,262,000
Standby Letters of Credit [Member] | Minimum [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Variable interest rate (in hundredths)	2.50%
Standby Letters of Credit [Member] | Maximum [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Variable interest rate (in hundredths)	8.25%

SHAREHOLDERS_EQUITY_AND_INCOME2

SHAREHOLDERS' EQUITY AND INCOME PER COMMON SHARE (Details) (USD $)	12 Months Ended						1 Months Ended		2 Months Ended	1 Months Ended
	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012		Sep. 30, 2013	Aug. 31, 2013	Sep. 30, 2013	Jul. 31, 2013	Nov. 15, 2011	Aug. 30, 2013
Class of Stock [Line Items]
Series B Preferred Stock issued (in shares)	0		0
Shares issued during period (in shares)	30,828		13,604,963		454,842
Shares issued value during period	$97,000		$99,075,000		$1,418,000
Net proceeds from the issuance of common stock	97,000		98,066,000		1,418,000
Shareholders with certain limited exceptions (in hundredths)											5.00%
Number of Series C Junior Participating Preferred Stock purchase by each right	1/1000
Beneficial Ownership Level (in hundredths)											4.99%
Discount to current market price of the common stock (in hundredths)											50.00%
Earnings Per Share Reconciliation [Abstract]
Net Income Applicable to Common Stock	18,021,000		82,062,000		21,851,000
Convertible preferred stock dividends	0		3,001,000		4,347,000
Preferred stock discount	0		-7,554,000		0
Net income applicable to common stock for calculation of diluted earnings per share	18,021,000		77,509,000		26,198,000
Weighted average shares outstanding	22,927,000	[1]	13,970,000	[1]	8,709,000	[1]
Restricted stock units (in shares)	306,000		363,000		216,000
Effect of stock options (in shares)	124,000		92,000		2,000
Stock units for deferred compensation plan for non-employee directors (in shares)	114,000		125,000		66,000
Effect of convertible preferred stock (in shares)	0		7,314,000		23,892,000
Weighted average shares outstanding for calculation of diluted earnings per share (in shares)	23,471,000		21,864,000		32,885,000
Net income per common share [Abstract]
Basic (in dollars per share)	$0.79	[1]	$5.87	[1]	$2.51	[1]
Diluted (in dollars per share)	$0.77		$3.55		$0.80
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive shares excluded from computation of diluted loss per share (in shares)	30,000		100,000		100,000
Warrant [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Antidilutive securities excluded from computation of earnings per share (in shares)			346,154		346,154
Series B Preferred Stock [Member] | Amended and Restated Warrants [Member]
Class of Stock [Line Items]
Series B Preferred Stock issued (in shares)										74,426
Common Stock [Member]
Class of Stock [Line Items]
Shares issued during period (in shares)							1,725,000	11,500,000
Shares issued value during period							13,400,000	89,100,000
Net proceeds from the issuance of common stock									97,100,000
Common Stock [Member] | Amended and Restated Warrants [Member]
Class of Stock [Line Items]
Amended warrants expiration date	12-Dec-18
UST [Member] | Amended and Restated Warrants [Member]
Class of Stock [Line Items]
Book balance												1,500,000
Discount												100,000
UST [Member] | Series B Preferred Stock [Member]
Class of Stock [Line Items]
Liquidation preference (in dollars per share)										$1,000
Book balance												87,200,000
Discount												7,600,000
UST [Member] | Series B Preferred Stock [Member] | Amended and Restated Warrants [Member]
Class of Stock [Line Items]
Amount agreed under securities purchase agreement										81,000,000
Discount												$7,700,000
UST [Member] | Common Stock [Member] | Amended and Restated Warrants [Member]
Class of Stock [Line Items]
Warrants issued to purchase common stock (in shares)										346,154
Warrants, exercise price (in dollars per share)										$7.23
[1]	Basic net income per common share includes weighted average common shares outstanding during the period and participating share awards.

INCOME_TAX_Details

INCOME TAX (Details) (USD $)	3 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income tax expense (benefit) [Abstract]
Current		($359,000)	($277,000)	$0
Deferred		7,672,000	0	0
Disproportionate tax effect		0	1,444,000	0
Valuation allowance - change in estimate		-118,000	-56,018,000	0
Income tax expense (benefit)		7,195,000	-54,851,000	0
Statutory federal income tax rate (in hundredths)		35.00%
Reconciliation of income tax benefit [Abstract]
Statutory rate applied to income before income tax		8,826,000	7,930,000	9,169,000
Unrecognized tax benefit		-595,000	-186,000	0
Tax-exempt income		-522,000	-402,000	-453,000
Bank owned life insurance		-480,000	-477,000	-568,000
Net change in valuation allowance		-118,000	-63,980,000	-8,730,000
Non-deductible meals, entertainment and memberships		53,000	55,000	55,000
Disproportionate tax effect		0	1,444,000	0
U.S. Treasury warrant		0	359,000	100,000
Share-based compensation		0	8,000	258,000
Other, net		31,000	398,000	169,000
Income tax expense (benefit)		7,195,000	-54,851,000	0
Reversal of valuation allowance on net deferred tax assets	57,600,000
Deferred tax assets [Abstract]
Loss carryforwards		32,933,000	38,027,000
Allowance for loan losses		9,099,000	11,317,000
Fixed assets		3,239,000	3,081,000
Alternative minimum tax credit carry forward		3,037,000	2,672,000
Purchase premiums, net		2,050,000	2,280,000
Valuation allowance on other real estate owned		879,000	1,431,000
Share based payments		684,000	402,000
Unrealized loss on trading securities		559,000	456,000
Vehicle service contract counterparty contingency reserve		521,000	523,000
Deferred compensation		448,000	523,000
Other than temporary impairment charge on securities available for sale		436,000	466,000
Non accrual loan interest income		244,000	325,000
Loss reimbursement on sold loans reserve		242,000	492,000
Reserve for unfunded lending commitments		189,000	178,000
Unrealized loss on derivative financial instruments		0	133,000
Unrealized loss on securities available for sale		0	1,723,000
Other		0	40,000
Gross deferred tax assets		54,560,000	64,069,000
Valuation allowance		-1,019,000	-1,137,000
Total net deferred tax assets		53,541,000	62,932,000
Deferred tax liabilities [Abstract]
Mortgage servicing rights		4,237,000	4,799,000
Deferred loan fees		260,000	265,000
Federal Home Loan Bank stock		196,000	318,000
Unrealized gain on securities available for sale		87,000	0
Other		129,000	0
Gross deferred tax liabilities		4,909,000	5,382,000
Net deferred tax assets		48,632,000	57,550,000
Operating loss carryforwards [Abstract]
2029		11,285,000
2030		26,254,000
2031		17,170,000
2032		37,739,000
Total		92,448,000
Changes in unrecognized tax benefits [Roll Forward]
Balance at beginning of year		1,672,000	1,871,000	2,139,000
Additions based on tax positions related to the current year		18,000	11,000	15,000
Reductions due to the statute of limitations		-595,000	-186,000	-56,000
Reductions due to settlements		-4,000	-24,000	-227,000
Balance at end of year		1,091,000	1,672,000	1,871,000
State income tax expense (benefit)		0	-200,000	0
Unrecognized tax benefits of effective tax rate		400,000
Penalties and interest expense		0	0	0
Penalties and interest accrued		0	0	0
NOL Unrealized excess benefits on share-based compensation		1,200,000
Minimum tax credit carryforwards with indefinite lives		3,000,000
Open tax year		2011
Mepco [Member]
Valuation Allowance [Line Items]
Valuation allowance against deferred tax assets attributable to Mepco		$1,000,000	$1,100,000

SHARE_BASED_COMPENSATION_AND_B2

SHARE BASED COMPENSATION AND BENEFIT PLANS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Share based compensation arrangements [Line Items]
Number of additional shares approved for grant (in shares)	400,000
Total compensation cost not yet recognized	$1,600,000
Total compensation cost not yet recognized, period for recognition	1 year 8 months 12 days
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	303,980
Granted (in shares)	105,624
Vested (in shares)	0
Forfeited (in shares)	-2,474
Outstanding, ending balance (in shares)	407,130	303,980
Weighted-Average Grant Date Fair Value [Roll Forward]
Outstanding, beginning balance (in dollars per share)	$3.77
Granted (in dollars per share)	$13.79
Forfeited (in dollars per share)	$13.34
Outstanding, ending balance (in dollars per share)	$6.31	$3.77
Summary of weighted-average assumptions used in Black-Scholes option pricing model for grants of stock options [Abstract]
Expected dividend yield (in hundredths)		0.31%	0.74%
Risk-free interest rate (in hundredths)		1.12%	0.88%
Expected life		6 years	6 years
Expected volatility (in hundredths)		101.30%	100.01%
Per share weighted-average fair value (in dollars per share)		$4.98	$2.04
Information regarding options exercised [Abstract]
Intrinsic value	321,000	117,000	3,000
Cash proceeds received	96,000	39,000	4,000
Tax benefit realized	112,000	0	0
Maximum matching contribution, percent (in hundredths)	3.00%
Employee matching contribution, percentage (in hundredths)	2.00%	1.00%	0.00%
Maximum contribution of employees' eligible wages (in hundredths)	6.00%
Employee stock ownership plan (ESOP), contributions (in hundredths)	2.00%	3.00%	3.00%
401(k) and employee stock ownership plans amount expensed	1,000,000	1,200,000	1,000,000
Performance-based compensation expense	4,200,000	5,000,000	4,000,000
Health care and life insurance expense	3,900,000	3,800,000	4,900,000
Long-term incentive plan [Member]
Share based compensation arrangements [Line Items]
Total compensation expense (recovery) recognized	1,000,000	900,000	400,000
Tax benefit relating to compensation expense recognized	400,000	0	0
Stock Options [Member]
Number of Shares [Roll Forward]
Outstanding, beginning balance (in shares)	320,300
Granted (in shares)	0
Exercised (in shares)	-32,896
Forfeited (in shares)	-5,300
Expired (in shares)	-284
Outstanding, ending balance (in shares)	281,820
Vested and expected to vest, period end (in shares)	277,216
Exercisable, period end (in shares)	198,884
Average Exercise Price [Roll Forward]
Outstanding, beginning balance (in dollars per share)	$4.52
Exercised (in dollars per share)	$2.93
Forfeited (in dollars per share)	$5.22
Expired (in dollars per share)	$3.46
Outstanding, ending balance (in dollars per share)	$4.69
Vested and expected to vest, period end (in dollars per share)	$4.69
Exercisable, period end (in dollars per share)	$4.62
Weighted-Average Remaining Contractual Term (Years) [Abstract]
Outstanding, Weighted-Average Remaining Contractual Term	7 years 1 month 6 days
Vested and Expected to Vest, Weighted-Average Remaining Contractual Term	7 years 0 months 29 days
Exercisable, Weighted-Average Remaining Contractual Term	6 years 8 months 5 days
Aggregate Intrinsic Value [Abstract]
Outstanding, Aggregate Intrinsic Value	2,431,000
Vested and Expected to Vest, Outstanding, Aggregate Intrinsic Value	2,394,000
Exercisable, Aggregate Intrinsic Value	1,752,000
Director [Member]
Share based compensation arrangements [Line Items]
Shares issues as retainer fees (in shares)	10,000	60,000	210,000
President [Member]
Share based compensation arrangements [Line Items]
Salary stock		20,000	15,000
Chief Executive Officer [Member]
Share based compensation arrangements [Line Items]
Salary stock			200,000
Executive Officers [Member] | Restricted Stock [Member] | Long-term incentive plan [Member]
Share based compensation arrangements [Line Items]
Number of restricted stock units issued to executive officers (in shares)	100,000	100,000	200,000
Vesting period	3 years	3 years	3 years
Executive Officers [Member] | Performance stock units [Member] | Long-term incentive plan [Member]
Share based compensation arrangements [Line Items]
Number of restricted stock units issued to executive officers (in shares)	30,000
Vesting period	3 years
Senior Officers [Member] | Stock Options [Member] | Long-term incentive plan [Member]
Share based compensation arrangements [Line Items]
Vesting period	3 years	3 years	3 years
Number of stock options issued to officers (in shares)		100,000	100,000
Expire period from date of grant of stock option		10 years	10 years
Non-Employee Directors [Member]
Share based compensation arrangements [Line Items]
Number of additional shares approved for grant (in shares)	200,000
Total compensation expense (recovery) recognized	200,000	300,000	400,000
Tax benefit relating to compensation expense recognized	$100,000	$0	$0

OTHER_NONINTEREST_INCOME_Detai

OTHER NON-INTEREST INCOME (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Other Non-Interest Income [Abstract]
Investment and insurance commissions	$1,814	$1,709	$2,146
ATM fees	1,599	1,661	2,140
Bank owned life insurance	1,371	1,363	1,622
Other real estate rental income	1,295	1,471	1,773
Other	2,852	2,333	3,353
Total other non-interest income	$8,931	$8,537	$11,034

DERIVATIVE_FINANCIAL_INSTRUMEN2

DERIVATIVE FINANCIAL INSTRUMENTS (Details) (USD $)	3 Months Ended			12 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2009	Dec. 31, 2014	Dec. 31, 2013	Apr. 16, 2013	Sep. 30, 2012
Derivative financial instrument according to type of hedge[ Abstract]
Termination fee		$600,000
Unrealized loss to be reclassified into earnings over remaining life			1,600,000
Completed securities trade	13,000,000
Fair value of amended warrant was reclassified into shareholders' equity						1,500,000
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives				619,000	494,000
Liability Derivatives				366,000	0
Interest-Rate Cap Agreement [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount							20,000,000
Cash Flow Hedge [Member] | Interest-Rate Cap Agreement [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Unrecognized premiums				0	0
No Hedge Designation [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount				61,959,000	51,166,000
Average Maturity				1 year 1 month 6 days	0 years 1 month 6 days
Fair Value				253,000	494,000
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount				16,759,000	15,754,000
Average Maturity				0 years 1 month 6 days	0 years 1 month 6 days
Fair Value				437,000	366,000
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount				38,600,000	35,412,000
Average Maturity				0 years 1 month 6 days	0 years 1 month 6 days
Fair Value				-184,000	128,000
Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount				3,300,000
Average Maturity				9 years 4 months 24 days
Fair Value				-182,000
Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Derivative financial instrument according to type of hedge[ Abstract]
Notional Amount				3,300,000
Average Maturity				9 years 4 months 24 days
Fair Value				182,000
Other Assets [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives				437,000	366,000
Other Assets [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives				0	128,000
Other Assets [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives				0	0
Other Assets [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Asset Derivatives				182,000	0
Other Liabilities [Member] | No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives				0	0
Other Liabilities [Member] | No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives				184,000	0
Other Liabilities [Member] | Fixed Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives				182,000	0
Other Liabilities [Member] | Variable Income Interest Rate [Member] | No Hedge Designation [Member] | Interest Rate Swap [Member]
Fair value of derivative instruments, balance sheet location [Abstract]
Liability Derivatives				$0	$0

DERIVATIVE_FINANCIAL_INSTRUMEN3

DERIVATIVE FINANCIAL INSTRUMENTS, Effect on Statement of Operations (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Cash Flow Hedge [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)	$0		($37)		($127)
Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	-380		-397		-927
Gain (Loss) Recognized in Income	0	[1]	0	[1]	0	[1]
Cash Flow Hedge [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Other Comprehensive Income (Loss) (Effective Portion)	0		-37		-127
Cash Flow Hedge [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Expense [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Reclassified from Accumulated Other Comprehensive Loss into Income (Effective Portion)	-380		-397		-927
Gain (Loss) Recognized in Income	0	[1]	0	[1]	0	[1]
No Hedge Designation [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	54	[1]	-1,777	[1]	710	[1]
No Hedge Designation [Member] | Rate-Lock Mortgage Loan Commitments [Member] | Mortgage Loan Gains [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	71	[1]	-1,002	[1]	511	[1]
No Hedge Designation [Member] | Mandatory Commitments to Sell Mortgage Loans [Member] | Mortgage Loan Gains [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	-312	[1]	250	[1]	484	[1]
No Hedge Designation [Member] | U.S. Treasury short position [Member] | Gain on securities [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	295	[1]	0	[1]	0	[1]
No Hedge Designation [Member] | Amended Warrant [Member] | Decrease in Fair Value of U.S. Treasury Warrants [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	0	[1]	-1,025	[1]	-285	[1]
No Hedge Designation [Member] | Fixed Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	-182	[1]	0	[1]	0	[1]
No Hedge Designation [Member] | Variable Income Interest Rate [Member] | Interest Rate Swap [Member] | Interest Income [Member]
Effect of derivative financial instruments on the consolidated financial statements of operations [Abstract]
Gain (Loss) Recognized in Income	$182	[1]	$0	[1]	$0	[1]
[1]	For cash flow hedges, this location and amount refers to the ineffective portion.

RELATED_PARTY_TRANSACTIONS_Det

RELATED PARTY TRANSACTIONS (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
RELATED PARTY TRANSACTIONS [Abstract]
Borrowing relationship exceeds level	$60,000
Related party entity ownership percentage (in hundredths)	10.00%
Summary of loans and leases receivable [Roll Forward]
Balance at beginning of year	351,000	208,000
New loans and advances	0	240,000
Repayments	-135,000	-97,000
Balance at end of year	216,000	351,000
Directors and executive officers deposit	$1,000,000	$800,000

LEASES_Details

LEASES (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Summary of future minimum lease payments under non-cancelable operating leases [Abstract]
2015	$1,254,000
2016	767,000
2017	686,000
2018	652,000
2019	561,000
2020 and thereafter	783,000
Total	4,703,000
Rental expense on operating leases	$1,300,000	$1,200,000	$1,200,000

CONCENTRATIONS_OF_CREDIT_RISK_

CONCENTRATIONS OF CREDIT RISK (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Concentration Risk [Line Items]
Payment plan receivables	40,001,000	$60,638,000
Residential Real Estate [Member]
Concentration Risk [Line Items]
Concentration of risk loans receivable	519,600,000
Construction and Development Loans [Member]
Concentration Risk [Line Items]
Concentration of risk loans receivable	54,600,000
Lessors of Nonresidential Real Estate [Member]
Concentration Risk [Line Items]
Concentration of risk loans receivable	222,800,000
Lessors of Residential Real Estate [Member]
Concentration Risk [Line Items]
Concentration of risk loans receivable	66,400,000
Construction General Contractors and Land Development [Member]
Concentration Risk [Line Items]
Concentration of risk loans receivable	59,300,000
Health Care and Social Assistance [Member]
Concentration Risk [Line Items]
Concentration of risk loans receivable	65,900,000
Service Contract 1 [Member]
Concentration Risk [Line Items]
Concentrations by insurance company (in hundredths)	27.10%
Concentration risk vehicle service (in hundredths)	35.70%
Service Contract 2 [Member]
Concentration Risk [Line Items]
Concentrations by insurance company (in hundredths)	25.00%
Concentration risk vehicle service (in hundredths)	12.90%
Service Contract 3 [Member]
Concentration Risk [Line Items]
Concentrations by insurance company (in hundredths)	17.20%
Concentration risk vehicle service (in hundredths)	10.90%
Service Contract 4 [Member]
Concentration Risk [Line Items]
Concentrations by insurance company (in hundredths)	15.50%
Concentration risk vehicle service (in hundredths)	10.40%
Service Contract 5 [Member]
Concentration Risk [Line Items]
Concentrations by insurance company (in hundredths)	12.50%
Concentration risk vehicle service (in hundredths)	8.80%

REGULATORY_MATTERS_Details

REGULATORY MATTERS (Details) (USD $)	3 Months Ended	0 Months Ended
	Mar. 31, 2014	Jan. 15, 2015	Dec. 31, 2014		Apr. 09, 2014	Dec. 31, 2013		Dec. 31, 2012		Dec. 31, 2011	Feb. 17, 2015
REGULATORY MATTERS [Abstract]
Undivided profits			($31,100,000)
Maximum percentage of allowance for loan losses and allowance for unfunded lending commitments (in hundredths)			1.25%
Subsequent Event [Line Items]
Request for approval to transfer capital from bank to parent entity	15,000,000
Transfer of capital from bank to the parent company					15,000,000
Components of regulatory capital [Abstract]
Total shareholders' equity			250,371,000			231,581,000		134,975,000		102,627,000
Add (deduct) [Abstract]
Accumulated other comprehensive loss			-5,636,000	[1]		-9,245,000	[1]	-8,058,000	[1]
Intangible assets			-2,627,000			-3,163,000
Consolidated [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital			265,163,000			245,284,000
Minimum for Adequately Capitalized Institutions, Amount			117,427,000			113,086,000
Actual, Ratio (in hundredths)			18.06%			17.35%
Minimum for Adequately Capitalized Institutions, Ratio (in hundredths)			8.00%			8.00%
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount			246,628,000			227,338,000
Minimum for Adequately Capitalized Institutions, Amount			58,714,000			56,543,000
Actual, Ratio (in hundredths)			16.80%			16.08%
Minimum for Adequately Capitalized Institutions, Ratio (in hundredths)			4.00%			4.00%
Tier 1 capital to average assets [Abstract]
Tier 1 capital			246,628,000			227,338,000
Minimum for Adequately Capitalized Institutions, Amount			88,206,000			85,729,000
Actual, Ratio (in hundredths)			11.18%			10.61%
Minimum for Adequately Capitalized Institutions, Ratio (in hundredths)			4.00%			4.00%
Components of regulatory capital [Abstract]
Total shareholders' equity			250,371,000			231,581,000
Add (deduct) [Abstract]
Qualifying trust preferred securities			34,500,000			39,500,000
Accumulated other comprehensive loss			5,636,000			9,245,000
Intangible assets			-2,627,000			-3,163,000
Disallowed deferred tax assets			-40,500,000			-49,609,000
Disallowed capitalized mortgage loan servicing rights			-752,000			-216,000
Tier 1 capital			246,628,000			227,338,000
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets			18,535,000			17,946,000
Total risk-based capital			265,163,000			245,284,000
Independent Bank [Member]
Total capital to risk-weighted assets [Abstract]
Total risk-based capital			247,883,000			234,078,000
Minimum for Adequately Capitalized Institutions, Amount			117,374,000			113,013,000
Minimum for Well Capitalized Institutions, Amount			146,718,000			141,267,000
Actual, Ratio (in hundredths)			16.90%			16.57%
Minimum for Adequately Capitalized Institutions, Ratio (in hundredths)			8.00%			8.00%
Minimum for Well-Capitalized Institutions, Ratio (in hundredths)			10.00%			10.00%
Tier 1 capital to risk-weighted assets [Abstract]
Actual, Amount			229,361,000			216,146,000
Minimum for Adequately Capitalized Institutions, Amount			58,687,000			56,507,000
Minimum for Well-Capitalized Institutions, Amount			88,031,000			84,760,000
Actual, Ratio (in hundredths)			15.63%			15.30%
Minimum for Adequately Capitalized Institutions, Ratio (in hundredths)			4.00%			4.00%
Minimum for Well Capitalized Institutions, Ratio (in hundredths)			6.00%			6.00%
Tier 1 capital to average assets [Abstract]
Tier 1 capital			229,361,000			216,146,000
Minimum for Adequately Capitalized Institutions, Amount			87,687,000			85,681,000
Minimum for Well-Capitalized Institutions, Amount			109,609,000			107,101,000
Actual, Ratio (in hundredths)			10.46%			10.09%
Minimum for Adequately Capitalized Institutions, Ratio (in hundredths)			4.00%			4.00%
Minimum for Well-Capitalized Institutions, Ratio (in hundredths)			5.00%			5.00%
Components of regulatory capital [Abstract]
Total shareholders' equity			257,832,000			250,306,000
Add (deduct) [Abstract]
Qualifying trust preferred securities			0			0
Accumulated other comprehensive loss			5,636,000			9,245,000
Intangible assets			-2,627,000			-3,163,000
Disallowed deferred tax assets			-30,728,000			-40,026,000
Disallowed capitalized mortgage loan servicing rights			-752,000			-216,000
Tier 1 capital			229,361,000			216,146,000
Allowance for loan losses and allowance for unfunded lending commitments limited to 1.25% of total risk-weighted assets			18,522,000			17,932,000
Total risk-based capital			247,883,000			234,078,000
Subsequent Event [Member]
Subsequent Event [Line Items]
Request for approval to transfer capital from bank to parent entity		18,500,000
Transfer of capital from bank to the parent company											$18,500,000
[1]	2014 and 2013 amounts are presented net of tax as we removed substantially all of the valuation allowance on our deferred tax assets during the second quarter of 2013 (see note #13).

FAIR_VALUE_DISCLOSURES_Part_1_

FAIR VALUE DISCLOSURES, Part 1 (Details) (USD $)	Dec. 31, 2014		Dec. 31, 2013
FAIR VALUE DISCLOSURES [Abstract]
Value of collateral-dependent impaired loans that will be reviewed by independent third party, minimum	$250,000
Value of collateral-dependent impaired loans that will be reviewed by special assets group, maximum	250,000
Assets [Abstract]
Trading securities	203,000		498,000
Securities available for sale	533,178,000		462,481,000
U.S. Agency [Member]
Assets [Abstract]
Securities available for sale	35,006,000		31,808,000
U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale	257,558,000		203,460,000
U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale	33,728,000
Private Label Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale	6,013,000		6,788,000
Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale	32,353,000		45,185,000
Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale	143,415,000		153,678,000
Corporate [Member]
Assets [Abstract]
Securities available for sale	22,664,000		19,137,000
Trust Preferred [Member]
Assets [Abstract]
Securities available for sale	2,441,000		2,425,000
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities	203,000		498,000
Loans held for sale	23,662,000		20,390,000
Derivatives	619,000	[1]	494,000	[1]
Liabilities [Abstract]
Derivatives	366,000	[2]	0	[2]
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale	35,006,000		31,808,000
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale	257,558,000		203,460,000
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency Commercial Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale	33,728,000
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Private Label Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale	6,013,000		6,788,000
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale	32,353,000		45,185,000
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Obligations of States and Political Subdivisions [Member]
Assets [Abstract]
Securities available for sale	143,415,000		153,678,000
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale	22,664,000		19,137,000
Fair Value Measurements [Member] | Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale	2,441,000		2,425,000
Fair Value Measurements [Member] | Fair Value, Measurements, Nonrecurring [Member]
ASSETS [Abstract]
Capitalized mortgage loan servicing rights	9,197,000	[3]	7,773,000	[3]
Fair Value Measurements [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	869,000	[4]	1,997,000	[4]
Land, land development & construction - real estate	354,000	[4]	673,000	[4]
Commercial and industrial	2,601,000	[4]	2,927,000	[4]
Mortgage [Abstract]
1-4 Family	1,306,000	[4]	1,455,000	[4]
Resort Lending			340,000	[4]
Commercial [Abstract]
Income producing - real estate	869,000	[4]	1,997,000	[4]
Land, land development & construction - real estate	354,000	[4]	673,000	[4]
Commercial and industrial	2,601,000	[4]	2,927,000	[4]
Mortgage [Abstract]
1-4 Family	1,306,000	[4]	1,455,000	[4]
Resort Lending			340,000	[4]
Fair Value Measurements [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Income producing - real estate	479,000	[5]	559,000	[5]
Land, land development & construction - real estate	737,000	[5]	1,047,000	[5]
Mortgage [Abstract]
1-4 Family	102,000	[5]	337,000	[5]
Resort Lending	575,000	[5]	1,257,000	[5]
Commercial [Abstract]
Income producing - real estate	479,000	[5]	559,000	[5]
Land, land development & construction - real estate	737,000	[5]	1,047,000	[5]
Mortgage [Abstract]
1-4 Family	102,000	[5]	337,000	[5]
Resort Lending	575,000	[5]	1,257,000	[5]
Installment [Abstract]
Home equity - 1st lien	13,000	[5]	29,000	[5]
Payment plan receivables [Abstract]
Full refund/partial refund			2,668,000	[5]
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
Assets [Abstract]
Trading securities	203,000		498,000
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	203,000		498,000
Loans held for sale	0		0
Derivatives	0	[1]	0	[1]
Liabilities [Abstract]
Derivatives	0	[2]	0	[2]
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
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Fair Value, Measurements, Recurring [Member] | Private Label 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] | 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, Nonrecurring [Member]
ASSETS [Abstract]
Capitalized mortgage loan servicing rights	0	[3]	0	[3]
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	0	[4]	0	[4]
Land, land development & construction - real estate	0	[4]	0	[4]
Commercial and industrial	0	[4]	0	[4]
Mortgage [Abstract]
1-4 Family	0	[4]	0	[4]
Resort Lending			0	[4]
Commercial [Abstract]
Income producing - real estate	0	[4]	0	[4]
Land, land development & construction - real estate	0	[4]	0	[4]
Commercial and industrial	0	[4]	0	[4]
Mortgage [Abstract]
1-4 Family	0	[4]	0	[4]
Resort Lending			0	[4]
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	0	[5]	0	[5]
Land, land development & construction - real estate	0	[5]	0	[5]
Mortgage [Abstract]
1-4 Family	0	[5]	0	[5]
Resort Lending	0	[5]	0	[5]
Commercial [Abstract]
Income producing - real estate	0	[5]	0	[5]
Land, land development & construction - real estate	0	[5]	0	[5]
Mortgage [Abstract]
1-4 Family	0	[5]	0	[5]
Resort Lending	0	[5]	0	[5]
Installment [Abstract]
Home equity - 1st lien	0	[5]	0	[5]
Payment plan receivables [Abstract]
Full refund/partial refund			0	[5]
Significant Other Observable Inputs (Level 2) [Member]
Assets [Abstract]
Trading securities	0		0
Securities available for sale	533,178,000		462,481,000
Derivatives	619,000		494,000
Liabilities [Abstract]
Derivatives	366,000		0
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities	0		0
Loans held for sale	23,662,000		20,390,000
Derivatives	619,000	[1]	494,000	[1]
Liabilities [Abstract]
Derivatives	366,000	[2]	0	[2]
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | U.S. Agency [Member]
Assets [Abstract]
Securities available for sale	35,006,000		31,808,000
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	257,558,000		203,460,000
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	33,728,000
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Private Label Residential Mortgage-Backed [Member]
Assets [Abstract]
Securities available for sale	6,013,000		6,788,000
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Other Asset Backed [Member]
Assets [Abstract]
Securities available for sale	32,353,000		45,185,000
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	143,415,000		153,678,000
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Corporate [Member]
Assets [Abstract]
Securities available for sale	22,664,000		19,137,000
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Recurring [Member] | Trust Preferred [Member]
Assets [Abstract]
Securities available for sale	2,441,000		2,425,000
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Nonrecurring [Member]
ASSETS [Abstract]
Capitalized mortgage loan servicing rights	0	[3]	0	[3]
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	0	[4]	0	[4]
Land, land development & construction - real estate	0	[4]	0	[4]
Commercial and industrial	0	[4]	0	[4]
Mortgage [Abstract]
1-4 Family	0	[4]	0	[4]
Resort Lending			0	[4]
Commercial [Abstract]
Income producing - real estate	0	[4]	0	[4]
Land, land development & construction - real estate	0	[4]	0	[4]
Commercial and industrial	0	[4]	0	[4]
Mortgage [Abstract]
1-4 Family	0	[4]	0	[4]
Resort Lending			0	[4]
Significant Other Observable Inputs (Level 2) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Income producing - real estate	0	[5]	0	[5]
Land, land development & construction - real estate	0	[5]	0	[5]
Mortgage [Abstract]
1-4 Family	0	[5]	0	[5]
Resort Lending	0	[5]	0	[5]
Commercial [Abstract]
Income producing - real estate	0	[5]	0	[5]
Land, land development & construction - real estate	0	[5]	0	[5]
Mortgage [Abstract]
1-4 Family	0	[5]	0	[5]
Resort Lending	0	[5]	0	[5]
Installment [Abstract]
Home equity - 1st lien	0	[5]	0	[5]
Payment plan receivables [Abstract]
Full refund/partial refund			0	[5]
Significant Unobservable Inputs (Level 3) [Member]
Assets [Abstract]
Trading securities	0		0
Securities available for sale	0		0
Derivatives	0		0
Liabilities [Abstract]
Derivatives	0		0
ASSETS [Abstract]
Capitalized mortgage loan servicing rights	9,197,000		7,773,000
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member]
Assets [Abstract]
Trading securities	0		0
Loans held for sale	0		0
Derivatives	0	[1]	0	[1]
Liabilities [Abstract]
Derivatives	0	[2]	0	[2]
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
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Recurring [Member] | Private Label Residential 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, Nonrecurring [Member]
ASSETS [Abstract]
Capitalized mortgage loan servicing rights	9,197,000	[3]	7,773,000	[3]
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Impaired Loans [Member]
Commercial [Abstract]
Income producing - real estate	869,000	[4]	1,997,000	[4]
Land, land development & construction - real estate	354,000	[4]	673,000	[4]
Commercial and industrial	2,601,000	[4]	2,927,000	[4]
Mortgage [Abstract]
1-4 Family	1,306,000	[4]	1,455,000	[4]
Resort Lending			340,000	[4]
Commercial [Abstract]
Income producing - real estate	869,000	[4]	1,997,000	[4]
Land, land development & construction - real estate	354,000	[4]	673,000	[4]
Commercial and industrial	2,601,000	[4]	2,927,000	[4]
Mortgage [Abstract]
1-4 Family	1,306,000	[4]	1,455,000	[4]
Resort Lending			340,000	[4]
Significant Unobservable Inputs (Level 3) [Member] | Fair Value, Measurements, Nonrecurring [Member] | Other Real Estate [Member]
Commercial [Abstract]
Income producing - real estate	479,000	[5]	559,000	[5]
Land, land development & construction - real estate	737,000	[5]	1,047,000	[5]
Mortgage [Abstract]
1-4 Family	102,000	[5]	337,000	[5]
Resort Lending	575,000	[5]	1,257,000	[5]
Commercial [Abstract]
Income producing - real estate	479,000	[5]	559,000	[5]
Land, land development & construction - real estate	737,000	[5]	1,047,000	[5]
Mortgage [Abstract]
1-4 Family	102,000	[5]	337,000	[5]
Resort Lending	575,000	[5]	1,257,000	[5]
Installment [Abstract]
Home equity - 1st lien	13,000	[5]	29,000	[5]
Payment plan receivables [Abstract]
Full refund/partial refund			$2,668,000	[5]
[1]	Included in accrued income and other assets
[2]	Included in accrued expenses and other liabilities
[3]	Only includes servicing rights that are carried at fair value due to recognition of a valuation allowance.
[4]	Only includes impaired loans with specific loss allocations based on collateral value.
[5]	Only includes other real estate with subsequent write downs to fair value.

FAIR_VALUE_DISCLOSURES_Part_2_

FAIR VALUE DISCLOSURES, Part 2 (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Impairment charges recognized [Abstract]
Capitalized mortgage loan servicing rights, carrying amount	$9,200,000	$7,800,000
Capitalized mortgage loan servicing rights, valuation allowance	3,773,000	2,855,000	6,087,000
Capitalized mortgage loan servicing rights recoveries	-900,000	3,200,000	500,000
Collateral dependent loans, carrying amount	8,200,000	10,800,000
Collateral dependent loans, valuation allowance	3,100,000	3,400,000
Additional provision for loan losses on impaired loans	2,100,000	1,500,000	2,000,000
Other real estate, carrying amount	1,900,000	5,900,000
Other real estate, valuation allowance	2,511,000	4,047,000	5,958,000	14,655,000
Other real estate, additional charge	300,000	1,600,000	1,500,000
Warrant reclassified into shareholders' equity, fair value	1,500,000
Amended Warrant [Member]
Liability [Roll Forward]
Beginning balance	0	-459,000
Total gains (losses) realized and unrealized [Abstract]
Included in results of operations	0	-1,025,000
Included in other comprehensive income	0	0
Purchases, issuances, settlements, maturities and calls	0	0
Reclassification to shareholders' equity	0	1,484,000
Transfers in and/or out of Level 3	0	0
Ending balance	0	0
Amended Warrant [Member] | Other Income [Member]
Total gains (losses) realized and unrealized [Abstract]
Amount of total gains (losses) for the year included in earnings attributable to the change in unrealized gains (losses) relating to assets and liabilities still held at December 31	0	0
Impaired Loans Commercial [Member]
Impairment charges recognized [Abstract]
Total impaired collateral value	1,100,000
Impaired Loans Commercial [Member] | Minimum [Member]
Impairment charges recognized [Abstract]
Discount rate (in hundredths)	35.00%
Impaired Loans Commercial [Member] | Maximum [Member]
Impairment charges recognized [Abstract]
Discount rate (in hundredths)	100.00%
Trading Securities [Member]
Changes in fair value for financial assets [Abstract]
Net Gains (Losses) on Assets	-295,000	388,000	33,000
Total Change in Fair Values Included in Current Period Earnings	-295,000	388,000	33,000
Loans Held For Sale [Member]
Changes in fair value for financial assets [Abstract]
Net Gains (Losses) on Assets	258,000	-1,477,000	440,000
Total Change in Fair Values Included in Current Period Earnings	$258,000	($1,477,000)	$440,000

FAIR_VALUE_DISCLOSURES_Part_3_

FAIR VALUE DISCLOSURES, Part 3 (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Fair value option - Loans held for sale [Abstract]
Loans held for sale	$23,662	$20,390
Difference	624	366	1,843
Aggregate Fair Value [Member]
Fair value option - Loans held for sale [Abstract]
Loans held for sale	23,662	20,390	47,487
Contractual Principal [Member]
Fair value option - Loans held for sale [Abstract]
Loans held for sale	$23,038	$20,024	$45,644

FAIR_VALUE_DISCLOSURES_Part_4_

FAIR VALUE DISCLOSURES, Part 4 (Details) (USD $)	12 Months Ended
	Dec. 31, 2014		Dec. 31, 2013
Significant Unobservable Inputs (Level 3) [Member]
Asset (Liability) Fair Value [Abstract]
Capitalized mortgage loan servicing rights	9,197,000		7,773,000
Impaired loan [Abstract]
Commercial	2,751,000	[1]	5,597,000
Mortgage	1,306,000		1,795,000
Other real estate [Abstract]
Commercial	1,216,000		1,606,000
Mortgage and Installment	690,000		1,623,000
Payment Plan Receivables			2,668,000
Income Approach [Member] | Impaired Loans Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Capitalization rate (in hundredths)	9.30%		9.30%
Present Value of Net Servicing Revenue [Member]
Unobservable Inputs Weighted Average [Abstract]
Discount rate (in hundredths)	10.07%		10.09%
Cost to service	82		81
Ancillary income	25		29
Float rate (in hundredths)	1.77%		1.79%
Sales Comparison Approach [Member] | Impaired Loans Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales (in hundredths)	-3.80%	[1]	-1.90%
Sales Comparison Approach [Member] | Impaired Loans Mortgage [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales (in hundredths)	8.60%		3.20%
Sales Comparison Approach [Member] | Other Real Estate Commercial [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales (in hundredths)	-9.00%		-5.70%
Capitalization rate (in hundredths)	34.30%
Sales Comparison Approach [Member] | Other Real Estate Mortgage and Installment [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales (in hundredths)			55.70%
Sales Comparison Approach [Member] | Significant Unobservable Inputs (Level 3) [Member] | Payment Plan Receivable [Member]
Unobservable Inputs Weighted Average [Abstract]
Adjustment for differences between comparable sales (in hundredths)			10.40%
[1]	In addition to the valuation techniques and unobservable inputs discussed above, at December 31, 2014 we had an impaired collateral dependent commercial relationship that totaled $1.1 million that was primarily secured by collateral other than real estate. Collateral securing this relationship primarily included machinery and equipment, accounts receivable, inventory and company stock. Valuation techniques included discounting cost and financial statement value approaches based on estimates of value recovery of each particular asset type. Discount rates used ranged from 35% to 100% of stated values.

FAIR_VALUES_OF_FINANCIAL_INSTR2

FAIR VALUES OF FINANCIAL INSTRUMENTS (Details) (USD $)	Dec. 31, 2014		Dec. 31, 2013
Assets [Abstract]
Interest bearing deposits - time	$13,561,000		$17,999,000
Trading securities	203,000		498,000
Securities available for sale	533,178,000		462,481,000
Liabilities [Abstract]
Deposits with stated maturity	390,127,000
Subordinated debentures	35,569,000		40,723,000
Reciprocal deposits included in deposits with no stated maturity	13,600,000		11,200,000
Reciprocal deposits included in deposits with stated maturity	40,100,000		72,300,000
Recorded Book Balance [Member]
Assets [Abstract]
Cash and due from banks	48,326,000		48,156,000
Interest bearing deposits	25,690,000		70,925,000
Interest bearing deposits - time	13,561,000		17,999,000
Trading securities	203,000		498,000
Securities available for sale	533,178,000		462,481,000
Federal Home Loan Bank and Federal Reserve Bank Stock	19,919,000		23,419,000
Net loans and loans held for sale	1,407,634,000		1,362,635,000
Accrued interest receivable	5,995,000		5,948,000
Derivative financial instruments	619,000		494,000
Liabilities [Abstract]
Deposits with no stated maturity	1,534,175,000	[1]	1,440,225,000	[1]
Deposits with stated maturity	390,127,000	[1]	444,581,000	[1]
Other borrowings	12,470,000		17,188,000
Subordinated debentures	35,569,000		40,723,000
Accrued interest payable	380,000		445,000
Derivative financial instruments	366,000		0
Fair Value [Member]
Assets [Abstract]
Cash and due from banks	48,326,000		48,156,000
Interest bearing deposits	25,690,000		70,925,000
Interest bearing deposits - time	13,585,000		18,000,000
Trading securities	203,000		498,000
Securities available for sale	533,178,000		462,481,000
Net loans and loans held for sale	1,394,424,000		1,333,229,000
Accrued interest receivable	5,995,000		5,948,000
Derivative financial instruments	619,000		494,000
Liabilities [Abstract]
Deposits with no stated maturity	1,534,175,000	[1]	1,440,225,000	[1]
Deposits with stated maturity	389,139,000	[1]	446,366,000	[1]
Other borrowings	14,560,000		19,726,000
Subordinated debentures	23,328,000		27,871,000
Accrued interest payable	380,000		445,000
Derivative financial instruments	366,000		0
Quoted Prices in Active Markets for Identical Assets, (Level 1) [Member]
Assets [Abstract]
Cash and due from banks	48,326,000		48,156,000
Interest bearing deposits	25,690,000		70,925,000
Interest bearing deposits - time	0		0
Trading securities	203,000		498,000
Securities available for sale	0		0
Net loans and loans held for sale	0		0
Accrued interest receivable	2,000		1,000
Derivative financial instruments	0		0
Liabilities [Abstract]
Deposits with no stated maturity	1,534,175,000	[1]	1,440,225,000	[1]
Deposits with stated maturity	0	[1]	0	[1]
Other borrowings	0		0
Subordinated debentures	0		0
Accrued interest payable	21,000		20,000
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	13,585,000		18,000,000
Trading securities	0		0
Securities available for sale	533,178,000		462,481,000
Net loans and loans held for sale	23,662,000		20,390,000
Accrued interest receivable	1,599,000		1,426,000
Derivative financial instruments	619,000		494,000
Liabilities [Abstract]
Deposits with no stated maturity	0	[1]	0	[1]
Deposits with stated maturity	389,139,000	[1]	446,366,000	[1]
Other borrowings	14,560,000		19,726,000
Subordinated debentures	23,328,000		27,871,000
Accrued interest payable	359,000		425,000
Derivative financial instruments	366,000		0
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	1,370,762,000		1,312,839,000
Accrued interest receivable	4,394,000		4,521,000
Derivative financial instruments	0		0
Liabilities [Abstract]
Deposits with no stated maturity	0	[1]	0	[1]
Deposits with stated maturity	0	[1]	0	[1]
Other borrowings	0		0
Subordinated debentures	0		0
Accrued interest payable	0		0
Derivative financial instruments	$0		$0
[1]	Deposits with no stated maturity include reciprocal deposits with a recorded book balance of $13.6 million and $11.2 million at December 31, 2014 and 2013, respectively. Deposits with a stated maturity include reciprocal deposits with a recorded book balance of $40.1 million and $72.3 million at December 31, 2014 and 2013, respectively.

OPERATING_SEGMENTS_Details

OPERATING SEGMENTS (Details) (USD $)	3 Months Ended	12 Months Ended
	Jun. 30, 2013	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
		Segment
OPERATING SEGMENTS [Abstract]
Number of reportable segments		2
Selected financial information for reportable segments [Abstract]
Total assets		$2,248,730,000		$2,209,943,000		$2,023,867,000
Interest income		80,555,000		87,121,000		99,398,000
Net interest income		73,256,000		77,959,000		86,255,000
Provision for loan losses		-3,136,000		-3,988,000		6,887,000
Income (loss) before income tax		25,216,000		22,658,000		26,198,000
Net income (loss)		18,021,000		77,509,000		26,198,000
Reversal of valuation allowance on net deferred tax assets	57,600,000
IB [Member]
Selected financial information for reportable segments [Abstract]
Reversal of valuation allowance on net deferred tax assets				47,100,000
Other [Member]
Selected financial information for reportable segments [Abstract]
Total assets		286,158,000	[1],[2]	272,348,000	[1],[2]	192,343,000	[1],[2]
Interest income		64,000	[1],[2]	0	[1],[2]	0	[1],[2]
Net interest income		-1,398,000	[1],[2]	-2,317,000	[1],[2]	-2,779,000	[1],[2]
Provision for loan losses		0	[1],[2]	0	[1],[2]	0	[1],[2]
Income (loss) before income tax		-1,095,000	[1],[2]	-3,961,000	[1],[2]	-3,677,000	[1],[2]
Net income (loss)		-712,000	[1],[2]	5,092,000	[1],[2]	-3,677,000	[1],[2]
Reversal of valuation allowance on net deferred tax assets				9,000,000
Reportable Segments [Member] | IB [Member]
Selected financial information for reportable segments [Abstract]
Total assets		2,174,536,000		2,104,550,000		1,885,807,000
Interest income		73,551,000		76,018,000		84,760,000
Net interest income		68,948,000		71,496,000		77,919,000
Provision for loan losses		-3,098,000		-3,891,000		6,895,000
Income (loss) before income tax		25,845,000		29,605,000		27,379,000
Net income (loss)		18,550,000		74,313,000		28,260,000
Reportable Segments [Member] | Mepco [Member]
Selected financial information for reportable segments [Abstract]
Total assets		63,378,000		94,648,000		135,447,000
Interest income		7,004,000		11,103,000		14,638,000
Net interest income		5,706,000		8,780,000		11,115,000
Provision for loan losses		-38,000		-97,000		-8,000
Income (loss) before income tax		561,000		-2,891,000		2,591,000
Net income (loss)		366,000		-1,801,000		1,710,000
Elimination [Member]
Selected financial information for reportable segments [Abstract]
Total assets		-275,342,000	[3]	-261,603,000	[3]	-189,730,000	[3]
Interest income		-64,000	[3]	0	[3]	0	[3]
Net interest income		0	[3]	0	[3]	0	[3]
Provision for loan losses		0	[3]	0	[3]	0	[3]
Income (loss) before income tax		-95,000	[3]	-95,000	[3]	-95,000	[3]
Net income (loss)		($183,000)	[3]	($95,000)	[3]	($95,000)	[3]
[1]	During 2013 IB and Other (parent company) include $47.1 million and $9.0 million, respectively of income tax benefit related to the reversal of the valuation allowance on our net deferred tax assets (see note #13).
[2]	Includes amounts relating to our parent company and certain insignificant operations.
[3]	Includes parent company's investment in subsidiaries and cash balances maintained at subsidiary.

ACCUMULATED_OTHER_COMPREHENSIV2

ACCUMULATED OTHER COMPREHENSIVE LOSS (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014		Dec. 31, 2013		Dec. 31, 2012
Accumulated Other Comprehensive Income Loss [Line Items]
Accumulated other comprehensive income (loss) before tax at beginning of period			($8,058)	[1]	($11,921)	[1]
Accumulated other comprehensive income (loss), tax effect at beginning of period			0	[1]
Accumulated other comprehensive income (loss) at beginning period	-9,245	[1]	-8,058	[1]
Terminated cash flow hedge			0	[1]
Other comprehensive income (loss) before reclassifications	3,570	[1]	-2,901	[1]	3,790	[1]
Amounts reclassified from AOCL	39	[1]	1,714	[1]	73	[1]
Net current period other comprehensive income (loss)	3,609	[1]	-1,187	[1]	3,863	[1]
Accumulated other comprehensive income (loss) before tax at end of period					-8,058	[1]
Accumulated other comprehensive income (loss) at end of period	-5,636	[1]	-9,245	[1]	-8,058	[1]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net impairment loss recognized in earnings	9		26		339
Interest expense	-7,299		-9,162		-13,143
Total reclassifications before tax	25,216		22,658		26,198
Tax expense (benefit)	7,195		-54,851		0
Total reclassifications for the period, net of tax	18,021		77,509		26,198
Reclassification Out Of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Total reclassifications for the period, net of tax	-39		-1,714		-73
Unrealized Losses on Available For Sale Securities [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Accumulated other comprehensive income (loss) before tax at beginning of period			-516	[1]	-3,579	[1]
Accumulated other comprehensive income (loss), tax effect at beginning of period			181	[1]
Accumulated other comprehensive income (loss) at beginning period	-3,200	[1]	-335	[1]
Terminated cash flow hedge			0	[1]
Other comprehensive income (loss) before reclassifications	3,570	[1]	-2,877	[1]	3,917	[1]
Amounts reclassified from AOCL	-208	[1]	12	[1]	-854	[1]
Net current period other comprehensive income (loss)	3,362	[1]	-2,865	[1]	3,063	[1]
Accumulated other comprehensive income (loss) before tax at end of period					-516	[1]
Accumulated other comprehensive income (loss) at end of period	162	[1]	-3,200	[1]	-335	[1]
Unrealized Losses on Available For Sale Securities [Member] | Reclassification Out Of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Net gains on securities	329		7		1,193
Net impairment loss recognized in earnings	-9		-26		-339
Total reclassifications before tax	320		-19		854
Tax expense (benefit)	112		-7		0
Total reclassifications for the period, net of tax	208		-12		854
Disproportionate Tax Effects from Securities Available for Sale [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Accumulated other comprehensive income (loss) before tax at beginning of period			-5,617	[1]	-5,617	[1]
Accumulated other comprehensive income (loss), tax effect at beginning of period			-181	[1]
Accumulated other comprehensive income (loss) at beginning period	-5,798	[1]	-5,798	[1]
Terminated cash flow hedge			0	[1]
Other comprehensive income (loss) before reclassifications	0	[1]	0	[1]	0	[1]
Amounts reclassified from AOCL	0	[1]	0	[1]	0	[1]
Net current period other comprehensive income (loss)	0	[1]	0	[1]	0	[1]
Accumulated other comprehensive income (loss) before tax at end of period					-5,617	[1]
Accumulated other comprehensive income (loss) at end of period	-5,798	[1]	-5,798	[1]	-5,798	[1]
Unrealized Losses on Cash Flow Hedges [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Accumulated other comprehensive income (loss) before tax at beginning of period			-739	[1]	-1,103	[1]
Accumulated other comprehensive income (loss), tax effect at beginning of period			258	[1]
Accumulated other comprehensive income (loss) at beginning period	0	[1]	-481	[1]
Terminated cash flow hedge			370	[1]
Other comprehensive income (loss) before reclassifications	0	[1]	-24	[1]	-127	[1]
Amounts reclassified from AOCL	0	[1]	135	[1]	491	[1]
Net current period other comprehensive income (loss)	0	[1]	111	[1]	364	[1]
Accumulated other comprehensive income (loss) before tax at end of period					-739	[1]
Accumulated other comprehensive income (loss) at end of period	0	[1]	0	[1]	-481	[1]
Unrealized Losses on Cash Flow Hedges [Member] | Reclassification Out Of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Interest expense			-208		-491
Tax expense (benefit)			-73		0
Total reclassifications for the period, net of tax			-135		-491
Unrealized Losses on Settled Derivatives [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Accumulated other comprehensive income (loss) before tax at beginning of period			0	[1]	-436	[1]
Accumulated other comprehensive income (loss), tax effect at beginning of period			0	[1]
Accumulated other comprehensive income (loss) at beginning period	-247	[1]	0	[1]
Terminated cash flow hedge			-370	[1]
Other comprehensive income (loss) before reclassifications	0	[1]	0	[1]	0	[1]
Amounts reclassified from AOCL	247	[1]	123	[1]	436	[1]
Net current period other comprehensive income (loss)	247	[1]	123	[1]	436	[1]
Accumulated other comprehensive income (loss) before tax at end of period					0	[1]
Accumulated other comprehensive income (loss) at end of period	0	[1]	-247	[1]	0	[1]
Unrealized Losses on Settled Derivatives [Member] | Reclassification Out Of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Interest expense	-380		-189		-436
Tax expense (benefit)	-133		-66		0
Total reclassifications for the period, net of tax	-247		-123		-436
Disproportionate Tax Effects from Cash Flow Hedges [Member]
Accumulated Other Comprehensive Income Loss [Line Items]
Accumulated other comprehensive income (loss) before tax at beginning of period			-1,186	[1]	-1,186	[1]
Accumulated other comprehensive income (loss), tax effect at beginning of period			-258	[1]
Accumulated other comprehensive income (loss) at beginning period	0	[1]	-1,444	[1]
Terminated cash flow hedge			0	[1]
Other comprehensive income (loss) before reclassifications	0	[1]	0	[1]	0	[1]
Amounts reclassified from AOCL	0	[1]	1,444	[1]	0	[1]
Net current period other comprehensive income (loss)	0	[1]	1,444	[1]	0	[1]
Accumulated other comprehensive income (loss) before tax at end of period					-1,186	[1]
Accumulated other comprehensive income (loss) at end of period	0	[1]	0	[1]	-1,444	[1]
Disproportionate Tax Effects from Cash Flow Hedges [Member] | Reclassification Out Of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]
Tax expense (benefit)			$1,444
[1]	2014 and 2013 amounts are presented net of tax as we removed substantially all of the valuation allowance on our deferred tax assets during the second quarter of 2013 (see note #13).

INDEPENDENT_BANK_CORPORATION_P2

INDEPENDENT BANK CORPORATION (PARENT COMPANY ONLY) FINANCIAL INFORMATION (Details) (USD $)	12 Months Ended
In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Cash and due from banks	$48,326	$48,156
Interest bearing deposits - time	13,561	17,999
Other assets	23,590	22,562
Total Assets	2,248,730	2,209,943	2,023,867
LIABILITIES AND SHAREHOLDERS' EQUITY
Subordinated debentures	35,569	40,723
Other liabilities	24,041	31,556
Stockholders' equity	250,371	231,581	134,975	102,627
Total Liabilities and Shareholders' Equity	2,248,730	2,209,943
OPERATING INCOME (LOSS)
Gains on extinguishment of debt	500	0	0
Interest income	80,555	87,121	99,398
Increase in fair value of U.S. Treasury warrant	0	-1,025	-285
OPERATING EXPENSES
Interest expense	7,299	9,162	13,143
Loss Before Income Tax and Equity in Undistributed Net Income of Subsidiaries	25,216	22,658	26,198
Income tax benefit	7,195	-54,851	0
Net Income	18,021	77,509	26,198
CONDENSED STATEMENTS OF CASH FLOWS [Abstract]
Net Income	18,021	77,509	26,198
ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH USED IN OPERATING ACTIVITIES
Deferred income taxes	8,918	-57,550	0
Gains on extinguishment of debt	-500	0	0
Share based compensation	1,192	1,238	869
(Increase) decrease in other assets	-2,579	7,747	-2,425
Increase (decrease) in other liabilities	-7,213	-3,508	6,606
Total Adjustments	-4,950	-25,439	3,195
Net Cash From Operating Activities	13,071	52,070	29,393
CASH FLOW FROM INVESTING ACTIVITIES
Purchases of interest bearing deposits	-2,401	-20,260	0
Maturity of interest bearing deposits	6,719	2,142	0
Net Cash From Investing Activities	-82,116	-221,068	-273,895
CASH FLOW FROM FINANCING ACTIVITIES
Dividends paid	-4,129	0	0
Proceeds from issuance of common stock	97	98,066	1,418
Redemption of subordinated debt	-4,654	-9,452	0
Redemption of convertible preferred stock and common stock warrant	0	-81,000	0
Share based compensation withholding obligations	0	-513	0
Net Cash From Financing Activities	23,980	108,297	83,176
Net Decrease in Cash and Cash Equivalents	-45,065	-60,701	-161,326
Cash and Cash Equivalents at Beginning of Year	119,081	179,782	341,108
Cash and Cash Equivalents at End of Year	74,016	119,081	179,782
Parent Company [Member]
ASSETS
Cash and due from banks	5,174	11,654
Interest bearing deposits - time	12,500	0
Investment in subsidiaries	258,901	251,529
Other assets	9,583	9,165
Total Assets	286,158	272,348
LIABILITIES AND SHAREHOLDERS' EQUITY
Subordinated debentures	35,569	40,723
Other liabilities	382	391
Stockholders' equity	250,207	231,234
Total Liabilities and Shareholders' Equity	286,158	272,348
OPERATING INCOME (LOSS)
Gains on extinguishment of debt	500	0	0
Gain on securities	295	0	0
Interest income	64	0	0
Increase in fair value of U.S. Treasury warrant	0	-1,025	-285
Other income	35	63	70
Total Operating Income (Loss)	894	-962	-215
OPERATING EXPENSES
Interest expense	1,462	2,317	2,779
Administrative and other expenses	527	682	683
Total Operating Expenses	1,989	2,999	3,462
Loss Before Income Tax and Equity in Undistributed Net Income of Subsidiaries	-1,095	-3,961	-3,677
Income tax benefit	-383	-9,053	0
Income (Loss) Before Equity in Undistributed Net Income of Subsidiaries	-712	5,092	-3,677
Equity in undistributed net income of subsidiaries	18,733	72,417	29,875
Net Income	18,021	77,509	26,198
CONDENSED STATEMENTS OF CASH FLOWS [Abstract]
Net Income	18,021	77,509	26,198
ADJUSTMENTS TO RECONCILE NET INCOME TO NET CASH USED IN OPERATING ACTIVITIES
Deferred income taxes	-383	-8,955	0
Gains on extinguishment of debt	-500	0	0
Gain on securities	-295	0	0
Share based compensation	46	84	184
(Increase) decrease in other assets	118	738	-46
Increase (decrease) in other liabilities	287	-5,858	2,945
Equity in undistributed net income of subsidiaries operations	-18,733	-72,417	-29,875
Total Adjustments	-19,460	-86,408	-26,792
Net Cash From Operating Activities	-1,439	-8,899	-594
CASH FLOW FROM INVESTING ACTIVITIES
Purchases of interest bearing deposits	-17,500	0	0
Maturity of interest bearing deposits	5,000	0	0
Return of capital from subsidiary	15,000	7,500	0
Net Cash From Investing Activities	2,500	7,500	0
CASH FLOW FROM FINANCING ACTIVITIES
Dividends paid	-4,129	0	0
Proceeds from issuance of common stock	1,242	100,230	2,244
Redemption of subordinated debt	-4,654	-9,452	0
Redemption of convertible preferred stock and common stock warrant	0	-81,000	0
Share based compensation withholding obligations	0	-513	0
Net Cash From Financing Activities	-7,541	9,265	2,244
Net Decrease in Cash and Cash Equivalents	-6,480	7,866	1,650
Cash and Cash Equivalents at Beginning of Year	11,654	3,788	2,138
Cash and Cash Equivalents at End of Year	$5,174	$11,654	$3,788

BRANCH_SALE_Details

BRANCH SALE (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Branch Location [Line Items]
Deposit premium payment			$11,500,000
Fair value of fixed assets expected to be sold			48,000,000
Discount percentage of branches being sold (in hundredths)			1.75%
Cost of fixed assets expected to be sold, net of accumulated depreciation			8,100,000
Amount of remaining unamortized intangible assets			336,100,000
Net gain on branch sale	0	0	5,402,000
Existing core deposit intangibles allocation related to Branch sale			2,600,000
Loss on sale of fixed assets allocation related to Branch sale			2,500,000
Loss on the sale of loans allocation related to Branch sale			200,000
Transaction related costs allocation related to Branch sale			800,000
Midland, Michigan [Member]
Branch Location [Line Items]
Number of branches to be sold			21
Deposits			$403,100,000
Battle Creek, Michigan market area [Member]
Branch Location [Line Items]
Number of branches to be sold			6
Northeast Michigan [Member]
Branch Location [Line Items]
Number of branches to be sold			15