The First of Long Island Corporation (FLIC) 10-K 15 Mar 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Feb. 29, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	FIRST OF LONG ISLAND CORP
Trading Symbol	flic
Document Type	10-K
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		14,202,222
Entity Public Float			$ 370,680,627
Amendment Flag	false
Entity Central Index Key	740,663
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Well-known Seasoned Issuer	No
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Assets:
Cash and cash equivalents	$ 39,635,000	$ 32,944,000
Investment securities:
Held-to-maturity, at amortized cost (fair value of $14,910 and $22,870)	14,371,000	21,833,000
Available-for-sale, at fair value	737,700,000	774,145,000
	752,071,000	795,978,000
Loans held-for-sale	105,000
Loans:
Commercial and industrial	93,056,000	77,140,000
Secured by real estate:
Commercial mortgages	1,036,331,000	858,975,000
Residential mortgages	1,025,215,000	779,994,000
Home equity lines	87,848,000	83,109,000
Consumer and other	5,733,000	5,601,000
	2,248,183,000	1,804,819,000
Allowance for loan losses	(27,256,000)	(23,221,000)
	2,220,927,000	1,781,598,000
Restricted stock, at cost	28,435,000	23,304,000
Bank premises and equipment, net	30,330,000	27,854,000
Bank-owned life insurance	32,447,000	31,568,000
Pension plan assets, net	14,337,000	16,421,000
Other assets	12,056,000	11,827,000
	3,130,343,000	2,721,494,000
Deposits:
Checking	777,994,000	655,753,000
Savings, NOW and money market	1,195,968,000	1,000,325,000
Time, $100,000 and over	198,147,000	208,745,000
Time, other	112,566,000	120,202,000
	2,284,675,000	1,985,025,000
Short-term borrowings	211,502,000	136,486,000
Long-term debt	365,712,000	345,000,000
Accrued expenses and other liabilities	12,313,000	13,247,000
Deferred income taxes payable	5,205,000	8,433,000
	2,879,407,000	2,488,191,000
Authorized, 40,000,000 shares
Issued and outstanding, 14,116,677 and 13,887,134 shares	1,412,000	1,389,000
Surplus	56,931,000	51,009,000
Retained earnings	185,069,000	170,120,000
	243,412,000	222,518,000
Accumulated other comprehensive income, net of tax	7,524,000	10,785,000
	250,936,000	233,303,000
	$ 3,130,343,000	$ 2,721,494,000

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Held-to-maturity, at fair value (in Dollars)	$ 14,910	$ 22,870
Common stock, par value (in Dollars per share)	$ 0.10	$ 0.10
Common stock, authorized	40,000,000	40,000,000
Common stock, issued	14,116,677	13,887,134
Common stock, outstanding	14,116,677	13,887,134

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest and dividend income:
Loans	$ 70,558	$ 59,209	$ 51,921
Investment securities:
Taxable	7,991	9,359	10,164
Nontaxable	13,586	13,408	12,766
	92,135	81,976	74,851
Interest expense:
Savings, NOW and money market deposits	2,564	1,955	2,302
Time deposits	5,987	6,171	5,040
Short-term borrowings	183	148	288
Long-term debt	7,795	6,774	4,734
	16,529	15,048	12,364
Net interest income	75,606	66,928	62,487
Provision for loan losses	4,317	3,189	2,997
Net interest income after provision for loan losses	71,289	63,739	59,490
Noninterest income:
Investment Management Division income	2,044	2,058	1,872
Service charges on deposit accounts	2,577	2,974	3,019
Net gains on sales of securities	1,324	141	16
Other	2,813	2,228	2,138
	8,758	7,401	7,045
Noninterest expense:
Salaries	20,680	18,885	17,160
Employee benefits	6,021	4,833	5,517
Occupancy and equipment	8,798	8,880	7,669
Debt extinguishment	1,084	0
Other	10,108	9,433	9,154
	46,691	42,031	39,500
Income before income taxes	33,356	29,109	27,035
Income tax expense	7,466	6,095	5,735
Net income	$ 25,890	$ 23,014	$ 21,300
Weighted average:
Common shares (in Shares)	14,011,872	13,807,482	13,633,479
Dilutive stock options and restricted stock units (in Shares)	162,968	147,105	124,746
(in Shares)	14,174,840	13,954,587	13,758,225
Earnings per share:
Basic (in Dollars per share)	$ 1.85	$ 1.67	$ 1.56
Diluted (in Dollars per share)	1.83	1.65	1.55
Cash dividends declared per share (in Dollars per share)	$ 0.78	$ 0.72	$ 0.68

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net income	$ 25,890	$ 23,014	$ 21,300
Other comprehensive income (loss):
Change in net unrealized holding gains on available-for-sale securities	(3,034)	18,046	(33,060)
Change in funded status of pension plan	(2,573)	(2,581)	8,057
Other comprehensive income (loss) before income taxes	(5,607)	15,465	(25,003)
Income tax expense (benefit)	(2,346)	6,342	(9,925)
Other comprehensive income (loss)	(3,261)	9,123	(15,078)
Comprehensive income	$ 22,629	$ 32,137	$ 6,222

Consolidated Statement of Chang

Consolidated Statement of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance, January 1, 2013 at Dec. 31, 2012	$ 900	$ 42,643	$ 145,087	$ 16,740	$ 205,370
Balance, January 1, 2013 (in Shares) at Dec. 31, 2012	9,001,686
Net income			21,300		21,300
Other comprehensive loss				(15,078)	(15,078)
Repurchase of common stock		(95)			(95)
Repurchase of common stock (in Shares)	(3,211)
Common stock issued under stock compensation plans, including tax benefit	$ 7	1,573			1,580
Common stock issued under stock compensation plans, including tax benefit (in Shares)	74,209
Common stock issued under dividend reinvestment and stock purchase plan	$ 7	2,160			2,167
Common stock issued under dividend reinvestment and stock purchase plan (in Shares)	69,083
Stock-based compensation		592			592
Cash dividends declared			(9,280)		(9,280)
Balance at Dec. 31, 2013	$ 914	46,873	157,107	1,662	206,556
Balance (in Shares) at Dec. 31, 2013	9,141,767
Net income			23,014		23,014
Other comprehensive loss				9,123	9,123
Repurchase of common stock	$ (1)	(285)			(286)
Repurchase of common stock (in Shares)	(9,243)
Common stock issued under stock compensation plans, including tax benefit	$ 8	1,193			1,201
Common stock issued under stock compensation plans, including tax benefit (in Shares)	74,671
Common stock issued under dividend reinvestment and stock purchase plan	$ 7	2,224			2,231
Common stock issued under dividend reinvestment and stock purchase plan (in Shares)	67,139
3-for-2 stock split	$ 461	(507)			(46)
3-for-2 stock split (in Shares)	4,612,800
Stock-based compensation		1,511			1,511
Cash dividends declared			(10,001)		(10,001)
Balance at Dec. 31, 2014	$ 1,389	51,009	170,120	10,785	233,303
Balance (in Shares) at Dec. 31, 2014	13,887,134
Net income			25,890		25,890
Other comprehensive loss				(3,261)	(3,261)
Repurchase of common stock	$ (1)	(286)			(287)
Repurchase of common stock (in Shares)	(12,227)
Common stock issued under stock compensation plans, including tax benefit	$ 9	1,034			1,043
Common stock issued under stock compensation plans, including tax benefit (in Shares)	88,981
Common stock issued under dividend reinvestment and stock purchase plan	$ 15	3,855			3,870
Common stock issued under dividend reinvestment and stock purchase plan (in Shares)	152,789
Stock-based compensation		1,319			1,319
Cash dividends declared			(10,941)		(10,941)
Balance at Dec. 31, 2015	$ 1,412	$ 56,931	$ 185,069	$ 7,524	$ 250,936
Balance (in Shares) at Dec. 31, 2015	14,116,677

Consolidated Statements of Cash

Consolidated Statements of Cash Flows $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Cash Flows From Operating Activities:
Net income	$ 25,890	$ 23,014	$ 21,300
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	4,317	3,189	2,997
Net gain on loans held-for-sale		(165)
Deferred income tax credit	(881)	(594)	(801)
Depreciation and amortization	3,013	2,855	2,824
Premium amortization on investment securities, net	4,632	6,435	8,664
Net gains on sales of securities	(1,324)	(141)	(16)
Net gain on sale of premises and equipment		(7)
Loss on extinguishment of debt	1,084	0
Stock-based compensation expense	1,319	1,511	592
Accretion of cash surrender value on bank-owned life insurance	(879)	(520)	(520)
Pension expense (credit)	(489)	(471)	425
(Increase) decrease in other assets	(229)	633	1,336
Increase (decrease) in accrued expenses and other liabilities	(1,117)	(155)	2,885
Net cash provided by operating activities	35,336	35,584	39,686
Proceeds from sales of investment securities:
Held-to-maturity	4,203	2,423	722
Available-for-sale	69,649	3,390	1,780
Proceeds from maturities and redemptions of investment securities:
Held-to-maturity	5,479	8,840	12,120
Available-for-sale	106,900	101,991	137,256
Purchase of investment securities:
Held-to-maturity	(2,005)	(814)	(689)
Available-for-sale	(146,661)	(83,159)	(148,193)
Proceeds from sales of loans, loans held-for-sale and other real estate owned	1,176	3,265	427
Net increase in loans to customers	(444,927)	(329,898)	(332,651)
Net increase in restricted stock	(5,131)	(3,435)	(6,765)
Purchases of bank premises and equipment, net	(5,489)	(6,246)	(3,016)
Proceeds from sales of premises and equipment		7
Purchase of bank-owned life insurance		(16,863)
Net cash used in investing activities	(416,806)	(320,499)	(339,009)
Cash Flows From Financing Activities:
Net increase in total deposits	299,650	202,897	149,052
Net increase in short-term borrowings	75,016	26,023	6,829
Proceeds from long-term debt	94,212	60,000	140,000
Repayment of long-term debt	(74,584)
Proceeds from issuance of common stock, net	3,870	2,185	2,167
Proceeds from exercise of stock options	707	1,055	1,418
Tax benefit of stock compensation plans	336	224	162
Repurchase and retirement of common stock	(287)	(286)	(95)
Cash dividends paid	(10,759)	(9,736)	(6,904)
Net cash provided by financing activities	388,161	282,362	292,629
Net increase (decrease) in cash and cash equivalents	6,691	(2,553)	(6,694)
Cash and cash equivalents, beginning of year	32,944	35,497	42,191
Cash and cash equivalents, end of year	39,635	32,944	35,497
Cash paid for:
Interest	18,361	15,683	10,905
Income taxes	8,065	6,200	6,325
Noncash investing and financing activities:
Cash dividends payable	2,823	2,642	2,376
Loans transferred from portfolio to other real estate owned and held-for-sale	$ 105	$ 2,200	$ 1,325

Note A - Summary of Significant

Note A - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]	NOTE A – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The consolidated financial statements include the accounts of The First of Long Island Corporation (“Corporation”) and its wholly-owned subsidiary, The First National Bank of Long Island (“Bank”), and subsidiaries wholly-owned by the Bank, either directly or indirectly: The First of Long Island Agency, Inc.; FNY Service Corp. (“FNY”); and The First of Long Island REIT, Inc. (“REIT”). The Corporation’s financial condition and operating results principally reflect those of the Bank and its subsidiaries. The consolidated entity is referred to as the “Corporation,” and the Bank and its subsidiaries are collectively referred to as the “Bank.” All intercompany balances and amounts have been eliminated. In preparing the consolidated financial statements, management is required to make estimates, such as the allowance for loan losses, and assumptions that affect the reported asset and liability balances, revenue and expense amounts, and the disclosure of contingent assets and liabilities. Actual results could differ significantly from those estimates. The accounting and reporting policies of the Corporation reflect banking industry practice and conform to generally accepted accounting principles in the United States. The following is a summary of the Corporation’s significant accounting policies. Cash and Cash Equivalents Cash and cash equivalents include cash and deposits with other financial institutions that generally mature within 90 days. Investment Securities Current accounting standards require that investment securities be classified as held-to-maturity, available-for-sale or trading. The trading category is not applicable to any securities in the Bank's portfolio because the Bank does not buy or hold debt or equity securities principally for the purpose of selling in the near term. Held-to-maturity securities, or debt securities which the Bank has the intent and ability to hold to maturity, are reported at amortized cost. Available-for-sale securities, or debt and equity securities which are neither held-to-maturity securities nor trading securities, are reported at fair value, with unrealized gains and losses, net of the related income tax effect, included in other comprehensive income. Interest income includes amortization or accretion of purchase premium or discount. Premiums and discounts on securities are amortized or accreted on the level-yield method. Prepayments are anticipated for mortgage-backed securities. Premiums on municipal securities are amortized to the earlier of the stated maturity date or the first call date, while discounts on municipal securities are accreted to the stated maturity date. Realized gains and losses on the sale of securities are determined using the specific identification method. Investment securities are evaluated for other-than-temporary impairment (“OTTI”) no less often than quarterly. In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost; (2) the financial condition and near-term prospects of the issuer; (3) whether the market decline was affected by macroeconomic conditions; and (4) whether management has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When OTTI occurs, management considers whether it intends to sell, or, more likely than not, will be required to sell a security in an unrealized loss position before recovery of its amortized cost basis. If either of these criteria is met, the entire difference between amortized cost and fair value is recognized in earnings. For securities that do not meet the aforementioned 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. Loans Held for Sale Loans held for sale are carried at the lower of cost or fair value. Any subsequent declines in fair value below the initial carrying value are recorded as a valuation allowance established through a charge to noninterest income. Loans and Allowance for Loan Losses Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding principal balance less any chargeoffs and the allowance for loan losses and plus or minus net deferred loan costs and fees, respectively. Interest on loans is credited to income based on the principal amount outstanding. Direct loan origination costs, net of loan origination fees, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. The past due status of a loan is based on the contractual terms in the loan agreement. Unless a loan is well secured and in the process of collection, the accrual of interest income is discontinued when a loan becomes 90 days past due as to principal or interest payments. The accrual of interest income on a loan is also discontinued when it is determined that the borrower will not be able to make principal and interest payments according to the contractual terms of the current loan agreement. When the accrual of interest income is discontinued on a loan, any accrued but unpaid interest is reversed against current period income. Interest received on nonaccrual loans is accounted for on the cash basis or cost-recovery method until the loans qualify for return to an accrual status. Return to an accrual status occurs when all the principal and interest amounts contractually due are brought current and all future payments are reasonably assured. The allowance for loan losses is established through provisions for loan losses charged against income. When available information confirms that specific loans, or portions thereof, are uncollectible, these amounts are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is an amount that management currently believes will be adequate to absorb probable incurred losses in the Bank’s loan portfolio. The process for estimating credit losses and determining the allowance for loan losses as of any balance sheet date is subjective in nature and requires material estimates. Actual results could differ significantly from those estimates. The allowance for loan losses is comprised of specific reserves allocated to individually impaired loans plus estimated losses on pools of loans that are collectively reviewed. Although the allowance for loan losses has two separate components, one for impairment losses on individual loans and one for collective impairment losses on pools of loans, the entire allowance for loan losses is available to absorb realized losses as they occur whether they relate to individual loans or pools of loans. Estimated losses for loans individually deemed to be impaired are based on either the fair value of collateral or the discounted value of expected future cash flows. For all collateral dependent impaired loans, impairment losses are measured based on the fair value of the collateral. A loan is considered to be impaired when, based on current information and events, it is probable that the Bank will be unable to collect the scheduled principal and interest when due according to the contractual terms of the current loan agreement. Loans that experience insignificant payment delays and payment shortfalls are not automatically considered to be impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and financial condition and the amount of the shortfall in relation to the principal and interest owed. In estimating the fair value of real estate collateral, management utilizes appraisals or evaluations adjusted for costs to dispose and a distressed sale adjustment, if needed. In addition to estimating losses for loans individually deemed to be impaired, management also estimates collective impairment losses for pools of loans that are not specifically reviewed. Loan pools include: commercial and industrial loans; small business credit scored loans; owner-occupied commercial mortgages; multifamily commercial mortgages; other commercial mortgages; construction and land development loans; first-lien residential mortgages; junior-lien residential mortgages; first-lien home equity lines; junior-lien home equity lines; and consumer loans. The Bank’s highest average annualized loss experience over periods of 24, 36, 48 or 60 months is generally the starting point in determining its allowance for loan losses for each pool of loans. Management believes that this approach appropriately reflects losses from the current economic cycle and those incurred losses in the Bank’s loan portfolio. However, since future losses could vary significantly from those experienced in the past, on a quarterly basis management adjusts its historical loss experience to reflect current conditions. In doing so, management considers a variety of general qualitative factors and then subjectively determines the weight to assign to each in estimating losses. The factors include, among others: (1) delinquencies, (2) economic conditions as judged by things such as median home prices and commercial vacancy rates in the Bank’s service area and national and local unemployment levels, (3) trends in the nature and volume of loans, (4) concentrations of credit, (5) changes in lending policies and procedures, (6) experience, ability and depth of lending staff, (7) changes in the quality of the loan review function, (8) environmental risks, and (9) loan risk ratings. Substantially all of the Bank’s allowance for loan losses allocable to pools of loans that are collectively evaluated for impairment results from these qualitative adjustments to historical loss experience. Because of the nature of the qualitative factors and the difficulty in assessing their impact, management’s resulting estimate of losses may not accurately reflect actual losses in the portfolio. Troubled debt restructurings are by definition impaired loans and are generally reported at the present value of estimated future cash flows using the loan’s effective rate at inception. However, if a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported at the fair value of the collateral. 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 the Corporation, 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 the Corporation does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity. Bank Premises and Equipment Land is carried at cost. Other bank premises and equipment are carried at cost, less accumulated depreciation and amortization. Buildings are depreciated using the straight-line method over their estimated useful lives, which range from thirty-one to forty years. Building and leasehold improvements are depreciated using the straight-line method over the remaining lives of the buildings or leases, as applicable, or their estimated useful lives, whichever is shorter. The lives of the respective leases range from five to twenty years. Furniture, fixtures and equipment are depreciated using the straight-line method over their estimated useful lives, which range from three to ten years. Land and building held-for-sale is included in Other Assets on the Corporation’s consolidated balance sheet and carried at the lower of cost or fair value. Bank-owned Life Insurance The Bank is the owner and beneficiary of insurance policies on the lives of certain officers. Bank-owned life insurance (“BOLI”) is recorded at the amount that can be realized under the contract at the balance sheet date, which is the cash surrender value adjusted for other charges or amounts due that are probable at settlement. Restricted Stock The Bank is a member of and owns stock in the Federal Home Loan Bank of New York (“FHLB of New York”) and the Federal Reserve Bank of New York (“FRB”). The FHLB of New York requires member banks to own stock, the amount of which is based on membership and the level of FHLB of New York advances. These stocks do not have a readily determinable fair value, are carried at cost, classified as restricted stock and periodically evaluated for impairment based on the prospects for the ultimate recovery of cost. Cash dividends, if any, are reported as interest income on taxable investment securities. Long-term Assets Premises and equipment, intangible assets, BOLI and other long-term assets, if any, are reviewed for impairment when events indicate that their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value. Loan Commitments and Related Financial Instruments Financial instruments include off balance sheet credit instruments, such as commitments to make loans, commercial letters of credit and standby letters of credit. The face amount of these items represents the exposure to loss, before considering customer collateral or ability to repay. The Bank maintains a reserve for losses on off-balance-sheet credit exposures which is included in accrued expense and other liabilities on the consolidated balance sheet. Off-balance-sheet credit instruments are recorded on the balance sheet when they are funded or drawn down. Checking Deposits Each of the Bank’s commercial checking accounts has a related noninterest-bearing sweep account. The sole purpose of the sweep accounts is to reduce the reserve balances that the Bank is required to maintain with the FRB, and thereby increase funds available for investment. Although the sweep accounts are classified as savings accounts for regulatory purposes, they are included in checking deposits in the accompanying consolidated balance sheets. Income Taxes A current tax liability or asset is recognized for the estimated taxes payable or refundable on tax returns for the current year. A deferred tax liability or asset is recognized for the estimated future tax effects attributable to temporary differences and carryforwards. The measurement of deferred tax assets is reduced, if necessary, by the amount of any tax benefits that, based on available evidence, are not expected to be realized. The measurement of current and deferred tax liabilities and assets is based on provisions of the enacted tax law. The effects of future changes in tax laws or rates are not considered. The Corporation recognizes interest and/or penalties related to income tax matters in noninterest income or noninterest expense as appropriate. Retirement Plans Pension expense is the sum of service cost, interest cost, amortization of prior service costs and actuarial gains and losses and plan expenses, net of the expected return on plan assets and participant contributions. Employee 401(k) plan expense is equal to the amount of matching contributions. Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Stockholders’ Equity Earnings Per Share . Shares Tendered Upon the Exercise of Stock Options and Withheld Upon the Vesting of RSUs . Stock Split. Stock-based Compensation The Corporation’s stock-based compensation plans are described in Note J. Compensation cost is determined for stock options and RSUs issued to employees and non-employee directors based on the grant date fair value of the award. The cost is recognized over the period during which a participant is required to provide service in exchange for the award, which is usually the vesting period. For stock options, compensation expense is recognized ratably over the five-year vesting period or the period from the grant date to the participant’s eligible retirement date, whichever is shorter. Compensation expense for performance-based RSUs is recognized over a three-year performance period and adjusted periodically to reflect the estimated number of shares of the Corporation’s common stock into which the RSUs will ultimately be convertible. However, if the period between the grant date and a participant’s eligible retirement date is less than three years and the RSUs immediately vest in the event of retirement, compensation expense is recognized ratably over this shorter period without regard to performance. Compensation expense for service-based RSUs is recognized over the applicable service-based vesting periods. Compensation expense of $358,000 for RSUs awarded in 2014 with immediate vesting was recognized in full on the grant date. In determining compensation expense for stock options and RSUs outstanding and not yet vested, the Corporation assumes, based on prior experience that no forfeitures will occur. Comprehensive Income Comprehensive income includes net income and other comprehensive income. Other comprehensive income includes revenues, expenses, gains and losses that under generally accepted accounting principles are included in comprehensive income but excluded from net income. Other comprehensive income for the Corporation consists of net unrealized holding gains or losses on available-for-sale securities and changes in the funded status of the Bank’s defined benefit pension plan, both net of related income taxes. Accumulated other comprehensive income is recognized as a separate component of stockholders’ equity. The components of other comprehensive income (loss) and the related tax effects are as follows: 2015 2014 2013 (in thousands) Change in net unrealized holding gains on available-for-sale securities: Change arising during the period $ (1,851 ) $ 18,068 $ (33,061 ) Reclassification adjustment for (gains) losses included in net income (1) (1,183 ) (22 ) 1 Change in net unrealized holding gains on available-for-sale securities (3,034 ) 18,046 (33,060 ) Tax effect (1,249 ) 7,369 (13,123 ) (1,785 ) 10,677 (19,937 ) Change in funded status of pension plan: Unrecognized net gain (loss) arising during the period (2,573 ) (2,597 ) 7,403 Amortization of prior service cost included in pension expense (2) - 16 23 Amortization of net actuarial loss included in pension expense (2) - - 631 (2,573 ) (2,581 ) 8,057 Tax effect (1,097 ) (1,027 ) 3,198 (1,476 ) (1,554 ) 4,859 Other comprehensive income (loss) $ (3,261 ) $ 9,123 $ (15,078 ) (1) Reclassification adjustment represents net realized gains or losses arising from the sale of available-for-sale securities. These net realized gains or losses are included in the consolidated statements of income in the line item, “Net gains on sales of securities.” See “Note B – Investment Securities” for the income tax expense (benefit) related to these net realized gains or losses. (2) Represents the amortization into expense of prior service cost and net actuarial loss relating to the Corporation’s defined benefit pension plan. These items are included in net periodic pension cost (see “Note K – Retirement Plans”) and in the consolidated statements of income in the line item, “Employee benefits.” The income tax expense relating to these costs is included in the consolidated statements of income in the line item, “Income tax expense.” The following sets forth the components of accumulated other comprehensive income, net of tax: Balance 12/31/14 Current Period Change Balance 12/31/15 (in thousands) Unrealized holding gains on available-for-sale securities $ 13,460 $ (1,785 ) $ 11,675 Unrealized actuarial losses on pension plan (2,675 ) (1,476 ) (4,151 ) Total accumulated other comprehensive income, net of tax $ 10,785 $ (3,261 ) $ 7,524 Operating Segments While senior management monitors the revenue streams of the Bank’s various products and services, the identifiable segments are not material and operations are managed and financial performance is evaluated on a company-wide basis. Accordingly, all of the financial operations of the Bank are aggregated in one reportable operating segment. Investment Management Division Assets held in a fiduciary capacity are not assets of the Corporation and, accordingly, are not included in the accompanying consolidated financial statements. The Investment Management Division records fees on the accrual basis. Reclassifications When appropriate, items in the prior year financial statements are reclassified to conform to the current period presentation. Adoption of New Accounting Standards In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-04 “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.” The amendments in ASU 2014-04 are intended to reduce diversity in practice by clarifying when an in-substance repossession or foreclosure occurs, that is, when a creditor such as the Bank should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized. Additionally, the amendments in ASU 2014-04 require interim and annual disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. For public entities such as the Corporation, the amendments were effective for interim and annual reporting periods beginning after December 15, 2014. Early adoption in 2014 was permitted. The adoption of ASU 2014-04 on January 1, 2015 did not have a material impact on the Corporation’s financial position, results of operations or disclosures. In June 2014, the FASB issued ASU 2014-11 “Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.” The amendments in ASU 2014-11 change the accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting. The amendments also require new disclosures about certain transfers of financial assets and the types of collateral pledged in repurchase agreements and similar transactions. For public entities such as the Corporation, the amendments were generally effective for interim and annual reporting periods beginning after December 15, 2014. Early adoption for public entities was prohibited. The adoption of ASU 2014-11 on January 1, 2015 did not have a material impact on the Corporation’s financial position, results of operations or disclosures. Impact of Issued But Not Yet Effective Accounting Standards The pronouncements discussed in this section are not intended to be an all-inclusive list, but rather only those pronouncements that could potentially have an impact on the Corporation’s financial position, results of operations or disclosures. In May 2014, the FASB issued ASU 2014-09 “Revenue from Contracts with Customers.” The amendments in ASU 2014-09 are intended to improve financial reporting by providing a comprehensive framework for addressing revenue recognition issues that can be applied to all contracts with customers regardless of industry-specific or transaction-specific fact patterns. While the guidance in ASU 2014-09 supersedes most existing industry-specific revenue recognition accounting guidance, much of a bank’s revenue comes from financial instruments such as debt securities and loans that are scoped-out of the guidance. The amendments also include improved disclosures to enable users of financial statements to better understand the nature, amount, timing and uncertainty of revenue that is recognized. For public entities such as the Corporation, ASU 2014-09, as amended, is effective for interim and annual reporting periods beginning after December 15, 2017. Early adoption is permitted for interim and annual reporting periods beginning after December 15, 2016. Management is currently evaluating the impact that the amendments in ASU 2014-09 could have on the Corporation’s financial position, results of operations and disclosures, but does not currently believe that such impact will be material. In June 2014, the FASB issued ASU 2014-12 “Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period.” ASU 2014-12 provides guidance on the accounting for share-based payments in which the terms of an award provide that an employee can cease rendering service before the end of the period in which a performance target could be achieved and still be eligible to vest in the award if and when the performance target is achieved. The amendments in ASU 2014-12 are effective for interim and annual reporting periods beginning after December 15, 2015. Early adoption is permitted. ASU 2014-12 is not expected to have a material impact on the Corporation’s financial position, results of operations or disclosures. In January 2016, the FASB issued ASU 2016-01 “Financial Instruments – Overall.” The amendments in ASU 2016-01 are intended to improve the recognition, measurement, presentation and disclosure of financial assets and liabilities to provide users of financial statements with information that is more useful for decision-making purposes. Among other changes, ASU 2016-01 would require equity securities to be measured at fair value with changes in fair value recognized through net income, but would allow equity securities that do not have readily determinable fair values to be remeasured at fair value either upon the occurrence of an observable price change or upon identification of an impairment. The amendments would simplify the impairment assessment of such equity securities and would require enhanced disclosure about these investments. ASU 2016-01 would also require separate presentation of financial assets and liabilities by measurement category and type of instrument, such as securities or loans, on the balance sheet or in the notes, and would eliminate certain other disclosures relating to the methods and assumptions used to estimate fair value. For public entities such as the Corporation, the amendments in ASU 2016-01 are effective for interim and annual reporting periods beginning after December 15, 2017. Early adoption is not permitted. ASU 2016-01 is not expected to have a material impact on the Corporation’s financial position, results of operations or disclosures. In February 2016, the FASB issued ASU 2016-02 “Leases.” ASU 2016-02 affects any entity that enters into a lease and is intended to increase the transparency and comparability of financial statements among organizations. The ASU requires, among other changes, a lessee to recognize on its balance sheet a lease asset and a lease liability for those leases previously classified as operating leases. The lease asset would represent the right to use the underlying asset for the lease term and the lease liability would represent the discounted value of the required lease payments to the lessor. The ASU would also require entities to disclose key information about leasing arrangements. ASU 2016-02 is effective for interim and annual reporting periods beginning after December 15, 2018. Early adoption is permitted. Management is currently evaluating the impact that ASU 2016-02 will have on the Corporation’s financial position, results of operations and disclosures.

Note B - Investment Securities

Note B - Investment Securities	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE B – INVESTMENT SECURITIES The following tables set forth the amortized cost and estimated fair values of the Bank’s investment securities at December 31, 2015 and 2014. 2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) Held-to-Maturity Securities: State and municipals $ 12,922 $ 410 $ - $ 13,332 Pass-through mortgage securities 576 67 - 643 Collateralized mortgage obligations 873 62 - 935 $ 14,371 $ 539 $ - $ 14,910 Available-for-Sale Securities: State and municipals $ 416,957 $ 18,892 $ (156 ) $ 435,693 Pass-through mortgage securities 148,402 810 (1,947 ) 147,265 Collateralized mortgage obligations 152,712 2,720 (690 ) 154,742 $ 718,071 $ 22,422 $ (2,793 ) $ 737,700 2014 Held-to-Maturity Securities: State and municipals $ 19,836 $ 843 $ - $ 20,679 Pass-through mortgage securities 856 110 - 966 Collateralized mortgage obligations 1,141 84 - 1,225 $ 21,833 $ 1,037 $ - $ 22,870 Available-for-Sale Securities: State and municipals $ 393,637 $ 18,612 $ (452 ) $ 411,797 Pass-through mortgage securities 130,966 1,421 (1,206 ) 131,181 Collateralized mortgage obligations 226,879 4,847 (559 ) 231,167 $ 751,482 $ 24,880 $ (2,217 ) $ 774,145 At December 31, 2015 and 2014, investment securities with a carrying value of $405,769,000 and $369,951,000, respectively, were pledged as collateral to secure public deposits and borrowed funds. There were no holdings of securities of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders’ equity at December 31, 2015 and 2014. Securities With Unrealized Losses . 2015 Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss (in thousands) State and municipals $ 13,148 $ (78 ) $ 5,837 $ (78 ) $ 18,985 $ (156 ) Pass-through mortgage securities 98,504 (1,348 ) 27,365 (599 ) 125,869 (1,947 ) Collateralized mortgage obligations 39,133 (305 ) 12,743 (385 ) 51,876 (690 ) Total temporarily impaired $ 150,785 $ (1,731 ) $ 45,945 $ (1,062 ) $ 196,730 $ (2,793 ) 2014 State and municipals $ 19,386 $ (145 ) $ 21,198 $ (307 ) $ 40,584 $ (452 ) Pass-through mortgage securities - - 100,556 (1,206 ) 100,556 (1,206 ) Collateralized mortgage obligations 15,420 (84 ) 17,227 (475 ) 32,647 (559 ) Total temporarily impaired $ 34,806 $ (229 ) $ 138,981 $ (1,988 ) $ 173,787 $ (2,217 ) Because the unrealized losses reflected in the preceding tables are deemed by management to be attributable to changes in interest rates and not credit losses, and because management does not have the intent to sell these securities and it is not more likely than not that it will be required to sell these securities before their anticipated recovery, the Bank does not consider these securities to be other-than-temporarily impaired at December 31, 2015. Sales of Available-for-Sale Securities . 2015 2014 2013 (in thousands) Proceeds $ 69,649 $ 3,390 $ 1,780 Gains $ 1,560 $ 42 $ 48 Losses (377 ) (20 ) (49 ) Net gain (loss) $ 1,183 $ 22 $ (1 ) The income tax expense (benefit) related to these net realized gains (losses) was $487,000, $9,000 and $(0) in 2015, 2014 and 2013, respectively, and is included in the consolidated statements of income in the line item, “Income tax expense.” Sales of Held-to-Maturity Securities . During 2014, the Bank sold municipal and mortgage-backed securities that were classified as held-to-maturity securities. The sales of municipal securities were in response to a significant deterioration in the creditworthiness of the issuers. The sales of mortgage-backed securities occurred after the Bank had collected at least 85% of the principal balance outstanding at acquisition of each security. The securities sold had a carrying value of $2,304,000 at the time of sale and the Bank realized a gain upon sale of $119,000. During 2013, the Bank sold municipal securities that were classified as held-to-maturity securities. These sales were in response to a significant deterioration in the creditworthiness of the issuers. The securities sold had a carrying value of $705,000 at the time of sale and the Bank realized a gain upon sale of $17,000. Maturities . Amortized Cost Fair Value (in thousands) Held-to-Maturity Securities: Within one year $ 3,407 $ 3,419 After 1 through 5 years 6,714 6,998 After 5 through 10 years 2,237 2,329 After 10 years 564 586 Mortgage-backed securities 1,449 1,578 $ 14,371 $ 14,910 Available-for-Sale Securities: Within one year $ 10,374 $ 10,565 After 1 through 5 years 34,279 35,334 After 5 through 10 years 157,126 163,520 After 10 years 215,178 226,274 Mortgage-backed securities 301,114 302,007 $ 718,071 $ 737,700

Note C - Loans

Note C - Loans	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE C – LOANS The following tables set forth by class of loans as of December 31, 2015, 2014 and 2013 the amount of loans individually and collectively evaluated for impairment and the portion of the allowance for loan losses allocable to such loans. December 31, 2015 Loans Allowance for Loan Losses Individually Evaluated for Impairment Collectively Evaluated for Impairment Ending Balance Individually Evaluated for Impairment Collectively Evaluated for Impairment Ending Balance (in thousands) Commercial and industrial $ - $ 93,056 $ 93,056 $ - $ 928 $ 928 Commercial mortgages: Multifamily - 572,322 572,322 - 6,858 6,858 Other - 348,909 348,909 - 3,674 3,674 Owner-occupied 594 114,506 115,100 - 1,047 1,047 Residential mortgages: Closed end 3,797 1,021,418 1,025,215 428 13,211 13,639 Revolving home equity 522 87,326 87,848 - 1,016 1,016 Consumer and other - 5,733 5,733 - 94 94 $ 4,913 $ 2,243,270 $ 2,248,183 $ 428 $ 26,828 $ 27,256 December 31, 2014 Commercial and industrial $ 16 $ 77,124 $ 77,140 $ - $ 838 $ 838 Commercial mortgages: Multifamily 303 528,790 529,093 - 7,207 7,207 Other - 222,537 222,537 - 2,340 2,340 Owner-occupied 630 106,715 107,345 - 1,023 1,023 Residential mortgages: Closed end 1,083 778,911 779,994 60 10,539 10,599 Revolving home equity 376 82,733 83,109 - 1,121 1,121 Consumer and other - 5,601 5,601 - 93 93 $ 2,408 $ 1,802,411 $ 1,804,819 $ 60 $ 23,161 $ 23,221 December 31, 2013 Commercial and industrial $ 34 $ 71,784 $ 71,818 $ 1 $ 807 $ 808 Commercial mortgages: Multifamily 347 469,139 469,486 - 7,348 7,348 Other 3,037 159,837 162,874 - 1,501 1,501 Owner-occupied 657 82,994 83,651 127 1,064 1,191 Residential mortgages: Closed end 1,539 603,804 605,343 149 8,458 8,607 Revolving home equity 211 77,370 77,581 - 1,240 1,240 Consumer and other - 7,184 7,184 - 153 153 $ 5,825 $ 1,472,112 $ 1,477,937 $ 277 $ 20,571 $ 20,848 The following tables present the activity in the allowance for loan losses for the years ended December 31, 2015, 2014 and 2013. Balance at 1/1/15 Chargeoffs Recoveries Provision for Loan Losses (Credit) Balance at 12/31/15 (in thousands) Commercial and industrial $ 838 $ 166 $ 7 $ 249 $ 928 Commercial mortgages: Multifamily 7,207 91 27 (285 ) 6,858 Other 2,340 1 39 1,296 3,674 Owner-occupied 1,023 - - 24 1,047 Residential mortgages: Closed end 10,599 7 9 3,038 13,639 Revolving home equity 1,121 67 5 (43 ) 1,016 Consumer and other 93 37 - 38 94 $ 23,221 $ 369 $ 87 $ 4,317 $ 27,256 Balance at 1/1/14 Chargeoffs Recoveries Provision for Loan Losses (Credit) Balance at 12/31/14 (in thousands) Commercial and industrial $ 808 $ 96 $ 2 $ 124 $ 838 Commercial mortgages: Multifamily 7,348 - - (141 ) 7,207 Other 1,501 37 - 876 2,340 Owner-occupied 1,191 400 - 232 1,023 Residential mortgages: Closed end 8,607 121 3 2,110 10,599 Revolving home equity 1,240 173 4 50 1,121 Consumer and other 153 7 9 (62 ) 93 $ 20,848 $ 834 $ 18 $ 3,189 $ 23,221 Balance at 1/1/13 Chargeoffs Recoveries Provision for Loan Losses (Credit) Balance at 12/31/13 Commercial and industrial $ 834 $ - $ 19 $ (45 ) $ 808 Commercial mortgages: Multifamily 5,342 - - 2,006 7,348 Other 1,978 - 113 (590 ) 1,501 Owner-occupied 1,163 - - 28 1,191 Residential mortgages: Closed end 7,729 914 13 1,779 8,607 Revolving home equity 1,453 - - (213 ) 1,240 Consumer and other 125 18 14 32 153 $ 18,624 $ 932 $ 159 $ 2,997 $ 20,848 For individually impaired loans, the following tables set forth by class of loans at December 31, 2015, 2014 and 2013 the recorded investment, unpaid principal balance and related allowance. The tables also set forth the average recorded investment of individually impaired loans and interest income recognized while the loans were impaired during the years ended December 31, 2015, 2014 and 2013. The recorded investment is the unpaid principal balance of the loans less any interest payments applied to principal and any direct chargeoffs plus or minus net deferred loan costs and fees. Any principal and interest payments received on nonaccrual impaired loans are applied to the recorded investment in the loans. The Bank recognizes interest income on other impaired loans using the accrual method of accounting. 2015 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized (in thousands) With no related allowance recorded: Commercial mortgages - owner-occupied $ 594 $ 654 $ - $ 612 $ - Residential mortgages: Closed end 306 405 - 530 - Revolving home equity 522 521 - 525 6 With an allowance recorded: Residential mortgages - closed end 3,491 3,494 428 3,555 89 Total: Commercial mortgages - owner-occupied 594 654 - 612 - Residential mortgages: Closed end 3,797 3,899 428 4,085 89 Revolving home equity 522 521 - 525 6 $ 4,913 $ 5,074 $ 428 $ 5,222 $ 95 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized (in thousands) With no related allowance recorded: Commercial and industrial $ 16 $ 16 $ - $ 25 $ 2 Commercial mortgages: Multifamily 303 368 - 321 - Owner-occupied 630 663 - 641 - Residential mortgages: Closed end 216 270 - 230 - Revolving home equity 376 372 - 376 - With an allowance recorded: Residential mortgages - closed end 867 893 60 891 27 Total: Commercial and industrial 16 16 - 25 2 Commercial mortgages: Multifamily 303 368 - 321 - Owner-occupied 630 663 - 641 - Residential mortgages: Closed end 1,083 1,163 60 1,121 27 Revolving home equity 376 372 - 376 - $ 2,408 $ 2,582 $ 60 $ 2,484 $ 29 2013 With no related allowance recorded: Commercial mortgages: Multifamily $ 347 $ 400 $ - $ 361 $ - Other 3,037 3,084 - 3,081 101 Residential mortgages: Closed end 580 617 - 594 6 Revolving home equity 211 213 - 211 - With an allowance recorded: Commercial and industrial 34 34 1 41 2 Commercial mortgages - owner-occupied 657 666 127 661 - Residential mortgages - closed end 959 969 149 997 22 Total: Commercial and industrial 34 34 1 41 2 Commercial mortgages: Multifamily 347 400 - 361 - Other 3,037 3,084 - 3,081 101 Owner-occupied 657 666 127 661 - Residential mortgages: Closed end 1,539 1,586 149 1,591 28 Revolving home equity 211 213 - 211 - $ 5,825 $ 5,983 $ 277 $ 5,946 $ 131 Aging of Loans . The following tables present the aging of the recorded investment in loans by class of loans. December 31, 2015 30-59 Days Past Due 60-89 Days Past Due Past Due 90 Days or More and Still Accruing Nonaccrual Loans Total Past Due Loans and Nonaccrual Loans Current Total Loans (in thousands) Commercial and industrial $ - $ - $ - $ - $ - $ 93,056 $ 93,056 Commercial mortgages: Multifamily - - - - - 572,322 572,322 Other - - - - - 348,909 348,909 Owner-occupied - - - 594 594 114,506 115,100 Residential mortgages: Closed end 991 - - 456 1,447 1,023,768 1,025,215 Revolving home equity - - - 280 280 87,568 87,848 Consumer and other 12 - - - 12 5,721 5,733 $ 1,003 $ - $ - $ 1,330 $ 2,333 $ 2,245,850 $ 2,248,183 December 31, 2014 Commercial and industrial $ - $ - $ - $ - $ - $ 77,140 $ 77,140 Commercial mortgages: Multifamily 954 - - 303 1,257 527,836 529,093 Other - - - - - 222,537 222,537 Owner-occupied - - - 630 630 106,715 107,345 Residential mortgages: Closed end 1,059 - - 395 1,454 778,540 779,994 Revolving home equity 74 99 - 376 549 82,560 83,109 Consumer and other - - - - - 5,601 5,601 $ 2,087 $ 99 $ - $ 1,704 $ 3,890 $ 1,800,929 $ 1,804,819 There were no loans in the process of foreclosure at December 31, 2015 or 2014. The Bank did not hold any foreclosed residential real estate property at December 31, 2015 or 2014. Troubled Debt Restructurings . The following table presents information about loans modified in troubled debt restructurings during the years ended December 31, 2015 and 2013. The Bank did not modify any loans in troubled debt restructurings during 2014. Outstanding Recorded Investment Interest Rates Number of Loans Pre- Modification Post- Modification Pre- Modification Post- Modification (in thousands) 2015: Residential mortgages: Closed end 1 $ 2,713 $ 2,713 5.25% 4.00% Revolving home equity 1 245 245 5.25% 4.00% 2 $ 2,958 $ 2,958 2013: Commercial mortgages - owner-occupied 2 $ 658 $ 658 5.00% and 5.75% 2.50% Residential mortgages - closed end 2 259 259 3.25% and 6.50% 3.75% 4 $ 917 $ 917 The post-modification interest rates in the table above were lower than the current market rate for new debt with similar risk. The 2015 restructurings involved two loans to a single borrower and resulted in a charge to the provision for loan losses at the time of restructuring of $332,000. The 2013 restructured loans resulted in a charge to the provision for loan losses of $164,000 during 2013. There were no chargeoffs at the time of restructuring on the restructured loans included in the table above. At December 31, 2015, 2014 and 2013, the Bank had an allowance for loan losses of $395,000, $60,000 and $208,000, respectively, allocated to specific troubled debt restructurings. The Bank had no commitments to lend additional amounts to loans that were classified as troubled debt restructurings. There were no troubled debt restructurings for which there was a payment default during 2015 or 2013 that were modified during the twelve-month period prior to default. There were two troubled debt restructurings for which there were payment defaults during 2014 that were modified during the twelve-month period prior to default. The restructured loans were owner-occupied commercial mortgage loans with an aggregate outstanding recorded investment of $630,000 at December 31, 2014 and no specifically allocated allowance for loan losses. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. Loan Held-for-Sale . Risk Characteristics . Credit Quality Indicators . Commercial and industrial loans and commercial mortgage loans are risk rated utilizing a ten point rating system. The ten point risk rating system is described hereinafter. Internally Assigned Risk Rating 1 – 2 Cash flow is of high quality and stable. Borrower has very good liquidity and ready access to traditional sources of credit. This category also includes loans to borrowers secured by cash and/or marketable securities within approved margin requirements. 3 – 4 Cash flow quality is strong, but shows some variability. Borrower has good liquidity and asset quality. Borrower has access to traditional sources of credit with minimal restrictions. 5 – 6 Cash flow quality is acceptable but shows some variability. Liquidity varies with operating cycle and assets provide an adequate margin of protection. Borrower has access to traditional sources of credit, but generally on a secured basis. 7 Watch - Cash flow has a high degree of variability and subject to economic downturns. Liquidity is strained and the ability of the borrower to access traditional sources of credit is diminished. 8 Special Mention - The borrower has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or in the Bank’s credit position at some future date. Special mention assets are not adversely classified and do not expose the Bank to risk sufficient to warrant adverse classification. 9 Substandard - Loans are inadequately protected by the current sound worth and paying capacity of the borrower or the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. 10 Doubtful - Loans have all the inherent weaknesses of those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Risk ratings on commercial and industrial loans and commercial mortgages are initially assigned by the lending officer together with any necessary approval authority. The ratings are periodically reviewed and evaluated based upon borrower contact, credit department review or independent loan review. The Bank's loan risk rating and review policy establishes requirements for the annual review of commercial real estate and commercial and industrial loans. The requirements include details of the scope of coverage and selection process based on loan-type and risk rating. Among other requirements, at least 60% of the recorded investment of commercial real estate loans as of December 31 of the prior year must be reviewed annually. The frequency of the review of other loans is determined by the Bank’s ongoing assessments of the borrower’s condition. Residential mortgage loans, revolving home equity lines, other consumer loans and small business credit scored loans are risk rated utilizing a three point rating system. In most cases, the borrower’s credit score dictates the risk rating. However, regardless of credit score, loans that are on management’s watch list or have been criticized or classified by management are assigned a risk rating of 3. A credit score is a tool used in the Bank’s loan approval process, and a minimum score of 680 is generally required for new loans. Credit scores for each borrower are updated at least annually. The risk ratings along with their definitions are as follows: Internally Assigned Risk Rating 1 Credit score is equal to or greater than 680. 2 Credit score is 635 to 679. 3 Credit score is below 635 or, regardless of credit score, the loan has been classified, criticized or placed on watch. The following tables present the recorded investment in commercial and industrial loans and commercial real estate loans by class of loans and risk rating. Loans shown as Pass are all loans other than those risk rated Watch, Special Mention, Substandard or Doubtful. December 31, 2015 Internally Assigned Risk Rating Pass Watch Special Mention Substandard Doubtful Total (in thousands) Commercial and industrial $ 91,950 $ 1,106 $ - $ - $ - $ 93,056 Commercial mortgages: Multifamily 567,467 - 4,855 - - 572,322 Other 346,419 900 - 1,590 - 348,909 Owner-occupied 110,641 3,865 - 594 - 115,100 $ 1,116,477 $ 5,871 $ 4,855 $ 2,184 $ - $ 1,129,387 December 31, 2014 Commercial and industrial $ 76,884 $ 65 $ - $ 191 $ - $ 77,140 Commercial mortgages: Multifamily 519,274 7,610 1,906 303 - 529,093 Other 219,997 900 - 1,640 - 222,537 Owner-occupied 106,443 - - 902 - 107,345 $ 922,598 $ 8,575 $ 1,906 $ 3,036 $ - $ 936,115 The following tables present the recorded investment in residential mortgage loans, home equity lines and other consumer loans by class of loans and risk rating. Loans shown as Pass are all loans other than those risk rated Watch, Special Mention, Substandard or Doubtful. December 31, 2015 Internally Assigned Risk Rating Pass Watch Special Mention Substandard Doubtful Total (in thousands) Residential mortgages: Closed end $ 1,020,393 $ 1,025 $ - $ 3,797 $ - $ 1,025,215 Revolving home equity 87,326 - - 522 - 87,848 Consumer and other 5,443 - - - - 5,443 $ 1,113,162 $ 1,025 $ - $ 4,319 $ - $ 1,118,506 December 31, 2014 Residential mortgages: Closed end $ 777,846 $ 1,066 $ - $ 1,082 $ - $ 779,994 Revolving home equity 82,730 99 - 280 - 83,109 Consumer and other 5,122 - - - - 5,122 $ 865,698 $ 1,165 $ - $ 1,362 $ - $ 868,225 Deposit account overdrafts were $290,000 and $479,000 at December 31, 2015 and 2014, respectively. They are not assigned a risk-rating and are therefore excluded from consumer loans in the above tables. Loans to Directors and Executive Officers .

Note D - Premises and Equipment

Note D - Premises and Equipment	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment Disclosure [Text Block]	NOTE D – PREMISES AND EQUIPMENT Bank premises and equipment consist of the following: December 31, 2015 2014 (in thousands) Land $ 6,352 $ 5,985 Buildings and improvements 20,894 19,462 Leasehold improvements 10,263 8,782 Furniture and equipment 26,196 24,797 Construction in process 2,208 1,570 65,913 60,596 Accumulated depreciation and amortization (35,583 ) (32,742 ) $ 30,330 $ 27,854

Note E - Deposits

Note E - Deposits	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Deposit Liabilities Disclosures [Text Block]	NOTE E – DEPOSITS The following table sets forth the remaining maturities of the Bank’s time deposits. Less than $100,000 or $100,000 More Total (in thousands) 2016 $ 38,165 $ 83,802 $ 121,967 2017 4,364 5,421 9,785 2018 12,010 27,894 39,904 2019 35,630 53,783 89,413 2020 6,440 9,739 16,179 Thereafter 15,957 17,508 33,465 $ 112,566 $ 198,147 $ 310,713 The total amount of time deposits that meet or exceed the FDIC insurance limit of $250,000 at December 31, 2015 and 2014 was $74.3 million and $80.5 million, respectively. Deposits from executive officers, directors and their affiliates at December 31, 2015 and 2014 were approximately $8.5 million and $9.8 million, respectively.

Note F - Borrowed Funds

Note F - Borrowed Funds	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Debt Disclosure [Text Block]	NOTE F – BORROWED FUNDS The following table summarizes borrowed funds at December 31, 2015 and 2014. December 31, 2015 2014 (in thousands) Short-term borrowings: Securities sold under repurchase agreements $ 11,502 $ 11,486 Federal Home Loan Bank advances 200,000 125,000 211,502 136,486 Long-term debt: Securities sold under repurchase agreements 35,000 45,000 Federal Home Loan Bank advances 330,712 300,000 365,712 345,000 $ 577,214 $ 481,486 Accrued interest payable on borrowed funds is included in “accrued expenses and other liabilities” in the Consolidated Balance Sheets and amounted to $672,000 and $668,000 at December 31, 2015 and 2014, respectively. Securities Sold Under Repurchase Agreements . The following table sets forth information concerning securities sold under repurchase agreements. 2015 2014 (dollars in thousands) Average daily balance during the year $ 51,297 $ 57,511 Average interest rate during the year 3.44 % 3.53 % Maximum month-end balance during the year $ 56,903 $ 61,152 Weighted average interest rate at year-end 3.40 % 3.54 % The following table sets forth as of December 31, 2015 the contractual maturities and weighted average interest rates of securities sold under repurchase agreements for each of the next five years. There are no securities sold under repurchase agreements with contractual maturities after 2018. All of the repurchase agreements are callable as of December 31, 2015. Contractual Maturity (dollars in thousands) Amount Weighted Average Rate Overnight $ 11,502 0.10 % 2017 30,000 4.33 2018 5,000 5.45 35,000 4.49 $ 46,502 3.40 % Overnight repurchase agreements at December 31, 2015 are collateralized by $3.5 million of municipal securities and repurchase agreements due in 2017 and 2018 are collateralized by $41.7 million of mortgage-backed securities. Federal Home Loan Bank Advances . The following table sets forth information concerning FHLB advances. 2015 2014 (dollars in thousands) Average daily balance during the year $ 367,897 $ 290,409 Average interest rate during the year 1.69 % 1.68 % Maximum month-end balance during the year $ 530,712 $ 425,000 Weighted average interest rate at year-end 1.33 % 1.42 % The following table sets forth as of December 31, 2015 the contractual maturities and weighted average interest rates of FHLB advances for each of the next five years and the period thereafter. Contractual Maturity (dollars in thousands) Amount Weighted Average Rate Overnight $ 200,000 .52 % 2017 27,050 1.51 2018 96,450 1.71 2019 73,500 1.91 2020 70,250 1.85 After 2020 63,462 2.01 330,712 1.82 $ 530,712 1.33 % Other Borrowings .

Note G - Income Taxes

Note G - Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Tax Disclosure [Text Block]	NOTE G – INCOME TAXES The Corporation, the Bank and the Bank’s subsidiaries, except for the REIT, file a consolidated federal income tax return. Income taxes charged to earnings in 2015, 2014 and 2013 had effective tax rates of 22.4%, 20.9% and 21.2%, respectively. The following table sets forth a reconciliation of the statutory Federal income tax rate to the Corporation’s effective tax rate. Year Ended December 31, 2015 2014 2013 Statutory federal income tax rate 35.0 % 35.0 % 35.0 % State and local income taxes, net of federal income tax benefit 2.1 2.4 3.3 Tax-exempt income, net of disallowed cost of funding (14.9 ) (16.4 ) (17.0 ) Other .2 (.1 ) (.1 ) 22.4 % 20.9 % 21.2 % Provision for Income Taxes . The following table sets forth the components of the provision for income taxes. Year Ended December 31, 2015 2014 2013 (in thousands) Current: Federal $ 7,473 $ 4,943 $ 5,046 State and local 874 1,746 1,490 8,347 6,689 6,536 Deferred: Federal (1,059 ) 61 (692 ) State and local 178 (655 ) (109 ) (881 ) (594 ) (801 ) $ 7,466 $ 6,095 $ 5,735 Net Deferred Tax Liability . The following table sets forth the components of the Corporation’s net deferred tax liability. December 31, 2015 2014 (in thousands) Deferred tax assets: Allowance for loan losses and off-balance-sheet credit exposure $ 11,301 $ 9,005 Interest on nonperforming loans 109 101 Accrued bonuses 414 - Accrued legal settlement - 39 Stock-based compensation 1,465 1,187 Supplemental executive retirement expense 36 20 Directors' retirement expense 65 67 Accrued rent expense 240 186 Depreciation 442 125 14,072 10,730 Valuation allowance - - 14,072 10,730 Deferred tax liabilities: Prepaid pension 5,785 6,321 Unrealized gains on available-for-sale securities 8,084 8,882 Deferred loan costs 5,186 3,746 Prepaid expenses 84 80 Other 138 134 19,277 19,163 Net deferred tax liability $ 5,205 $ 8,433 The Corporation had no unrecognized tax benefits at December 31, 2015, 2014 and 2013, and has not taken any tax positions for which it is reasonably possible that unrecognized tax benefits will significantly increase within the next twelve months. The Corporation is subject to U.S. federal, New York State and New York City income taxes. The Corporation’s federal, New York State and New York City income tax returns are subject to examination by the taxing authorities for years after 2011. In 2012, New York State completed an examination of the Corporation’s and FNY’s tax returns for calendar years 2007, 2008 and 2009 and proposed no changes to the returns. In 2011, New York City completed an examination of the Corporation’s tax returns for calendar years 2007 and 2008 and proposed no changes to the returns. The Corporation did not incur any amounts for interest and penalties due taxing authorities for calendar years 2015, 2014 or 2013.

Note H - Regulatory Matters

Note H - Regulatory Matters	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Regulatory Capital Requirements under Banking Regulations [Text Block]	NOTE H – REGULATORY MATTERS Minimum Regulatory Capital Requirements . Basel III includes guidelines with respect to the components of regulatory capital and calculation of risk weighted assets for on balance sheet assets and liabilities and off-balance sheet positions. As part of the initial adoption of Basel III, the Corporation and the Bank elected to exclude AOCI components from Tier 1 and Total regulatory capital. Basel III sets forth new prompt corrective action requirements for all banks and establishes a capital conservation buffer and multi-year capital ratio phase-in schedule with full phase-in by 2019. As of December 31, 2015, the most recent notification from the Federal Deposit Insurance Corporation categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. There are no conditions or events since the notification that management believes have changed the Bank’s category. The Corporation’s and the Bank’s actual capital amounts and ratios at December 31, 2015 under the Basel III rules are presented in the table below. Also presented below are the Corporation’s and the Bank’s actual capital amounts and ratios at year end 2014 under the applicable rules in effect on that date. 2015 Actual Capital Minimum Capital Adequacy Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Tier 1 Capital to Average Assets: Consolidated $ 243,192 7.98 % $ 121,940 4.00 % N/A N/A Bank 241,516 7.92 121,938 4.00 $ 152,422 5.00 % Common Equity Tier 1 to Risk Weighted Assets: Consolidated 243,192 12.92 84,673 4.50 N/A N/A Bank 241,516 12.84 84,660 4.50 122,286 6.50 Tier 1 Capital to Risk Weighted Assets: Consolidated 243,192 12.92 112,897 6.00 N/A N/A Bank 241,516 12.84 112,880 6.00 150,506 8.00 Total Capital to Risk Weighted Assets: Consolidated 266,760 14.18 150,530 8.00 N/A N/A Bank 265,080 14.09 150,506 8.00 188,133 10.00 2014 Tier 1 Capital to Average Assets: Consolidated $ 222,298 8.49 % $ 104,673 4.00 % N/A N/A Bank 222,098 8.49 104,670 4.00 $ 130,838 5.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 222,298 14.24 62,447 4.00 N/A N/A Bank 222,098 14.23 62,431 4.00 93,647 6.00 Total Capital to Risk Weighted Assets: Consolidated 241,860 15.49 124,894 8.00 N/A N/A Bank 241,655 15.48 124,863 8.00 156,079 10.00 Other Matters. Regulation D of the Board of Governors of The Federal Reserve System requires banks to maintain reserves against certain deposit balances. The Bank’s average reserve requirement for 2015 was approximately $17,857,000.

Note I - Shareholder Protection

Note I - Shareholder Protection Rights Plan	12 Months Ended
	Dec. 31, 2015
Stockholders' Equity Note [Abstract]
Stockholders' Equity Note Disclosure [Text Block]	NOTE I – SHAREHOLDER PROTECTION RIGHTS PLAN On July 18, 2006, the Board of Directors of the Corporation (“Board”) renewed the Corporation’s Shareholder Protection Rights Plan and declared a distribution of one right (“Right”) for each share of the Corporation’s common stock (“Common Stock”) outstanding on August 1, 2006. In the absence of an event of the type described below, the Rights will be evidenced by and trade with the Common Stock and will not be exercisable. However, the Rights will separate from the Common Stock and become exercisable following the earlier of (1) the tenth business day, or such later date as the Board may decide, after any person or persons (collectively referred to as “person”) commences a tender offer that would result in such person holding a total of 20% or more of the outstanding Common Stock, or (2) ten business days after, or such earlier or later date as the Board may decide, the announcement by the Corporation that any person has acquired 20% or more of the outstanding Common Stock. When separated from the Common Stock, each Right will entitle the holder to purchase one share of Common Stock for $50 (“Exercise Price”). However, in the event that the Corporation has announced that any person has acquired 20% or more of the outstanding Common Stock, the Rights owned by that person will be automatically void and each other Right will automatically become a right to buy, for the Exercise Price, that number of shares of Common Stock having a market value of twice the Exercise Price. Also, if any person acquires 20% or more of the outstanding Common Stock, the Board can require that, in lieu of exercise, each outstanding Right be exchanged for one share of Common Stock. The Rights may be redeemed by action of the Board at a price of $.01 per Right at any time prior to announcement by the Corporation that any person has acquired 20% or more of the outstanding Common Stock. The Exercise Price and the number of Rights outstanding are subject to adjustment to prevent dilution. The Rights expire July 17, 2016, and it is the Board’s current intention not to renew the Rights Plan at that time.

Note J - Stock-based Compensati

Note J - Stock-based Compensation	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	NOTE J – STOCK-BASED COMPENSATION On April 22, 2014, the stockholders of the Corporation approved the 2014 Equity Incentive Plan (“2014 Plan”). Upon approval of the 2014 Plan, no further awards could be made under the 2006 Stock Compensation Plan (“2006 Plan”). 2014 Plan. Under the 2014 Plan, awards may be granted to employees and non-employee directors as incentive stock options (“ISOs”), non-qualified stock options (“NQSOs”), stock appreciation rights (“SARs”), restricted stock awards, RSUs, or any combination thereof, any of which may be subject to performance-based vesting conditions. The exercise price of ISOs and NQSOs granted under the 2014 Plan may not be less than the fair market value of the Corporation’s common stock on the date the stock option is granted. The 2014 Plan is administered by the Compensation Committee of the Board of Directors. Except for 500 stock options granted during 2015, awards granted to date under the 2014 Plan consist solely of RSUs. The Corporation’s has 1,500,000 shares of common stock reserved for awards under the 2014 Plan. Awards granted under the 2006 Plan that expire or are forfeited after April 22, 2014 will be added to the number of shares of common stock reserved for issuance of awards under the 2014 Plan. All of the 1,500,000 shares may be issued pursuant to the exercise of stock options or SARs. A maximum of 525,000 shares may be issued as restricted stock awards or RSUs. At December 31, 2015, 1,421,108 shares of common stock remain available for issuance of awards under the 2014 Plan of which 437,363 shares remain available for issuance as restricted stock awards or RSUs. 2006 Plan . Vesting of RSUs Granted Under the 2014 Plan . During 2015, 75,238 RSUs were awarded under the 2014 Plan. These awards included 70,885 performance-based RSUs with vesting based on the financial performance of the Corporation in 2017 and 4,353 RSUs that will vest at the end of a three-year service-based vesting period. In January 2016, the Board of Directors awarded 68,010 RSUs under the 2014 Plan. These RSUs will accrue dividends at the same rate as the dividends declared by the Board of Directors on the Corporation’s common stock. The accrued dividends will be payable upon vesting of the awards. These awards include 55,640 performance-based RSUs with vesting based on the financial performance of the Corporation in 2018 and 12,370 RSUs that will vest in equal annual installments at the end of one, two and three years of service. All of the RSUs granted in 2015 and 2016 will immediately vest in the event of a change in control, total and permanent disability, as defined, or death, and with certain exceptions will immediately vest in the event of retirement, as defined. Vesting of RSUs Granted Under the 2006 Plan . Vesting of Stock Options . Fair Value of RSUs . 2015 2014 2013 Performance- Based Vesting Service- Based Vesting Performance- Based Vesting Service- Based Vesting Immediate Vesting Performance- Based Vesting Grant date fair value $ 21.18 $23.42 to $25.41 $ 25.99 $25.99 to $26.68 $ 25.90 $ 17.79 Market price on date of grant $ 23.45 $25.70 to $27.77 $ 28.07 $28.07 $ 25.90 $ 19.78 Expected annual dividend $ 0.76 $0.80 $ 0.69 $0.69 - $ 0.67 Expected term (in years) 3.0 3.0 3.0 2.0 to 3.0 - 3.0 Risk-free interest rate .21 % .28% to .38% .13 % .13% - .12 % Fair Value of Stock Options . Compensation Expense . Compensation expense for stock options is recognized ratably over the five-year vesting period or the period from the grant date to the participant’s eligible retirement date, whichever is shorter. The Corporation recorded compensation expense for share-based payments of $1,319,000, $1,511,000 and $592,000 in 2015, 2014 and 2013, respectively, and related income tax benefits of $543,000, $614,000 and $235,000, respectively. Stock Option Activity . Number of Options Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term (yrs.) Aggregate Intrinsic Value (in thousands) Outstanding at January 1, 2015 278,925 $ 15.74 Granted 500 25.59 Exercised (47,843 ) 14.78 Forfeited or expired (138 ) 19.35 Outstanding at December 31, 2015 231,444 $ 15.96 3.23 $ 3,249 Exercisable at December 31, 2015 217,583 $ 15.73 3.11 $ 3,105 All options outstanding at December 31, 2015 are either fully vested or expected to vest. The total intrinsic value of options exercised in 2015, 2014 and 2013 was $602,000, $723,000 and $699,000, respectively. RSU Activity . The following table presents a summary of RSUs outstanding under the Corporation’s stock-based compensation plans as of December 31, 2015 and changes during the year then ended. Number of RSUs Weighted- Average Grant-Date Fair Value Weighted- Average Remaining Contractual Term (yrs.) Aggregate Intrinsic Value (in thousands) Outstanding at January 1, 2015 127,181 $ 20.56 Granted 75,238 21.39 Converted (41,138 ) 17.21 Forfeited (3,930 ) 20.57 Outstanding at December 31, 2015 157,351 $ 21.83 1.21 $ 4,721 Vested and Convertible at December 31, 2015 38,761 $ 17.79 - $ 1,163 The number of RSUs in the table represents the maximum number of shares of common stock of the Corporation into which the RSUs can be converted. RSUs outstanding at December 31, 2015 include 38,761 RSUs that were vested and convertible into common stock at year-end and 118,590 RSUs that are currently expected to vest and become convertible in the future. The total intrinsic value of RSUs converted in 2015, 2014 and 2013 was $965,000, $706,000 and $325,000, respectively. Unrecognized Compensation Cost . Cash Received and Tax Benefits Realized . Other.

Note K - Retirement Plans

Note K - Retirement Plans	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Pension and Other Postretirement Benefits Disclosure [Text Block]	NOTE K – RETIREMENT PLANS The Bank has a 401(k) plan, defined benefit pension plan and supplemental executive retirement plan. Employees are immediately eligible to participate in the 401(k) plan provided they are at least 18 years of age. Participants may elect to contribute, on a tax-deferred basis, up to 100% of gross compensation, as defined, subject to the limitations of Section 401(k) of the Internal Revenue Code. The Bank may, at its sole discretion, make matching contributions to each participant's account based on the amount of the participant's tax deferred contributions. Participants are fully vested in their elective contributions and, after five years of participation in the 401(k) plan, are fully vested (20% vesting per year) in the matching contributions, if any, made by the Bank. The Bank’s expense for matching contributions was $397,000, $349,000 and $352,000 for 2015, 2014 and 2013, respectively. The Bank has a defined benefit pension plan (“Pension Plan” or “Plan”). Through December 20, 2013, the provisions of the Plan were governed by the rules and regulations contained in the Prototype Plan of the New York State Bankers’ Retirement System (“Retirement System”) and the Retirement System Adoption Agreement executed by the Bank. On December 20, 2013, the Bank withdrew from the New York State Bankers’ Retirement System and simultaneously formed an internal management committee (the “Committee”) to oversee the affairs of the Plan and act as named fiduciary. The Committee retained Vanguard Group, Inc., including its subsidiaries and affiliates (“Vanguard”), to act as discretionary investment agent, trustee and custodian for the Plan. Vanguard formulated investment recommendations customized to meet the Committee’s objectives and, after approval by the Committee, such investment recommendations were incorporated into the investment guidelines and policies contained in the investment management agreement between the Bank and Vanguard (the “Investment Management Agreement”). Subsequently, the Committee adopted a formal Investment Policy Statement which includes, among other things, the investment guidelines and policies contained in the Investment Management Agreement. The Investment Policy Statement is periodically revised by the Committee as deemed appropriate. Employees are eligible to participate in the Pension Plan after attaining 21 years of age and completing 12 full months of service. Pension benefits are generally based on a percentage of average annual compensation during the period of creditable service. The Bank makes contributions to the Pension Plan which, when taken together with participant contributions equal to 2% of their compensation, will be sufficient to fund these benefits. The Bank’s funding method, the unit credit actuarial cost method, is consistent with the funding requirements of applicable federal laws and regulations which set forth both minimum required and maximum tax deductible contributions. Employees become fully vested after four years of participation in the Pension Plan (no vesting occurs during the four-year period). Significant Actuarial Assumptions . The following table sets forth the significant actuarial assumptions used to determine the benefit obligation at December 31, 2015, 2014 and 2013 and the benefit cost for each of the Plan years then ended. In calculating the benefit obligation at December 31, 2015, the mortality table previously utilized, RP-2014 Healthy Annuitant/Employee Mortality Table with Projection Scale MP-2014, was adjusted to reflect Scale MP-2015. The updated mortality table decreased the projected benefit obligation at December 31, 2015 by approximately $270,000. In calculating the benefit obligation at December 31, 2014, the mortality table was changed from the RP-2000 Annuitant/Non-Annuitant Mortality Table with Projection Scale AA to the aforementioned RP-2014 Mortality Table with Projection Scale MP-2014. The updated mortality table, which increased the projected benefit obligation at December 31, 2014 by approximately $1.7 million, was released by the Society of Actuaries in 2014 based on a comprehensive review of recent mortality experience of uninsured private retirement plans in the United States. 2015 2014 2013 Weighted average assumptions used to determine the benefit obligation at year end Discount rate 4.54% 4.02% 5.07% Rate of increase in compensation levels 3.50% 3.50% 3.50% Weighted average assumptions used to determine net pension cost Discount rate 4.02% 5.07% 4.06% Rate of increase in compensation levels 3.50% 3.50% 3.50% Expected long-term rate of return on plan assets 6.00% 6.50% 6.50% Net Pension Cost . 2015 2014 2013 (in thousands) Service cost plus expected expenses and net of expected plan participant contributions $ 1,189 $ 1,115 $ 1,211 Interest cost 1,408 1,407 1,216 Expected return on plan assets (3,086 ) (3,009 ) (2,656 ) Amortization of prior service cost - 16 23 Amortization of net actuarial loss - - 631 Net pension cost (credit) $ (489 ) $ (471 ) $ 425 The net actuarial loss for the defined benefit plan that will be amortized from accumulated other comprehensive income into net periodic pension cost in 2016 is $244,000. Prior service cost had been fully amortized from accumulated other comprehensive income into net periodic pension cost as of December 31, 2014. Funded Status of the Plan . 2015 2014 2013 (in thousands) Change in projected benefit obligation: Projected benefit obligation at beginning of year $ 35,787 $ 28,650 $ 30,698 Service cost 1,267 1,051 1,211 Interest cost 1,408 1,407 1,216 Benefits paid (1,288 ) (1,160 ) (1,019 ) Assumption changes (3,185 ) 6,302 (3,907 ) Experience loss (gain) and other 1,695 (463 ) 451 Projected benefit obligation at end of year 35,684 35,787 28,650 Change in fair value of plan assets: Fair value of plan assets at beginning of year 52,208 47,182 41,598 Actual return on plan assets (1,071 ) 6,009 6,660 Plan participant contributions 270 251 245 Benefits paid (1,288 ) (1,160 ) (1,019 ) Expenses (98 ) (74 ) (302 ) Fair value of plan assets at end of year 50,021 52,208 47,182 Funded status at end of year $ 14,337 $ 16,421 $ 18,532 Accumulated Benefit Obligation $ 32,716 $ 33,403 $ 26,261 The Bank has no minimum required pension contribution for the Plan year ending September 30, 2016 and its maximum tax-deductible contribution for the tax year beginning January 1, 2016 is $1,552,746. The contribution the Bank will make in 2016, if any, has not yet been determined. Plan Assets . The objective for the Plan’s assets is to generate long-term investment returns from both income and capital appreciation which outpaces the rate of inflation, while maintaining sufficient liquidity to ensure the Plan’s ability to pay all anticipated benefit and expense obligations when due. The Plan will maintain a de minimis amount of cash equivalents, with the remaining assets allocated across two broadly-defined financial asset categories: (1) equity, both domestic and international; and (2) fixed income of various durations and issuer type. The goal of the equity allocation is to supplement the Bank’s contributions to the Plan when the Plan is underfunded and increase surplus when the Plan is overfunded. The fixed income component will include longer-duration bonds designed to match and hedge the characteristics of the Plan’s liabilities. Cash equivalents, under normal circumstances, will be temporary holdings for the purpose of paying expenses and monthly benefits. For fixed income investments: (1) the minimum average credit quality shall be investment grade (Standard & Poor’s BBB or Moody’s Baa) or higher; and (2) no more than 5% of the portfolio may be invested in securities with ratings below investment grade, and none may be rated below investment grade at the time of purchase. Reasonable precautions are taken to avoid excessive concentrations to protect the portfolio against unfavorable outcomes within an asset class. Specifically the following guidelines are in place: ● With the exception of fixed income investments explicitly guaranteed by the U.S. government, no single investment security shall represent more than 5% of total Plan assets; and ● With the exception of passively managed investment vehicles seeking to match the returns of broadly diversified market indices or diversified investment vehicles chosen specifically to hedge the interest rate risk embedded in Plan liabilities, no single investment pool or investment company (mutual fund) shall comprise more than 10% of total plan assets. The portfolio will be rebalanced to the target asset allocation, if needed, no less often than quarterly. Unless expressly authorized in writing by the Committee, the following investing activities are prohibited: ● Purchasing securities on margin; ● Pledging or hypothecating securities, except for loans of securities that are fully collateralized; ● Purchasing or selling derivative securities for speculation or leverage; and ● Engaging in investment strategies that have the potential to amplify or distort the risk of loss beyond a level that is reasonably expected given the objectives of the portfolio. The Plan’s actual asset allocations, target allocations and expected long-term rates of return by asset category at December 31, 2015 and 2014 are set forth in the tables that follow. December 31, 2015 Target Allocation Percentage of Plan Assets Weighted Average Expected Long-term Rates of Return Cash equivalents 0% - 1% .2 % <1.00% Equity mutual funds 15% - 25% 19.6 % 5.80% to 11.70% Fixed income mutual funds 75% - 85% 80.2 % 3.55% to 4.55% 100.0 % 3.95% to 5.95% December 31, 2014 Cash equivalents 0% - 1% .2 % <1.00% Equity mutual funds 25% - 35% 29.7 % 6.60% to 12.00% Fixed income mutual funds 65% - 75% 70.1 % 3.90% to 5.00% 100.0 % 4.70% to 7.10% The ranges for the weighted average expected long-term rates of return for equity funds, bond funds and total plan assets set forth in the preceding table represent expected 25 th th At December 31, 2015, the equity and fixed income components of Plan assets consist of the following Vanguard institutional funds: Equity ● Vanguard Total Stock Market Index Fund (VITSX). This fund seeks to track the performance of the Center for Research in Security Prices (“CRSP”) U.S. Total Market Index. The fund is passively managed using index sampling and consists of large, small and mid-cap equity securities diversified across growth and value styles. ● Vanguard Total International Stock Index Fund (VTSNX). This fund seeks to track the performance of the Financial Times Stock Exchange (“FTSE”) Global All Cap ex U.S. Index. The fund is passively managed and includes broad exposure across developed and emerging non-U.S. equity markets. Fixed Income ● Vanguard Long-Term Investment-Grade Fund (VWETX). This fund seeks high and sustainable current income. Investments are selected using a fundamental, bottom-up credit selection process and consist of long-term, high-quality bonds broadly diversified by issuer and industry sector. ● Vanguard Long-Term Bond Index Fund (VBLLX). This fund seeks high current income with high credit quality and to track the performance of the Barclays U.S. Long Government/Credit Float Adjusted Index. The fund is passively managed using index sampling and includes diversified exposure to long-term, investment-grade U.S. bond market instruments. Obligations of the U.S. government make up a significant portion of the fund’s holdings. Fair Value of Plan Assets . Fair Value Measurements Using: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) December 31, 2015: Cash equivalents: Vanguard Prime Money Market Mutual Fund $ 98 $ - $ 98 $ - Total cash equivalents 98 - 98 - Equity mutual funds: Vanguard Total Stock Market Index Fund (VITSX) 5,392 5,392 - - Vanguard Total International Stock Index Fund (VTSNX) 4,416 4,416 - - Total equity funds 9,808 9,808 - - Fixed income mutual funds: Vanguard Long-Term Investment Grade Fund (VWETX) 24,053 24,053 - - Vanguard Long-Term Bond Index Fund (VBLLX) 16,062 16,062 - - Total fixed income mutual funds 40,115 40,115 - - Total Plan Assets $ 50,021 $ 49,923 $ 98 $ - December 31, 2014: Cash equivalents: Vanguard Prime Money Market Mutual Fund $ 92 $ - $ 92 $ - Total cash equivalents 92 - 92 - Equity mutual funds: Vanguard Total Stock Market Index Fund (VITSX) 8,226 8,226 - - Vanguard Total International Stock Index Fund (VTSNX) 7,264 7,264 - - Total equity funds 15,490 15,490 - - Fixed income mutual funds: Vanguard Long-Term Investment Grade Fund (VWETX) 15,706 15,706 - - Vanguard Long-Term Bond Index Fund (VBLLX) 20,920 20,920 - - Total fixed income mutual funds 36,626 36,626 - - Total Plan Assets $ 52,208 $ 52,116 $ 92 $ - The fair values of the Vanguard mutual funds represent their net asset values (“NAV”) at December 31, 2015 and 2014. On an ongoing basis, the Plan has the ability to readily redeem its investments in these funds at their NAV per share with no advance notification. An explanation of matrix pricing and the definitions of Level 1, 2 and 3 fair value measurements are included in Note N to these consolidated financial statements. At both December 31, 2015 and 2014, the Plan’s cash and cash equivalents amounted to .2% of the Plan’s total assets and represented investments in the Vanguard Prime Money Market Mutual Fund. Estimated Future Benefit Payments . Year Amount (in thousands) 2016 $ 1,462 2017 1,659 2018 1,788 2019 1,899 2020 2,077 2021 - 2025 12,204 The Bank’s Supplemental Executive Retirement Plan (“SERP”) currently covers the Bank’s CEO. The benefit under the SERP is equal to the additional amount that the CEO would be entitled to under the Pension and 401(k) plans in the absence of Internal Revenue Code limitations. SERP expense was $271,000, $133,000 and $(19,000) in 2015, 2014 and 2013, respectively.

Note L - Other Operating Expens

Note L - Other Operating Expenses	12 Months Ended
	Dec. 31, 2015
Other Income and Expenses [Abstract]
Other Income and Other Expense Disclosure [Text Block]	NOTE L – OTHER OPERATING EXPENSES Expenses included in other operating expenses that exceed one percent of the aggregate of total interest income and noninterest income in one or more of the years shown are as follows: 2015 2014 2013 (in thousands) Computer services $ 2,212 $ 1,970 $ 1,985 FDIC assessment 1,472 1,278 1,139 Marketing 877 927 670

Note M - Commitments and Contin

Note M - Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies Disclosure [Text Block]	NOTE M – COMMITMENTS AND CONTINGENT LIABILITIES Financial Instruments With Off-Balance-Sheet Risk . At December 31, 2015 and 2014, financial instruments whose contract amounts represent credit risk are as follows: 2015 2014 Fixed Rate Variable Rate Fixed Rate Variable Rate (in thousands) Commitments to extend credit $ 13,092 $ 235,368 $ 10,655 $ 203,809 Standby letters of credit 5,758 - 4,043 - A commitment to extend credit is a legally binding agreement to lend to a customer as long as there is no violation of any condition established in the contract. Unused home equity lines are the largest component of the Bank’s variable rate loan commitments. Since some of the commitments to extend credit and letters of credit are expected to expire without being drawn upon and, with respect to unused home equity lines, can be frozen, reduced or terminated by the Bank based on the financial condition of the borrower, the total commitment amounts do not necessarily represent future cash requirements. Home equity lines generally expire ten years from their date of origination, other real estate loan commitments generally expire within 60 days and commercial loan commitments generally expire within one year. At December 31, 2015, the Bank’s fixed rate loan commitments are to make loans with interest rates ranging from 3.00% to 5.25% and maturities of 5 years and over. The amount of collateral obtained, if any, by the Bank upon extension of credit is based on management’s credit evaluation of the borrower. Collateral held varies but may include mortgages on commercial and residential real estate, security interests in business assets, equipment, deposit accounts with the Bank or other financial institutions and securities. Standby letters of credit are conditional commitments issued by the Bank to assure the performance or financial obligations of a customer to a third party. The Bank's standby letters of credit extend through December 2016. The credit risk involved in issuing standby letters of credit is essentially the same as that involved in extending loans to customers. The Bank generally holds collateral and/or obtains personal guarantees supporting these commitments. The extent of collateral held for these commitments at December 31, 2015 varied from 0% to 100% of the contractual notional amount of each instrument, with the average amount of collateral totaling 81% of the aggregate outstanding notional amount. Standby letters of credit are considered financial guarantees and are recorded at fair value. Employment Contracts . Lease Commitments . Year Amount (in thousands) 2016 $ 1,933 2017 1,886 2018 1,661 2019 1,491 2020 1,349 Thereafter 4,248 $ 12,568 The Bank has various renewal options on the above leases. Rent expense, including amounts paid for real estate taxes and common area maintenance, was $1,885,000, $1,733,000 and $1,625,000 in 2015, 2014 and 2013, respectively. Related Party Leases. Buildings occupied by two of the Bank’s branch offices are leased from a director of the Corporation and the Bank. The leases expire on October 31, 2017 and December 31, 2019. Aggregate base rent expense for these leases, plus a proportionate share of real estate taxes on one of the leased properties, amounted to approximately $78,000 for each of the years ending December 31, 2015, 2014 and 2013. The Corporation believes that the terms of the leases are comparable to competitive terms that could have been obtained from an unrelated third party. Litigation .

Note N - Fair Value of Financia

Note N - Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	NOTE N – FAIR VALUE OF FINANCIAL INSTRUMENTS Financial Instruments Recorded at Fair Value . When measuring fair value, the Corporation uses a fair value hierarchy, which is designed to maximize the use of observable inputs and minimize the use of unobservable inputs. The hierarchy involves three levels of inputs that may be used to measure fair value: Level 1: Quoted prices (unadjusted) in active markets for identical assets or liabilities that the Corporation has the ability to access at the measurement date. Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in markets that are not active; or inputs other than quoted prices that are observable or can be corroborated by observable market data. Level 3: Significant unobservable inputs that reflect the Corporation’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. The Corporation deems transfers between levels of the fair value hierarchy to have occurred on the date of the event or change in circumstance that caused the transfer. There were no transfers between levels of the fair value hierarchy in either 2015 or 2014. The fair values of the Corporation’s investment securities designated as available-for-sale at December 31, 2015 and 2014 are set forth in the tables that follow. These values are determined on a recurring basis using matrix pricing (Level 2 inputs). Matrix pricing, which is a mathematical technique widely used in the industry to value debt securities, does not rely exclusively on quoted prices for the specific securities but rather on the relationship of such securities to other benchmark quoted securities. Fair Value Measurements Using: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-Sale Securities: December 31, 2015: State and municipals $ 435,693 $ - $ 435,693 $ - Pass-through mortgage securities 147,265 - 147,265 - Collateralized mortgage obligations 154,742 - 154,742 - $ 737,700 $ - $ 737,700 $ - December 31, 2014: State and municipals $ 411,797 $ - $ 411,797 $ - Pass-through mortgage securities 131,181 - 131,181 - Collateralized mortgage obligations 231,167 - 231,167 - $ 774,145 $ - $ 774,145 $ - Assets measured at fair value on a nonrecurring basis at December 31, 2015 and 2014, are set forth in the table that follows. Real estate appraisals utilized in measuring the fair value of impaired loans may employ 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. In arriving at fair value, the Corporation adjusts the value set forth in the appraisal by deducting costs to sell and a distressed sale adjustment. The adjustments made by the appraisers and the Corporation are deemed to be significant unobservable inputs and therefore result in a Level 3 classification of the inputs used for determining the fair value of impaired loans. Because the Corporation has a small amount of impaired loans measured at fair value, the impact of unobservable inputs on the Corporation’s financial statements is not material. Fair Value Measurements Using: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) December 31, 2015: Residential mortgages held-for-sale: Closed end $ 25 $ - $ - $ 25 Revolving home equity 80 - - 80 $ 105 $ - $ - $ 105 Impaired loans: Residential mortgages - closed end $ 119 $ - $ - $ 119 December 31, 2014: Impaired loans: Residential mortgages - closed end $ 173 $ - $ - $ 173 The impaired loans set forth in the preceding table had principal balances of $152,000 and $179,000 at December 31, 2015 and 2014, respectively, and valuation allowances of $33,000 and $6,000, respectively. During the years ended December 31, 2015, 2014 and 2013, the Corporation recorded provisions (credit) for loan losses of $27,000, $(14,000) and $127,000, respectively, for impaired loans measured at fair value. The residential mortgage loans held-for-sale at December 31, 2015 in the preceding table were accounted for on a nonaccrual basis and carried at fair value. Financial Instruments Not Recorded at Fair Value . The following table sets forth the carrying amounts and estimated fair values of financial instruments that are not recorded at fair value in the Corporation’s financial statements at December 31, 2015 and 2014. Level of December 31, 2015 December 31, 2014 Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value (in thousands) Financial Assets: Cash and cash equivalents Level 1 $ 39,635 $ 39,635 $ 32,944 $ 32,944 Held-to-maturity securities Level 2 12,366 12,905 21,119 22,156 Held-to-maturity securities Level 3 2,005 2,005 714 714 Loans Level 3 2,220,808 2,203,418 1,781,425 1,765,202 Restricted stock Level 1 28,435 28,435 23,304 23,304 Accrued interest receivable: Investment securities Level 2 4,403 4,403 4,689 4,689 Loans Level 3 5,501 5,501 4,355 4,355 Financial Liabilities: Checking deposits Level 1 777,994 777,994 655,753 655,753 Savings, NOW and money market deposits Level 1 1,195,968 1,195,968 1,000,325 1,000,325 Time deposits Level 2 310,713 313,331 328,947 333,992 Short-term borrowings Level 1 211,502 211,502 136,486 136,486 Long-term debt Level 2 365,712 364,935 345,000 348,519 Accrued interest payable: Checking, savings, NOW and money market deposits Level 1 43 43 27 27 Time deposits Level 2 3,224 3,224 5,077 5,077 Short-term borrowings Level 1 3 3 1 1 Long-term debt Level 2 669 669 667 667 The following methods and assumptions are used by the Corporation in measuring the fair value of financial instruments disclosed in the preceding table. Cash and cash equivalents . The recorded book value of cash and cash equivalents is their fair value. Investment securities . Fair values are based on quoted prices for similar assets in active markets or derived principally from observable market data. Loans. The total loan portfolio is divided into three segments: (1) residential mortgages; (2) commercial mortgages and commercial loans; and (3) and consumer loans. Each segment is further divided into pools of loans with similar financial characteristics (i.e. product type, fixed versus variable rate, time to rate reset, length of term, conforming versus nonconforming). Cash flows for each pool, including estimated prepayments if applicable, are discounted utilizing market or internal benchmarks which management believes are reflective of current market rates for similar loan products. The discounted value of the cash flows is reduced by the related allowance for loan losses to arrive at an estimate of fair value. Restricted stock . The recorded book value of Federal Home Loan Bank stock and Federal Reserve Bank stock is their fair value because the stock is redeemable at cost. Deposit liabilities . The fair value of deposits with no stated maturity, such as checking deposits, money market deposits, NOW accounts and savings deposits, is equal to their recorded book value. The fair value of time deposits is based on the discounted value of contractual cash flows. The discount rate is equivalent to the rate at which the Bank could currently replace these deposits with wholesale borrowings from the Federal Home Loan Bank. Borrowed funds . For short-term borrowings maturing within ninety days, the recorded book value is a reasonable estimate of fair value. The fair value of long-term debt is based on the discounted value of contractual cash flows. The discount rate is equivalent to the rate at which the Bank could currently replace these borrowings with wholesale borrowings from the Federal Home Loan Bank. Accrued interest receivable and payable . For these short-term instruments, the recorded book value is a reasonable estimate of fair value. Off-balance-sheet Items . The fair value of off-balance sheet items is not considered to be material.

Note O - Parent Company Financi

Note O - Parent Company Financial Information	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	NOTE O – PARENT COMPANY FINANCIAL INFORMATION Condensed financial information for the Corporation (parent company only) is as follows: CONDENSED BALANCE SHEETS December 31, 2015 2014 (in thousands) Assets: Cash and due from banks $ 2,351 $ 1,256 Investment in subsidiary bank, at equity 249,260 233,103 Prepaid income taxes 719 357 Deferred income tax benefits 1,464 1,186 Other assets 4 43 $ 253,798 $ 235,945 Liabilities: Other liabilities $ 39 $ - Cash dividends payable 2,823 2,642 2,862 2,642 Stockholders' equity: Common stock 1,412 1,389 Surplus 56,931 51,009 Retained earnings 185,069 170,120 243,412 222,518 Accumulated other comprehensive income, net of tax 7,524 10,785 250,936 233,303 $ 253,798 $ 235,945 CONDENSED STATEMENTS OF INCOME Year ended December 31, 2015 2014 2013 (in thousands) Income: Dividends from subsidiary bank $ 7,500 $ 6,000 $ 3,900 Expenses: Salaries 1,319 1,511 592 Other operating expenses 541 409 408 1,860 1,920 1,000 Income before income taxes 5,640 4,080 2,900 Income tax benefit (832 ) (759 ) (397 ) Income before undistributed earnings of subsidiary bank 6,472 4,839 3,297 Equity in undistributed earnings 19,418 18,175 18,003 Net income $ 25,890 $ 23,014 $ 21,300 Comprehensive income $ 22,629 $ 32,137 $ 6,222 CONDENSED STATEMENTS OF CASH FLOWS Year ended December 31, 2015 2014 2013 (in thousands) Cash Flows From Operating Activities: Net income $ 25,890 $ 23,014 $ 21,300 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiary bank (19,418 ) (18,175 ) (18,003 ) Deferred income tax credit (278 ) (289 ) (67 ) Stock-based compensation expense 1,319 1,511 592 (Increase) decrease in prepaid income taxes (362 ) 139 105 (Increase) decrease in other assets 38 (41 ) (1 ) Increase (decrease) in other liabilities 39 (12 ) 12 Net cash provided by operating activities 7,228 6,147 3,938 Cash Flows From Financing Activities: Repurchase and retirement of common stock (287 ) (286 ) (95 ) Proceeds from exercise of stock options 707 1,055 1,418 Tax benefit of stock compensation plans 336 224 162 Proceeds from issuance of common stock 3,870 2,185 2,167 Cash dividends paid (10,759 ) (9,736 ) (6,904 ) Net cash used in financing activities (6,133 ) (6,558 ) (3,252 ) Net increase (decrease) in cash and cash equivalents* 1,095 (411 ) 686 Cash and cash equivalents, beginning of year 1,256 1,667 981 Cash and cash equivalents, end of year $ 2,351 $ 1,256 $ 1,667 Supplemental Schedule of Noncash Financing Activities: Cash dividends payable $ 2,823 $ 2,642 $ 2,376 * Cash and cash equivalents is defined as cash and due from banks and includes, among other things, the checking and money market accounts with the Corporation’s wholly-owned bank subsidiary.

Note P - Quarterly Financial Da

Note P - Quarterly Financial Data (Unaudited)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Quarterly Financial Information [Text Block]	NOTE P – QUARTERLY FINANCIAL DATA (Unaudited) First Quarter Second Quarter Third Quarter Fourth Quarter Total (in thousands, except per share data) 2015 Interest income $ 22,058 $ 22,667 $ 22,903 $ 24,507 $ 92,135 Interest expense 4,252 4,173 3,970 4,134 16,529 Net interest income 17,806 18,494 18,933 20,373 75,606 Provision for loan losses 411 942 1,049 1,915 4,317 Noninterest income before net securities gains 1,956 1,950 1,819 1,709 7,434 Net gains on sales of securities - 1,133 - 191 1,324 Noninterest expense before debt extinguishment costs 11,147 10,958 11,382 12,120 45,607 Debt extinguishment costs - 1,084 - - 1,084 Income before income taxes 8,204 8,593 8,321 8,238 33,356 Income tax expense 1,719 2,317 1,810 1,620 7,466 Net income 6,485 6,276 6,511 6,618 25,890 Earnings per share: Basic .47 .45 .46 .47 1.85 Diluted .46 .44 .46 .46 1.83 Comprehensive income 8,092 670 9,536 4,331 22,629 2014 Interest income $ 19,692 $ 20,018 $ 21,059 $ 21,207 $ 81,976 Interest expense 3,597 3,670 3,817 3,964 15,048 Net interest income 16,095 16,348 17,242 17,243 66,928 Provision for loan losses (credit) (59 ) 982 1,221 1,045 3,189 Noninterest income before net securities gains 1,778 1,748 2,005 1,729 7,260 Net gains on sales of securities 69 49 23 - 141 Noninterest expense 10,190 10,095 10,147 11,599 42,031 Debt extinguishment costs - - - - - Income before income taxes 7,811 7,068 7,902 6,328 29,109 Income tax expense 1,854 1,524 1,848 869 6,095 Net income 5,957 5,544 6,054 5,459 23,014 Earnings per share: Basic .43 .40 .44 .39 1.67 Diluted .43 .40 .43 .39 1.65 Comprehensive income 11,988 10,041 6,114 3,994 32,137

Accounting Policies, by Policy

Accounting Policies, by Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents Cash and cash equivalents include cash and deposits with other financial institutions that generally mature within 90 days.
Investment, Policy [Policy Text Block]	Investment Securities Current accounting standards require that investment securities be classified as held-to-maturity, available-for-sale or trading. The trading category is not applicable to any securities in the Bank's portfolio because the Bank does not buy or hold debt or equity securities principally for the purpose of selling in the near term. Held-to-maturity securities, or debt securities which the Bank has the intent and ability to hold to maturity, are reported at amortized cost. Available-for-sale securities, or debt and equity securities which are neither held-to-maturity securities nor trading securities, are reported at fair value, with unrealized gains and losses, net of the related income tax effect, included in other comprehensive income. Interest income includes amortization or accretion of purchase premium or discount. Premiums and discounts on securities are amortized or accreted on the level-yield method. Prepayments are anticipated for mortgage-backed securities. Premiums on municipal securities are amortized to the earlier of the stated maturity date or the first call date, while discounts on municipal securities are accreted to the stated maturity date. Realized gains and losses on the sale of securities are determined using the specific identification method. Investment securities are evaluated for other-than-temporary impairment (“OTTI”) no less often than quarterly. In determining OTTI, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost; (2) the financial condition and near-term prospects of the issuer; (3) whether the market decline was affected by macroeconomic conditions; and (4) whether management has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether an other-than-temporary decline exists involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When OTTI occurs, management considers whether it intends to sell, or, more likely than not, will be required to sell a security in an unrealized loss position before recovery of its amortized cost basis. If either of these criteria is met, the entire difference between amortized cost and fair value is recognized in earnings. For securities that do not meet the aforementioned 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.
Finance, Loan and Lease Receivables, Held-for-sale, Policy [Policy Text Block]	Loans Held for Sale Loans held for sale are carried at the lower of cost or fair value. Any subsequent declines in fair value below the initial carrying value are recorded as a valuation allowance established through a charge to noninterest income.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Loans and Allowance for Loan Losses Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at their outstanding principal balance less any chargeoffs and the allowance for loan losses and plus or minus net deferred loan costs and fees, respectively. Interest on loans is credited to income based on the principal amount outstanding. Direct loan origination costs, net of loan origination fees, are deferred and recognized in interest income using the level-yield method without anticipating prepayments. The past due status of a loan is based on the contractual terms in the loan agreement. Unless a loan is well secured and in the process of collection, the accrual of interest income is discontinued when a loan becomes 90 days past due as to principal or interest payments. The accrual of interest income on a loan is also discontinued when it is determined that the borrower will not be able to make principal and interest payments according to the contractual terms of the current loan agreement. When the accrual of interest income is discontinued on a loan, any accrued but unpaid interest is reversed against current period income. Interest received on nonaccrual loans is accounted for on the cash basis or cost-recovery method until the loans qualify for return to an accrual status. Return to an accrual status occurs when all the principal and interest amounts contractually due are brought current and all future payments are reasonably assured. The allowance for loan losses is established through provisions for loan losses charged against income. When available information confirms that specific loans, or portions thereof, are uncollectible, these amounts are charged against the allowance for loan losses, and subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is an amount that management currently believes will be adequate to absorb probable incurred losses in the Bank’s loan portfolio. The process for estimating credit losses and determining the allowance for loan losses as of any balance sheet date is subjective in nature and requires material estimates. Actual results could differ significantly from those estimates. The allowance for loan losses is comprised of specific reserves allocated to individually impaired loans plus estimated losses on pools of loans that are collectively reviewed. Although the allowance for loan losses has two separate components, one for impairment losses on individual loans and one for collective impairment losses on pools of loans, the entire allowance for loan losses is available to absorb realized losses as they occur whether they relate to individual loans or pools of loans. Estimated losses for loans individually deemed to be impaired are based on either the fair value of collateral or the discounted value of expected future cash flows. For all collateral dependent impaired loans, impairment losses are measured based on the fair value of the collateral. A loan is considered to be impaired when, based on current information and events, it is probable that the Bank will be unable to collect the scheduled principal and interest when due according to the contractual terms of the current loan agreement. Loans that experience insignificant payment delays and payment shortfalls are not automatically considered to be impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record and financial condition and the amount of the shortfall in relation to the principal and interest owed. In estimating the fair value of real estate collateral, management utilizes appraisals or evaluations adjusted for costs to dispose and a distressed sale adjustment, if needed. In addition to estimating losses for loans individually deemed to be impaired, management also estimates collective impairment losses for pools of loans that are not specifically reviewed. Loan pools include: commercial and industrial loans; small business credit scored loans; owner-occupied commercial mortgages; multifamily commercial mortgages; other commercial mortgages; construction and land development loans; first-lien residential mortgages; junior-lien residential mortgages; first-lien home equity lines; junior-lien home equity lines; and consumer loans. The Bank’s highest average annualized loss experience over periods of 24, 36, 48 or 60 months is generally the starting point in determining its allowance for loan losses for each pool of loans. Management believes that this approach appropriately reflects losses from the current economic cycle and those incurred losses in the Bank’s loan portfolio. However, since future losses could vary significantly from those experienced in the past, on a quarterly basis management adjusts its historical loss experience to reflect current conditions. In doing so, management considers a variety of general qualitative factors and then subjectively determines the weight to assign to each in estimating losses. The factors include, among others: (1) delinquencies, (2) economic conditions as judged by things such as median home prices and commercial vacancy rates in the Bank’s service area and national and local unemployment levels, (3) trends in the nature and volume of loans, (4) concentrations of credit, (5) changes in lending policies and procedures, (6) experience, ability and depth of lending staff, (7) changes in the quality of the loan review function, (8) environmental risks, and (9) loan risk ratings. Substantially all of the Bank’s allowance for loan losses allocable to pools of loans that are collectively evaluated for impairment results from these qualitative adjustments to historical loss experience. Because of the nature of the qualitative factors and the difficulty in assessing their impact, management’s resulting estimate of losses may not accurately reflect actual losses in the portfolio. Troubled debt restructurings are by definition impaired loans and are generally reported at the present value of estimated future cash flows using the loan’s effective rate at inception. However, if a troubled debt restructuring is considered to be a collateral dependent loan, the loan is reported at the fair value of the collateral.
Transfers and Servicing of Financial Assets, Transfers of Financial Assets, Policy [Policy Text Block]	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 the Corporation, 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 the Corporation does not maintain effective control over the transferred assets through an agreement to repurchase them before their maturity.
Property, Plant and Equipment, Policy [Policy Text Block]	Bank Premises and Equipment Land is carried at cost. Other bank premises and equipment are carried at cost, less accumulated depreciation and amortization. Buildings are depreciated using the straight-line method over their estimated useful lives, which range from thirty-one to forty years. Building and leasehold improvements are depreciated using the straight-line method over the remaining lives of the buildings or leases, as applicable, or their estimated useful lives, whichever is shorter. The lives of the respective leases range from five to twenty years. Furniture, fixtures and equipment are depreciated using the straight-line method over their estimated useful lives, which range from three to ten years.
Bank Owned Life Insurance, Policy [Policy Text Block]	Bank-owned Life Insurance The Bank is the owner and beneficiary of insurance policies on the lives of certain officers. Bank-owned life insurance (“BOLI”) is recorded at the amount that can be realized under the contract at the balance sheet date, which is the cash surrender value adjusted for other charges or amounts due that are probable at settlement.
Restricted Stock Policy [Policy Text Block]	Restricted Stock The Bank is a member of and owns stock in the Federal Home Loan Bank of New York (“FHLB of New York”) and the Federal Reserve Bank of New York (“FRB”). The FHLB of New York requires member banks to own stock, the amount of which is based on membership and the level of FHLB of New York advances. These stocks do not have a readily determinable fair value, are carried at cost, classified as restricted stock and periodically evaluated for impairment based on the prospects for the ultimate recovery of cost. Cash dividends, if any, are reported as interest income on taxable investment securities.
Long-term Assets Policy [Policy Text Block]	Long-term Assets Premises and equipment, intangible assets, BOLI and other long-term assets, if any, are reviewed for impairment when events indicate that their carrying amount may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.
Loan Commitments, Policy [Policy Text Block]	Loan Commitments and Related Financial Instruments Financial instruments include off balance sheet credit instruments, such as commitments to make loans, commercial letters of credit and standby letters of credit. The face amount of these items represents the exposure to loss, before considering customer collateral or ability to repay. The Bank maintains a reserve for losses on off-balance-sheet credit exposures which is included in accrued expense and other liabilities on the consolidated balance sheet. Off-balance-sheet credit instruments are recorded on the balance sheet when they are funded or drawn down.
Checking Deposits Policy [Policy Text Block]	Checking Deposits Each of the Bank’s commercial checking accounts has a related noninterest-bearing sweep account. The sole purpose of the sweep accounts is to reduce the reserve balances that the Bank is required to maintain with the FRB, and thereby increase funds available for investment. Although the sweep accounts are classified as savings accounts for regulatory purposes, they are included in checking deposits in the accompanying consolidated balance sheets.
Income Tax, Policy [Policy Text Block]	Income Taxes A current tax liability or asset is recognized for the estimated taxes payable or refundable on tax returns for the current year. A deferred tax liability or asset is recognized for the estimated future tax effects attributable to temporary differences and carryforwards. The measurement of deferred tax assets is reduced, if necessary, by the amount of any tax benefits that, based on available evidence, are not expected to be realized. The measurement of current and deferred tax liabilities and assets is based on provisions of the enacted tax law. The effects of future changes in tax laws or rates are not considered. The Corporation recognizes interest and/or penalties related to income tax matters in noninterest income or noninterest expense as appropriate.
Pension and Other Postretirement Plans, Policy [Policy Text Block]	Retirement Plans Pension expense is the sum of service cost, interest cost, amortization of prior service costs and actuarial gains and losses and plan expenses, net of the expected return on plan assets and participant contributions. Employee 401(k) plan expense is equal to the amount of matching contributions.
Commitments and Contingencies, Policy [Policy Text Block]	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated.
Stockholders' Equity, Policy [Policy Text Block]	Stockholders’ Equity Earnings Per Share . Shares Tendered Upon the Exercise of Stock Options and Withheld Upon the Vesting of RSUs . Stock Split.
Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]	Stock-based Compensation The Corporation’s stock-based compensation plans are described in Note J. Compensation cost is determined for stock options and RSUs issued to employees and non-employee directors based on the grant date fair value of the award. The cost is recognized over the period during which a participant is required to provide service in exchange for the award, which is usually the vesting period. For stock options, compensation expense is recognized ratably over the five-year vesting period or the period from the grant date to the participant’s eligible retirement date, whichever is shorter. Compensation expense for performance-based RSUs is recognized over a three-year performance period and adjusted periodically to reflect the estimated number of shares of the Corporation’s common stock into which the RSUs will ultimately be convertible. However, if the period between the grant date and a participant’s eligible retirement date is less than three years and the RSUs immediately vest in the event of retirement, compensation expense is recognized ratably over this shorter period without regard to performance. Compensation expense for service-based RSUs is recognized over the applicable service-based vesting periods. Compensation expense of $358,000 for RSUs awarded in 2014 with immediate vesting was recognized in full on the grant date. In determining compensation expense for stock options and RSUs outstanding and not yet vested, the Corporation assumes, based on prior experience that no forfeitures will occur.
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income Comprehensive income includes net income and other comprehensive income. Other comprehensive income includes revenues, expenses, gains and losses that under generally accepted accounting principles are included in comprehensive income but excluded from net income. Other comprehensive income for the Corporation consists of net unrealized holding gains or losses on available-for-sale securities and changes in the funded status of the Bank’s defined benefit pension plan, both net of related income taxes. Accumulated other comprehensive income is recognized as a separate component of stockholders’ equity. The components of other comprehensive income (loss) and the related tax effects are as follows: 2015 2014 2013 (in thousands) Change in net unrealized holding gains on available-for-sale securities: Change arising during the period $ (1,851 ) $ 18,068 $ (33,061 ) Reclassification adjustment for (gains) losses included in net income (1) (1,183 ) (22 ) 1 Change in net unrealized holding gains on available-for-sale securities (3,034 ) 18,046 (33,060 ) Tax effect (1,249 ) 7,369 (13,123 ) (1,785 ) 10,677 (19,937 ) Change in funded status of pension plan: Unrecognized net gain (loss) arising during the period (2,573 ) (2,597 ) 7,403 Amortization of prior service cost included in pension expense (2) - 16 23 Amortization of net actuarial loss included in pension expense (2) - - 631 (2,573 ) (2,581 ) 8,057 Tax effect (1,097 ) (1,027 ) 3,198 (1,476 ) (1,554 ) 4,859 Other comprehensive income (loss) $ (3,261 ) $ 9,123 $ (15,078 ) (1) Reclassification adjustment represents net realized gains or losses arising from the sale of available-for-sale securities. These net realized gains or losses are included in the consolidated statements of income in the line item, “Net gains on sales of securities.” See “Note B – Investment Securities” for the income tax expense (benefit) related to these net realized gains or losses. (2) Represents the amortization into expense of prior service cost and net actuarial loss relating to the Corporation’s defined benefit pension plan. These items are included in net periodic pension cost (see “Note K – Retirement Plans”) and in the consolidated statements of income in the line item, “Employee benefits.” The income tax expense relating to these costs is included in the consolidated statements of income in the line item, “Income tax expense.” The following sets forth the components of accumulated other comprehensive income, net of tax: Balance 12/31/14 Current Period Change Balance 12/31/15 (in thousands) Unrealized holding gains on available-for-sale securities $ 13,460 $ (1,785 ) $ 11,675 Unrealized actuarial losses on pension plan (2,675 ) (1,476 ) (4,151 ) Total accumulated other comprehensive income, net of tax $ 10,785 $ (3,261 ) $ 7,524
Segment Reporting, Policy [Policy Text Block]	Operating Segments While senior management monitors the revenue streams of the Bank’s various products and services, the identifiable segments are not material and operations are managed and financial performance is evaluated on a company-wide basis. Accordingly, all of the financial operations of the Bank are aggregated in one reportable operating segment.
Investment Management Division Policy [Policy Text Block]	Investment Management Division Assets held in a fiduciary capacity are not assets of the Corporation and, accordingly, are not included in the accompanying consolidated financial statements. The Investment Management Division records fees on the accrual basis.
Reclassification, Policy [Policy Text Block]	Reclassifications When appropriate, items in the prior year financial statements are reclassified to conform to the current period presentation.
New Accounting Pronouncements, Policy [Policy Text Block]	Adoption of New Accounting Standards In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2014-04 “Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.” The amendments in ASU 2014-04 are intended to reduce diversity in practice by clarifying when an in-substance repossession or foreclosure occurs, that is, when a creditor such as the Bank should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan should be derecognized and the real estate property recognized. Additionally, the amendments in ASU 2014-04 require interim and annual disclosure of both the amount of foreclosed residential real estate property held by a creditor and the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. For public entities such as the Corporation, the amendments were effective for interim and annual reporting periods beginning after December 15, 2014. Early adoption in 2014 was permitted. The adoption of ASU 2014-04 on January 1, 2015 did not have a material impact on the Corporation’s financial position, results of operations or disclosures. In June 2014, the FASB issued ASU 2014-11 “Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures.” The amendments in ASU 2014-11 change the accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting. The amendments also require new disclosures about certain transfers of financial assets and the types of collateral pledged in repurchase agreements and similar transactions. For public entities such as the Corporation, the amendments were generally effective for interim and annual reporting periods beginning after December 15, 2014. Early adoption for public entities was prohibited. The adoption of ASU 2014-11 on January 1, 2015 did not have a material impact on the Corporation’s financial position, results of operations or disclosures.
Description Of New Accounting Pronouncements Not Yet Adopted Policy [Policy Text Block]	Impact of Issued But Not Yet Effective Accounting Standards The pronouncements discussed in this section are not intended to be an all-inclusive list, but rather only those pronouncements that could potentially have an impact on the Corporation’s financial position, results of operations or disclosures. In May 2014, the FASB issued ASU 2014-09 “Revenue from Contracts with Customers.” The amendments in ASU 2014-09 are intended to improve financial reporting by providing a comprehensive framework for addressing revenue recognition issues that can be applied to all contracts with customers regardless of industry-specific or transaction-specific fact patterns. While the guidance in ASU 2014-09 supersedes most existing industry-specific revenue recognition accounting guidance, much of a bank’s revenue comes from financial instruments such as debt securities and loans that are scoped-out of the guidance. The amendments also include improved disclosures to enable users of financial statements to better understand the nature, amount, timing and uncertainty of revenue that is recognized. For public entities such as the Corporation, ASU 2014-09, as amended, is effective for interim and annual reporting periods beginning after December 15, 2017. Early adoption is permitted for interim and annual reporting periods beginning after December 15, 2016. Management is currently evaluating the impact that the amendments in ASU 2014-09 could have on the Corporation’s financial position, results of operations and disclosures, but does not currently believe that such impact will be material. In June 2014, the FASB issued ASU 2014-12 “Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period.” ASU 2014-12 provides guidance on the accounting for share-based payments in which the terms of an award provide that an employee can cease rendering service before the end of the period in which a performance target could be achieved and still be eligible to vest in the award if and when the performance target is achieved. The amendments in ASU 2014-12 are effective for interim and annual reporting periods beginning after December 15, 2015. Early adoption is permitted. ASU 2014-12 is not expected to have a material impact on the Corporation’s financial position, results of operations or disclosures. In January 2016, the FASB issued ASU 2016-01 “Financial Instruments – Overall.” The amendments in ASU 2016-01 are intended to improve the recognition, measurement, presentation and disclosure of financial assets and liabilities to provide users of financial statements with information that is more useful for decision-making purposes. Among other changes, ASU 2016-01 would require equity securities to be measured at fair value with changes in fair value recognized through net income, but would allow equity securities that do not have readily determinable fair values to be remeasured at fair value either upon the occurrence of an observable price change or upon identification of an impairment. The amendments would simplify the impairment assessment of such equity securities and would require enhanced disclosure about these investments. ASU 2016-01 would also require separate presentation of financial assets and liabilities by measurement category and type of instrument, such as securities or loans, on the balance sheet or in the notes, and would eliminate certain other disclosures relating to the methods and assumptions used to estimate fair value. For public entities such as the Corporation, the amendments in ASU 2016-01 are effective for interim and annual reporting periods beginning after December 15, 2017. Early adoption is not permitted. ASU 2016-01 is not expected to have a material impact on the Corporation’s financial position, results of operations or disclosures. In February 2016, the FASB issued ASU 2016-02 “Leases.” ASU 2016-02 affects any entity that enters into a lease and is intended to increase the transparency and comparability of financial statements among organizations. The ASU requires, among other changes, a lessee to recognize on its balance sheet a lease asset and a lease liability for those leases previously classified as operating leases. The lease asset would represent the right to use the underlying asset for the lease term and the lease liability would represent the discounted value of the required lease payments to the lessor. The ASU would also require entities to disclose key information about leasing arrangements. ASU 2016-02 is effective for interim and annual reporting periods beginning after December 15, 2018. Early adoption is permitted. Management is currently evaluating the impact that ASU 2016-02 will have on the Corporation’s financial position, results of operations and disclosures.

Note A - Summary of Significa25

Note A - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Comprehensive Income (Loss) [Table Text Block]	2015 2014 2013 (in thousands) Change in net unrealized holding gains on available-for-sale securities: Change arising during the period $ (1,851 ) $ 18,068 $ (33,061 ) Reclassification adjustment for (gains) losses included in net income (1) (1,183 ) (22 ) 1 Change in net unrealized holding gains on available-for-sale securities (3,034 ) 18,046 (33,060 ) Tax effect (1,249 ) 7,369 (13,123 ) (1,785 ) 10,677 (19,937 ) Change in funded status of pension plan: Unrecognized net gain (loss) arising during the period (2,573 ) (2,597 ) 7,403 Amortization of prior service cost included in pension expense (2) - 16 23 Amortization of net actuarial loss included in pension expense (2) - - 631 (2,573 ) (2,581 ) 8,057 Tax effect (1,097 ) (1,027 ) 3,198 (1,476 ) (1,554 ) 4,859 Other comprehensive income (loss) $ (3,261 ) $ 9,123 $ (15,078 )
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Balance 12/31/14 Current Period Change Balance 12/31/15 (in thousands) Unrealized holding gains on available-for-sale securities $ 13,460 $ (1,785 ) $ 11,675 Unrealized actuarial losses on pension plan (2,675 ) (1,476 ) (4,151 ) Total accumulated other comprehensive income, net of tax $ 10,785 $ (3,261 ) $ 7,524

Note B - Investment Securities

Note B - Investment Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investment [Table Text Block]	2015 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value (in thousands) Held-to-Maturity Securities: State and municipals $ 12,922 $ 410 $ - $ 13,332 Pass-through mortgage securities 576 67 - 643 Collateralized mortgage obligations 873 62 - 935 $ 14,371 $ 539 $ - $ 14,910 Available-for-Sale Securities: State and municipals $ 416,957 $ 18,892 $ (156 ) $ 435,693 Pass-through mortgage securities 148,402 810 (1,947 ) 147,265 Collateralized mortgage obligations 152,712 2,720 (690 ) 154,742 $ 718,071 $ 22,422 $ (2,793 ) $ 737,700 2014 Held-to-Maturity Securities: State and municipals $ 19,836 $ 843 $ - $ 20,679 Pass-through mortgage securities 856 110 - 966 Collateralized mortgage obligations 1,141 84 - 1,225 $ 21,833 $ 1,037 $ - $ 22,870 Available-for-Sale Securities: State and municipals $ 393,637 $ 18,612 $ (452 ) $ 411,797 Pass-through mortgage securities 130,966 1,421 (1,206 ) 131,181 Collateralized mortgage obligations 226,879 4,847 (559 ) 231,167 $ 751,482 $ 24,880 $ (2,217 ) $ 774,145
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block]	2015 Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss (in thousands) State and municipals $ 13,148 $ (78 ) $ 5,837 $ (78 ) $ 18,985 $ (156 ) Pass-through mortgage securities 98,504 (1,348 ) 27,365 (599 ) 125,869 (1,947 ) Collateralized mortgage obligations 39,133 (305 ) 12,743 (385 ) 51,876 (690 ) Total temporarily impaired $ 150,785 $ (1,731 ) $ 45,945 $ (1,062 ) $ 196,730 $ (2,793 ) 2014 State and municipals $ 19,386 $ (145 ) $ 21,198 $ (307 ) $ 40,584 $ (452 ) Pass-through mortgage securities - - 100,556 (1,206 ) 100,556 (1,206 ) Collateralized mortgage obligations 15,420 (84 ) 17,227 (475 ) 32,647 (559 ) Total temporarily impaired $ 34,806 $ (229 ) $ 138,981 $ (1,988 ) $ 173,787 $ (2,217 )
Realized Gain (Loss) on Investments [Table Text Block]	2015 2014 2013 (in thousands) Proceeds $ 69,649 $ 3,390 $ 1,780 Gains $ 1,560 $ 42 $ 48 Losses (377 ) (20 ) (49 ) Net gain (loss) $ 1,183 $ 22 $ (1 )
Investments Classified by Contractual Maturity Date [Table Text Block]	Amortized Cost Fair Value (in thousands) Held-to-Maturity Securities: Within one year $ 3,407 $ 3,419 After 1 through 5 years 6,714 6,998 After 5 through 10 years 2,237 2,329 After 10 years 564 586 Mortgage-backed securities 1,449 1,578 $ 14,371 $ 14,910 Available-for-Sale Securities: Within one year $ 10,374 $ 10,565 After 1 through 5 years 34,279 35,334 After 5 through 10 years 157,126 163,520 After 10 years 215,178 226,274 Mortgage-backed securities 301,114 302,007 $ 718,071 $ 737,700

Note C - Loans (Tables)

Note C - Loans (Tables)	12 Months Ended
	Dec. 31, 2015
Receivables [Abstract]
Finance Receivables Individually and Collectively Evaluated for Impairment [Table Text Block]	December 31, 2015 Loans Allowance for Loan Losses Individually Evaluated for Impairment Collectively Evaluated for Impairment Ending Balance Individually Evaluated for Impairment Collectively Evaluated for Impairment Ending Balance (in thousands) Commercial and industrial $ - $ 93,056 $ 93,056 $ - $ 928 $ 928 Commercial mortgages: Multifamily - 572,322 572,322 - 6,858 6,858 Other - 348,909 348,909 - 3,674 3,674 Owner-occupied 594 114,506 115,100 - 1,047 1,047 Residential mortgages: Closed end 3,797 1,021,418 1,025,215 428 13,211 13,639 Revolving home equity 522 87,326 87,848 - 1,016 1,016 Consumer and other - 5,733 5,733 - 94 94 $ 4,913 $ 2,243,270 $ 2,248,183 $ 428 $ 26,828 $ 27,256 December 31, 2014 Commercial and industrial $ 16 $ 77,124 $ 77,140 $ - $ 838 $ 838 Commercial mortgages: Multifamily 303 528,790 529,093 - 7,207 7,207 Other - 222,537 222,537 - 2,340 2,340 Owner-occupied 630 106,715 107,345 - 1,023 1,023 Residential mortgages: Closed end 1,083 778,911 779,994 60 10,539 10,599 Revolving home equity 376 82,733 83,109 - 1,121 1,121 Consumer and other - 5,601 5,601 - 93 93 $ 2,408 $ 1,802,411 $ 1,804,819 $ 60 $ 23,161 $ 23,221 December 31, 2013 Commercial and industrial $ 34 $ 71,784 $ 71,818 $ 1 $ 807 $ 808 Commercial mortgages: Multifamily 347 469,139 469,486 - 7,348 7,348 Other 3,037 159,837 162,874 - 1,501 1,501 Owner-occupied 657 82,994 83,651 127 1,064 1,191 Residential mortgages: Closed end 1,539 603,804 605,343 149 8,458 8,607 Revolving home equity 211 77,370 77,581 - 1,240 1,240 Consumer and other - 7,184 7,184 - 153 153 $ 5,825 $ 1,472,112 $ 1,477,937 $ 277 $ 20,571 $ 20,848
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Balance at 1/1/15 Chargeoffs Recoveries Provision for Loan Losses (Credit) Balance at 12/31/15 (in thousands) Commercial and industrial $ 838 $ 166 $ 7 $ 249 $ 928 Commercial mortgages: Multifamily 7,207 91 27 (285 ) 6,858 Other 2,340 1 39 1,296 3,674 Owner-occupied 1,023 - - 24 1,047 Residential mortgages: Closed end 10,599 7 9 3,038 13,639 Revolving home equity 1,121 67 5 (43 ) 1,016 Consumer and other 93 37 - 38 94 $ 23,221 $ 369 $ 87 $ 4,317 $ 27,256 Balance at 1/1/14 Chargeoffs Recoveries Provision for Loan Losses (Credit) Balance at 12/31/14 (in thousands) Commercial and industrial $ 808 $ 96 $ 2 $ 124 $ 838 Commercial mortgages: Multifamily 7,348 - - (141 ) 7,207 Other 1,501 37 - 876 2,340 Owner-occupied 1,191 400 - 232 1,023 Residential mortgages: Closed end 8,607 121 3 2,110 10,599 Revolving home equity 1,240 173 4 50 1,121 Consumer and other 153 7 9 (62 ) 93 $ 20,848 $ 834 $ 18 $ 3,189 $ 23,221 Balance at 1/1/13 Chargeoffs Recoveries Provision for Loan Losses (Credit) Balance at 12/31/13 Commercial and industrial $ 834 $ - $ 19 $ (45 ) $ 808 Commercial mortgages: Multifamily 5,342 - - 2,006 7,348 Other 1,978 - 113 (590 ) 1,501 Owner-occupied 1,163 - - 28 1,191 Residential mortgages: Closed end 7,729 914 13 1,779 8,607 Revolving home equity 1,453 - - (213 ) 1,240 Consumer and other 125 18 14 32 153 $ 18,624 $ 932 $ 159 $ 2,997 $ 20,848
Impaired Financing Receivables [Table Text Block]	2015 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized (in thousands) With no related allowance recorded: Commercial mortgages - owner-occupied $ 594 $ 654 $ - $ 612 $ - Residential mortgages: Closed end 306 405 - 530 - Revolving home equity 522 521 - 525 6 With an allowance recorded: Residential mortgages - closed end 3,491 3,494 428 3,555 89 Total: Commercial mortgages - owner-occupied 594 654 - 612 - Residential mortgages: Closed end 3,797 3,899 428 4,085 89 Revolving home equity 522 521 - 525 6 $ 4,913 $ 5,074 $ 428 $ 5,222 $ 95 2014 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized (in thousands) With no related allowance recorded: Commercial and industrial $ 16 $ 16 $ - $ 25 $ 2 Commercial mortgages: Multifamily 303 368 - 321 - Owner-occupied 630 663 - 641 - Residential mortgages: Closed end 216 270 - 230 - Revolving home equity 376 372 - 376 - With an allowance recorded: Residential mortgages - closed end 867 893 60 891 27 Total: Commercial and industrial 16 16 - 25 2 Commercial mortgages: Multifamily 303 368 - 321 - Owner-occupied 630 663 - 641 - Residential mortgages: Closed end 1,083 1,163 60 1,121 27 Revolving home equity 376 372 - 376 - $ 2,408 $ 2,582 $ 60 $ 2,484 $ 29 2013 With no related allowance recorded: Commercial mortgages: Multifamily $ 347 $ 400 $ - $ 361 $ - Other 3,037 3,084 - 3,081 101 Residential mortgages: Closed end 580 617 - 594 6 Revolving home equity 211 213 - 211 - With an allowance recorded: Commercial and industrial 34 34 1 41 2 Commercial mortgages - owner-occupied 657 666 127 661 - Residential mortgages - closed end 959 969 149 997 22 Total: Commercial and industrial 34 34 1 41 2 Commercial mortgages: Multifamily 347 400 - 361 - Other 3,037 3,084 - 3,081 101 Owner-occupied 657 666 127 661 - Residential mortgages: Closed end 1,539 1,586 149 1,591 28 Revolving home equity 211 213 - 211 - $ 5,825 $ 5,983 $ 277 $ 5,946 $ 131
Past Due Financing Receivables [Table Text Block]	December 31, 2015 30-59 Days Past Due 60-89 Days Past Due Past Due 90 Days or More and Still Accruing Nonaccrual Loans Total Past Due Loans and Nonaccrual Loans Current Total Loans (in thousands) Commercial and industrial $ - $ - $ - $ - $ - $ 93,056 $ 93,056 Commercial mortgages: Multifamily - - - - - 572,322 572,322 Other - - - - - 348,909 348,909 Owner-occupied - - - 594 594 114,506 115,100 Residential mortgages: Closed end 991 - - 456 1,447 1,023,768 1,025,215 Revolving home equity - - - 280 280 87,568 87,848 Consumer and other 12 - - - 12 5,721 5,733 $ 1,003 $ - $ - $ 1,330 $ 2,333 $ 2,245,850 $ 2,248,183 December 31, 2014 Commercial and industrial $ - $ - $ - $ - $ - $ 77,140 $ 77,140 Commercial mortgages: Multifamily 954 - - 303 1,257 527,836 529,093 Other - - - - - 222,537 222,537 Owner-occupied - - - 630 630 106,715 107,345 Residential mortgages: Closed end 1,059 - - 395 1,454 778,540 779,994 Revolving home equity 74 99 - 376 549 82,560 83,109 Consumer and other - - - - - 5,601 5,601 $ 2,087 $ 99 $ - $ 1,704 $ 3,890 $ 1,800,929 $ 1,804,819
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	Outstanding Recorded Investment Interest Rates Number of Loans Pre- Modification Post- Modification Pre- Modification Post- Modification (in thousands) 2015: Residential mortgages: Closed end 1 $ 2,713 $ 2,713 5.25% 4.00% Revolving home equity 1 245 245 5.25% 4.00% 2 $ 2,958 $ 2,958 2013: Commercial mortgages - owner-occupied 2 $ 658 $ 658 5.00% and 5.75% 2.50% Residential mortgages - closed end 2 259 259 3.25% and 6.50% 3.75% 4 $ 917 $ 917
Financing Receivable Credit Quality Indicators [Table Text Block]	December 31, 2015 Internally Assigned Risk Rating Pass Watch Special Mention Substandard Doubtful Total (in thousands) Commercial and industrial $ 91,950 $ 1,106 $ - $ - $ - $ 93,056 Commercial mortgages: Multifamily 567,467 - 4,855 - - 572,322 Other 346,419 900 - 1,590 - 348,909 Owner-occupied 110,641 3,865 - 594 - 115,100 $ 1,116,477 $ 5,871 $ 4,855 $ 2,184 $ - $ 1,129,387 December 31, 2014 Commercial and industrial $ 76,884 $ 65 $ - $ 191 $ - $ 77,140 Commercial mortgages: Multifamily 519,274 7,610 1,906 303 - 529,093 Other 219,997 900 - 1,640 - 222,537 Owner-occupied 106,443 - - 902 - 107,345 $ 922,598 $ 8,575 $ 1,906 $ 3,036 $ - $ 936,115 December 31, 2015 Internally Assigned Risk Rating Pass Watch Special Mention Substandard Doubtful Total (in thousands) Residential mortgages: Closed end $ 1,020,393 $ 1,025 $ - $ 3,797 $ - $ 1,025,215 Revolving home equity 87,326 - - 522 - 87,848 Consumer and other 5,443 - - - - 5,443 $ 1,113,162 $ 1,025 $ - $ 4,319 $ - $ 1,118,506 December 31, 2014 Residential mortgages: Closed end $ 777,846 $ 1,066 $ - $ 1,082 $ - $ 779,994 Revolving home equity 82,730 99 - 280 - 83,109 Consumer and other 5,122 - - - - 5,122 $ 865,698 $ 1,165 $ - $ 1,362 $ - $ 868,225

Note D - Premises and Equipme28

Note D - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment [Table Text Block]	December 31, 2015 2014 (in thousands) Land $ 6,352 $ 5,985 Buildings and improvements 20,894 19,462 Leasehold improvements 10,263 8,782 Furniture and equipment 26,196 24,797 Construction in process 2,208 1,570 65,913 60,596 Accumulated depreciation and amortization (35,583 ) (32,742 ) $ 30,330 $ 27,854

Note E - Deposits (Tables)

Note E - Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Schedule of Remaining Maturities of Banks Time Deposits [Table Text Block]	Less than $100,000 or $100,000 More Total (in thousands) 2016 $ 38,165 $ 83,802 $ 121,967 2017 4,364 5,421 9,785 2018 12,010 27,894 39,904 2019 35,630 53,783 89,413 2020 6,440 9,739 16,179 Thereafter 15,957 17,508 33,465 $ 112,566 $ 198,147 $ 310,713

Note F - Borrowed Funds (Tables

Note F - Borrowed Funds (Tables)	12 Months Ended
	Dec. 31, 2015
Debt Disclosure [Abstract]
Schedule of Debt [Table Text Block]	December 31, 2015 2014 (in thousands) Short-term borrowings: Securities sold under repurchase agreements $ 11,502 $ 11,486 Federal Home Loan Bank advances 200,000 125,000 211,502 136,486 Long-term debt: Securities sold under repurchase agreements 35,000 45,000 Federal Home Loan Bank advances 330,712 300,000 365,712 345,000 $ 577,214 $ 481,486
Securities Sold Under Repurchase Agreements Activity For Year [Table Text Block]	2015 2014 (dollars in thousands) Average daily balance during the year $ 51,297 $ 57,511 Average interest rate during the year 3.44 % 3.53 % Maximum month-end balance during the year $ 56,903 $ 61,152 Weighted average interest rate at year-end 3.40 % 3.54 %
Contractual Maturities and Weighted Average Interest Rates of Securities Sold Under Repurchase Agreements [Table Text Block]	Contractual Maturity (dollars in thousands) Amount Weighted Average Rate Overnight $ 11,502 0.10 % 2017 30,000 4.33 2018 5,000 5.45 35,000 4.49 $ 46,502 3.40 %
Federal Home Loan Bank Advances Activity For Year [Table Text Block]	2015 2014 (dollars in thousands) Average daily balance during the year $ 367,897 $ 290,409 Average interest rate during the year 1.69 % 1.68 % Maximum month-end balance during the year $ 530,712 $ 425,000 Weighted average interest rate at year-end 1.33 % 1.42 %
Contractual Maturities and Weighted Average Interest Rates of FHIB [Table Text Block]	Contractual Maturity (dollars in thousands) Amount Weighted Average Rate Overnight $ 200,000 .52 % 2017 27,050 1.51 2018 96,450 1.71 2019 73,500 1.91 2020 70,250 1.85 After 2020 63,462 2.01 330,712 1.82 $ 530,712 1.33 %

Note G - Income Taxes (Tables)

Note G - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	Year Ended December 31, 2015 2014 2013 Statutory federal income tax rate 35.0 % 35.0 % 35.0 % State and local income taxes, net of federal income tax benefit 2.1 2.4 3.3 Tax-exempt income, net of disallowed cost of funding (14.9 ) (16.4 ) (17.0 ) Other .2 (.1 ) (.1 ) 22.4 % 20.9 % 21.2 %
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Year Ended December 31, 2015 2014 2013 (in thousands) Current: Federal $ 7,473 $ 4,943 $ 5,046 State and local 874 1,746 1,490 8,347 6,689 6,536 Deferred: Federal (1,059 ) 61 (692 ) State and local 178 (655 ) (109 ) (881 ) (594 ) (801 ) $ 7,466 $ 6,095 $ 5,735
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	December 31, 2015 2014 (in thousands) Deferred tax assets: Allowance for loan losses and off-balance-sheet credit exposure $ 11,301 $ 9,005 Interest on nonperforming loans 109 101 Accrued bonuses 414 - Accrued legal settlement - 39 Stock-based compensation 1,465 1,187 Supplemental executive retirement expense 36 20 Directors' retirement expense 65 67 Accrued rent expense 240 186 Depreciation 442 125 14,072 10,730 Valuation allowance - - 14,072 10,730 Deferred tax liabilities: Prepaid pension 5,785 6,321 Unrealized gains on available-for-sale securities 8,084 8,882 Deferred loan costs 5,186 3,746 Prepaid expenses 84 80 Other 138 134 19,277 19,163 Net deferred tax liability $ 5,205 $ 8,433

Note H - Regulatory Matters (Ta

Note H - Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	2015 Actual Capital Minimum Capital Adequacy Requirement Minimum To Be Well Capitalized Under Prompt Corrective Action Provisions (dollars in thousands) Amount Ratio Amount Ratio Amount Ratio Tier 1 Capital to Average Assets: Consolidated $ 243,192 7.98 % $ 121,940 4.00 % N/A N/A Bank 241,516 7.92 121,938 4.00 $ 152,422 5.00 % Common Equity Tier 1 to Risk Weighted Assets: Consolidated 243,192 12.92 84,673 4.50 N/A N/A Bank 241,516 12.84 84,660 4.50 122,286 6.50 Tier 1 Capital to Risk Weighted Assets: Consolidated 243,192 12.92 112,897 6.00 N/A N/A Bank 241,516 12.84 112,880 6.00 150,506 8.00 Total Capital to Risk Weighted Assets: Consolidated 266,760 14.18 150,530 8.00 N/A N/A Bank 265,080 14.09 150,506 8.00 188,133 10.00 2014 Tier 1 Capital to Average Assets: Consolidated $ 222,298 8.49 % $ 104,673 4.00 % N/A N/A Bank 222,098 8.49 104,670 4.00 $ 130,838 5.00 % Tier 1 Capital to Risk Weighted Assets: Consolidated 222,298 14.24 62,447 4.00 N/A N/A Bank 222,098 14.23 62,431 4.00 93,647 6.00 Total Capital to Risk Weighted Assets: Consolidated 241,860 15.49 124,894 8.00 N/A N/A Bank 241,655 15.48 124,863 8.00 156,079 10.00

Note J - Stock-based Compensa33

Note J - Stock-based Compensation (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	2015 2014 2013 Performance- Based Vesting Service- Based Vesting Performance- Based Vesting Service- Based Vesting Immediate Vesting Performance- Based Vesting Grant date fair value $ 21.18 $23.42 to $25.41 $ 25.99 $25.99 to $26.68 $ 25.90 $ 17.79 Market price on date of grant $ 23.45 $25.70 to $27.77 $ 28.07 $28.07 $ 25.90 $ 19.78 Expected annual dividend $ 0.76 $0.80 $ 0.69 $0.69 - $ 0.67 Expected term (in years) 3.0 3.0 3.0 2.0 to 3.0 - 3.0 Risk-free interest rate .21 % .28% to .38% .13 % .13% - .12 %
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	Number of Options Weighted- Average Exercise Price Weighted- Average Remaining Contractual Term (yrs.) Aggregate Intrinsic Value (in thousands) Outstanding at January 1, 2015 278,925 $ 15.74 Granted 500 25.59 Exercised (47,843 ) 14.78 Forfeited or expired (138 ) 19.35 Outstanding at December 31, 2015 231,444 $ 15.96 3.23 $ 3,249 Exercisable at December 31, 2015 217,583 $ 15.73 3.11 $ 3,105
Schedule of Share-based Compensation, Restricted Stock and Restricted Stock Units Activity [Table Text Block]	Number of RSUs Weighted- Average Grant-Date Fair Value Weighted- Average Remaining Contractual Term (yrs.) Aggregate Intrinsic Value (in thousands) Outstanding at January 1, 2015 127,181 $ 20.56 Granted 75,238 21.39 Converted (41,138 ) 17.21 Forfeited (3,930 ) 20.57 Outstanding at December 31, 2015 157,351 $ 21.83 1.21 $ 4,721 Vested and Convertible at December 31, 2015 38,761 $ 17.79 - $ 1,163

Note K - Retirement Plans (Tabl

Note K - Retirement Plans (Tables)	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Schedule of Assumptions Used [Table Text Block]	2015 2014 2013 Weighted average assumptions used to determine the benefit obligation at year end Discount rate 4.54% 4.02% 5.07% Rate of increase in compensation levels 3.50% 3.50% 3.50% Weighted average assumptions used to determine net pension cost Discount rate 4.02% 5.07% 4.06% Rate of increase in compensation levels 3.50% 3.50% 3.50% Expected long-term rate of return on plan assets 6.00% 6.50% 6.50%
Schedule of Costs of Retirement Plans [Table Text Block]	2015 2014 2013 (in thousands) Service cost plus expected expenses and net of expected plan participant contributions $ 1,189 $ 1,115 $ 1,211 Interest cost 1,408 1,407 1,216 Expected return on plan assets (3,086 ) (3,009 ) (2,656 ) Amortization of prior service cost - 16 23 Amortization of net actuarial loss - - 631 Net pension cost (credit) $ (489 ) $ (471 ) $ 425
Schedule of Net Funded Status [Table Text Block]	2015 2014 2013 (in thousands) Change in projected benefit obligation: Projected benefit obligation at beginning of year $ 35,787 $ 28,650 $ 30,698 Service cost 1,267 1,051 1,211 Interest cost 1,408 1,407 1,216 Benefits paid (1,288 ) (1,160 ) (1,019 ) Assumption changes (3,185 ) 6,302 (3,907 ) Experience loss (gain) and other 1,695 (463 ) 451 Projected benefit obligation at end of year 35,684 35,787 28,650 Change in fair value of plan assets: Fair value of plan assets at beginning of year 52,208 47,182 41,598 Actual return on plan assets (1,071 ) 6,009 6,660 Plan participant contributions 270 251 245 Benefits paid (1,288 ) (1,160 ) (1,019 ) Expenses (98 ) (74 ) (302 ) Fair value of plan assets at end of year 50,021 52,208 47,182 Funded status at end of year $ 14,337 $ 16,421 $ 18,532 Accumulated Benefit Obligation $ 32,716 $ 33,403 $ 26,261
Schedule of Allocation of Plan Assets [Table Text Block]	December 31, 2015 Target Allocation Percentage of Plan Assets Weighted Average Expected Long-term Rates of Return Cash equivalents 0% - 1% .2 % <1.00% Equity mutual funds 15% - 25% 19.6 % 5.80% to 11.70% Fixed income mutual funds 75% - 85% 80.2 % 3.55% to 4.55% 100.0 % 3.95% to 5.95% December 31, 2014 Cash equivalents 0% - 1% .2 % <1.00% Equity mutual funds 25% - 35% 29.7 % 6.60% to 12.00% Fixed income mutual funds 65% - 75% 70.1 % 3.90% to 5.00% 100.0 % 4.70% to 7.10%
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]	Fair Value Measurements Using: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) December 31, 2015: Cash equivalents: Vanguard Prime Money Market Mutual Fund $ 98 $ - $ 98 $ - Total cash equivalents 98 - 98 - Equity mutual funds: Vanguard Total Stock Market Index Fund (VITSX) 5,392 5,392 - - Vanguard Total International Stock Index Fund (VTSNX) 4,416 4,416 - - Total equity funds 9,808 9,808 - - Fixed income mutual funds: Vanguard Long-Term Investment Grade Fund (VWETX) 24,053 24,053 - - Vanguard Long-Term Bond Index Fund (VBLLX) 16,062 16,062 - - Total fixed income mutual funds 40,115 40,115 - - Total Plan Assets $ 50,021 $ 49,923 $ 98 $ - December 31, 2014: Cash equivalents: Vanguard Prime Money Market Mutual Fund $ 92 $ - $ 92 $ - Total cash equivalents 92 - 92 - Equity mutual funds: Vanguard Total Stock Market Index Fund (VITSX) 8,226 8,226 - - Vanguard Total International Stock Index Fund (VTSNX) 7,264 7,264 - - Total equity funds 15,490 15,490 - - Fixed income mutual funds: Vanguard Long-Term Investment Grade Fund (VWETX) 15,706 15,706 - - Vanguard Long-Term Bond Index Fund (VBLLX) 20,920 20,920 - - Total fixed income mutual funds 36,626 36,626 - - Total Plan Assets $ 52,208 $ 52,116 $ 92 $ -
Schedule of Expected Benefit Payments [Table Text Block]	Year Amount (in thousands) 2016 $ 1,462 2017 1,659 2018 1,788 2019 1,899 2020 2,077 2021 - 2025 12,204

Note L - Other Operating Expe35

Note L - Other Operating Expenses (Tables)	12 Months Ended
	Dec. 31, 2015
Other Income and Expenses [Abstract]
Schedule of Other Operating Cost and Expense, by Component [Table Text Block]	2015 2014 2013 (in thousands) Computer services $ 2,212 $ 1,970 $ 1,985 FDIC assessment 1,472 1,278 1,139 Marketing 877 927 670

Note M - Commitments and Cont36

Note M - Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2015
Commitments and Contingencies Disclosure [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	2015 2014 Fixed Rate Variable Rate Fixed Rate Variable Rate (in thousands) Commitments to extend credit $ 13,092 $ 235,368 $ 10,655 $ 203,809 Standby letters of credit 5,758 - 4,043 -
Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]	Year Amount (in thousands) 2016 $ 1,933 2017 1,886 2018 1,661 2019 1,491 2020 1,349 Thereafter 4,248 $ 12,568

Note N - Fair Value of Financ37

Note N - Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Fair Value Measurements Using: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) Available-for-Sale Securities: December 31, 2015: State and municipals $ 435,693 $ - $ 435,693 $ - Pass-through mortgage securities 147,265 - 147,265 - Collateralized mortgage obligations 154,742 - 154,742 - $ 737,700 $ - $ 737,700 $ - December 31, 2014: State and municipals $ 411,797 $ - $ 411,797 $ - Pass-through mortgage securities 131,181 - 131,181 - Collateralized mortgage obligations 231,167 - 231,167 - $ 774,145 $ - $ 774,145 $ -
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Measurements Using: Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) (in thousands) December 31, 2015: Residential mortgages held-for-sale: Closed end $ 25 $ - $ - $ 25 Revolving home equity 80 - - 80 $ 105 $ - $ - $ 105 Impaired loans: Residential mortgages - closed end $ 119 $ - $ - $ 119 December 31, 2014: Impaired loans: Residential mortgages - closed end $ 173 $ - $ - $ 173
Fair Value, by Balance Sheet Grouping [Table Text Block]	Level of December 31, 2015 December 31, 2014 Fair Value Hierarchy Carrying Amount Fair Value Carrying Amount Fair Value (in thousands) Financial Assets: Cash and cash equivalents Level 1 $ 39,635 $ 39,635 $ 32,944 $ 32,944 Held-to-maturity securities Level 2 12,366 12,905 21,119 22,156 Held-to-maturity securities Level 3 2,005 2,005 714 714 Loans Level 3 2,220,808 2,203,418 1,781,425 1,765,202 Restricted stock Level 1 28,435 28,435 23,304 23,304 Accrued interest receivable: Investment securities Level 2 4,403 4,403 4,689 4,689 Loans Level 3 5,501 5,501 4,355 4,355 Financial Liabilities: Checking deposits Level 1 777,994 777,994 655,753 655,753 Savings, NOW and money market deposits Level 1 1,195,968 1,195,968 1,000,325 1,000,325 Time deposits Level 2 310,713 313,331 328,947 333,992 Short-term borrowings Level 1 211,502 211,502 136,486 136,486 Long-term debt Level 2 365,712 364,935 345,000 348,519 Accrued interest payable: Checking, savings, NOW and money market deposits Level 1 43 43 27 27 Time deposits Level 2 3,224 3,224 5,077 5,077 Short-term borrowings Level 1 3 3 1 1 Long-term debt Level 2 669 669 667 667

Note O - Parent Company Finan38

Note O - Parent Company Financial Information (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Balance Sheet [Table Text Block]	December 31, 2015 2014 (in thousands) Assets: Cash and due from banks $ 2,351 $ 1,256 Investment in subsidiary bank, at equity 249,260 233,103 Prepaid income taxes 719 357 Deferred income tax benefits 1,464 1,186 Other assets 4 43 $ 253,798 $ 235,945 Liabilities: Other liabilities $ 39 $ - Cash dividends payable 2,823 2,642 2,862 2,642 Stockholders' equity: Common stock 1,412 1,389 Surplus 56,931 51,009 Retained earnings 185,069 170,120 243,412 222,518 Accumulated other comprehensive income, net of tax 7,524 10,785 250,936 233,303 $ 253,798 $ 235,945
Condensed Income Statement [Table Text Block]	Year ended December 31, 2015 2014 2013 (in thousands) Income: Dividends from subsidiary bank $ 7,500 $ 6,000 $ 3,900 Expenses: Salaries 1,319 1,511 592 Other operating expenses 541 409 408 1,860 1,920 1,000 Income before income taxes 5,640 4,080 2,900 Income tax benefit (832 ) (759 ) (397 ) Income before undistributed earnings of subsidiary bank 6,472 4,839 3,297 Equity in undistributed earnings 19,418 18,175 18,003 Net income $ 25,890 $ 23,014 $ 21,300 Comprehensive income $ 22,629 $ 32,137 $ 6,222
Condensed Cash Flow Statement [Table Text Block]	Year ended December 31, 2015 2014 2013 (in thousands) Cash Flows From Operating Activities: Net income $ 25,890 $ 23,014 $ 21,300 Adjustments to reconcile net income to net cash provided by operating activities: Undistributed earnings of subsidiary bank (19,418 ) (18,175 ) (18,003 ) Deferred income tax credit (278 ) (289 ) (67 ) Stock-based compensation expense 1,319 1,511 592 (Increase) decrease in prepaid income taxes (362 ) 139 105 (Increase) decrease in other assets 38 (41 ) (1 ) Increase (decrease) in other liabilities 39 (12 ) 12 Net cash provided by operating activities 7,228 6,147 3,938 Cash Flows From Financing Activities: Repurchase and retirement of common stock (287 ) (286 ) (95 ) Proceeds from exercise of stock options 707 1,055 1,418 Tax benefit of stock compensation plans 336 224 162 Proceeds from issuance of common stock 3,870 2,185 2,167 Cash dividends paid (10,759 ) (9,736 ) (6,904 ) Net cash used in financing activities (6,133 ) (6,558 ) (3,252 ) Net increase (decrease) in cash and cash equivalents* 1,095 (411 ) 686 Cash and cash equivalents, beginning of year 1,256 1,667 981 Cash and cash equivalents, end of year $ 2,351 $ 1,256 $ 1,667 Supplemental Schedule of Noncash Financing Activities: Cash dividends payable $ 2,823 $ 2,642 $ 2,376

Note P - Quarterly Financial 39

Note P - Quarterly Financial Data (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2015
Quarterly Financial Information Disclosure [Abstract]
Schedule of Quarterly Financial Information [Table Text Block]	First Quarter Second Quarter Third Quarter Fourth Quarter Total (in thousands, except per share data) 2015 Interest income $ 22,058 $ 22,667 $ 22,903 $ 24,507 $ 92,135 Interest expense 4,252 4,173 3,970 4,134 16,529 Net interest income 17,806 18,494 18,933 20,373 75,606 Provision for loan losses 411 942 1,049 1,915 4,317 Noninterest income before net securities gains 1,956 1,950 1,819 1,709 7,434 Net gains on sales of securities - 1,133 - 191 1,324 Noninterest expense before debt extinguishment costs 11,147 10,958 11,382 12,120 45,607 Debt extinguishment costs - 1,084 - - 1,084 Income before income taxes 8,204 8,593 8,321 8,238 33,356 Income tax expense 1,719 2,317 1,810 1,620 7,466 Net income 6,485 6,276 6,511 6,618 25,890 Earnings per share: Basic .47 .45 .46 .47 1.85 Diluted .46 .44 .46 .46 1.83 Comprehensive income 8,092 670 9,536 4,331 22,629 2014 Interest income $ 19,692 $ 20,018 $ 21,059 $ 21,207 $ 81,976 Interest expense 3,597 3,670 3,817 3,964 15,048 Net interest income 16,095 16,348 17,242 17,243 66,928 Provision for loan losses (credit) (59 ) 982 1,221 1,045 3,189 Noninterest income before net securities gains 1,778 1,748 2,005 1,729 7,260 Net gains on sales of securities 69 49 23 - 141 Noninterest expense 10,190 10,095 10,147 11,599 42,031 Debt extinguishment costs - - - - - Income before income taxes 7,811 7,068 7,902 6,328 29,109 Income tax expense 1,854 1,524 1,848 869 6,095 Net income 5,957 5,544 6,054 5,459 23,014 Earnings per share: Basic .43 .40 .44 .39 1.67 Diluted .43 .40 .43 .39 1.65 Comprehensive income 11,988 10,041 6,114 3,994 32,137

Note A - Summary of Significa40

Note A - Summary of Significant Accounting Policies (Details)	Sep. 16, 2014USD ($)	Dec. 31, 2015USD ($)shares	Dec. 31, 2014USD ($)shares	Dec. 31, 2013USD ($)shares
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period (in Shares) | shares		47,843
Stock Dividend Rate, Percentage	50.00%
Adjustments to Additional Paid in Capital, Stock Split (in Dollars)			$ 46,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition		1 year 313 days
Allocated Share-based Compensation Expense (in Dollars)		$ 1,319,000	$ 1,511,000	$ 592,000
Number of Operating Segments		1
Employee Stock Option [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in Shares) | shares			0	0
Stock Split From [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Adjustments to Additional Paid in Capital, Stock Split (in Dollars)	$ 46,000
Restricted Stock Units (RSUs) [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Exercised (in Shares) | shares		12,227	8,725	3,211
Stock Issued During Period, Value, Restricted Stock Award, Gross (in Dollars)		$ 287,000	$ 265,000	$ 95,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition		1 year 306 days
Allocated Share-based Compensation Expense (in Dollars)			$ 358,000
Employee Stock Option [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period (in Shares) | shares			518
Stock Issued During Period, Value, Stock Options Exercised (in Dollars)			$ 21,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition		4 years 156 days
Minimum [Member] | Building [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life		31 years
Minimum [Member] | Leasehold Improvements [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life		5 years
Minimum [Member] | Furniture and Fixtures [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life		3 years
Maximum [Member] | Restricted Stock Units (RSUs) [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition		3 years
Maximum [Member] | Employee Stock Option [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition		5 years
Maximum [Member] | Building [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life		40 years
Maximum [Member] | Leasehold Improvements [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life		20 years
Maximum [Member] | Furniture and Fixtures [Member]
Note A - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life		10 years

Note A - Summary of Significa41

Note A - Summary of Significant Accounting Policies (Details) - Other Comprehensive Income (Loss) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Change in net unrealized holding gains on available-for-sale securities:
Change arising during the period		$ (1,851)	$ 18,068	$ (33,061)
Reclassification adjustment for (gains) losses included in net income (1)	[1]	(1,183)	(22)	1
Change in net unrealized holding gains on available-for-sale securities		(3,034)	18,046	(33,060)
Tax effect		(1,249)	7,369	(13,123)
		(1,785)	10,677	(19,937)
Change in funded status of pension plan:
Unrecognized net gain (loss) arising during the period		(2,573)	(2,597)	7,403
Amortization of prior service cost included in pension expense (2)	[2]	0	16	23
Amortization of net actuarial loss included in pension expense (2)	[2]	0	0	631
		(2,573)	(2,581)	8,057
Tax effect		(1,097)	(1,027)	3,198
		(1,476)	(1,554)	4,859
Other comprehensive income (loss)		$ (3,261)	$ 9,123	$ (15,078)
[1]	Reclassification adjustment represents net realized gains or losses arising from the sale of available-for-sale securities. These net realized gains or losses are included in the consolidated statements of income in the line item, "Net gains on sales of securities." See "Note B - Investment Securities" for the income tax expense (benefit) related to these net realized gains or losses.
[2]	Represents the amortization into expense of prior service cost and net actuarial loss relating to the Corporation's defined benefit pension plan. These items are included in net periodic pension cost (see "Note K - Retirement Plans") and in the consolidated statements of income in the line item, "Employee benefits." The income tax expense relating to these costs is included in the consolidated statements of income in the line item, "Income tax expense."

Note A - Summary of Significa42

Note A - Summary of Significant Accounting Policies (Details) - Accumulated Other Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accumulated Other Comprehensive Income (Loss) [Abstract]
Unrealized holding gains on available-for-sale securities	$ 13,460
Unrealized holding gains on available-for-sale securities	(1,785)	$ 10,677	$ (19,937)
Unrealized holding gains on available-for-sale securities	11,675	13,460
Unrealized actuarial losses on pension plan	(2,675)
Unrealized actuarial losses on pension plan	(1,476)	(1,554)	4,859
Unrealized actuarial losses on pension plan	(4,151)	(2,675)
Total accumulated other comprehensive income, net of tax	10,785
Total accumulated other comprehensive income, net of tax	(3,261)	9,123	$ (15,078)
Total accumulated other comprehensive income, net of tax	$ 7,524	$ 10,785

Note B - Investment Securitie43

Note B - Investment Securities (Details)	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Note B - Investment Securities (Details) [Line Items]
Marketable Securities	$ 752,071,000	$ 795,978,000
Tax Provision Related to Net Realized Gain on Sale of Available for Sale Securities	487,000	9,000	$ 0
Securities Pledged as Collateral [Member]
Note B - Investment Securities (Details) [Line Items]
Marketable Securities	405,769,000	369,951,000
US States and Political Subdivisions Debt Securities [Member]
Note B - Investment Securities (Details) [Line Items]
Held-to-maturity Securities, Sold Security, at Carrying Value	4,062,000	2,304,000	705,000
Held-to-maturity Securities, Sold Security, Realized Gain (Loss), Excluding Other than Temporary Impairments	$ 141,000	$ 119,000	$ 17,000
Collateralized Mortgage Backed Securities [Member] | Held-to-maturity Securities [Member]
Note B - Investment Securities (Details) [Line Items]
Minimum Balance of Principal Collected Prior to Sale, Percentage		85.00%
Excludes U.S. Government and Its Agencies [Member]
Note B - Investment Securities (Details) [Line Items]
Number of Holdings Greater Than 10% of Stockholders' Equity	0	0

Note B - Investment Securitie44

Note B - Investment Securities (Details) - Amortized Cost and Estimated Fair Values of Investment Securities - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Held-to-Maturity Securities:
Held-to-Maturity Securities, Amortized cost	$ 14,371,000	$ 21,833,000
Held-to-Maturity Securities, Gross unrealized gains	539,000	1,037,000
Held-to-Maturity Securities, Gross unrealized losses	0	0
Held-to-Maturity Securities, Fair value	14,910,000	22,870,000
Available-for-Sale Securities:
Available-for-Sale Securities, Amortized cost	718,071,000	751,482,000
Available-for-Sale Securities, Gross unrealized gains	22,422,000	24,880,000
Available-for-Sale Securities, Gross unrealized losses	(2,793,000)	(2,217,000)
Available-for-Sale Securities, Fair value	737,700,000	774,145,000
US States and Political Subdivisions Debt Securities [Member]
Held-to-Maturity Securities:
Held-to-Maturity Securities, Amortized cost	12,922,000	19,836,000
Held-to-Maturity Securities, Gross unrealized gains	410,000	843,000
Held-to-Maturity Securities, Gross unrealized losses	0	0
Held-to-Maturity Securities, Fair value	13,332,000	20,679,000
Available-for-Sale Securities:
Available-for-Sale Securities, Amortized cost	416,957,000	393,637,000
Available-for-Sale Securities, Gross unrealized gains	18,892,000	18,612,000
Available-for-Sale Securities, Gross unrealized losses	(156,000)	(452,000)
Available-for-Sale Securities, Fair value	435,693,000	411,797,000
Pass-Through Mortgage Securities [Member]
Held-to-Maturity Securities:
Held-to-Maturity Securities, Amortized cost	576,000	856,000
Held-to-Maturity Securities, Gross unrealized gains	67,000	110,000
Held-to-Maturity Securities, Gross unrealized losses	0	0
Held-to-Maturity Securities, Fair value	643,000	966,000
Available-for-Sale Securities:
Available-for-Sale Securities, Amortized cost	148,402,000	130,966,000
Available-for-Sale Securities, Gross unrealized gains	810,000	1,421,000
Available-for-Sale Securities, Gross unrealized losses	(1,947,000)	(1,206,000)
Available-for-Sale Securities, Fair value	147,265,000	131,181,000
Collateralized Mortgage Obligations [Member]
Held-to-Maturity Securities:
Held-to-Maturity Securities, Amortized cost	873,000	1,141,000
Held-to-Maturity Securities, Gross unrealized gains	62,000	84,000
Held-to-Maturity Securities, Gross unrealized losses	0	0
Held-to-Maturity Securities, Fair value	935,000	1,225,000
Available-for-Sale Securities:
Available-for-Sale Securities, Amortized cost	152,712,000	226,879,000
Available-for-Sale Securities, Gross unrealized gains	2,720,000	4,847,000
Available-for-Sale Securities, Gross unrealized losses	(690,000)	(559,000)
Available-for-Sale Securities, Fair value	$ 154,742,000	$ 231,167,000

Note B - Investment Securitie45

Note B - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Note B - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Less than 12 months, fair value	$ 150,785	$ 34,806
Less than 12 months, unrealized loss	(1,731)	(229)
12 months or more, fair value	45,945	138,981
12 months or more, unrealized loss	(1,062)	(1,988)
Total, fair value	196,730	173,787
Total, unrealized loss	(2,793)	(2,217)
US States and Political Subdivisions Debt Securities [Member]
Note B - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Less than 12 months, fair value	13,148	19,386
Less than 12 months, unrealized loss	(78)	(145)
12 months or more, fair value	5,837	21,198
12 months or more, unrealized loss	(78)	(307)
Total, fair value	18,985	40,584
Total, unrealized loss	(156)	(452)
Pass-Through Mortgage Securities [Member]
Note B - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Less than 12 months, fair value	98,504
Less than 12 months, unrealized loss	(1,348)
12 months or more, fair value	27,365	100,556
12 months or more, unrealized loss	(599)	(1,206)
Total, fair value	125,869	100,556
Total, unrealized loss	(1,947)	(1,206)
Collateralized Mortgage Obligations [Member]
Note B - Investment Securities (Details) - Securities in a Continuous Unrealized Loss Position [Line Items]
Less than 12 months, fair value	39,133	15,420
Less than 12 months, unrealized loss	(305)	(84)
12 months or more, fair value	12,743	17,227
12 months or more, unrealized loss	(385)	(475)
Total, fair value	51,876	32,647
Total, unrealized loss	$ (690)	$ (559)

Note B - Investment Securitie46

Note B - Investment Securities (Details) - Sales of Available-for-sale Securities - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Sales of Available-for-sale Securities [Abstract]
Proceeds	$ 69,649	$ 3,390	$ 1,780
Gains	1,560	42	48
Losses	(377)	(20)	(49)
Net gain (loss)	$ 1,183	$ 22	$ (1)

Note B - Investment Securitie47

Note B - Investment Securities (Details) - Maturities - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Held-to-Maturity Securities:
Within one year	$ 3,407
Within one year	3,419
After 1 through 5 years	6,714
After 1 through 5 years	6,998
After 5 through 10 years	2,237
After 5 through 10 years	2,329
After 10 years	564
After 10 years	586
Mortgage-backed securities	1,449
Mortgage-backed securities	1,578
	14,371	$ 21,833
	14,910	22,870
Available-for-Sale Securities:
Within one year	10,374
Within one year	10,565
After 1 through 5 years	34,279
After 1 through 5 years	35,334
After 5 through 10 years	157,126
After 5 through 10 years	163,520
After 10 years	215,178
After 10 years	226,274
Mortgage-backed securities	301,114
Mortgage-backed securities	302,007
	718,071
	$ 737,700	$ 774,145

Note C - Loans (Details)

Note C - Loans (Details)	3 Months Ended								12 Months Ended
	Dec. 31, 2015USD ($)	Sep. 30, 2015USD ($)	Jun. 30, 2015USD ($)	Mar. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Sep. 30, 2014USD ($)	Jun. 30, 2014USD ($)	Mar. 31, 2014USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Note C - Loans (Details) [Line Items]
Mortgage Loans in Process of Foreclosure, Amount	$ 0				$ 0				$ 0	$ 0
Financing Receivable, Modifications, Number of Contracts									2	0	4
Provision for Loan and Lease Losses	1,915,000	$ 1,049,000	$ 942,000	$ 411,000	1,045,000	$ 1,221,000	$ 982,000	$ (59,000)	$ 4,317,000	$ 3,189,000	$ 2,997,000
Allowance for Credit Losses, Change in Method of Calculating Impairment	395,000				60,000				395,000	60,000	208,000
Loans and Leases Receivable, Impaired, Commitment to Lend	0				0				$ 0	$ 0	$ 0
Financing Receivable, Modifications, Subsequent Default, Number of Contracts									0	2	0
Loans Receivable Held-for-sale, Net, Not Part of Disposal Group	$ 105,000								$ 105,000
Loans Receivable Held-for-sale, Allowance for Credit Losses, Write-downs									$ 74,000
Minimum Prior Year Principal Balance of Commercial Real Estate Loans Required to Be Reviewed Annually	60.00%								60.00%
Deposit Liabilities Reclassified as Loans Receivable	$ 290,000				479,000				$ 290,000	$ 479,000
Loans and Leases Receivable, Related Parties	187,000				668,000				187,000	668,000
Loans and Leases Receivable, Related Parties, Additions									40,000
Loans and Leases Receivable, Related Parties, Collections									521,000
Loan and Leases Receivable, Related Parties, Nonaccrual	$ 0				$ 0				0	0
Troubled Debt Restructuring [Member]
Note C - Loans (Details) [Line Items]
Provision for Loan and Lease Losses									332,000		$ 164,000
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down									$ 0
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
Note C - Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts											2
Financing Receivable, Modifications, Subsequent Default, Recorded Investment										$ 630,000

Note C - Loans (Details) - Loan

Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment [Line Items]
Loans, individually evaluated for impairment	$ 4,913	$ 2,408	$ 5,825
Loans, collectively evaluated for impairment	2,243,270	1,802,411	1,472,112
Loans, ending balance	2,248,183	1,804,819	1,477,937
Allowance for loan losses, individually evaluated for impairment	428	60	277
Allowance for loan losses, collectively evaluated for impairment	26,828	23,161	20,571
Allowance for loan losses, ending balance	27,256	23,221	20,848	$ 18,624
Commercial Portfolio Segment [Member]
Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment [Line Items]
Loans, individually evaluated for impairment	0	16	34
Loans, collectively evaluated for impairment	93,056	77,124	71,784
Loans, ending balance	93,056	77,140	71,818
Allowance for loan losses, individually evaluated for impairment	0	0	1
Allowance for loan losses, collectively evaluated for impairment	928	838	807
Allowance for loan losses, ending balance	928	838	808	834
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member]
Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment [Line Items]
Loans, individually evaluated for impairment	0	303	347
Loans, collectively evaluated for impairment	572,322	528,790	469,139
Loans, ending balance	572,322	529,093	469,486
Allowance for loan losses, individually evaluated for impairment	0	0	0
Allowance for loan losses, collectively evaluated for impairment	6,858	7,207	7,348
Allowance for loan losses, ending balance	6,858	7,207	7,348	5,342
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member]
Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment [Line Items]
Loans, individually evaluated for impairment	0	0	3,037
Loans, collectively evaluated for impairment	348,909	222,537	159,837
Loans, ending balance	348,909	222,537	162,874
Allowance for loan losses, individually evaluated for impairment	0	0	0
Allowance for loan losses, collectively evaluated for impairment	3,674	2,340	1,501
Allowance for loan losses, ending balance	3,674	2,340	1,501	1,978
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment [Line Items]
Loans, individually evaluated for impairment	594	630	657
Loans, collectively evaluated for impairment	114,506	106,715	82,994
Loans, ending balance	115,100	107,345	83,651
Allowance for loan losses, individually evaluated for impairment	0	0	127
Allowance for loan losses, collectively evaluated for impairment	1,047	1,023	1,064
Allowance for loan losses, ending balance	1,047	1,023	1,191	1,163
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment [Line Items]
Loans, individually evaluated for impairment	3,797	1,083	1,539
Loans, collectively evaluated for impairment	1,021,418	778,911	603,804
Loans, ending balance	1,025,215	779,994	605,343
Allowance for loan losses, individually evaluated for impairment	428	60	149
Allowance for loan losses, collectively evaluated for impairment	13,211	10,539	8,458
Allowance for loan losses, ending balance	13,639	10,599	8,607	7,729
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member]
Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment [Line Items]
Loans, individually evaluated for impairment	522	376	211
Loans, collectively evaluated for impairment	87,326	82,733	77,370
Loans, ending balance	87,848	83,109	77,581
Allowance for loan losses, individually evaluated for impairment	0	0	0
Allowance for loan losses, collectively evaluated for impairment	1,016	1,121	1,240
Allowance for loan losses, ending balance	1,016	1,121	1,240	1,453
Consumer and Other Porfolio Segment [Member]
Note C - Loans (Details) - Loans Individually and Collectively Evaluated for Impairment [Line Items]
Loans, individually evaluated for impairment	0	0	0
Loans, collectively evaluated for impairment	5,733	5,601	7,184
Loans, ending balance	5,733	5,601	7,184
Allowance for loan losses, individually evaluated for impairment	0	0	0
Allowance for loan losses, collectively evaluated for impairment	94	93	153
Allowance for loan losses, ending balance	$ 94	$ 93	$ 153	$ 125

Note C - Loans (Details) - Allo

Note C - Loans (Details) - Allowance for Loan Losses - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	$ 23,221	$ 20,848	$ 18,624
Chargeoffs	369	834	932
Recoveries	87	18	159
Provision for loan losses	4,317	3,189	2,997
Ending balance	27,256	23,221	20,848
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	838	808	834
Chargeoffs	166	96	0
Recoveries	7	2	19
Provision for loan losses	249	124	(45)
Ending balance	928	838	808
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	7,207	7,348	5,342
Chargeoffs	91	0	0
Recoveries	27	0	0
Provision for loan losses	(285)	(141)	2,006
Ending balance	6,858	7,207	7,348
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	2,340	1,501	1,978
Chargeoffs	1	37	0
Recoveries	39	0	113
Provision for loan losses	1,296	876	(590)
Ending balance	3,674	2,340	1,501
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,023	1,191	1,163
Chargeoffs	0	400	0
Recoveries	0	0	0
Provision for loan losses	24	232	28
Ending balance	1,047	1,023	1,191
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	10,599	8,607	7,729
Chargeoffs	7	121	914
Recoveries	9	3	13
Provision for loan losses	3,038	2,110	1,779
Ending balance	13,639	10,599	8,607
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	1,121	1,240	1,453
Chargeoffs	67	173	0
Recoveries	5	4	0
Provision for loan losses	(43)	50	(213)
Ending balance	1,016	1,121	1,240
Consumer and Other Porfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Beginning balance	93	153	125
Chargeoffs	37	7	18
Recoveries	0	9	14
Provision for loan losses	38	(62)	32
Ending balance	$ 94	$ 93	$ 153

Note C - Loans (Details) - Impa

Note C - Loans (Details) - Impaired Loans - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
With an allowance recorded:
Related allowance	$ 428	$ 60	$ 277
Total:
Total, recorded investment	4,913	2,408	5,825
Total, unpaid principal balance	5,074	2,582	5,983
Total, average recorded investment	5,222	2,484	5,946
Total, interest income recognized	95	29	131
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
With no related allowance recorded:
With no related allowance recorded, recorded investment	594	630
With no related allowance recorded, unpaid principal balance	654	663
With no related allowance recorded, average recorded investment	612	641
With no related allowance recorded, interest income recognized	0	0
With an allowance recorded:
With an allowance recorded, recorded investment			657
With an allowance recorded, unpaid principal balance			666
Related allowance	0	0	127
With an allowance recorded, average recorded investment			661
With an allowance recorded, interest income recognized			0
Total:
Total, recorded investment	594	630	657
Total, unpaid principal balance	654	663	666
Total, average recorded investment	612	641	661
Total, interest income recognized	0	0	0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member]
With no related allowance recorded:
With no related allowance recorded, recorded investment		303	347
With no related allowance recorded, unpaid principal balance		368	400
With no related allowance recorded, average recorded investment		321	361
With no related allowance recorded, interest income recognized		0	0
With an allowance recorded:
Related allowance		0	0
Total:
Total, recorded investment		303	347
Total, unpaid principal balance		368	400
Total, average recorded investment		321	361
Total, interest income recognized		0	0
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member]
With no related allowance recorded:
With no related allowance recorded, recorded investment			3,037
With no related allowance recorded, unpaid principal balance			3,084
With no related allowance recorded, average recorded investment			3,081
With no related allowance recorded, interest income recognized			101
With an allowance recorded:
Related allowance			0
Total:
Total, recorded investment			3,037
Total, unpaid principal balance			3,084
Total, average recorded investment			3,081
Total, interest income recognized			101
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
With no related allowance recorded:
With no related allowance recorded, recorded investment	306	216	580
With no related allowance recorded, unpaid principal balance	405	270	617
With no related allowance recorded, average recorded investment	530	230	594
With no related allowance recorded, interest income recognized	0	0	6
With an allowance recorded:
With an allowance recorded, recorded investment	3,491	867	959
With an allowance recorded, unpaid principal balance	3,494	893	969
Related allowance	428	60	149
With an allowance recorded, average recorded investment	3,555	891	997
With an allowance recorded, interest income recognized	89	27	22
Total:
Total, recorded investment	3,797	1,083	1,539
Total, unpaid principal balance	3,899	1,163	1,586
Total, average recorded investment	4,085	1,121	1,591
Total, interest income recognized	89	27	28
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member]
With no related allowance recorded:
With no related allowance recorded, recorded investment	522	376	211
With no related allowance recorded, unpaid principal balance	521	372	213
With no related allowance recorded, average recorded investment	525	376	211
With no related allowance recorded, interest income recognized	6	0	0
With an allowance recorded:
Related allowance	0	0	0
Total:
Total, recorded investment	522	376	211
Total, unpaid principal balance	521	372	213
Total, average recorded investment	525	376	211
Total, interest income recognized	$ 6	0	0
Commercial Portfolio Segment [Member]
With no related allowance recorded:
With no related allowance recorded, recorded investment		16
With no related allowance recorded, unpaid principal balance		16
With no related allowance recorded, average recorded investment		25
With no related allowance recorded, interest income recognized		2
With an allowance recorded:
With an allowance recorded, recorded investment			34
With an allowance recorded, unpaid principal balance			34
Related allowance		0	1
With an allowance recorded, average recorded investment			41
With an allowance recorded, interest income recognized			2
Total:
Total, recorded investment		16	34
Total, unpaid principal balance		16	34
Total, average recorded investment		25	41
Total, interest income recognized		$ 2	$ 2

Note C - Loans (Details) - Agin

Note C - Loans (Details) - Aging of the Recorded Investment in Loans - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	$ 1,330	$ 1,704
Total past due and nonaccrual loans	2,333	3,890
Current	2,245,850	1,800,929
Total loans	2,248,183	1,804,819	$ 1,477,937
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	1,003	2,087
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	99
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	0	0
Total past due and nonaccrual loans	0	0
Current	93,056	77,140
Total loans	93,056	77,140	71,818
Commercial Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Portfolio Segment [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	0	303
Total past due and nonaccrual loans	0	1,257
Current	572,322	527,836
Total loans	572,322	529,093	469,486
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	954
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	0	0
Total past due and nonaccrual loans	0	0
Current	348,909	222,537
Total loans	348,909	222,537	162,874
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	594	630
Total past due and nonaccrual loans	594	630
Current	114,506	106,715
Total loans	115,100	107,345	83,651
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	456	395
Total past due and nonaccrual loans	1,447	1,454
Current	1,023,768	778,540
Total loans	1,025,215	779,994	605,343
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	991	1,059
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	280	376
Total past due and nonaccrual loans	280	549
Current	87,568	82,560
Total loans	87,848	83,109	77,581
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	74
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	99
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Consumer and Other Porfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Nonaccrual loans	0	0
Total past due and nonaccrual loans	12	0
Current	5,721	5,601
Total loans	5,733	5,601	$ 7,184
Consumer and Other Porfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	12	0
Consumer and Other Porfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	0	0
Consumer and Other Porfolio Segment [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due	$ 0	$ 0

Note C - Loans (Details) - Lo53

Note C - Loans (Details) - Loans Modified in Trouble Debt Restructurings $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014	Dec. 31, 2013USD ($)
Residential mortgages:
Number of loans	2	0	4
Outstanding recorded investment, pre-modification (in Dollars)	$ 2,958		$ 917
Outstanding recorded investment, post-modification (in Dollars)	$ 2,958		$ 917
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Residential mortgages:
Number of loans	1		2
Outstanding recorded investment, pre-modification (in Dollars)	$ 2,713		$ 259
Outstanding recorded investment, post-modification (in Dollars)	$ 2,713		$ 259
Interest rates, pre-modification	5.25%
Interest rates, post-modification	4.00%		3.75%
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member]
Residential mortgages:
Number of loans	1
Outstanding recorded investment, pre-modification (in Dollars)	$ 245
Outstanding recorded investment, post-modification (in Dollars)	$ 245
Interest rates, pre-modification	5.25%
Interest rates, post-modification	4.00%
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
Residential mortgages:
Number of loans			2
Outstanding recorded investment, pre-modification (in Dollars)			$ 658
Outstanding recorded investment, post-modification (in Dollars)			$ 658
Interest rates, post-modification			2.50%
Minimum [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Residential mortgages:
Interest rates, pre-modification			3.25%
Minimum [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
Residential mortgages:
Interest rates, pre-modification			5.00%
Maximum [Member] | Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Residential mortgages:
Interest rates, pre-modification			6.50%
Maximum [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
Residential mortgages:
Interest rates, pre-modification			5.75%

Note C - Loans (Details) - Risk

Note C - Loans (Details) - Risk Ratings - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 2,248,183	$ 1,804,819	$ 1,477,937
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	93,056	77,140	71,818
Commercial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	91,950	76,884
Commercial Portfolio Segment [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,106	65
Commercial Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	191
Commercial Portfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Portfolio Segment [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	93,056	77,140
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	572,322	529,093	469,486
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	567,467	519,274
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	7,610
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,855	1,906
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	303
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Loan [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	572,322	529,093
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	348,909	222,537	162,874
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	346,419	219,997
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	900	900
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,590	1,640
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Other Loan [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	348,909	222,537
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	115,100	107,345	83,651
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	110,641	106,443
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,865	0
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	594	902
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Owner-occupied Loan [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	115,100	107,345
Commercial and Industrial Loans and Commercial Real Estate Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,116,477	922,598
Commercial and Industrial Loans and Commercial Real Estate Loans [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,871	8,575
Commercial and Industrial Loans and Commercial Real Estate Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,855	1,906
Commercial and Industrial Loans and Commercial Real Estate Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	2,184	3,036
Commercial and Industrial Loans and Commercial Real Estate Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Commercial and Industrial Loans and Commercial Real Estate Loans [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,129,387	936,115
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,025,215	779,994	605,343
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,020,393	777,846
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,025	1,066
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	3,797	1,082
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Portfolio Segment [Member] | Home Equity Loan [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,025,215	779,994
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	87,848	83,109	77,581
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	87,326	82,730
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	99
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	522	280
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	87,848	83,109
Consumer and Other Porfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,733	5,601	$ 7,184
Consumer and Other Porfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,443	5,122
Consumer and Other Porfolio Segment [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer and Other Porfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer and Other Porfolio Segment [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer and Other Porfolio Segment [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0	0
Consumer and Other Porfolio Segment [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	5,443	5,122
Residential Mortgages, Home Equity Lines, and Other Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,113,162	865,698
Residential Mortgages, Home Equity Lines, and Other Consumer Loans [Member] | Watch [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	1,025	1,165
Residential Mortgages, Home Equity Lines, and Other Consumer Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0
Residential Mortgages, Home Equity Lines, and Other Consumer Loans [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	4,319	1,362
Residential Mortgages, Home Equity Lines, and Other Consumer Loans [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	0
Residential Mortgages, Home Equity Lines, and Other Consumer Loans [Member] | Internal Investment Grade [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 1,118,506	$ 868,225

Note D - Premises and Equipme55

Note D - Premises and Equipment (Details) - Premise and Equipment - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment Gross	$ 65,913	$ 60,596
Accumulated depreciation and amortization	(35,583)	(32,742)
	30,330	27,854
Land [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment Gross	6,352	5,985
Building and Building Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment Gross	20,894	19,462
Leasehold Improvements [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment Gross	10,263	8,782
Furniture and Fixtures [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment Gross	26,196	24,797
Construction in Progress [Member]
Property, Plant and Equipment [Line Items]
Property, Plant and Equipment Gross	$ 2,208	$ 1,570

Note E - Deposits (Details)

Note E - Deposits (Details) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Disclosure Text Block [Abstract]
Time Deposits, Uninsured Amount	$ 74.3	$ 80.5
Related Party Deposit Liabilities	$ 8.5	$ 9.8

Note E - Deposits (Details) - T

Note E - Deposits (Details) - Time Deposits $ in Thousands	Dec. 31, 2015USD ($)
Note E - Deposits (Details) - Time Deposits [Line Items]
2,016	$ 121,967
2,017	9,785
2,018	39,904
2,019	89,413
2,020	16,179
Thereafter	33,465
	310,713
Less than $100,000 [Member]
Note E - Deposits (Details) - Time Deposits [Line Items]
2,016	38,165
2,017	4,364
2,018	12,010
2,019	35,630
2,020	6,440
Thereafter	15,957
	112,566
$100,000 or More [Member]
Note E - Deposits (Details) - Time Deposits [Line Items]
2,016	83,802
2,017	5,421
2,018	27,894
2,019	53,783
2,020	9,739
Thereafter	17,508
	$ 198,147

Note F - Borrowed Funds (Detail

Note F - Borrowed Funds (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Note F - Borrowed Funds (Details) [Line Items]
Interest Payable	$ 672,000	$ 668,000
Minimum Remaining Contractual Maturities of Securities Sold Under Repurchase Agreements	1 day
Maximum Remaining Contractual Maturities of Securities Sold Under Repurchase Agreements	3 years
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 1,500,000,000	1,100,000,000
Period of Contractual Maturities and Weighted Average Interest Rate	5 years
Other Borrowings	$ 0	0
Average Balance of Other Borrowings	$ 178,000	$ 26,000
Average Interest Rate of Other Borrowings	0.43%	0.42%
Municipal Bonds [Member]
Note F - Borrowed Funds (Details) [Line Items]
Debt Instrument, Collateral Amount	$ 3,500,000
Mortgage Back Securities [Member]
Note F - Borrowed Funds (Details) [Line Items]
Debt Instrument, Collateral Amount	$ 41,700,000

Note F - Borrowed Funds (Deta59

Note F - Borrowed Funds (Details) - Summary of Borrowed Funds - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Short-term borrowings:
Short-term borrowings	$ 211,502	$ 136,486
Long-term debt:
Long-term debt	365,712	345,000
	577,214	481,486
Securities Sold Under Repurchase Agreements [Member]
Short-term borrowings:
Short-term borrowings	11,502	11,486
Long-term debt:
Long-term debt	35,000	45,000
Federal Home Loan Bank Advances [Member]
Short-term borrowings:
Short-term borrowings	200,000	125,000
Long-term debt:
Long-term debt	$ 330,712	$ 300,000

Note F - Borrowed Funds (Deta60

Note F - Borrowed Funds (Details) - Securities Sold Under Repurchase Agreements - Securities Sold Under Repurchase Agreements [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Note F - Borrowed Funds (Details) - Securities Sold Under Repurchase Agreements [Line Items]
Average daily balance during the year	$ 51,297	$ 57,511
Average interest rate during the year	3.44%	3.53%
Maximum month-end balance during the year	$ 56,903	$ 61,152
Weighted average interest rate at year-end	3.40%	3.54%

Note F - Borrowed Funds (Deta61

Note F - Borrowed Funds (Details) - Contractual Maturity and Weighted Average Interest Rates on Securities Sold Under Repurchase Agreements - Securities Sold Under Repurchase Agreements [Member] - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Note F - Borrowed Funds (Details) - Contractual Maturity and Weighted Average Interest Rates on Securities Sold Under Repurchase Agreements [Line Items]
Amount	$ 46,502
Weighted average rate	3.40%	3.54%
Overnight [Member]
Note F - Borrowed Funds (Details) - Contractual Maturity and Weighted Average Interest Rates on Securities Sold Under Repurchase Agreements [Line Items]
Amount	$ 11,502
Weighted average rate	0.10%
Maturity In 2017 [Member]
Note F - Borrowed Funds (Details) - Contractual Maturity and Weighted Average Interest Rates on Securities Sold Under Repurchase Agreements [Line Items]
Amount	$ 30,000
Weighted average rate	4.33%
Maturing in 2018 [Member]
Note F - Borrowed Funds (Details) - Contractual Maturity and Weighted Average Interest Rates on Securities Sold Under Repurchase Agreements [Line Items]
Amount	$ 5,000
Weighted average rate	5.45%
Maturity After 2015 [Member]
Note F - Borrowed Funds (Details) - Contractual Maturity and Weighted Average Interest Rates on Securities Sold Under Repurchase Agreements [Line Items]
Amount	$ 35,000
Weighted average rate	4.49%

Note F - Borrowed Funds (Deta62

Note F - Borrowed Funds (Details) - Federal Home Loan Advances - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Federal Home Loan Advances [Abstract]
Average daily balance during the year	$ 367,897	$ 290,409
Average interest rate during the year	1.69%	1.68%
Maximum month-end balance during the year	$ 530,712	$ 425,000
Weighted average interest rate at year-end	1.33%	1.42%

Note F - Borrowed Funds (Deta63

Note F - Borrowed Funds (Details) - Contractual Maturity and Weighted Average Interest Rates on FHLB Advances $ in Thousands	Dec. 31, 2015USD ($)
Contractual Maturity and Weighted Average Interest Rates on FHLB Advances [Abstract]
Overnight	$ 200,000
Overnight	0.52%
2,017	$ 27,050
2,017	1.51%
2,018	$ 96,450
2,018	1.71%
2,019	$ 73,500
2,019	1.91%
2,020	$ 70,250
2,020	1.85%
After 2,020	$ 63,462
After 2,020	2.01%
	$ 330,712
	1.82%
	$ 530,712
	1.33%

Note G - Income Taxes (Details)

Note G - Income Taxes (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note G - Income Taxes (Details) [Line Items]
Effective Income Tax Rate Reconciliation, Percent	22.40%	20.90%	21.20%
Unrecognized Tax Benefits	$ 0	$ 0	$ 0
Unrecognized Tax Benefits, Income Tax Penalties and Interest Expense	$ 0	$ 0	$ 0
Domestic Tax Authority [Member] | Internal Revenue Service (IRS) [Member] | Earliest Tax Year [Member]
Note G - Income Taxes (Details) [Line Items]
Open Tax Year	2,011
State and Local Jurisdiction [Member] | New York State Division of Taxation and Finance [Member] | Earliest Tax Year [Member]
Note G - Income Taxes (Details) [Line Items]
Open Tax Year	2,011

Note G - Income Taxes (Detail65

Note G - Income Taxes (Details) - Reconciliation of Statutory Federal Income Tax Rate	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reconciliation of Statutory Federal Income Tax Rate [Abstract]
Statutory federal income tax rate	35.00%	35.00%	35.00%
State and local income taxes, net of federal income tax benefit	2.10%	2.40%	3.30%
Tax-exempt income, net of disallowed cost of funding	(14.90%)	(16.40%)	(17.00%)
Other	0.20%	(0.10%)	(0.10%)
	22.40%	20.90%	21.20%

Note G - Income Taxes (Detail66

Note G - Income Taxes (Details) - Provision for Income Taxes - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Current:
Federal									$ 7,473	$ 4,943	$ 5,046
State and local									874	1,746	1,490
									8,347	6,689	6,536
Deferred:
Federal									(1,059)	61	(692)
State and local									178	(655)	(109)
									(881)	(594)	(801)
	$ 1,620	$ 1,810	$ 2,317	$ 1,719	$ 869	$ 1,848	$ 1,524	$ 1,854	$ 7,466	$ 6,095	$ 5,735

Note G - Income Taxes (Detail67

Note G - Income Taxes (Details) - Net Deferred Tax Liability - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Allowance for loan losses and off-balance-sheet credit exposure	$ 11,301	$ 9,005
Interest on nonperforming loans	109	101
Accrued bonuses	414
Accrued legal settlement		39
Stock-based compensation	1,465	1,187
Supplemental executive retirement expense	36	20
Directors' retirement expense	65	67
Accrued rent expense	240	186
Depreciation	442	125
	14,072	10,730
Valuation allowance	0	0
	14,072	10,730
Deferred tax liabilities:
Prepaid pension	5,785	6,321
Unrealized gains on available-for-sale securities	8,084	8,882
Deferred loan costs	5,186	3,746
Prepaid expenses	84	80
Other	138	134
	19,277	19,163
Net deferred tax liability	$ 5,205	$ 8,433

Note H - Regulatory Matters (De

Note H - Regulatory Matters (Details)	12 Months Ended
	Dec. 31, 2015USD ($)
Disclosure Text Block [Abstract]
Number of Preceding Years of Retained Net Profits	2 years
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 37,593,000
Regulatory Capital, Average Reserve Requirement	$ 17,857,000

Note H - Regulatory Matters (69

Note H - Regulatory Matters (Details) - Capital Amount and Ratios - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Tier 1 Capital to Average Assets:
Capital to Risk Weighted Assets - Amount	$ 243,192	$ 222,298
Capital to Risk Weighted Assets - Ratio	7.98%	8.49%
Capital to Risk Weighted Assets - Minimum Requirement Amount	$ 121,940	$ 104,673
Capital to Risk Weighted Assets - Minimum Requirement Ratio	4.00%	4.00%
Common Equity Tier 1 to Risk Weighted Assets:
Common Equity Tier 1 to Risk Weighted Assets - Amount	$ 243,192
Common Equity Tier 1 to Risk Weighted Assets - Ratio	12.92%
Common Equity Tier 1 to Risk Weighted Assets - Minimum Requirement Amount	$ 84,673
Common Equity Tier 1 to Risk Weighted Assets - Minimum Requirement Ratio	4.50%
Tier 1 Capital to Risk Weighted Assets:
Tier 1 Captial to Risk Weighted Assets - Amount	$ 243,192	$ 222,298
Tier 1 Captial to Risk Weighted Assets - Ratio	12.92%	14.24%
Tier 1 Captial to Risk Weighted Assets - Minimum Requirement Amount	$ 112,897	$ 62,447
Tier 1 Captial to Risk Weighted Assets - Minimum Requirement Ratio	6.00%	4.00%
Total Capital to Risk Weighted Assets:
Capital to Risk Weighted Assets - Amount	$ 266,760	$ 241,860
Capital to Risk Weighted Assets - Ratio	14.18%	15.49%
Capital to Risk Weighted Assets - Minimum Requirement Amount	$ 150,530	$ 124,894
Capital to Risk Weighted Assets - Minimum Requirement Ratio	8.00%	8.00%
Bank [Member]
Tier 1 Capital to Average Assets:
Capital to Risk Weighted Assets - Amount	$ 241,516	$ 222,098
Capital to Risk Weighted Assets - Ratio	7.92%	8.49%
Capital to Risk Weighted Assets - Minimum Requirement Amount	$ 121,938	$ 104,670
Capital to Risk Weighted Assets - Minimum Requirement Ratio	4.00%	4.00%
Capital to Risk Weighted Assets - Minimum Under Provisions Amount	$ 152,422	$ 130,838
Capital to Risk Weighted Assets - Minimum Under Provisions Ratio	5.00%	5.00%
Common Equity Tier 1 to Risk Weighted Assets:
Common Equity Tier 1 to Risk Weighted Assets - Amount	$ 241,516
Common Equity Tier 1 to Risk Weighted Assets - Ratio	12.84%
Common Equity Tier 1 to Risk Weighted Assets - Minimum Requirement Amount	$ 84,660
Common Equity Tier 1 to Risk Weighted Assets - Minimum Requirement Ratio	4.50%
Common Equity Tier 1 to Risk Weighted Assets - Minimum Under Provisions Amount	$ 122,286
Common Equity Tier 1 to Risk Weighted Assets - Minimum Under Provisions Ratio	6.50%
Tier 1 Capital to Risk Weighted Assets:
Tier 1 Captial to Risk Weighted Assets - Amount	$ 241,516	$ 222,098
Tier 1 Captial to Risk Weighted Assets - Ratio	12.84%	14.23%
Tier 1 Captial to Risk Weighted Assets - Minimum Requirement Amount	$ 112,880	$ 62,431
Tier 1 Captial to Risk Weighted Assets - Minimum Requirement Ratio	6.00%	4.00%
Tier 1 Captial to Risk Weighted Assets - Minimum Under Provisions Amount	$ 150,506	$ 93,647
Tier 1 Captial to Risk Weighted Assets - Minimum Under Provisions Ratio	8.00%	6.00%
Total Capital to Risk Weighted Assets:
Capital to Risk Weighted Assets - Amount	$ 265,080	$ 241,655
Capital to Risk Weighted Assets - Ratio	14.09%	15.48%
Capital to Risk Weighted Assets - Minimum Requirement Amount	$ 150,506	$ 124,863
Capital to Risk Weighted Assets - Minimum Requirement Ratio	8.00%	8.00%
Capital to Risk Weighted Assets - Minimum Under Provisions Amount	$ 188,133	$ 156,079
Capital to Risk Weighted Assets - Minimum Under Provisions Ratio	10.00%	10.00%

Note I - Shareholder Protecti70

Note I - Shareholder Protection Rights Plan (Details)	12 Months Ended
	Dec. 31, 2015$ / sharesshares
Stockholders' Equity Note [Abstract]
Percentage of Common Stock Owned by Each Person Per Tender Offer Commenced	20.00%
Period Rights Will Become Exercisable	10 days
Number of Rights Distributed for Each Share of Common Stock Outstanding | shares	1
Class of Warrant or Right, Exercise Price of Warrants or Rights | $ / shares	$ 50
Class of Warrant or Right, Number of Securities Called by Warrants or Rights | shares	1
Class of Warrant or Right Redemption Price | $ / shares	$ 0.01

Note J - Stock-based Compensa71

Note J - Stock-based Compensation (Details) - USD ($)	1 Months Ended	2 Months Ended	3 Months Ended	12 Months Ended
	Jan. 31, 2016	Feb. 28, 2014	Dec. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in Shares)				500
Allocated Share-based Compensation Expense				$ 1,319,000	$ 1,511,000	$ 592,000
Employee Service Share-based Compensation, Tax Benefit from Compensation Expense				543,000	614,000	235,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value				602,000	723,000	699,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized				$ 1,268,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition				1 year 313 days
Employee Service Share-based Compensation, Cash Received from Exercise of Stock Options				$ 707,000	1,055,000	1,418,000
Employee Service Share-based Compensation, Tax Benefit Realized from Exercise of Stock Options				$ 240,000	232,000	205,000
2014 Equity Incentive Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in Shares)				500
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in Shares)				1,500,000
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in Shares)				1,421,108
2006 Compensation Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Minimum Exercise Price of Stock Options and Stock Appreciation Rights, Percentage				100.00%
Restricted Stock Units (RSUs) [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)				75,238
Allocated Share-based Compensation Expense					358,000
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other Than Options, Vested and Expected to Vest (in Shares)				38,761
Share-based Compensation Arrangement by Share Based Payment Award, Equity Instruments Other Than Options, Expected to Vest (in Shares)				118,590
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Converted				$ 965,000	706,000	325,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized				$ 1,264,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition				1 year 306 days
Restricted Stock Units (RSUs) [Member] | 2014 Equity Incentive Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in Shares)				525,000
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in Shares)				437,363
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)			13,823	75,238
Restricted Stock Units (RSUs) [Member] | 2006 Compensation Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)		50,136
Restricted Stock Units (RSUs) [Member] | Performance-Based Vesting [Member] | 2014 Equity Incentive Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)				70,885
Restricted Stock Units (RSUs) [Member] | Service-Based Vesting [Member] | 2014 Equity Incentive Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)				4,353
Restricted Stock Units (RSUs) [Member] | Service-Based Vesting [Member] | 2006 Compensation Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)		12,007
Restricted Stock Units (RSUs) [Member] | Subsequent Event [Member] | 2014 Equity Incentive Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)	68,010
Restricted Stock Units (RSUs) [Member] | Subsequent Event [Member] | Performance-Based Vesting [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)	55,640
Restricted Stock Units (RSUs) [Member] | Subsequent Event [Member] | Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)	12,370
Performance Shares [Member] | Performance-Based Vesting [Member] | 2006 Compensation Plan [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in Shares)		38,129
Employee Stock Option [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period				5 years
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period				10 years
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized				$ 4,000
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition				4 years 156 days
Employee Service Share-based Compensation, Cash Flow Effect, Cash Used to Settle Awards				$ 0	$ 0	$ 0
Vesting Period One [Member] | Restricted Stock Units (RSUs) [Member] | Subsequent Event [Member] | Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	1 year
Vesting Period Two [Member] | Restricted Stock Units (RSUs) [Member] | Subsequent Event [Member] | Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	2 years
Vesting Period Three [Member] | Restricted Stock Units (RSUs) [Member] | Subsequent Event [Member] | Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	3 years
Minimum [Member] | Restricted Stock Units (RSUs) [Member] | Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period		2 years
Maximum [Member] | Restricted Stock Units (RSUs) [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition				3 years
Maximum [Member] | Restricted Stock Units (RSUs) [Member] | Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period		3 years
Maximum [Member] | Employee Stock Option [Member]
Note J - Stock-based Compensation (Details) [Line Items]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition				5 years

Note J - Stock-based Compensa72

Note J - Stock-based Compensation (Details) - Assumptions in Estimating Option Values - Restricted Stock Units (RSUs) [Member] - $ / shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note J - Stock-based Compensation (Details) - Assumptions in Estimating Option Values [Line Items]
Grant date fair value	$ 21.39
Performance-Based Vesting [Member]
Note J - Stock-based Compensation (Details) - Assumptions in Estimating Option Values [Line Items]
Grant date fair value	21.18	$ 25.99	$ 17.79
Market price on date of grant	23.45	28.07	19.78
Expected annual dividend	$ 0.76	$ 0.69	$ 0.67
Expected term (in years)	3 years	3 years	3 years
Risk-free interest rate	0.21%	0.13%	0.12%
Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) - Assumptions in Estimating Option Values [Line Items]
Market price on date of grant		$ 28.07
Expected annual dividend	$ 0.80	$ 0.69
Expected term (in years)	3 years
Risk-free interest rate		0.13%
Immediate Vesting [Member]
Note J - Stock-based Compensation (Details) - Assumptions in Estimating Option Values [Line Items]
Grant date fair value		$ 25.90
Market price on date of grant		25.90
Minimum [Member] | Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) - Assumptions in Estimating Option Values [Line Items]
Grant date fair value	$ 23.42	$ 25.99
Market price on date of grant	$ 25.70
Expected term (in years)		2 years
Risk-free interest rate	0.28%
Maximum [Member] | Service-Based Vesting [Member]
Note J - Stock-based Compensation (Details) - Assumptions in Estimating Option Values [Line Items]
Grant date fair value	$ 25.41	$ 26.68
Market price on date of grant	$ 27.77
Expected term (in years)		3 years
Risk-free interest rate	0.38%

Note J - Stock-based Compensa73

Note J - Stock-based Compensation (Details) - Stock Option Activity $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)$ / sharesshares
Stock Option Activity [Abstract]
Outstanding at January 1, 2015 | shares	278,925
Outstanding at January 1, 2015 | $ / shares	$ 15.74
Granted | shares	500
Granted | $ / shares	$ 25.59
Exercised | shares	(47,843)
Exercised | $ / shares	$ 14.78
Forfeited or expired | shares	(138)
Forfeited or expired | $ / shares	$ 19.35
Outstanding at December 31, 2015 | shares	231,444
Outstanding at December 31, 2015 | $ / shares	$ 15.96
Outstanding at December 31, 2015	3 years 83 days
Outstanding at December 31, 2015 | $	$ 3,249
Exercisable at December 31, 2015 | shares	217,583
Exercisable at December 31, 2015 | $ / shares	$ 15.73
Exercisable at December 31, 2015	3 years 40 days
Exercisable at December 31, 2015 | $	$ 3,105

Note J - Stock-based Compensa74

Note J - Stock-based Compensation (Details) - Restricted Stock Unit Activity - Restricted Stock Units (RSUs) [Member] $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015USD ($)$ / sharesshares
Note J - Stock-based Compensation (Details) - Restricted Stock Unit Activity [Line Items]
Outstanding at January 1, 2015 | shares	127,181
Outstanding at January 1, 2015 | $ / shares	$ 20.56
Granted | shares	75,238
Granted | $ / shares	$ 21.39
Converted | shares	(41,138)
Converted | $ / shares	$ 17.21
Forfeited | shares	(3,930)
Forfeited | $ / shares	$ 20.57
Outstanding at December 31, 2015 | shares	157,351
Outstanding at December 31, 2015 | $ / shares	$ 21.83
Outstanding at December 31, 2015	1 year 76 days
Outstanding at December 31, 2015 | $	$ 4,721
Vested and Convertible at December 31, 2015 | shares	38,761
Vested and Convertible at December 31, 2015 | $ / shares	$ 17.79
Vested and Convertible at December 31, 2015 | $	$ 1,163

Note K - Retirement Plans (Deta

Note K - Retirement Plans (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note K - Retirement Plans (Details) [Line Items]
Defined Benefit Plan, Benefit Obligation, Period Increase (Decrease)	$ (270,000)	$ 1,700,000
Defined Benefit Plan, Amount to be Amortized from Accumulated Other Comprehensive Income (Loss) Next Fiscal Year	$ 244,000
Percentage of Portfolio That May be Invested in Securities With Ratings Below Investment Grade	5.00%
Percentage Investment in Single Security, Maximum	5.00%
Maximum Percentage of Single Investment Pool or Investment Company of Total Plan Assets	10.00%
Pension and Other Postretirement Benefit Expense	$ 271,000	133,000	$ (19,000)
401(k) Plan [Member]
Note K - Retirement Plans (Details) [Line Items]
Age of Employees Eligible to Participate in Retirement Plan	18 years
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	100.00%
Deferred Compensation Arrangement with Individual, Requisite Service Period	5 years
Defined Contribution Plan, Employers Matching Contribution, Annual Vesting Percentage	20.00%
Defined Contribution Plan, Cost Recognized	$ 397,000	$ 349,000	$ 352,000
Pension Plan [Member]
Note K - Retirement Plans (Details) [Line Items]
Deferred Compensation Arrangement with Individual, Requisite Service Period	4 years
Age of Employees Eligible to Participate in Pension Plan	21 years
Defined Benfit Arrangement with Individual, Requisite Service for Plan Eligibility	12 months
Defined Benefit Plan, Employee Matching Contribution, Percent	2.00%
Maximum [Member]
Note K - Retirement Plans (Details) [Line Items]
Defined Benefit Plans, Estimated Future Employer Contributions in Next Fiscal Year	$ 1,552,746

Note K - Retirement Plans (De76

Note K - Retirement Plans (Details) - Significant Actuarial Assumptions	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Weighted average assumptions used to determine the benefit obligation at year end
Discount rate	4.54%	4.02%	5.07%
Rate of increase in compensation levels	3.50%	3.50%	3.50%
Weighted average assumptions used to determine net pension cost
Discount rate	4.02%	5.07%	4.06%
Rate of increase in compensation levels	3.50%	3.50%	3.50%
Expected long-term rate of return on plan assets	6.00%	6.50%	6.50%

Note K - Retirement Plans (De77

Note K - Retirement Plans (Details) - Net Pension Costs - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net Pension Costs [Abstract]
Service cost plus expected expenses and net of expected plan participant contributions	$ 1,189	$ 1,115	$ 1,211
Interest cost	1,408	1,407	1,216
Expected return on plan assets	(3,086)	(3,009)	(2,656)
Amortization of prior service cost	0	16	23
Amortization of net actuarial loss	0	0	631
Net pension cost (credit)	$ (489)	$ (471)	$ 425

Note K - Retirement Plans (De78

Note K - Retirement Plans (Details) - Funded Status of the Plan - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Change in projected benefit obligation:
Projected benefit obligation at beginning of year	$ 35,787	$ 28,650	$ 30,698
Service cost	1,267	1,051	1,211
Interest cost	1,408	1,407	1,216
Benefits paid	(1,288)	(1,160)	(1,019)
Assumption changes	(3,185)	6,302	(3,907)
Experience loss (gain) and other	1,695	(463)	451
Projected benefit obligation at end of year	35,684	35,787	28,650
Change in fair value of plan assets:
Fair value of plan assets at beginning of year	52,208	47,182	41,598
Actual return on plan assets	(1,071)	6,009	6,660
Plan participant contributions	270	251	245
Benefits paid	(1,288)	(1,160)	(1,019)
Expenses	(98)	(74)	(302)
Fair value of plan assets at end of year	50,021	52,208	47,182
Funded status at end of year	14,337	16,421	18,532
Accumulated Benefit Obligation	$ 32,716	$ 33,403	$ 26,261

Note K - Retirement Plans (De79

Note K - Retirement Plans (Details) - Asset Allocation	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Percentage of Plan Assets	100.00%	100.00%
Weighted Average Expected Long-term Rates of Return	6.00%	6.50%	6.50%
Cash Equivalents [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Target Allocation - Low	0.00%	0.00%
Target Allocation - High	1.00%	1.00%
Percentage of Plan Assets	0.20%	0.20%
Equity Funds [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Target Allocation - Low	15.00%	25.00%
Target Allocation - High	25.00%	35.00%
Percentage of Plan Assets	19.60%	29.70%
Fixed Income Funds [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Target Allocation - Low	75.00%	65.00%
Target Allocation - High	85.00%	75.00%
Percentage of Plan Assets	80.20%	70.10%
Minimum [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Weighted Average Expected Long-term Rates of Return	3.95%	4.70%
Minimum [Member] | Equity Funds [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Weighted Average Expected Long-term Rates of Return	5.80%	6.60%
Minimum [Member] | Fixed Income Funds [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Weighted Average Expected Long-term Rates of Return	3.55%	3.90%
Maximum [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Weighted Average Expected Long-term Rates of Return	5.95%	7.10%
Maximum [Member] | Equity Funds [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Weighted Average Expected Long-term Rates of Return	11.70%	12.00%
Maximum [Member] | Fixed Income Funds [Member]
Note K - Retirement Plans (Details) - Asset Allocation [Line Items]
Weighted Average Expected Long-term Rates of Return	4.55%	5.00%

Note K - Retirement Plans (De80

Note K - Retirement Plans (Details) - Fair Value of Plan Assets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash equivalents:
Fair Value of Plan Assets	$ 50,021	$ 52,208	$ 47,182	$ 41,598
Cash Equivalents [Member]
Cash equivalents:
Fair Value of Plan Assets	98	92
Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	9,808	15,490
Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	40,115	36,626
Vanguard Prim Money Market Mutual Fund [Member] | Cash Equivalents [Member]
Cash equivalents:
Fair Value of Plan Assets	98	92
Vanguard Total Stock Market Index Fund [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	5,392	8,226
Vanguard Total International Stock Index Fund [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	4,416	7,264
Vanguard Long-Term Investment Grade Fund [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	24,053	15,706
Vanguard Long-Term Bond Index Fund [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	16,062	20,920
Fair Value, Inputs, Level 1 [Member]
Cash equivalents:
Fair Value of Plan Assets	49,923	52,116
Fair Value, Inputs, Level 1 [Member] | Cash Equivalents [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 1 [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	9,808	15,490
Fair Value, Inputs, Level 1 [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	40,115	36,626
Fair Value, Inputs, Level 1 [Member] | Vanguard Prim Money Market Mutual Fund [Member] | Cash Equivalents [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 1 [Member] | Vanguard Total Stock Market Index Fund [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	5,392	8,226
Fair Value, Inputs, Level 1 [Member] | Vanguard Total International Stock Index Fund [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	4,416	7,264
Fair Value, Inputs, Level 1 [Member] | Vanguard Long-Term Investment Grade Fund [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	24,053	15,706
Fair Value, Inputs, Level 1 [Member] | Vanguard Long-Term Bond Index Fund [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	16,062	20,920
Fair Value, Inputs, Level 2 [Member]
Cash equivalents:
Fair Value of Plan Assets	98	92
Fair Value, Inputs, Level 2 [Member] | Cash Equivalents [Member]
Cash equivalents:
Fair Value of Plan Assets	98	92
Fair Value, Inputs, Level 2 [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 2 [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 2 [Member] | Vanguard Prim Money Market Mutual Fund [Member] | Cash Equivalents [Member]
Cash equivalents:
Fair Value of Plan Assets	98	92
Fair Value, Inputs, Level 2 [Member] | Vanguard Total Stock Market Index Fund [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 2 [Member] | Vanguard Total International Stock Index Fund [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 2 [Member] | Vanguard Long-Term Investment Grade Fund [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 2 [Member] | Vanguard Long-Term Bond Index Fund [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member] | Cash Equivalents [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member] | Vanguard Prim Money Market Mutual Fund [Member] | Cash Equivalents [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member] | Vanguard Total Stock Market Index Fund [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member] | Vanguard Total International Stock Index Fund [Member] | Equity Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member] | Vanguard Long-Term Investment Grade Fund [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	0	0
Fair Value, Inputs, Level 3 [Member] | Vanguard Long-Term Bond Index Fund [Member] | Fixed Income Funds [Member]
Cash equivalents:
Fair Value of Plan Assets	$ 0	$ 0

Note K - Retirement Plans (De81

Note K - Retirement Plans (Details) - Estimated Future Benefit Payments $ in Thousands	Dec. 31, 2015USD ($)
Estimated Future Benefit Payments [Abstract]
2,016	$ 1,462
2,017	1,659
2,018	1,788
2,019	1,899
2,020	2,077
2021 - 2025	$ 12,204

Note L - Other Operating Expe82

Note L - Other Operating Expenses (Details) - Other Operating Expenses - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other Operating Expenses [Abstract]
Computer services	$ 2,212	$ 1,970	$ 1,985
FDIC assessment	1,472	1,278	1,139
Marketing	$ 877	$ 927	$ 670

Note M - Commitments and Cont83

Note M - Commitments and Contingent Liabilities (Details)	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Terms of Employment Contract, Lower Range	18 months
Terms of Employment Contract, Upper Range	3 years
Extended Period of Employment Contract, Lower Range	18 months
Extended Period of Employment Contract, Upper Range	3 years
Salaries Provided for Employement Contracts	$ 1,951,500
Operating Leases, Rent Expense	$ 1,885,000	$ 1,733,000	$ 1,625,000
Number of Buildings Leased From Related Party	2
Lease Base Rent Paid to Related Party	$ 78,000	$ 78,000	$ 78,000
Home Equity Line of Credit [Member]
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Financial Instruments, Off Balance Sheet Risks, Expiration Period	10 years
Other Real Estate Loan [Member]
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Financial Instruments, Off Balance Sheet Risks, Expiration Period	60 days
Commercial Loan Commitments [Member]
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Financial Instruments, Off Balance Sheet Risks, Expiration Period	1 year
Minimum [Member] | Commercial Loan Commitments [Member]
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate	3.00%
Financial Instruments off Balance Sheet Risks, Maturity Period	5 years
Minimum [Member] | Unused lines of Credit [Member]
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Percentage of Collateral Held for Commitments	0.00%
Maximum [Member] | Commercial Loan Commitments [Member]
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Long-term Debt, Percentage Bearing Fixed Interest, Percentage Rate	5.25%
Maximum [Member] | Standby Letters of Credit [Member]
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Percentage of Collateral Held for Commitments	100.00%
Average [Member] | Standby Letters of Credit [Member]
Note M - Commitments and Contingent Liabilities (Details) [Line Items]
Percentage of Collateral Held for Commitments	81.00%

Note M - Commitments and Cont84

Note M - Commitments and Contingent Liabilities (Details) - Off-Balance Sheet Risks - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Commitments to Extend Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	$ 13,092	$ 10,655
Variable Rate	235,368	203,809
Standby Letters of Credit [Member]
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Fixed Rate	5,758	4,043
Variable Rate	$ 0	$ 0

Note M - Commitments and Cont85

Note M - Commitments and Contingent Liabilities (Details) - Future Minimum Lease Payments $ in Thousands	Dec. 31, 2015USD ($)
Future Minimum Lease Payments [Abstract]
2,016	$ 1,933
2,017	1,886
2,018	1,661
2,019	1,491
2,020	1,349
Thereafter	4,248
	$ 12,568

Note N - Fair Value of Financ86

Note N - Fair Value of Financial Instruments (Details)	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Note N - Fair Value of Financial Instruments (Details) [Line Items]
Impaired Financing Receivable, Unpaid Principal Balance	$ 5,074,000	$ 2,582,000	$ 5,983,000
Impaired Financing Receivable, Related Allowance	428,000	60,000	277,000
Impaired Financing Receivables, Provision (Credit) on Loan Losses	$ 27,000	(14,000)	$ 127,000
Number of Loan Portfolio Segments	3
Term of Maturity for Short-term Borrowings	90 days
Fair Value, Measurements, Nonrecurring [Member]
Note N - Fair Value of Financial Instruments (Details) [Line Items]
Impaired Financing Receivable, Unpaid Principal Balance	$ 152,000	179,000
Impaired Financing Receivable, Related Allowance	$ 33,000	$ 6,000

Note N - Fair Value of Financ87

Note N - Fair Value of Financial Instruments (Details) - Assets Measured On Recurring Basis - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Available-for-Sale Securities:
Available-for-sale securities	$ 737,700	$ 774,145
Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	737,700	774,145
US States and Political Subdivisions Debt Securities [Member]
Available-for-Sale Securities:
Available-for-sale securities	435,693	411,797
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	435,693	411,797
Pass-Through Mortgage Securities [Member]
Available-for-Sale Securities:
Available-for-sale securities	147,265	131,181
Pass-Through Mortgage Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	147,265	131,181
Collateralized Mortgage Obligations [Member]
Available-for-Sale Securities:
Available-for-sale securities	154,742	231,167
Collateralized Mortgage Obligations [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	154,742	231,167
Fair Value, Inputs, Level 1 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	0	0
Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	0	0
Fair Value, Inputs, Level 1 [Member] | Pass-Through Mortgage Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	0	0
Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	0	0
Fair Value, Inputs, Level 2 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	737,700	774,145
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	435,693	411,797
Fair Value, Inputs, Level 2 [Member] | Pass-Through Mortgage Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	147,265	131,181
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	154,742	231,167
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	0	0
Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	0	0
Fair Value, Inputs, Level 3 [Member] | Pass-Through Mortgage Securities [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	0	0
Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Obligations [Member] | Fair Value, Measurements, Recurring [Member]
Available-for-Sale Securities:
Available-for-sale securities	$ 0	$ 0

Note N - Fair Value of Financ88

Note N - Fair Value of Financial Instruments (Details) - Assets Measured On Non-recurring Basis - USD ($)	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Residential mortgages held-for-sale:
Mortgages held-for-sale	$ 105,000
Impaired loans:
Impaired loans	4,913,000	$ 2,408,000	$ 5,825,000
Residential Portfolio Segment [Member] | Home Equity Loan [Member]
Impaired loans:
Impaired loans	3,797,000	1,083,000	1,539,000
Residential Portfolio Segment [Member] | Revolving Home Equity Line [Member]
Impaired loans:
Impaired loans	522,000	376,000	$ 211,000
Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	105,000
Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member] | Home Equity Loan [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	25,000
Impaired loans:
Impaired loans		119,000
Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member] | Revolving Home Equity Line [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	80,000
Fair Value, Inputs, Level 1 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	0
Fair Value, Inputs, Level 1 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member] | Home Equity Loan [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	0
Impaired loans:
Impaired loans		0
Fair Value, Inputs, Level 1 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member] | Revolving Home Equity Line [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	0
Fair Value, Inputs, Level 2 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	0
Fair Value, Inputs, Level 2 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member] | Home Equity Loan [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	0
Impaired loans:
Impaired loans		0
Fair Value, Inputs, Level 2 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member] | Revolving Home Equity Line [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	0
Fair Value, Inputs, Level 3 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	105,000
Fair Value, Inputs, Level 3 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member] | Home Equity Loan [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	25,000
Impaired loans:
Impaired loans		$ 119,000
Fair Value, Inputs, Level 3 [Member] | Residential Portfolio Segment [Member] | Fair Value, Measurements, Nonrecurring [Member] | Revolving Home Equity Line [Member]
Residential mortgages held-for-sale:
Mortgages held-for-sale	$ 80,000

Note N - Fair Value of Financ89

Note N - Fair Value of Financial Instruments (Details) - Financial Instruments - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financial Assets:
Held-to-maturity securities	$ 14,910	$ 22,870
Financial Liabilities:
Checking deposits	777,994	655,753
Savings, NOW and money market deposits	1,195,968	1,000,325
Time deposits	310,713
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Financial Assets:
Cash and cash equivalents	39,635	32,944
Restricted stock	28,435	23,304
Financial Liabilities:
Checking deposits	777,994	655,753
Savings, NOW and money market deposits	1,195,968	1,000,325
Short-term borrowings	211,502	136,486
Accrued interest payable:
Checking, savings, NOW and money market deposits	43	27
Short-term borrowings	3	1
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Financial Assets:
Cash and cash equivalents	39,635	32,944
Restricted stock	28,435	23,304
Financial Liabilities:
Checking deposits	777,994	655,753
Savings, NOW and money market deposits	1,195,968	1,000,325
Short-term borrowings	211,502	136,486
Accrued interest payable:
Checking, savings, NOW and money market deposits	43	27
Short-term borrowings	3	1
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Financial Assets:
Held-to-maturity securities	12,366	21,119
Accrued interest receivable:
Investment securities	4,403	4,689
Financial Liabilities:
Time deposits	310,713	328,947
Long-term debt	365,712	345,000
Accrued interest payable:
Time deposits	3,224	5,077
Long-term debt	669	667
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Financial Assets:
Held-to-maturity securities	12,905	22,156
Accrued interest receivable:
Investment securities	4,403	4,689
Financial Liabilities:
Time deposits	313,331	333,992
Long-term debt	364,935	348,519
Accrued interest payable:
Time deposits	3,224	5,077
Long-term debt	669	667
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Financial Assets:
Held-to-maturity securities	2,005	714
Loans	2,220,808	1,781,425
Accrued interest receivable:
Loans	5,501	4,355
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Financial Assets:
Held-to-maturity securities	2,005	714
Loans	2,203,418	1,765,202
Accrued interest receivable:
Loans	$ 5,501	$ 4,355

Note O - Parent Company Finan90

Note O - Parent Company Financial Information (Details) - Condensed Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Assets:
Other assets	$ 12,056	$ 11,827
	3,130,343	2,721,494
Liabilities:
Cash dividends payable	2,823	2,642	$ 2,376
	2,879,407	2,488,191
Stockholders' equity:
Common stock	1,412	1,389
Surplus	56,931	51,009
Retained earnings	185,069	170,120
	243,412	222,518
Accumulated other comprehensive income, net of tax	7,524	10,785
	250,936	233,303	206,556	$ 205,370
	3,130,343	2,721,494
Parent Company [Member]
Assets:
Cash and due from banks	2,351	1,256
Investment in subsidiary bank, at equity	249,260	233,103
Prepaid income taxes	719	357
Deferred income tax benefits	1,464	1,186
Other assets	4	43
	253,798	235,945
Liabilities:
Other liabilities	39	0
Cash dividends payable	2,823	2,642	$ 2,376
	2,862	2,642
Stockholders' equity:
Common stock	1,412	1,389
Surplus	56,931	51,009
Retained earnings	185,069	170,120
	243,412	222,518
Accumulated other comprehensive income, net of tax	7,524	10,785
	250,936	233,303
	$ 253,798	$ 235,945

Note O - Parent Company Finan91

Note O - Parent Company Financial Information (Details) - Condensed Statements of Income - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Expenses:
Salaries									$ 20,680	$ 18,885	$ 17,160
Other operating expenses									10,108	9,433	9,154
	$ 12,120	$ 11,382	$ 10,958	$ 11,147	$ 11,599	$ 10,147	$ 10,095	$ 10,190	46,691	42,031	39,500
Income before income taxes	8,238	8,321	8,593	8,204	6,328	7,902	7,068	7,811	33,356	29,109	27,035
Income tax benefit	1,620	1,810	2,317	1,719	869	1,848	1,524	1,854	7,466	6,095	5,735
Net income	6,618	6,511	6,276	6,485	5,459	6,054	5,544	5,957	25,890	23,014	21,300
Comprehensive income	$ 4,331	$ 9,536	$ 670	$ 8,092	$ 3,994	$ 6,114	$ 10,041	$ 11,988	22,629	32,137	6,222
Parent Company [Member]
Income:
Dividends from subsidiary bank									7,500	6,000	3,900
Expenses:
Salaries									1,319	1,511	592
Other operating expenses									541	409	408
									1,860	1,920	1,000
Income before income taxes									5,640	4,080	2,900
Income tax benefit									(832)	(759)	(397)
Income before undistributed earnings of subsidiary bank									6,472	4,839	3,297
Equity in undistributed earnings									19,418	18,175	18,003
Net income									25,890	23,014	21,300
Comprehensive income									$ 22,629	$ 32,137	$ 6,222

Note O - Parent Company Finan92

Note O - Parent Company Financial Information (Details) - Condensed Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash Flows From Operating Activities:
Net income	$ 6,618	$ 6,511	$ 6,276	$ 6,485	$ 5,459	$ 6,054	$ 5,544	$ 5,957	$ 25,890	$ 23,014	$ 21,300
Adjustments to reconcile net income to net cash provided by operating activities:
Deferred income tax credit									(881)	(594)	(801)
Stock-based compensation expense									1,319	1,511	592
(Increase) decrease in other assets									(229)	633	1,336
Cash Flows From Financing Activities:
Repurchase and retirement of common stock									(287)	(286)	(95)
Proceeds from exercise of stock options									707	1,055	1,418
Tax benefit of stock compensation plans									336	224	162
Proceeds from issuance of common stock									3,870	2,185	2,167
Cash dividends paid									(10,759)	(9,736)	(6,904)
Net increase (decrease) in cash and cash equivalents*									6,691	(2,553)	(6,694)
Cash and cash equivalents, beginning of year				32,944				35,497	32,944	35,497	42,191
Cash and cash equivalents, end of year	39,635				32,944				39,635	32,944	35,497
Supplemental Schedule of Noncash Financing Activities:
Cash dividends payable	2,823				2,642				2,823	2,642	2,376
Parent Company [Member]
Cash Flows From Operating Activities:
Net income									25,890	23,014	21,300
Adjustments to reconcile net income to net cash provided by operating activities:
Undistributed earnings of subsidiary bank									(19,418)	(18,175)	(18,003)
Deferred income tax credit									(278)	(289)	(67)
Stock-based compensation expense									1,319	1,511	592
(Increase) decrease in prepaid income taxes									(362)	139	105
(Increase) decrease in other assets									38	(41)	(1)
Increase (decrease) in other liabilities									39	(12)	12
Net cash provided by operating activities									7,228	6,147	3,938
Cash Flows From Financing Activities:
Repurchase and retirement of common stock									(287)	(286)	(95)
Proceeds from exercise of stock options									707	1,055	1,418
Tax benefit of stock compensation plans									336	224	162
Proceeds from issuance of common stock									3,870	2,185	2,167
Cash dividends paid									(10,759)	(9,736)	(6,904)
Net cash used in financing activities									(6,133)	(6,558)	(3,252)
Net increase (decrease) in cash and cash equivalents*									1,095	(411)	686
Cash and cash equivalents, beginning of year				$ 1,256				$ 1,667	1,256	1,667	981
Cash and cash equivalents, end of year	2,351				1,256				2,351	1,256	1,667
Supplemental Schedule of Noncash Financing Activities:
Cash dividends payable	$ 2,823				$ 2,642				$ 2,823	$ 2,642	$ 2,376

Note P - Quarterly Financial 93

Note P - Quarterly Financial Data (Unaudited) (Details) - Quarterly Financial Information - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
2,015
Interest income	$ 24,507	$ 22,903	$ 22,667	$ 22,058	$ 21,207	$ 21,059	$ 20,018	$ 19,692	$ 92,135	$ 81,976	$ 74,851
Interest expense	4,134	3,970	4,173	4,252	3,964	3,817	3,670	3,597	16,529	15,048	12,364
Net interest income	20,373	18,933	18,494	17,806	17,243	17,242	16,348	16,095	75,606	66,928	62,487
Provision for loan losses	1,915	1,049	942	411	1,045	1,221	982	(59)	4,317	3,189	2,997
Noninterest income before net securities gains	1,709	1,819	1,950	1,956	1,729	2,005	1,748	1,778	7,434	7,260
Net gains on sales of securities	191	0	1,133	0	0	23	49	69	1,324	141	16
Noninterest expense before debt extinguishment costs	12,120	11,382	10,958	11,147	11,599	10,147	10,095	10,190	46,691	42,031	39,500
Debt extinguishment costs	0	0	1,084	0	0	0	0	0	1,084	0
Income before income taxes	8,238	8,321	8,593	8,204	6,328	7,902	7,068	7,811	33,356	29,109	27,035
Income tax expense	1,620	1,810	2,317	1,719	869	1,848	1,524	1,854	7,466	6,095	5,735
Net income	$ 6,618	$ 6,511	$ 6,276	$ 6,485	$ 5,459	$ 6,054	$ 5,544	$ 5,957	$ 25,890	$ 23,014	$ 21,300
Earnings per share:
Basic (in Dollars per share)	$ 0.47	$ 0.46	$ 0.45	$ 0.47	$ 0.39	$ 0.44	$ 0.40	$ 0.43	$ 1.85	$ 1.67	$ 1.56
Diluted (in Dollars per share)	$ 0.46	$ 0.46	$ 0.44	$ 0.46	$ 0.39	$ 0.43	$ 0.40	$ 0.43	$ 1.83	$ 1.65	$ 1.55
Comprehensive income	$ 4,331	$ 9,536	$ 670	$ 8,092	$ 3,994	$ 6,114	$ 10,041	$ 11,988	$ 22,629	$ 32,137	$ 6,222