NBT Bancorp (NBTB) 10-Q 9 Nov 16 2016 Q3 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	9 Months Ended
	Sep. 30, 2016	Oct. 31, 2016
Document And Entity Information [Abstract]
Entity Registrant Name	NBT BANCORP INC
Entity Central Index Key	790,359
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Common Stock, Shares Outstanding		43,160,455
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2016

Consolidated Balance Sheets (un

Consolidated Balance Sheets (unaudited) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 167,138	$ 130,593
Short-term interest bearing accounts	21,299	9,704
Securities available for sale, at fair value	1,288,899	1,174,544
Securities held to maturity (fair value $495,596 and $473,140, respectively)	485,877	471,031
Trading securities	8,852	8,377
Federal Reserve and Federal Home Loan Bank stock	42,318	36,673
Loans	6,160,185	5,883,133
Less allowance for loan losses	65,668	63,018
Net loans	6,094,517	5,820,115
Premises and equipment, net	84,153	88,826
Goodwill	264,689	265,957
Intangible assets, net	15,899	17,265
Bank owned life insurance	164,464	117,044
Other assets	134,919	122,517
Total assets	8,773,024	8,262,646
Liabilities
Demand (noninterest bearing)	2,146,229	1,998,165
Savings, NOW, and money market	3,921,922	3,697,851
Time	881,087	908,827
Total deposits	6,949,238	6,604,843
Short-term borrowings	585,027	442,481
Long-term debt	114,144	130,447
Junior subordinated debt	101,196	101,196
Other liabilities	114,070	101,675
Total liabilities	7,863,675	7,380,642
Stockholders' equity
Preferred stock, $0.01 par value. Authorized 2,500,000 shares at September 30, 2016 and December 31, 2015	0	0
Common stock, $0.01 par value. Authorized 100,000,000 shares at September 30, 2016 and December 31, 2015; issued 49,651,494 at September 30, 2016 and December 31, 2015	497	497
Additional paid-in-capital	573,658	576,726
Retained earnings	492,130	462,232
Accumulated other comprehensive loss	(11,980)	(22,418)
Common stock in treasury, at cost, 6,507,270 and 6,220,792 shares at September 30, 2016 and December 31, 2015, respectively	(144,956)	(135,033)
Total stockholders' equity	909,349	882,004
Total liabilities and stockholders' equity	$ 8,773,024	$ 8,262,646

Consolidated Balance Sheets (u3

Consolidated Balance Sheets (unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Assets
Securities held to maturity fair value	$ 495,596	$ 473,140
Stockholders' equity
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	2,500,000	2,500,000
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	100,000,000	100,000,000
Common stock, shares issued (in shares)	49,651,494	49,651,494
Common stock in treasury, at cost (in shares)	6,507,270	6,220,792

Consolidated Statements of Inco

Consolidated Statements of Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest, fee, and dividend income
Interest and fees on loans	$ 63,414	$ 61,656	$ 187,093	$ 181,047
Securities available for sale	6,013	5,125	17,976	15,214
Securities held to maturity	2,544	2,318	7,328	6,916
Other	538	401	1,441	1,276
Total interest, fee, and dividend income	72,509	69,500	213,838	204,453
Interest expense
Deposits	3,607	3,554	10,809	10,644
Short-term borrowings	761	296	1,668	561
Long-term debt	819	845	2,425	2,507
Junior subordinated debt	660	560	1,920	1,645
Total interest expense	5,847	5,255	16,822	15,357
Net interest income	66,662	64,245	197,016	189,096
Provision for loan losses	6,388	4,966	17,266	12,506
Net interest income after provision for loan losses	60,274	59,279	179,750	176,590
Noninterest income
Insurance and other financial services revenue	6,114	5,862	18,685	18,072
Service charges on deposit accounts	4,354	4,349	12,459	12,706
ATM and debit card fees	5,063	4,780	14,580	13,707
Retirement plan administration fees	4,129	3,249	11,937	10,011
Trust	4,535	4,611	13,848	14,257
Bank owned life insurance	1,336	931	3,898	3,418
Net securities gains	0	3	30	43
Gain on the sale of equity investment	0	4,179	0	4,179
Other	4,113	3,297	12,188	9,617
Total noninterest income	29,644	31,261	87,625	86,010
Noninterest expense
Salaries and employee benefits	32,783	30,227	98,155	91,240
Occupancy	5,035	5,326	15,780	16,804
Data processing and communications	4,183	4,207	12,354	12,598
Professional fees and outside services	3,343	3,137	9,905	10,029
Equipment	3,656	3,352	10,663	9,917
Office supplies and postage	1,438	1,576	4,661	4,822
FDIC expenses	1,287	1,355	3,838	3,833
Advertising	634	421	1,733	1,874
Amortization of intangible assets	952	1,165	2,976	3,636
Loan collection and other real estate owned, net	985	699	2,535	1,593
Other	5,318	8,426	15,683	19,211
Total noninterest expense	59,614	59,891	178,283	175,557
Income before income tax expense	30,304	30,649	89,092	87,043
Income tax expense	10,303	10,798	30,291	29,745
Net income	$ 20,001	$ 19,851	$ 58,801	$ 57,298
Earnings per share
Basic (in dollars per share)	$ 0.46	$ 0.45	$ 1.36	$ 1.30
Diluted (in dollars per share)	$ 0.46	$ 0.45	$ 1.35	$ 1.29

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Consolidated Statements of Comprehensive Income (unaudited) [Abstract]
Net income	$ 20,001	$ 19,851	$ 58,801	$ 57,298
Other comprehensive income, net of tax
Unrealized net holding (losses) gains arising during the period (pre-tax amounts of ($2,931), $3,801, $14,010 and $3,367)	(1,790)	2,323	8,560	2,057
Reclassification adjustment for net gains related to securities available for sale included in net income (pre-tax amounts of $-, $3, $30 and $43)	0	(2)	(19)	(26)
Unrealized losses on derivatives (cash flow hedges) (pre-tax amounts of $782, $-, $719 and $-)	478	0	439	0
Amortization of unrealized net gains and losses related to the reclassification of available for sale investment securities to held to maturity (pre-tax amounts of $267, $328, $843 and $999)	162	200	515	610
Pension and other benefits:
Amortization of prior service cost and actuarial gains (pre-tax amounts of $519, $551, $1,544 and $1,673)	317	337	943	1,021
Total other comprehensive (loss) income	(833)	2,858	10,438	3,662
Comprehensive income	$ 19,168	$ 22,709	$ 69,239	$ 60,960

Consolidated Statements of Com6

Consolidated Statements of Comprehensive Income (unaudited) (Parenthetical) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Other comprehensive income (loss), net of tax:
Unrealized net holding gains (losses) arising during the period, pre-tax amounts	$ (2,931)	$ 3,801	$ 14,009	$ 3,367
Reclassification adjustment for net gains related to securities available for sale included in net income, pre-tax amounts	0	3	30	43
Unrealized losses on derivatives (cash flow hedges), pre-tax amounts	782	0	719	0
Amortization of unrealized net gains and losses related to the reclassification of available for sale investment securities to held to maturity, pre-tax amounts	267	328	843	999
Amortization of prior service cost and actuarial gains, pre-tax amounts	$ 519	$ 551	$ 1,544	$ 1,673

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Common Stock in Treasury [Member]	Total
Beginning Balance at Dec. 31, 2014	$ 497	$ 576,504	$ 423,956	$ (17,027)	$ (119,749)	$ 864,181
Net income	0	0	57,298	0	0	57,298
Cash dividends	0	0	(28,553)	0	0	(28,553)
Purchase of treasury shares	0	0	0	0	(26,797)	(26,797)
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit	0	(3,423)	0	0	6,451	3,028
Stock-based compensation	0	3,397	0	0	0	3,397
Other comprehensive income	0	0	0	3,662	0	3,662
Ending Balance at Sep. 30, 2015	497	576,478	452,701	(13,365)	(140,095)	876,216
Beginning Balance at Dec. 31, 2015	497	576,726	462,232	(22,418)	(135,033)	882,004
Net income	0	0	58,801	0	0	58,801
Cash dividends	0	0	(28,903)	0	0	(28,903)
Purchase of treasury shares	0	0	0	0	(17,193)	(17,193)
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit	0	(6,164)	0	0	7,270	1,106
Stock-based compensation	0	3,096	0	0	0	3,096
Other comprehensive income	0	0	0	10,438	0	10,438
Ending Balance at Sep. 30, 2016	$ 497	$ 573,658	$ 492,130	$ (11,980)	$ (144,956)	$ 909,349

Consolidated Statements of Sto8

Consolidated Statements of Stockholders' Equity (unaudited) (Parenthetical) - $ / shares	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Consolidated Statements of Stockholders' Equity (unaudited) [Abstract]
Cash dividends - per share (in dollars per share)	$ 0.67	$ 0.65
Purchase of treasury shares (in shares)	675,535	1,047,152
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit (in shares)	389,058	336,959

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Operating activities
Net income	$ 58,801	$ 57,298
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan losses	17,266	12,506
Depreciation and amortization of premises and equipment	6,765	6,494
Net accretion on securities	3,781	1,851
Amortization of intangible assets	2,976	3,636
Stock based compensation	3,096	3,397
Bank owned life insurance income	(3,898)	(3,418)
Purchases of trading securities	(34)	(767)
Gains on trading securities	(441)	660
Proceeds from sales of loans held for sale	71,170	50,998
Originations and purchases of loans held for sale	(73,393)	(49,125)
Net gains on sales of loans held for sale	(459)	(108)
Net security gains	(30)	(43)
Net gain on sales of other real estate owned	(625)	(1,241)
Gain on the sale of equity investment	0	(4,179)
Gain on asset sold	(2,462)	0
Impairment write-down	2,565	0
Net (increase) decrease in other assets	(16,599)	8,846
Net decrease in other liabilities	11,395	6,252
Net cash provided by operating activities	79,874	93,057
Investing activities
Net cash (used in) provided by acquisitions	(2,000)	0
Securities available for sale:
Proceeds from maturities, calls, and principal paydowns	250,441	229,347
Proceeds from sales	48	0
Purchases	(352,056)	(272,596)
Securities held to maturity:
Proceeds from maturities, calls, and principal paydowns	76,676	61,379
Purchases	(90,476)	(74,951)
Other:
Net increase in loans	(291,349)	(294,187)
Proceeds from FHLB stock redemption	108,227	39,740
Purchases of Federal Reserve and FHLB stock	(113,872)	(41,115)
Proceeds from settlement of bank owned life insurance	1,478	1,541
Purchase of bank owned life insurance	(45,000)	0
Purchases of premises and equipment	(4,652)	(4,999)
Proceeds from sales of equity investment	0	4,179
Proceeds from the sales of other real estate owned	5,153	3,049
Net cash used in investing activities	(457,382)	(348,613)
Financing activities
Net increase in deposits	344,395	301,022
Net increase in short-term borrowings	142,546	45,530
Proceeds from issuance of long-term debt	3,880	0
Repayments of long-term debt	(20,183)	(310)
Proceeds from the issuance of shares to employee benefit plans and other stock plans	1,106	3,028
Purchase of treasury stock	(17,193)	(26,797)
Cash dividends	(28,903)	(28,553)
Net cash provided by financing activities	425,648	293,920
Net increase in cash and cash equivalents	48,140	38,364
Cash and cash equivalents at beginning of period	140,297	146,636
Cash and cash equivalents at end of period	188,437	185,000
Cash paid during the period for:
Interest	17,269	16,252
Income taxes paid	29,173	19,027
Noncash investing activities:
Loans transferred to other real estate owned	2,363	2,699
Acquisitions:
Fair value of assets acquired	$ 1,703	$ 0

Description of Business

Description of Business	9 Months Ended
	Sep. 30, 2016
Description of Business [Abstract]
Description of Business	Note 1. Description of Business NBT Bancorp Inc. (the “Registrant” or the “Company”) is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The principal assets of the Registrant consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the “Bank”), NBT Financial Services, Inc. (“NBT Financial”), NBT Holdings, Inc. (“NBT Holdings”), Hathaway Agency, Inc. and CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I and Alliance Financial Capital Trust II (collectively, the “Trusts”). The Company’s principal sources of revenue are the management fees and dividends it receives from the Bank, NBT Financial and NBT Holdings. The Company’s business, primarily conducted through the Bank but also through its other subsidiaries, consists of providing commercial banking and financial services to customers in its market area, which includes central and upstate New York, northeastern Pennsylvania, northwestern Vermont, western Massachusetts, southern New Hampshire and southern Maine. The Company has been and intends to continue to be, a community-oriented financial institution offering a variety of financial services. The Company’s business philosophy is to operate as a community bank with local decision-making, principally in non-metropolitan markets, providing a broad array of banking and financial services to retail, commercial and municipal customers.

Basis of Presentation

Basis of Presentation	9 Months Ended
	Sep. 30, 2016
Basis of Presentation [Abstract]
Basis of Presentation	Note 2. Basis of Presentation The accompanying unaudited interim consolidated financial statements include the accounts of the Registrant and its wholly owned subsidiaries, the Bank, NBT Financial and NBT Holdings. Collectively, the Registrant and its subsidiaries are referred to herein as “the Company.” The interim data includes all adjustments, consisting only of normal recurring adjustments, necessary for a fair statement of the results for the interim periods in accordance with generally accepted accounting principles in the United States of America (“GAAP”). These consolidated financial statements should be read in conjunction with the audited consolidated financial statements and notes thereto included in our 2015 Annual Report on Form 10-K. The results of operations for the interim periods are not necessarily indicative of the results that may be expected for the full year or any other interim period. All intercompany transactions have been eliminated in consolidation. Amounts in the prior period financial statements are reclassified whenever necessary to conform to current period presentation. The Company has evaluated subsequent events for potential recognition and/or disclosure and there were none identified.

Securities

Securities	9 Months Ended
	Sep. 30, 2016
Securities [Abstract]
Securities	Note 3. Securities The amortized cost, estimated fair value and unrealized gains and losses of securities available for sale are as follows: (In thousands) Amortized cost Unrealized gains Unrealized losses Estimated fair value September 30, 2016 Federal Agency $ 255,115 $ 1,006 $ (28 ) $ 256,093 State & municipal 38,327 357 (30 ) 38,654 Mortgage-backed: Government-sponsored enterprises 356,484 8,969 - 365,453 U.S. government agency securities 6,418 506 (13 ) 6,911 Collateralized mortgage obligations: Government-sponsored enterprises 536,694 4,580 (189 ) 541,085 U.S. government agency securities 59,931 478 (24 ) 60,385 Other securities 16,744 4,720 (1,146 ) 20,318 Total securities available for sale $ 1,269,713 $ 20,616 $ (1,430 ) $ 1,288,899 December 31, 2015 Federal Agency $ 312,580 $ 203 $ (1,511 ) $ 311,272 State & municipal 31,208 446 (17 ) 31,637 Mortgage-backed: Government-sponsored enterprises 398,086 4,141 (1,068 ) 401,159 U.S. government agency securities 8,191 560 (14 ) 8,737 Collateralized mortgage obligations: Government-sponsored enterprises 364,936 931 (1,828 ) 364,039 U.S. government agency securities 40,699 348 (115 ) 40,932 Other securities 13,637 3,249 (118 ) 16,768 Total securities available for sale $ 1,169,337 $ 9,878 $ (4,671 ) $ 1,174,544 Other The amortized cost, estimated fair value and unrealized gains and losses of securities held to maturity are as follows: (In thousands) Amortized cost Unrealized gains Unrealized losses Estimated fair value September 30, 2016 Mortgage-backed: Government-sponsored enterprises $ 49,229 $ 617 $ - $ 49,846 U.S. government agency securities 549 101 - 650 Collateralized mortgage obligations: Government-sponsored enterprises 237,819 5,314 (386 ) 242,747 State & municipal 198,280 4,130 (57 ) 202,353 Total securities held to maturity $ 485,877 $ 10,162 $ (443 ) $ 495,596 December 31, 2015 Mortgage-backed: Government-sponsored enterprises $ 9,432 $ - $ (107 ) $ 9,325 U.S. government agency securities 611 95 - 706 Collateralized mortgage obligations: Government-sponsored enterprises 272,550 1,411 (1,560 ) 272,401 State & municipal 188,438 2,288 (18 ) 190,708 Total securities held to maturity $ 471,031 $ 3,794 $ (1,685 ) $ 473,140 Securities with amortized costs totaling $1.6 billion at September 30, 2016 and $1.4 billion at December 31, 2015 were pledged to secure public deposits and for other purposes required or permitted by law. At September 30, 2016 and December 31, 2015, securities with an amortized cost of $223.8 million and $205.9 million, respectively, were pledged as collateral for securities sold under repurchase agreements. The following table sets forth information with regard to investment securities with unrealized losses for the periods presented (dollars in thousands): Less than 12 months 12 months or longer Total Security Type: Fair Value Unrealized losses Number of Positions Fair Value Unrealized losses Number of Positions Fair Value Unrealized losses Number of Positions September 30, 2016 Investment securities available for sale: Federal agency $ 9,955 $ (28 ) 1 $ - $ - - $ 9,955 $ (28 ) 1 State & municipal 7,659 (28 ) 12 488 (2 ) 1 8,147 (30 ) 13 Mortgage-backed - - - 996 (13 ) 4 996 (13 ) 4 Collateralized mortgage obligations 56,083 (213 ) 8 - - - 56,083 (213 ) 8 Other securities 174 (26 ) 1 4,746 (1,120 ) 2 4,920 (1,146 ) 3 Total securities with unrealized losses $ 73,871 $ (295 ) 22 $ 6,230 $ (1,135 ) 7 $ 80,101 $ (1,430 ) 29 Investment securities held to maturity: Collateralized mortgage obligations $ - $ - - $ 37,888 $ (386 ) 4 $ 37,888 $ (386 ) 4 State & municipal 5,501 (57 ) 9 - - - 5,501 (57 ) 9 Total securities with unrealized losses $ 5,501 $ (57 ) 9 $ 37,888 $ (386 ) 4 $ 43,389 $ (443 ) 13 December 31, 2015 Investment securities available for sale: Federal agency $ 186,685 $ (1,312 ) 15 $ 19,801 $ (199 ) 2 $ 206,486 $ (1,511 ) 17 State & municipal 4,599 (14 ) 7 502 (3 ) 1 5,101 (17 ) 8 Mortgage-backed 177,270 (1,068 ) 33 1,066 (14 ) 5 178,336 (1,082 ) 38 Collateralized mortgage obligations 256,265 (1,889 ) 24 5,218 (54 ) 2 261,483 (1,943 ) 26 Other securities - - - 3,235 (118 ) 2 3,235 (118 ) 2 Total securities with unrealized losses $ 624,819 $ (4,283 ) 79 $ 29,822 $ (388 ) 12 $ 654,641 $ (4,671 ) 91 Investment securities held to maturity: Mortgage-backed $ 9,325 $ (107 ) 1 $ - $ - - $ 9,325 $ (107 ) 1 Collateralized mortgage obligations 105,604 (281 ) 12 41,523 (1,279 ) 4 147,127 (1,560 ) 16 State & municipal 2,200 (18 ) 3 - - - 2,200 (18 ) 3 Total securities with unrealized losses $ 117,129 $ (406 ) 16 $ 41,523 $ (1,279 ) 4 $ 158,652 $ (1,685 ) 20 Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses or in other comprehensive income, depending on whether the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment shall be recognized in earnings equal to the entire difference between the investment's amortized cost basis and its fair value at the balance sheet date. If the Company does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment shall be separated into (a) the amount representing the credit loss and (b) the amount related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss shall be recognized in earnings. The amount of the total other-than-temporary impairment related to other factors shall be recognized in other comprehensive income, net of applicable taxes. As of September 30, 2016 and December 31, 2015, management believes the impairments detailed in the table above are temporary and no other-than-temporary impairment losses have been realized in the Company’s consolidated statements of income. In estimating other-than-temporary impairment losses, management considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer and (iii) the historical and implied volatility of the fair value of the security. Management has the intent to hold the securities classified as held to maturity until they mature, at which time it is believed the Company will receive full value for the securities. Furthermore, as of September 30, 2016, management also has the intent to hold and will not be required to sell, the securities classified as available for sale for a period of time sufficient for a recovery of cost, which may be until maturity. The unrealized losses are due to increases in market interest rates over the yields available at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. The fair value is expected to recover as the bonds approach their maturity date or repricing date or if market yields for such investments decline. As of September 30, 2016 and December 31, 2015, management believes the impairments detailed in the table above are temporary and no other-than-temporary impairment losses have been realized in the Company’s consolidated statements of income. The following tables set forth information with regard to contractual maturities of debt securities at September 30, 2016: (In thousands) Amortized cost Estimated fair value Debt securities classified as available for sale Within one year $ 39,403 $ 39,495 From one to five years 245,571 247,544 From five to ten years 153,633 156,600 After ten years 814,362 824,942 $ 1,252,969 $ 1,268,581 Debt securities classified as held to maturity Within one year $ 34,787 $ 34,790 From one to five years 25,392 25,639 From five to ten years 123,615 126,865 After ten years 302,083 308,302 $ 485,877 $ 495,596 Maturities of mortgage-backed and collateralized mortgage obligations are stated based on their estimated average lives. Actual maturities may differ from estimated average lives or contractual maturities because, in certain cases, borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Except for U.S. Government securities, there were no holdings, when taken in the aggregate, of any single issuer that exceeded 10% of consolidated stockholders’ equity at September 30, 2016 and December 31, 2015.

Allowance for Loan Losses and C

Allowance for Loan Losses and Credit Quality of Loans	9 Months Ended
	Sep. 30, 2016
Allowance for Loan Losses and Credit Quality of Loans [Abstract]
Allowance for Loan Losses and Credit Quality of Loans	Note 4. Allowance for Loan Losses and Credit Quality of Loans Allowance for Loan Losses The allowance for loan losses is maintained at a level estimated by management to provide adequately for probable incurred losses inherent in the current loan portfolio. The adequacy of the allowance for loan losses is continuously monitored. It is assessed for adequacy using a methodology designed to ensure the level of the allowance reasonably reflects the loan portfolio’s risk profile. It is evaluated to ensure that it is sufficient to absorb all reasonably estimable credit losses inherent in the current loan portfolio. To develop and document a systematic methodology for determining the allowance for loan losses, the Company has divided the loan portfolio into three segments, each with different risk characteristics and methodologies for assessing risk. Those segments are further segregated between our loans accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired in a business combination (referred to as “acquired” loans). Each portfolio segment is broken down into class segments where appropriate. Class segments contain unique measurement attributes, risk characteristics and methods for monitoring and assessing risk that are necessary to develop the allowance for loan losses. Unique characteristics such as borrower type, loan type, collateral type and risk characteristics define each class segment. The following table illustrates the portfolio and class segments for the Company’s loan portfolio: Portfolio Class Commercial Loans Commercial Commercial Real Estate Agricultural Agricultural Real Estate Business Banking Consumer Loans Indirect Home Equity Direct Residential Real Estate Mortgages Commercial Loans The Company offers a variety of commercial loan products including commercial (non-real estate), commercial real estate, agricultural, agricultural real estate, and business banking loans. The Company’s underwriting analysis for commercial loans typically includes credit verification, independent appraisals, a review of the borrower’s financial condition and a detailed analysis of the borrower’s underlying cash flows. Commercial – Commercial Real Estate – Agricultural Agricultural Real Estate Business Banking Consumer Loans The Company offers a variety of consumer loan products including indirect, home equity and direct loans. Indirect – Home Equity Direct – Residential Real Estate Mortgages Residential real estate loans consist primarily of loans secured by first or second deeds of trust on primary residences. We originate adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase or refinancing of a mortgage. These loans are collateralized by owner-occupied properties located in the Company’s market area. Loans on one-to-four-family residential real estate are generally originated in amounts of no more than 85% of the purchase price or appraised value (whichever is lower) or have private mortgage insurance. The Company’s underwriting analysis for residential mortgage loans typically includes credit verification, independent appraisals and a review of the borrower’s financial condition. Mortgage title insurance and hazard insurance are normally required. Construction loans have a unique risk, because they are secured by an incomplete dwelling. This risk is reduced through periodic site inspections, including one at each loan draw period. For purposes of evaluating the adequacy of the allowance, the Company considers a number of significant factors that affect the collectability of the portfolio. For individually analyzed loans, these include estimates of loss exposure, which reflect the facts and circumstances that affect the likelihood of repayment of such loans as of the evaluation date. For homogeneous pools of loans, estimates of the Company’s exposure to credit loss reflect a current assessment of a number of factors, which could affect collectability. These factors include: past loss experience, loss emergence period, size, trend, composition and nature of loans; changes in lending policies and procedures, including underwriting standards and collection, charge-offs and recoveries; trends experienced in nonperforming and delinquent loans; current economic conditions in the Company’s market; portfolio concentrations that may affect loss experienced across one or more components of the portfolio; the effect of external factors such as competition, legal and regulatory requirements; and the experience, ability and depth of lending management and staff. In addition, various regulatory agencies, as an integral component of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to make loan grade changes as well as recognize additions to the allowance based on their examinations. After a thorough consideration of the factors discussed above, any required additions or reductions to the allowance for loan losses are made periodically by charges or credits to the provision for loan losses. These charges or credits are necessary to maintain the allowance at a level which management believes is reasonably reflective of overall inherent risk of probable loss in the portfolio. While management uses available information to recognize losses on loans, additions and reductions of the allowance may fluctuate from one reporting period to another. These fluctuations are reflective of changes in risk associated with portfolio content and/or changes in management’s assessment of any or all of the determining factors discussed above. The following tables illustrate the changes in the allowance for loan losses by our portfolio segments for the three and nine months ended September 30, 2016 and 2015 (in thousands): Three months ended September 30, Commercial Loans Consumer Loans Residential Real Estate Mortgages Unallocated Total Balance as of June 30, 2016 $ 25,222 $ 31,471 $ 7,875 $ - $ 64,568 Charge-offs (637 ) (6,046 ) (142 ) - (6,825 ) Recoveries 512 898 127 - 1,537 Provision 1,514 6,078 (1,481 ) 277 6,388 Ending Balance as of September 30, 2016 $ 26,611 $ 32,401 $ 6,379 $ 277 $ 65,668 Balance as of June 30, 2015 $ 28,326 $ 28,314 $ 8,281 $ 38 $ 64,959 Charge-offs (1,333 ) (4,530 ) (511 ) - (6,374 ) Recoveries 258 889 161 - 1,308 Provision (2,800 ) 7,333 51 382 4,966 Ending Balance as of September 30, 2015 $ 24,451 $ 32,006 $ 7,982 $ 420 $ 64,859 Nine months ended September 30, Commercial Loans Consumer Loans Residential Real Estate Mortgages Unallocated Total Balance as of December 31, 2015 $ 25,545 $ 29,253 $ 7,960 $ 260 $ 63,018 Charge-offs (1,723 ) (16,409 ) (1,119 ) - (19,251 ) Recoveries 1,616 2,779 240 - 4,635 Provision 1,173 16,778 (702 ) 17 17,266 Ending Balance as of September 30, 2016 $ 26,611 $ 32,401 $ 6,379 $ 277 $ 65,668 Balance as of December 31, 2014 $ 32,433 $ 26,720 $ 7,130 $ 76 $ 66,359 Charge-offs (2,715 ) (13,183 ) (1,524 ) - (17,422 ) Recoveries 772 2,334 310 - 3,416 Provision (6,039 ) 16,135 2,066 344 12,506 Ending Balance as of September 30, 2015 $ 24,451 $ 32,006 $ 7,982 $ 420 $ 64,859 Included in the above table there was $0.7 million and $1.9 million in the allowance for loan losses related to acquired commercial loans as of September 30, 2016 and September 30, 2015, respectively. Net charge-offs related to acquired loans totaled approximately $0.1 million and $0.5 million during the three months ended September 30, 2016 and 2015, respectively and approximately $0.4 million and $1.2 million during the nine months ended September 30, 2016 and 2015, respectively and are included in the table above. The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments as of September 30, 2016 and December 31, 2015: Allowance for Loan Losses and Recorded Investment in Loans (In thousands) Commercial Loans Consumer Loans Residential Real Estate Mortgages Unallocated Total As of September 30, 2016 Allowance for loan losses $ 26,611 $ 32,401 $ 6,379 $ 277 $ 65,668 Allowance for loans individually evaluated for impairment 3,372 - - - 3,372 Allowance for loans collectively evaluated for impairment $ 23,239 $ 32,401 $ 6,379 $ 277 $ 62,296 Ending balance of loans $ 2,781,143 $ 2,138,705 $ 1,240,337 $ 6,160,185 Ending balance of originated loans individually evaluated for impairment 21,594 8,502 6,088 36,184 Ending balance of acquired loans individually evaluated for impairment 1,205 - - 1,205 Ending balance of acquired loans collectively evaluated for impairment 252,414 69,173 207,289 528,876 Ending balance of originated loans collectively evaluated for impairment $ 2,505,930 $ 2,061,030 $ 1,026,960 $ 5,593,920 As of December 31, 2015 Allowance for loan losses $ 25,545 $ 29,253 $ 7,960 $ 260 $ 63,018 Allowance for loans individually evaluated for impairment 2,005 - - - 2,005 Allowance for loans collectively evaluated for impairment $ 23,540 $ 29,253 $ 7,960 $ 260 $ 61,013 Ending balance of loans $ 2,589,707 $ 2,096,646 $ 1,196,780 $ 5,883,133 Ending balance of originated loans individually evaluated for impairment 12,253 7,693 6,017 25,963 Ending balance of acquired loans individually evaluated for impairment 1,205 - - 1,205 Ending balance of acquired loans collectively evaluated for impairment 284,524 95,427 230,358 610,309 Ending balance of originated loans collectively evaluated for impairment $ 2,291,725 $ 1,993,526 $ 960,405 $ 5,245,656 Credit Quality of Loans Loans are placed on nonaccrual status when timely collection of principal and interest in accordance with contractual terms is doubtful. Loans are transferred to nonaccrual status generally when principal or interest payments become 90 days delinquent, unless the loan is well secured and in the process of collection or sooner when management concludes or circumstances indicate that borrowers may be unable to meet contractual principal or interest payments. When a loan is transferred to a nonaccrual status, all interest previously accrued in the current period but not collected is reversed against interest income in that period. Interest accrued in a prior period and not collected is charged-off against the allowance for loan losses. The Company’s nonaccrual policies are the same for all classes of financing receivable. If ultimate repayment of a nonaccrual loan is expected, any payments received are applied in accordance with contractual terms. If ultimate repayment of principal is not expected, any payment received on a nonaccrual loan is applied to principal until ultimate repayment becomes expected. Nonaccrual loans are returned to accrual status when they become current as to principal and interest and demonstrate a period of performance under the contractual terms and, in the opinion of management, are fully collectible as to principal and interest. When in the opinion of management the collection of principal appears unlikely, the loan balance is charged-off in total or in part. For loans in all portfolios, the principal amount is charged off in full or in part as soon as management determines, based on available facts, that the collection of principal in full is improbable. For commercial loans, management considers specific facts and circumstances relative to individual credits in making such a determination. For consumer and residential loan classes, management uses specific guidance and thresholds from the Federal Financial Institutions Examination Council’s Uniform Retail Credit Classification and Account Management Policy. The following tables set forth information with regard to past due and nonperforming loans by loan class as of September 30, 2016 and December 31, 2015: Age Analysis of Past Due Financing Receivables As of September 30, 2016 (In thousands) 31-60 Days Past Due Accruing 61-90 Days Past Due Accruing Greater Than 90 Days Past Due Accruing Total Past Due Accruing Nonaccrual Current Recorded Total Loans ORIGINATED Commercial Loans Commercial $ 416 $ 6 $ - $ 422 $ 3,188 $ 676,143 $ 679,753 Commercial Real Estate - 152 - 152 13,748 1,301,079 1,314,979 Agricultural - - - - 1,069 36,236 37,305 Agricultural Real Estate - - - - 1,686 30,710 32,396 Business Banking 1,622 598 - 2,220 3,969 456,902 463,091 2,038 756 - 2,794 23,660 2,501,070 2,527,524 Consumer Loans Indirect 14,618 3,559 2,412 20,589 1,830 1,523,881 1,546,300 Home Equity 3,420 864 383 4,667 3,083 452,056 459,806 Direct 413 171 38 622 82 62,722 63,426 18,451 4,594 2,833 25,878 4,995 2,038,659 2,069,532 Residential Real Estate Mortgages 2,400 151 489 3,040 6,579 1,023,429 1,033,048 $ 22,889 $ 5,501 $ 3,322 $ 31,712 $ 35,234 $ 5,563,158 $ 5,630,104 ACQUIRED Commercial Loans Commercial $ - $ - $ - $ - $ - $ 59,215 $ 59,215 Commercial Real Estate - - 834 834 1,898 140,390 143,122 Business Banking 887 64 - 951 403 49,928 51,282 887 64 834 1,785 2,301 249,533 253,619 Consumer Loans Indirect 64 29 6 99 53 12,157 12,309 Home Equity 239 9 34 282 321 53,003 53,606 Direct 11 - - 11 42 3,205 3,258 314 38 40 392 416 68,365 69,173 Residential Real Estate Mortgages 822 127 248 1,197 2,765 203,327 207,289 $ 2,023 $ 229 $ 1,122 $ 3,374 $ 5,482 $ 521,225 $ 530,081 Total Loans $ 24,912 $ 5,730 $ 4,444 $ 35,086 $ 40,716 $ 6,084,383 $ 6,160,185 Age Analysis of Past Due Financing Receivables As of December 31, 2015 (In thousands) 31-60 Days Past Due Accruing 61-90 Days Past Due Accruing Greater Than 90 Days Past Due Accruing Total Past Due Accruing Nonaccrual Current Recorded Total Loans ORIGINATED Commercial Loans Commercial $ 782 $ 23 $ - $ 805 $ 2,817 $ 640,696 $ 644,318 Commercial Real Estate 39 32 - 71 5,546 1,189,280 1,194,897 Agricultural 94 - - 94 897 33,633 34,624 Agricultural Real Estate - - - - 1,046 28,172 29,218 Business Banking 912 394 - 1,306 4,247 395,368 400,921 1,827 449 - 2,276 14,553 2,287,149 2,303,978 Consumer Loans Indirect 15,731 2,963 2,271 20,965 1,786 1,454,499 1,477,250 Home Equity 3,396 1,671 340 5,407 4,835 454,473 464,715 Direct 425 201 28 654 49 58,551 59,254 19,552 4,835 2,639 27,026 6,670 1,967,523 2,001,219 Residential Real Estate Mortgages 3,301 365 696 4,362 7,713 954,347 966,422 $ 24,680 $ 5,649 $ 3,335 $ 33,664 $ 28,936 $ 5,209,019 $ 5,271,619 ACQUIRED Commercial Loans Commercial $ - $ - $ - $ - $ - $ 68,991 $ 68,991 Commercial Real Estate - - - - 1,313 165,630 166,943 Business Banking 288 - - 288 307 49,200 49,795 288 - - 288 1,620 283,821 285,729 Consumer Loans Indirect 143 11 1 155 104 27,516 27,775 Home Equity 327 132 - 459 457 62,811 63,727 Direct 76 20 - 96 43 3,786 3,925 546 163 1 710 604 94,113 95,427 Residential Real Estate Mortgages 1,443 293 326 2,062 2,584 225,712 230,358 $ 2,277 $ 456 $ 327 $ 3,060 $ 4,808 $ 603,646 $ 611,514 Total Loans $ 26,957 $ 6,105 $ 3,662 $ 36,724 $ 33,744 $ 5,812,665 $ 5,883,133 There were no material commitments to extend further credit to borrowers with nonperforming loans. Impaired Loans The methodology used to establish the allowance for loan losses on impaired loans incorporates specific allocations on loans analyzed individually. Classified and nonperforming loans with outstanding balances of $0.8 million or more and all troubled debt restructured loans (“TDRs”) are evaluated for impairment through the Company’s quarterly status review process. In determining that we will be unable to collect all principal and interest payments due in accordance with the contractual terms of the loan agreements, we consider factors such as payment history and changes in the financial condition of individual borrowers, local economic conditions, historical loss experience and the conditions of the various markets in which the collateral may be liquidated. For loans that are impaired as defined by accounting standards, impairment is measured by one of three methods: 1) the fair value of collateral less cost to sell, 2) present value of expected future cash flows discounted at the loan's original effective interest rate or 3) the loan’s observable market price. All impaired loans are reviewed on a quarterly basis for changes in the level of impairment. Any change to the previously recognized impairment loss is recognized as a change to the allowance account and recorded in the unaudited interim consolidated statements of income as a component of the provision for loan losses. The following table provides information on loans specifically evaluated for impairment as of September 30, 2016 and December 31, 2015: September 30, 2016 December 31, 2015 (In thousands) Recorded Investment Balance (Book) Unpaid Principal Balance (Legal) Related Allowance Recorded Investment Balance (Book) Unpaid Principal Balance (Legal) Related Allowance ORIGINATED With no related allowance recorded: Commercial Loans Commercial $ 2,174 $ 2,441 $ 2,244 $ 2,490 Commercial Real Estate 8,469 8,602 3,165 3,175 Agricultural 133 139 576 1,164 Agricultural Real Estate 1,457 1,583 618 744 Business Banking 665 732 983 1,033 Total Commercial Loans 12,898 13,497 7,586 8,606 Consumer Loans Indirect 7 17 12 21 Home Equity 8,495 9,463 7,681 8,574 Direct - - - - Total Consumer Loans 8,502 9,480 7,693 8,595 Residential Real Estate Mortgages 6,088 6,910 6,017 6,627 Total 27,488 29,887 21,296 23,828 With an allowance recorded: Commercial Loans Commercial 1,014 1,022 $ 555 457 457 $ 300 Commercial Real Estate 7,476 9,324 2,035 4,210 6,059 970 Agricultural 50 50 37 - - - Agricultural Real Estate 156 156 54 - - - Total Commercial Loans 8,696 10,552 2,681 4,667 6,516 1,270 ACQUIRED With an allowance recorded: Commercial Loans Commercial Real Estate 1,205 1,321 691 1,205 1,321 735 Total Commercial Loans 1,205 1,321 691 1,205 1,321 735 Total: $ 37,389 $ 41,760 $ 3,372 $ 27,168 $ 31,665 $ 2,005 The following tables summarize the average recorded investments on impaired loans specifically evaluated for impairment and the interest income recognized for the three and nine months ended September 30, 2016 and 2015: For the three months ended September 30, 2016 September 30, 2015 (In thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized ORIGINATED Commercial Loans Commercial $ 3,204 $ - $ 2,469 $ 42 Commercial Real Estate 15,799 48 8,560 42 Agricultural 85 - 19 - Agricultural Real Estate 935 11 626 11 Business Banking 743 - 1,003 3 Consumer Loans Indirect 8 - 20 - Home Equity 8,401 116 7,432 134 Direct - - - - Residential Real Estate Mortgage 6,141 76 5,564 37 Total Originated $ 35,316 $ 251 $ 25,693 $ 269 ACQUIRED Commercial Loans Commercial - - 2,531 - Commercial Real Estate 1,205 - 6,918 - Total Acquired $ 1,205 $ - $ 9,449 $ - Total Loans $ 36,521 $ 251 $ 35,142 $ 269 For the nine months ended September 30, 2016 September 30, 2015 (In thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized ORIGINATED Commercial Loans Commercial $ 3,041 $ - $ 2,026 $ 128 Commercial Real Estate 14,782 122 8,884 124 Agricultural 101 1 19 1 Agricultural Real Estate 742 33 630 34 Business Banking 882 7 952 9 Consumer Loans Indirect 9 - 14 - Home Equity 8,207 357 6,869 298 Direct - - 1 - Residential Real Estate Mortgage 6,147 211 4,857 100 Total Originated $ 33,911 $ 731 $ 24,252 $ 694 ACQUIRED Commercial Loans Commercial - - 2,658 - Commercial Real Estate 1,205 - 7,070 - Total Acquired $ 1,205 $ - $ 9,728 $ - Total Loans $ 35,116 $ 731 $ 33,980 $ 694 Credit Quality Indicators The Company has developed an internal loan grading system to evaluate and quantify the Company’s loan portfolio with respect to quality and risk. The system focuses on, among other things, financial strength of borrowers, experience and depth of borrower’s management, primary and secondary sources of repayment, payment history, nature of the business and outlook on particular industries. The internal grading system enables the Company to monitor the quality of the entire loan portfolio on a consistent basis and provide management with an early warning system, enabling recognition and response to problem loans and potential problem loans. Commercial Grading System For commercial and agricultural loans, the Company uses a grading system that relies on quantifiable and measurable characteristics when available. This would include comparison of financial strength to available industry averages, comparison of transaction factors (loan terms and conditions) to loan policy and comparison of credit history to stated repayment terms and industry averages. Some grading factors are necessarily more subjective such as economic and industry factors, regulatory environment, and management. Classified commercial loans consist of loans graded substandard and below. The grading system for commercial and agricultural loans is as follows: ● Doubtful A doubtful loan has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as a loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on the new information. Nonaccrual treatment is required for doubtful assets because of the high probability of loss. ● Substandard Substandard loans have a high probability of payment default or they have other well-defined weaknesses. They require more intensive supervision by bank management. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. For some Substandard loans, the likelihood of full collection of interest and principal may be in doubt and those loans should be placed on nonaccrual. Although Substandard assets in the aggregate will have a distinct potential for loss, an individual asset’s loss potential does not have to be distinct for the asset to be rated Substandard. ● Special Mention Special Mention loans have potential weaknesses that may, if not checked or corrected, weaken the asset or inadequately protect the Company’s position at some future date. These loans pose elevated risk, but their weakness does not yet justify a Substandard classification. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or may be struggling with an ill-proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a Special Mention rating. Although a Special Mention loan has a higher probability of default than a pass asset, its default is not imminent. ● Pass Loans graded as Pass encompass all loans not graded as Doubtful, Substandard or Special Mention. Pass loans are in compliance with loan covenants and payments are generally made as agreed. Pass loans range from superior quality to fair quality. Business Banking Grading System Business banking loans are graded as either Classified or Non-classified: ● Classified Classified loans are inadequately protected by the current worth and paying capacity of the obligor or, if applicable, the collateral pledged. These loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt, or in some cases make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Classified loans have a high probability of payment default or a high probability of total or substantial loss. These loans require more intensive supervision by management and are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. When the likelihood of full collection of interest and principal may be in doubt; classified loans are considered to have a nonaccrual status. In some cases, Classified loans are considered uncollectible and of such little value that their continuance as assets is not warranted. ● Non-classified Loans graded as Non-classified encompass all loans not graded as Classified. Non-classified loans are in compliance with loan covenants and payments are generally made as agreed and it is expected that such timely payments of principal and interest will continue. Consumer and Residential Mortgage Grading System Consumer and Residential Mortgage loans are graded as either Performing or Nonperforming. Nonperforming loans are loans that are 1) over 90 days past due and interest is still accruing, 2) on nonaccrual status or 3) restructured. All loans not meeting any of these three criteria are considered Performing. The following tables illustrate the Company’s credit quality by loan class as of September 30, 2016 and December 31, 2015: Credit Quality Indicators As of September 30, 2016 (In thousands) ORIGINATED Commercial Credit Exposure By Internally Assigned Grade: Commercial Commercial Real Estate Agricultural Agricultural Real Estate Total Pass $ 631,244 $ 1,262,056 $ 36,493 $ 29,254 $ 1,959,047 Special Mention 9,307 13,110 1 1,480 23,898 Substandard 39,202 39,813 806 1,662 81,483 Doubtful - - 5 - 5 Total $ 679,753 $ 1,314,979 $ 37,305 $ 32,396 $ 2,064,433 Business Banking Credit Exposure By Internally Assigned Grade: Business Banking Total Non-classified $ 449,947 $ 449,947 Classified 13,144 13,144 Total $ 463,091 $ 463,091 Consumer Credit Exposure By Payment Activity: Indirect Home Equity Direct Total Performing $ 1,542,058 $ 456,340 $ 63,306 $ 2,061,704 Nonperforming 4,242 3,466 120 7,828 Total $ 1,546,300 $ 459,806 $ 63,426 $ 2,069,532 Residential Mortgage Credit Exposure By Payment Activity: Residential Mortgage Total Performing $ 1,025,980 $ 1,025,980 Nonperforming 7,068 7,068 Total $ 1,033,048 $ 1,033,048 Credit Quality Indicators As of September 30, 2016 (In thousands) ACQUIRED Commercial Credit Exposure By Internally Assigned Grade: Commercial Commercial Real Estate Total Pass $ 57,040 $ 131,985 $ 189,025 Special Mention 171 1,248 1,419 Substandard 2,004 9,889 11,893 Total $ 59,215 $ 143,122 $ 202,337 Business Banking Credit Exposure By Internally Assigned Grade: Business Banking Total Non-classified $ 47,983 $ 47,983 Classified 3,299 3,299 Total $ 51,282 $ 51,282 Consumer Credit Exposure By Payment Activity: Indirect Home Equity Direct Total Performing $ 12,250 $ 53,251 $ 3,216 $ 68,717 Nonperforming 59 355 42 456 Total $ 12,309 $ 53,606 $ 3,258 $ 69,173 Residential Mortgage Credit Exposure By Payment Activity: Residential Mortgage Total Performing $ 204,276 $ 204,276 Nonperforming 3,013 3,013 Total $ 207,289 $ 207,289 Credit Quality Indicators As of December 31, 2015 (In thousands) ORIGINATED Commercial Credit Exposure By Internally Assigned Grade: Commercial Commercial Real Estate Agricultural Agricultural Real Estate Total Pass $ 604,405 $ 1,144,832 $ 33,565 $ 27,320 $ 1,810,122 Special Mention 9,726 21,587 311 429 32,053 Substandard 30,187 28,478 740 1,469 60,874 Doubtful - - 8 - 8 Total $ 644,318 $ 1,194,897 $ 34,624 $ 29,218 $ 1,903,057 Business Banking Credit Exposure By Internally Assigned Grade: Business Banking Total Non-classified $ 386,397 $ 386,397 Classified 14,524 14,524 Total $ 400,921 $ 400,921 Total Consumer Credit Exposure By Payment Activity: Indirect Home Equity Direct Total Performing $ 1,473,193 $ 459,540 $ 59,177 $ 1,991,910 Nonperforming 4,057 5,175 77 9,309 Total $ 1,477,250 $ 464,715 $ 59,254 $ 2,001,219 Residential Mortgage Credit Exposure By Payment Activity: Residential Mortgage Total Performing $ 958,013 $ 958,013 Nonperforming 8,409 8,409 Total $ 966,422 $ 966,422 Credit Quality Indicators As of December 31, 2015 (In thousands) ACQUIRED Commercial Credit Exposure By Internally Assigned Grade: Commercial Commercial Real Estate Total Pass $ 67,241 $ 154,871 $ 222,112 Special Mention 802 2,174 2,976 Substandard 948 9,898 10,846 Total $ 68,991 $ 166,943 $ 235,934 Business Banking Credit Exposure By Internally Assigned Grade: Business Banking Total Non-classified $ 46,032 $ 46,032 Classified 3,763 3,763 Total $ 49,795 $ 49,795 Consumer Credit Exposure By Payment Activity: Indirect Home Equity Direct Total Performing $ 27,670 $ 63,270 $ 3,882 $ 94,822 Nonperforming 105 457 43 605 Total $ 27,775 $ 63,727 $ 3,925 $ 95,427 Residential Mortgage Credit Exposure By Payment Activity: Residential Mortgage Total Performing $ 227,448 $ 227,448 Nonperforming 2,910 2,910 Total $ 230,358 $ 230,358 Troubled Debt Restructured Loans The Company’s loan portfolio includes certain loans that have been modified where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months. Substantially all of these modifications included one or a combination of the following: an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; temporary reduction in the interest rate; or change in scheduled payment amount. When the Company modifies a loan, management evaluates any possible impairment based on the present value of the expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole (remaining) source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, instead of discounted cash flows. If management determines that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance. The following tables illustrate the recorded investment and number of modifications for modified loans, including the recorded investment in the loans prior to a modification and the recorded investment in the loans after restructuring for the three and nine months ended September 30, 2016 and 2015 (dollars in thousands): Three months ended September 30, 2016 Number of contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer Home Equity 10 $ 580 $ 556 Total Consumer 10 580 556 Residential Real Estate 4 230 126 Total Troubled Debt Restructurings 14 $ 810 $ 682 Three months ended September 30, 2015 Number of contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer Home Equity 12 $ 863 $ 802 Total Consumer 12 863 802 Residential Real Estate 16 1,293 1,191 Total Troubled Debt Restructurings 28 $ 2,156 $ 1,993 Nine months ended September 30, 2016 Number of contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer Home Equity 24 $ 1,690 $ 1,567 Total Consumer 24 1,690 1,567 Residential Real Estate 10 914 692 Total Troubled Debt Restructurings 34 $ 2,604 $ 2,259 Nine months ended September 30, 2015 Number of contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial Commercial 1 $ 1,250 $ 186 Business Banking 1 220 173 Total Commercial 2 1,470 359 Consumer Home Equity 43 3,321 3,017 Total Consumer 43 3,321 3,017 Residential Real Estate 32 3,066 2,854 Total Troubled Debt Restructurings 77 $ 7,857 $ 6,230 The following table illustrates the recorded investment and number of modifications for TDRs within the three and nine months ended September 30, 2016 and 2015 where a concession has been made and subsequently defa

Defined Benefit Postretirement

Defined Benefit Postretirement Plans	9 Months Ended
	Sep. 30, 2016
Defined Benefit Postretirement Plans [Abstract]
Defined Benefit Postretirement Plans	Note 5. Defined Benefit Postretirement Plans The Company has a qualified, noncontributory, defined benefit pension plan (“the Plan”) covering substantially all of its employees at September 30, 2016. Benefits paid from the plan are based on age, years of service, compensation and social security benefits and are determined in accordance with defined formulas. The Company’s policy is to fund the pension plan in accordance with Employee Retirement Income Security Act of 1974 (“ERISA”) standards. Assets of the plan are invested in publicly traded stocks and bonds. The Company is not required to make contributions to the Plan in 2016. However, the Company made contributions to the plan totaling $5.6 million during the nine months ended September 30, 2016. Market conditions can result in an unusually high degree of volatility and increase the risks and short-term liquidity associated with certain investments held by the Plan which could impact the value of these investments. In addition to the Plan, the Company also provides supplemental employee retirement plans to certain current and former executives. These supplemental employee retirement plans and the Plan are collectively referred to herein as “Pension Benefits.” Also, the Company provides certain health care benefits for retired employees. Benefits are accrued over the employees’ active service period. Only employees that were employed by the Company on or before January 1, 2000 are eligible to receive postretirement health care benefits. In addition, the Company assumed post-retirement medical life insurance benefits for certain Alliance employees, retirees and their spouses, if applicable, in the Alliance acquisition. These postretirement benefits are referred to herein as “Other Benefits.” The components of expense for Pension Benefits and Other Benefits are set forth below (in thousands): Pension Benefits Other Benefits Three months ended September 30, Three months ended September 30, Components of net periodic (benefit) cost: 2016 2015 2016 2015 Service cost $ 534 $ 669 $ 3 $ 4 Interest cost 1,050 996 89 101 Expected return on plan assets (1,857 ) (2,147 ) - - Net amortization 504 550 15 1 Total cost $ 231 $ 68 $ 107 $ 106 Pension Benefits Other Benefits Nine months ended September 30, Nine months ended September 30, Components of net periodic (benefit) cost: 2016 2015 2016 2015 Service cost $ 1,654 $ 1,979 $ 10 $ 12 Interest cost 3,151 2,992 277 283 Expected return on plan assets (5,527 ) (6,447 ) - - Net amortization 1,471 1,642 73 31 Total cost $ 749 $ 166 $ 360 $ 326

Earnings Per Share

Earnings Per Share	9 Months Ended
	Sep. 30, 2016
Earnings Per Share [Abstract]
Earnings Per Share	Note 6. Earnings Per Share Basic earnings per share excludes dilution and is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as the Company’s dilutive stock options and restricted stock units). The following is a reconciliation of basic and diluted earnings per share for the periods presented in the unaudited interim consolidated statements of income. Three months ended September 30, 2016 2015 (In thousands, except per share data) Basic EPS: Weighted average common shares outstanding 43,200 43,692 Net income $ 20,001 $ 19,851 Basic EPS $ 0.46 $ 0.45 Diluted EPS: Weighted average common shares outstanding 43,200 43,692 Dilutive effect of common stock options and restricted stock 362 570 Weighted average common shares and common share equivalents 43,562 44,262 Net income $ 20,001 $ 19,851 Diluted EPS $ 0.46 $ 0.45 Nine months ended September 30, 2016 2015 (In thousands, except per share data) Basic EPS: Weighted average common shares outstanding 43,214 43,949 Net income $ 58,801 $ 57,298 Basic EPS $ 1.36 $ 1.30 Diluted EPS: Weighted average common shares outstanding 43,214 43,949 Dilutive effect of common stock options and restricted stock 366 519 Weighted average common shares and common share equivalents 43,580 44,468 Net income $ 58,801 $ 57,298 Diluted EPS $ 1.35 $ 1.29 There were no stock options for the quarter ended September 30, 2016 and 36,360 stock options for the quarter ended September 30, 2015 that were not considered in the calculation of diluted earnings per share since the stock options’ exercise price was greater than the average market price during these periods. There were 36,865 and 334,759 stock options for the nine months ended September 30, 2016 and September 30, 2015 respectively, that were not considered in the calculation of diluted earnings per share since the stock options’ exercise price was greater than the average market price during these periods.

Reclassification Adjustments Ou

Reclassification Adjustments Out of Other Comprehensive Income (Loss)	9 Months Ended
	Sep. 30, 2016
Reclassification Adjustments Out of Other Comprehensive Income (Loss) [Abstract]
Reclassification Adjustments Out of Other Comprehensive Income (Loss)	Note 7. Reclassification Adjustments Out of Other Comprehensive Income (Loss) The following table summarizes the reclassification adjustments out of accumulated other comprehensive income (loss) (in thousands): Detail About Accumulated Other Comprehensive Income (Loss) Components Amount reclassified from accumulated other comprehensive income (loss) Affected line item in the consolidated statement of comprehensive income (loss) Three months ended September 30, 2016 September 30, 2015 Securities: Gains on available for sale securities $ - $ (3 ) Net securities gains Amortization of unrealized gains and losses related to securities transfer 267 328 Interest income Tax benefit (105 ) (127 ) Income tax expense Net of tax $ 162 $ 198 Pension and other benefits: Amortization of net losses $ 565 $ 566 Salaries and employee benefits Amortization of prior service costs (46 ) (15 ) Salaries and employee benefits Tax benefit (202 ) (214 ) Income tax expense Net of tax $ 317 $ 337 Total reclassifications during the period, net of tax $ 479 $ 535 Detail About Accumulated Other Comprehensive Income (Loss) Components Amount reclassified from accumulated other comprehensive income (loss) Affected line item in the consolidated statement of comprehensive income (loss) Nine months ended September 30, 2016 September 30, 2015 Securities: Gains on available for sale securities $ (30 ) (43 ) Net securities gains Amortization of unrealized gains and losses related to securities transfer 843 999 Interest income Tax benefit (317 ) (372 ) Income tax expense Net of tax $ 496 $ 584 Pension and other benefits: Amortization of net losses $ 1,595 $ 1,697 Salaries and employee benefits Amortization of prior service costs (51 ) (24 ) Salaries and employee benefits Tax benefit (601 ) (652 ) Income tax expense Net of tax $ 943 $ 1,021 Total reclassifications during the period, net of tax $ 1,439 $ 1,605

Fair Value Measurements and Fai

Fair Value Measurements and Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2016
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Fair Value Measurements and Fair Value of Financial Instruments	Note 8. Fair Value Measurements and Fair Value of Financial Instruments GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy. The Company does not adjust the quoted prices for such instruments. The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations, or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations and certain physical commodities. Such instruments are generally classified within Level 2 of the fair value hierarchy. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate will be used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets and changes in financial ratios or cash flows. For the nine month period ending September 30, 2016, the Company has made no transfers of assets between Level 1 and Level 2 and has had no Level 3 activity. The following tables set forth the Company’s financial assets and liabilities measured on a recurring basis that were accounted for at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement (in thousands): September 30, 2016: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Balance as of September 30, 2016 Assets: Securities Available for Sale: Federal Agency $ - $ 256,093 $ - $ 256,093 State & municipal - 38,654 - 38,654 Mortgage-backed - 372,364 - 372,364 Collateralized mortgage obligations - 601,470 - 601,470 Other securities 10,964 9,354 - 20,318 Total Securities Available for Sale $ 10,964 $ 1,277,935 $ - $ 1,288,899 Trading Securities 8,852 - - 8,852 Interest Rate Swaps - 18,977 - 18,977 Total $ 19,816 $ 1,296,912 $ - $ 1,316,728 Liabilities: Interest Rate Swaps $ - $ 18,258 $ - $ 18,258 Total $ - $ 18,258 $ - $ 18,258 December 31, 2015: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Balance as of December 31, 2015 Assets: Securities Available for Sale: Federal Agency $ - $ 311,272 $ - $ 311,272 State & municipal - 31,637 - 31,637 Mortgage-backed - 409,896 - 409,896 Collateralized mortgage obligations - 404,971 - 404,971 Other securities 7,526 9,242 - 16,768 Total Securities Available for Sale $ 7,526 $ 1,167,018 $ - $ 1,174,544 Trading Securities 8,377 - - 8,377 Interest Rate Swaps - 6,224 - 6,224 Total $ 15,903 $ 1,173,242 $ - $ 1,189,145 Liabilities: Interest Rate Swaps $ - $ 6,224 $ - $ 6,224 Total $ - $ 6,224 $ - $ 6,224 Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). The majority of the other investment securities are reported at fair value utilizing Level 2 inputs. The prices for these instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third party providers. GAAP requires disclosure of assets and liabilities measured and recorded at fair value on a nonrecurring basis such as goodwill, loans held for sale, other real estate owned, collateral-dependent impaired loans, mortgage servicing rights and held to maturity securities. The Company had two nonrecurring fair value measurements recorded during the nine month period ended September 30, 2016 related to impairment of goodwill and impaired loans. As a result of the disposition of a line of business, the Company performed a goodwill impairment test which resulted in an impairment charge; the impairment charge was offset by an increase in goodwill resulting from the acquisition of a subsidiary causing goodwill to decrease by $1.2 million during the three months ended September 30, 2016. For the nine month periods ending September 30, 2016 and September 30, 2015, the Company had $9.9 million of loans recorded at fair value resulting in specific allowance reserves of $3.2 million and $3.4 million, respectively. The Company uses the fair value of underlying collateral, less costs to sell, to estimate the specific reserves for collateral dependent impaired loans. The appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses ranging from 10% to 35%. Based on the valuation techniques used, the fair value measurements for collateral dependent impaired loans are classified as Level 3. The following table sets forth information with regard to estimated fair values of financial instruments at September 30, 2016 and December 31, 2015. This table excludes financial instruments for which the carrying amount approximates fair value. Financial instruments for which the fair value approximates carrying value include cash and cash equivalents, securities available for sale, trading securities, accrued interest receivable, non-maturity deposits, short-term borrowings, accrued interest payable and interest rate swaps. September 30, 2016 December 31, 2015 (In thousands) Fair Value Hierarchy Carrying amount Estimated fair value Carrying amount Estimated fair value Financial assets Securities held to maturity 2 $ 485,877 $ 495,596 $ 471,031 $ 473,140 Net loans 3 6,094,517 6,251,740 5,820,115 5,958,427 Financial liabilities Time deposits 2 $ 881,087 $ 883,221 $ 908,827 $ 903,501 Long-term debt 2 114,144 115,840 130,447 131,268 Junior subordinated debt 2 101,196 101,141 101,196 97,346 Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, the Company has a substantial trust and investment management operation that contributes net fee income annually. The trust and investment management operation is not considered a financial instrument and its value has not been incorporated into the fair value estimates. Other significant assets and liabilities include the benefits resulting from the low-cost funding of deposit liabilities as compared to the cost of borrowing funds in the market and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimate of fair value. Securities Held to Maturity The fair value of the Company’s investment securities held to maturity is primarily measured using information from a third party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Net Loans The fair value of the Company’s loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made for the same remaining maturities. Loans were first segregated by type and then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments. Time Deposits The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value. Long-Term Debt The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. Junior Subordinated Debt The fair value of junior subordinated debt has been estimated using a discounted cash flow analysis. Interest Rate Swaps The Company enters into interest rate swaps to facilitate customer transactions and meet their financing needs. These swaps are considered derivatives, but are not designated in hedging relationships. These instruments have interest rate and credit risk associated with them. To mitigate the interest rate risk, the Company enters into offsetting interest rate swaps with counterparties. The counterparty swaps are also considered derivatives and are also not designated in hedging relationships. Interest rate swaps are recorded within other assets or other liabilities on the consolidated balance sheet at their estimated fair value. Changes to the fair value of assets and liabilities arising from these derivatives are included, net, in other operating income in the consolidated statement of income. The notional amount of these customer derivative agreement and the offsetting derivative counterparty positions each totaled $344.4 million at September 30, 2016. Fair values included in other assets and other liabilities on the consolidated balance sheet applicable to these agreements amounted to $18.3 million. At December 31, 2015, the notional amount of these customer derivate agreements and the offsetting derivative counterparty positions each totaled $192.6 million. At December 31, 2015, fair values included in other assets and other liabilities on the consolidated balance sheet applicable to these agreements amounted to $6.2 million. In June 2016, the Company entered into interest rate swaps to modify the interest rate characteristics of certain short-term FHLB advances from variable rate to fixed rate in order to reduce the impact of changes in future cash flows due to market interest rate changes. These agreements are designated as cash flow hedges. The notional amount of these interest rate derivative agreements total $150 million at September 30, 2016. Fair values included in other assets on the consolidated balance sheet applicable to these agreements amounted to $0.7 million at September 30, 2016.

Commitments and Contingencies

Commitments and Contingencies	9 Months Ended
	Sep. 30, 2016
Commitments and Contingencies [Abstract]
Commitments and Contingencies	Note 9. Commitments and Contingencies The Company is a party to financial instruments in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuating interest rates. These financial instruments include commitments to extend credit, unused lines of credit and standby letters of credit. Exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to make loans and standby letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit origination guidelines, portfolio maintenance and management procedures as other credit and off-balance sheet products. Commitments to extend credit and unused lines of credit totaled $1.4 billion at September 30, 2016 and $1.3 billion at December 31, 2015. Since commitments to extend credit and unused lines of credit may expire without being fully drawn upon, this amount does not necessarily represent future cash commitments. Collateral obtained upon exercise of the commitment is determined using management’s credit evaluation of the borrower and may include accounts receivable, inventory, property, land and other items. The Company guarantees the obligations or performance of customers by issuing standby letters of credit to third parties. These standby letters of credit are frequently issued in support of third party debt, such as corporate debt issuances, industrial revenue bonds and municipal securities. The credit risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers and they are subject to the same credit origination guidelines, portfolio maintenance and management procedures as other credit and off-balance sheet products. Typically, these instruments have terms of five years or less and expire unused; therefore, the total amounts do not necessarily represent future cash commitments. Standby letters of credit totaled $38.8 million at September 30, 2016 and $31.5 million at December 31, 2015. As of September 30, 2016, the fair value of standby letters of credit was not significant to the Company’s unaudited interim consolidated financial statements. The Company has also entered into commercial letter of credit agreements on behalf of its customers. Under these agreements, the Company, on the request of its customer, opens the letter of credit and makes a commitment to honor draws made under the agreement, whereby the beneficiary is normally the provider of goods and/or services and the Company essentially replaces the customer as the payee. The credit risk involved in issuing commercial letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers and they are subject to the same credit origination guidelines, portfolio maintenance and management procedures as other credit and off-balance sheet products. Typically, these agreements vary in terms and the total amounts do not necessarily represent future cash commitments. There were no commercial letters of credit at September 30, 2016 and $11.3 million at December 31, 2015.

Recent Accounting Pronouncement

Recent Accounting Pronouncements	9 Months Ended
	Sep. 30, 2016
Recent Accounting Pronouncements [Abstract]
Recent Accounting Pronouncements	Note 10. Recent Accounting Pronouncements In August 2016, the FASB issued Accounting Standards Update (“ASU”) No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments) In June 2016, the FASB issued Accounting Standards Update No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments In March 2016, the FASB issued ASU No. 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting. In March 2016, the FASB issued ASU No. 2016-07, Investments - Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting In March 2016, the FASB issued ASU No. 2016-06, Derivatives and Hedging (Topic 815): Contingent Put and Call Options in Debt Instruments In March 2016, the FASB issued ASU No. 2016-05, Derivatives and Hedging (Topic 815): Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments - Overall (Subtopic 825-10) – Recognition and Measurement of Financial Assets and Financial Liabilities In May 2014, the FASB issued ASU No. 2014-09 - Revenue from Contracts with Customers (Topic 606) Revenue from Contracts with Customers - Deferral of the Effective Date Principal versus Agent Considerations (Reporting Revenue Gross versus Net), Identifying Performance Obligations and Licensing Narrow-Scope Improvements and Practical Expedients

Description of Business (Polici

Description of Business (Policies)	9 Months Ended
	Sep. 30, 2016
Description of Business [Abstract]
Nature of Operations	NBT Bancorp Inc. (the “Registrant” or the “Company”) is a registered financial holding company incorporated in the state of Delaware in 1986, with its principal headquarters located in Norwich, New York. The principal assets of the Registrant consist of all of the outstanding shares of common stock of its subsidiaries, including: NBT Bank, National Association (the “Bank”), NBT Financial Services, Inc. (“NBT Financial”), NBT Holdings, Inc. (“NBT Holdings”), Hathaway Agency, Inc. and CNBF Capital Trust I, NBT Statutory Trust I, NBT Statutory Trust II, Alliance Financial Capital Trust I and Alliance Financial Capital Trust II (collectively, the “Trusts”). The Company’s principal sources of revenue are the management fees and dividends it receives from the Bank, NBT Financial and NBT Holdings. The Company’s business, primarily conducted through the Bank but also through its other subsidiaries, consists of providing commercial banking and financial services to customers in its market area, which includes central and upstate New York, northeastern Pennsylvania, northwestern Vermont, western Massachusetts, southern New Hampshire and southern Maine. The Company has been and intends to continue to be, a community-oriented financial institution offering a variety of financial services. The Company’s business philosophy is to operate as a community bank with local decision-making, principally in non-metropolitan markets, providing a broad array of banking and financial services to retail, commercial and municipal customers.

Securities (Policies)

Securities (Policies)	9 Months Ended
	Sep. 30, 2016
Securities [Abstract]
Investment, Policy	Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses or in other comprehensive income, depending on whether the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment shall be recognized in earnings equal to the entire difference between the investment's amortized cost basis and its fair value at the balance sheet date. If the Company does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment shall be separated into (a) the amount representing the credit loss and (b) the amount related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss shall be recognized in earnings. The amount of the total other-than-temporary impairment related to other factors shall be recognized in other comprehensive income, net of applicable taxes. As of September 30, 2016 and December 31, 2015, management believes the impairments detailed in the table above are temporary and no other-than-temporary impairment losses have been realized in the Company’s consolidated statements of income. In estimating other-than-temporary impairment losses, management considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer and (iii) the historical and implied volatility of the fair value of the security. Management has the intent to hold the securities classified as held to maturity until they mature, at which time it is believed the Company will receive full value for the securities. Furthermore, as of September 30, 2016, management also has the intent to hold and will not be required to sell, the securities classified as available for sale for a period of time sufficient for a recovery of cost, which may be until maturity. The unrealized losses are due to increases in market interest rates over the yields available at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. The fair value is expected to recover as the bonds approach their maturity date or repricing date or if market yields for such investments decline. As of September 30, 2016 and December 31, 2015, management believes the impairments detailed in the table above are temporary and no other-than-temporary impairment losses have been realized in the Company’s consolidated statements of income.

Allowance for Loan Losses and22

Allowance for Loan Losses and Credit Quality of Loans (Policies)	9 Months Ended
	Sep. 30, 2016
Allowance for Loan Losses and Credit Quality of Loans [Abstract]
Portfolio and Class Segments	The following table illustrates the portfolio and class segments for the Company’s loan portfolio: Portfolio Class Commercial Loans Commercial Commercial Real Estate Agricultural Agricultural Real Estate Business Banking Consumer Loans Indirect Home Equity Direct Residential Real Estate Mortgages
Allowance for Loan Losses	Allowance for Loan Losses The allowance for loan losses is maintained at a level estimated by management to provide adequately for probable incurred losses inherent in the current loan portfolio. The adequacy of the allowance for loan losses is continuously monitored. It is assessed for adequacy using a methodology designed to ensure the level of the allowance reasonably reflects the loan portfolio’s risk profile. It is evaluated to ensure that it is sufficient to absorb all reasonably estimable credit losses inherent in the current loan portfolio. To develop and document a systematic methodology for determining the allowance for loan losses, the Company has divided the loan portfolio into three segments, each with different risk characteristics and methodologies for assessing risk. Those segments are further segregated between our loans accounted for under the amortized cost method (referred to as “originated” loans) and loans acquired in a business combination (referred to as “acquired” loans). Each portfolio segment is broken down into class segments where appropriate. Class segments contain unique measurement attributes, risk characteristics and methods for monitoring and assessing risk that are necessary to develop the allowance for loan losses. Unique characteristics such as borrower type, loan type, collateral type and risk characteristics define each class segment. The following table illustrates the portfolio and class segments for the Company’s loan portfolio: Portfolio Class Commercial Loans Commercial Commercial Real Estate Agricultural Agricultural Real Estate Business Banking Consumer Loans Indirect Home Equity Direct Residential Real Estate Mortgages Commercial Loans The Company offers a variety of commercial loan products including commercial (non-real estate), commercial real estate, agricultural, agricultural real estate, and business banking loans. The Company’s underwriting analysis for commercial loans typically includes credit verification, independent appraisals, a review of the borrower’s financial condition and a detailed analysis of the borrower’s underlying cash flows. Commercial – Commercial Real Estate – Agricultural Agricultural Real Estate Business Banking Consumer Loans The Company offers a variety of consumer loan products including indirect, home equity and direct loans. Indirect – Home Equity Direct – Residential Real Estate Mortgages Residential real estate loans consist primarily of loans secured by first or second deeds of trust on primary residences. We originate adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase or refinancing of a mortgage. These loans are collateralized by owner-occupied properties located in the Company’s market area. Loans on one-to-four-family residential real estate are generally originated in amounts of no more than 85% of the purchase price or appraised value (whichever is lower) or have private mortgage insurance. The Company’s underwriting analysis for residential mortgage loans typically includes credit verification, independent appraisals and a review of the borrower’s financial condition. Mortgage title insurance and hazard insurance are normally required. Construction loans have a unique risk, because they are secured by an incomplete dwelling. This risk is reduced through periodic site inspections, including one at each loan draw period. For purposes of evaluating the adequacy of the allowance, the Company considers a number of significant factors that affect the collectability of the portfolio. For individually analyzed loans, these include estimates of loss exposure, which reflect the facts and circumstances that affect the likelihood of repayment of such loans as of the evaluation date. For homogeneous pools of loans, estimates of the Company’s exposure to credit loss reflect a current assessment of a number of factors, which could affect collectability. These factors include: past loss experience, loss emergence period, size, trend, composition and nature of loans; changes in lending policies and procedures, including underwriting standards and collection, charge-offs and recoveries; trends experienced in nonperforming and delinquent loans; current economic conditions in the Company’s market; portfolio concentrations that may affect loss experienced across one or more components of the portfolio; the effect of external factors such as competition, legal and regulatory requirements; and the experience, ability and depth of lending management and staff. In addition, various regulatory agencies, as an integral component of their examination process, periodically review the Company’s allowance for loan losses. Such agencies may require the Company to make loan grade changes as well as recognize additions to the allowance based on their examinations. After a thorough consideration of the factors discussed above, any required additions or reductions to the allowance for loan losses are made periodically by charges or credits to the provision for loan losses. These charges or credits are necessary to maintain the allowance at a level which management believes is reasonably reflective of overall inherent risk of probable loss in the portfolio. While management uses available information to recognize losses on loans, additions and reductions of the allowance may fluctuate from one reporting period to another. These fluctuations are reflective of changes in risk associated with portfolio content and/or changes in management’s assessment of any or all of the determining factors discussed above.
Troubled Debt Restructuring	Troubled Debt Restructured Loans The Company’s loan portfolio includes certain loans that have been modified where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months. Substantially all of these modifications included one or a combination of the following: an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; temporary reduction in the interest rate; or change in scheduled payment amount. When the Company modifies a loan, management evaluates any possible impairment based on the present value of the expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole (remaining) source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, instead of discounted cash flows. If management determines that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized through an allowance estimate or a charge-off to the allowance.

Defined Benefit Postretiremen23

Defined Benefit Postretirement Plans (Policies)	9 Months Ended
	Sep. 30, 2016
Defined Benefit Postretirement Plans [Abstract]
Postemployment Benefit Plans, Policy	The Company has a qualified, noncontributory, defined benefit pension plan (“the Plan”) covering substantially all of its employees at September 30, 2016. Benefits paid from the plan are based on age, years of service, compensation and social security benefits and are determined in accordance with defined formulas. The Company’s policy is to fund the pension plan in accordance with Employee Retirement Income Security Act of 1974 (“ERISA”) standards. Assets of the plan are invested in publicly traded stocks and bonds. The Company is not required to make contributions to the Plan in 2016. However, the Company made contributions to the plan totaling $5.6 million during the nine months ended September 30, 2016. Market conditions can result in an unusually high degree of volatility and increase the risks and short-term liquidity associated with certain investments held by the Plan which could impact the value of these investments. In addition to the Plan, the Company also provides supplemental employee retirement plans to certain current and former executives. These supplemental employee retirement plans and the Plan are collectively referred to herein as “Pension Benefits.” Also, the Company provides certain health care benefits for retired employees. Benefits are accrued over the employees’ active service period. Only employees that were employed by the Company on or before January 1, 2000 are eligible to receive postretirement health care benefits. In addition, the Company assumed post-retirement medical life insurance benefits for certain Alliance employees, retirees and their spouses, if applicable, in the Alliance acquisition. These postretirement benefits are referred to herein as “Other Benefits.”

Fair Value Measurements and F24

Fair Value Measurements and Fair Value of Financial Instruments (Policies)	9 Months Ended
	Sep. 30, 2016
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Instruments, Policy	GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1 measurements) and the lowest priority to unobservable inputs (Level 3 measurements). The three levels of the fair value hierarchy are described below: Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities; Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability; Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity). A financial instrument’s level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement. The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within Level 1 or Level 2 of the fair value hierarchy. The Company does not adjust the quoted prices for such instruments. The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations, or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations and certain physical commodities. Such instruments are generally classified within Level 2 of the fair value hierarchy. Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability and such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate will be used. Management’s best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes Level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets and changes in financial ratios or cash flows. For the nine month period ending September 30, 2016, the Company has made no transfers of assets between Level 1 and Level 2 and has had no Level 3 activity. Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). The majority of the other investment securities are reported at fair value utilizing Level 2 inputs. The prices for these instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third party providers. GAAP requires disclosure of assets and liabilities measured and recorded at fair value on a nonrecurring basis such as goodwill, loans held for sale, other real estate owned, collateral-dependent impaired loans, mortgage servicing rights and held to maturity securities. The Company had two nonrecurring fair value measurements recorded during the nine month period ended September 30, 2016 related to impairment of goodwill and impaired loans. As a result of the disposition of a line of business, the Company performed a goodwill impairment test which resulted in an impairment charge; the impairment charge was offset by an increase in goodwill resulting from the acquisition of a subsidiary causing goodwill to decrease by $1.2 million during the three months ended September 30, 2016. For the nine month periods ending September 30, 2016 and September 30, 2015, the Company had $9.9 million of loans recorded at fair value resulting in specific allowance reserves of $3.2 million and $3.4 million, respectively. The Company uses the fair value of underlying collateral, less costs to sell, to estimate the specific reserves for collateral dependent impaired loans. The appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses ranging from 10% to 35%. Based on the valuation techniques used, the fair value measurements for collateral dependent impaired loans are classified as Level 3. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, the Company has a substantial trust and investment management operation that contributes net fee income annually. The trust and investment management operation is not considered a financial instrument and its value has not been incorporated into the fair value estimates. Other significant assets and liabilities include the benefits resulting from the low-cost funding of deposit liabilities as compared to the cost of borrowing funds in the market and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimate of fair value. Securities Held to Maturity The fair value of the Company’s investment securities held to maturity is primarily measured using information from a third party pricing service. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond’s terms and conditions, among other things. Net Loans The fair value of the Company’s loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made for the same remaining maturities. Loans were first segregated by type and then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments. Time Deposits The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company’s time deposit liabilities do not take into consideration the value of the Company’s long-term relationships with depositors, which may have significant value. Long-Term Debt The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. Junior Subordinated Debt The fair value of junior subordinated debt has been estimated using a discounted cash flow analysis. Interest Rate Swaps The Company enters into interest rate swaps to facilitate customer transactions and meet their financing needs. These swaps are considered derivatives, but are not designated in hedging relationships. These instruments have interest rate and credit risk associated with them. To mitigate the interest rate risk, the Company enters into offsetting interest rate swaps with counterparties. The counterparty swaps are also considered derivatives and are also not designated in hedging relationships. Interest rate swaps are recorded within other assets or other liabilities on the consolidated balance sheet at their estimated fair value. Changes to the fair value of assets and liabilities arising from these derivatives are included, net, in other operating income in the consolidated statement of income. The notional amount of these customer derivative agreement and the offsetting derivative counterparty positions each totaled $344.4 million at September 30, 2016. Fair values included in other assets and other liabilities on the consolidated balance sheet applicable to these agreements amounted to $18.3 million. At December 31, 2015, the notional amount of these customer derivate agreements and the offsetting derivative counterparty positions each totaled $192.6 million. At December 31, 2015, fair values included in other assets and other liabilities on the consolidated balance sheet applicable to these agreements amounted to $6.2 million. In June 2016, the Company entered into interest rate swaps to modify the interest rate characteristics of certain short-term FHLB advances from variable rate to fixed rate in order to reduce the impact of changes in future cash flows due to market interest rate changes. These agreements are designated as cash flow hedges. The notional amount of these interest rate derivative agreements total $150 million at September 30, 2016. Fair values included in other assets on the consolidated balance sheet applicable to these agreements amounted to $0.7 million at September 30, 2016.

Recent Accounting Pronounceme25

Recent Accounting Pronouncements (Policies)	9 Months Ended
	Sep. 30, 2016
Recent Accounting Pronouncements [Abstract]
New Accounting Pronouncements	In August 2016, the FASB issued Accounting Standards Update (“ASU”) No. 2016-15, Statement of Cash Flows (Topic 230): Classification of Certain Cash Receipts and Cash Payments) In June 2016, the FASB issued Accounting Standards Update No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments In March 2016, the FASB issued ASU No. 2016-09, Compensation - Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting. In March 2016, the FASB issued ASU No. 2016-07, Investments - Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting In March 2016, the FASB issued ASU No. 2016-06, Derivatives and Hedging (Topic 815): Contingent Put and Call Options in Debt Instruments In March 2016, the FASB issued ASU No. 2016-05, Derivatives and Hedging (Topic 815): Effect of Derivative Contract Novations on Existing Hedge Accounting Relationships In February 2016, the FASB issued ASU No. 2016-02, Leases (Topic 842) In January 2016, the FASB issued ASU No. 2016-01, Financial Instruments - Overall (Subtopic 825-10) – Recognition and Measurement of Financial Assets and Financial Liabilities In May 2014, the FASB issued ASU No. 2014-09 - Revenue from Contracts with Customers (Topic 606) Revenue from Contracts with Customers - Deferral of the Effective Date Principal versus Agent Considerations (Reporting Revenue Gross versus Net), Identifying Performance Obligations and Licensing Narrow-Scope Improvements and Practical Expedients

Securities (Tables)

Securities (Tables)	9 Months Ended
	Sep. 30, 2016
Securities [Abstract]
Amortized Cost, Estimated Fair Value, and Unrealized Gains and Losses of Securities Available for Sale	The amortized cost, estimated fair value and unrealized gains and losses of securities available for sale are as follows: (In thousands) Amortized cost Unrealized gains Unrealized losses Estimated fair value September 30, 2016 Federal Agency $ 255,115 $ 1,006 $ (28 ) $ 256,093 State & municipal 38,327 357 (30 ) 38,654 Mortgage-backed: Government-sponsored enterprises 356,484 8,969 - 365,453 U.S. government agency securities 6,418 506 (13 ) 6,911 Collateralized mortgage obligations: Government-sponsored enterprises 536,694 4,580 (189 ) 541,085 U.S. government agency securities 59,931 478 (24 ) 60,385 Other securities 16,744 4,720 (1,146 ) 20,318 Total securities available for sale $ 1,269,713 $ 20,616 $ (1,430 ) $ 1,288,899 December 31, 2015 Federal Agency $ 312,580 $ 203 $ (1,511 ) $ 311,272 State & municipal 31,208 446 (17 ) 31,637 Mortgage-backed: Government-sponsored enterprises 398,086 4,141 (1,068 ) 401,159 U.S. government agency securities 8,191 560 (14 ) 8,737 Collateralized mortgage obligations: Government-sponsored enterprises 364,936 931 (1,828 ) 364,039 U.S. government agency securities 40,699 348 (115 ) 40,932 Other securities 13,637 3,249 (118 ) 16,768 Total securities available for sale $ 1,169,337 $ 9,878 $ (4,671 ) $ 1,174,544
Amortized Cost, Estimated Fair Value, and Unrealized Gains and Losses of Securities Held to Maturity	The amortized cost, estimated fair value and unrealized gains and losses of securities held to maturity are as follows: (In thousands) Amortized cost Unrealized gains Unrealized losses Estimated fair value September 30, 2016 Mortgage-backed: Government-sponsored enterprises $ 49,229 $ 617 $ - $ 49,846 U.S. government agency securities 549 101 - 650 Collateralized mortgage obligations: Government-sponsored enterprises 237,819 5,314 (386 ) 242,747 State & municipal 198,280 4,130 (57 ) 202,353 Total securities held to maturity $ 485,877 $ 10,162 $ (443 ) $ 495,596 December 31, 2015 Mortgage-backed: Government-sponsored enterprises $ 9,432 $ - $ (107 ) $ 9,325 U.S. government agency securities 611 95 - 706 Collateralized mortgage obligations: Government-sponsored enterprises 272,550 1,411 (1,560 ) 272,401 State & municipal 188,438 2,288 (18 ) 190,708 Total securities held to maturity $ 471,031 $ 3,794 $ (1,685 ) $ 473,140
Investment Securities with Unrealized Losses	The following table sets forth information with regard to investment securities with unrealized losses for the periods presented (dollars in thousands): Less than 12 months 12 months or longer Total Security Type: Fair Value Unrealized losses Number of Positions Fair Value Unrealized losses Number of Positions Fair Value Unrealized losses Number of Positions September 30, 2016 Investment securities available for sale: Federal agency $ 9,955 $ (28 ) 1 $ - $ - - $ 9,955 $ (28 ) 1 State & municipal 7,659 (28 ) 12 488 (2 ) 1 8,147 (30 ) 13 Mortgage-backed - - - 996 (13 ) 4 996 (13 ) 4 Collateralized mortgage obligations 56,083 (213 ) 8 - - - 56,083 (213 ) 8 Other securities 174 (26 ) 1 4,746 (1,120 ) 2 4,920 (1,146 ) 3 Total securities with unrealized losses $ 73,871 $ (295 ) 22 $ 6,230 $ (1,135 ) 7 $ 80,101 $ (1,430 ) 29 Investment securities held to maturity: Collateralized mortgage obligations $ - $ - - $ 37,888 $ (386 ) 4 $ 37,888 $ (386 ) 4 State & municipal 5,501 (57 ) 9 - - - 5,501 (57 ) 9 Total securities with unrealized losses $ 5,501 $ (57 ) 9 $ 37,888 $ (386 ) 4 $ 43,389 $ (443 ) 13 December 31, 2015 Investment securities available for sale: Federal agency $ 186,685 $ (1,312 ) 15 $ 19,801 $ (199 ) 2 $ 206,486 $ (1,511 ) 17 State & municipal 4,599 (14 ) 7 502 (3 ) 1 5,101 (17 ) 8 Mortgage-backed 177,270 (1,068 ) 33 1,066 (14 ) 5 178,336 (1,082 ) 38 Collateralized mortgage obligations 256,265 (1,889 ) 24 5,218 (54 ) 2 261,483 (1,943 ) 26 Other securities - - - 3,235 (118 ) 2 3,235 (118 ) 2 Total securities with unrealized losses $ 624,819 $ (4,283 ) 79 $ 29,822 $ (388 ) 12 $ 654,641 $ (4,671 ) 91 Investment securities held to maturity: Mortgage-backed $ 9,325 $ (107 ) 1 $ - $ - - $ 9,325 $ (107 ) 1 Collateralized mortgage obligations 105,604 (281 ) 12 41,523 (1,279 ) 4 147,127 (1,560 ) 16 State & municipal 2,200 (18 ) 3 - - - 2,200 (18 ) 3 Total securities with unrealized losses $ 117,129 $ (406 ) 16 $ 41,523 $ (1,279 ) 4 $ 158,652 $ (1,685 ) 20
Contractual Maturities of Debt Securities	The following tables set forth information with regard to contractual maturities of debt securities at September 30, 2016: (In thousands) Amortized cost Estimated fair value Debt securities classified as available for sale Within one year $ 39,403 $ 39,495 From one to five years 245,571 247,544 From five to ten years 153,633 156,600 After ten years 814,362 824,942 $ 1,252,969 $ 1,268,581 Debt securities classified as held to maturity Within one year $ 34,787 $ 34,790 From one to five years 25,392 25,639 From five to ten years 123,615 126,865 After ten years 302,083 308,302 $ 485,877 $ 495,596

Allowance for Loan Losses and27

Allowance for Loan Losses and Credit Quality of Loans (Tables)	9 Months Ended
	Sep. 30, 2016
Allowance for Loan Losses and Credit Quality of Loans [Abstract]
Portfolio and Class Segments	The following table illustrates the portfolio and class segments for the Company’s loan portfolio: Portfolio Class Commercial Loans Commercial Commercial Real Estate Agricultural Agricultural Real Estate Business Banking Consumer Loans Indirect Home Equity Direct Residential Real Estate Mortgages
Allowance for Loan Losses by Portfolio	The following tables illustrate the changes in the allowance for loan losses by our portfolio segments for the three and nine months ended September 30, 2016 and 2015 (in thousands): Three months ended September 30, Commercial Loans Consumer Loans Residential Real Estate Mortgages Unallocated Total Balance as of June 30, 2016 $ 25,222 $ 31,471 $ 7,875 $ - $ 64,568 Charge-offs (637 ) (6,046 ) (142 ) - (6,825 ) Recoveries 512 898 127 - 1,537 Provision 1,514 6,078 (1,481 ) 277 6,388 Ending Balance as of September 30, 2016 $ 26,611 $ 32,401 $ 6,379 $ 277 $ 65,668 Balance as of June 30, 2015 $ 28,326 $ 28,314 $ 8,281 $ 38 $ 64,959 Charge-offs (1,333 ) (4,530 ) (511 ) - (6,374 ) Recoveries 258 889 161 - 1,308 Provision (2,800 ) 7,333 51 382 4,966 Ending Balance as of September 30, 2015 $ 24,451 $ 32,006 $ 7,982 $ 420 $ 64,859 Nine months ended September 30, Commercial Loans Consumer Loans Residential Real Estate Mortgages Unallocated Total Balance as of December 31, 2015 $ 25,545 $ 29,253 $ 7,960 $ 260 $ 63,018 Charge-offs (1,723 ) (16,409 ) (1,119 ) - (19,251 ) Recoveries 1,616 2,779 240 - 4,635 Provision 1,173 16,778 (702 ) 17 17,266 Ending Balance as of September 30, 2016 $ 26,611 $ 32,401 $ 6,379 $ 277 $ 65,668 Balance as of December 31, 2014 $ 32,433 $ 26,720 $ 7,130 $ 76 $ 66,359 Charge-offs (2,715 ) (13,183 ) (1,524 ) - (17,422 ) Recoveries 772 2,334 310 - 3,416 Provision (6,039 ) 16,135 2,066 344 12,506 Ending Balance as of September 30, 2015 $ 24,451 $ 32,006 $ 7,982 $ 420 $ 64,859 The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segments as of September 30, 2016 and December 31, 2015: Allowance for Loan Losses and Recorded Investment in Loans (In thousands) Commercial Loans Consumer Loans Residential Real Estate Mortgages Unallocated Total As of September 30, 2016 Allowance for loan losses $ 26,611 $ 32,401 $ 6,379 $ 277 $ 65,668 Allowance for loans individually evaluated for impairment 3,372 - - - 3,372 Allowance for loans collectively evaluated for impairment $ 23,239 $ 32,401 $ 6,379 $ 277 $ 62,296 Ending balance of loans $ 2,781,143 $ 2,138,705 $ 1,240,337 $ 6,160,185 Ending balance of originated loans individually evaluated for impairment 21,594 8,502 6,088 36,184 Ending balance of acquired loans individually evaluated for impairment 1,205 - - 1,205 Ending balance of acquired loans collectively evaluated for impairment 252,414 69,173 207,289 528,876 Ending balance of originated loans collectively evaluated for impairment $ 2,505,930 $ 2,061,030 $ 1,026,960 $ 5,593,920 As of December 31, 2015 Allowance for loan losses $ 25,545 $ 29,253 $ 7,960 $ 260 $ 63,018 Allowance for loans individually evaluated for impairment 2,005 - - - 2,005 Allowance for loans collectively evaluated for impairment $ 23,540 $ 29,253 $ 7,960 $ 260 $ 61,013 Ending balance of loans $ 2,589,707 $ 2,096,646 $ 1,196,780 $ 5,883,133 Ending balance of originated loans individually evaluated for impairment 12,253 7,693 6,017 25,963 Ending balance of acquired loans individually evaluated for impairment 1,205 - - 1,205 Ending balance of acquired loans collectively evaluated for impairment 284,524 95,427 230,358 610,309 Ending balance of originated loans collectively evaluated for impairment $ 2,291,725 $ 1,993,526 $ 960,405 $ 5,245,656
Past Due and Nonperforming Loans by Loan Class	The following tables set forth information with regard to past due and nonperforming loans by loan class as of September 30, 2016 and December 31, 2015: Age Analysis of Past Due Financing Receivables As of September 30, 2016 (In thousands) 31-60 Days Past Due Accruing 61-90 Days Past Due Accruing Greater Than 90 Days Past Due Accruing Total Past Due Accruing Nonaccrual Current Recorded Total Loans ORIGINATED Commercial Loans Commercial $ 416 $ 6 $ - $ 422 $ 3,188 $ 676,143 $ 679,753 Commercial Real Estate - 152 - 152 13,748 1,301,079 1,314,979 Agricultural - - - - 1,069 36,236 37,305 Agricultural Real Estate - - - - 1,686 30,710 32,396 Business Banking 1,622 598 - 2,220 3,969 456,902 463,091 2,038 756 - 2,794 23,660 2,501,070 2,527,524 Consumer Loans Indirect 14,618 3,559 2,412 20,589 1,830 1,523,881 1,546,300 Home Equity 3,420 864 383 4,667 3,083 452,056 459,806 Direct 413 171 38 622 82 62,722 63,426 18,451 4,594 2,833 25,878 4,995 2,038,659 2,069,532 Residential Real Estate Mortgages 2,400 151 489 3,040 6,579 1,023,429 1,033,048 $ 22,889 $ 5,501 $ 3,322 $ 31,712 $ 35,234 $ 5,563,158 $ 5,630,104 ACQUIRED Commercial Loans Commercial $ - $ - $ - $ - $ - $ 59,215 $ 59,215 Commercial Real Estate - - 834 834 1,898 140,390 143,122 Business Banking 887 64 - 951 403 49,928 51,282 887 64 834 1,785 2,301 249,533 253,619 Consumer Loans Indirect 64 29 6 99 53 12,157 12,309 Home Equity 239 9 34 282 321 53,003 53,606 Direct 11 - - 11 42 3,205 3,258 314 38 40 392 416 68,365 69,173 Residential Real Estate Mortgages 822 127 248 1,197 2,765 203,327 207,289 $ 2,023 $ 229 $ 1,122 $ 3,374 $ 5,482 $ 521,225 $ 530,081 Total Loans $ 24,912 $ 5,730 $ 4,444 $ 35,086 $ 40,716 $ 6,084,383 $ 6,160,185 Age Analysis of Past Due Financing Receivables As of December 31, 2015 (In thousands) 31-60 Days Past Due Accruing 61-90 Days Past Due Accruing Greater Than 90 Days Past Due Accruing Total Past Due Accruing Nonaccrual Current Recorded Total Loans ORIGINATED Commercial Loans Commercial $ 782 $ 23 $ - $ 805 $ 2,817 $ 640,696 $ 644,318 Commercial Real Estate 39 32 - 71 5,546 1,189,280 1,194,897 Agricultural 94 - - 94 897 33,633 34,624 Agricultural Real Estate - - - - 1,046 28,172 29,218 Business Banking 912 394 - 1,306 4,247 395,368 400,921 1,827 449 - 2,276 14,553 2,287,149 2,303,978 Consumer Loans Indirect 15,731 2,963 2,271 20,965 1,786 1,454,499 1,477,250 Home Equity 3,396 1,671 340 5,407 4,835 454,473 464,715 Direct 425 201 28 654 49 58,551 59,254 19,552 4,835 2,639 27,026 6,670 1,967,523 2,001,219 Residential Real Estate Mortgages 3,301 365 696 4,362 7,713 954,347 966,422 $ 24,680 $ 5,649 $ 3,335 $ 33,664 $ 28,936 $ 5,209,019 $ 5,271,619 ACQUIRED Commercial Loans Commercial $ - $ - $ - $ - $ - $ 68,991 $ 68,991 Commercial Real Estate - - - - 1,313 165,630 166,943 Business Banking 288 - - 288 307 49,200 49,795 288 - - 288 1,620 283,821 285,729 Consumer Loans Indirect 143 11 1 155 104 27,516 27,775 Home Equity 327 132 - 459 457 62,811 63,727 Direct 76 20 - 96 43 3,786 3,925 546 163 1 710 604 94,113 95,427 Residential Real Estate Mortgages 1,443 293 326 2,062 2,584 225,712 230,358 $ 2,277 $ 456 $ 327 $ 3,060 $ 4,808 $ 603,646 $ 611,514 Total Loans $ 26,957 $ 6,105 $ 3,662 $ 36,724 $ 33,744 $ 5,812,665 $ 5,883,133
Impaired Loans and Specific Reserve Allocations	The following table provides information on loans specifically evaluated for impairment as of September 30, 2016 and December 31, 2015: September 30, 2016 December 31, 2015 (In thousands) Recorded Investment Balance (Book) Unpaid Principal Balance (Legal) Related Allowance Recorded Investment Balance (Book) Unpaid Principal Balance (Legal) Related Allowance ORIGINATED With no related allowance recorded: Commercial Loans Commercial $ 2,174 $ 2,441 $ 2,244 $ 2,490 Commercial Real Estate 8,469 8,602 3,165 3,175 Agricultural 133 139 576 1,164 Agricultural Real Estate 1,457 1,583 618 744 Business Banking 665 732 983 1,033 Total Commercial Loans 12,898 13,497 7,586 8,606 Consumer Loans Indirect 7 17 12 21 Home Equity 8,495 9,463 7,681 8,574 Direct - - - - Total Consumer Loans 8,502 9,480 7,693 8,595 Residential Real Estate Mortgages 6,088 6,910 6,017 6,627 Total 27,488 29,887 21,296 23,828 With an allowance recorded: Commercial Loans Commercial 1,014 1,022 $ 555 457 457 $ 300 Commercial Real Estate 7,476 9,324 2,035 4,210 6,059 970 Agricultural 50 50 37 - - - Agricultural Real Estate 156 156 54 - - - Total Commercial Loans 8,696 10,552 2,681 4,667 6,516 1,270 ACQUIRED With an allowance recorded: Commercial Loans Commercial Real Estate 1,205 1,321 691 1,205 1,321 735 Total Commercial Loans 1,205 1,321 691 1,205 1,321 735 Total: $ 37,389 $ 41,760 $ 3,372 $ 27,168 $ 31,665 $ 2,005 The following tables summarize the average recorded investments on impaired loans specifically evaluated for impairment and the interest income recognized for the three and nine months ended September 30, 2016 and 2015: For the three months ended September 30, 2016 September 30, 2015 (In thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized ORIGINATED Commercial Loans Commercial $ 3,204 $ - $ 2,469 $ 42 Commercial Real Estate 15,799 48 8,560 42 Agricultural 85 - 19 - Agricultural Real Estate 935 11 626 11 Business Banking 743 - 1,003 3 Consumer Loans Indirect 8 - 20 - Home Equity 8,401 116 7,432 134 Direct - - - - Residential Real Estate Mortgage 6,141 76 5,564 37 Total Originated $ 35,316 $ 251 $ 25,693 $ 269 ACQUIRED Commercial Loans Commercial - - 2,531 - Commercial Real Estate 1,205 - 6,918 - Total Acquired $ 1,205 $ - $ 9,449 $ - Total Loans $ 36,521 $ 251 $ 35,142 $ 269 For the nine months ended September 30, 2016 September 30, 2015 (In thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized ORIGINATED Commercial Loans Commercial $ 3,041 $ - $ 2,026 $ 128 Commercial Real Estate 14,782 122 8,884 124 Agricultural 101 1 19 1 Agricultural Real Estate 742 33 630 34 Business Banking 882 7 952 9 Consumer Loans Indirect 9 - 14 - Home Equity 8,207 357 6,869 298 Direct - - 1 - Residential Real Estate Mortgage 6,147 211 4,857 100 Total Originated $ 33,911 $ 731 $ 24,252 $ 694 ACQUIRED Commercial Loans Commercial - - 2,658 - Commercial Real Estate 1,205 - 7,070 - Total Acquired $ 1,205 $ - $ 9,728 $ - Total Loans $ 35,116 $ 731 $ 33,980 $ 694
Financing Receivable Credit Quality by Loan Class	The following tables illustrate the Company’s credit quality by loan class as of September 30, 2016 and December 31, 2015: Credit Quality Indicators As of September 30, 2016 (In thousands) ORIGINATED Commercial Credit Exposure By Internally Assigned Grade: Commercial Commercial Real Estate Agricultural Agricultural Real Estate Total Pass $ 631,244 $ 1,262,056 $ 36,493 $ 29,254 $ 1,959,047 Special Mention 9,307 13,110 1 1,480 23,898 Substandard 39,202 39,813 806 1,662 81,483 Doubtful - - 5 - 5 Total $ 679,753 $ 1,314,979 $ 37,305 $ 32,396 $ 2,064,433 Business Banking Credit Exposure By Internally Assigned Grade: Business Banking Total Non-classified $ 449,947 $ 449,947 Classified 13,144 13,144 Total $ 463,091 $ 463,091 Consumer Credit Exposure By Payment Activity: Indirect Home Equity Direct Total Performing $ 1,542,058 $ 456,340 $ 63,306 $ 2,061,704 Nonperforming 4,242 3,466 120 7,828 Total $ 1,546,300 $ 459,806 $ 63,426 $ 2,069,532 Residential Mortgage Credit Exposure By Payment Activity: Residential Mortgage Total Performing $ 1,025,980 $ 1,025,980 Nonperforming 7,068 7,068 Total $ 1,033,048 $ 1,033,048 Credit Quality Indicators As of September 30, 2016 (In thousands) ACQUIRED Commercial Credit Exposure By Internally Assigned Grade: Commercial Commercial Real Estate Total Pass $ 57,040 $ 131,985 $ 189,025 Special Mention 171 1,248 1,419 Substandard 2,004 9,889 11,893 Total $ 59,215 $ 143,122 $ 202,337 Business Banking Credit Exposure By Internally Assigned Grade: Business Banking Total Non-classified $ 47,983 $ 47,983 Classified 3,299 3,299 Total $ 51,282 $ 51,282 Consumer Credit Exposure By Payment Activity: Indirect Home Equity Direct Total Performing $ 12,250 $ 53,251 $ 3,216 $ 68,717 Nonperforming 59 355 42 456 Total $ 12,309 $ 53,606 $ 3,258 $ 69,173 Residential Mortgage Credit Exposure By Payment Activity: Residential Mortgage Total Performing $ 204,276 $ 204,276 Nonperforming 3,013 3,013 Total $ 207,289 $ 207,289 Credit Quality Indicators As of December 31, 2015 (In thousands) ORIGINATED Commercial Credit Exposure By Internally Assigned Grade: Commercial Commercial Real Estate Agricultural Agricultural Real Estate Total Pass $ 604,405 $ 1,144,832 $ 33,565 $ 27,320 $ 1,810,122 Special Mention 9,726 21,587 311 429 32,053 Substandard 30,187 28,478 740 1,469 60,874 Doubtful - - 8 - 8 Total $ 644,318 $ 1,194,897 $ 34,624 $ 29,218 $ 1,903,057 Business Banking Credit Exposure By Internally Assigned Grade: Business Banking Total Non-classified $ 386,397 $ 386,397 Classified 14,524 14,524 Total $ 400,921 $ 400,921 Total Consumer Credit Exposure By Payment Activity: Indirect Home Equity Direct Total Performing $ 1,473,193 $ 459,540 $ 59,177 $ 1,991,910 Nonperforming 4,057 5,175 77 9,309 Total $ 1,477,250 $ 464,715 $ 59,254 $ 2,001,219 Residential Mortgage Credit Exposure By Payment Activity: Residential Mortgage Total Performing $ 958,013 $ 958,013 Nonperforming 8,409 8,409 Total $ 966,422 $ 966,422 Credit Quality Indicators As of December 31, 2015 (In thousands) ACQUIRED Commercial Credit Exposure By Internally Assigned Grade: Commercial Commercial Real Estate Total Pass $ 67,241 $ 154,871 $ 222,112 Special Mention 802 2,174 2,976 Substandard 948 9,898 10,846 Total $ 68,991 $ 166,943 $ 235,934 Business Banking Credit Exposure By Internally Assigned Grade: Business Banking Total Non-classified $ 46,032 $ 46,032 Classified 3,763 3,763 Total $ 49,795 $ 49,795 Consumer Credit Exposure By Payment Activity: Indirect Home Equity Direct Total Performing $ 27,670 $ 63,270 $ 3,882 $ 94,822 Nonperforming 105 457 43 605 Total $ 27,775 $ 63,727 $ 3,925 $ 95,427 Residential Mortgage Credit Exposure By Payment Activity: Residential Mortgage Total Performing $ 227,448 $ 227,448 Nonperforming 2,910 2,910 Total $ 230,358 $ 230,358
Troubled Debt Restructurings on Financing Receivables	The following tables illustrate the recorded investment and number of modifications for modified loans, including the recorded investment in the loans prior to a modification and the recorded investment in the loans after restructuring for the three and nine months ended September 30, 2016 and 2015 (dollars in thousands): Three months ended September 30, 2016 Number of contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer Home Equity 10 $ 580 $ 556 Total Consumer 10 580 556 Residential Real Estate 4 230 126 Total Troubled Debt Restructurings 14 $ 810 $ 682 Three months ended September 30, 2015 Number of contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer Home Equity 12 $ 863 $ 802 Total Consumer 12 863 802 Residential Real Estate 16 1,293 1,191 Total Troubled Debt Restructurings 28 $ 2,156 $ 1,993 Nine months ended September 30, 2016 Number of contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Consumer Home Equity 24 $ 1,690 $ 1,567 Total Consumer 24 1,690 1,567 Residential Real Estate 10 914 692 Total Troubled Debt Restructurings 34 $ 2,604 $ 2,259 Nine months ended September 30, 2015 Number of contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Commercial Commercial 1 $ 1,250 $ 186 Business Banking 1 220 173 Total Commercial 2 1,470 359 Consumer Home Equity 43 3,321 3,017 Total Consumer 43 3,321 3,017 Residential Real Estate 32 3,066 2,854 Total Troubled Debt Restructurings 77 $ 7,857 $ 6,230 The following table illustrates the recorded investment and number of modifications for TDRs within the three and nine months ended September 30, 2016 and 2015 where a concession has been made and subsequently defaulted during the period (dollars in thousands): Three months ended September 30, 2016 Three months ended September 30, 2015 (Dollars in thousands) Number of contracts Recorded Investment Number of contracts Recorded Investment Consumer Home Equity 2 $ 121 - $ - Residential Real Estate 1 121 2 174 Total Troubled Debt Restructurings 3 $ 242 2 $ 174 Nine months ended September 30, 2016 Nine months ended September 30, 2015 Number of contracts Recorded Investment Number of contracts Recorded Investment Consumer Home Equity 2 $ 121 4 $ 343 Residential Real Estate 2 296 2 174 Total Troubled Debt Restructurings 4 $ 417 6 $ 517

Defined Benefit Postretiremen28

Defined Benefit Postretirement Plans (Tables)	9 Months Ended
	Sep. 30, 2016
Defined Benefit Postretirement Plans [Abstract]
Components of Net Periodic Pension Benefits and Other Benefit Costs	The components of expense for Pension Benefits and Other Benefits are set forth below (in thousands): Pension Benefits Other Benefits Three months ended September 30, Three months ended September 30, Components of net periodic (benefit) cost: 2016 2015 2016 2015 Service cost $ 534 $ 669 $ 3 $ 4 Interest cost 1,050 996 89 101 Expected return on plan assets (1,857 ) (2,147 ) - - Net amortization 504 550 15 1 Total cost $ 231 $ 68 $ 107 $ 106 Pension Benefits Other Benefits Nine months ended September 30, Nine months ended September 30, Components of net periodic (benefit) cost: 2016 2015 2016 2015 Service cost $ 1,654 $ 1,979 $ 10 $ 12 Interest cost 3,151 2,992 277 283 Expected return on plan assets (5,527 ) (6,447 ) - - Net amortization 1,471 1,642 73 31 Total cost $ 749 $ 166 $ 360 $ 326

Earnings Per Share (Tables)

Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2016
Earnings Per Share [Abstract]
Reconciliation of Basic and Diluted Earnings per Share	The following is a reconciliation of basic and diluted earnings per share for the periods presented in the unaudited interim consolidated statements of income. Three months ended September 30, 2016 2015 (In thousands, except per share data) Basic EPS: Weighted average common shares outstanding 43,200 43,692 Net income $ 20,001 $ 19,851 Basic EPS $ 0.46 $ 0.45 Diluted EPS: Weighted average common shares outstanding 43,200 43,692 Dilutive effect of common stock options and restricted stock 362 570 Weighted average common shares and common share equivalents 43,562 44,262 Net income $ 20,001 $ 19,851 Diluted EPS $ 0.46 $ 0.45 Nine months ended September 30, 2016 2015 (In thousands, except per share data) Basic EPS: Weighted average common shares outstanding 43,214 43,949 Net income $ 58,801 $ 57,298 Basic EPS $ 1.36 $ 1.30 Diluted EPS: Weighted average common shares outstanding 43,214 43,949 Dilutive effect of common stock options and restricted stock 366 519 Weighted average common shares and common share equivalents 43,580 44,468 Net income $ 58,801 $ 57,298 Diluted EPS $ 1.35 $ 1.29

Reclassification Adjustments 30

Reclassification Adjustments Out of Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2016
Reclassification Adjustments Out of Other Comprehensive Income (Loss) [Abstract]
Reclassification out of Accumulated Other Comprehensive Income (Loss)	The following table summarizes the reclassification adjustments out of accumulated other comprehensive income (loss) (in thousands): Detail About Accumulated Other Comprehensive Income (Loss) Components Amount reclassified from accumulated other comprehensive income (loss) Affected line item in the consolidated statement of comprehensive income (loss) Three months ended September 30, 2016 September 30, 2015 Securities: Gains on available for sale securities $ - $ (3 ) Net securities gains Amortization of unrealized gains and losses related to securities transfer 267 328 Interest income Tax benefit (105 ) (127 ) Income tax expense Net of tax $ 162 $ 198 Pension and other benefits: Amortization of net losses $ 565 $ 566 Salaries and employee benefits Amortization of prior service costs (46 ) (15 ) Salaries and employee benefits Tax benefit (202 ) (214 ) Income tax expense Net of tax $ 317 $ 337 Total reclassifications during the period, net of tax $ 479 $ 535 Detail About Accumulated Other Comprehensive Income (Loss) Components Amount reclassified from accumulated other comprehensive income (loss) Affected line item in the consolidated statement of comprehensive income (loss) Nine months ended September 30, 2016 September 30, 2015 Securities: Gains on available for sale securities $ (30 ) (43 ) Net securities gains Amortization of unrealized gains and losses related to securities transfer 843 999 Interest income Tax benefit (317 ) (372 ) Income tax expense Net of tax $ 496 $ 584 Pension and other benefits: Amortization of net losses $ 1,595 $ 1,697 Salaries and employee benefits Amortization of prior service costs (51 ) (24 ) Salaries and employee benefits Tax benefit (601 ) (652 ) Income tax expense Net of tax $ 943 $ 1,021 Total reclassifications during the period, net of tax $ 1,439 $ 1,605

Fair Value Measurements and F31

Fair Value Measurements and Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2016
Fair Value Measurements and Fair Value of Financial Instruments [Abstract]
Fair Value of Financial Assets and Liabilities Measured on a Recurring Basis	The following tables set forth the Company’s financial assets and liabilities measured on a recurring basis that were accounted for at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement (in thousands): September 30, 2016: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Balance as of September 30, 2016 Assets: Securities Available for Sale: Federal Agency $ - $ 256,093 $ - $ 256,093 State & municipal - 38,654 - 38,654 Mortgage-backed - 372,364 - 372,364 Collateralized mortgage obligations - 601,470 - 601,470 Other securities 10,964 9,354 - 20,318 Total Securities Available for Sale $ 10,964 $ 1,277,935 $ - $ 1,288,899 Trading Securities 8,852 - - 8,852 Interest Rate Swaps - 18,977 - 18,977 Total $ 19,816 $ 1,296,912 $ - $ 1,316,728 Liabilities: Interest Rate Swaps $ - $ 18,258 $ - $ 18,258 Total $ - $ 18,258 $ - $ 18,258 December 31, 2015: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Balance as of December 31, 2015 Assets: Securities Available for Sale: Federal Agency $ - $ 311,272 $ - $ 311,272 State & municipal - 31,637 - 31,637 Mortgage-backed - 409,896 - 409,896 Collateralized mortgage obligations - 404,971 - 404,971 Other securities 7,526 9,242 - 16,768 Total Securities Available for Sale $ 7,526 $ 1,167,018 $ - $ 1,174,544 Trading Securities 8,377 - - 8,377 Interest Rate Swaps - 6,224 - 6,224 Total $ 15,903 $ 1,173,242 $ - $ 1,189,145 Liabilities: Interest Rate Swaps $ - $ 6,224 $ - $ 6,224 Total $ - $ 6,224 $ - $ 6,224
Fair Value of Financial Instruments By Balance Sheet Grouping	The following table sets forth information with regard to estimated fair values of financial instruments at September 30, 2016 and December 31, 2015. This table excludes financial instruments for which the carrying amount approximates fair value. Financial instruments for which the fair value approximates carrying value include cash and cash equivalents, securities available for sale, trading securities, accrued interest receivable, non-maturity deposits, short-term borrowings, accrued interest payable and interest rate swaps. September 30, 2016 December 31, 2015 (In thousands) Fair Value Hierarchy Carrying amount Estimated fair value Carrying amount Estimated fair value Financial assets Securities held to maturity 2 $ 485,877 $ 495,596 $ 471,031 $ 473,140 Net loans 3 6,094,517 6,251,740 5,820,115 5,958,427 Financial liabilities Time deposits 2 $ 881,087 $ 883,221 $ 908,827 $ 903,501 Long-term debt 2 114,144 115,840 130,447 131,268 Junior subordinated debt 2 101,196 101,141 101,196 97,346

Securities, Available for Sale

Securities, Available for Sale (Details) $ in Thousands	Sep. 30, 2016USD ($)Position	Dec. 31, 2015USD ($)Position
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 1,269,713	$ 1,169,337
Unrealized gains	20,616	9,878
Unrealized losses	(1,430)	(4,671)
Estimated fair value	1,288,899	1,174,544
Amortized costs of securities available for sale pledged to secure public deposits	1,600,000	1,400,000
Amortized costs of securities available for sale pledged as collateral for repurchase agreements	223,800	205,900
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	73,871	624,819
12 Months or Longer, Fair Value	6,230	29,822
Total, Fair Value	80,101	654,641
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	(295)	(4,283)
12 Months or Longer, Unrealized Losses	(1,135)	(388)
Total Unrealized Losses	$ (1,430)	$ (4,671)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	22	79
12 Months or Longer, Number of Positions | Position	7	12
Total, Number of Positions | Position	29	91
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Within one year	$ 39,403
From one to five years	245,571
From five to ten years	153,633
After ten years	814,362
Total, Amortized Cost	1,252,969
Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]
Within one year	39,495
From one to five years	247,544
From five to ten years	156,600
After ten years	824,942
Total, Fair Value	1,268,581
Federal Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	255,115	$ 312,580
Unrealized gains	1,006	203
Unrealized losses	(28)	(1,511)
Estimated fair value	256,093	311,272
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	9,955	186,685
12 Months or Longer, Fair Value	0	19,801
Total, Fair Value	9,955	206,486
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	(28)	(1,312)
12 Months or Longer, Unrealized Losses	0	(199)
Total Unrealized Losses	$ (28)	$ (1,511)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	1	15
12 Months or Longer, Number of Positions | Position	0	2
Total, Number of Positions | Position	1	17
State & Municipal [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 38,327	$ 31,208
Unrealized gains	357	446
Unrealized losses	(30)	(17)
Estimated fair value	38,654	31,637
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	7,659	4,599
12 Months or Longer, Fair Value	488	502
Total, Fair Value	8,147	5,101
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	(28)	(14)
12 Months or Longer, Unrealized Losses	(2)	(3)
Total Unrealized Losses	$ (30)	$ (17)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	12	7
12 Months or Longer, Number of Positions | Position	1	1
Total, Number of Positions | Position	13	8
Mortgage-Backed [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	$ 0	$ 177,270
12 Months or Longer, Fair Value	996	1,066
Total, Fair Value	996	178,336
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	(1,068)
12 Months or Longer, Unrealized Losses	(13)	(14)
Total Unrealized Losses	$ (13)	$ (1,082)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	0	33
12 Months or Longer, Number of Positions | Position	4	5
Total, Number of Positions | Position	4	38
Mortgage-backed Securities, Issued by US Government-Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 356,484	$ 398,086
Unrealized gains	8,969	4,141
Unrealized losses	0	(1,068)
Estimated fair value	365,453	401,159
Mortgage-backed Securities, Issued by US Government Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	6,418	8,191
Unrealized gains	506	560
Unrealized losses	(13)	(14)
Estimated fair value	6,911	8,737
Collateralized Mortgage Obligations [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	56,083	256,265
12 Months or Longer, Fair Value	0	5,218
Total, Fair Value	56,083	261,483
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	(213)	(1,889)
12 Months or Longer, Unrealized Losses	0	(54)
Total Unrealized Losses	$ (213)	$ (1,943)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	8	24
12 Months or Longer, Number of Positions | Position	0	2
Total, Number of Positions | Position	8	26
Collateralized Mortgage Obligations, Government-Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 536,694	$ 364,936
Unrealized gains	4,580	931
Unrealized losses	(189)	(1,828)
Estimated fair value	541,085	364,039
Collateralized Mortgage Obligations, U.S. Government Agency Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	59,931	40,699
Unrealized gains	478	348
Unrealized losses	(24)	(115)
Estimated fair value	60,385	40,932
Other Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	16,744	13,637
Unrealized gains	4,720	3,249
Unrealized losses	(1,146)	(118)
Estimated fair value	20,318	16,768
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	174	0
12 Months or Longer, Fair Value	4,746	3,235
Total, Fair Value	4,920	3,235
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	(26)	0
12 Months or Longer, Unrealized Losses	(1,120)	(118)
Total Unrealized Losses	$ (1,146)	$ (118)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	1	0
12 Months or Longer, Number of Positions | Position	2	2
Total, Number of Positions | Position	3	2

Securities, Held to Maturity (D

Securities, Held to Maturity (Details) $ in Thousands	Sep. 30, 2016USD ($)Position	Dec. 31, 2015USD ($)Position
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	$ 485,877	$ 471,031
Unrealized gains	10,162	3,794
Unrealized losses	(443)	(1,685)
Estimated fair value	495,596	473,140
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	5,501	117,129
12 Months or Longer, Fair Value	37,888	41,523
Total, Fair Value	43,389	158,652
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	(57)	(406)
12 Months or Longer, Unrealized Losses	(386)	(1,279)
Total, Unrealized Losses	$ (443)	$ (1,685)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	9	16
12 Months or Longer, Number of Positions | Position	4	4
Total, Number of Positions | Position	13	20
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Within one year	$ 34,787
From one to five years	25,392
From five to ten years	123,615
After ten years	302,083
Amortized cost	485,877	$ 471,031
Held-to-maturity Securities, Debt Maturities, Fair Value [Abstract]
Within one year	34,790
From one to five years	25,639
From five to ten years	126,865
After ten years	308,302
Total, Fair Value	495,596	473,140
Mortgage-Backed [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value		9,325
12 Months or Longer, Fair Value		0
Total, Fair Value		9,325
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses		(107)
12 Months or Longer, Unrealized Losses		0
Total, Unrealized Losses		$ (107)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position		1
12 Months or Longer, Number of Positions | Position		0
Total, Number of Positions | Position		1
Mortgage-backed Securities, Issued by US Government-Sponsored Enterprises [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	49,229	$ 9,432
Unrealized gains	617	0
Unrealized losses	0	(107)
Estimated fair value	49,846	9,325
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Amortized cost	49,229	9,432
Held-to-maturity Securities, Debt Maturities, Fair Value [Abstract]
Total, Fair Value	49,846	9,325
Mortgage-backed Securities, Issued by US Government Agency Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	549	611
Unrealized gains	101	95
Unrealized losses	0	0
Estimated fair value	650	706
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Amortized cost	549	611
Held-to-maturity Securities, Debt Maturities, Fair Value [Abstract]
Total, Fair Value	650	706
Collateralized Mortgage Obligations [Member]
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	0	105,604
12 Months or Longer, Fair Value	37,888	41,523
Total, Fair Value	37,888	147,127
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	(281)
12 Months or Longer, Unrealized Losses	(386)	(1,279)
Total, Unrealized Losses	$ (386)	$ (1,560)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	0	12
12 Months or Longer, Number of Positions | Position	4	4
Total, Number of Positions | Position	4	16
Collateralized Mortgage Obligations, Government-Sponsored Enterprises [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	$ 237,819	$ 272,550
Unrealized gains	5,314	1,411
Unrealized losses	(386)	(1,560)
Estimated fair value	242,747	272,401
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Amortized cost	237,819	272,550
Held-to-maturity Securities, Debt Maturities, Fair Value [Abstract]
Total, Fair Value	242,747	272,401
State & Municipal [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	198,280	188,438
Unrealized gains	4,130	2,288
Unrealized losses	(57)	(18)
Estimated fair value	202,353	190,708
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	5,501	2,200
12 Months or Longer, Fair Value	0	0
Total, Fair Value	5,501	2,200
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	(57)	(18)
12 Months or Longer, Unrealized Losses	0	0
Total, Unrealized Losses	$ (57)	$ (18)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions | Position	9	3
12 Months or Longer, Number of Positions | Position	0	0
Total, Number of Positions | Position	9	3
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Amortized cost	$ 198,280	$ 188,438
Held-to-maturity Securities, Debt Maturities, Fair Value [Abstract]
Total, Fair Value	$ 202,353	$ 190,708

Allowance for Loan Losses and34

Allowance for Loan Losses and Credit Quality of Loans (Details) $ in Millions	9 Months Ended
	Sep. 30, 2016USD ($)Segment
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan portfolio segments | Segment	3
Commercial Loans [Member] | Commercial Real Estate [Member] | Maximum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan amount, percentage of appraised value or purchase price of the property	80.00%
Commercial Loans [Member] | Agricultural Real Estate [Member] | Maximum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan amount, percentage of appraised value or purchase price of the property	75.00%
Commercial Loans [Member] | Business Banking [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Business banking loans, amount available | $	$ 0.8
Consumer Loans [Member] | Indirect [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Percentage of automobile financing to indirect relationships with dealers	75.00%
Consumer Loans [Member] | Indirect [Member] | Minimum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Principal repayment term of loan	3 years
Consumer Loans [Member] | Indirect [Member] | Maximum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Principal repayment term of loan	6 years
Consumer Loans [Member] | Home Equity [Member] | Maximum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan amount, percentage of appraised value or purchase price of the property	85.00%
Consumer Loans [Member] | Direct [Member] | Minimum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Principal repayment term of loan	1 year
Consumer Loans [Member] | Direct [Member] | Maximum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Principal repayment term of loan	10 years
Residential Real Estate Mortgages [Member] | Maximum [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Loan amount, percentage of appraised value or purchase price of the property	85.00%

Allowance for Loan Losses and35

Allowance for Loan Losses and Credit Quality of Loans, Allowance for Loan Losses by Portfolio Segments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	$ 64,568	$ 64,959	$ 63,018	$ 66,359
Charge-offs	(6,825)	(6,374)	(19,251)	(17,422)
Recoveries	1,537	1,308	4,635	3,416
Provision	6,388	4,966	17,266	12,506
Balance, end of period	65,668	64,859	65,668	64,859
Allowance for loan losses for acquired loan portfolio	700	1,900	700	1,900
Provision expense and net charge-offs related to acquired loans	100	500	400	1,200
Commercial Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	25,222	28,326	25,545	32,433
Charge-offs	(637)	(1,333)	(1,723)	(2,715)
Recoveries	512	258	1,616	772
Provision	1,514	(2,800)	1,173	(6,039)
Balance, end of period	26,611	24,451	26,611	24,451
Consumer Loans [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	31,471	28,314	29,253	26,720
Charge-offs	(6,046)	(4,530)	(16,409)	(13,183)
Recoveries	898	889	2,779	2,334
Provision	6,078	7,333	16,778	16,135
Balance, end of period	32,401	32,006	32,401	32,006
Residential Real Estate Mortgages [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	7,875	8,281	7,960	7,130
Charge-offs	(142)	(511)	(1,119)	(1,524)
Recoveries	127	161	240	310
Provision	(1,481)	51	(702)	2,066
Balance, end of period	6,379	7,982	6,379	7,982
Unallocated [Member]
Changes in allowance for loan losses by portfolio segment [Roll Forward]
Balance, beginning of period	0	38	260	76
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	277	382	17	344
Balance, end of period	$ 277	$ 420	$ 277	$ 420

Allowance for Loan Losses and36

Allowance for Loan Losses and Credit Quality of Loans, Allowance for Loan Losses and Recorded Investment in Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Jun. 30, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	$ 65,668	$ 64,568	$ 63,018	$ 64,859	$ 64,959	$ 66,359
Allowance for loans individually evaluated for impairment	3,372		2,005
Allowance for loans collectively evaluated for impairment	62,296		61,013
Ending balance of loans	6,160,185		5,883,133
Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	26,611	25,222	25,545	24,451	28,326	32,433
Allowance for loans individually evaluated for impairment	3,372		2,005
Allowance for loans collectively evaluated for impairment	23,239		23,540
Ending balance of loans	2,781,143		2,589,707
Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	32,401	31,471	29,253	32,006	28,314	26,720
Allowance for loans individually evaluated for impairment	0		0
Allowance for loans collectively evaluated for impairment	32,401		29,253
Ending balance of loans	2,138,705		2,096,646
Residential Real Estate Mortgages [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	6,379	7,875	7,960	7,982	8,281	7,130
Allowance for loans individually evaluated for impairment	0		0
Allowance for loans collectively evaluated for impairment	6,379		7,960
Ending balance of loans	1,240,337		1,196,780
Unallocated [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Allowance for loan losses	277	$ 0	260	$ 420	$ 38	$ 76
Allowance for loans individually evaluated for impairment	0		0
Allowance for loans collectively evaluated for impairment	277		260
Originated Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	5,630,104		5,271,619
Ending balance of loans individually evaluated for impairment	36,184		25,963
Ending balance of loans collectively evaluated for impairment	5,593,920		5,245,656
Originated Loans [Member] | Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	2,527,524		2,303,978
Ending balance of loans individually evaluated for impairment	21,594		12,253
Ending balance of loans collectively evaluated for impairment	2,505,930		2,291,725
Originated Loans [Member] | Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	2,069,532		2,001,219
Ending balance of loans individually evaluated for impairment	8,502		7,693
Ending balance of loans collectively evaluated for impairment	2,061,030		1,993,526
Originated Loans [Member] | Residential Real Estate Mortgages [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	1,033,048		966,422
Ending balance of loans individually evaluated for impairment	6,088		6,017
Ending balance of loans collectively evaluated for impairment	1,026,960		960,405
Acquired Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	530,081		611,514
Ending balance of loans individually evaluated for impairment	1,205		1,205
Ending balance of loans collectively evaluated for impairment	528,876		610,309
Acquired Loans [Member] | Commercial Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	253,619		285,729
Ending balance of loans individually evaluated for impairment	1,205		1,205
Ending balance of loans collectively evaluated for impairment	252,414		284,524
Acquired Loans [Member] | Consumer Loans [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	69,173		95,427
Ending balance of loans individually evaluated for impairment	0		0
Ending balance of loans collectively evaluated for impairment	69,173		95,427
Acquired Loans [Member] | Residential Real Estate Mortgages [Member]
Allowance for loan losses and recorded investment by portfolio segment [Abstract]
Ending balance of loans	207,289		230,358
Ending balance of loans individually evaluated for impairment	0		0
Ending balance of loans collectively evaluated for impairment	$ 207,289		$ 230,358

Allowance for Loan Losses and37

Allowance for Loan Losses and Credit Quality of Loans, Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	$ 35,086	$ 36,724
Non-Accrual	40,716	33,744
Current	6,084,383	5,812,665
Recorded Total Loans	6,160,185	5,883,133
31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	24,912	26,957
61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	5,730	6,105
Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	4,444	3,662
Commercial Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Recorded Total Loans	2,781,143	2,589,707
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Recorded Total Loans	2,138,705	2,096,646
Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Recorded Total Loans	1,240,337	1,196,780
Originated Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	31,712	33,664
Non-Accrual	35,234	28,936
Current	5,563,158	5,209,019
Recorded Total Loans	5,630,104	5,271,619
Originated Loans [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	22,889	24,680
Originated Loans [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	5,501	5,649
Originated Loans [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	3,322	3,335
Originated Loans [Member] | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	2,794	2,276
Non-Accrual	23,660	14,553
Current	2,501,070	2,287,149
Recorded Total Loans	2,527,524	2,303,978
Originated Loans [Member] | Commercial Loans [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	2,038	1,827
Originated Loans [Member] | Commercial Loans [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	756	449
Originated Loans [Member] | Commercial Loans [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Commercial Loans [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	422	805
Non-Accrual	3,188	2,817
Current	676,143	640,696
Recorded Total Loans	679,753	644,318
Originated Loans [Member] | Commercial Loans [Member] | Commercial [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	416	782
Originated Loans [Member] | Commercial Loans [Member] | Commercial [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	6	23
Originated Loans [Member] | Commercial Loans [Member] | Commercial [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	152	71
Non-Accrual	13,748	5,546
Current	1,301,079	1,189,280
Recorded Total Loans	1,314,979	1,194,897
Originated Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	39
Originated Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	152	32
Originated Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Commercial Loans [Member] | Agricultural [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	94
Non-Accrual	1,069	897
Current	36,236	33,633
Recorded Total Loans	37,305	34,624
Originated Loans [Member] | Commercial Loans [Member] | Agricultural [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	94
Originated Loans [Member] | Commercial Loans [Member] | Agricultural [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Commercial Loans [Member] | Agricultural [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Commercial Loans [Member] | Agricultural Real Estate [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Non-Accrual	1,686	1,046
Current	30,710	28,172
Recorded Total Loans	32,396	29,218
Originated Loans [Member] | Commercial Loans [Member] | Agricultural Real Estate [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Commercial Loans [Member] | Agricultural Real Estate [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Commercial Loans [Member] | Agricultural Real Estate [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Commercial Loans [Member] | Business Banking [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	2,220	1,306
Non-Accrual	3,969	4,247
Current	456,902	395,368
Recorded Total Loans	463,091	400,921
Originated Loans [Member] | Commercial Loans [Member] | Business Banking [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	1,622	912
Originated Loans [Member] | Commercial Loans [Member] | Business Banking [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	598	394
Originated Loans [Member] | Commercial Loans [Member] | Business Banking [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Originated Loans [Member] | Consumer Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	25,878	27,026
Non-Accrual	4,995	6,670
Current	2,038,659	1,967,523
Recorded Total Loans	2,069,532	2,001,219
Originated Loans [Member] | Consumer Loans [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	18,451	19,552
Originated Loans [Member] | Consumer Loans [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	4,594	4,835
Originated Loans [Member] | Consumer Loans [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	2,833	2,639
Originated Loans [Member] | Consumer Loans [Member] | Indirect [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	20,589	20,965
Non-Accrual	1,830	1,786
Current	1,523,881	1,454,499
Recorded Total Loans	1,546,300	1,477,250
Originated Loans [Member] | Consumer Loans [Member] | Indirect [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	14,618	15,731
Originated Loans [Member] | Consumer Loans [Member] | Indirect [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	3,559	2,963
Originated Loans [Member] | Consumer Loans [Member] | Indirect [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	2,412	2,271
Originated Loans [Member] | Consumer Loans [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	4,667	5,407
Non-Accrual	3,083	4,835
Current	452,056	454,473
Recorded Total Loans	459,806	464,715
Originated Loans [Member] | Consumer Loans [Member] | Home Equity [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	3,420	3,396
Originated Loans [Member] | Consumer Loans [Member] | Home Equity [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	864	1,671
Originated Loans [Member] | Consumer Loans [Member] | Home Equity [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	383	340
Originated Loans [Member] | Consumer Loans [Member] | Direct [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	622	654
Non-Accrual	82	49
Current	62,722	58,551
Recorded Total Loans	63,426	59,254
Originated Loans [Member] | Consumer Loans [Member] | Direct [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	413	425
Originated Loans [Member] | Consumer Loans [Member] | Direct [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	171	201
Originated Loans [Member] | Consumer Loans [Member] | Direct [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	38	28
Originated Loans [Member] | Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	3,040	4,362
Non-Accrual	6,579	7,713
Current	1,023,429	954,347
Recorded Total Loans	1,033,048	966,422
Originated Loans [Member] | Residential Real Estate Mortgages [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	2,400	3,301
Originated Loans [Member] | Residential Real Estate Mortgages [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	151	365
Originated Loans [Member] | Residential Real Estate Mortgages [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	489	696
Acquired Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	3,374	3,060
Non-Accrual	5,482	4,808
Current	521,225	603,646
Recorded Total Loans	530,081	611,514
Acquired Loans [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	2,023	2,277
Acquired Loans [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	229	456
Acquired Loans [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	1,122	327
Acquired Loans [Member] | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	1,785	288
Non-Accrual	2,301	1,620
Current	249,533	283,821
Recorded Total Loans	253,619	285,729
Acquired Loans [Member] | Commercial Loans [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	887	288
Acquired Loans [Member] | Commercial Loans [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	64	0
Acquired Loans [Member] | Commercial Loans [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	834	0
Acquired Loans [Member] | Commercial Loans [Member] | Commercial [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Non-Accrual	0	0
Current	59,215	68,991
Recorded Total Loans	59,215	68,991
Acquired Loans [Member] | Commercial Loans [Member] | Commercial [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Acquired Loans [Member] | Commercial Loans [Member] | Commercial [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Acquired Loans [Member] | Commercial Loans [Member] | Commercial [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Acquired Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	834	0
Non-Accrual	1,898	1,313
Current	140,390	165,630
Recorded Total Loans	143,122	166,943
Acquired Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Acquired Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Acquired Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	834	0
Acquired Loans [Member] | Commercial Loans [Member] | Business Banking [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	951	288
Non-Accrual	403	307
Current	49,928	49,200
Recorded Total Loans	51,282	49,795
Acquired Loans [Member] | Commercial Loans [Member] | Business Banking [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	887	288
Acquired Loans [Member] | Commercial Loans [Member] | Business Banking [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	64	0
Acquired Loans [Member] | Commercial Loans [Member] | Business Banking [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Acquired Loans [Member] | Consumer Loans [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	392	710
Non-Accrual	416	604
Current	68,365	94,113
Recorded Total Loans	69,173	95,427
Acquired Loans [Member] | Consumer Loans [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	314	546
Acquired Loans [Member] | Consumer Loans [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	38	163
Acquired Loans [Member] | Consumer Loans [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	40	1
Acquired Loans [Member] | Consumer Loans [Member] | Indirect [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	99	155
Non-Accrual	53	104
Current	12,157	27,516
Recorded Total Loans	12,309	27,775
Acquired Loans [Member] | Consumer Loans [Member] | Indirect [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	64	143
Acquired Loans [Member] | Consumer Loans [Member] | Indirect [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	29	11
Acquired Loans [Member] | Consumer Loans [Member] | Indirect [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	6	1
Acquired Loans [Member] | Consumer Loans [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	282	459
Non-Accrual	321	457
Current	53,003	62,811
Recorded Total Loans	53,606	63,727
Acquired Loans [Member] | Consumer Loans [Member] | Home Equity [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	239	327
Acquired Loans [Member] | Consumer Loans [Member] | Home Equity [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	9	132
Acquired Loans [Member] | Consumer Loans [Member] | Home Equity [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	34	0
Acquired Loans [Member] | Consumer Loans [Member] | Direct [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	11	96
Non-Accrual	42	43
Current	3,205	3,786
Recorded Total Loans	3,258	3,925
Acquired Loans [Member] | Consumer Loans [Member] | Direct [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	11	76
Acquired Loans [Member] | Consumer Loans [Member] | Direct [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	20
Acquired Loans [Member] | Consumer Loans [Member] | Direct [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	0	0
Acquired Loans [Member] | Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	1,197	2,062
Non-Accrual	2,765	2,584
Current	203,327	225,712
Recorded Total Loans	207,289	230,358
Acquired Loans [Member] | Residential Real Estate Mortgages [Member] | 31-60 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	822	1,443
Acquired Loans [Member] | Residential Real Estate Mortgages [Member] | 61-90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	127	293
Acquired Loans [Member] | Residential Real Estate Mortgages [Member] | Greater Than 90 Days Past Due Accruing [Member]
Financing Receivable, Recorded Investment, Aging [Abstract]
Total Past Due Accruing	$ 248	$ 326

Allowance for Loan Losses and38

Allowance for Loan Losses and Credit Quality of Loans, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Allowance for Loan Losses and Credit Quality of Loans [Abstract]
Threshold balance for classified loans to be evaluated individually for impairment	$ 800		$ 800
With an allowance recorded [Abstract]
Recorded investment balance (book)	37,389		37,389		$ 27,168
Unpaid principal balance (legal)	41,760		41,760		31,665
Related allowance	3,372		3,372		2,005
Average recorded investment	36,521	$ 35,142	35,116	$ 33,980
Interest income recognized	251	269	731	694
Originated Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	27,488		27,488		21,296
Unpaid principal balance (legal)	29,887		29,887		23,828
With an allowance recorded [Abstract]
Average recorded investment	35,316	25,693	33,911	24,252
Interest income recognized	251	269	731	694
Originated Loans [Member] | Commercial Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	12,898		12,898		7,586
Unpaid principal balance (legal)	13,497		13,497		8,606
With an allowance recorded [Abstract]
Recorded investment balance (book)	8,696		8,696		4,667
Unpaid principal balance (legal)	10,552		10,552		6,516
Related allowance	2,681		2,681		1,270
Originated Loans [Member] | Commercial Loans [Member] | Commercial [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	2,174		2,174		2,244
Unpaid principal balance (legal)	2,441		2,441		2,490
With an allowance recorded [Abstract]
Recorded investment balance (book)	1,014		1,014		457
Unpaid principal balance (legal)	1,022		1,022		457
Related allowance	555		555		300
Average recorded investment	3,204	2,469	3,041	2,026
Interest income recognized	0	42	0	128
Originated Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	8,469		8,469		3,165
Unpaid principal balance (legal)	8,602		8,602		3,175
With an allowance recorded [Abstract]
Recorded investment balance (book)	7,476		7,476		4,210
Unpaid principal balance (legal)	9,324		9,324		6,059
Related allowance	2,035		2,035		970
Average recorded investment	15,799	8,560	14,782	8,884
Interest income recognized	48	42	122	124
Originated Loans [Member] | Commercial Loans [Member] | Agricultural [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	133		133		576
Unpaid principal balance (legal)	139		139		1,164
With an allowance recorded [Abstract]
Recorded investment balance (book)	50		50		0
Unpaid principal balance (legal)	50		50		0
Related allowance	37		37		0
Average recorded investment	85	19	101	19
Interest income recognized	0	0	1	1
Originated Loans [Member] | Commercial Loans [Member] | Agricultural Real Estate [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	1,457		1,457		618
Unpaid principal balance (legal)	1,583		1,583		744
With an allowance recorded [Abstract]
Recorded investment balance (book)	156		156		0
Unpaid principal balance (legal)	156		156		0
Related allowance	54		54		0
Average recorded investment	935	626	742	630
Interest income recognized	11	11	33	34
Originated Loans [Member] | Commercial Loans [Member] | Business Banking [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	665		665		983
Unpaid principal balance (legal)	732		732		1,033
With an allowance recorded [Abstract]
Average recorded investment	743	1,003	882	952
Interest income recognized	0	3	7	9
Originated Loans [Member] | Consumer Loans [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	8,502		8,502		7,693
Unpaid principal balance (legal)	9,480		9,480		8,595
Originated Loans [Member] | Consumer Loans [Member] | Indirect [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	7		7		12
Unpaid principal balance (legal)	17		17		21
With an allowance recorded [Abstract]
Average recorded investment	8	20	9	14
Interest income recognized	0	0	0	0
Originated Loans [Member] | Consumer Loans [Member] | Home Equity [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	8,495		8,495		7,681
Unpaid principal balance (legal)	9,463		9,463		8,574
With an allowance recorded [Abstract]
Average recorded investment	8,401	7,432	8,207	6,869
Interest income recognized	116	134	357	298
Originated Loans [Member] | Consumer Loans [Member] | Direct [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	0		0		0
Unpaid principal balance (legal)	0		0		0
With an allowance recorded [Abstract]
Average recorded investment	0	0	0	1
Interest income recognized	0	0	0	0
Originated Loans [Member] | Residential Real Estate Mortgages [Member]
With no related allowance recorded [Abstract]
Recorded investment balance (book)	6,088		6,088		6,017
Unpaid principal balance (legal)	6,910		6,910		6,627
With an allowance recorded [Abstract]
Average recorded investment	6,141	5,564	6,147	4,857
Interest income recognized	76	37	211	100
Acquired Loans [Member]
With an allowance recorded [Abstract]
Average recorded investment	1,205	9,449	1,205	9,728
Interest income recognized	0	0	0	0
Acquired Loans [Member] | Commercial Loans [Member]
With an allowance recorded [Abstract]
Recorded investment balance (book)	1,205		1,205		1,205
Unpaid principal balance (legal)	1,321		1,321		1,321
Related allowance	691		691		735
Acquired Loans [Member] | Commercial Loans [Member] | Commercial [Member]
With an allowance recorded [Abstract]
Average recorded investment	0	2,531	0	2,658
Interest income recognized	0	0	0	0
Acquired Loans [Member] | Commercial Loans [Member] | Commercial Real Estate [Member]
With an allowance recorded [Abstract]
Recorded investment balance (book)	1,205		1,205		1,205
Unpaid principal balance (legal)	1,321		1,321		1,321
Related allowance	691		691		$ 735
Average recorded investment	1,205	6,918	1,205	7,070
Interest income recognized	$ 0	$ 0	$ 0	$ 0

Allowance for Loan Losses and39

Allowance for Loan Losses and Credit Quality of Loans, Credit Quality by Loan Class (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	$ 6,160,185	$ 5,883,133
Commercial Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,781,143	2,589,707
Consumer Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,138,705	2,096,646
Residential Mortgage Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,240,337	1,196,780
Originated Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	5,630,104	5,271,619
Originated Loans [Member] | Commercial Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,527,524	2,303,978
Originated Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,064,433	1,903,057
Originated Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,959,047	1,810,122
Originated Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	23,898	32,053
Originated Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	81,483	60,874
Originated Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	5	8
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	679,753	644,318
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	631,244	604,405
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	9,307	9,726
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	39,202	30,187
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	0	0
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,314,979	1,194,897
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,262,056	1,144,832
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	13,110	21,587
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	39,813	28,478
Originated Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	0	0
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	37,305	34,624
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	36,493	33,565
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1	311
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	806	740
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	5	8
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	32,396	29,218
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	29,254	27,320
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,480	429
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,662	1,469
Originated Loans [Member] | Commercial Credit Exposure [Member] | Agricultural Real Estate [Member] | Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	0	0
Originated Loans [Member] | Commercial Credit Exposure [Member] | Business Banking [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	463,091	400,921
Originated Loans [Member] | Business Banking Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	463,091	400,921
Originated Loans [Member] | Business Banking Credit Exposure [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	449,947	386,397
Originated Loans [Member] | Business Banking Credit Exposure [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	13,144	14,524
Originated Loans [Member] | Business Banking Credit Exposure [Member] | Business Banking [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	463,091	400,921
Originated Loans [Member] | Business Banking Credit Exposure [Member] | Business Banking [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	449,947	386,397
Originated Loans [Member] | Business Banking Credit Exposure [Member] | Business Banking [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	13,144	14,524
Originated Loans [Member] | Consumer Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,069,532	2,001,219
Originated Loans [Member] | Consumer Credit Exposure [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,061,704	1,991,910
Originated Loans [Member] | Consumer Credit Exposure [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	7,828	9,309
Originated Loans [Member] | Consumer Credit Exposure [Member] | Indirect [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,546,300	1,477,250
Originated Loans [Member] | Consumer Credit Exposure [Member] | Indirect [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,542,058	1,473,193
Originated Loans [Member] | Consumer Credit Exposure [Member] | Indirect [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	4,242	4,057
Originated Loans [Member] | Consumer Credit Exposure [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	459,806	464,715
Originated Loans [Member] | Consumer Credit Exposure [Member] | Home Equity [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	456,340	459,540
Originated Loans [Member] | Consumer Credit Exposure [Member] | Home Equity [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	3,466	5,175
Originated Loans [Member] | Consumer Credit Exposure [Member] | Direct [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	63,426	59,254
Originated Loans [Member] | Consumer Credit Exposure [Member] | Direct [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	63,306	59,177
Originated Loans [Member] | Consumer Credit Exposure [Member] | Direct [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	120	77
Originated Loans [Member] | Residential Mortgage Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,033,048	966,422
Originated Loans [Member] | Residential Mortgage Credit Exposure [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,025,980	958,013
Originated Loans [Member] | Residential Mortgage Credit Exposure [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	7,068	8,409
Originated Loans [Member] | Residential Mortgage Credit Exposure [Member] | Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,033,048	966,422
Originated Loans [Member] | Residential Mortgage Credit Exposure [Member] | Residential Mortgage [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,025,980	958,013
Originated Loans [Member] | Residential Mortgage Credit Exposure [Member] | Residential Mortgage [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	7,068	8,409
Acquired Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	530,081	611,514
Acquired Loans [Member] | Commercial Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	253,619	285,729
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	202,337	235,934
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	189,025	222,112
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,419	2,976
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Total Commercial and Agricultural [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	11,893	10,846
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	59,215	68,991
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	57,040	67,241
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	171	802
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Commercial [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,004	948
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	143,122	166,943
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	131,985	154,871
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,248	2,174
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Commercial Real Estate [Member] | Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	9,889	9,898
Acquired Loans [Member] | Commercial Credit Exposure [Member] | Business Banking [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	51,282	49,795
Acquired Loans [Member] | Business Banking Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	51,282	49,795
Acquired Loans [Member] | Business Banking Credit Exposure [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	47,983	46,032
Acquired Loans [Member] | Business Banking Credit Exposure [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	3,299	3,763
Acquired Loans [Member] | Business Banking Credit Exposure [Member] | Business Banking [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	51,282	49,795
Acquired Loans [Member] | Business Banking Credit Exposure [Member] | Business Banking [Member] | Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	47,983	46,032
Acquired Loans [Member] | Business Banking Credit Exposure [Member] | Business Banking [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	3,299	3,763
Acquired Loans [Member] | Consumer Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	69,173	95,427
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	68,717	94,822
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	456	605
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Indirect [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	12,309	27,775
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Indirect [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	12,250	27,670
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Indirect [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	59	105
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	53,606	63,727
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Home Equity [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	53,251	63,270
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Home Equity [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	355	457
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Direct [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	3,258	3,925
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Direct [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	3,216	3,882
Acquired Loans [Member] | Consumer Credit Exposure [Member] | Direct [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	42	43
Acquired Loans [Member] | Residential Mortgage Credit Exposure [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	207,289	230,358
Acquired Loans [Member] | Residential Mortgage Credit Exposure [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	204,276	227,448
Acquired Loans [Member] | Residential Mortgage Credit Exposure [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	3,013	2,910
Acquired Loans [Member] | Residential Mortgage Credit Exposure [Member] | Residential Mortgage [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	207,289	230,358
Acquired Loans [Member] | Residential Mortgage Credit Exposure [Member] | Residential Mortgage [Member] | Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	204,276	227,448
Acquired Loans [Member] | Residential Mortgage Credit Exposure [Member] | Residential Mortgage [Member] | Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	$ 3,013	$ 2,910

Allowance for Loan Losses and40

Allowance for Loan Losses and Credit Quality of Loans, Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016USD ($)Contract	Sep. 30, 2015USD ($)Contract	Sep. 30, 2016USD ($)Contract	Sep. 30, 2015USD ($)Contract
Financing Receivable, Modifications [Line Items]
Period of sustained repayment performance for nonperforming TDRs to be returned to performing status			6 months
Number of contracts | Contract	14	28	34	77
Pre-modification outstanding recorded investment	$ 810	$ 2,156	$ 2,604	$ 7,857
Post-modification outstanding recorded investment	$ 682	$ 1,993	$ 2,259	$ 6,230
Number of TDR loans with subsequent default | Contract	3	2	4	6
Outstanding recorded investment on TDR loans with subsequent default	$ 242	$ 174	$ 417	$ 517
Commercial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract				2
Pre-modification outstanding recorded investment				$ 1,470
Post-modification outstanding recorded investment				$ 359
Commercial Loans [Member] | Commercial [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract				1
Pre-modification outstanding recorded investment				$ 1,250
Post-modification outstanding recorded investment				$ 186
Commercial Loans [Member] | Business Banking [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract				1
Pre-modification outstanding recorded investment				$ 220
Post-modification outstanding recorded investment				$ 173
Consumer Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract	10	12	24	43
Pre-modification outstanding recorded investment	$ 580	$ 863	$ 1,690	$ 3,321
Post-modification outstanding recorded investment	$ 556	$ 802	$ 1,567	$ 3,017
Consumer Loans [Member] | Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract	10	12	24	43
Pre-modification outstanding recorded investment	$ 580	$ 863	$ 1,690	$ 3,321
Post-modification outstanding recorded investment	$ 556	$ 802	$ 1,567	$ 3,017
Number of TDR loans with subsequent default | Contract	2	0	2	4
Outstanding recorded investment on TDR loans with subsequent default	$ 121	$ 0	$ 121	$ 343
Residential Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts | Contract	4	16	10	32
Pre-modification outstanding recorded investment	$ 230	$ 1,293	$ 914	$ 3,066
Post-modification outstanding recorded investment	$ 126	$ 1,191	$ 692	$ 2,854
Number of TDR loans with subsequent default | Contract	1	2	2	2
Outstanding recorded investment on TDR loans with subsequent default	$ 121	$ 174	$ 296	$ 174

Defined Benefit Postretiremen41

Defined Benefit Postretirement Plans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Defined Benefit Postretirement Plans [Abstract]
Employer contribution to plan			$ 5,600
Pension Benefits [Member]
Components of net periodic (benefit) cost [Abstract]
Service cost	$ 534	$ 669	1,654	$ 1,979
Interest cost	1,050	996	3,151	2,992
Expected return on plan assets	(1,857)	(2,147)	(5,527)	(6,447)
Net amortization	504	550	1,471	1,642
Total cost (benefit)	231	68	749	166
Other Benefits [Member]
Components of net periodic (benefit) cost [Abstract]
Service cost	3	4	10	12
Interest cost	89	101	277	283
Expected return on plan assets	0	0	0	0
Net amortization	15	1	73	31
Total cost (benefit)	$ 107	$ 106	$ 360	$ 326

Earnings Per Share (Details)

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Basic EPS [Abstract]
Weighted average common shares outstanding (in shares)	43,200,000	43,692,000	43,214,000	43,949,000
Net income	$ 20,001	$ 19,851	$ 58,801	$ 57,298
Basic EPS (in dollars per share)	$ 0.46	$ 0.45	$ 1.36	$ 1.30
Diluted EPS [Abstract]
Weighted average common shares outstanding (in shares)	43,200,000	43,692,000	43,214,000	43,949,000
Dilutive effect of common stock options and restricted stock (in shares)	362,000	570,000	366,000	519,000
Weighted average common shares and common share equivalents (in shares)	43,562,000	44,262,000	43,580,000	44,468,000
Net income	$ 20,001	$ 19,851	$ 58,801	$ 57,298
Diluted EPS (in dollars per share)	$ 0.46	$ 0.45	$ 1.35	$ 1.29
Stock Options [Member]
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]
Stock options excluded from calculation of diluted EPS (in shares)	0	36,360	36,865	334,759

Reclassification Adjustments 43

Reclassification Adjustments Out of Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains	$ 0	$ 3	$ 30	$ 43
Interest income	66,662	64,245	197,016	189,096
Salaries and employee benefits	32,783	30,227	98,155	91,240
Income tax expense	(10,303)	(10,798)	(30,291)	(29,745)
Net income	20,001	19,851	58,801	57,298
Reclassification out of Accumulated Other Comprehensive (Loss) Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net income	479	535	1,439	1,605
Accumulated Net Unrealized Investment Gain (Loss) [Member] | Reclassification out of Accumulated Other Comprehensive (Loss) Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Net securities gains	0	(3)	(30)	(43)
Interest income	267	328	843	999
Income tax expense	(105)	(127)	(317)	(372)
Net income	162	198	496	584
Accumulated Defined Benefit Plans Adjustment [Member] | Reclassification out of Accumulated Other Comprehensive (Loss) Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Income tax expense	(202)	(214)	(601)	(652)
Net income	317	337	943	1,021
Amortization of Net Losses [Member] | Reclassification out of Accumulated Other Comprehensive (Loss) Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	565	566	1,595	1,697
Amortization of Prior Service Costs [Member] | Reclassification out of Accumulated Other Comprehensive (Loss) Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Salaries and employee benefits	$ (46)	$ (15)	$ (51)	$ (24)

Fair Value Measurements and F44

Fair Value Measurements and Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Fair Value, Assets, Level 1 to Level 2 Transfers, Amount	$ 0	$ 0
Fair Value, Assets, Level 2 to Level 1 Transfers, Amount	0	0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Transfers Into Level 3		0
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers out of Level 3		0
Securities Available for Sale [Abstract]
Total Securities Available for Sale	1,288,899	1,288,899		$ 1,174,544
Trading Securities	8,852	$ 8,852		8,377
Liabilities [Abstract]
Decrease in goodwill	(1,200)
Minimum [Member]
Liabilities [Abstract]
Liquidation expense ratio on impaired collateral		10.00%
Maximum [Member]
Liabilities [Abstract]
Liquidation expense ratio on impaired collateral			35.00%
Federal Agency [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	256,093	$ 256,093		311,272
State & Municipal [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	38,654	38,654		31,637
Other Securities [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	20,318	20,318		16,768
Recurring Basis [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	1,288,899	1,288,899		1,174,544
Trading Securities	8,852	8,852		8,377
Interest Rate Swaps	18,977	18,977		6,224
Total	1,316,728	1,316,728		1,189,145
Liabilities [Abstract]
Interest Rate Swaps	18,258	18,258		6,224
Total	18,258	18,258		6,224
Recurring Basis [Member] | Quoted Prices in Active Market for Identical Assets (Level I) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	10,964	10,964		7,526
Trading Securities	8,852	8,852		8,377
Interest Rate Swaps	0	0		0
Total	19,816	19,816		15,903
Liabilities [Abstract]
Interest Rate Swaps	0	0		0
Total	0	0		0
Recurring Basis [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	1,277,935	1,277,935		1,167,018
Trading Securities	0	0		0
Interest Rate Swaps	18,977	18,977		6,224
Total	1,296,912	1,296,912		1,173,242
Liabilities [Abstract]
Interest Rate Swaps	18,258	18,258		6,224
Total	18,258	18,258		6,224
Recurring Basis [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Trading Securities	0	0		0
Interest Rate Swaps	0	0		0
Total	0	0		0
Liabilities [Abstract]
Interest Rate Swaps	0	0		0
Total	0	0		0
Recurring Basis [Member] | Federal Agency [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	256,093	256,093		311,272
Recurring Basis [Member] | Federal Agency [Member] | Quoted Prices in Active Market for Identical Assets (Level I) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Recurring Basis [Member] | Federal Agency [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	256,093	256,093		311,272
Recurring Basis [Member] | Federal Agency [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Recurring Basis [Member] | State & Municipal [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	38,654	38,654		31,637
Recurring Basis [Member] | State & Municipal [Member] | Quoted Prices in Active Market for Identical Assets (Level I) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Recurring Basis [Member] | State & Municipal [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	38,654	38,654		31,637
Recurring Basis [Member] | State & Municipal [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Recurring Basis [Member] | Mortgage-Backed [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	372,364	372,364		409,896
Recurring Basis [Member] | Mortgage-Backed [Member] | Quoted Prices in Active Market for Identical Assets (Level I) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Recurring Basis [Member] | Mortgage-Backed [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	372,364	372,364		409,896
Recurring Basis [Member] | Mortgage-Backed [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Recurring Basis [Member] | Collateralized Mortgage Obligations [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	601,470	601,470		404,971
Recurring Basis [Member] | Collateralized Mortgage Obligations [Member] | Quoted Prices in Active Market for Identical Assets (Level I) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Recurring Basis [Member] | Collateralized Mortgage Obligations [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	601,470	601,470		404,971
Recurring Basis [Member] | Collateralized Mortgage Obligations [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		0
Recurring Basis [Member] | Other Securities [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	20,318	20,318		16,768
Recurring Basis [Member] | Other Securities [Member] | Quoted Prices in Active Market for Identical Assets (Level I) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	10,964	10,964		7,526
Recurring Basis [Member] | Other Securities [Member] | Significant Other Observable Inputs (Level 2) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	9,354	9,354		9,242
Recurring Basis [Member] | Other Securities [Member] | Significant Unobservable Inputs (Level 3) [Member]
Securities Available for Sale [Abstract]
Total Securities Available for Sale	0	0		$ 0
Nonrecurring Basis [Member]
Liabilities [Abstract]
Collateral dependent impaired financing receivable with specific reserves	9,900	9,900	$ 9,900
Allowance for loan and lease losses collateral dependent impaired loans with specific reserves	$ 3,200	$ 3,200	$ 3,400

Fair Value Measurements and F45

Fair Value Measurements and Fair Value of Financial Instruments, Estimated Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Financial assets [Abstract]
Securities held to maturity	$ 495,596	$ 473,140
Financial liabilities [Abstract]
Time deposits	881,087	908,827
Long-term debt	114,144	130,447
Junior subordinated debt	101,196	101,196
Carrying Amount [Member] | Significant Other Observable Inputs (Level 2) [Member]
Financial assets [Abstract]
Securities held to maturity	485,877	471,031
Financial liabilities [Abstract]
Time deposits	881,087	908,827
Long-term debt	114,144	130,447
Junior subordinated debt	101,196	101,196
Carrying Amount [Member] | Significant Unobservable Inputs (Level 3) [Member]
Financial assets [Abstract]
Net loans	6,094,517	5,820,115
Estimated Fair Value [Member] | Significant Other Observable Inputs (Level 2) [Member]
Financial assets [Abstract]
Securities held to maturity	495,596	473,140
Financial liabilities [Abstract]
Time deposits	883,221	903,501
Long-term debt	115,840	131,268
Junior subordinated debt	101,141	97,346
Estimated Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]
Financial assets [Abstract]
Net loans	6,251,740	5,958,427
Not Designated as Hedging Instrument [Member] | Interest Rate Swaps [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Derivative asset, notional amount	344,400	192,600
Fair value of derivative asset	18,300	6,200
Not Designated as Hedging Instrument [Member] | Interest Rate Swaps [Member] | Other Liabilities [Member]
Derivatives, Fair Value [Line Items]
Derivative liability, notional amount	344,400	192,600
Fair value of derivative liability	18,300	$ 6,200
Designated as Hedging Instrument [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member]
Derivatives, Fair Value [Line Items]
Notional amount	150,000
Designated as Hedging Instrument [Member] | Cash Flow Hedging [Member] | Interest Rate Swaps [Member] | Other Assets [Member]
Derivatives, Fair Value [Line Items]
Fair value of derivative asset	$ 700

Commitments and Contingencies (

Commitments and Contingencies (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2016	Dec. 31, 2015
Commitment to Extend Credits and Unused Lines of Credit [Member]
Guarantor Obligations [Line Items]
Commitments - maximum potential obligation	$ 1,400	$ 1,300
Standby Letters of Credit [Member]
Guarantor Obligations [Line Items]
Obligation instrument term	5 years
Commitments - maximum potential obligation	$ 38.8	31.5
Commercial Letters of Credit [Member]
Guarantor Obligations [Line Items]
Commitments - maximum potential obligation	$ 0	$ 11.3