Stock Yards Bancorp (SYBT) 10-Q 7 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	Apr. 25, 2014
Document and Entity Information	'	'
Entity Registrant Name	'STOCK YARDS BANCORP, INC.	'
Entity Central Index Key	'0000835324	'
Document Type	'10-Q	'
Document Period End Date	31-Mar-14	'
Amendment Flag	'false	'
Current Fiscal Year End Date	'--12-31	'
Entity Current Reporting Status	'Yes	'
Entity Filer Category	'Accelerated Filer	'
Entity Common Stock, Shares Outstanding	'	14,661,509
Document Fiscal Year Focus	'2014	'
Document Fiscal Period Focus	'Q1	'

Consolidated_Balance_Sheets

Consolidated Balance Sheets (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets	'	'
Cash and due from banks	$42,685	$34,519
Federal funds sold	40,269	36,251
Mortgage loans held for sale	3,473	1,757
Securities available for sale (amortized cost of $440,104 in 2014 and $493,066 in 2013)	440,184	490,031
Federal Home Loan Bank stock	6,334	6,334
Other securities	1,013	1,013
Loans	1,728,619	1,721,350
Less allowance for loan losses	28,591	28,522
Net loans	1,700,028	1,692,828
Premises and equipment, net	39,258	39,813
Bank owned life insurance	29,416	29,180
Accrued interest receivable	5,658	5,712
Other assets	45,920	51,824
Total assets	2,354,238	2,389,262
Deposits:	'	'
Non-interest bearing	436,843	423,350
Interest bearing	1,550,544	1,557,587
Total deposits	1,987,387	1,980,937
Securities sold under agreements to repurchase	52,453	62,615
Federal funds purchased	18,731	55,295
Accrued interest payable	125	128
Other liabilities	24,278	26,514
Federal Home Loan Bank advances	34,288	34,329
Total liabilities	2,117,262	2,159,818
Stockholders' equity:	'	'
Preferred stock, no par value. Authorized 1,000,000 shares; no shares issued or outstanding	'	'
Common stock, no par value. Authorized 20,000,000 shares; issued and outstanding 14,658,954 and 14,608,556 shares in 2014 and 2013, respectively	9,749	9,581
Additional paid-in capital	34,614	33,255
Retained earnings	192,783	188,825
Accumulated other comprehensive income	-170	-2,217
Total stockholders' equity	236,976	229,444
Total liabilities and stockholders' equity	$2,354,238	$2,389,262

Consolidated_Balance_Sheets_Pa

Consolidated Balance Sheets (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Share data, unless otherwise specified
Consolidated Balance Sheets	'	'
Securities available for sale, amortized cost (in dollars)	$440,104	$493,066
Preferred stock, par value (in dollars per share)	'	'
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value (in dollars per share)	$0	$0
Common stock, shares authorized	20,000,000	20,000,000
Common stock, shares issued	14,658,954	14,608,556
Common stock, shares outstanding	14,658,954	14,608,556

Consolidated_Statements_of_Inc

Consolidated Statements of Income (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Interest income:	'	'
Loans	$19,359	$19,049
Federal funds sold	79	80
Mortgage loans held for sale	31	64
Securities - taxable	1,837	1,370
Securities - tax-exempt	298	272
Total interest income	21,604	20,835
Interest expense:	'	'
Deposits	1,140	1,339
Fed funds purchased	6	8
Securities sold under agreements to repurchase	34	35
Federal Home Loan Bank advances	196	217
Subordinated debentures	'	773
Total interest expense	1,376	2,372
Net interest income	20,228	18,463
Provision for loan losses	350	2,325
Net interest income after provision for loan losses	19,878	16,138
Non-interest income:	'	'
Investment management and trust services	4,568	3,886
Service charges on deposit accounts	2,103	2,000
Bankcard transaction revenue	1,075	961
Mortgage banking revenue	588	1,180
Brokerage commissions and fees	505	615
Bank owned life insurance income	236	252
Other	400	334
Total non-interest income	9,475	9,228
Non-interest expenses:	'	'
Salaries and employee benefits	11,118	9,657
Net occupancy expense	1,556	1,231
Data processing expense	1,560	1,356
Furniture and equipment expense	268	291
FDIC insurance expense	342	350
Gain on other real estate owned	-343	-35
Other	3,043	2,729
Total non-interest expenses	17,544	15,579
Income before income taxes	11,809	9,787
Income tax expense	3,632	3,019
Net income	$8,177	$6,768
Net income per share:	'	'
Basic (in dollars per share)	$0.56	$0.49
Diluted (in dollars per share)	$0.56	$0.49
Average common shares:	'	'
Basic (in shares)	14,506	13,814
Diluted (in shares)	14,701	13,851

Consolidated_Statements_of_Com

Consolidated Statements of Comprehensive Income (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Consolidated Statements of Comprehensive Income	'	'
Net income	$8,177	$6,768
Unrealized gains (losses) on securities available for sale:	'	'
Unrealized gains (losses) arising during the period (net of tax of $1,091 and ($257), respectively)	2,026	-478
Unrealized gains on hedging instruments:	'	'
Unrealized gains arising during the period (net of tax of $12 and $0, respectively)	21	'
Other comprehensive income (loss)	2,047	-478
Comprehensive income	$10,224	$6,290

Consolidated_Statements_of_Com1

Consolidated Statements of Comprehensive Income (Parenthetical) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Consolidated Statements of Comprehensive Income	'	'
Unrealized gains (losses) on securities available for sale arising during the period, tax	$1,091	($257)
Unrealized gains on hedging instruments arising during the period, tax	$12	$0

Consolidated_Statements_of_Cas

Consolidated Statements of Cash Flows (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Operating activities:	'	'
Net income	$8,177	$6,768
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Provision for loan losses	350	2,325
Depreciation, amortization and accretion, net	1,688	1,465
Deferred income tax provision (benefit)	701	-1,152
Gain on sales of mortgage loans held for sale	-341	-867
Origination of mortgage loans held for sale	-17,617	-47,036
Proceeds from sale of mortgage loans held for sale	16,242	57,374
Bank owned life insurance income	-236	-252
Gain on the disposal of premises and equipment	-30	'
Gain on the sale of other real estate	-343	-35
Stock compensation expense	290	531
Excess tax benefits from share-based compensation arrangements	-149	-18
Decrease in accrued interest receivable and other assets	514	1,430
(Decrease) increase in accrued interest payable and other liabilities	-2,090	1,716
Net cash provided by operating activities	7,156	22,249
Investing activities:	'	'
Purchases of securities available for sale	-69,855	-106,748
Proceeds from maturities of securities available for sale	123,072	129,192
Net increase in loans	-8,687	-18,649
Purchases of premises and equipment	-509	-350
Proceeds from disposal of equipment	344	'
Proceeds from sale of other real estate	3,962	1,778
Net cash provided by investing activities	48,327	5,223
Financing activities:	'	'
Net increase (decrease) in deposits	6,450	-44,809
Net (decrease) increase in securities sold under agreements to repurchase and federal funds purchased	-46,726	12,103
Proceeds from Federal Home Loan Bank advances	10,000	'
Repayments of Federal Home Loan Bank advances	-10,041	-10
Issuance of common stock for options and dividend reinvestment plan	463	61
Excess tax benefits from share-based compensation arrangements	149	18
Common stock repurchases	-519	-286
Cash dividends paid	-3,075	-2,792
Net cash used in financing activities	-43,299	-35,715
Net increase (decrease) in cash and cash equivalents	12,184	-8,243
Cash and cash equivalents at beginning of period	70,770	67,703
Cash and cash equivalents at end of period	82,954	59,460
Supplemental cash flow information:	'	'
Income tax payments	'	400
Cash paid for interest	1,379	2,398
Supplemental non-cash activity:	'	'
Transfers from loans to other real estate owned	$1,137	$99

Consolidated_Statements_of_Cha

Consolidated Statements of Changes in Stockholders' Equity (USD $)	Total	Common stock	Additional paid-in capital	Retained earnings	Accumulated other comprehensive income
In Thousands, unless otherwise specified
Balance at Dec. 31, 2012	$205,075	$7,273	$17,731	$174,650	$5,421
Balance (in shares) at Dec. 31, 2012	'	13,915	'	'	'
Increase (Decrease) in Stockholders' Equity	'	'	'	'	'
Net income	6,768	'	'	6,768	'
Other comprehensive income (loss), net of tax	-478	'	'	'	-478
Stock compensation expense	531	'	531	'	'
Stock issued for exercise of stock options and dividend reinvestment plan, net of withholdings to satisfy employee tax obligations upon vesting of stock awards	79	10	69	'	'
Stock issued for exercise of stock options and dividend reinvestment plan, net of withholdings to satisfy employee tax obligations upon vesting of stock awards (in shares)	'	3	'	'	'
Stock issued for non-vested restricted stock	'	184	1,083	-1,267	'
Stock issued for non-vested restricted stock (in shares)	'	55	'	'	'
Cash dividends, $0.21 and $0.20 per share for the three months ended March 31, 2014 and 2013 respectively	-2,792	'	'	-2,792	'
Shares repurchased or cancelled	-286	-51	-296	61	'
Shares repurchased or cancelled (in shares)	'	-15	'	'	'
Balance at Mar. 31, 2013	208,897	7,416	19,118	177,420	4,943
Balance (in shares) at Mar. 31, 2013	'	13,958	'	'	'
Balance at Dec. 31, 2013	229,444	9,581	33,255	188,825	-2,217
Balance (in shares) at Dec. 31, 2013	'	14,609	'	'	'
Increase (Decrease) in Stockholders' Equity	'	'	'	'	'
Net income	8,177	'	'	8,177	'
Other comprehensive income (loss), net of tax	2,047	'	'	'	2,047
Stock compensation expense	290	'	290	'	'
Stock issued for exercise of stock options and dividend reinvestment plan, net of withholdings to satisfy employee tax obligations upon vesting of stock awards	653	75	601	-23	'
Stock issued for exercise of stock options and dividend reinvestment plan, net of withholdings to satisfy employee tax obligations upon vesting of stock awards (in shares)	'	22	'	'	'
Stock issued for non-vested restricted stock	'	160	987	-1,147	'
Stock issued for non-vested restricted stock (in shares)	'	48	'	'	'
Cash dividends, $0.21 and $0.20 per share for the three months ended March 31, 2014 and 2013 respectively	-3,075	'	'	-3,075	'
Shares repurchased or cancelled	-560	-67	-519	26	'
Shares repurchased or cancelled (in shares)	'	-20	'	'	'
Balance at Mar. 31, 2014	$236,976	$9,749	$34,614	$192,783	($170)
Balance (in shares) at Mar. 31, 2014	'	14,659	'	'	'

Consolidated_Statements_of_Cha1

Consolidated Statements of Changes in Stockholders' Equity (Parenthetical) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Consolidated Statements of Changes in Stockholders' Equity	'	'
Cash dividends (in dollars per share)	$0.21	$0.20

Summary_of_Significant_Account

Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2014
Summary of Significant Accounting Policies	'
Summary of Significant Accounting Policies	'
	(1)                     Summary of Significant Accounting Policies
	The accompanying unaudited consolidated financial statements have been prepared in accordance with the instructions to Form 10-Q and do not include all information and footnotes required by U.S. generally accepted accounting principles (US GAAP) for complete financial statements.  The consolidated unaudited financial statements of Stock Yards Bancorp, Inc. (“Bancorp”) and its subsidiary reflect all adjustments (consisting only of adjustments of a normal recurring nature) which are, in the opinion of management, necessary for a fair presentation of financial condition and results of operations for the interim periods.
	The unaudited consolidated financial statements include the accounts of Stock Yards Bancorp, Inc. and its wholly-owned subsidiary, Stock Yards Bank & Trust Company (“Bank”).  Significant intercompany transactions and accounts have been eliminated in consolidation. In preparing the unaudited consolidated financial statements, management is required to make estimates and assumptions that affect the reported amounts of certain assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of related revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses, valuation of other real estate owned, income tax assets, and estimated liabilities and expense.
	A description of other significant accounting policies is presented in the notes to the Consolidated Financial Statements for the year ended December 31, 2013 included in Stock Yards Bancorp, Inc.’s Annual Report on Form 10-K.  Certain reclassifications have been made in the prior year financial statements to conform to current year classifications.
	Interim results for the three month period ended March 31, 2014 are not necessarily indicative of the results for the entire year.
	Critical Accounting Policies
	Management has identified the accounting policy related to the allowance and provision for loan losses as critical to the understanding of Bancorp’s results of operations and discussed this conclusion with the Audit Committee of the Board of Directors.  Since the application of this policy requires significant management assumptions and estimates, it could result in materially different amounts to be reported if conditions or underlying circumstances were to change.  Assumptions include many factors such as changes in borrowers’ financial condition which can change quickly or historical loss ratios related to certain loan portfolios which may or may not be indicative of future losses.  To the extent that management’s assumptions prove incorrect, the results from operations could be materially affected by a higher or lower provision for loan losses.  The accounting policy related to the allowance for loan losses is applicable to the commercial banking segment of Bancorp.
	The allowance for loan losses is management’s estimate of probable losses in the loan portfolio. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance.
	Prior to the third quarter of 2013, management measured the appropriateness of the allowance for loan losses in its entirety using (a) quantitative (historical loss rates) and qualitative factors (management adjustment factors); (b) specific allocations on impaired loans, and (c) an unallocated amount.  The unallocated amount was evaluated on the loan portfolio in its entirety and was based on additional factors, such as national and local economic trends and conditions, changes in volume and severity of past due loans, volume of non-accrual loans, volume and severity of adversely classified or graded loans and other factors and trends that affect specific loans and categories of loans, such as a heightened risk in the commercial and industrial loan portfolios.  Bancorp utilized the sum of all allowance amounts derived as described above, including a reasonable unallocated allowance, as an indicator of the appropriate level of allowance for loan and lease losses.
	During the third quarter of 2013, Bancorp refined its allowance calculation whereby it allocated the portion of the allowance that was previously deemed to be unallocated allowance based on management’s determination of the appropriate qualitative adjustment. This refined allowance calculation includes specific allowance allocations to loan portfolio segments at March 31, 2014 for qualitative factors including, among other factors, (i) national and local economic and business conditions, (ii) the quality and experience of lending staff and management, (iii) changes in lending policies and procedures, (iv) changes in volume and severity of past due loans, classified loans and non-performing loans, (v) potential impact of any concentrations of credit, (vi) changes in the nature and terms of loans such as growth rates and utilization rates, (vii) changes in the value of underlying collateral for collateral-dependent loans, considering Bancorp’s disposition bias, and (viii) the effect of other external factors such as the legal and regulatory environment.  Bancorp may also consider other qualitative factors in future periods for additional allowance allocations, including, among other factors, changes in Bancorp’s loan review process.   Changes in the criteria used in this evaluation or the availability of new information could cause the allowance to be increased or decreased in future periods. In addition, bank regulatory agencies, as part of their examination process, may require adjustments to the allowance for loan and lease losses based on their judgments and estimates.
	Additionally, management has identified the accounting policy related to accounting for income taxes as critical to the understanding of Bancorp’s results of operations and discussed this conclusion with the Audit Committee of the Board of Directors.  The objectives of accounting for income taxes are to recognize the amount of taxes payable or refundable for the current year and deferred tax liabilities and assets for the future tax consequences of events that have been recognized in an entity’s financial statements or tax returns.  Judgment is required in assessing the future tax consequences of events that have been recognized in Bancorp’s financial statements or tax returns. Fluctuations in the actual outcome of these future tax consequences, including the effects of periodic IRS and state agency examinations, could materially impact Bancorp’s financial position and its results from operations.

Acquisition

Acquisition	3 Months Ended
	Mar. 31, 2014
Acquisition	'
Acquisition	'
	(2)                     Acquisition
	On April 30, 2013, Bancorp completed the acquisition of 100% of the outstanding shares of THE BANCorp, Inc. (“Oldham”), parent company of THE BANK — Oldham County, Inc.  As a result of the transaction, THE BANK — Oldham County merged into Stock Yards Bank & Trust Company.  Since the acquisition date, results of operations acquired in the Oldham transaction have been included in Bancorp’s financial results.
	The Oldham transaction has been accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration transferred were recorded at estimated fair value on the acquisition date. Assets acquired totaled approximately $146.0 million, including $39.8 million of loans and leases.  Liabilities assumed totaled $125.1 million, including $120.4 million of deposits.  Fair value adjustments resulted in net assets acquired in excess of the consideration paid.  Accordingly, a non-taxable gain of $449,000 was recognized.
	The following table summarizes the consideration paid and the amounts of assets acquired and liabilities assumed, adjusted for fair value at the acquisition date.
	(amounts in thousands)
	Purchase price:
	Cash	$	8,297
	Equity instruments (531,288 common shares of Bancorp)	12,198
	Total purchase price	20,495
	Identifiable assets:
	Cash and federal funds sold	17,260
	Investment securities	81,827
	Loans	39,755
	Premises and equipment	4,008
	Core deposit intangible	2,543
	Other assets	605
	Total identifiable assets	145,998
	Identifiable liabilities:
	Deposits	120,435
	Securities sold under agreement to repurchase	2,762
	Other liabilities	1,857
	Total identifiable liabilities	125,054
	Net gain resulting from acquisition	$	449
	Acquisition costs (included in other non-interest expenses in Bancorp’s income statement for the year ended December 31, 2013)	$	1,548
	Fair value of the common shares issued as part of the consideration paid was determined based on the closing market price of Bancorp’s common shares on the acquisition date.
	Bancorp recorded a core deposit intangible of $2,543,000 which is being amortized over a ten year period using an accelerated method which anticipates the life of the underlying deposits to which the intangible is attributable.  At March 31, 2014, the unamortized core deposit intangible was $2,004,000.
	In many cases, determining the fair value of acquired assets and assumed liabilities required Bancorp to estimate cash flows expected to result from those assets and liabilities and to discount those cash flows at appropriate rates of interest. The most significant of these determinations related to the valuation of acquired loans.
	Below is an analysis of the fair value of acquired loans as of March 31, 2014.
	(in thousands)	Acquired			Acquired non-			Total
		impaired			impaired			acquired
		loans			loans			loans
	Contractually required principal and interest at acquisition	$	3,285		$	37,763		$	41,048
	Contractual cash flows not expected to be collected	(372		)	(723		)	(1,095		)
	Expected cash flows at acquisition	2,913			37,040			39,953
	Interest component of expected cash flows	(174		)	(24		)	(198		)
	Basis in acquired loans at acquisition - estimated fair value	$	2,739		$	37,016		$	39,755
	Fair values of checking, savings and money market deposit accounts acquired from Oldham were assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand. Certificate of deposit accounts were valued at the present value of the certificates’ expected contractual payments discounted at market rates for similar certificates.
	In connection with the Oldham acquisition, Bancorp incurred expenses related to executing the transaction and integrating and conforming acquired operations with and into Bancorp. Those expenses consisted largely of conversion of systems and/or integration of operations, professional services, costs related to termination of existing contractual arrangements of Oldham to purchase various services; initial marketing and promotion expenses designed to introduce Bancorp to its new customers; and printing, postage, supplies, and other costs of completing the transaction.

Securities

Securities	3 Months Ended
	Mar. 31, 2014
Securities	'
Securities	'
	(3)                     Securities
	The amortized cost, unrealized gains and losses, and fair value of securities available for sale follow:
		Amortized		Unrealized
	(in thousands)	cost		Gains		Losses		Fair value
	March 31, 2014
	U.S. Treasury and other U.S. government obligations	$	40,000	$	—	$	—	$	40,000
	Government sponsored enterprise obligations	156,246		1,665		1,554		156,357
	Mortgage-backed securities - government agencies	175,020		1,523		3,263		173,280
	Obligations of states and political subdivisions	68,082		1,634		211		69,505
	Corporate equity securities	756		286		—		1,042
	Total securities available for sale	$	440,104	$	5,108	$	5,028	$	440,184
		Amortized		Unrealized
	(in thousands)	cost		Gains		Losses		Fair value
	December 31, 2013
	U.S. Treasury and other U.S. government obligations	$	110,000	$	—	$	—	$	110,000
	Government sponsored enterprise obligations	138,094		1,623		1,872		137,845
	Mortgage-backed securities - government agencies	176,524		1,391		5,222		172,693
	Obligations of states and political subdivisions	68,448		1,473		428		69,493
	Total securities available for sale	$	493,066	$	4,487	$	7,522	$	490,031
	There are no securities classified as held to maturity as of March 31, 2014 or December 31, 2013.
	Management has the intent and ability to hold all investment securities available for sale for the foreseeable future.  No securities were sold in the first quarter of 2013 or 2014.
	Corporate equity securities, included in the available for sale portfolio at March 31, 2014, consist of common stock in a public-traded business development company.
	In addition to the available for sale portfolio, investment securities held by Bancorp include certain securities which are not readily marketable, and are carried at cost. This category includes holdings of Federal Home Loan Bank of Cincinnati (FHLB) stock which are required for access to FHLB borrowing availability, and are classified as restricted securities.  Other securities consist of a Community Reinvestment Act (CRA) investment which matures in the second quarter of 2014, which is fully collateralized with a government agency security of similar duration, and holdings of stock in a correspondent bank Bancorp utilized for various services.  Bancorp reviewed the investment in FHLB stock as of March 31, 2014, considering the FHLB equity position, its continuance of dividend payments, liquidity position, and positive year-to-date net income.  Based on this review, Bancorp believes its investment in FHLB stock is not impaired.
	A summary of the available for sale investment securities by maturity groupings as of March 31, 2014 is shown below.
	(in thousands)
	Securities available for sale	Amortized cost		Fair value
	Due within 1 year	$	67,648	$	67,833
	Due after 1 but within 5 years	127,055		128,435
	Due after 5 but within 10 years	32,945		33,531
	Due after 10 years	36,680		36,063
	Mortgage-backed securities	175,020		173,280
	Corporate equity securities	756		1,042
	Total securities available for sale	$	440,104	$	440,184
	Actual maturities may differ from contractual maturities because some issuers have the right to call or prepay obligations.  In addition to equity securities, the investment portfolio includes agency mortgage-backed securities, which are guaranteed by agencies such as the FHLMC, FNMA, and GNMA.  These securities differ from traditional debt securities primarily in that they may have uncertain principal payment dates and are priced based on estimated prepayment rates on the underlying collateral. Bancorp does not have exposure to subprime originated mortgage-backed or collateralized debt obligation instruments.
	Securities with a carrying value of approximately $201.5 million at March 31, 2014 and $243.5 million at December 31, 2013 were pledged to secure accounts of commercial depositors in cash management accounts, public deposits, and cash balances for certain investment management and trust accounts.
	Securities with unrealized losses at March 31, 2014 and December 31, 2013, not recognized in income are as follows:
		Less than 12 months				12 months or more				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	(in thousands)	value		losses		value		losses		value		losses
	March 31, 2014
	Government sponsored enterprise obligations	$	77,580	$	1,161	$	4,402	$	393	$	81,982	$	1,554
	Mortgage-backed securities - government agencies	85,985		2,089		17,691		1,174		103,676		3,263
	Obligations of states and political subdivisions	15,434		186		2,093		25		17,527		211
	Total temporarily impaired securities	$	178,999	$	3,436	$	24,186	$	1,592	$	203,185	$	5,028
	December 31, 2013
	Government sponsored enterprise obligations	$	76,755	$	1,429	$	4,353	$	443	$	81,108	$	1,872
	Mortgage-backed securities - government agencies	112,652		4,400		8,752		822		121,404		5,222
	Obligations of states and political subdivisions	22,092		405		1,211		23		23,303		428
	Total temporarily impaired securities	$	211,499	$	6,234	$	14,316	$	1,288	$	225,815	$	7,522
	The applicable dates for determining when securities are in an unrealized loss position are March 31, 2014 and December 31, 2013. As such, it is possible that a security had a market value less than its amortized cost on other days during the past twelve months, but is not in the “Investments with an Unrealized Loss of less than 12 months” category above.
	Unrealized losses on Bancorp’s investment securities portfolio have not been recognized in income because the securities are of high credit quality, and the decline in fair values is largely due to changes in the prevailing interest rate environment since the purchase date.  Fair value is expected to recover as securities reach their maturity date and/or the interest rate environment returns to conditions similar to when these securities were purchased. These investments consist of 123 and 155 separate investment positions as of March 31, 2014 and December 31, 2013, respectively.  Because management does not intend to sell the investments, and it is not likely that Bancorp will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, Bancorp does not consider these securities to be other-than-temporarily impaired at March 31, 2014.

Loans

Loans	3 Months Ended
	Mar. 31, 2014
Loans	'
Loans	'
	(4)                     Loans
	The composition of loans by primary loan portfolio segment follows:
	(in thousands)	March 31, 2014			December 31, 2013
	Commercial and industrial	$	511,247		$	510,739
	Construction and development, excluding undeveloped land	88,108			99,719
	Undeveloped land	29,209			29,871
	Real estate mortgage	1,066,595			1,046,823
	Consumer	33,460			34,198
	Total loans	$	1,728,619		$	1,721,350
	The following table presents the balance in the recorded investment in loans and allowance for loan losses by portfolio segment and based on impairment evaluation method as of March 31, 2014 and December 31, 2013.
		Type of loan
					Construction
					and development
		Commercial			excluding
		and			undeveloped			Undeveloped			Real estate
	(in thousands)	industrial			land			land			mortgage			Consumer			Total
	March 31, 2014
	Loans	$	511,247		$	88,108		$	29,209		$	1,066,595		$	33,460		$	1,728,619
	Loans individually evaluated for impairment	$	7,653		$	26		$	6,988		$	5,273		$	82		$	20,022
	Loans collectively evaluated for impairment	$	502,967		$	87,021		$	22,221		$	1,060,820		$	33,360		$	1,706,389
	Loans acquired with deteriorated credit quality	$	627		$	1,061		$	—		$	502		$	18		$	2,208
					Construction
					and development
		Commercial			excluding
		and			undeveloped			Undeveloped			Real estate
		industrial			land			land			mortgage			Consumer			Unallocated			Total
	Allowance for loan losses
	At December 31, 2013	$	7,644		$	2,555		$	5,376		$	12,604		$	343		$	—		$	28,522
	Provision	(145		)	(628		)	925			185			13			—			350
	Charge-offs	—			—			(30		)	(294		)	(195		)	—			(519		)
	Recoveries	9			—			31			20			178			—			238
	At March 31, 2014	$	7,508		$	1,927		$	6,302		$	12,515		$	339		$	—		$	28,591
	Allowance for loans individually evaluated for impairment	$	746		$	—		$	—		$	439		$	82					$	1,267
	Allowance for loans collectively evaluated for impairment	$	6,762		$	1,927		$	6,302		$	12,076		$	257		$	—		$	27,324
	Balance: loans acquired with deteriorated credit quality	$	—		$	—		$	—		$	—		$	—					$	—
		Type of loan
					Construction
					and development
		Commercial			excluding
		and			undeveloped			Undeveloped			Real estate
	(in thousands)	industrial			land			land			mortgage			Consumer			Total
	December 31, 2013
	Loans	$	510,739		$	99,719		$	29,871		$	1,046,823		$	34,198		$	1,721,350
	Loans individually evaluated for impairment	$	7,579		$	26		$	7,340		$	7,478		$	84		$	22,507
	Loans collectively evaluated for impairment	$	502,535		$	98,428		$	22,531		$	1,038,824		$	34,095		$	1,696,413
	Loans acquired with deteriorated credit quality	$	625		$	1,265		$	—		$	521		$	19		$	2,430
					Construction
					and development
		Commercial			excluding
		and			undeveloped			Undeveloped			Real estate
		industrial			land			land			mortgage			Consumer			Unallocated			Total
	Allowance for loan losses
	At December 31, 2012	$	5,949		$	4,536		$	—		$	14,288		$	362		$	6,746		$	31,881
	Provision	1,583			(2,119		)	13,256			490			86			(6,746		)	6,550
	Charge-offs	(457		)	(25		)	(7,961		)	(2,758		)	(763		)	—			(11,964		)
	Recoveries	569			163			81			584			658			—			2,055
	At December 31, 2013	$	7,644		$	2,555		$	5,376		$	12,604		$	343		$	—		$	28,522
	Allowance for loans individually evaluated for impairment	$	762		$	—		$	—		$	606		$	84					$	1,452
	Allowance for loans collectively evaluated for impairment	$	6,882		$	2,555		$	5,376		$	11,998		$	259		$	—		$	27,070
	Management uses the following portfolio segments of loans when assessing and monitoring the risk and performance of the loan portfolio:
	·                  Commercial and industrial
	·                  Construction and development, excluding undeveloped land
	·                  Undeveloped land
·                  Real estate mortgage
·                  Consumer
Bancorp has loans that were acquired in the Oldham acquisition, for which there was, at acquisition, evidence of deterioration of credit quality since origination and for which it was probable, at acquisition, that all contractually required payments would not be collected.  The carrying amount of those loans is included in the balance sheet amounts of loans at March 31, 2014 and December 31, 2013.
The changes in accretable discount related to credit impaired acquired loans are as follows:
(in thousands)
Balance at December 31, 2012	$	—
Additions due to Oldham acquisition	174
Accretion	(37		)
Reclassifications from (to) non-accretable difference	—
Disposals	—
Balance at December 31, 2013	137
Accretion	(28		)
Reclassifications from (to) non-accretable difference	—
Disposals	—
Balance at March 31, 2014	$	109
The following table presents loans individually evaluated for impairment as of March 31, 2014 and December 31, 2013.
				Unpaid						Average
	Recorded			principal			Related			recorded
(in thousands)	investment			balance			allowance			investment
March 31, 2014
Loans with no related allowance recorded
Commercial and industrial	$	1,244		$	1,387		$	—		$	1,037
Construction and development, excluding undeveloped land	26			151			—			26
Undeveloped land	6,988			9,675			—			7,164
Real estate mortgage	3,396			4,086			—			3,564
Consumer	—			—			—			—
Subtotal	11,654			15,299			—			11,791
Loans with an allowance recorded
Commercial and industrial	$	6,409		$	6,409		$	746		$	6,579
Construction and development, excluding undeveloped land	—			—			—			—
Undeveloped land	—			—			—			—
Real estate mortgage	1,877			1,877			439			2,812
Consumer	82			82			82			83
Subtotal	8,368			8,368			1,267			9,474
Total
Commercial and industrial	$	7,653		$	7,796		$	746		$	7,616
Construction and development, excluding undeveloped land	26			151			—			26
Undeveloped land	6,988			9,675			—			7,164
Real estate mortgage	5,273			5,963			439			6,376
Consumer	82			82			82			83
Total	$	20,022		$	23,667		$	1,267		$	21,265
				Unpaid						Average
	Recorded			principal			Related			recorded
(in thousands)	investment			balance			allowance			investment
December 31, 2013
Loans with no related allowance recorded
Commercial and industrial	$	830		$	974		$	—		$	4,499
Construction and development, excluding undeveloped land	26			151			—			54
Undeveloped land	7,340			9,932			—			3,272
Real estate mortgage	3,731			5,069			—			5,559
Consumer	—			—			—			3
Subtotal	11,927			16,126			—			13,387
Loans with an allowance recorded
Commercial and industrial	$	6,749		$	6,749		$	762		$	3,806
Construction and development, excluding undeveloped land	—			—			—			259
Undeveloped land	—			—			—			7,152
Real estate mortgage	3,747			4,065			606			3,705
Consumer	84			84			84			34
Subtotal	10,580			10,898			1,452			14,956
Total
Commercial and industrial	$	7,579		$	7,723		$	762		$	8,305
Construction and development, excluding undeveloped land	26			151			—			313
Undeveloped land	7,340			9,932			—			10,424
Real estate mortgage	7,478			9,134			606			9,264
Consumer	84			84			84			37
Total	$	22,507		$	27,024		$	1,452		$	28,343
Differences between recorded investment amounts and unpaid principal balance amounts are due to partial charge-offs which have occurred over the life of loans and fair value adjustments recorded for loans acquired.
Impaired loans include non-accrual loans and loans accounted for as troubled debt restructurings (TDR), which continue to accrue interest. Non-performing loans include the balance of impaired loans plus any loans over 90 days past due and still accruing interest.  Loans past due more than 90 days or more and still accruing interest amounted to $439,000 at March 31, 2014 and $437,000 at December 31, 2013.
The following table presents the recorded investment in non-accrual loans as of March 31, 2014 and December 31, 2013.
(in thousands)	March 31, 2014			December 31, 2013
Commercial and industrial	$	884		$	846
Construction and development, excluding undeveloped land	26			26
Undeveloped land	6,988			7,340
Real estate mortgage	4,843			7,046
Consumer	—			—
Total	$	12,741		$	15,258
At March 31, 2014 and December 31, 2013, Bancorp had loans classified as TDR of $7.3 million and $7.2 million, respectively.  Bancorp did not modify and classify any loans as TDR during the three months ended March 31, 2014 or March 31, 2013.
The following table presents the recorded investment in loans accounted for as TDR that were restructured and experienced a payment default within the previous 12 months as of March 31, 2014.
	Number of
(dollars in thousands)	Contracts		Recorded Investment
March 31, 2014
Commercial & industrial	1		$	790
Total	1		$	790
Bancorp did not have any loans that were restructured and experience a payment default within the previous 12 months as of March 31, 2013.
Loans accounted for as TDR include modifications from original terms due to bankruptcy proceedings, modifications of amortization periods or temporary suspension of principal payments due to customer financial difficulties.  Loans accounted for as TDR, which have not defaulted, are individually evaluated for impairment and, at March 31, 2014, had a total allowance allocation of $937,000, compared to $942,000 at December 31, 2013.
At March 31, 2014 and December 31, 2013, Bancorp had outstanding commitments to lend additional funds totaling $111,000 and $262,000, respectively, for loans modified as TDR.
The following table presents the aging of loans as of March 31, 2014 and December 31, 2013.
							Greater
							than												Recorded
							90 days												investment
							past due												> 90 days
	30-59 days			60-89 days			(includes			Total						Total			and
(in thousands)	past due			past due			non-accrual)			past due			Current			loans			accruing
March 31, 2014
Commercial and industrial	$	415		$	379		$	917		$	1,711		$	509,536		$	511,247		$	33
Construction and development, excluding undeveloped land	244			—			26			270			87,838			88,108			—
Undeveloped land	—			—			6,988			6,988			22,221			29,209			—
Real estate mortgage	8,077			2,199			5,249			15,525			1,051,070			1,066,595			406
Consumer	105			42			—			147			33,313			33,460			—
Total	$	8,841		$	2,620		$	13,180		$	24,641		$	1,703,978		$	1,728,619		$	439
December 31, 2013
Commercial and industrial	$	808		$	201		$	1,268		$	2,277		$	508,462		$	510,739		$	421
Construction and development, excluding undeveloped land	429			—			26			455			99,264			99,719			—
Undeveloped land	—			—			7,340			7,340			22,531			29,871			—
Real estate mortgage	4,529			1,180			7,062			12,771			1,034,052			1,046,823			16
Consumer	110			—			—			110			34,088			34,198			—
Total	$	5,876		$	1,381		$	15,696		$	22,953		$	1,698,397		$	1,721,350		$	437
Bancorp categorizes loans into credit risk categories based on relevant information about the ability of borrowers to service their debt such as:  current financial information, historical payment experience, credit documentation, public information and current economic trends.  Pass-rated loans included all risk-rated loans other than those classified as special mention, substandard, and doubtful, which are defined below:
·                  Special Mention:  Loans classified as special mention have a potential weakness that deserves management’s close attention.  These potential weaknesses may result in deterioration of repayment prospects for the loan or of Bancorp’s credit position at some future date.
·                  Substandard:  Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of collateral pledged, if any.  Loans so classified have a well-defined weakness or weaknesses that jeopardize repayment of the debt.  They are characterized by the distinct possibility that Bancorp will sustain some loss if the deficiencies are not corrected.
·                  Substandard non-performing:  Loans classified as substandard-non-performing have all the characteristics of substandard loans and have been placed on non-accrual status or have been accounted for as troubled debt restructurings.
·                  Doubtful:  Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or repayment in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable.
As of March 31, 2014 and December 31, 2013, the risk categories of loans were as follows:
Credit risk profile by internally assigned grade
(in thousands)	Commercial			Construction			Undeveloped			Real estate			Consumer			Total
	and industrial			and			land			mortgage
				development,
				excluding
				undeveloped
				land
March 31, 2014
Grade
Pass	$	492,970		$	77,048		$	21,517		$	1,040,582		$	33,296		$	1,665,413
Special mention	7,104			5,944			540			15,099			82			28,769
Substandard	3,025			4,682			164			4,745			—			12,616
Substandard non- performing	8,148			434			6,988			6,169			82			21,821
Doubtful	—			—			—			—			—			—
Total	$	511,247		$	88,108		$	29,209		$	1,066,595		$	33,460		$	1,728,619
December 31, 2013
Grade
Pass	$	486,140		$	87,896		$	22,366		$	1,014,216		$	34,028		$	1,644,646
Special mention	12,983			7,091			—			17,916			86			38,076
Substandard	3,616			4,706			165			7,197			—			15,684
Substandard non- performing	8,000			26			7,340			7,494			84			22,944
Doubtful	—			—			—			—			—			—
Total	$	510,739		$	99,719		$	29,871		$	1,046,823		$	34,198		$	1,721,350

Federal_Home_Loan_Bank_Advance

Federal Home Loan Bank Advances	3 Months Ended
	Mar. 31, 2014
Federal Home Loan Bank Advances	'
Federal Home Loan Bank Advances	'
	(5)                     Federal Home Loan Bank Advances
	Bancorp had outstanding borrowings of $34.3 million at March 31, 2014, via seven separate advances.  For two advances totaling $30 million, both of which are non-callable, interest payments are due monthly, with principal due at maturity.  For the remaining advances totaling $4.3 million, principal and interest payments are due monthly based on an amortization schedule.
	The following is a summary of the contractual maturities and average effective rates of outstanding advances:
		March 31, 2014				December 31, 2013
	(In thousands)	Advance		Rate		Advance		Rate
	2014	$	10,000	0.21	%	$	10,000	0.21	%
	2015	20,000		3.34	%	20,000		3.34	%
	2020	1,919		2.23	%	1,931		2.23	%
	2021	548		2.12	%	564		2.12	%
	2024	405		2.4	%	408		2.4	%
	2028	1,416		1.47	%	1,426		1.46	%
		$	34,288	2.26	%	$	34,329	2.26	%
	Advances from the FHLB are collateralized by certain commercial and residential real estate mortgage loans under a blanket mortgage collateral agreement and FHLB stock. Bancorp views the borrowings as an effective alternative to higher cost time deposits to fund loan growth.  At March 31, 2014, the amount of available credit from the FHLB totaled $370.4 million.

Derivative_Financial_Instrumen

Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2014
Derivative Financial Instruments	'
Derivative Financial Instruments	'
	(6)                     Derivative Financial Instruments
	Occasionally, Bancorp enters into free-standing interest rate swaps for the benefits of its commercial customers who desire to hedge their exposure to changing interest rates.  Bancorp hedges its interest rate exposure on commercial customer transactions by entering into offsetting swap agreements with approved reputable independent counterparties with substantially matching terms.  These undesignated derivative instruments are recognized on the consolidated balance sheet at fair value.  Because of matching terms of offsetting contracts and the collateral provisions mitigating any non-performance risk, changes in fair value subsequent to initial recognition are expected to have an insignificant effect on earnings. Exchanges of cash flows related to the undesignated interest rate swap agreements for the first quarter of 2014 were offsetting and therefore had no net effect on Bancorp’s earnings or cash flows.
	Interest rate swap agreements derive their value from underlying interest rates. These transactions involve both credit and market risk. The notional amounts are amounts on which calculations, payments, and the value of the derivative are based. Notional amounts do not represent direct credit exposures. Direct credit exposure is limited to the net difference between the calculated amounts to be received and paid, if any. Bancorp is exposed to credit-related losses in the event of nonperformance by the counterparties to these agreements. Bancorp controls the credit risk of its financial contracts through credit approvals, limits and monitoring procedures, and does not expect any counterparties to fail their obligations.
	At March 31, 2014 and December 31, 2013, Bancorp had outstanding undesignated interest rate swap contracts as follows:
			Receiving						Paying
			March 31,			December 31,			March 31,			December 31,
	(dollar amounts in thousands)		2014			2013			2014			2013
	Notional amount		$	7,706		$	5,159		$	7,706		$	5,159
	Weighted average maturity (years)		7.4			6.4			7.4			6.4
	Fair value		$	(322	)	$	(275	)	$	322		$	275
	In December 2013, Bancorp entered into an interest rate swap to hedge cash flows of a $10 million floating-rate FHLB borrowing. The interest rate swap involves exchange of Bancorp’s floating rate interest payments on the underlying principal amount. This swap was designated, and qualified, for cash-flow hedge accounting. The term of the swap began December 6, 2013 and ends December 6, 2016. For derivative instruments that are designated and qualify as hedging instruments, the effective portion of gains or losses is reported as a component of other comprehensive income, and is subsequently reclassified into earnings as an adjustment to interest expense in periods in which the hedged forecasted transaction affects earnings. The following table details Bancorp’s derivative position designated as a cash flow hedge, and the fair values as of March 31, 2014 and December 31, 2013.
	(dollars in thousands)
	Notional			Maturity		Receive (variable)		Pay fixed		Fair value			Fair value
	amount			date		index		swap rate		March 31, 2014			December 31, 2013
	$	10,000		12/6/16		US 3 Month LIBOR		0.715	%	$	57		$	24

Goodwill_and_Intangible_Assets

Goodwill and Intangible Assets	3 Months Ended
	Mar. 31, 2014
Goodwill and Intangible Assets	'
Goodwill and Intangible Assets	'
	(7)                     Goodwill and Intangible Assets
	US GAAP requires that goodwill and intangible assets with indefinite useful lives not be amortized, but instead be tested for impairment at least annually.  Annual evaluations have resulted in no indication of impairment.  Bancorp currently has goodwill in the amount of $682,000 from the 1996 acquisition of an Indiana bank.  This goodwill is assigned to the commercial banking segment of Bancorp.
	Bancorp recorded a core deposit intangible totaling $2,543,000 arising from the Oldham acquisition.  This intangible asset is being amortized over a ten-year period using an accelerated method which anticipates the life of the underlying deposits to which the intangible is attributable.  At March 31, 2014, the unamortized core deposit intangible was $2,004,000.
	Mortgage servicing rights (MSRs) are initially recognized at fair value when mortgage loans are sold and amortized in proportion to and over the period of estimated net servicing income, considering appropriate prepayment assumptions.  MSRs are evaluated quarterly for impairment by comparing carrying value to fair value.  The estimated fair values of MSRs at March 31, 2014 and December 31, 2013 were $3,124,000 and $3,953,000, respectively.  The total outstanding principal balances of loans serviced for others were $434,930,000 and $435,339,000 at March 31, 2014, and December 31, 2013, respectively.
	Changes in the net carrying amount of MSRs for the three months ended March 31, 2014 and 2013 are shown in the following table.
		For three months
		ended March 31,
	(in thousands)	2014			2013
	Balance at beginning of period	$	1,832		$	2,088
	Additions for mortgage loans sold	80			284
	Amortization	(233		)	(234		)
	Balance at March 31	$	1,679		$	2,138

Defined_Benefit_Retirement_Pla

Defined Benefit Retirement Plan	3 Months Ended
	Mar. 31, 2014
Defined Benefit Retirement Plan	'
Defined Benefit Retirement Plan	'
	(8)                     Defined Benefit Retirement Plan
	Bancorp sponsors an unfunded, non-qualified, defined benefit retirement plan for four key officers (two current, and two retired), and has no plans to increase the number of participants.  Benefits vest based on 25 years of service.  The actuarially determined pension costs are expensed and accrued over the service period, and benefits are paid from Bancorp’s assets.  The net periodic benefits costs, which include interest cost and amortization of net losses, totaled $32,000 and $36,000, for the three months ended March 31, 2014 and 2013, respectively.

Commitments_and_Contingent_Lia

Commitments and Contingent Liabilities	3 Months Ended
	Mar. 31, 2014
Commitments and Contingent Liabilities	'
Commitments and Contingent Liabilities	'
	(9)                     Commitments and Contingent Liabilities
	As of March 31, 2014, Bancorp had various commitments outstanding that arose in the normal course of business, including standby letters of credit and commitments to extend credit, which are properly not reflected in the consolidated financial statements. In management’s opinion, commitments to extend credit of $459.2 million including standby letters of credit of $13.8 million represent normal banking transactions, and no significant losses are anticipated to result from these commitments as of March 31, 2014. Commitments to extend credit were $469.5 million, including letters of credit of $15.2 million, as of December 31, 2013.  Bancorp’s maximum exposure to credit loss in the event of nonperformance by the other party to these commitments is represented by the contractual amount of these instruments. Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses. Commitments to extend credit are mainly comprised of commercial lines of credit, construction and home equity credit lines. Since some of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. Bancorp uses the same credit and collateral policies in making commitments and conditional guarantees as for on-balance sheet instruments. Bancorp evaluates each customer’s creditworthiness on a case by case basis. The amount of collateral obtained is based on management’s credit evaluation of the customer. Collateral held varies but may include accounts receivable, inventory, equipment, and real estate.
	Standby letters of credit and financial guarantees written are conditional commitments issued by Bancorp to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support private borrowing arrangements. Standby letters of credit generally have maturities of one to two years.
	Also, as of March 31, 2014, in the normal course of business, there were pending legal actions and proceedings in which claims for damages are asserted. Management, after discussion with legal counsel, believes the ultimate result of these legal actions and proceedings will not have a material adverse effect on the consolidated financial position or results of operations of Bancorp.

Preferred_Stock

Preferred Stock	3 Months Ended
	Mar. 31, 2014
Preferred Stock	'
Preferred Stock	'
	(10)              Preferred Stock
	Bancorp has a class of preferred stock (no par value; 1,000,000 shares authorized), the relative rights, preferences and other terms of which or any series within the class will be determined by the Board of Directors prior to any issuance.  None of this stock has been issued to date.

StockBased_Compensation

Stock-Based Compensation	3 Months Ended
	Mar. 31, 2014
Stock-Based Compensation	'
Stock-Based Compensation	'
	(11)              Stock-Based Compensation
	The fair value of all awards granted, net of estimated forfeitures, is recognized as compensation expense over the respective service period.
	Bancorp currently has one stock-based compensation plan.  Initially, in the 2005 Stock Incentive Plan, there were 735,000 shares of common stock reserved for issuance of stock based awards.  In 2010, shareholders approved an additional 700,000 shares of common stock for issuance under the plan.  As of March 31, 2014, there were 423,424 shares available for future awards.  Bancorp’s 1995 Stock Incentive Plan expired in 2005; however, options granted under this plan expire as late as 2015.
	Options and stock appreciation rights (SARs) granted generally have been subject to a vesting schedule of 20% per year.  Restricted shares generally vest over three to five years.  All awards have been granted at an exercise price equal to the market value of common stock at the time of grant; options and SARs expire ten years after the grant date unless forfeited due to employment termination.  No stock options have been granted since 2007.
	Grants of performance stock units (PSUs) to executive officers vest based upon service and a three-year performance period which begins January 1 of the first year of the performance period.  Because grantees are not entitled to dividend payments during the performance period, the fair value of these PSUs is estimated based upon the fair value of the underlying shares on the date of grant, adjusted for non-payment of dividends.
	Grants of restricted stock units (RSUs) to directors vest based upon one year of service.  Because grantees are entitled to deferred dividend payments at the end of the vesting period, the fair value of the RSUs are estimated based on the fair value of the underlying shares on the date of grant.
	Bancorp has recognized stock-based compensation expense, within salaries and employee benefits for employees, and within other non-interest expense for directors, in the consolidated statements of income as follows:
		For three months ended
		March 31,
	(in thousands)	2014			2013
	Stock-based compensation expense before income taxes	$	290		$	531
	Less: deferred tax benefit	(102		)	(186		)
	Reduction of net income	$	188		$	345
	Bancorp expects to record an additional $1,469,000 of stock-based compensation expense in 2014 for equity grants outstanding as of March 31, 2014.  As of March 31, 2014, Bancorp has $4,664,000 of unrecognized stock-based compensation expense that is expected to be recorded as compensation expense over the next five years as awards vest.  Bancorp received cash of $463,000 and $61,000 from the exercise of options during the first three months of 2014 and 2013, respectively.
	The fair values of Bancorp’s stock options and SARs are estimated at the date of grant using the Black-Scholes option pricing model, a leading formula for calculating the value of stock options and SARs.  This model requires the input of subjective assumptions, changes to which can materially affect the fair value estimate.  The fair value of restricted shares is determined by Bancorp’s closing stock price on the date of grant.  The following assumptions were used in SAR valuations at the grant date in each year:
		2014		2013
	Dividend yield	2.94%		2.80%
	Expected volatility	23.66%		22.54%
	Risk free interest rate	2.22%		1.26%
	Expected life of SARs	7.0 years		6.6 years
	Dividend yield and expected volatility are based on historical information corresponding to the expected life of options and SARs granted.  Expected volatility is the volatility of the underlying shares for the expected term on a monthly basis.  The risk free interest rate is the implied yield currently available on U.S. Treasury issues with a remaining term equal to the expected life of the options. The expected life of options and SARs is based on actual experience of past like-term options.  Bancorp evaluates historical exercise and post-vesting termination behavior when determining the expected life.
	A summary of stock option and SARs activity and related information for the three months ended March 31, 2014 follows:
													Weighted
							Weighted		Aggregate		Weighted		average
		Options					average		intrinsic		average		remaining
		and SARs		Exercise			exercise		value		fair		contractual
		(in thousands)		price			price		(in thousands)		value		life (in years)
	At December 31, 2013
	Vested and exercisable	579		$	20.25-26.83		$	23.83	$	4,685	$	5.43	3.4
	Unvested	218		21.03-24.87			22.7		2,011		4.36		7.7
	Total outstanding	797		20.25-26.83			23.52		6,696		5.14		4.6
	Granted	60		29.05			29.05		156		5.37
	Exercised	(24	)	20.25-26.83			23.05		190		5.36
	Forfeited	—		—			—		—		—
	At March 31, 2014
	Vested and exercisable	635		20.25-26.83			23.69		5,045		5.33		3.7
	Unvested	198		21.03-29.05			24.72		1,372		4.56		8.4
	Total outstanding	833		20.25-29.05			23.93		$	6,417	5.15		4.8
	Vested year-to-date	80		21.03-24.87			22.49		$	734	4.63
	Intrinsic value for stock options and SARs is defined as the amount by which the current market price of the underlying stock exceeds the exercise price.
	For the periods ending December 31, 2013 and March 31, 2014, Bancorp granted shares of restricted common stock as outlined in the following table:
				Grant date
				weighted-
		Number		average cost
	Unvested at December 31, 2012	113,910		$	22.55
	Shares awarded	55,275		22.93
	Restrictions lapsed and shares released to employees/directors	(39,909	)	22.29
	Shares forfeited	(4,720	)	23.45
	Unvested at December 31, 2013	124,556		$	22.77
	Shares awarded	39,480		29.11
	Restrictions lapsed and shares released to employees/directors	(42,932	)	22.63
	Shares forfeited	(1,081	)	23.55
	Unvested at March 31, 2014	120,023		$	24.9
	Bancorp awarded performance-based restricted stock units (PSUs) to executive officers of Bancorp, the three-year performance period for which began January 1 of the award year.   The following table outlines the PSU grants.
		Vesting				Expected
	Grant	period		Fair		shares to
	year	in years		value		be awarded
	2012	3		20.57		22,668
	2013	3		20.38		28,579
	2014	3		26.42		16,675
	In the first quarter of 2014, Bancorp awarded 3,920 restricted stock units (RSUs) to directors of Bancorp.  The RSUs vest in one year.

Net_Income_Per_Share

Net Income Per Share	3 Months Ended
	Mar. 31, 2014
Net Income Per Share	'
Net Income Per Share	'
	(12)              Net Income Per Share
	The following table reflects, for the three months ended March 31, 2014 and 2013, net income (the numerator) and average shares outstanding (the denominator) for the basic and diluted net income per share computations:
		Three months ended
		March 31
	(In thousands, except per share data)	2014		2013
	Net income	$	8,177	$	6,768
	Average shares outstanding	14,506		13,814
	Dilutive securities	195		37
	Average shares outstanding including dilutive securities	14,701		13,851
	Net income per share, basic	$	0.56	$	0.49
	Net income per share, diluted	$	0.56	$	0.49

Segments

Segments	3 Months Ended
	Mar. 31, 2014
Segments	'
Segments	'
	(13)              Segments
	Bancorp’s principal activities include commercial banking and investment management and trust.  Commercial banking provides a full range of loan and deposit products to individual consumers and businesses.  Commercial banking also includes Bancorp’s mortgage origination and securities brokerage activity.  Investment management and trust provides wealth management services including investment management, trust and estate administration, and retirement plan services.
	Financial information for each business segment reflects that which is specifically identifiable or allocated based on an internal allocation method. Income taxes are allocated based on the effective federal income tax rate adjusted for any tax exempt activity.  All tax exempt activity and provision for loan losses have been allocated to the commercial banking segment.  Measurement of performance of business segments is based on the management structure of Bancorp and is not necessarily comparable with similar information for any other financial institution. Information presented is also not necessarily indicative of the segments’ operations if they were independent entities.
	Selected financial information by business segment for the three month periods ended March 31, 2014 and 2013 follows:
				Investment
		Commercial		management
	(in thousands)	banking		and trust		Total
	Three months ended March 31, 2014
	Net interest income	$	20,181	$	47	$	20,228
	Provision for loan losses	350		—		350
	Investment management and trust services	—		4,568		4,568
	All other non-interest income	4,890		17		4,907
	Non-interest expense	14,962		2,582		17,544
	Income before income taxes	9,759		2,050		11,809
	Tax expense	2,903		729		3,632
	Net income	$	6,856	$	1,321	$	8,177
	Three months ended March 31, 2013
	Net interest income	$	18,428	$	35	$	18,463
	Provision for loan losses	2,325		—		2,325
	Investment management and trust services	—		3,886		3,886
	All other non-interest income	5,325		17		5,342
	Non-interest expense	13,590		1,989		15,579
	Income before income taxes	7,838		1,949		9,787
	Tax expense	2,331		688		3,019
	Net income	$	5,507	$	1,261	$	6,768

Income_Taxes

Income Taxes	3 Months Ended
	Mar. 31, 2014
Income Taxes	'
Income Taxes	'
	(14)              Income Taxes
	An analysis of the difference between the statutory and effective tax rates for the three months ended March 31, 2014 and 2013 follows:
		Three months ended March 31,
		2014		2013
	U.S. federal statutory tax rate	35	%	35	%
	Tax exempt interest income	(1.7	)	(2.1	)
	Tax credits	(1.6	)	(0.7	)
	Cash surrender value of life insurance	(2.0	)	(2.4	)
	State income taxes	1		1
	Other, net	0.1		—
	Effective tax rate	30.8	%	30.8	%
	US GAAP provides guidance on financial statement recognition and measurement of tax positions taken, or expected to be taken, in tax returns.  As of March 31, 2014 and December 31, 2013, the gross amount of unrecognized tax benefits was $43,000 and $41,000, respectively.  If recognized, the tax benefits would reduce tax expense and accordingly, increase net income.  The amount of unrecognized tax benefits may increase or decrease in the future for various reasons including adding amounts for current tax year positions, expiration of open income tax returns due to statutes of limitation, changes in management’s judgment about the level of uncertainty, status of examination, litigation and legislative activity and the addition or elimination of uncertain tax positions.
	Bancorp is currently under IRS examination of its 2011 corporate income tax return.  Management does not expect that the results of the examination will have a material effect on our financial condition.    While management believes tax positions are appropriate, the IRS could challenge Bancorp’s positions as a part of this examination.  Federal and state income tax returns are subject to examination for the tax return years after 2009.
	Bancorp’s policy is to report interest and penalties, if any, related to unrecognized tax benefits in income tax expense.  As of March 31, 2014 and December 31, 2013, the amount accrued for the potential payment of interest and penalties was $3,000 and $2,000, respectively.

Fair_Value_Measurements

Fair Value Measurements	3 Months Ended
	Mar. 31, 2014
Fair Value Measurements	'
Fair Value Measurements	'
	(15)              Fair Value Measurements
	Bancorp follows the provisions of the authoritative guidance for fair value measurements.  This guidance is definitional and disclosure oriented and addresses how companies should approach measuring fair value when required by US GAAP. The guidance prescribes various disclosures about financial statement categories and amounts which are measured at fair value, if such disclosures are not already specified elsewhere in US GAAP.
	The authoritative guidance defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between participants at the measurement date.  The guidance also establishes a hierarchy to group assets and liabilities carried at fair value in three levels based upon the markets in which the assets and liabilities trade and the reliability of assumptions used to determine fair value. These levels are:
	·                 Level 1:  Valuation is based upon quoted prices for identical instruments traded in active markets.
	·                 Level 2:  Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.
	·                 Level 3:  Valuation is generated from model-based techniques that use significant assumptions not observable in the market. These unobservable assumptions would reflect internal estimates of assumptions that market participants would use in pricing the asset or liability. Valuation techniques could include pricing models, discounted cash flows and other similar techniques.
	Authoritative guidance requires maximization of use of observable inputs and minimization of use of unobservable inputs in fair value measurements. Where there exists limited or no observable market data, Bancorp uses its own estimates generally considering characteristics of the asset/liability, the current economic and competitive environment and other factors. For this reason, results cannot be determined with precision and may not be realized on an actual sale or immediate settlement of the asset or liability.
	Bancorp’s investment securities available for sale and interest rate swaps are recorded at fair value on a recurring basis.  Other accounts including mortgage loans held for sale, mortgage servicing rights, impaired loans and other real estate owned may be recorded at fair value on a non-recurring basis, generally in the application of lower of cost or market adjustments or write-downs of specific assets.
	The portfolio of investment securities available for sale is comprised of U.S. Treasury and other U.S government obligations, debt securities of U.S. government-sponsored corporations, mortgage-backed securities, obligations of state and political subdivisions and corporate equity securities.  Corporate equity securities, included in the 2014 table, are priced using quoted prices of identical securities in an active market.  These measurements are classified as Level 1 in the hierarchy above.  All other securities are priced using standard industry models or matrices with various assumptions such as yield curves, volatility, prepayment speeds, default rates, time value, credit rating and market prices for the instruments. These assumptions are generally observable in the market place and can be derived from or supported by observable data. These measurements are classified as Level 2 in the hierarchy above.
	Interest rate swaps are valued using primarily Level 2 inputs. Fair value measurements are obtained from an outside pricing service. Prices obtained are generally based on dealer quotes, benchmark forward yield curves, and other relevant observable market data. For purposes of potential valuation adjustments to derivative positions, Bancorp evaluates the credit risk of its counterparties as well as its own credit risk. To date, Bancorp has not realized any losses due to a counterparty’s inability to perform and the change in value of derivative assets and liabilities attributable to credit risk was not significant during 2014.
	Below are the carrying values of assets measured at fair value on a recurring basis.
		Fair value at March 31, 2014
	(in thousands)	Total		Level 1		Level 2		Level 3
	Assets
	Investment securities available for sale
	U.S. Treasury and other U.S. government obligations	$	40,000	$	—	$	40,000	$	—
	Government sponsored enterprise obligations	156,357		—		$	156,357	—
	Mortgage-backed securities - government agencies	173,280		—		173,280		—
	Obligations of states and political subdivisions	69,505		—		69,505		—
	Corporate equity securities	1,042		1,042		—		—
	Total investment securities available for sale	440,184		1,042		439,142		—
	Interest rate swaps	379		—		379		—
	Total assets	$	440,563	$	1,042	$	439,521	$	—
	Liabilities
	Interest rate swaps	$	322	$	—	$	322	$	—
		Fair value at December 31, 2013
	(in thousands)	Total		Level 1		Level 2		Level 3
	Assets
	Investment securities available for sale
	U.S. Treasury and other U.S. government obligations	$	110,000	$	—	$	110,000	$	—
	Government sponsored enterprise obligations	137,845		—		$	137,845	—
	Mortgage-backed securities - government agencies	172,693		—		172,693		—
	Obligations of states and political subdivisions	69,493		—		69,493		—
	Total investment securities available for sale	490,031		—		490,031		—
	Interest rate swaps	299		—		299		—
	Total assets	$	490,330	$	—	$	490,330	$	—
	Liabilities
	Interest rate swaps	$	275	$	—	$	275	$	—
	Bancorp did not have any financial instruments classified within Level 3 of the valuation hierarchy for assets and liabilities measured at fair value on a recurring basis at March 31, 2014 or December 31, 2013.
	MSRs are recorded at fair value upon capitalization, are amortized to correspond with estimated servicing income, and are periodically assessed for impairment based on fair value at the reporting date.  Fair value is based on a valuation model that calculates the present value of estimated net servicing income. The model incorporates assumptions that market participants would use in estimating future net servicing income. These measurements are classified as Level 3.  At March 31, 2014 and December 31, 2013 there was no valuation allowance for the mortgage servicing rights, as the fair value exceeded the cost.  Accordingly, the MSRs are not included in either table below for March 31, 2014 or December 31, 2013.
	Mortgage loans held for sale are recorded at the lower of cost or market value. The portfolio is comprised of residential real estate loans and fair value is based on specific prices of underlying contracts for sales to investors.  These measurements are classified as Level 2.  Because the fair value of the loans held for sale exceeded carrying value, mortgage loans held for sale are not included in either table below for March 31, 2014 or December 31, 2013.
	Other real estate owned, which is carried at the lower of cost or fair value, is periodically assessed for impairment based on fair value at the reporting date.  Fair value is determined from external appraisals using judgments and estimates of external professionals.  Many of these inputs are not observable and, accordingly, these measurements are classified as Level 3.  At March 31, 2014 and December 31, 2013, the carrying value of other real estate owned was $2,933,000 and $5,590,000, respectively.  Other real estate owned is not included in either table below, as the fair value of the properties exceeded their carrying value at March 31, 2014 and December 31, 2013.
	For impaired loans in the table below, the fair value is calculated as the carrying value of only loans with a specific valuation allowance, less the specific allowance.  As of March 31, 2014, total impaired loans with a valuation allowance were $8.4 million, and the specific allowance totaled $1.3 million, resulting in a fair value of $7.1 million, compared to total impaired loans with a valuation allowance of $10.6 million, and the specific allowance allocation totaling $1.5 million, resulting in a fair value of $9.1 million at December 31, 2013.  The losses represent the change in the specific allowances for the period indicated.
	Below are the carrying values of assets measured at fair value on a non-recurring basis.
										Losses for 3 month
		Fair value at March 31, 2014								period ended
	(in thousands)	Total		Level 1		Level 2		Level 3		March 31, 2014
	Impaired loans	$	7,102	$	—	$	—	$	7,102	$	(180	)
										Losses for 3 month
		Fair value at December 31, 2013								period ended
	(in thousands)	Total		Level 1		Level 2		Level 3		March 31, 2013
	Impaired loans	$	9,128	$	—	$	—	$	9,128	$	(928	)
	In the case of the securities portfolio, Bancorp monitors the valuation technique utilized by pricing agencies to ascertain when transfers between levels have occurred.  The nature of the remaining assets and liabilities is such that transfers in and out of any level are expected to be rare.  For the three months ended March 31, 2014, there were no transfers between Levels 1, 2, or 3.

Fair_Value_of_Financial_Instru

Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2014
Fair Value of Financial Instruments	'
Fair Value of Financial Instruments	'
	(16)              Fair Value of Financial Instruments
	The following table presents the carrying amounts, estimated fair values, and placement in the fair value hierarchy of financial instruments not measured at fair value on a recurring or non-recurring basis at March 31, 2014 and December 31, 2013.
		Carrying
	(in thousands)	Amount		Fair Value		Level 1		Level 2		Level 3
	March 31, 2014
	Financial assets
	Cash and short-term investments	$	82,954	$	82,954	$	82,954	$	—	$	—
	Mortgage loans held for sale	3,473		3,600		—		3,600		—
	Federal Home Loan Bank stock and other securities	7,347		7,347		—		7,347		—
	Loans, net	1,700,028		1,713,562		—		—		1,713,562
	Accrued interest receivable	5,658		5,658		5,658		—		—
	Financial liabilities
	Deposits	$	1,987,387	$	1,989,147	$	—	$	1,989,147	$	—
	Short-term borrowings	71,184		71,184		—		71,184		—
	FHLB advances	34,288		35,077		—		35,077		—
	Accrued interest payable	125		125		125		—		—
		Carrying
	(in thousands)	Amount		Fair Value		Level 1		Level 2		Level 3
	December 31, 2013
	Financial assets
	Cash and short-term investments	$	70,770	$	70,770	$	70,770	$	—	$	—
	Mortgage loans held for sale	1,757		1,817		—		1,817		—
	Federal Home Loan Bank stock and other securities	7,347		7,347		—		7,347		—
	Loans, net	1,692,828		1,703,291		—		—		1,703,291
	Accrued interest receivable	5,712		5,712		5,712		—		—
	Financial liabilities
	Deposits	$	1,980,937	$	1,983,029	$	—	$	1,983,029	$	—
	Short-term borrowings	117,910		117,910		—		117,910		—
	FHLB advances	34,329		35,166		—		35,166		—
	Accrued interest payable	128		128		128		—		—
	Management used the following methods and assumptions to estimate the fair value of each class of financial instrument for which it is practicable to estimate the value.
	Cash, short-term investments, accrued interest receivable/payable and short-term borrowings
	For these short-term instruments, carrying amount is a reasonable estimate of fair value.
	Federal Home Loan Bank stock and other securities
	For these securities without readily available market values, the carrying amount is a reasonable estimate of fair value.
	Mortgage loans held for sale
	The fair value of mortgage loans held for sale is determined by market quotes for similar loans based on loan type, term, rate, size and the borrower’s credit score.
	Loans, net
	US GAAP prescribes the exit price concept for estimating fair value of loans.  Because there is not a liquid market (exit price) for trading predominant types of loans in Bancorp’s portfolio, fair value of loans is estimated by discounting future cash flows using current rates at which similar loans would be made to borrowers with similar credit ratings and for the same remaining maturities (e.g. entrance price).
	Deposits
	Fair value of demand deposits, savings accounts, and certain money market deposits is the amount payable on demand at the reporting date. Fair value of fixed-rate certificates of deposits is estimated by discounting future cash flows using the rates currently offered for deposits of similar remaining maturities.
	Federal Home Loan Bank advances
	Fair value of FHLB advances is estimated by discounting future cash flows using estimates of current market rate for instruments with similar terms and remaining maturities.
	Commitments to extend credit and standby letters of credit
	Fair values of commitments to extend credit are estimated using fees currently charged to enter into similar agreements and the creditworthiness of the customers. Fair values of standby letters of credit are based on fees currently charged for similar agreements or estimated cost to terminate them or otherwise settle obligations with counterparties at the reporting date.  Fair value of commitments to extend credit, letters of credit and lines of credit is not presented since management believes the fair value to be insignificant.
	Limitations
	Fair value estimates are made at a specific point in time based on relevant market information and information about financial instruments. Because no market exists for a significant portion of Bancorp’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. Therefore, calculated fair value estimates in many instances cannot be substantiated by comparison to independent markets and, in many cases, may not be realizable in a current sale of the instrument.  Changes in assumptions could significantly affect estimates.

Regulatory_Matters

Regulatory Matters	3 Months Ended
	Mar. 31, 2014
Regulatory Matters	'
Regulatory Matters	'
	(17)              Regulatory Matters
	Bancorp and the Bank are subject to various capital requirements prescribed by banking regulations and administered by state and federal banking agencies. Under these requirements, Bancorp and the Bank must meet minimum amounts and percentages of Tier I and total capital, as defined, to risk weighted assets and Tier I capital to average assets. Risk weighted assets are determined by applying certain risk weightings prescribed by the regulations to various categories of assets and off-balance sheet commitments. Capital and risk weighted assets may be further subject to qualitative judgments by regulators as to components, risk weighting and other factors. Failure to meet the capital requirements can result in certain mandatory, and possibly discretionary, corrective actions prescribed by the regulations or determined to be necessary by the regulators, which could materially affect the unaudited consolidated financial statements. Bancorp and the Bank met all capital requirements to which they were subject as of March 31, 2014.
	The following table sets forth consolidated Bancorp’s and the Bank’s risk based capital amounts and ratios as of March 31, 2014 and December 31, 2013.
		Actual				Minimum for adequately				Minimum for well
						capitalized				capitalized
	(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
	March 31, 2014
	Total risk-based capital (1)
	Consolidated	$	258,026	13.72	%	$	150,452	8	%	NA		NA
	Bank	248,296		13.24	%	150,028		8	%	$	187,535	10	%
	Tier I risk-based capital (1)
	Consolidated	$	234,459	12.47	%	$	75,207	4	%	NA		NA
	Bank	224,796		11.99	%	74,994		4	%	$	112,492	6	%
	Leverage (2)
	Consolidated	$	234,459	10	%	$	70,338	3	%	NA		NA
	Bank	224,796		9.61	%	70,176		3	%	$	116,959	5	%
	December 31, 2013
	Total risk-based capital (1)
	Consolidated	$	252,171	13.54	%	$	148,993	8	%	NA		NA
	Bank	239,577		12.9	%	148,575		8	%	$	185,719	10	%
	Tier I risk-based capital (1)
	Consolidated	$	228,827	12.29	%	$	74,476	4	%	NA		NA
	Bank	219,299		11.65	%	75,296		4	%	$	112,944	6	%
	Leverage (2)
	Consolidated	$	228,827	9.75	%	$	70,408	3	%	NA		NA
	Bank	219,299		9.24	%	71,201		3	%	$	118,668	5	%
	(1)                   Ratio is computed in relation to risk-weighted assets.
	(2)                   Ratio is computed in relation to average assets.
	NA — Not applicable.  Regulatory framework does not define well capitalized for holding companies.

Acquisition_Tables

Acquisition (Tables)	3 Months Ended
	Mar. 31, 2014
Acquisition	'
Summary of consideration paid and the amounts of assets acquired and liabilities assumed, adjusted for fair value at the acquisition date	'
	(amounts in thousands)
	Purchase price:
	Cash	$	8,297
	Equity instruments (531,288 common shares of Bancorp)	12,198
	Total purchase price	20,495
	Identifiable assets:
	Cash and federal funds sold	17,260
	Investment securities	81,827
	Loans	39,755
	Premises and equipment	4,008
	Core deposit intangible	2,543
	Other assets	605
	Total identifiable assets	145,998
	Identifiable liabilities:
	Deposits	120,435
	Securities sold under agreement to repurchase	2,762
	Other liabilities	1,857
	Total identifiable liabilities	125,054
	Net gain resulting from acquisition	$	449
	Acquisition costs (included in other non-interest expenses in Bancorp’s income statement for the year ended December 31, 2013)	$	1,548
Schedule of acquired loans	'
	Below is an analysis of the fair value of acquired loans as of March 31, 2014.
	(in thousands)	Acquired			Acquired non-			Total
		impaired			impaired			acquired
		loans			loans			loans
	Contractually required principal and interest at acquisition	$	3,285		$	37,763		$	41,048
	Contractual cash flows not expected to be collected	(372		)	(723		)	(1,095		)
	Expected cash flows at acquisition	2,913			37,040			39,953
	Interest component of expected cash flows	(174		)	(24		)	(198		)
	Basis in acquired loans at acquisition - estimated fair value	$	2,739		$	37,016		$	39,755

Securities_Tables

Securities (Tables)	3 Months Ended
	Mar. 31, 2014
Securities	'
Schedule of amortized cost, unrealized gains and losses, and fair value of securities available for sale	'
		Amortized		Unrealized
	(in thousands)	cost		Gains		Losses		Fair value
	March 31, 2014
	U.S. Treasury and other U.S. government obligations	$	40,000	$	—	$	—	$	40,000
	Government sponsored enterprise obligations	156,246		1,665		1,554		156,357
	Mortgage-backed securities - government agencies	175,020		1,523		3,263		173,280
	Obligations of states and political subdivisions	68,082		1,634		211		69,505
	Corporate equity securities	756		286		—		1,042
	Total securities available for sale	$	440,104	$	5,108	$	5,028	$	440,184
		Amortized		Unrealized
	(in thousands)	cost		Gains		Losses		Fair value
	December 31, 2013
	U.S. Treasury and other U.S. government obligations	$	110,000	$	—	$	—	$	110,000
	Government sponsored enterprise obligations	138,094		1,623		1,872		137,845
	Mortgage-backed securities - government agencies	176,524		1,391		5,222		172,693
	Obligations of states and political subdivisions	68,448		1,473		428		69,493
	Total securities available for sale	$	493,066	$	4,487	$	7,522	$	490,031
Summary of securities based on contractual maturity	'
	A summary of the available for sale investment securities by maturity groupings as of March 31, 2014 is shown below.
	(in thousands)
	Securities available for sale	Amortized cost		Fair value
	Due within 1 year	$	67,648	$	67,833
	Due after 1 but within 5 years	127,055		128,435
	Due after 5 but within 10 years	32,945		33,531
	Due after 10 years	36,680		36,063
	Mortgage-backed securities	175,020		173,280
	Corporate equity securities	756		1,042
	Total securities available for sale	$	440,104	$	440,184
Schedule of securities with unrealized losses not recognized in income	'
		Less than 12 months				12 months or more				Total
		Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	(in thousands)	value		losses		value		losses		value		losses
	March 31, 2014
	Government sponsored enterprise obligations	$	77,580	$	1,161	$	4,402	$	393	$	81,982	$	1,554
	Mortgage-backed securities - government agencies	85,985		2,089		17,691		1,174		103,676		3,263
	Obligations of states and political subdivisions	15,434		186		2,093		25		17,527		211
	Total temporarily impaired securities	$	178,999	$	3,436	$	24,186	$	1,592	$	203,185	$	5,028
	December 31, 2013
	Government sponsored enterprise obligations	$	76,755	$	1,429	$	4,353	$	443	$	81,108	$	1,872
	Mortgage-backed securities - government agencies	112,652		4,400		8,752		822		121,404		5,222
	Obligations of states and political subdivisions	22,092		405		1,211		23		23,303		428
	Total temporarily impaired securities	$	211,499	$	6,234	$	14,316	$	1,288	$	225,815	$	7,522

Loans_Tables

Loans (Tables)	3 Months Ended
	Mar. 31, 2014
Loans	'
Schedule of loans by primary loan portfolio segment	'
	(in thousands)	March 31, 2014			December 31, 2013
	Commercial and industrial	$	511,247		$	510,739
	Construction and development, excluding undeveloped land	88,108			99,719
	Undeveloped land	29,209			29,871
	Real estate mortgage	1,066,595			1,046,823
	Consumer	33,460			34,198
	Total loans	$	1,728,619		$	1,721,350
Schedule of the balance in the recorded investment in loans and allowance for loan losses by portfolio segment and based on impairment method	'
		Type of loan
					Construction
					and development
		Commercial			excluding
		and			undeveloped			Undeveloped			Real estate
	(in thousands)	industrial			land			land			mortgage			Consumer			Total
	March 31, 2014
	Loans	$	511,247		$	88,108		$	29,209		$	1,066,595		$	33,460		$	1,728,619
	Loans individually evaluated for impairment	$	7,653		$	26		$	6,988		$	5,273		$	82		$	20,022
	Loans collectively evaluated for impairment	$	502,967		$	87,021		$	22,221		$	1,060,820		$	33,360		$	1,706,389
	Loans acquired with deteriorated credit quality	$	627		$	1,061		$	—		$	502		$	18		$	2,208
					Construction
					and development
		Commercial			excluding
		and			undeveloped			Undeveloped			Real estate
		industrial			land			land			mortgage			Consumer			Unallocated			Total
	Allowance for loan losses
	At December 31, 2013	$	7,644		$	2,555		$	5,376		$	12,604		$	343		$	—		$	28,522
	Provision	(145		)	(628		)	925			185			13			—			350
	Charge-offs	—			—			(30		)	(294		)	(195		)	—			(519		)
	Recoveries	9			—			31			20			178			—			238
	At March 31, 2014	$	7,508		$	1,927		$	6,302		$	12,515		$	339		$	—		$	28,591
	Allowance for loans individually evaluated for impairment	$	746		$	—		$	—		$	439		$	82					$	1,267
	Allowance for loans collectively evaluated for impairment	$	6,762		$	1,927		$	6,302		$	12,076		$	257		$	—		$	27,324
	Balance: loans acquired with deteriorated credit quality	$	—		$	—		$	—		$	—		$	—					$	—
		Type of loan
					Construction
					and development
		Commercial			excluding
		and			undeveloped			Undeveloped			Real estate
	(in thousands)	industrial			land			land			mortgage			Consumer			Total
	December 31, 2013
	Loans	$	510,739		$	99,719		$	29,871		$	1,046,823		$	34,198		$	1,721,350
	Loans individually evaluated for impairment	$	7,579		$	26		$	7,340		$	7,478		$	84		$	22,507
	Loans collectively evaluated for impairment	$	502,535		$	98,428		$	22,531		$	1,038,824		$	34,095		$	1,696,413
	Loans acquired with deteriorated credit quality	$	625		$	1,265		$	—		$	521		$	19		$	2,430
					Construction
					and development
		Commercial			excluding
		and			undeveloped			Undeveloped			Real estate
		industrial			land			land			mortgage			Consumer			Unallocated			Total
	Allowance for loan losses
	At December 31, 2012	$	5,949		$	4,536		$	—		$	14,288		$	362		$	6,746		$	31,881
	Provision	1,583			(2,119		)	13,256			490			86			(6,746		)	6,550
	Charge-offs	(457		)	(25		)	(7,961		)	(2,758		)	(763		)	—			(11,964		)
	Recoveries	569			163			81			584			658			—			2,055
	At December 31, 2013	$	7,644		$	2,555		$	5,376		$	12,604		$	343		$	—		$	28,522
	Allowance for loans individually evaluated for impairment	$	762		$	—		$	—		$	606		$	84					$	1,452
	Allowance for loans collectively evaluated for impairment	$	6,882		$	2,555		$	5,376		$	11,998		$	259		$	—		$	27,070
Schedule of the changes in accretable discount related to credit impaired acquired loans	'
	(in thousands)
	Balance at December 31, 2012	$	—
	Additions due to Oldham acquisition	174
	Accretion	(37		)
	Reclassifications from (to) non-accretable difference	—
	Disposals	—
	Balance at December 31, 2013	137
	Accretion	(28		)
	Reclassifications from (to) non-accretable difference	—
	Disposals	—
	Balance at March 31, 2014	$	109
Schedule of loans individually evaluated for impairment	'
					Unpaid						Average
		Recorded			principal			Related			recorded
	(in thousands)	investment			balance			allowance			investment
	March 31, 2014
	Loans with no related allowance recorded
	Commercial and industrial	$	1,244		$	1,387		$	—		$	1,037
	Construction and development, excluding undeveloped land	26			151			—			26
	Undeveloped land	6,988			9,675			—			7,164
	Real estate mortgage	3,396			4,086			—			3,564
	Consumer	—			—			—			—
	Subtotal	11,654			15,299			—			11,791
	Loans with an allowance recorded
	Commercial and industrial	$	6,409		$	6,409		$	746		$	6,579
	Construction and development, excluding undeveloped land	—			—			—			—
	Undeveloped land	—			—			—			—
	Real estate mortgage	1,877			1,877			439			2,812
	Consumer	82			82			82			83
	Subtotal	8,368			8,368			1,267			9,474
	Total
	Commercial and industrial	$	7,653		$	7,796		$	746		$	7,616
	Construction and development, excluding undeveloped land	26			151			—			26
	Undeveloped land	6,988			9,675			—			7,164
	Real estate mortgage	5,273			5,963			439			6,376
	Consumer	82			82			82			83
	Total	$	20,022		$	23,667		$	1,267		$	21,265
					Unpaid						Average
		Recorded			principal			Related			recorded
	(in thousands)	investment			balance			allowance			investment
	December 31, 2013
	Loans with no related allowance recorded
	Commercial and industrial	$	830		$	974		$	—		$	4,499
	Construction and development, excluding undeveloped land	26			151			—			54
	Undeveloped land	7,340			9,932			—			3,272
	Real estate mortgage	3,731			5,069			—			5,559
	Consumer	—			—			—			3
	Subtotal	11,927			16,126			—			13,387
	Loans with an allowance recorded
	Commercial and industrial	$	6,749		$	6,749		$	762		$	3,806
	Construction and development, excluding undeveloped land	—			—			—			259
	Undeveloped land	—			—			—			7,152
	Real estate mortgage	3,747			4,065			606			3,705
	Consumer	84			84			84			34
	Subtotal	10,580			10,898			1,452			14,956
	Total
	Commercial and industrial	$	7,579		$	7,723		$	762		$	8,305
	Construction and development, excluding undeveloped land	26			151			—			313
	Undeveloped land	7,340			9,932			—			10,424
	Real estate mortgage	7,478			9,134			606			9,264
	Consumer	84			84			84			37
	Total	$	22,507		$	27,024		$	1,452		$	28,343
Schedule of recorded investment in non-accrual loans	'
	(in thousands)	March 31, 2014			December 31, 2013
	Commercial and industrial	$	884		$	846
	Construction and development, excluding undeveloped land	26			26
	Undeveloped land	6,988			7,340
	Real estate mortgage	4,843			7,046
	Consumer	—			—
	Total	$	12,741		$	15,258
Schedule of the recorded investment in loans accounted for as TDR that were restructured and experienced a payment default	'
		Number of
	(dollars in thousands)	Contracts		Recorded Investment
	March 31, 2014
	Commercial & industrial	1		$	790
	Total	1		$	790
Schedule of aging of loans	'
								Greater
								than												Recorded
								90 days												investment
								past due												> 90 days
		30-59 days			60-89 days			(includes			Total						Total			and
	(in thousands)	past due			past due			non-accrual)			past due			Current			loans			accruing
	March 31, 2014
	Commercial and industrial	$	415		$	379		$	917		$	1,711		$	509,536		$	511,247		$	33
	Construction and development, excluding undeveloped land	244			—			26			270			87,838			88,108			—
	Undeveloped land	—			—			6,988			6,988			22,221			29,209			—
	Real estate mortgage	8,077			2,199			5,249			15,525			1,051,070			1,066,595			406
	Consumer	105			42			—			147			33,313			33,460			—
	Total	$	8,841		$	2,620		$	13,180		$	24,641		$	1,703,978		$	1,728,619		$	439
	December 31, 2013
	Commercial and industrial	$	808		$	201		$	1,268		$	2,277		$	508,462		$	510,739		$	421
	Construction and development, excluding undeveloped land	429			—			26			455			99,264			99,719			—
	Undeveloped land	—			—			7,340			7,340			22,531			29,871			—
	Real estate mortgage	4,529			1,180			7,062			12,771			1,034,052			1,046,823			16
	Consumer	110			—			—			110			34,088			34,198			—
	Total	$	5,876		$	1,381		$	15,696		$	22,953		$	1,698,397		$	1,721,350		$	437
Schedule of credit risk profile by internally assigned grade	'
	(in thousands)	Commercial			Construction			Undeveloped			Real estate			Consumer			Total
		and industrial			and			land			mortgage
					development,
					excluding
					undeveloped
					land
	March 31, 2014
	Grade
	Pass	$	492,970		$	77,048		$	21,517		$	1,040,582		$	33,296		$	1,665,413
	Special mention	7,104			5,944			540			15,099			82			28,769
	Substandard	3,025			4,682			164			4,745			—			12,616
	Substandard non- performing	8,148			434			6,988			6,169			82			21,821
	Doubtful	—			—			—			—			—			—
	Total	$	511,247		$	88,108		$	29,209		$	1,066,595		$	33,460		$	1,728,619
	December 31, 2013
	Grade
	Pass	$	486,140		$	87,896		$	22,366		$	1,014,216		$	34,028		$	1,644,646
	Special mention	12,983			7,091			—			17,916			86			38,076
	Substandard	3,616			4,706			165			7,197			—			15,684
	Substandard non- performing	8,000			26			7,340			7,494			84			22,944
	Doubtful	—			—			—			—			—			—
	Total	$	510,739		$	99,719		$	29,871		$	1,046,823		$	34,198		$	1,721,350

Federal_Home_Loan_Bank_Advance1

Federal Home Loan Bank Advances (Tables)	3 Months Ended
	Mar. 31, 2014
Federal Home Loan Bank Advances	'
Summary of the contractual maturities and average effective rates of outstanding advances	'
		March 31, 2014				December 31, 2013
	(In thousands)	Advance		Rate		Advance		Rate
	2014	$	10,000	0.21	%	$	10,000	0.21	%
	2015	20,000		3.34	%	20,000		3.34	%
	2020	1,919		2.23	%	1,931		2.23	%
	2021	548		2.12	%	564		2.12	%
	2024	405		2.4	%	408		2.4	%
	2028	1,416		1.47	%	1,426		1.46	%
		$	34,288	2.26	%	$	34,329	2.26	%

Derivative_Financial_Instrumen1

Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2014
Undesignated	'
Derivative financial instruments	'
Schedule of outstanding interest rate swap contracts	'
			Receiving						Paying
			March 31,			December 31,			March 31,			December 31,
	(dollar amounts in thousands)		2014			2013			2014			2013
	Notional amount		$	7,706		$	5,159		$	7,706		$	5,159
	Weighted average maturity (years)		7.4			6.4			7.4			6.4
	Fair value		$	(322	)	$	(275	)	$	322		$	275
Designated as hedges	'
Derivative financial instruments	'
Schedule of outstanding interest rate swap contracts	'
	(dollars in thousands)
	Notional			Maturity		Receive (variable)		Pay fixed		Fair value			Fair value
	amount			date		index		swap rate		March 31, 2014			December 31, 2013
	$	10,000		12/6/16		US 3 Month LIBOR		0.715	%	$	57		$	24

Goodwill_and_Intangible_Assets1

Goodwill and Intangible Assets (Tables)	3 Months Ended
	Mar. 31, 2014
Goodwill and Intangible Assets	'
Schedule of changes in net carrying amount of MSRs	'
		For three months
		ended March 31,
	(in thousands)	2014			2013
	Balance at beginning of period	$	1,832		$	2,088
	Additions for mortgage loans sold	80			284
	Amortization	(233		)	(234		)
	Balance at March 31	$	1,679		$	2,138

StockBased_Compensation_Tables

Stock-Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2014
Stock-Based Compensation	'
Schedule of stock-based compensation expense, within salaries and employee benefits	'
		For three months ended
		March 31,
	(in thousands)	2014			2013
	Stock-based compensation expense before income taxes	$	290		$	531
	Less: deferred tax benefit	(102		)	(186		)
	Reduction of net income	$	188		$	345
Schedule of assumptions used in SAR valuations	'
		2014		2013
	Dividend yield	2.94%		2.80%
	Expected volatility	23.66%		22.54%
	Risk free interest rate	2.22%		1.26%
	Expected life of SARs	7.0 years		6.6 years
Schedule of stock option and SARs activity and related information	'
													Weighted
							Weighted		Aggregate		Weighted		average
		Options					average		intrinsic		average		remaining
		and SARs		Exercise			exercise		value		fair		contractual
		(in thousands)		price			price		(in thousands)		value		life (in years)
	At December 31, 2013
	Vested and exercisable	579		$	20.25-26.83		$	23.83	$	4,685	$	5.43	3.4
	Unvested	218		21.03-24.87			22.7		2,011		4.36		7.7
	Total outstanding	797		20.25-26.83			23.52		6,696		5.14		4.6
	Granted	60		29.05			29.05		156		5.37
	Exercised	(24	)	20.25-26.83			23.05		190		5.36
	Forfeited	—		—			—		—		—
	At March 31, 2014
	Vested and exercisable	635		20.25-26.83			23.69		5,045		5.33		3.7
	Unvested	198		21.03-29.05			24.72		1,372		4.56		8.4
	Total outstanding	833		20.25-29.05			23.93		$	6,417	5.15		4.8
	Vested year-to-date	80		21.03-24.87			22.49		$	734	4.63
Schedule of restricted common stock activity	'
				Grant date
				weighted-
		Number		average cost
	Unvested at December 31, 2012	113,910		$	22.55
	Shares awarded	55,275		22.93
	Restrictions lapsed and shares released to employees/directors	(39,909	)	22.29
	Shares forfeited	(4,720	)	23.45
	Unvested at December 31, 2013	124,556		$	22.77
	Shares awarded	39,480		29.11
	Restrictions lapsed and shares released to employees/directors	(42,932	)	22.63
	Shares forfeited	(1,081	)	23.55
	Unvested at March 31, 2014	120,023		$	24.9
Schedule of PSU grants	'
		Vesting				Expected
	Grant	period		Fair		shares to
	year	in years		value		be awarded
	2012	3		20.57		22,668
	2013	3		20.38		28,579
	2014	3		26.42		16,675

Net_Income_Per_Share_Tables

Net Income Per Share (Tables)	3 Months Ended
	Mar. 31, 2014
Net Income Per Share	'
Schedule of net income (the numerator) and average shares outstanding (the denominator) for the basic and diluted net income per share computations	'
		Three months ended
		March 31
	(In thousands, except per share data)	2014		2013
	Net income	$	8,177	$	6,768
	Average shares outstanding	14,506		13,814
	Dilutive securities	195		37
	Average shares outstanding including dilutive securities	14,701		13,851
	Net income per share, basic	$	0.56	$	0.49
	Net income per share, diluted	$	0.56	$	0.49

Segments_Tables

Segments (Tables)	3 Months Ended
	Mar. 31, 2014
Segments	'
Summary of selected financial information by business segment	'
				Investment
		Commercial		management
	(in thousands)	banking		and trust		Total
	Three months ended March 31, 2014
	Net interest income	$	20,181	$	47	$	20,228
	Provision for loan losses	350		—		350
	Investment management and trust services	—		4,568		4,568
	All other non-interest income	4,890		17		4,907
	Non-interest expense	14,962		2,582		17,544
	Income before income taxes	9,759		2,050		11,809
	Tax expense	2,903		729		3,632
	Net income	$	6,856	$	1,321	$	8,177
	Three months ended March 31, 2013
	Net interest income	$	18,428	$	35	$	18,463
	Provision for loan losses	2,325		—		2,325
	Investment management and trust services	—		3,886		3,886
	All other non-interest income	5,325		17		5,342
	Non-interest expense	13,590		1,989		15,579
	Income before income taxes	7,838		1,949		9,787
	Tax expense	2,331		688		3,019
	Net income	$	5,507	$	1,261	$	6,768

Income_Taxes_Tables

Income Taxes (Tables)	3 Months Ended
	Mar. 31, 2014
Income Taxes	'
Schedule of analysis of the difference between the statutory and effective tax rates from operations	'
		Three months ended March 31,
		2014		2013
	U.S. federal statutory tax rate	35	%	35	%
	Tax exempt interest income	(1.7	)	(2.1	)
	Tax credits	(1.6	)	(0.7	)
	Cash surrender value of life insurance	(2.0	)	(2.4	)
	State income taxes	1		1
	Other, net	0.1		—
	Effective tax rate	30.8	%	30.8	%

Fair_Value_Measurements_Tables

Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2014
Fair Value Measurements	'
Schedule of the carrying values of assets and liabilities measured at fair value on a recurring basis	'
		Fair value at March 31, 2014
	(in thousands)	Total		Level 1		Level 2		Level 3
	Assets
	Investment securities available for sale
	U.S. Treasury and other U.S. government obligations	$	40,000	$	—	$	40,000	$	—
	Government sponsored enterprise obligations	156,357		—		$	156,357	—
	Mortgage-backed securities - government agencies	173,280		—		173,280		—
	Obligations of states and political subdivisions	69,505		—		69,505		—
	Corporate equity securities	1,042		1,042		—		—
	Total investment securities available for sale	440,184		1,042		439,142		—
	Interest rate swaps	379		—		379		—
	Total assets	$	440,563	$	1,042	$	439,521	$	—
	Liabilities
	Interest rate swaps	$	322	$	—	$	322	$	—
		Fair value at December 31, 2013
	(in thousands)	Total		Level 1		Level 2		Level 3
	Assets
	Investment securities available for sale
	U.S. Treasury and other U.S. government obligations	$	110,000	$	—	$	110,000	$	—
	Government sponsored enterprise obligations	137,845		—		$	137,845	—
	Mortgage-backed securities - government agencies	172,693		—		172,693		—
	Obligations of states and political subdivisions	69,493		—		69,493		—
	Total investment securities available for sale	490,031		—		490,031		—
	Interest rate swaps	299		—		299		—
	Total assets	$	490,330	$	—	$	490,330	$	—
	Liabilities
	Interest rate swaps	$	275	$	—	$	275	$	—
Schedule of the carrying values of assets measured at fair value on a non-recurring basis	'
										Losses for 3 month
		Fair value at March 31, 2014								period ended
	(in thousands)	Total		Level 1		Level 2		Level 3		March 31, 2014
	Impaired loans	$	7,102	$	—	$	—	$	7,102	$	(180	)
										Losses for 3 month
		Fair value at December 31, 2013								period ended
	(in thousands)	Total		Level 1		Level 2		Level 3		March 31, 2013
	Impaired loans	$	9,128	$	—	$	—	$	9,128	$	(928	)

Fair_Value_of_Financial_Instru1

Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2014
Fair Value of Financial Instruments	'
Schedule of carrying amounts, estimated fair values, and placement in the fair value hierarchy of financial instruments not measured at fair value on a recurring or non-recurring basis	'
		Carrying
	(in thousands)	Amount		Fair Value		Level 1		Level 2		Level 3
	March 31, 2014
	Financial assets
	Cash and short-term investments	$	82,954	$	82,954	$	82,954	$	—	$	—
	Mortgage loans held for sale	3,473		3,600		—		3,600		—
	Federal Home Loan Bank stock and other securities	7,347		7,347		—		7,347		—
	Loans, net	1,700,028		1,713,562		—		—		1,713,562
	Accrued interest receivable	5,658		5,658		5,658		—		—
	Financial liabilities
	Deposits	$	1,987,387	$	1,989,147	$	—	$	1,989,147	$	—
	Short-term borrowings	71,184		71,184		—		71,184		—
	FHLB advances	34,288		35,077		—		35,077		—
	Accrued interest payable	125		125		125		—		—
		Carrying
	(in thousands)	Amount		Fair Value		Level 1		Level 2		Level 3
	December 31, 2013
	Financial assets
	Cash and short-term investments	$	70,770	$	70,770	$	70,770	$	—	$	—
	Mortgage loans held for sale	1,757		1,817		—		1,817		—
	Federal Home Loan Bank stock and other securities	7,347		7,347		—		7,347		—
	Loans, net	1,692,828		1,703,291		—		—		1,703,291
	Accrued interest receivable	5,712		5,712		5,712		—		—
	Financial liabilities
	Deposits	$	1,980,937	$	1,983,029	$	—	$	1,983,029	$	—
	Short-term borrowings	117,910		117,910		—		117,910		—
	FHLB advances	34,329		35,166		—		35,166		—
	Accrued interest payable	128		128		128		—		—

Regulatory_Matters_Tables

Regulatory Matters (Tables)	3 Months Ended
	Mar. 31, 2014
Regulatory Matters	'
Schedule of the risk based capital amounts and ratios	'
		Actual				Minimum for adequately				Minimum for well
						capitalized				capitalized
	(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
	March 31, 2014
	Total risk-based capital (1)
	Consolidated	$	258,026	13.72	%	$	150,452	8	%	NA		NA
	Bank	248,296		13.24	%	150,028		8	%	$	187,535	10	%
	Tier I risk-based capital (1)
	Consolidated	$	234,459	12.47	%	$	75,207	4	%	NA		NA
	Bank	224,796		11.99	%	74,994		4	%	$	112,492	6	%
	Leverage (2)
	Consolidated	$	234,459	10	%	$	70,338	3	%	NA		NA
	Bank	224,796		9.61	%	70,176		3	%	$	116,959	5	%
	December 31, 2013
	Total risk-based capital (1)
	Consolidated	$	252,171	13.54	%	$	148,993	8	%	NA		NA
	Bank	239,577		12.9	%	148,575		8	%	$	185,719	10	%
	Tier I risk-based capital (1)
	Consolidated	$	228,827	12.29	%	$	74,476	4	%	NA		NA
	Bank	219,299		11.65	%	75,296		4	%	$	112,944	6	%
	Leverage (2)
	Consolidated	$	228,827	9.75	%	$	70,408	3	%	NA		NA
	Bank	219,299		9.24	%	71,201		3	%	$	118,668	5	%
	(1)                   Ratio is computed in relation to risk-weighted assets.
	(2)                   Ratio is computed in relation to average assets.
	NA — Not applicable.  Regulatory framework does not define well capitalized for holding companies.

Acquisition_Details

Acquisition (Details) (Oldham, USD $)	0 Months Ended	12 Months Ended	3 Months Ended
	Apr. 30, 2013	Dec. 31, 2013	Mar. 31, 2014	Apr. 30, 2013
			Core deposit	Core deposit
Acquisition	'	'	'	'
Percentage of outstanding shares acquired	100.00%	'	'	'
Amount of loans and leases included in assets acquired	$39,800,000	'	'	'
Purchase Price:	'	'	'	'
Cash	8,297,000	'	'	'
Equity instruments (531,288 common shares of Bancorp)	12,198,000	'	'	'
Total purchase price	20,495,000	'	'	'
Common stock converted (in shares)	531,288	'	'	'
Identifiable assets:	'	'	'	'
Cash and federal funds sold	17,260,000	'	'	'
Investment securities	81,827,000	'	'	'
Loans	39,755,000	'	'	'
Premises and equipment	4,008,000	'	'	'
Unamortized core deposit intangible	'	'	2,004,000	2,543,000
Other assets	605,000	'	'	'
Total identifiable assets:	145,998,000	'	'	'
Identifiable liabilities:	'	'	'	'
Deposits	120,435,000	'	'	'
Securities sold under agreement to repurchase	2,762,000	'	'	'
Other liabilities	1,857,000	'	'	'
Total identifiable liabilities	125,054,000	'	'	'
Net gain resulting from acquisition	449,000	'	'	'
Acquisition costs (included in non-interest expenses in Bancorp's income statement for the year ended December 31, 2013)	'	$1,548,000	'	'
Amortization period of intangible assets	'	'	'10 years	'

Acquisition_Details_2

Acquisition (Details 2) (Oldham, USD $)	Mar. 31, 2014
In Thousands, unless otherwise specified
Acquired loans	'
Contractually required principal and interest at acquisition	$41,048
Contractual cash flows not expected to be collected	-1,095
Expected cash flows at acquisition	39,953
Interest component of expected cash flows	-198
Basis in acquired loans at acquisition - estimated fair value	39,755
Acquired impaired loans	'
Acquired loans	'
Contractually required principal and interest at acquisition	3,285
Contractual cash flows not expected to be collected	-372
Expected cash flows at acquisition	2,913
Interest component of expected cash flows	-174
Basis in acquired loans at acquisition - estimated fair value	2,739
Acquired non-impaired loans	'
Acquired loans	'
Contractually required principal and interest at acquisition	37,763
Contractual cash flows not expected to be collected	-723
Expected cash flows at acquisition	37,040
Interest component of expected cash flows	-24
Basis in acquired loans at acquisition - estimated fair value	$37,016

Securities_Details

Securities (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	item	item
Securities available for sale	'	'	'
Securities available for sale, amortized cost	$440,104	'	$493,066
Unrealized gains	5,108	'	4,487
Unrealized losses	5,028	'	7,522
Total securities available for sale, fair value	440,184	'	490,031
Held to maturity securities	0	'	0
Number of securities sold	0	0	'
U.S. Treasury and other U.S. government obligations	'	'	'
Securities available for sale	'	'	'
Securities available for sale, amortized cost	40,000	'	110,000
Total securities available for sale, fair value	40,000	'	110,000
Government sponsored enterprise obligations	'	'	'
Securities available for sale	'	'	'
Securities available for sale, amortized cost	156,246	'	138,094
Unrealized gains	1,665	'	1,623
Unrealized losses	1,554	'	1,872
Total securities available for sale, fair value	156,357	'	137,845
Mortgage-backed securities - government agencies	'	'	'
Securities available for sale	'	'	'
Securities available for sale, amortized cost	175,020	'	176,524
Unrealized gains	1,523	'	1,391
Unrealized losses	3,263	'	5,222
Total securities available for sale, fair value	173,280	'	172,693
Obligations of states and political subdivisions	'	'	'
Securities available for sale	'	'	'
Securities available for sale, amortized cost	68,082	'	68,448
Unrealized gains	1,634	'	1,473
Unrealized losses	211	'	428
Total securities available for sale, fair value	69,505	'	69,493
Corporate equity securities	'	'	'
Securities available for sale	'	'	'
Securities available for sale, amortized cost	756	'	'
Unrealized gains	286	'	'
Total securities available for sale, fair value	$1,042	'	'

Securities_Details_2

Securities (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Securities available for sale, Amortized cost	'	'
Due within 1 year	$67,648,000	'
Due after 1 but within 5 years	127,055,000	'
Due after 5 but within 10 years	32,945,000	'
Due after 10 years	36,680,000	'
Mortgage-backed securities	175,020,000	'
Corporate equity securities	756,000	'
Total securities available for sale	440,104,000	493,066,000
Securities available for sale, Fair value	'	'
Due within 1 year	67,833,000	'
Due after 1 but within 5 years	128,435,000	'
Due after 5 but within 10 years	33,531,000	'
Due after 10 years	36,063,000	'
Mortgage-backed securities	173,280,000	'
Corporate equity securities	1,042,000	'
Total securities available for sale, fair value	440,184,000	490,031,000
Carrying value of securities pledged to secure accounts of commercial depositors	$201,500,000	$243,500,000

Securities_Details_3

Securities (Details 3) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified	item	item
Fair value	'	'
Less than 12 months	$178,999	$211,499
12 months or more	24,186	14,316
Total	203,185	225,815
Unrealized losses	'	'
Less than 12 months	3,436	6,234
12 months or more	1,592	1,288
Total	5,028	7,522
Number of securities	123	155
Government sponsored enterprise obligations	'	'
Fair value	'	'
Less than 12 months	77,580	76,755
12 months or more	4,402	4,353
Total	81,982	81,108
Unrealized losses	'	'
Less than 12 months	1,161	1,429
12 months or more	393	443
Total	1,554	1,872
Mortgage-backed securities - government agencies	'	'
Fair value	'	'
Less than 12 months	85,985	112,652
12 months or more	17,691	8,752
Total	103,676	121,404
Unrealized losses	'	'
Less than 12 months	2,089	4,400
12 months or more	1,174	822
Total	3,263	5,222
Obligations of states and political subdivisions	'	'
Fair value	'	'
Less than 12 months	15,434	22,092
12 months or more	2,093	1,211
Total	17,527	23,303
Unrealized losses	'	'
Less than 12 months	186	405
12 months or more	25	23
Total	$211	$428

Loans_Details

Loans (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Composition of loans by primary loan classification	'	'
Loans	$1,728,619	$1,721,350
Commercial and industrial	'	'
Composition of loans by primary loan classification	'	'
Loans	511,247	510,739
Construction and development excluding undeveloped land	'	'
Composition of loans by primary loan classification	'	'
Loans	88,108	99,719
Undeveloped land	'	'
Composition of loans by primary loan classification	'	'
Loans	29,209	29,871
Real estate mortgage	'	'
Composition of loans by primary loan classification	'	'
Loans	1,066,595	1,046,823
Consumer	'	'
Composition of loans by primary loan classification	'	'
Loans	$33,460	$34,198

Loans_Details_2

Loans (Details 2) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Balance in the recorded investment in loans and allowance for loan losses by portfolio segment and based on impairment method	'	'
Loans	$1,728,619	$1,721,350
Loans individually evaluated for impairment	20,022	22,507
Loans collectively evaluated for impairment	1,706,389	1,696,413
Loans acquired with deteriorated credit quality	2,208	2,430
Allowance for loan losses	'	'
Balance at the beginning of the period	28,522	31,881
Provision	350	6,550
Charge-offs	-519	-11,964
Recoveries	238	2,055
Balance at the end of the period	28,591	28,522
Allowance for loans individually evaluated for impairment	1,267	1,452
Allowance for loans collectively evaluated for impairment	27,324	27,070
Commercial and industrial	'	'
Balance in the recorded investment in loans and allowance for loan losses by portfolio segment and based on impairment method	'	'
Loans	511,247	510,739
Loans individually evaluated for impairment	7,653	7,579
Loans collectively evaluated for impairment	502,967	502,535
Loans acquired with deteriorated credit quality	627	625
Allowance for loan losses	'	'
Balance at the beginning of the period	7,644	5,949
Provision	-145	1,583
Charge-offs	'	-457
Recoveries	9	569
Balance at the end of the period	7,508	7,644
Allowance for loans individually evaluated for impairment	746	762
Allowance for loans collectively evaluated for impairment	6,762	6,882
Construction and development excluding undeveloped land	'	'
Balance in the recorded investment in loans and allowance for loan losses by portfolio segment and based on impairment method	'	'
Loans	88,108	99,719
Loans individually evaluated for impairment	26	26
Loans collectively evaluated for impairment	87,021	98,428
Loans acquired with deteriorated credit quality	1,061	1,265
Allowance for loan losses	'	'
Balance at the beginning of the period	2,555	4,536
Provision	-628	-2,119
Charge-offs	'	-25
Recoveries	'	163
Balance at the end of the period	1,927	2,555
Allowance for loans collectively evaluated for impairment	1,927	2,555
Undeveloped land	'	'
Balance in the recorded investment in loans and allowance for loan losses by portfolio segment and based on impairment method	'	'
Loans	29,209	29,871
Loans individually evaluated for impairment	6,988	7,340
Loans collectively evaluated for impairment	22,221	22,531
Allowance for loan losses	'	'
Balance at the beginning of the period	5,376	'
Provision	925	13,256
Charge-offs	-30	-7,961
Recoveries	31	81
Balance at the end of the period	6,302	5,376
Allowance for loans collectively evaluated for impairment	6,302	5,376
Real estate mortgage	'	'
Balance in the recorded investment in loans and allowance for loan losses by portfolio segment and based on impairment method	'	'
Loans	1,066,595	1,046,823
Loans individually evaluated for impairment	5,273	7,478
Loans collectively evaluated for impairment	1,060,820	1,038,824
Loans acquired with deteriorated credit quality	502	521
Allowance for loan losses	'	'
Balance at the beginning of the period	12,604	14,288
Provision	185	490
Charge-offs	-294	-2,758
Recoveries	20	584
Balance at the end of the period	12,515	12,604
Allowance for loans individually evaluated for impairment	439	606
Allowance for loans collectively evaluated for impairment	12,076	11,998
Consumer	'	'
Balance in the recorded investment in loans and allowance for loan losses by portfolio segment and based on impairment method	'	'
Loans	33,460	34,198
Loans individually evaluated for impairment	82	84
Loans collectively evaluated for impairment	33,360	34,095
Loans acquired with deteriorated credit quality	18	19
Allowance for loan losses	'	'
Balance at the beginning of the period	343	362
Provision	13	86
Charge-offs	-195	-763
Recoveries	178	658
Balance at the end of the period	339	343
Allowance for loans individually evaluated for impairment	82	84
Allowance for loans collectively evaluated for impairment	257	259
Unallocated	'	'
Allowance for loan losses	'	'
Balance at the beginning of the period	'	6,746
Provision	'	($6,746)

Loans_Details_3

Loans (Details 3) (Acquired impaired loans, USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Changes in accretable discount related to credit impaired acquired loans	'	'
Balance at the beginning of period	$137	'
Accretion	-28	-37
Balance at the end of period	109	137
Oldham	'	'
Changes in accretable discount related to credit impaired acquired loans	'	'
Additions due to acquisition	'	$174

Loans_Details_4

Loans (Details 4) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Recorded investment	'	'
Loans with no related allowance recorded	$11,654	$11,927
Loans with an allowance recorded	8,368	10,580
Total	20,022	22,507
Unpaid principal balance	'	'
Loans with no related allowance recorded	15,299	16,126
Loans with an allowance recorded	8,368	10,898
Total	23,667	27,024
Related allowance	1,267	1,452
Average recorded investment	'	'
Loans with no related allowance recorded	11,791	13,387
Loans with an allowance recorded	9,474	14,956
Total	21,265	28,343
Additional disclosure	'	'
Loans past due more than 90 days or more and still accruing interest	439	437
Recorded investment in non-accrual loans	12,741	15,258
Commercial and industrial	'	'
Recorded investment	'	'
Loans with no related allowance recorded	1,244	830
Loans with an allowance recorded	6,409	6,749
Total	7,653	7,579
Unpaid principal balance	'	'
Loans with no related allowance recorded	1,387	974
Loans with an allowance recorded	6,409	6,749
Total	7,796	7,723
Related allowance	746	762
Average recorded investment	'	'
Loans with no related allowance recorded	1,037	4,499
Loans with an allowance recorded	6,579	3,806
Total	7,616	8,305
Additional disclosure	'	'
Loans past due more than 90 days or more and still accruing interest	33	421
Recorded investment in non-accrual loans	884	846
Construction and development excluding undeveloped land	'	'
Recorded investment	'	'
Loans with no related allowance recorded	26	26
Total	26	26
Unpaid principal balance	'	'
Loans with no related allowance recorded	151	151
Total	151	151
Average recorded investment	'	'
Loans with no related allowance recorded	26	54
Loans with an allowance recorded	'	259
Total	26	313
Additional disclosure	'	'
Recorded investment in non-accrual loans	26	26
Undeveloped land	'	'
Recorded investment	'	'
Loans with no related allowance recorded	6,988	7,340
Total	6,988	7,340
Unpaid principal balance	'	'
Loans with no related allowance recorded	9,675	9,932
Total	9,675	9,932
Average recorded investment	'	'
Loans with no related allowance recorded	7,164	3,272
Loans with an allowance recorded	'	7,152
Total	7,164	10,424
Additional disclosure	'	'
Recorded investment in non-accrual loans	6,988	7,340
Real estate mortgage	'	'
Recorded investment	'	'
Loans with no related allowance recorded	3,396	3,731
Loans with an allowance recorded	1,877	3,747
Total	5,273	7,478
Unpaid principal balance	'	'
Loans with no related allowance recorded	4,086	5,069
Loans with an allowance recorded	1,877	4,065
Total	5,963	9,134
Related allowance	439	606
Average recorded investment	'	'
Loans with no related allowance recorded	3,564	5,559
Loans with an allowance recorded	2,812	3,705
Total	6,376	9,264
Additional disclosure	'	'
Loans past due more than 90 days or more and still accruing interest	406	16
Recorded investment in non-accrual loans	4,843	7,046
Consumer	'	'
Recorded investment	'	'
Loans with an allowance recorded	82	84
Total	82	84
Unpaid principal balance	'	'
Loans with an allowance recorded	82	84
Total	82	84
Related allowance	82	84
Average recorded investment	'	'
Loans with no related allowance recorded	'	3
Loans with an allowance recorded	83	34
Total	$83	$37

Loans_Details_5

Loans (Details 5) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
	item
Loans	'	'
Loans classified as TDR	$7,300,000	$7,200,000
Recorded investment in loans accounted for as TDR that were restructured and experienced a payment default	'	'
Number of contracts	1	'
Recorded Investment	790,000	'
Total related allowance allocation for TDRs individually evaluated for impairment	937,000	942,000
Outstanding commitments to lend additional funds to borrowers with loans classified as troubled debt restructurings	111,000	262,000
Commercial and industrial	'	'
Recorded investment in loans accounted for as TDR that were restructured and experienced a payment default	'	'
Number of contracts	1	'
Recorded Investment	$790,000	'

Loans_Details_6

Loans (Details 6) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Aging of the recorded investment in past due loans	'	'
30-59 days past due	$8,841	$5,876
60-89 days past due	2,620	1,381
Greater than 90 days past due (includes non-accrual)	13,180	15,696
Total past due	24,641	22,953
Current	1,703,978	1,698,397
Total loans	1,728,619	1,721,350
Recorded investment greater than 90 days and accruing	439	437
Commercial and industrial	'	'
Aging of the recorded investment in past due loans	'	'
30-59 days past due	415	808
60-89 days past due	379	201
Greater than 90 days past due (includes non-accrual)	917	1,268
Total past due	1,711	2,277
Current	509,536	508,462
Total loans	511,247	510,739
Recorded investment greater than 90 days and accruing	33	421
Construction and development excluding undeveloped land	'	'
Aging of the recorded investment in past due loans	'	'
30-59 days past due	244	429
Greater than 90 days past due (includes non-accrual)	26	26
Total past due	270	455
Current	87,838	99,264
Total loans	88,108	99,719
Undeveloped land	'	'
Aging of the recorded investment in past due loans	'	'
Greater than 90 days past due (includes non-accrual)	6,988	7,340
Total past due	6,988	7,340
Current	22,221	22,531
Total loans	29,209	29,871
Real estate mortgage	'	'
Aging of the recorded investment in past due loans	'	'
30-59 days past due	8,077	4,529
60-89 days past due	2,199	1,180
Greater than 90 days past due (includes non-accrual)	5,249	7,062
Total past due	15,525	12,771
Current	1,051,070	1,034,052
Total loans	1,066,595	1,046,823
Recorded investment greater than 90 days and accruing	406	16
Consumer	'	'
Aging of the recorded investment in past due loans	'	'
30-59 days past due	105	110
60-89 days past due	42	'
Total past due	147	110
Current	33,313	34,088
Total loans	$33,460	$34,198

Loans_Details_7

Loans (Details 7) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Credit risk profile by internally assigned grade	'	'
Loans	$1,728,619	$1,721,350
Pass	'	'
Credit risk profile by internally assigned grade	'	'
Loans	1,665,413	1,644,646
Special mention	'	'
Credit risk profile by internally assigned grade	'	'
Loans	28,769	38,076
Substandard	'	'
Credit risk profile by internally assigned grade	'	'
Loans	12,616	15,684
Substandard non-performing	'	'
Credit risk profile by internally assigned grade	'	'
Loans	21,821	22,944
Commercial and industrial	'	'
Credit risk profile by internally assigned grade	'	'
Loans	511,247	510,739
Commercial and industrial | Pass	'	'
Credit risk profile by internally assigned grade	'	'
Loans	492,970	486,140
Commercial and industrial | Special mention	'	'
Credit risk profile by internally assigned grade	'	'
Loans	7,104	12,983
Commercial and industrial | Substandard	'	'
Credit risk profile by internally assigned grade	'	'
Loans	3,025	3,616
Commercial and industrial | Substandard non-performing	'	'
Credit risk profile by internally assigned grade	'	'
Loans	8,148	8,000
Construction and development excluding undeveloped land	'	'
Credit risk profile by internally assigned grade	'	'
Loans	88,108	99,719
Construction and development excluding undeveloped land | Pass	'	'
Credit risk profile by internally assigned grade	'	'
Loans	77,048	87,896
Construction and development excluding undeveloped land | Special mention	'	'
Credit risk profile by internally assigned grade	'	'
Loans	5,944	7,091
Construction and development excluding undeveloped land | Substandard	'	'
Credit risk profile by internally assigned grade	'	'
Loans	4,682	4,706
Construction and development excluding undeveloped land | Substandard non-performing	'	'
Credit risk profile by internally assigned grade	'	'
Loans	434	26
Undeveloped land	'	'
Credit risk profile by internally assigned grade	'	'
Loans	29,209	29,871
Undeveloped land | Pass	'	'
Credit risk profile by internally assigned grade	'	'
Loans	21,517	22,366
Undeveloped land | Special mention	'	'
Credit risk profile by internally assigned grade	'	'
Loans	540	'
Undeveloped land | Substandard	'	'
Credit risk profile by internally assigned grade	'	'
Loans	164	165
Undeveloped land | Substandard non-performing	'	'
Credit risk profile by internally assigned grade	'	'
Loans	6,988	7,340
Real estate mortgage	'	'
Credit risk profile by internally assigned grade	'	'
Loans	1,066,595	1,046,823
Real estate mortgage | Pass	'	'
Credit risk profile by internally assigned grade	'	'
Loans	1,040,582	1,014,216
Real estate mortgage | Special mention	'	'
Credit risk profile by internally assigned grade	'	'
Loans	15,099	17,916
Real estate mortgage | Substandard	'	'
Credit risk profile by internally assigned grade	'	'
Loans	4,745	7,197
Real estate mortgage | Substandard non-performing	'	'
Credit risk profile by internally assigned grade	'	'
Loans	6,169	7,494
Consumer	'	'
Credit risk profile by internally assigned grade	'	'
Loans	33,460	34,198
Consumer | Pass	'	'
Credit risk profile by internally assigned grade	'	'
Loans	33,296	34,028
Consumer | Special mention	'	'
Credit risk profile by internally assigned grade	'	'
Loans	82	86
Consumer | Substandard non-performing	'	'
Credit risk profile by internally assigned grade	'	'
Loans	$82	$84

Federal_Home_Loan_Bank_Advance2

Federal Home Loan Bank Advances (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
	item
Federal Home Loan Bank Advances	'	'
Federal Home Loan Bank advances	$34,288,000	$34,329,000
Separate advances	7	'
Number of separate advances with principal amount due at maturity	2	'
Amount of separate advances with principal amount due at maturity	30,000,000	'
Amount of remaining advances with principal paid monthly	4,300,000	'
Advance	'	'
2014	10,000,000	10,000,000
2015	20,000,000	20,000,000
2020	1,919,000	1,931,000
2021	548,000	564,000
2024	405,000	408,000
2028	1,416,000	1,426,000
Total	34,288,000	34,329,000
Rate (as a percent)	'	'
2014	0.21%	0.21%
2015	3.34%	3.34%
2020	2.23%	2.23%
2021	2.12%	2.12%
2024	2.40%	2.40%
2028	1.47%	1.46%
Total	2.26%	2.26%
Amount of available credit from the FHLB	$370,400,000	'

Derivative_Financial_Instrumen2

Derivative Financial Instruments (Details) (Undesignated, USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Receiving	'	'
Derivative financial instruments	'	'
Notional amount	$7,706	$5,159
Weighted average maturity	'7 years 4 months 24 days	'6 years 4 months 24 days
Fair value	-322	-275
Paying	'	'
Derivative financial instruments	'	'
Notional amount	7,706	5,159
Weighted average maturity	'7 years 4 months 24 days	'6 years 4 months 24 days
Fair value	$322	$275

Derivative_Financial_Instrumen3

Derivative Financial Instruments (Details 2) (Designated as hedges, USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Interest rate swap	'	'
Derivative financial instruments	'	'
Notional amount	10,000	10,000
Fair value of asset	57	24
Receive (variable) index	'	'
Derivative financial instruments	'	'
Receive (variable) index	'US 3 Month LIBOR	'US 3 Month LIBOR
Pay fixed swap rate	'	'
Derivative financial instruments	'	'
Pay fixed swap rate (as a percent)	0.72%	0.72%

Goodwill_and_Intangible_Assets2

Goodwill and Intangible Assets (Details) (Indiana bank, Commercial banking, USD $)	Mar. 31, 2014
Indiana bank | Commercial banking	'
Goodwill and Intangible Assets	'
Goodwill	$682,000

Goodwill_and_Intangible_Assets3

Goodwill and Intangible Assets (Details 2) (USD $)	3 Months Ended			3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013	Mar. 31, 2014	Apr. 30, 2013
				Oldham	Oldham
				Core deposit	Core deposit
Goodwill and Intangible Assets	'	'	'	'	'
Intangible assets recorded on acquisition	'	'	'	$2,004,000	$2,543,000
Amortization period of intangible assets	'	'	'	'10 years	'
Unamortized intangible	'	'	'	2,004,000	'
Estimated fair value of MSRs	3,124,000	'	3,953,000	'	'
Total outstanding principal balances of loans serviced for others	434,930,000	'	435,339,000	'	'
Changes in net carrying amount of finite-lived intangible MSRs	'	'	'	'	'
Balance at beginning of period	1,832,000	2,088,000	'	'	'
Additions for mortgage loans sold	80,000	284,000	'	'	'
Amortization	-233,000	-234,000	'	'	'
Balance at end of period	$1,679,000	$2,138,000	'	'	'

Defined_Benefit_Retirement_Pla1

Defined Benefit Retirement Plan (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
	item
Defined Benefit Retirement Plan	'	'
Number of officers for whom unfunded, non-qualified, defined benefit retirement plan is sponsored	4	'
Number of current officers for whom unfunded, non-qualified, defined benefit retirement plan is sponsored	2	'
Number of retired officers for whom unfunded, non-qualified, defined benefit retirement plan is sponsored	2	'
Benefits vesting period	'25 years	'
Net periodic benefits costs, which include interest cost and amortization of net losses	$32,000	$36,000

Commitments_and_Contingent_Lia1

Commitments and Contingent Liabilities (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2014	Mar. 31, 2014
In Millions, unless otherwise specified	Commitments to extend credit and standby letters of credit	Commitments to extend credit and standby letters of credit	Standby letters of credit	Standby letters of credit	Standby letters of credit	Standby letters of credit
					Minimum	Maximum
Commitments and contingent liabilities	'	'	'	'	'	'
The amount of commitments made by the entity	$459.20	$469.50	$13.80	$15.20	'	'
Term of the guarantee agreements	'	'	'	'	'1 year	'2 years

Preferred_Stock_Details

Preferred Stock (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Preferred Stock	'	'
Preferred stock, par value (in dollars per share)	$0	'
Preferred stock, shares authorized	1,000,000	1,000,000
Preferred stock, shares issued	0	0

StockBased_Compensation_Detail

Stock-Based Compensation (Details) (USD $)	3 Months Ended		12 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2010	Dec. 31, 2005
	plan
Stock-Based Compensation	'	'	'	'
Number of stock-based compensation plans	1	'	'	'
Number of shares reserved under the plan	'	'	'	735,000
Number of additional shares authorized under the plan	'	'	700,000	'
Number of shares available for future awards	423,424	'	'	'
Stock-based compensation	'	'	'	'
Stock-based compensation expense before income taxes	$290,000	$531,000	'	'
Less: deferred tax benefit	-102,000	-186,000	'	'
Reduction of net income	188,000	345,000	'	'
Additional expected stock-based compensation expense	1,469,000	'	'	'
Unrecognized stock-based compensation expense	4,664,000	'	'	'
Period of recognition of stock-based compensation expense	'5 years	'	'	'
Amount received from exercise of options	463,000	61,000	'	'
Options and stock appreciation rights (SARs)	'	'	'	'
Stock-based compensation	'	'	'	'
Award vesting limit per year (as a percent)	20.00%	'	'	'
Period after grant date after which the award expires	'10 years	'	'	'
Stock options granted since 2007	$0	'	'	'
Assumptions used in SAR/Option valuations	'	'	'	'
Dividend yield (as a percent)	2.94%	2.80%	'	'
Expected volatility (as a percent)	23.66%	22.54%	'	'
Risk free interest rate (as a percent)	2.22%	1.26%	'	'
Expected life of awards	'7 years	'6 years 7 months 6 days	'	'
Restricted stock | Minimum	'	'	'	'
Stock-based compensation	'	'	'	'
Award vesting period	'3 years	'	'	'
Restricted stock | Maximum	'	'	'	'
Stock-based compensation	'	'	'	'
Award vesting period	'5 years	'	'	'

StockBased_Compensation_Detail1

Stock-Based Compensation (Details 2) (USD $)	3 Months Ended	12 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Vested and exercisable | Minimum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$20.25	$20.25
Vested and exercisable | Maximum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$26.83	$26.83
Unvested | Minimum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$21.03	$21.03
Unvested | Maximum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$29.05	$24.87
Outstanding | Minimum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$20.25	$20.25
Outstanding | Maximum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$29.05	$26.83
Granted	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$29.05	'
Exercised | Minimum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$20.25	'
Exercised | Maximum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$26.83	'
Vested year-to-date | Minimum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$21.03	'
Vested year-to-date | Maximum	'	'
Exercise price per share	'	'
Exercise price per share (in dollars per share)	$24.87	'
Options and SARs	'	'
Options and SARs	'	'
Vested and exercisable at the beginning of the period (in shares)	579	'
Unvested at the beginning of the period (in shares)	218	'
Total outstanding at the beginning of the period (in shares)	797	'
Granted (in shares)	60	'
Exercised (in shares)	-24	'
Vested and exercisable at the end of the period (in shares)	635	579
Unvested at the end of the period (in shares)	198	218
Total outstanding at the end of the period (in shares)	833	797
Vested year-to-date (in shares)	80	'
Weighted average exercise price	'	'
Vested and exercisable at the beginning of the period (in dollars per share)	$23.83	'
Unvested at the beginning of the period (in dollars per share)	$22.70	'
Total outstanding at the beginning of the period (in dollars per share)	$23.52	'
Granted (in dollars per share)	$29.05	'
Exercised (in dollars per share)	$23.05	'
Vested and exercisable at the end of the period (in dollars per share)	$23.69	$23.83
Unvested at the end of the period (in dollars per share)	$24.72	$22.70
Total outstanding at the end of the period (in dollars per share)	$23.93	$23.52
Vested during year (in dollars per share)	$22.49	'
Aggregate intrinsic value	'	'
Vested and exercisable at the beginning of the period (in dollars)	$4,685	'
Unvested at the beginning of the period (in dollars)	2,011	'
Total outstanding at the beginning of the period (in dollars)	6,696	'
Granted (in dollars)	156	'
Exercised (in dollars)	190	'
Vested and exercisable at the end of the period (in dollars)	5,045	4,685
Unvested at the end of the period (in dollars)	1,372	2,011
Total outstanding at the end of the period (in dollars)	6,417	6,696
Vested during year (in dollars)	$734	'
Weighted average fair value	'	'
Vested and exercisable at the beginning of the period (in dollars per share)	$5.43	'
Unvested at the beginning of the period (in dollars per share)	$4.36	'
Total outstanding at the beginning of the period (in dollars per share)	$5.14	'
Granted (in dollars per share)	$5.37	'
Exercised (in dollars per share)	$5.36	'
Vested and exercisable at the end of the period (in dollars per share)	$5.33	$5.43
Unvested at the end of the period (in dollars per share)	$4.56	$4.36
Total outstanding at the end of the period (in dollars per share)	$5.15	$5.14
Vested during year (in dollars per share)	$4.63	'
Weighted average remaining contractual life	'	'
Vested and exercisable	'3 years 8 months 12 days	'3 years 4 months 24 days
Unvested	'8 years 4 months 24 days	'7 years 8 months 12 days
Total outstanding	'4 years 9 months 18 days	'4 years 7 months 6 days

StockBased_Compensation_Detail2

Stock-Based Compensation (Details 3) (Restricted stock, USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013
Restricted stock	'	'
Number	'	'
Unvested at the beginning of the period (in shares)	124,556	113,910
Shares awarded (in shares)	39,480	55,275
Restrictions lapsed and shares released to employees/directors (in shares)	-42,932	-39,909
Shares forfeited (in shares)	-1,081	-4,720
Unvested at the end of the period (in shares)	120,023	124,556
Grant date weighted-average cost	'	'
Unvested at the beginning of the period (in dollars per share)	$22.77	$22.55
Fair value of awards granted (in dollars per share)	$29.11	$22.93
Restrictions lapsed and shares released to employees/directors (in dollars per share)	$22.63	$22.29
Shares forfeited (in dollars per share)	$23.55	$23.45
Unvested at the end of the period (in dollars per share)	$24.90	$22.77

StockBased_Compensation_Detail3

Stock-Based Compensation (Details 4) (USD $)	3 Months Ended	12 Months Ended
	Mar. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Stock-based compensation	'	'	'
Expected shares to be awarded	423,424	'	'
Restricted stock units (RSUs) | Directors	'	'	'
Stock-based compensation	'	'	'
Vesting period	'1 year	'	'
Shares awarded (in shares)	3,920	'	'
Performance-based restricted stock units | Executive Officer	'	'	'
Stock-based compensation	'	'	'
Performance period	'3 years	'	'
Vesting period	'3 years	'3 years	'3 years
Fair value of awards granted (in dollars per share)	$26.42	$20.38	$20.57
Expected shares to be awarded	16,675	28,579	22,668

Net_Income_Per_Share_Details

Net Income Per Share (Details) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Net Income Per Share	'	'
Net income	$8,177	$6,768
Average shares outstanding	14,506	13,814
Dilutive securities (in shares)	195	37
Average shares outstanding including dilutive securities	14,701	13,851
Net income per share, basic (in dollars per share)	$0.56	$0.49
Net income per share, diluted (in dollars per share)	$0.56	$0.49

Segments_Details

Segments (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Selected financial information by business segment	'	'
Net interest income	$20,228	$18,463
Provision for loan losses	350	2,325
Investment management and trust services	4,568	3,886
All other non-interest income	4,907	5,342
Non-interest expense	17,544	15,579
Income before income taxes	11,809	9,787
Tax expense	3,632	3,019
Net income	8,177	6,768
Operating Segments | Commercial banking	'	'
Selected financial information by business segment	'	'
Net interest income	20,181	18,428
Provision for loan losses	350	2,325
All other non-interest income	4,890	5,325
Non-interest expense	14,962	13,590
Income before income taxes	9,759	7,838
Tax expense	2,903	2,331
Net income	6,856	5,507
Operating Segments | Investment management and trust	'	'
Selected financial information by business segment	'	'
Net interest income	47	35
Investment management and trust services	4,568	3,886
All other non-interest income	17	17
Non-interest expense	2,582	1,989
Income before income taxes	2,050	1,949
Tax expense	729	688
Net income	$1,321	$1,261

Income_Taxes_Details

Income Taxes (Details)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Analysis of the difference between the statutory and effective tax rates from operations	'	'
U.S. federal statutory tax rate (as a percent)	35.00%	35.00%
Tax exempt interest income (as a percent)	-1.70%	-2.10%
Tax credits (as a percent)	-1.60%	-0.70%
Cash surrender value of life insurance (as a percent)	-2.00%	-2.40%
State income taxes (as a percent)	1.00%	1.00%
Other, net (as a percent)	0.10%	'
Effective tax rate (as a percent)	30.80%	30.80%

Income_Taxes_Details_2

Income Taxes (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
Income Taxes	'	'
Gross amount of unrecognized tax benefits	$43,000	$41,000
Amount accrued for the potential payment of interest and penalties	$3,000	$2,000

Fair_Value_Measurements_Detail

Fair Value Measurements (Details) (USD $)

3 Months Ended

3 Months Ended

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2014

Mar. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

Mar. 31, 2014

Dec. 31, 2013

U.S. Treasury and other U.S. government obligations

U.S. Treasury and other U.S. government obligations

Government sponsored enterprise obligations

Government sponsored enterprise obligations

Mortgage-backed securities - government agencies

Mortgage-backed securities - government agencies

Obligations of states and political subdivisions

Obligations of states and political subdivisions

Corporate equity securities

Mortgage Servicing Rights (MSR)

Mortgage Servicing Rights (MSR)

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Non-recurring basis

Non-recurring basis

Non-recurring basis

Non-recurring basis

Non-recurring basis

Non-recurring basis

Fair value

Fair value

Level 1

Level 2

Level 2

U.S. Treasury and other U.S. government obligations

U.S. Treasury and other U.S. government obligations

U.S. Treasury and other U.S. government obligations

U.S. Treasury and other U.S. government obligations

Government sponsored enterprise obligations

Government sponsored enterprise obligations

Government sponsored enterprise obligations

Government sponsored enterprise obligations

Mortgage-backed securities - government agencies

Mortgage-backed securities - government agencies

Mortgage-backed securities - government agencies

Mortgage-backed securities - government agencies

Obligations of states and political subdivisions

Obligations of states and political subdivisions

Obligations of states and political subdivisions

Obligations of states and political subdivisions

Corporate equity securities

Corporate equity securities

Fair value

Fair value

Level 3

Level 3

Fair value

Fair value

Level 2

Level 2

Fair value

Fair value

Level 2

Level 2

Fair value

Fair value

Level 2

Level 2

Fair value

Fair value

Level 2

Level 2

Fair value

Level 1

Assets

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'

'

Investment securities available for sale

$440,184,000

$490,031,000

$40,000,000

$110,000,000

$156,357,000

$137,845,000

$173,280,000

$172,693,000

$69,505,000

$69,493,000

$1,042,000

'

'

$440,184,000

$490,031,000

$1,042,000

$439,142,000

$490,031,000

$40,000,000

$110,000,000

$40,000,000

$110,000,000

$156,357,000

$137,845,000

$156,357,000

$137,845,000

$173,280,000

$172,693,000

$173,280,000

$172,693,000

$69,505,000

$69,493,000

$69,505,000

$69,493,000

$1,042,000

$1,042,000

'

'

'

'

'

'

Interest rate swaps

'

'

'

'

'

'

'

'

'

'

'

'

'

379,000

299,000

'

379,000

299,000

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Total assets

'

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'

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'

'

'

440,563,000

490,330,000

1,042,000

439,521,000

490,330,000

'

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Liabilities

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'

'

'

'

'

'

'

'

'

'

'

'

'

Interest rate swaps

'

'

'

'

'

'

'

'

'

'

'

'

'

322,000

275,000

'

322,000

275,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Fair Value Measurements

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Other real estate owned

2,933,000

5,590,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Impaired loans with a valuation allowance

8,368,000

10,580,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Amount of valuation allowance

1,267,000

1,452,000

'

'

'

'

'

'

'

'

'

0

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Impaired loans

7,100,000

9,100,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

7,102,000

9,128,000

7,102,000

9,128,000

Losses

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

-180,000

-928,000

'

'

'

'

Level 1 to Level 2 transfer, assets

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Level 2 to Level 1 transfer, assets

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Level 1 to Level 2 transfer, liabilities

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Level 2 to Level 1 transfer, liabilities

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Transfers into/out of Level 3, assets

0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Transfers into/out of Level 3, liabilities

$0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Fair_Value_of_Financial_Instru2

Fair Value of Financial Instruments (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Financial assets	'	'
Accrued interest receivable	$5,658	$5,712
Financial liabilities	'	'
Accrued interest payable	125	128
Level 1	'	'
Financial assets	'	'
Cash and short-term investments	82,954	70,770
Accrued interest receivable	5,658	5,712
Financial liabilities	'	'
Accrued interest payable	125	128
Level 2	'	'
Financial assets	'	'
Mortgage loans held for sale	3,600	1,817
Federal Home Loan Bank stock and other securities	7,347	7,347
Financial liabilities	'	'
Deposits	1,989,147	1,983,029
Short-term borrowings	71,184	117,910
FHLB advances	35,077	35,166
Level 3	'	'
Financial assets	'	'
Loans, net	1,713,562	1,703,291
Carrying amount	'	'
Financial assets	'	'
Cash and short-term investments	82,954	70,770
Mortgage loans held for sale	3,473	1,757
Federal Home Loan Bank stock and other securities	7,347	7,347
Loans, net	1,700,028	1,692,828
Accrued interest receivable	5,658	5,712
Financial liabilities	'	'
Deposits	1,987,387	1,980,937
Short-term borrowings	71,184	117,910
FHLB advances	34,288	34,329
Accrued interest payable	125	128
Fair value	'	'
Financial assets	'	'
Cash and short-term investments	82,954	70,770
Mortgage loans held for sale	3,600	1,817
Federal Home Loan Bank stock and other securities	7,347	7,347
Loans, net	1,713,562	1,703,291
Accrued interest receivable	5,658	5,712
Financial liabilities	'	'
Deposits	1,989,147	1,983,029
Short-term borrowings	71,184	117,910
FHLB advances	35,077	35,166
Accrued interest payable	$125	$128

Regulatory_Matters_Details

Regulatory Matters (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Total risk-based capital	'	'
Actual Amount	$258,026	$252,171
Actual Ratio (as a percent)	13.72%	13.54%
Minimum for adequately capitalized Amount	150,452	148,993
Minimum for adequately capitalized Ratio (as a percent)	8.00%	8.00%
Tier I risk-based capital	'	'
Actual Amount	234,459	228,827
Actual Ratio (as a percent)	12.47%	12.29%
Minimum for adequately capitalized Amount	75,207	74,476
Minimum for adequately capitalized Ratio (as a percent)	4.00%	4.00%
Leverage	'	'
Actual Amount	234,459	228,827
Actual Ratio (as a percent)	10.00%	9.75%
Minimum for adequately capitalized Amount	70,338	70,408
Minimum for adequately capitalized Ratio (as a percent)	3.00%	3.00%
Bank	'	'
Total risk-based capital	'	'
Actual Amount	248,296	239,577
Actual Ratio (as a percent)	13.24%	12.90%
Minimum for adequately capitalized Amount	150,028	148,575
Minimum for adequately capitalized Ratio (as a percent)	8.00%	8.00%
Minimum for well capitalized Amount	187,535	185,719
Minimum for well capitalized Ratio (as a percent)	10.00%	10.00%
Tier I risk-based capital	'	'
Actual Amount	224,796	219,299
Actual Ratio (as a percent)	11.99%	11.65%
Minimum for adequately capitalized Amount	74,994	75,296
Minimum for adequately capitalized Ratio (as a percent)	4.00%	4.00%
Minimum for well capitalized Amount	112,492	112,944
Minimum for well capitalized Ratio (as a percent)	6.00%	6.00%
Leverage	'	'
Actual Amount	224,796	219,299
Actual Ratio (as a percent)	9.61%	9.24%
Minimum for adequately capitalized Amount	70,176	71,201
Minimum for adequately capitalized Ratio (as a percent)	3.00%	3.00%
Minimum for well capitalized Amount	$116,959	$118,668
Minimum for well capitalized Ratio (as a percent)	5.00%	5.00%