Republic Bancorp (RBCAA) 10-Q 9 May 14 2014 Q1 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	3 Months Ended
	Mar. 31, 2014	Apr. 30, 2014	Apr. 30, 2014
		Class A Common Stock	Class B Common Stock
Entity Registrant Name	'REPUBLIC BANCORP INC /KY/	'	'
Entity Central Index Key	'0000921557	'	'
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	'	18,537,025	2,257,646
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 cash equivalents	$343,386	$170,863
Securities available for sale	416,425	432,893
Securities held to maturity (fair value of $49,645 in 2014 and $50,768 in 2013)	49,577	50,644
Mortgage loans held for sale, at fair value	2,414	3,506
Loans	2,574,334	2,589,792
Allowance for loan losses	-22,367	-23,026
Loans, net	2,551,967	2,566,766
Federal Home Loan Bank stock, at cost	28,310	28,342
Premises and equipment, net	32,948	32,908
Goodwill	10,168	10,168
Other real estate owned	16,914	17,102
Bank owned life insurance	30,277	25,086
Other assets and accrued interest receivable	24,786	33,626
TOTAL ASSETS	3,507,172	3,371,904
Deposits:	'	'
Non interest-bearing	568,162	488,642
Interest-bearing	1,516,050	1,502,215
Total deposits	2,084,212	1,990,857
Securities sold under agreements to repurchase and other short-term borrowings	222,174	165,555
Federal Home Loan Bank advances	582,000	605,000
Subordinated note	41,240	41,240
Other liabilities and accrued interest payable	26,688	26,459
Total liabilities	2,956,314	2,829,111
Commitments and contingent liabilities (Footnote 9)	'	'
STOCKHOLDERS' EQUITY	'	'
Preferred stock, no par value	'	'
Class A Common Stock and Class B Common Stock, no par value	4,891	4,894
Additional paid in capital	133,103	133,012
Retained earnings	409,863	401,766
Accumulated other comprehensive income	3,001	3,121
Total stockholders' equity	550,858	542,793
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$3,507,172	$3,371,904

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, except Per Share data, unless otherwise specified
Securities held to maturity, fair value (in dollars)	$49,645	$50,768
Preferred stock, no par value	$0	$0
Class A Common Stock	'	'
Common Stock, no par value	$0	$0
Class B Common Stock	'	'
Common Stock, no par value	$0	$0

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, including fees	$30,162	$31,914
Taxable investment securities	1,859	2,040
Federal Home Loan Bank stock and other	476	447
Total interest income	32,497	34,401
INTEREST EXPENSE:	'	'
Deposits	978	1,055
Securities sold under agreements to repurchase and other short-term borrowings	22	29
Federal Home Loan Bank advances	3,564	3,558
Subordinated note	629	629
Total interest expense	5,193	5,271
NET INTEREST INCOME	27,304	29,130
Provision for loan losses	-703	-625
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	28,007	29,755
NON-INTEREST INCOME:	'	'
Service charges on deposit accounts	3,295	3,210
Net refund transfer fees	14,388	12,014
Mortgage banking income	486	3,274
Debit card interchange fee income	1,935	1,811
Bargain purchase gain	'	1,324
Net gain on sale of other real estate owned	402	277
Increase in cash surrender value of bank owned life insurance	191	'
Other	763	615
Total non-interest income	21,460	22,525
NON-INTEREST EXPENSES:	'	'
Salaries and employee benefits	14,483	16,114
Occupancy and equipment, net	5,822	5,577
Communication and transportation	1,026	1,030
Marketing and development	592	902
FDIC insurance expense	569	413
Bank franchise tax expense	2,339	1,715
Data processing	841	716
Debit card interchange expense	954	843
Supplies	440	354
Other real estate owned expense	1,070	889
Legal expense	412	430
Other	2,396	2,319
Total non-interest expenses	30,944	31,302
INCOME BEFORE INCOME TAX EXPENSE	18,523	20,978
INCOME TAX EXPENSE	6,539	7,622
NET INCOME	11,984	13,356
First Commercial Bank	'	'
NON-INTEREST INCOME:	'	'
Bargain purchase gain	'	$1,324
Class A Common Stock	'	'
BASIC EARNINGS PER SHARE:	'	'
Basic earnings per share (in dollars per share)	$0.58	$0.64
DILUTED EARNINGS PER SHARE:	'	'
Diluted earnings per share (in dollars per share)	$0.58	$0.64
DIVIDENDS DECLARED PER COMMON SHARE:	'	'
Dividend declared per common share (in dollars per share)	$0.18	$0.17
Class B Common Stock	'	'
BASIC EARNINGS PER SHARE:	'	'
Basic earnings per share (in dollars per share)	$0.56	$0.63
DILUTED EARNINGS PER SHARE:	'	'
Diluted earnings per share (in dollars per share)	$0.56	$0.62
DIVIDENDS DECLARED PER COMMON SHARE:	'	'
Dividend declared per common share (in dollars per share)	$0.16	$0.15

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	$11,984	$13,356
OTHER COMPREHENSIVE INCOME (LOSS)	'	'
Change in fair value of derivatives used for cash flow hedges	-239	'
Unrealized gain (loss) on securities available for sale	2	-398
Change in unrealized loss on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	54	184
Net unrealized losses	-183	-214
Tax effect	63	75
Net of tax	-120	-139
COMPREHENSIVE INCOME	$11,864	$13,217

CONSOLIDATED_STATEMENT_OF_STOC

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (USD $)	Total	Class A Common Stock	Class B Common Stock	Common Stock	Common Stock	Common Stock	Additional Paid In Capital	Retained Earnings	Retained Earnings	Retained Earnings	Accumulated Other Comprehensive Income
In Thousands, unless otherwise specified	USD ($)	USD ($)	USD ($)	USD ($)	Class A Common Stock	Class B Common Stock	USD ($)	USD ($)	Class A Common Stock	Class B Common Stock	USD ($)
									USD ($)	USD ($)
Balance at Dec. 31, 2013	$542,793	'	'	$4,894	'	'	$133,012	$401,766	'	'	$3,121
Balance (in shares) at Dec. 31, 2013	'	'	'	'	18,541	2,260	'	'	'	'	'
Increase (Decrease) in Stockholders' Equity	'	'	'	'	'	'	'	'	'	'	'
Net income	11,984	'	'	'	'	'	'	11,984	'	'	'
Net change in accumulated other comprehensive income	-120	'	'	'	'	'	'	'	'	'	-120
Dividend declared Common Stock:	'	'	'	'	'	'	'	'	'	'	'
Dividend declared Common Stock	'	-3,262	-362	'	'	'	'	'	-3,262	-362	'
Stock options exercised, net of shares redeemed	20	'	'	'	'	'	34	-14	'	'	'
Stock options exercised, net of shares redeemed (in shares)	'	'	'	'	2	'	'	'	'	'	'
Repurchase of Class A Common Stock	-347	'	'	-3	'	'	-95	-249	'	'	'
Repurchase of Class A Common Stock (in shares)	'	'	'	'	-15	'	'	'	'	'	'
Net change in notes receivable on Common Stock	-7	'	'	'	'	'	-7	'	'	'	'
Deferred director compensation expense - Common Stock	53	'	'	'	'	'	53	'	'	'	'
Deferred director compensation expense - Common Stock (in shares)	'	'	'	'	2	'	'	'	'	'	'
Stock based compensation - restricted stock	75	'	'	'	'	'	75	'	'	'	'
Stock based compensation expense - options	31	'	'	'	'	'	31	'	'	'	'
Balance at Mar. 31, 2014	$550,858	'	'	$4,891	'	'	$133,103	$409,863	'	'	$3,001
Balance (in shares) at Mar. 31, 2014	'	'	'	'	18,530	2,260	'	'	'	'	'

CONSOLIDATED_STATEMENT_OF_STOC1

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Class A Common Stock	'	'
Dividend declared common stock, per share (in dollars per share)	$0.18	$0.17
Class B Common Stock	'	'
Dividend declared common stock, per share (in dollars per share)	$0.16	$0.15

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	$11,984	$13,356
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation, amortization and accretion, net	-167	462
Provision for loan losses	-703	-625
Net gain on sale of mortgage loans held for sale	-498	-3,284
Origination of mortgage loans held for sale	-14,110	-84,593
Proceeds from sale of mortgage loans held for sale	15,700	77,765
Net realized recovery of mortgage servicing rights	'	-152
Net gain on sale of other real estate owned	-402	-277
Writedowns of other real estate owned	884	366
Deferred director compensation expense - Company Stock	53	51
Stock based compensation expense	106	139
Bargain purchase gain on acquisition	'	-1,324
Increase in cash surrender value of bank owned life insurance	-191	'
Net change in other assets and liabilities:	'	'
Accrued interest receivable	270	309
Accrued interest payable	-112	30
Other assets	8,256	2,862
Other liabilities	157	12,782
Net cash provided by operating activities	21,227	17,867
INVESTING ACTIVITIES:	'	'
Purchases of securities available for sale	-30,000	-19,697
Purchases of securities to be held to maturity	'	-10,000
Proceeds from calls, maturities and paydowns of securities available for sale	45,868	36,476
Proceeds from calls, maturities and paydowns of securities to be held to maturity	1,472	3,710
Proceeds from sales of Federal Home Loan Bank stock	32	35
Proceeds from sales of other real estate owned	2,627	8,261
Net change in loans	14,701	54,016
Purchase of bank owned life insurance	-5,000	'
Net purchases of premises and equipment	-1,403	-1,573
Net cash provided by investing activities	28,297	71,228
FINANCING ACTIVITIES:	'	'
Net change in deposits	93,355	88,868
Net change in securities sold under agreements to repurchase and other short-term borrowings	56,619	-130,667
Payments of Federal Home Loan Bank advances	-48,000	-30
Proceeds from Federal Home Loan Bank advances	25,000	30,000
Repurchase of Common Stock	-347	-4,094
Net proceeds from Common Stock options exercised	20	'
Cash dividends paid	-3,648	-3,412
Net cash provided by (used in) financing activities	122,999	-19,335
NET CHANGE IN CASH AND CASH EQUIVALENTS	172,523	69,760
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	170,863	137,691
CASH AND CASH EQUIVALENTS AT END OF PERIOD	343,386	207,451
Cash paid during the period for:	'	'
Interest	5,305	5,302
Income taxes	397	2,169
SUPPLEMENTAL NONCASH DISCLOSURES	'	'
Transfers from loans to real estate acquired in settlement of loans	3,070	897
Loans provided for sales of other real estate owned	149	61
Change in fair value of derivatives used for cash flow hedges	($239)	'

BASIS_OF_PRESENTATION_AND_SUMM

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	3 Months Ended
	Mar. 31, 2014
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
	1.                                            BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
	Basis of Presentation — The consolidated financial statements include the accounts of Republic Bancorp, Inc. (the “Parent Company”) and its wholly-owned subsidiaries: Republic Bank & Trust Company (“RB&T”) and Republic Bank (“RB”) (collectively referred together as the “Bank”). Republic Bancorp Capital Trust (“RBCT”) is a Delaware statutory business trust that is a wholly-owned unconsolidated finance subsidiary of Republic Bancorp, Inc. All companies are collectively referred to as “Republic” or the “Company.” All significant intercompany balances and transactions are eliminated in consolidation.
	On January 27, 2014, RB&T filed an application with the Federal Deposit Insurance Corporation (“FDIC”) and the Kentucky Department of Financial Institutions (“KDFI”) to merge RB&T and RB, with RB&T, a Kentucky-based, state chartered non-member institution, being the resulting institution and continuing to operate under the name Republic Bank & Trust Company. The Company expects the merger to be effective in May 2014.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, the financial statements do not include all of the information and footnotes required by U.S. generally accepted accounting principles (“GAAP”) for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for fair presentation have been included. Operating results for the three months ended March 31, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014. For further information, refer to the consolidated financial statements and footnotes thereto included in Republic’s Form 10-K for the year ended December 31, 2013.
	As of March 31, 2014, the Company was divided into three distinct business operating segments: Traditional Banking, Mortgage Banking and Republic Processing Group (“RPG”). Tax Refund Solutions (“TRS”), Republic Payment Solutions (“RPS”) and Republic Credit Solutions (“RCS”) operate as divisions of the RPG segment. The RPS and RCS divisions are considered immaterial for segment reporting.
	Traditional Banking and Mortgage Banking (collectively “Core Banking”)
	As of March 31, 2014, in addition to an Internet delivery channel, Republic had 42 full-service banking centers with locations as follows:
	·                  Kentucky — 33
	·                  Metropolitan Louisville — 20
	·                  Central Kentucky — 8
	·                  Elizabethtown — 1
	·                  Frankfort — 1
	·                  Georgetown — 1
	·                  Lexington — 4
	·                  Shelbyville — 1
	·                  Western Kentucky — 2
	·                  Owensboro — 2
	·                  Northern Kentucky — 3
	·                  Covington — 1
	·                  Florence — 1
	·                  Independence — 1
	·                  Southern Indiana — 3
	·                  Floyds Knobs — 1
	·                  Jeffersonville — 1
	·                  New Albany — 1
	·                  Metropolitan Tampa, Florida — 3
	·                  Metropolitan Cincinnati, Ohio — 1
	·                  Metropolitan Nashville, Tennessee — 2
	Core Banking results of operations are primarily dependent upon net interest income, which represents the difference between the interest income and fees on interest-earning assets and the interest expense on interest-bearing liabilities. Principal interest-earning Core Banking assets represent investment securities and commercial and consumer loans primarily secured by real estate and/or personal property. Interest-bearing liabilities primarily consist of interest-bearing deposit accounts, securities sold under agreements to repurchase, as well as short-term and long-term borrowing sources. The Bank also provides short-term, revolving credit facilities to mortgage bankers across the Nation through warehouse lines of credit. These credit facilities are secured by single family, first lien residential real estate loans.
	Other sources of Core Banking income include service charges on deposit accounts, debit card interchange fee income, title insurance commissions, fees charged to customers for trust services and revenue generated from Mortgage Banking activities. Mortgage Banking activities represent both the origination and sale of loans in the secondary market and the servicing of loans for others, primarily the Federal Home Loan Mortgage Corporation (“Freddie Mac” or “FHLMC”).
	Core Banking operating expenses consist primarily of salaries and employee benefits, occupancy and equipment expenses, communication and transportation costs, data processing, debit card interchange expenses, marketing and development expenses, FDIC insurance expense, and various general and administrative costs. Core Banking results of operations are significantly impacted by general economic and competitive conditions, particularly changes in market interest rates, government laws and policies and actions of regulatory agencies.
	Republic Processing Group
	Nationally, through RB&T, RPG facilitates the receipt and payment of federal and state tax refunds under the TRS division, primarily through refund transfers (“RT”s). RTs are products whereby a tax refund is issued to the taxpayer after RB&T has received the refund from the federal or state government. There is no credit risk or borrowing costs associated with these products, because they are only delivered to the taxpayer upon receipt of the tax refund directly from the governmental paying authority. Fees earned on RTs, net of rebates, are the primary source of revenue for the TRS division and the RPG segment, and are reported as non-interest income under the line item “Net refund transfer fees.”
	The TRS division historically originated and obtained a significant source of revenue from Refund Anticipation Loans (“RAL”s), but terminated this product effective April 30, 2012. RALs were short-term consumer loans offered to taxpayers that were secured by the customer’s anticipated tax refund, which represented the sole source of repayment. While RALs were terminated in 2012, TRS has received and expects to continue receiving recoveries from previously charged-off RALs in the near-term.
	Through RB, the RPS division is an issuing bank offering general purpose reloadable prepaid debit cards through third party program managers. Through RB&T and RB, the RCS division is piloting short-term consumer credit products.
	Accounting Standards Update (“ASU”) 2014-04 — Receivables — Troubled Debt Restructurings by Creditors (Subtopic 310-40): Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.
	The amendments in this ASU clarify that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, the amendments require interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. The amendments in this ASU are effective for the Company beginning January 1, 2015 and are not expected to have a material impact on the Company’s financial statements.
	Reclassifications and recasts — Certain amounts presented in prior periods have been reclassified to conform to the current period presentation. These reclassifications had no impact on prior years’ net income.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES	'
INVESTMENT SECURITIES	'
	2.                                                        INVESTMENT SECURITIES
	Securities available for sale:
	The gross amortized cost and fair value of securities available for sale and the related gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) were as follows:
		Gross		Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
	March 31, 2014 (in thousands)	Cost		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	98,230	$	382		$	(54	)	$	98,558
	Private label mortgage backed security	4,471		799			—			5,270
	Mortgage backed securities - residential	137,845		4,552			(133		)	142,264
	Collateralized mortgage obligations	155,179		1,077			(1,955		)	154,301
	Mutual fund	1,000		—			—			1,000
	Corporate bonds	15,014		43			(25		)	15,032
	Total securities available for sale	$	411,739	$	6,853		$	(2,167	)	$	416,425
		Gross		Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
	December 31, 2013 (in thousands)	Cost		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	97,157	$	409		$	(101	)	$	97,465
	Private label mortgage backed security	4,740		745			—			5,485
	Mortgage backed securities - residential	146,087		4,288			(288		)	150,087
	Collateralized mortgage obligations	164,264		1,228			(1,546		)	163,946
	Mutual fund	1,000		—			(5		)	995
	Corporate bonds	15,015		50			(150		)	14,915
	Total securities available for sale	$	428,263	$	6,720		$	(2,090	)	$	432,893
	Securities held to maturity:
	The carrying value, gross unrecognized gains and losses, and fair value of securities held to maturity were as follows:
				Gross			Gross
		Carrying		Unrecognized			Unrecognized			Fair
	March 31, 2014 (in thousands)	Value		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	2,293	$	7		$	(12	)	$	2,288
	Mortgage backed securities - residential	416		47			—			463
	Collateralized mortgage obligations	41,868		323			(280		)	41,911
	Corporate bonds	5,000		—			(17		)	4,983
	Total securities held to maturity	$	49,577	$	377		$	(309	)	$	49,645
				Gross			Gross
		Carrying		Unrecognized			Unrecognized			Fair
	December 31, 2013 (in thousands)	Value		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	2,311	$	7		$	(13	)	$	2,305
	Mortgage backed securities - residential	420		43			—			463
	Collateralized mortgage obligations	42,913		387			(184		)	43,116
	Corporate bonds	5,000		—			(116		)	4,884
	Total securities held to maturity	$	50,644	$	437		$	(313	)	$	50,768
	At March 31, 2014 and December 31, 2013, there were no holdings of securities of any one issuer, other than the U.S. Government and its agencies, in an amount greater than 10% of stockholders’ equity.
	Sales of Securities Available for Sale
	During the three months ended March 31, 2014 and 2013, there were no sales or calls of securities available for sale.
	The tax provision related to the Bank’s realized gains totaled $0 and $0 for the three months ended March 31, 2014 and 2013, respectively.
	Investment Securities by Contractual Maturity
	The amortized cost and fair value of the investment securities portfolio by contractual maturity at March 31, 2014 follows. Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date are detailed separately.
		Securities					Securities
		available for sale					held to maturity
		Amortized		Fair			Carrying			Fair
	March 31, 2014 (in thousands)	Cost		Value			Value			Value
	Due in one year or less	$	24,445	$	24,752		$	504		$	507
	Due from one year to five years	77,799		77,882			1,789			1,781
	Due from five years to ten years	11,000		10,956			5,000			4,983
	Due beyond ten years	—		—			—			—
	Private label mortgage backed security	4,471		5,270			—			—
	Mortgage backed securities - residential	137,845		142,264			416			463
	Collateralized mortgage obligations	155,179		154,301			41,868			41,911
	Mutual fund	1,000		1,000			—			—
	Total securities	$	411,739	$	416,425		$	49,577		$	49,645
	Corporate Bonds
	During 2013, the Bank purchased $20 million in floating rate corporate bonds with an initial weighted average yield of 1.36%. The bonds, which have a weighted average life of seven years, were rated “investment grade” by accredited rating agencies as of their respective purchase dates. The total fair value of the Bank’s corporate bonds represented 4% of the Bank’s investment portfolio as of both March 31, 2014 and December 31, 2013.
	Mortgage Backed Securities
At March 31, 2014, with the exception of the $5.3 million private label mortgage backed security, all other mortgage backed securities held by the Bank were issued by U.S. government-sponsored entities and agencies, primarily Freddie Mac and the Federal National Mortgage Association (“Fannie Mae” or “FNMA”), institutions that the government has affirmed its commitment to support. At March 31, 2014 and December 31, 2013, there were gross unrealized/unrecognized losses of $2.1 million and $1.8 million related to available for sale mortgage backed securities. Because the decline in fair value of these mortgage backed securities is attributable to changes in interest rates and illiquidity, and not credit quality, and because the Bank does not have the intent to sell these mortgage backed securities, and it is likely that it will not be required to sell the securities before their anticipated recovery, management does not consider these securities to be other-than-temporarily impaired.
Market Loss Analysis
Securities with unrealized losses at March 31, 2014 and December 31, 2013, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position, are as follows:
	Less than 12 months					12 months or more						Total
March 31, 2014 (in thousands)	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
			Losses						Losses					Losses
Securities available for sale:
U.S. Treasury securities and U.S. Government agencies	$	22,041	$	(54	)	$	—		$	—		$	22,041	$	(54	)
Mortgage backed securities - residential	8,675		(133		)	—			—			8,675		(133		)
Collateralized mortgage obligations	44,545		(1,151		)	7,443			(804		)	51,988		(1,955		)
Corporate bonds	9,975		(25		)	—			—			9,975		(25		)
Total securities available for sale	$	85,236	$	(1,363	)	$	7,443		$	(804	)	$	92,679	$	(2,167	)
	Less than 12 months					12 months or more						Total
	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
			Losses						Losses					Losses
Securities held to maturity:
U.S. Treasury securities and U.S. Government agencies	$	520	$	(12	)	$	—		$	—		$	520	$	(12	)
Collateralized mortgage obligations	18,338		(280		)	—			—			18,338		(280		)
Corporate bonds	4,983		(17		)	—			—			4,983		(17		)
Total securities held to maturity	$	23,841	$	(309	)	$	—		$	—		$	23,841	$	(309	)
	Less than 12 months					12 months or more						Total
December 31, 2013 (in thousands)	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
			Losses						Losses					Losses
Securities available for sale:
U.S. Treasury securities and U.S. Government agencies	$	44,041	$	(101	)	$	—		$	—		$	44,041	$	(101	)
Mortgage backed securities - residential	19,494		(288		)	—			—			19,494		(288		)
Collateralized mortgage obligations	55,927		(1,546		)	—			—			55,927		(1,546		)
Mutual fund	995		(5		)	—			—			995		(5		)
Corporate bonds	9,850		(150		)	—			—			9,850		(150		)
Total securities available for sale	$	130,307	$	(2,090	)	$	—		$	—		$	130,307	$	(2,090	)
	Less than 12 months					12 months or more						Total
	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
			Losses						Losses					Losses
Securities held to maturity:
U.S. Treasury securities and U.S. Government agencies	$	521	$	(13	)	$	—		$	—		$	521	$	(13	)
Collateralized mortgage obligations	18,686		(184		)	—			—			18,686		(184		)
Corporate bonds	4,884		(116		)	—			—			4,884		(116		)
Total securities held to maturity	$	24,091	$	(313	)	$	—		$	—		$	24,091	$	(313	)
At March 31, 2014, the Bank’s security portfolio consisted of 156 securities, 20 of which were in an unrealized loss position. At December 31, 2013, the Bank’s security portfolio consisted of 162 securities, 27 of which were in an unrealized loss position.
Other-than-temporary impairment (“OTTI”)
Unrealized losses for all investment securities are reviewed to determine whether the losses are “other-than-temporary.” Investment securities are evaluated for OTTI on at least a quarterly basis and more frequently when economic or market conditions warrant such an evaluation to determine whether a decline in value below amortized cost is other-than-temporary. In conducting this assessment, the Bank evaluates a number of factors including, but not limited to:
·                  The length of time and the extent to which fair value has been less than the amortized cost basis;
·                  The Bank’s intent to hold until maturity or sell the debt security prior to maturity;
·                  An analysis of whether it is more likely than not that the Bank will be required to sell the debt security before its anticipated recovery;
·                  Adverse conditions specifically related to the security, an industry, or a geographic area;
·                  The historical and implied volatility of the fair value of the security;
·                  The payment structure of the security and the likelihood of the issuer being able to make payments;
·                  Failure of the issuer to make scheduled interest or principal payments;
·                  Any rating changes by a rating agency; and
·                  Recoveries or additional decline in fair value subsequent to the balance sheet date.
The term “other-than-temporary” is not intended to indicate that the decline is permanent, but indicates that the prospects for a near-term recovery of value are not necessarily favorable, or that there is a general lack of evidence to support a realizable value equal to or greater than the carrying value of the investment. Once a decline in value is determined to be other-than-temporary, the value of the security is reduced and a corresponding charge to earnings is recognized for the anticipated credit losses.
The Bank owns one private label mortgage backed security with a total carrying value of $5.3 million at March 31, 2014. This security, with an average remaining life currently estimated at four years, is mostly backed by “Alternative A” first lien mortgage loans, but also has an insurance “wrap” or guarantee as an added layer of protection to the security holder. This asset is illiquid, and as such, the Bank determined it to be a Level 3 security in accordance with Accounting Standards Codification (“ASC”) Topic 820, Fair Value Measurements and Disclosures. Based on this determination, the Bank utilized an income valuation model (“present value model”) approach, in determining the fair value of the security. This approach is beneficial for positions that are not traded in active markets or are subject to transfer restrictions, and/or where valuations are adjusted to reflect illiquidity and/or non-transferability. Such adjustments are generally based on available market evidence. In the absence of such evidence, management’s best estimate is used. Management’s best estimate consists of both internal and external support for this investment.
See additional discussion regarding the Bank’s private label mortgage backed security under Footnote 6 “Fair Value” in this section of the filing.
Pledged Investment Securities
Investment securities pledged to secure public deposits, securities sold under agreements to repurchase and securities held for other purposes, as required or permitted by law are as follows:
(in thousands)	March 31, 2014		December 31, 2013
Carrying amount	$	270,904	$	224,693
Fair value	271,119		224,989

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	3 Months Ended
	Mar. 31, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES	'
LOANS AND ALLOWANCE FOR LOAN LOSSES	'
	3.                                      LOANS AND ALLOWANCE FOR LOAN LOSSES
	The composition of the loan portfolio follows:
	(in thousands)	March 31, 2014			December 31, 2013
	Residential real estate:
	Owner occupied	$	1,115,335		$	1,097,795
	Non owner occupied	101,489			110,809
	Commercial real estate	765,819			773,173
	Commercial real estate - purchased whole loans	34,358			34,186
	Construction & land development	41,386			44,351
	Commercial & industrial	127,776			127,763
	Warehouse lines of credit	136,262			149,576
	Home equity	228,757			226,782
	Consumer:
	Credit cards	8,869			9,030
	Overdrafts	916			944
	Other consumer	13,367			15,383
	Total loans	2,574,334			2,589,792
	Less: Allowance for loan losses	22,367			23,026
	Total loans, net	$	2,551,967		$	2,566,766
	Purchased Credit Impaired (“PCI”) Loans
	The contractual amount of PCI loans accounted for under Accounting Standards Codification (“ASC”) 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality, decreased from $58 million as of December 31, 2013 to $50 million as of March 31, 2014. The carrying value of these loans was $41 million as of December 31, 2013 compared to $34 million as of March 31, 2014.
	The table below reconciles the contractually required and carrying amounts of PCI loans at March 31, 2014 and December 31, 2013:
	(in thousands)	March 31, 2014			December 31, 2013
	Contractually-required principal	$	49,511		$	57,992
	Non-accretable amount	(12,613		)	(13,582		)
	Accretable amount	(2,765		)	(3,457		)
	Carrying value of loans	$	34,133		$	40,953
	The following table presents a rollforward of the accretable amount on PCI loans for the three months ended March 31, 2014 and 2013:
		Three Months			Three Months
		Ended			Ended
	(in thousands)	March 31, 2014			March 31, 2013
	Balance as of January 1,	$	(3,457	)	$	(3,231	)
	Transfers between non-accretable and accretable	(1,311		)	(984		)
	Net accretion into interest income on loans, including loan fees	2,003			1,632
	Other changes	—			283
	Ending balance, March 31,	$	(2,765	)	$	(2,300	)
	Credit Quality Indicators
	Based on the Bank’s internal analysis performed, the risk rate category of loans by class follows:
														Purchased			Purchased
														Credit			Credit
														Impaired			Impaired			Total
	March 31, 2014				Special						Doubtful /			Loans -			Loans -			Rated
	(in thousands)	Pass			Mention *			Substandard *			Loss			Group 1			Substandard			Loans**
	Residential real estate:
	Owner occupied	$	—		$	28,465		$	13,463		$	—		$	1,796		$	—		$	43,724
	Non owner occupied	—			1,764			1,392			—			7,170			—			10,326
	Commercial real estate	711,873			11,203			20,297			—			22,400			—			765,773
	Commercial real estate -
	Purchased whole loans	34,358			—			—			—			—			—			34,358
	Construction & land development	37,955			126			2,396			—			909			46			41,432
	Commercial & industrial	123,841			126			2,024			—			1,567			218			127,776
	Warehouse lines of credit	136,262			—			—			—			—			—			136,262
	Home equity	—			250			2,481			—			—			—			2,731
	Consumer:
	Credit cards	—			—			—			—			—			—			—
	Overdrafts	—			—			—			—			—			—			—
	Other consumer	—			17			62			—			27			—			106
	Total rated loans	$	1,044,289		$	41,951		$	42,115		$	—		$	33,869		$	264		$	1,162,488
														Purchased			Purchased
														Credit			Credit
														Impaired			Impaired			Total
	December 31, 2013				Special						Doubtful /			Loans -			Loans -			Rated
	(in thousands)	Pass			Mention *			Substandard *			Loss			Group 1			Substandard			Loans**
Residential real estate:
Owner occupied	$	—		$	27,431		$	10,994		$	—		$	2,810		$	—		$	41,235
Non owner occupied	—			919			1,292			—			7,936			—			10,147
Commercial real estate	709,610			11,125			25,296			—			27,142			—			773,173
Commercial real estate -
Purchased whole loans	34,186			—			—			—			—			—			34,186
Construction & land development	40,591			128			2,386			—			1,246			—			44,351
Commercial & industrial	123,646			296			2,035			—			1,564			222			127,763
Warehouse lines of credit	149,576			—			—			—			—			—			149,576
Home equity	—			250			2,014			—			—			—			2,264
Consumer:
Credit cards	—			—			—			—			—			—			—
Overdrafts	—			—			—			—			—			—			—
Other consumer	—			18			66			—			33			—			117
Total rated loans	$	1,057,609		$	40,167		$	44,083		$	—		$	40,731		$	222		$	1,182,812
* - Special Mention and Substandard loans include $1 million and $4 million at March 31, 2014 and $1 million and $6 million at December 31, 2013, respectively, which were removed from the PCI population due to a post-acquisition troubled debt restructuring.
** - The above tables exclude all non-classified residential real estate and consumer loans at the respective period ends. The tables also exclude most non classified small commercial & industrial and commercial real estate relationships totaling $100,000 or less. These loans are not rated by the Company since they are accruing interest and are not past due 80-days-or-more.
Allowance for Loan Losses
Activity in the allowance for loan losses (“Allowance”) follows:
	Three Months Ended
	March 31,
(in thousands)	2014			2013
Allowance for loan losses at beginning of period	$	23,026		$	23,729
Charge offs - Traditional Banking	(912		)	(554		)
Recoveries - Traditional Banking	493			414
Recoveries - Refund Anticipation Loans	463			599
Total recoveries	956			1,013
Net loan (charge offs) recoveries - Traditional Banking	(419		)	(140		)
Net recoveries - Refund Anticipation Loans	463			599
Net loan (charge offs) recoveries	44			459
Provision for loan losses - Traditional Banking	(240		)	(26		)
Provision for loan losses - Refund Anticipation Loans	(463		)	(599		)
Total provision for loan losses	(703		)	(625		)
Allowance for loan losses at end of period	$	22,367		$	23,563
The Allowance calculation includes the following qualitative factors, which are considered in combination with the Bank’s historical loss rates in determining the general loss reserve within the Allowance:
·                  Changes in nature, volume and seasoning of the loan portfolio;
·                  Changes in experience, ability and depth of lending management and other relevant staff;
·                  Changes in the quality of the Bank’s loan review system;
·                  Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices not considered elsewhere in estimating credit losses;
·                  Changes in the volume and severity of past due, non-accrual and classified loans;
·                  Changes in the value of underlying collateral for collateral-dependent loans;
·                  Changes in international, national, regional, and local economic and business conditions and developments that affect the collectibility of the loan portfolio, including the condition of various market segments;
·                  The existence and effect of any concentrations of credit, and changes in the level of such concentrations; and
·                  The effect of other external factors such as competition and legal and regulatory requirements on the level of estimated credit losses in the institution’s existing portfolio.
The following tables present the activity in the Allowance by portfolio class for the three months ended March 31, 2014 and 2013:
										Commercial
	Residential Real Estate									Real Estate -									Warehouse
Three Months Ended	Owner			Non Owner			Commercial			Purchased			Construction &			Commercial &			Lines of
March 31, 2014 (in thousands)	Occupied			Occupied			Real Estate			Whole Loans			Land Development			Industrial			Credit
Beginning balance	$	7,816		$	1,023		$	8,309		$	34		$	1,296		$	1,089		$	449
Provision for loan losses	118			(30		)	(178		)	—			(88		)	(57		)	28
Loans charged off	(217		)	(15		)	(372		)	—			(17		)	—			—
Recoveries	34			6			142			—			1			48			—
Ending balance	$	7,751		$	984		$	7,901		$	34		$	1,192		$	1,080		$	477
(continued)
				Refund			Consumer
	Home			Anticipation			Credit						Other
	Equity			Loans			Cards			Overdrafts			Consumer				Total
Beginning balance	$	2,396		$	—		$	289		$	199		$	126			$	23,026
Provision for loan losses	—			(463		)	(18		)	47			(62		)		(703		)
Loans charged off	(66		)	—			(5		)	(151		)	(69		)		(912		)
Recoveries	41			463			10			117			94				956
Ending balance	$	2,371		$	—		$	276		$	212		$	89			$	22,367
										Commercial
	Residential Real Estate									Real Estate -									Warehouse
Three Months Ended	Owner			Non Owner			Commercial			Purchased			Construction &			Commercial &			Lines of
March 31, 2013 (in thousands)	Occupied			Occupied			Real Estate			Whole Loans			Land Development			Industrial			Credit
Beginning balance	$	7,006		$	1,049		$	8,843		$	34		$	2,769		$	580		$	541
Provision for loan losses	80			(90		)	(66		)	—			296			142			(108		)
Loans charged off	(200		)	(43		)	(14		)	—			—			—			—
Recoveries	98			8			18			—			36			5			—
Ending balance	$	6,984		$	924		$	8,781		$	34		$	3,101		$	727		$	433
(continued)
				Refund			Consumer
	Home			Anticipation			Credit						Other
	Equity			Loans			Cards			Overdrafts			Consumer				Total
Beginning balance	$	2,348		$	—		$	210		$	198		$	151			$	23,729
Provision for loan losses	(435		)	(599		)	121			56			(22		)		(625		)
Loans charged off	(43		)	—			(10		)	(175		)	(69		)		(554		)
Recoveries	39			599			5			130			75				1,013
Ending balance	$	1,909		$	—		$	326		$	209		$	135			$	23,563
Non-performing Loans and Non-performing Assets
Detail of non-performing loans and non-performing assets follows:
(dollars in thousands)	March 31, 2014			December 31, 2013
Loans on non-accrual status(1)	$	21,792		$	19,104
Loans past due 90 days or more and still on accrual(2)	2,247			1,974
Total non-performing loans	24,039			21,078
Other real estate owned	16,914			17,102
Total non-performing assets	$	40,953		$	38,180
Credit Quality Ratios - Total Company:
Non-performing loans to total loans	0.93		%	0.81		%
Non-performing assets to total loans (including OREO)	1.58		%	1.46		%
Non-performing assets to total assets	1.17		%	1.13		%
(1)         Loans on non-accrual status include impaired loans.
(2)         All loans past due 90-days-or-more and still accruing were PCI loans accounted for under ASC 310-30.
The following table presents the recorded investment in non-accrual loans and loans past due 90-days-or-more and still on accrual by class of loans:
							Loans Past Due 90-Days-or-More
	Non-Accrual Loans						and Still Accruing Interest*
in thousands)	March 31, 2014			December 31, 2013			March 31, 2014			December 31, 2013
Residential real estate:
Owner occupied	$	9,937		$	8,538		$	482		$	673
Non owner occupied	1,316			1,279			—			—
Commercial real estate	6,605			7,643			511			—
Commercial real estate - purchased whole loans	—			—			—			—
Construction & land dev.	1,990			97			—			70
Commercial & industrial	143			327			1,254			1,231
Warehouse lines of credit	—			—			—			—
Home equity	1,710			1,128			—			—
Consumer:
Credit cards	—			—			—			—
Overdrafts	—			—			—			—
Other consumer	91			92			—			—
Total	$	21,792		$	19,104		$	2,247		$	1,974
* - Loans past due 90-days-or-more and still on accrual consist entirely of PCI loans.
Non-accrual loans and loans past due 90-days-or-more and still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. Non-accrual loans are typically returned to accrual status when all the principal and interest amounts contractually due are brought current and held current for six consecutive months and future contractual payments are reasonably assured. Troubled debt restructures (“TDR”s) on non-accrual status are reviewed for return to accrual status on an individual basis, with additional consideration given to performance under the modified terms.
Delinquent Loans
The following tables present the aging of the recorded investment in loans by class of loans:
	30 - 59			60 - 89			90 +			Total			Total
March 31, 2014	Days			Days			Days			Loans			Loans Not			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent			Delinquent			Loans
Residential real estate:
Owner occupied	$	1,976		$	751		$	3,675		$	6,402		$	1,108,933		$	1,115,335
Non owner occupied	68			—			131			199			101,290			101,489
Commercial real estate	—			—			2,707			2,707			763,112			765,819
Commercial real estate - purchased whole loans	—			—			—			—			34,358			34,358
Construction & land development	—			558			1,500			2,058			39,328			41,386
Commercial & industrial	632			—			1,397			2,029			125,747			127,776
Warehouse lines of credit	—			—			—			—			136,262			136,262
Home equity	364			25			415			804			227,953			228,757
Consumer:
Credit cards	58			15			—			73			8,796			8,869
Overdrafts	108			—			—			108			808			916
Other consumer	45			18			—			63			13,304			13,367
Total	$	3,251		$	1,367		$	9,825		$	14,443		$	2,559,891		$	2,574,334
Delinquent loans to total loans	0.13		%	0.05		%	0.38		%	0.56		%
	30 - 59			60 - 89			90 +			Total			Total
December 31, 2013	Days			Days			Days			Loans			Loans Not			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent			Delinquent			Loans
Residential real estate:
Owner occupied	$	1,956		$	733		$	3,668		$	6,357		$	1,091,438		$	1,097,795
Non owner occupied	195			967			131			1,293			109,516			110,809
Commercial real estate	874			384			3,940			5,198			767,975			773,173
Commercial real estate - purchased whole loans	—			—			—			—			34,186			34,186
Construction & land development	332			—			167			499			43,852			44,351
Commercial & industrial	—			—			1,415			1,415			126,348			127,763
Warehouse lines of credit	—			—			—			—			149,576			149,576
Home equity	665			48			397			1,110			225,672			226,782
Consumer:
Credit cards	87			6			5			98			8,932			9,030
Overdrafts	159			—			—			159			785			944
Other consumer	67			27			—			94			15,289			15,383
Total	$	4,335		$	2,165		$	9,723		$	16,223		$	2,573,569		$	2,589,792
Delinquent loans to total loans	0.17		%	0.08		%	0.38		%	0.63		%
* - All loans, excluding PCI loans, 90-days-or-more past due as of March 31, 2014 and December 31, 2013 were on non-accrual status.
Impaired Loans
The Bank defines impaired loans as follows:
·                        All loans internally rated as “Substandard,” “Doubtful” or “Loss;”
·                        All loans internally rated in a PCI category with cash flows that have deteriorated from management’s initial estimate;
·                        All loans on non-accrual status and non-PCI loans past due 90 days-or-more still on accrual;
·                        All retail and commercial TDRs; and
·                        Any other situation where the full collection of the total amount due for a loan is improbable or otherwise meets the definition of impaired.
See the section titled “Credit Quality Indicators” in this section of the filing for additional discussion regarding the Bank’s loan classification structure.
Information regarding the Bank’s impaired loans follows:
(in thousands)	March 31, 2014			December 31, 2013
Loans with no allocated Allowance	$	36,556		$	36,721
Loans with allocated Allowance	63,651			71,273
Total impaired loans	$	100,207		$	107,994
Amount of the Allowance allocated	$	6,211		$	6,674
Approximately $18 million and $24 million of impaired loans at March 31, 2014 and December 31, 2013 were PCI loans. Approximately $5 million and $6 million of impaired loans at March 31, 2014 and December 31, 2013 were formerly PCI loans which became classified as “impaired” through a troubled debt restructuring.
The following tables present the balance in the Allowance and the recorded investment in loans by portfolio class based on impairment method as of March 31, 2014 and December 31, 2013:
										Commercial
	Residential Real Estate									Real Estate -									Warehouse
	Owner			Non Owner			Commercial			Purchased			Construction &			Commercial &			Lines of
March 31, 2014 (in thousands)	Occupied			Occupied			Real Estate			Whole Loans			Land Development			Industrial			Credit
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment, excluding PCI loans	$	3,671		$	81		$	693		$	—		$	257		$	6		$	—
Collectively evaluated for impairment	4,029			637			6,719			34			935			761			477
PCI loans with post acquisition impairment	51			266			489			—			—			313			—
PCI loans without post acquisition impairment	—			—			—			—			—			—			—
Total ending allowance for loan losses	$	7,751		$	984		$	7,901		$	34		$	1,192		$	1,080		$	477
Loans:
Impaired loans individually evaluated, excluding PCI loans	$	41,493		$	2,397		$	29,081		$	—		$	2,594		$	4,311		$	—
Loans collectively evaluated for impairment	1,072,046			91,922			714,293			34,358			37,883			121,679			136,262
PCI loans with post acquisition impairment	709			5,348			9,858			—			—			1,594			—
PCI loans without post acquisition impairment	1,087			1,822			12,587			—			909			192			—
Total ending loan balance	$	1,115,335		$	101,489		$	765,819		$	34,358		$	41,386		$	127,776		$	136,262
(continued)
				Consumer
	Home			Credit						Other
	Equity			Cards			Overdrafts			Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment, excluding PCI loans	$	340		$	—		$	—		$	43			$	5,091
Collectively evaluated for impairment	2,031			276			212			45				16,156
PCI loans with post acquisition impairment	—			—			—			1				1,120
PCI loans without post acquisition impairment	—			—			—			—				—
Total ending allowance for loan losses	$	2,371		$	276		$	212		$	89			$	22,367
Loans:
Impaired loans individually evaluated, excluding PCI loans	$	2,731		$	—		$	—		$	80			$	82,687
Loans collectively evaluated for impairment	226,026			8,869			916			13,260				2,457,514
PCI loans with post acquisition impairment	—			—			—			11				17,520
PCI loans without post acquisition impairment	—			—			—			16				16,613
Total ending loan balance	$	228,757		$	8,869		$	916		$	13,367			$	2,574,334
										Commercial
	Residential Real Estate									Real Estate -									Warehouse
	Owner			Non Owner			Commercial			Purchased			Construction &			Commercial &			Lines of
December 31, 2013 (in thousands)	Occupied			Occupied			Real Estate			Whole Loans			Land Development			Industrial			Credit
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment, excluding PCI loans	$	3,606		$	61		$	1,232		$	—		$	146		$	111		$	—
Collectively evaluated for impairment	4,159			672			6,474			34			1,140			661			449
PCI loans with post acquisition impairment	51			290			603			—			10			317			—
PCI loans without post acquisition impairment	—			—			—			—			—			—			—
Total ending allowance for loan losses	$	7,816		$	1,023		$	8,309		$	34		$	1,296		$	1,089		$	449
Loans:
Impaired loans individually evaluated, excluding PCI loans	$	39,211		$	2,061		$	33,519		$	—		$	2,494		$	4,521		$	—
Loans collectively evaluated for impairment	1,055,774			100,812			712,512			34,186			40,611			121,456			149,576
PCI loans with post acquisition impairment	1,455			5,984			14,512			—			267			1,609			—
PCI loans without post acquisition impairment	1,355			1,952			12,630			—			979			177			—
Total ending loan balance	$	1,097,795		$	110,809		$	773,173		$	34,186		$	44,351		$	127,763		$	149,576
(continued)
				Consumer
	Home			Credit						Other
	Equity			Cards			Overdrafts			Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment, excluding PCI loans	$	203		$	—		$	—		$	43			$	5,402
Collectively evaluated for impairment	2,193			289			199			82				16,352
PCI loans with post acquisition impairment	—			—			—			1				1,272
PCI loans without post acquisition impairment	—			—			—			—				—
Total ending allowance for loan losses	$	2,396		$	289		$	199		$	126			$	23,026
Loans:
Impaired loans individually evaluated, excluding PCI loans	$	2,264		$	—		$	—		$	85			$	84,155
Loans collectively evaluated for impairment	224,518			9,030			944			15,265				2,464,684
PCI loans with post acquisition impairment	—			—			—			12				23,839
PCI loans without post acquisition impairment	—			—			—			21				17,114
Total ending loan balance	$	226,782		$	9,030		$	944		$	15,383			$	2,589,792
The following tables present loans individually evaluated for impairment by class of loans as of March 31, 2014 and December 31, 2013 and for the three months ended March 31, 2014 and 2013. The difference between the “Unpaid Principal Balance” and “Recorded Investment” columns represents life-to-date partial write downs/charge offs taken on individual impaired credits.
	As of									Three Months Ended
	March 31, 2014									March 31, 2014
																Cash Basis
	Unpaid									Average			Interest			Interest
	Principal			Recorded			Allowance			Recorded			Income			Income
(in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized
Impaired loans with no related allowance recorded:
Residential real estate:
Owner occupied	$	8,018		$	7,350		$	—		$	6,960		$	52		$	—
Non owner occupied	1,532			1,356			—			1,306			8			—
Commercial real estate	20,651			19,623			—			20,288			197			—
Commercial real estate - purchased whole loans	—			—			—			—			—			—
Construction & land development	2,081			2,081			—			2,084			1			—
Commercial & industrial	4,208			4,208			—			4,233			59			—
Warehouse lines of credit	—			—			—			—			—			—
Home equity	2,071			1,938			—			1,758			9			—
Consumer:
Credit cards	—			—			—			—			—			—
Overdrafts	—			—			—			—			—			—
Other consumer	—			—			—			9			—			—
Impaired loans with an allowance recorded:
Residential real estate:
Owner occupied	35,053			34,852			3,722			34,475			244			—
Non owner occupied	6,389			6,389			347			6,589			71			—
Commercial real estate	19,316			19,316			1,182			23,197			190			—
Commercial real estate - purchased whole loans	—			—			—			—			—			—
Construction & land development	513			513			257			594			6			—
Commercial & industrial	1,697			1,697			319			1,785			3			—
Warehouse lines of credit	—			—			—			—			—			—
Home equity	793			793			340			740			2			—
Consumer:
Credit cards	—			—			—			—			—			—
Overdrafts	—			—			—			—			—			—
Other consumer	91			91			44			85			—			—
Total impaired loans	$	102,413		$	100,207		$	6,211		$	104,103		$	842		$	—
	As of									Three Months Ended
	December 31, 2013									March 31, 2013
																Cash Basis
	Unpaid									Average			Interest			Interest
	Principal			Recorded			Allowance			Recorded			Income			Income
(in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized
Impaired loans with no related allowance recorded:
Residential real estate:
Owner occupied	$	7,136		$	6,569		$	—		$	13,664		$	154		$	—
Non owner occupied	1,498			1,256			—			1,553			7			—
Commercial real estate	21,886			20,953			—			18,198			239			—
Commercial real estate - purchased whole loans	—			—			—			—			—			—
Construction & land development	2,087			2,087			—			2,323			25			—
Commercial & industrial	4,367			4,258			—			4,081			31			—
Warehouse lines of credit	—			—			—			—			—			—
Home equity	1,695			1,577			—			2,010			16			—
Consumer:
Credit cards	—			—			—			—			—			—
Overdrafts	—			—			—			—			—			—
Other consumer	18			18			—			405			4			—
Impaired loans with an allowance recorded:
Residential real estate:
Owner occupied	34,393			34,097			3,657			31,674			210			—
Non owner occupied	6,789			6,789			351			3,635			39			—
Commercial real estate	27,080			27,078			1,835			25,601			289			—
Commercial real estate - purchased whole loans	—			—			—			—			—			—
Construction & land development	674			674			156			3,348			25			—
Commercial & industrial	1,872			1,872			428			2,762			43			—
Warehouse lines of credit	—			—			—			—			—			—
Home equity	688			687			203			1,552			4			—
Consumer:
Credit cards	—			—			—			—			—			—
Overdrafts	—			—			—			—			—			—
Other consumer	79			79			44			69			1			—
Total impaired loans	$	110,262		$	107,994		$	6,674		$	110,875		$	1,087		$	—
Troubled Debt Restructurings
A TDR is the situation where, due to a borrower’s financial difficulties, the Bank grants a concession to the borrower that the Bank would not otherwise have considered. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Bank’s internal underwriting policy.
All TDRs are considered “Impaired” loans, including PCI loans subsequently restructured. The majority of the Bank’s commercial related and construction TDRs involve a restructuring of loan terms such as a reduction in the payment amount to require only interest and escrow (if required) and/or extending the maturity date of the loan. The substantial majority of the Bank’s residential real estate TDR concessions involve reducing the client’s loan payment through a rate reduction for a set period of time based on the borrower’s ability to service the modified loan payment. Retail loans may also be classified as TDRs due to legal modifications, including: a) customers that declare bankruptcy under Chapter 7 of the Bankruptcy Code and fail to reaffirm their debt with the Bank or b) upon death of the customer before full repayment of their loan.
Management determines whether to classify a TDR as non-performing based on its accrual status prior to modification. Non-accrual loans modified as TDRs remain on non-accrual status and continue to be reported as non-performing loans for a minimum of six months. Accruing loans modified as TDRs are evaluated for non-accrual status based on a current evaluation of the borrower’s financial condition and ability and willingness to service the modified debt. At March 31, 2014 and December 31, 2013, $16 million and $13 million of TDRs were also non-accrual loans.
Detail of TDRs differentiated by loan type and accrual status follows:
	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
March 31, 2014 (in thousands)	Non-Accrual Status			Accrual Status			Restructurings
Residential real estate	$	7,746		$	33,215		$	40,961
Commercial real estate	6,449			18,449			24,898
Construction & land development	1,990			705			2,695
Commercial & industrial	143			4,169			4,312
Total troubled debt restructurings	$	16,328		$	56,538		$	72,866
	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
December 31, 2013 (in thousands)	Non-Accrual Status			Accrual Status			Restructurings
Residential real estate	$	5,514		$	31,705		$	37,219
Commercial real estate	7,486			22,041			29,527
Construction & land development	97			2,608			2,705
Commercial & industrial	143			4,378			4,521
Total troubled debt restructurings	$	13,240		$	60,732		$	73,972
The Bank considers a TDR to be performing to its modified terms if the loan is in accrual status and not past due 30 days or more as of the reporting date. A summary of the categories of TDR loan modifications outstanding and respective performance under modified terms at March 31, 2014 and December 31, 2013 follows:
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
March 31, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Interest only payments	$	224		$	654		$	878
Rate reduction	28,519			4,850			33,369
Principal deferral	1,000			485			1,485
Bankrupt customer	1,288			1,498			2,786
Deceased customer	2,070			373			2,443
Total residential TDRs	33,101			7,860			40,961
Commercial related and construction/land development loans:
Interest only payments	4,208			1,208			5,416
Rate reduction	11,415			1,778			13,193
Principal deferral	7,701			5,372			13,073
Bankrupt customer	—			223			223
Total commercial TDRs	23,324			8,581			31,905
Total troubled debt restructurings	$	56,425		$	16,441		$	72,866
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
December 31, 2013 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Interest only payments	$	430		$	671		$	1,101
Rate reduction	26,004			4,993			30,997
Principal deferral	1,840			632			2,472
Bankrupt customer	1,247			1,402			2,649
Total residential TDRs	29,521			7,698			37,219
Commercial related and construction/land development loans:
Interest only payments	6,086			1,321			7,407
Rate reduction	13,958			663			14,621
Principal deferral	8,983			5,351			14,334
Bankrupt customer	—			391			391
Total commercial TDRs	29,027			7,726			36,753
Total troubled debt restructurings	$	58,548		$	15,424		$	73,972
As of March 31, 2014 and December 31, 2013, 77% and 79% of the Bank’s TDRs were performing according to their modified terms. The Bank had provided $4 million and $5 million of specific reserve allocations to customers whose loan terms have been modified in TDRs as of March 31, 2014 and December 31, 2013. Specific reserve allocations are generally assessed prior to loans being modified as a TDR, as most of these loans migrate from the Bank’s internal “watch list” and have been specifically provided for or reserved for as part of the Bank’s normal loan loss provisioning methodology. The Bank has not committed to lend any additional material amounts to its existing TDR relationships at March 31, 2014.
A summary of the categories of TDR loan modifications that occurred during the three months ended March 31, 2014 and 2013 follows:
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
Three Months Ended	Performing to			Not Performing to			Troubled Debt
March 31, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Interest only payments	$	—		$	2		$	2
Rate reduction	1,102			1,134			2,236
Principal deferral	299			—			299
Bankrupt customer	—			291			291
Deceased customer	2,070			373			2,443
Total residential TDRs	3,471			1,800			5,271
Commercial related and construction/land development loans:
Interest only payments	718			—			718
Rate reduction	2,352			1,134			3,486
Principal deferral	968			1,908			2,876
Total commercial TDRs	4,038			3,042			7,080
Total troubled debt restructurings	$	7,509		$	4,842		$	12,351
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
Three Months Ended	Performing to			Not Performing to			Troubled Debt
March 31, 2013 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Rate reduction	$	1,232		$	888		$	2,120
Principal deferral	355			200			555
Bankrupt customer	2,795			363			3,158
Total residential TDRs	4,382			1,451			5,833
Commercial related and construction/land development loans:
Interest only payments	47			—			47
Rate reduction	—			—			—
Principal deferral	6,074			2,092			8,166
Bankrupt customer	—			—			—
Total commercial TDRs	6,121			2,092			8,213
Total troubled debt restructurings	$	10,503		$	3,543		$	14,046
As of March 31, 2014 and 2013, 61% and 75% of the Bank’s TDRs that occurred during the first quarters of 2014 and 2013 were performing according to their modified terms. The Bank provided $358,000 and $78,000 in specific reserve allocations to customers whose loan terms were modified in TDRs during the first quarters of 2014 and 2013. As stated above, specific reserves are generally assessed prior to loans being modified as a TDR, as most of these loans migrate from the Bank’s internal watch list and have been specifically reserved for as part of the Bank’s normal reserving methodology.
There were no significant changes between the pre and post modification loan balances at March 31, 2014 and December 31, 2013.
The following tables present loans by class modified as troubled debt restructurings within the previous twelve months of March 31, 2014 and 2013 and for which there was a payment default during the three months ended March 31, 2014 and 2013:
Three Months Ended	Number of		Recorded
March 31, 2014 (dollars in thousands)	Loans		Investment
Residential real estate:
Owner occupied	12		$	1,747
Non owner occupied	—		—
Commercial real estate	1		1,134
Commercial real estate - purchased whole loans	—		—
Construction & land development	—		—
Commercial & industrial	—		—
Warehouse lines of credit	—		—
Home equity	2		28
Consumer:
Credit cards	—		—
Overdrafts	—		—
Other consumer	—		—
Total	15		$	2,909
Three Months Ended	Number of		Recorded
March 31, 2013 (dollars in thousands)	Loans		Investment
Residential real estate:
Owner occupied	31		$	3,154
Non owner occupied	—		—
Commercial real estate	1		1,763
Commercial real estate - purchased whole loans	—		—
Construction & land development	—		—
Commercial & industrial	3		329
Warehouse lines of credit	—		—
Home equity	6		367
Consumer:
Credit cards	—		—
Overdrafts	—		—
Other consumer	4		77
Total	45		$	5,690

DEPOSITS

DEPOSITS	3 Months Ended
	Mar. 31, 2014
DEPOSITS	'
DEPOSITS	'
	4.                                      DEPOSITS
	Ending deposit balances at March 31, 2014 and December 31, 2013 were as follows:
	(in thousands)	March 31, 2014		December 31, 2013
	Demand	$	663,203	$	651,134
	Money market accounts	485,218		479,569
	Brokered money market accounts	33,537		35,533
	Savings	85,854		78,020
	Individual retirement accounts*	27,891		28,767
	Time deposits, $100,000 and over*	74,609		67,255
	Other certificates of deposit*	71,470		75,516
	Brokered certificates of deposit*(1)	74,268		86,421
	Total interest-bearing deposits	1,516,050		1,502,215
	Total non interest-bearing deposits	568,162		488,642
	Total deposits	$	2,084,212	$	1,990,857
	(*) — Represents a time deposit.
	(1) — Includes brokered deposits less than, equal to and greater than $100,000.

FEDERAL_HOME_LOAN_BANK_FHLB_AD

FEDERAL HOME LOAN BANK (FHLB) ADVANCES	3 Months Ended
	Mar. 31, 2014
FEDERAL HOME LOAN BANK ("FHLB") ADVANCES	'
FEDERAL HOME LOAN BANK ("FHLB") ADVANCES	'
	5.                                      FEDERAL HOME LOAN BANK (“FHLB”) ADVANCES
	At March 31, 2014 and December 31, 2013, FHLB advances were as follows:
	(in thousands)	March 31, 2014		December 31, 2013
	Fixed interest rate advances with a weighted average interest rate of 1.91% due through 2021	$	482,000	$	505,000
	Putable fixed interest rate advances with a weighted average interest rate of 4.39% due through 2017(1)	100,000		100,000
	Total FHLB advances	$	582,000	$	605,000
	(1) - Represents putable advances with the FHLB. These advances have original fixed rate periods ranging from one to five years with original maturities ranging from three to ten years if not put back to the Bank earlier by the FHLB. At the end of their respective fixed rate periods and on a quarterly basis thereafter, the FHLB has the right to require payoff of the advances by the Bank at no penalty. Based on market conditions at this time, the Bank does not believe that any of its putable advances are likely to be “put back” to the Bank in the short-term by the FHLB.
	Each FHLB advance is payable at its maturity date, with a prepayment penalty for fixed rate advances that are paid off earlier than maturity. FHLB advances are collateralized by a blanket pledge of eligible real estate loans. At March 31, 2014 and December 31, 2013, Republic had available collateral to borrow an additional $316 million and $282 million, respectively, from the FHLB. In addition to its borrowing line with the FHLB, Republic also had unsecured lines of credit totaling $166 million available through various other financial institutions as of March 31, 2014 and December 31, 2013.
	Aggregate future principal payments on FHLB advances and the weighted average cost of such advances, based on contractual maturity dates are detailed below:
				Weighted
				Average
	Year (dollars in thousands)	Principal		Rate
	2014	140,000		2.53	%
	2015	10,000		2.48	%
	2016	82,000		1.74	%
	2017	145,000		3.44	%
	2018	97,500		1.5	%
	Thereafter	107,500		1.8	%
	Total	$	582,000	2.34	%
	The following table illustrates real estate loans pledged to collateralize advances and letters of credit with the FHLB:
	(in thousands)	March 31, 2014		December 31, 2013
	First lien, single family residential real estate	$	1,097,143	$	1,082,624
	Home equity lines of credit	105,579		105,957
	Multi-family commercial real estate	15,194		13,124

FAIR_VALUE

FAIR VALUE	3 Months Ended
	Mar. 31, 2014
FAIR VALUE	'
FAIR VALUE	'
	6.             FAIR VALUE
	Fair value represents the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values:
	Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.
	Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.
	Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.
	The Bank used the following methods and significant assumptions to estimate the fair value of each type of financial instrument:
	Securities available for sale: Quoted market prices in an active market are available for the Bank’s mutual fund investment and fall within Level 1 of the fair value hierarchy. Except for the Bank’s mutual fund investment and its private label mortgage backed security, the fair value of securities available for sale is typically determined by matrix pricing, which is a mathematical technique used widely in the industry to value debt securities without relying exclusively on quoted prices for the specific securities, but rather by relying on the securities’ relationship to other benchmark quoted securities (Level 2 inputs). With the exception of the mutual fund investment and the private label mortgage backed security, all securities available for sale are classified as Level 2 in the fair value hierarchy.
	The Bank’s private label mortgage backed security remains illiquid, and as such, the Bank classifies this security as a Level 3 security in accordance with ASC Topic 820, “Fair Value Measurements and Disclosures.” Based on this determination, the Bank utilized an income valuation model (present value model) approach in determining the fair value of this security.
	See in this section of the filing under Footnote 2 “Investment Securities” for additional discussion regarding the Bank’s private label mortgage backed security.
	Mortgage loans held for sale: The fair value of mortgage loans held for sale is determined using quoted secondary market prices. Mortgage loans held for sale are classified as Level 2 in the fair value hierarchy.
	Derivative instruments: Mortgage Banking derivatives used in the ordinary course of business primarily consist of mandatory forward sales contracts (“forward contracts”) and rate lock loan commitments. The fair value of the Bank’s derivative instruments is primarily measured by obtaining pricing from broker-dealers recognized to be market participants. The pricing is derived from market observable inputs that can generally be verified and do not typically involve significant judgment by the Bank. Forward contracts and rate lock loan commitments are classified as Level 2 in the fair value hierarchy.
	Interest rate swap agreements used for interest rate risk management: Interest rate swaps are recorded at fair value on a recurring basis. The Company utilizes interest rate swap agreements as part of the management of interest rate risk to modify the repricing characteristics of certain portions of the Company’s interest-bearing liabilities. The Company values its interest rate swaps using Bloomberg Valuation Service’s derivative pricing functions and therefore classifies such valuations as Level 2. Valuations of these interest rate swaps are also received from the relevant counterparty and validated against internal calculations. The Company has considered counterparty credit risk in the valuation of its interest rate swap assets and has considered its own credit risk in the valuation of its interest rate swap liabilities.
	Impaired Loans: Collateral dependent impaired loans generally reflect partial charge-downs to their respective fair value, which is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value. Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, resulting in a Level 3 fair value classification. Collateral dependent loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.
	Other Real Estate Owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches, including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments may be significant and typically result in a Level 3 classification of the inputs for determining fair value.
	Appraisals for both collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Bank. Once the appraisal is received, a member of the Bank’s Credit Administration Department reviews the assumptions and approaches utilized in the appraisal, as well as the overall resulting fair value in comparison with independent data sources, such as recent market data or industry-wide statistics. On an annual basis, the Bank compares the actual selling price of collateral that has been sold to the most recent appraised value to determine what additional adjustment, if any, should be made to the appraisal value to arrive at an estimated fair value.
	Mortgage Servicing Rights: On a monthly basis, mortgage servicing rights are evaluated for impairment based upon the fair value of the MSRs as compared to carrying amount. If the carrying amount of an individual grouping exceeds fair value, impairment is recorded and the respective individual tranche is carried at fair value. If the carrying amount of an individual grouping does not exceed fair value, impairment is reversed if previously recognized and the carrying value of the individual tranche is based on the amortization method. The valuation model utilizes assumptions that market participants would use in estimating future net servicing income and that can generally be validated against available market data (Level 2).
	Assets and liabilities measured at fair value on a recurring basis, including financial assets and liabilities for which the Bank has elected the fair value option, are summarized below:
		Fair Value Measurements at
		March 31, 2014 Using:
		Quoted Prices in			Significant
		Active Markets			Other			Significant
		for Identical			Observable			Unobservable		Total
		Assets			Inputs			Inputs		Fair
	(in thousands)	(Level 1)			(Level 2)			(Level 3)		Value
	Financial assets:
	Securities available for sale:
	U.S. Treasury securities and U.S. Government agencies	$	—		$	98,558		$	—	$	98,558
	Private label mortgage backed security	—			—			5,270		5,270
	Mortgage backed securities - residential	—			142,264			—		142,264
	Collateralized mortgage obligations	—			154,301			—		154,301
	Mutual fund	1,000			—			—		1,000
	Corporate bonds	—			15,032			—		15,032
	Total securities available for sale	$	1,000		$	410,155		$	5,270	$	416,425
	Mortgage loans held for sale	$	—		$	2,414		$	—	$	2,414
	Rate lock commitments	—			158			—		158
	Mandatory forward contracts	—			7			—		7
	Financial liabilities:
	Interest rate swap agreements	—			69			—		69
		Fair Value Measurements at
		December 31, 2013 Using:
		Quoted Prices in			Significant
		Active Markets			Other			Significant
		for Identical			Observable			Unobservable		Total
		Assets			Inputs			Inputs		Fair
	(in thousands)	(Level 1)			(Level 2)			(Level 3)		Value
	Financial assets:
	Securities available for sale:
	U.S. Treasury securities and U.S. Government agencies	$	—		$	97,465		$	—	$	97,465
	Private label mortgage backed security	—			—			5,485		5,485
	Mortgage backed securities - residential	—			150,087			—		150,087
	Collateralized mortgage obligations	—			163,946			—		163,946
	Mutual fund	995			—			—		995
	Corporate bonds	—			14,915			—		14,915
	Total securities available for sale	$	995		$	426,413		$	5,485	$	432,893
	Mortgage loans held for sale	$	—		$	3,506		$	—	$	3,506
	Rate lock commitments	—			77			—		77
	Mandatory forward contracts	—			12			—		12
	Interest rate swap agreements	—			170			—		170
	All transfers between levels are generally recognized at the end of each quarter. There were no transfers into or out of Level 1, 2 or 3 assets during the three months ended March 31, 2014 and 2013.
	Private Label Mortgage Backed Security
	The table below presents a reconciliation of the Bank’s private label mortgage backed security. This is the only asset that was measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the periods ended March 31, 2014 and 2013:
		Three Months Ended
		March 31,
(in thousands)	2014			2013
Balance, beginning of period	$	5,485		$	5,687
Total gains or losses included in earnings:
Net change in unrealized gain	54			184
Recovery of actual losses previously recorded	32			—
Principal paydowns	(301		)	(183		)
Balance, end of period	$	5,270		$	5,688
The Bank’s single private label mortgage backed security is supported by analysis prepared by an independent third party. The third party’s approach to determining fair value involved several steps: 1) detailed collateral analysis of the underlying mortgages, including consideration of geographic location, original loan-to-value and the weighted average Fair Isaac Corporation (“FICO”) score of the borrowers; 2) collateral performance projections for each pool of mortgages underlying the security (probability of default, severity of default, and prepayment probabilities) and 3) discounted cash flow modeling.
The following table presents quantitative information about recurring Level 3 fair value measurements at March 31, 2014 and December 31, 2013:
	Fair			Valuation
March 31, 2014 (dollars in thousands)	Value			Technique		Unobservable Inputs		Range
Private label mortgage backed security	$	5,270		Discounted cash flow		(1) Constant prepayment rate		3.0% - 6.5%
						(2) Probability of default		3.0% - 9.0%
						(2) Loss severity		55% - 70%
	Fair			Valuation
December 31, 2013 (dollars in thousands)	Value			Technique		Unobservable Inputs		Range
Private label mortgage backed security	$	5,485		Discounted cash flow		(1) Constant prepayment rate		2.5% - 6.5%
						(2) Probability of default		3.0% - 7.0%
						(2) Loss severity		55% - 75%
The significant unobservable inputs in the fair value measurement of the Bank’s single private label mortgage backed security are prepayment rates, probability of default and loss severity in the event of default. Significant fluctuations in any of those inputs in isolation would result in a significantly lower/higher fair value measurement.
Assets measured at fair value on a non-recurring basis are summarized below:
	Fair Value Measurements at
	March 31, 2014 Using:
	Quoted Prices in			Significant
	Active Markets			Other			Significant
	for Identical			Observable			Unobservable		Total
	Assets			Inputs			Inputs		Fair
(in thousands)	(Level 1)			(Level 2)			(Level 3)		Value
Impaired loans:
Residential real estate:
Owner occupied	$	—		$	—		$	2,199	$	2,199
Commercial real estate	—			—			5,131		5,131
Home equity	—			—			1,170		1,170
Total impaired loans *	$	—		$	—		$	8,500	$	8,500
Other real estate owned:
Residential real estate	$	—		$	—		$	505	$	505
Commercial real estate	—			—			4,199		4,199
Construction & land development	—			—			4,299		4,299
Total other real estate owned	$	—		$	—		$	9,003	$	9,003
	Fair Value Measurements at
	December 31, 2013 Using:
	Quoted Prices in			Significant
	Active Markets			Other			Significant
	for Identical			Observable			Unobservable		Total
	Assets			Inputs			Inputs		Fair
(in thousands)	(Level 1)			(Level 2)			(Level 3)		Value
Impaired loans:
Residential real estate:
Owner occupied	$	—		$	—		$	2,020	$	2,020
Commercial real estate	—			—			5,488		5,488
Home equity	—			—			1,030		1,030
Total impaired loans *	$	—		$	—		$	8,538	$	8,538
Other real estate owned:
Residential real estate	$	—		$	—		$	1,716	$	1,716
Commercial real estate	—			—			507		507
Construction & land development	—			—			6,195		6,195
Total other real estate owned	$	—		$	—		$	8,418	$	8,418
* - The impaired loan balances in the preceding two tables exclude TDRs which are not collateral dependent. The difference between the carrying value and the fair value of impaired loans measured at fair value is reconciled in a subsequent table of this Footnote and represents estimated selling costs to liquidate the underlying collateral on such loans.
The following tables present quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at March 31, 2014 and December 31, 2013:
								Range
	Fair			Valuation		Unobservable		(Weighted
March 31, 2014 (dollars in thousands)	Value			Technique		Inputs		Average)
Impaired loans - residential real estate	$	2,199		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 22% (3%)
Impaired loans - commercial real estate	$	5,131		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 25% (3%)
Impaired loans - home equity	$	1,170		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 22% (6%)
Other real estate owned - residential real estate	$	505		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		47% (47%)
Other real estate owned - commercial real estate	$	4,199		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		22% - 34% (23%)
Other real estate owned - construction & land development	$	1,279		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		15% - 143% (39%)
	$	3,020		Income approach		Adjustments for differences between net operating income expectations		19% (19%)
								Range
	Fair			Valuation		Unobservable		(Weighted
December 31, 2013 (dollars in thousands)	Value			Technique		Inputs		Average)
Impaired loans - residential real estate	$	2,020		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		2% - 22% (7%)
Impaired loans - commercial real estate	$	5,488		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 30% (19%)
Impaired loans - home equity	$	1,030		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 10% (2%)
Other real estate owned - residential real estate	$	1,716		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		10% - 53% (30%)
Other real estate owned - commercial real estate	$	507		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		23% - 33% (29%)
Other real estate owned - construction & land development	$	2,236		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		17% - 58% (43%)
	$	3,959		Income approach		Adjustments for differences between net operating income expectations		21% (21%)
The following section details impairment charges recognized during the period:
Impaired Loans
Collateral dependent impaired loans are generally measured for impairment using the fair market value for reasonable disposition of the underlying collateral. The Bank’s practice is to obtain new or updated appraisals on the loans subject to the initial impairment review and then to evaluate the need for an update to this value on an as necessary or possibly annual basis thereafter (depending on the market conditions impacting the value of the collateral). The Bank may discount the appraisal amount as necessary for selling costs and past due real estate taxes. If a new or updated appraisal is not available at the time of a loan’s impairment review, the Bank may apply a discount to the existing value of an old appraisal to reflect the property’s current estimated value if it is believed to have deteriorated in either: (i) the physical or economic aspects of the subject property or (ii) material changes in market conditions. The impairment review generally results in a partial charge-off of the loan if fair value less selling costs are below the loan’s carrying value. Impaired loans that are collateral dependent are classified within Level 3 of the fair value hierarchy when impairment is determined using the fair value method.
The following section details impairment charges recognized during the period:
Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans are as follows:
(in thousands)	March 31, 2014			December 31, 2013
Carrying amount of loans measured at fair value	$	7,603		$	7,629
Estimated selling costs considered in carrying amount	897			909
Total fair value	$	8,500		$	8,538
Other Real Estate Owned
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. The fair value of the Bank’s other real estate owned properties equaled or exceeded their carrying value on an individual basis at March 31, 2014 and December 31, 2013.
Details of other real estate owned carrying value and write downs follows:
(in thousands)	March 31, 2014			December 31, 2013
Carrying value of other real estate owned	$	16,914		$	17,102
	Three Months Ended
	March 31,
(in thousands)	2014			2013
Other real estate owned write-downs	$	884		$	366
Mortgage Servicing Rights
MSRs are carried at lower of cost or fair value. No MSRs were carried at fair value at March 31, 2014 and December 31, 2013.
Adjustments to mortgage banking income recorded due to the valuation of MSRs for the three months ended March 31, 2014 and 2013 follow:
	Three Months Ended
	March 31,
(in thousands)	2014			2013
Credit to mortgage banking income due to impairment evaluation	$	—		$	(152	)
Mortgage Loans Held for Sale
The Bank has elected the fair value option for mortgage loans held for sale. These loans are intended for sale and the Bank believes that the fair value is the best indicator of the resolution of these loans. Interest income is recorded based on the contractual terms of the loan and in accordance with Bank policy for such instruments. None of these loans were past due 90-days-or-more nor on nonaccrual as of March 31, 2014 and December 31, 2013.
As of March 31, 2014 and December 31, 2013, the aggregate fair value, contractual balance (including accrued interest), and gain or loss was as follows:
(in thousands)	March 31, 2014			December 31, 2013
Aggregate fair value	$	2,414		$	3,506
Contractual balance	2,360			3,417
Gain	54			89
The total amount of gains and losses from changes in fair value included in earnings for the three months ended March 31, 2014 and 2013 for mortgage loans held for sale are presented in the following table:
	Three Months Ended
	March 31,
(in thousands)	2014			2013
Interest income	$	46		$	113
Change in fair value	(35		)	134
Total change in fair value	$	11		$	247
The carrying amounts and estimated fair values of all financial instruments, at March 31, 2014 and December 31, 2013 follows:
				Fair Value Measurements at
				March 31, 2014:
											Total
	Carrying										Fair
(in thousands)	Value			Level 1			Level 2		Level 3		Value
Assets:
Cash and cash equivalents	$	343,386		$	343,386		$	—	$	—	$	343,386
Securities available for sale	416,929			1,000			410,155		5,270		416,425
Securities to be held to maturity	49,073			—			49,138		—		49,138
Mortgage loans held for sale, at fair value	2,414			—			2,414		—		2,414
Loans, net	2,551,967			—			—		2,584,302		2,584,302
Federal Home Loan Bank stock	28,310			—			—		—		N/A
Mortgage servicing rights	5,227			—			7,237		—		7,237
Accrued interest receivable	8,002			—			8,002		—		8,002
Liabilities:
Non interest-bearing deposits	568,162			—			568,162		—		568,162
Transaction deposits	1,267,812			—			1,267,812		—		1,267,812
Time deposits	248,238			—			249,401		—		249,401
Securities sold under agreements to repurchase and other short-term borrowings	222,174			—			222,174		—		222,174
Federal Home Loan Bank advances	582,000			—			594,936		—		594,936
Subordinated note	41,240			—			37,751		—		37,751
Accrued interest payable	1,347			—			1,347		—		1,347
				Fair Value Measurements at
				December 31, 2013:
											Total
	Carrying										Fair
(in thousands)	Value			Level 1			Level 2		Level 3		Value
Assets:
Cash and cash equivalents	$	170,863		$	170,863		$	—	$	—	$	170,863
Securities available for sale	432,893			995			426,413		5,485		432,893
Securities to be held to maturity	50,644			—			50,768		—		50,768
Mortgage loans held for sale, at fair value	3,506			—			3,506		—		3,506
Loans, net	2,566,766			—			—		2,585,476		2,585,476
Federal Home Loan Bank stock	28,342			—			—		—		N/A
Mortgage servicing rights	5,409			—			7,337		—		7,337
Accrued interest receivable	8,272			—			8,272		—		8,272
Liabilities:
Non interest-bearing deposits	488,642			—			488,642		—		488,642
Transaction deposits	1,244,256			—			1,244,256		—		1,244,256
Time deposits	257,959			—			259,345		—		259,345
Securities sold under agreements to repurchase and other short-term borrowings	165,555			—			165,555		—		165,555
Federal Home Loan Bank advances	605,000			—			618,064		—		618,064
Subordinated note	41,240			—			38,020		—		38,020
Accrued interest payable	1,459			—			1,459		—		1,459
Fair value estimates are based on existing on and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the Bank’s estimates.
The assumptions used in the estimation of the fair value of the Company’s financial instruments are explained below. Where quoted market prices are not available, fair values are based on estimates using discounted cash flow and other valuation techniques. Discounted cash flows can be significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. The following fair value estimates cannot be substantiated by comparison to independent markets and should not be considered representative of the liquidation value of the Company’s financial instruments, but rather a good-faith estimate of the fair value of financial instruments held by the Company.
The following not previously disclosed methods and assumptions were used by the Company in estimating the fair value of its financial instruments:
Cash and cash equivalents — The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1.
Loans, net of Allowance — The fair value of loans is calculated using discounted cash flows by loan type resulting in a Level 3 classification. The discount rate used to determine the present value of the loan portfolio is an estimated market rate that reflects the credit and interest rate risk inherent in the loan portfolio without considering widening credit spreads due to market illiquidity. The estimated maturity is based on the Bank’s historical experience with repayments adjusted to estimate the effect of current market conditions. The Allowance is considered a reasonable discount for credit risk. The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.
Federal Home Loan Bank stock — It is not practical to determine the fair value of FHLB stock due to restrictions placed on its transferability.
Accrued interest receivable/payable — The carrying amounts of accrued interest, due to their short-term nature, approximate fair value resulting in a Level 2 classification.
Deposits — Fair values for certificates of deposit have been determined using discounted cash flows. The discount rate used is based on estimated market rates for deposits of similar remaining maturities and are classified as Level 2. The carrying amounts of all other deposits, due to their short-term nature, approximate their fair values and are also classified as Level 2.
Securities sold under agreements to repurchase — The carrying amount for securities sold under agreements to repurchase generally maturing within ninety days approximates its fair value resulting in a Level 2 classification.
Federal Home Loan Bank advances — The fair value of the FHLB advances is obtained from the FHLB and is calculated by discounting contractual cash flows using an estimated interest rate based on the current rates available to the Company for debt of similar remaining maturities and collateral terms resulting in a Level 2 classification.
Subordinated note — The fair value for subordinated debentures is calculated using discounted cash flows based upon current market spreads to London Interbank Borrowing Rate (“LIBOR”) for debt of similar remaining maturities and collateral terms resulting in a Level 2 classification.
The fair value estimates presented herein are based on pertinent information available to management as of the respective period ends. Although management is not aware of any factors that would dramatically affect the estimated fair value amounts, such amounts have not been comprehensively revalued for purposes of these financial statements since that date and, therefore, estimates of fair value may differ significantly from the amounts presented.

MORTGAGE_BANKING_ACTIVITIES

MORTGAGE BANKING ACTIVITIES	3 Months Ended
	Mar. 31, 2014
MORTGAGE BANKING ACTIVITIES	'
MORTGAGE BANKING ACTIVITIES	'
	7.                                      MORTGAGE BANKING ACTIVITIES
	Activity for mortgage loans held for sale was as follows:
	March 31, (in thousands)	2014			2013
	Balance, January 1	$	3,506		$	10,614
	Origination of mortgage loans held for sale	14,110			84,593
	Proceeds from the sale of mortgage loans held for sale	(15,700		)	(77,765		)
	Net gain on sale of mortgage loans held for sale	498			3,284
	Balance, March 31	$	2,414		$	20,726
	The following table presents the components of Mortgage Banking income:
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Net gain realized on sale of mortgage loans held for sale	$	458		$	2,238
	Net change in fair value recognized on loans held for sale	(35		)	134
	Net change in fair value recognized on rate lock commitments	80			1,133
	Net change in fair value recognized on forward contracts	(5		)	(221		)
	Net gain recognized	498			3,284
	Loan servicing income	302			546
	Amortization of mortgage servicing rights	(314		)	(708		)
	Change in mortgage servicing rights valuation allowance	—			152
	Net servicing income recognized	(12		)	(10		)
	Total Mortgage Banking income	$	486		$	3,274
	Activity for capitalized mortgage servicing rights was as follows:
	March 31, (in thousands)	2014			2013
	Balance, January 1	$	5,409		$	4,777
	Additions	132			637
	Amortized to expense	(314		)	(708		)
	Change in valuation allowance	—			152
	Balance, March 31	$	5,227		$	4,858
	Activity for the valuation allowance for capitalized mortgage servicing rights was as follows:
	March 31, (in thousands)	2014			2013
	Balance, January 1	$	—		$	(345	)
	Additions	—			—
	Reductions credited to operations	—			152
	Balance, March 31	$	—		$	(193	)
	Other information relating to mortgage servicing rights follows:
	(dollars in thousands)	March 31, 2014			December 31, 2013
	Fair value of mortgage servicing rights portfolio	$	7,237		$	7,337
	Prepayment speed range	112% - 462%			105% - 550%
	Discount rate	10%			10%
	Weighted average default rate	1.50%			1.50%
	Weighted average life in years	6.15			6.17
	Mortgage Banking derivatives used in the ordinary course of business primarily consist of mandatory forward sales contracts and rate lock loan commitments. Mandatory forward contracts represent future commitments to deliver loans at a specified price and date and are used to manage interest rate risk on loan commitments and mortgage loans held for sale. Rate lock loan commitments represent commitments to fund loans at a specific rate. These derivatives involve underlying items, such as interest rates, and are designed to transfer risk. Substantially all of these instruments expire within 90 days from the date of issuance. Notional amounts are amounts on which calculations and payments are based, but which do not represent credit exposure, as credit exposure is limited to the amounts required to be received or paid.
	Mandatory forward contracts also contain an element of risk in that the counterparties may be unable to meet the terms of such agreements. In the event the counterparties fail to deliver commitments or are unable to fulfill their obligations, the Bank could potentially incur significant additional costs by replacing the positions at then current market rates. The Bank manages its risk of exposure by limiting counterparties to those banks and institutions deemed appropriate by management and the Board of Directors. The Bank does not expect any counterparty to default on their obligations and therefore, the Bank does not expect to incur any cost related to counterparty default.
	The Bank is exposed to interest rate risk on loans held for sale and rate lock loan commitments. As market interest rates fluctuate, the fair value of mortgage loans held for sale and rate lock commitments will decline or increase. To offset this interest rate risk, the Bank enters into derivatives such as mandatory forward contracts to sell loans. The fair value of these mandatory forward contracts will fluctuate as market interest rates fluctuate, and the change in the value of these instruments is expected to largely, though not entirely, offset the change in fair value of loans held for sale and rate lock commitments. The objective of this activity is to minimize the exposure to losses on rate loan lock commitments and loans held for sale due to market interest rate fluctuations. The net effect of derivatives on earnings will depend on risk management activities and a variety of other factors, including market interest rate volatility, the amount of rate lock commitments that close, the ability to fill the forward contracts before expiration, and the time period required to close and sell loans.
	The following table includes the notional amounts and fair values of mortgage loans held for sale and mortgage banking derivatives as of the period ends presented:
		March 31, 2014						December 31, 2013
	(in thousands)	Notional			Fair Value			Notional		Fair Value
		Amount						Amount
	Included in Mortgage loans held for sale:
	Mortgage loans held for sale	$	2,360		$	2,414		$	3,417	$	3,506
	Included in other assets:
	Rate lock loan commitments	$	7,054		$	158		$	4,393	$	77
	Mandatory forward contracts	6,617			7			5,571		12
	Total included in other assets	$	13,671		$	165		$	9,964	$	89

INTEREST_RATE_SWAPS

INTEREST RATE SWAPS	3 Months Ended
	Mar. 31, 2014
INTEREST RATE SWAPS	'
INTEREST RATE SWAPS	'
	8.                                      INTEREST RATE SWAPS
	During the fourth quarter of 2013, the Bank entered into two interest rate swap agreements as part of its interest rate risk management strategy. The Bank designated the swaps as cash flow hedges intended to reduce the variability in cash flows attributable to either FHLB advances tied to the three-month LIBOR or the overall changes in cash flows on certain money market deposit accounts.  The counterparty for both swaps met the Bank’s credit standards and the Bank believes that the credit risk inherent in the swap contracts is not significant.
	The swaps were determined to be fully effective during all periods presented; therefore, no amount of ineffectiveness was included in net income. The aggregate fair value of the swaps is recorded in other assets with changes in fair value recorded in other comprehensive income (“OCI”). The amount included in accumulated OCI would be reclassified to current earnings should the hedge no longer be considered effective. The Bank expects the hedges to remain fully effective during the remaining term of the swaps.
	Summary information about swaps designated as cash flow hedges as of March 31, 2014 and December 31, 2013 follows:
	(dollars in thousands)	March 31, 2014			December 31, 2013
	Notional amount	$	20,000		$	20,000
	Weighted average pay rate	2.25		%	2.25		%
	Weighted average receive rate	0.19		%	0.21		%
	Weighted average maturity in years	7			7
	Unrealized gain (loss)	$	(69	)	$	170
	Fair value of security pledged as collateral	$	343		$	—
	The following table reflects the total interest expense recorded on these swap transactions in the consolidated statements of income during the three months ended March 31, 2014 and 2013:
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Interest expense on deposits related to money market swap transaction	$	49		$	—
	Interest expense on FHLB advances related to FHLB swap transaction	51			—
	Total interest expense on swap transactions	$	100		$	—
	The following tables present the net losses recorded in accumulated OCI and the consolidated statements of income relating to the swaps for the three months ended March 31, 2014 and 2013:
	March 31, 2014 (in thousands)	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
		(Loss) Recognized			Reclassified from			(Loss) Recognized in
		in Other			Accumulated Other			Income on Derivative
		Comprehensive			Comprehensive Income			(Ineffective Portion)
		Income on			on Derivative (Effective
		Derivative			Portion)
		(Effective Portion)
	Cash flow hedges - interest rate swaps	$	(156	)	$	—		$	—
	March 31, 2013 (in thousands)	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
		Recognized in Other			Reclassified from			(Loss) Recognized in
		Comprehensive			Accumulated Other			Income on Derivative
		Income on			Comprehensive Income			(Ineffective Portion)
		Derivative			on Derivative (Effective
		(Effective Portion)			Portion)
	Cash flow hedges - interest rate swaps	$	—		$	—		$	—
	The following table reflects the cash flow hedges included in the consolidated balance sheet as of March 31, 2014 and December 31, 2013:
		March 31, 2014						December 31, 2013
	(in thousands)	Notional			Fair Value			Notional		Fair Value
		Amount						Amount
	Fair value included in other assets:
	Cash flow hedges - interest rate swaps	$	—		$	—		$	20,000	$	170
	Fair value included in other liabilities:
	Cash flow hedges - interest rate swaps	$	20,000		$	69		$	—	$	—

OFF_BALANCE_SHEET_RISKS_COMMIT

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES	3 Months Ended
	Mar. 31, 2014
OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES	'
OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES	'
	9.                                            OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES
	The Bank, in the normal course of business, is party to financial instruments with off balance sheet risk. These financial instruments primarily include commitments to extend credit and standby letters of credit. The contract or notional amounts of these instruments reflect the potential future obligations of the Bank pursuant to those financial instruments. Creditworthiness for all instruments is evaluated on a case by case basis in accordance with the Bank’s credit policies. Collateral from the customer may be required based on the Bank’s credit evaluation of the customer and may include business assets of commercial customers, as well as personal property and real estate of individual customers or guarantors.
	The Bank also extends binding commitments to customers and prospective customers. Such commitments assure the borrower of financing for a specified period of time at a specified rate. The risk to the Bank under such loan commitments is limited by the terms of the contracts. For example, the Bank may not be obligated to advance funds if the customer’s financial condition deteriorates or if the customer fails to meet specific covenants. An approved but unfunded loan commitment represents a potential credit risk once the funds are advanced to the customer. Unfunded loan commitments also represent liquidity risk since the customer may demand immediate cash that would require funding and interest rate risk as market interest rates may rise above the rate committed. In addition, since a portion of these loan commitments normally expire unused, the total amount of outstanding commitments at any point in time may not require future funding. Loan commitments generally have open-ended maturities and variable rates.
	The table below presents the Bank’s commitments, exclusive of Mortgage Banking loan commitments for each year ended:
	(in thousands)	March 31, 2014		December 31, 2013
	Unused warehouse lines of credit	$	199,238	$	208,424
	Unused home equity lines of credit	230,395		230,361
	Unused loan commitments - other	198,599		178,776
	Standby letters of credit	13,068		2,308
	FHLB letters of credit	3,750		3,200
	Total commitments	$	645,050	$	623,069
	Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. The terms and risk of loss involved in issuing standby letters of credit are similar to those involved in issuing loan commitments and extending credit. In addition to credit risk, the Bank also has liquidity risk associated with standby letters of credit because funding for these obligations could be required immediately. The Bank does not deem this risk to be material.
	At March 31, 2014 and December 31, 2013, the Bank had letters of credit from the FHLB issued on behalf of a RB&T client. This letter of credit was used as a credit enhancement for client bond offerings and reduced RB&T’s available borrowing line at the FHLB. The Bank uses a blanket pledge of eligible real estate loans to secure these letters of credit.
	Legal Proceedings
	As previously disclosed, on August 1, 2011, a lawsuit was filed in the U.S. District Court for the Western District of Kentucky styled Brenda Webb vs. Republic Bank & Trust Company d/b/a Republic Bank, Civil Action No. 3:11-CV-00423-TBR. The Complaint was brought as a putative class action and sought monetary damages, restitution and declaratory relief allegedly arising from the manner in which RB&T assessed overdraft fees.  To update the disclosure set forth in Republic’s Form 10-K for the year ended December 31, 2013; during March 2014, the parties signed a Settlement Agreement that provided for the dismissal of the lawsuit.  In April 2014, the Court entered an agreed order dismissing the case.  Costs to settle the litigation were accrued by the Company during the first quarter of 2014 and paid during the second quarter of 2014.  Such costs did not have a material effect on the Company’s financial position or results of operations during the first quarter of 2014.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE	'
EARNINGS PER SHARE	'
	10.                               EARNINGS PER SHARE
	Class A and Class B shares participate equally in undistributed earnings. The difference in earnings per share between the two classes of common stock results solely from the 10% per share cash dividend premium paid on Class A Common Stock over that paid on Class B Common Stock.
	A reconciliation of the combined Class A and Class B Common Stock numerators and denominators of the earnings per share and diluted earnings per share computations is presented below:
		Three Months Ended
		March 31
	(in thousands, except per share data)	2014			2013
	Net income	$	11,984		$	13,356
	Weighted average shares outstanding	20,796			20,864
	Effect of dilutive securities	97			69
	Average shares outstanding including dilutive securities	20,893			20,933
	Basic earnings per share:
	Class A Common Share	$	0.58		$	0.64
	Class B Common Share	$	0.56		$	0.63
	Diluted earnings per share:
	Class A Common Share	$	0.58		$	0.64
	Class B Common Share	$	0.56		$	0.62
	Stock options excluded from the detailed earnings per share calculation because their impact was antidilutive are as follows:
		Three Months Ended
		March 31,
		2014		2013
	Antidilutive stock options	15,500		128,450
	Average antidilutive stock options	15,500		128,450

SEGMENT_INFORMATION

SEGMENT INFORMATION	3 Months Ended
	Mar. 31, 2014
SEGMENT INFORMATION	'
SEGMENT INFORMATION	'
	11.                                     SEGMENT INFORMATION
	Reportable segments are determined by the type of products and services offered and the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business (such as banking centers and subsidiary banks), which are then aggregated if operating performance, products/services, and customers are similar.
	As of March 31, 2014, the Company was divided into three distinct business operating segments: Traditional Banking, Mortgage Banking and Republic Processing Group (“RPG”). Along with the Tax Refund Solutions (“TRS”) division, Republic Payment Solutions (“RPS”) and Republic Credit Solutions (“RCS”) operate as divisions of the RPG segment.
	Nationally, through RB&T, RPG facilitates the receipt and payment of federal and state tax refund products under the TRS division. Through RB, the RPS division is an issuing bank offering general purpose reloadable prepaid debit cards through third party program managers. Through RB&T and RB, the RCS division is piloting short-term consumer credit products.
	Loans, investments and deposits provide the majority of the net revenue from Traditional Banking operations, while servicing fees and loan sales provide the majority of revenue from Mortgage Banking operations. Net refund transfer fees provide the majority of revenue for RPG. All Company operations are domestic.
	The accounting policies used for Republic’s reportable segments are the same as those described in the summary of significant accounting policies in the Company’s 2013 Annual Report on Form 10-K. Segment performance is evaluated using operating income. Goodwill is not allocated. Income taxes are generally allocated based on income before income tax expense when specific segment allocations cannot be reasonably made. Transactions among reportable segments are made at carrying value.
	Segment information for the three months ended March 31, 2014 and 2013 follows:
		Three Months Ended March 31, 2014
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	27,113		$	46		$	145		$	27,304
	Provision for loan losses	(240		)	—			(463		)	(703		)
	Net refund transfer fees	—			—			14,388			14,388
	Mortgage banking income	—			486			—			486
	Other non-interest income	5,819			74			693			6,586
	Total non-interest income	5,819			560			15,081			21,460
	Total non-interest expenses	24,607			1,210			5,127			30,944
	Income before income tax expense	8,565			(604		)	10,562			18,523
	Income tax expense	2,784			(211		)	3,966			6,539
	Net income	$	5,781		$	(393	)	$	6,596		$	11,984
	Segment end of period assets	$	3,441,183		$	8,062		$	57,927		$	3,507,172
	Net interest margin	3.29		%	NM			NM			3.24		%
		Three Months Ended March 31, 2013
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	28,961		$	113		$	56		$	29,130
	Provision for loan losses	(26		)	—			(599		)	(625		)
	Net refund transfer fees	—			—			12,014			12,014
	Mortgage banking income	—			3,274			—			3,274
	Bargain purchase gain - FCB	1,324			—			—			1,324
	Other non-interest income	5,397			8			508			5,913
	Total non-interest income	6,721			3,282			12,522			22,525
	Total non-interest expenses	25,182			863			5,257			31,302
	Income before income tax expense	10,526			2,532			7,920			20,978
	Income tax expense	3,964			886			2,772			7,622
	Net income	$	6,562		$	1,646		$	5,148		$	13,356
	Segment end of period assets	$	3,316,188		$	25,989		$	59,181		$	3,401,358
	Net interest margin	3.6		%	NM			NM			3.55		%
	Segment assets are reported as of the respective period ends while income and margin data are reported for the respective periods.
	NM — Not Meaningful

OTHER_COMPREHENSIVE_INCOME

OTHER COMPREHENSIVE INCOME	3 Months Ended
	Mar. 31, 2014
OTHER COMPREHENSIVE INCOME	'
OTHER COMPREHENSIVE INCOME.	'
	12.                                                       OTHER COMPREHENSIVE INCOME
	OCI components and related tax effects were as follows:
		Three Months Ended
		March 31,
	(in thousands)	2013			2012
	Available for Sale Securities:
	Unrealized gain (loss) on securities available for sale	$	2		$	(398	)
	Change in unrealized gain on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	54			184
	Net unrealized gains (losses)	56			(214		)
	Tax effect	(20		)	75
	Net of tax	36			(139		)
	Cash Flow Hedges:
	Change in fair value of derivatives used for cash flow hedges	(239		)	—
	Reclassification adjustment for gains realized in income	—			—
	Net unrealized gains	(239		)	—
	Tax effect	83			—
	Net of tax	(156		)	—
		$	(120	)	$	(139	)
	The following is a summary of the accumulated OCI balances, net of tax:
	(in thousands)	Balance at			Change for Three			Balance at
		December 31, 2013			Months ending			March 31, 2014
					March 31, 2014
	Unrealized gains (losses) on securities available for sale	$	2,526		$	1		$	2,527
	Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	484			35			519
	Unrealized gains on cash flow hedge	111			(156		)	(45		)
		$	3,121		$	(120	)	$	3,001
	(in thousands)	Balance at			Change for Three			Balance at
		December 31, 2012			Months ending			March 31, 2013
					March 31, 2013
	Unrealized gains (losses) on securities available for sale	$	5,610		$	(259	)	$	5,351
	Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	2			120			122
		$	5,612		$	(139	)	$	5,473

BASIS_OF_PRESENTATION_AND_SUMM1

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	3 Months Ended
	Mar. 31, 2014
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
Basis of Presentation	'
	Basis of Presentation — The consolidated financial statements include the accounts of Republic Bancorp, Inc. (the “Parent Company”) and its wholly-owned subsidiaries: Republic Bank & Trust Company (“RB&T”) and Republic Bank (“RB”) (collectively referred together as the “Bank”). Republic Bancorp Capital Trust (“RBCT”) is a Delaware statutory business trust that is a wholly-owned unconsolidated finance subsidiary of Republic Bancorp, Inc. All companies are collectively referred to as “Republic” or the “Company.” All significant intercompany balances and transactions are eliminated in consolidation.
	On January 27, 2014, RB&T filed an application with the Federal Deposit Insurance Corporation (“FDIC”) and the Kentucky Department of Financial Institutions (“KDFI”) to merge RB&T and RB, with RB&T, a Kentucky-based, state chartered non-member institution, being the resulting institution and continuing to operate under the name Republic Bank & Trust Company. The Company expects the merger to be effective in May 2014.
	The accompanying unaudited consolidated financial statements have been prepared in accordance with U.S. generally accepted accounting principles for interim financial information and with the instructions to Form 10-Q and Rule 10-01 of Regulation S-X. Accordingly, the financial statements do not include all of the information and footnotes required by U.S. generally accepted accounting principles (“GAAP”) for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for fair presentation have been included. Operating results for the three months ended March 31, 2014 are not necessarily indicative of the results that may be expected for the year ending December 31, 2014. For further information, refer to the consolidated financial statements and footnotes thereto included in Republic’s Form 10-K for the year ended December 31, 2013.
	As of March 31, 2014, the Company was divided into three distinct business operating segments: Traditional Banking, Mortgage Banking and Republic Processing Group (“RPG”). Tax Refund Solutions (“TRS”), Republic Payment Solutions (“RPS”) and Republic Credit Solutions (“RCS”) operate as divisions of the RPG segment. The RPS and RCS divisions are considered immaterial for segment reporting.
Reclassifications and recasts	'
	Reclassifications and recasts — Certain amounts presented in prior periods have been reclassified to conform to the current period presentation. These reclassifications had no impact on prior years’ net income.

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	3 Months Ended
	Mar. 31, 2014
INVESTMENT SECURITIES	'
Gross Amortized Cost and Fair Value of Securities Available for Sale and Related Gross Unrealized Gains and Losses Recognized in Accumulated Other Comprehensive Income (Loss)	'
		Gross		Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
	March 31, 2014 (in thousands)	Cost		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	98,230	$	382		$	(54	)	$	98,558
	Private label mortgage backed security	4,471		799			—			5,270
	Mortgage backed securities - residential	137,845		4,552			(133		)	142,264
	Collateralized mortgage obligations	155,179		1,077			(1,955		)	154,301
	Mutual fund	1,000		—			—			1,000
	Corporate bonds	15,014		43			(25		)	15,032
	Total securities available for sale	$	411,739	$	6,853		$	(2,167	)	$	416,425
		Gross		Gross			Gross
		Amortized		Unrealized			Unrealized			Fair
	December 31, 2013 (in thousands)	Cost		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	97,157	$	409		$	(101	)	$	97,465
	Private label mortgage backed security	4,740		745			—			5,485
	Mortgage backed securities - residential	146,087		4,288			(288		)	150,087
	Collateralized mortgage obligations	164,264		1,228			(1,546		)	163,946
	Mutual fund	1,000		—			(5		)	995
	Corporate bonds	15,015		50			(150		)	14,915
	Total securities available for sale	$	428,263	$	6,720		$	(2,090	)	$	432,893
Carrying Value, Gross Unrecognized Gains and Losses, and Fair Value of Securities to be Held to Maturity	'
				Gross			Gross
		Carrying		Unrecognized			Unrecognized			Fair
	March 31, 2014 (in thousands)	Value		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	2,293	$	7		$	(12	)	$	2,288
	Mortgage backed securities - residential	416		47			—			463
	Collateralized mortgage obligations	41,868		323			(280		)	41,911
	Corporate bonds	5,000		—			(17		)	4,983
	Total securities held to maturity	$	49,577	$	377		$	(309	)	$	49,645
				Gross			Gross
		Carrying		Unrecognized			Unrecognized			Fair
	December 31, 2013 (in thousands)	Value		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	2,311	$	7		$	(13	)	$	2,305
	Mortgage backed securities - residential	420		43			—			463
	Collateralized mortgage obligations	42,913		387			(184		)	43,116
	Corporate bonds	5,000		—			(116		)	4,884
	Total securities held to maturity	$	50,644	$	437		$	(313	)	$	50,768
Amortized Cost and Fair Value of Investment Securities Portfolio by Contractual Maturity	'
		Securities					Securities
		available for sale					held to maturity
		Amortized		Fair			Carrying			Fair
	March 31, 2014 (in thousands)	Cost		Value			Value			Value
	Due in one year or less	$	24,445	$	24,752		$	504		$	507
	Due from one year to five years	77,799		77,882			1,789			1,781
	Due from five years to ten years	11,000		10,956			5,000			4,983
	Due beyond ten years	—		—			—			—
	Private label mortgage backed security	4,471		5,270			—			—
	Mortgage backed securities - residential	137,845		142,264			416			463
	Collateralized mortgage obligations	155,179		154,301			41,868			41,911
	Mutual fund	1,000		1,000			—			—
	Total securities	$	411,739	$	416,425		$	49,577		$	49,645
Securities with Unrealized Losses, Aggregated by Investment Category with Continuous Unrealized Loss Position	'
		Less than 12 months					12 months or more						Total
	March 31, 2014 (in thousands)	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
				Losses						Losses					Losses
	Securities available for sale:
	U.S. Treasury securities and U.S. Government agencies	$	22,041	$	(54	)	$	—		$	—		$	22,041	$	(54	)
	Mortgage backed securities - residential	8,675		(133		)	—			—			8,675		(133		)
	Collateralized mortgage obligations	44,545		(1,151		)	7,443			(804		)	51,988		(1,955		)
	Corporate bonds	9,975		(25		)	—			—			9,975		(25		)
	Total securities available for sale	$	85,236	$	(1,363	)	$	7,443		$	(804	)	$	92,679	$	(2,167	)
		Less than 12 months					12 months or more						Total
		Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
				Losses						Losses					Losses
	Securities held to maturity:
	U.S. Treasury securities and U.S. Government agencies	$	520	$	(12	)	$	—		$	—		$	520	$	(12	)
	Collateralized mortgage obligations	18,338		(280		)	—			—			18,338		(280		)
	Corporate bonds	4,983		(17		)	—			—			4,983		(17		)
	Total securities held to maturity	$	23,841	$	(309	)	$	—		$	—		$	23,841	$	(309	)
		Less than 12 months					12 months or more						Total
	December 31, 2013 (in thousands)	Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
				Losses						Losses					Losses
	Securities available for sale:
	U.S. Treasury securities and U.S. Government agencies	$	44,041	$	(101	)	$	—		$	—		$	44,041	$	(101	)
	Mortgage backed securities - residential	19,494		(288		)	—			—			19,494		(288		)
	Collateralized mortgage obligations	55,927		(1,546		)	—			—			55,927		(1,546		)
	Mutual fund	995		(5		)	—			—			995		(5		)
	Corporate bonds	9,850		(150		)	—			—			9,850		(150		)
	Total securities available for sale	$	130,307	$	(2,090	)	$	—		$	—		$	130,307	$	(2,090	)
		Less than 12 months					12 months or more						Total
		Fair Value		Unrealized			Fair Value			Unrealized			Fair Value		Unrealized
				Losses						Losses					Losses
	Securities held to maturity:
	U.S. Treasury securities and U.S. Government agencies	$	521	$	(13	)	$	—		$	—		$	521	$	(13	)
	Collateralized mortgage obligations	18,686		(184		)	—			—			18,686		(184		)
	Corporate bonds	4,884		(116		)	—			—			4,884		(116		)
	Total securities held to maturity	$	24,091	$	(313	)	$	—		$	—		$	24,091	$	(313	)
Pledged Investment Securities	'
	(in thousands)	March 31, 2014		December 31, 2013
	Carrying amount	$	270,904	$	224,693
	Fair value	271,119		224,989

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	3 Months Ended
	Mar. 31, 2014
Loans and allowance for loan and losses	'
Schedule of composition of loan portfolio	'
	(in thousands)	March 31, 2014			December 31, 2013
	Residential real estate:
	Owner occupied	$	1,115,335		$	1,097,795
	Non owner occupied	101,489			110,809
	Commercial real estate	765,819			773,173
	Commercial real estate - purchased whole loans	34,358			34,186
	Construction & land development	41,386			44,351
	Commercial & industrial	127,776			127,763
	Warehouse lines of credit	136,262			149,576
	Home equity	228,757			226,782
	Consumer:
	Credit cards	8,869			9,030
	Overdrafts	916			944
	Other consumer	13,367			15,383
	Total loans	2,574,334			2,589,792
	Less: Allowance for loan losses	22,367			23,026
	Total loans, net	$	2,551,967		$	2,566,766
Schedule of reconciliation of contractually-required and carrying amounts of PCI loans	'
	(in thousands)	March 31, 2014			December 31, 2013
	Contractually-required principal	$	49,511		$	57,992
	Non-accretable amount	(12,613		)	(13,582		)
	Accretable amount	(2,765		)	(3,457		)
	Carrying value of loans	$	34,133		$	40,953
Schedule of rollforward of the accretable difference on PCI loans	'
		Three Months			Three Months
		Ended			Ended
	(in thousands)	March 31, 2014			March 31, 2013
	Balance as of January 1,	$	(3,457	)	$	(3,231	)
	Transfers between non-accretable and accretable	(1,311		)	(984		)
	Net accretion into interest income on loans, including loan fees	2,003			1,632
	Other changes	—			283
	Ending balance, March 31,	$	(2,765	)	$	(2,300	)
Schedule of the risk category of loans by class of loans based on the bank's internal analysis performed	'
														Purchased			Purchased
														Credit			Credit
														Impaired			Impaired			Total
	March 31, 2014				Special						Doubtful /			Loans -			Loans -			Rated
	(in thousands)	Pass			Mention *			Substandard *			Loss			Group 1			Substandard			Loans**
	Residential real estate:
	Owner occupied	$	—		$	28,465		$	13,463		$	—		$	1,796		$	—		$	43,724
	Non owner occupied	—			1,764			1,392			—			7,170			—			10,326
	Commercial real estate	711,873			11,203			20,297			—			22,400			—			765,773
	Commercial real estate -
	Purchased whole loans	34,358			—			—			—			—			—			34,358
	Construction & land development	37,955			126			2,396			—			909			46			41,432
	Commercial & industrial	123,841			126			2,024			—			1,567			218			127,776
	Warehouse lines of credit	136,262			—			—			—			—			—			136,262
	Home equity	—			250			2,481			—			—			—			2,731
	Consumer:
	Credit cards	—			—			—			—			—			—			—
	Overdrafts	—			—			—			—			—			—			—
	Other consumer	—			17			62			—			27			—			106
	Total rated loans	$	1,044,289		$	41,951		$	42,115		$	—		$	33,869		$	264		$	1,162,488
														Purchased			Purchased
														Credit			Credit
														Impaired			Impaired			Total
	December 31, 2013				Special						Doubtful /			Loans -			Loans -			Rated
	(in thousands)	Pass			Mention *			Substandard *			Loss			Group 1			Substandard			Loans**
	Residential real estate:
	Owner occupied	$	—		$	27,431		$	10,994		$	—		$	2,810		$	—		$	41,235
	Non owner occupied	—			919			1,292			—			7,936			—			10,147
	Commercial real estate	709,610			11,125			25,296			—			27,142			—			773,173
	Commercial real estate -
	Purchased whole loans	34,186			—			—			—			—			—			34,186
	Construction & land development	40,591			128			2,386			—			1,246			—			44,351
	Commercial & industrial	123,646			296			2,035			—			1,564			222			127,763
	Warehouse lines of credit	149,576			—			—			—			—			—			149,576
	Home equity	—			250			2,014			—			—			—			2,264
	Consumer:
	Credit cards	—			—			—			—			—			—			—
	Overdrafts	—			—			—			—			—			—			—
	Other consumer	—			18			66			—			33			—			117
	Total rated loans	$	1,057,609		$	40,167		$	44,083		$	—		$	40,731		$	222		$	1,182,812
	* - Special Mention and Substandard loans include $1 million and $4 million at March 31, 2014 and $1 million and $6 million at December 31, 2013, respectively, which were removed from the PCI population due to a post-acquisition troubled debt restructuring.
	** - The above tables exclude all non-classified residential real estate and consumer loans at the respective period ends. The tables also exclude most non classified small commercial & industrial and commercial real estate relationships totaling $100,000 or less. These loans are not rated by the Company since they are accruing interest and are not past due 80-days-or-more.
Schedule of activity in the Allowance	'
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Allowance for loan losses at beginning of period	$	23,026		$	23,729
	Charge offs - Traditional Banking	(912		)	(554		)
	Recoveries - Traditional Banking	493			414
	Recoveries - Refund Anticipation Loans	463			599
	Total recoveries	956			1,013
	Net loan (charge offs) recoveries - Traditional Banking	(419		)	(140		)
	Net recoveries - Refund Anticipation Loans	463			599
	Net loan (charge offs) recoveries	44			459
	Provision for loan losses - Traditional Banking	(240		)	(26		)
	Provision for loan losses - Refund Anticipation Loans	(463		)	(599		)
	Total provision for loan losses	(703		)	(625		)
	Allowance for loan losses at end of period	$	22,367		$	23,563
Schedule of activity in the Allowance by portfolio class	'
											Commercial
		Residential Real Estate									Real Estate -									Warehouse
	Three Months Ended	Owner			Non Owner			Commercial			Purchased			Construction &			Commercial &			Lines of
	March 31, 2014 (in thousands)	Occupied			Occupied			Real Estate			Whole Loans			Land Development			Industrial			Credit
	Beginning balance	$	7,816		$	1,023		$	8,309		$	34		$	1,296		$	1,089		$	449
	Provision for loan losses	118			(30		)	(178		)	—			(88		)	(57		)	28
	Loans charged off	(217		)	(15		)	(372		)	—			(17		)	—			—
	Recoveries	34			6			142			—			1			48			—
	Ending balance	$	7,751		$	984		$	7,901		$	34		$	1,192		$	1,080		$	477
					Refund			Consumer
		Home			Anticipation			Credit						Other
		Equity			Loans			Cards			Overdrafts			Consumer				Total
	Beginning balance	$	2,396		$	—		$	289		$	199		$	126			$	23,026
	Provision for loan losses	—			(463		)	(18		)	47			(62		)		(703		)
	Loans charged off	(66		)	—			(5		)	(151		)	(69		)		(912		)
	Recoveries	41			463			10			117			94				956
	Ending balance	$	2,371		$	—		$	276		$	212		$	89			$	22,367
											Commercial
		Residential Real Estate									Real Estate -									Warehouse
	Three Months Ended	Owner			Non Owner			Commercial			Purchased			Construction &			Commercial &			Lines of
	March 31, 2013 (in thousands)	Occupied			Occupied			Real Estate			Whole Loans			Land Development			Industrial			Credit
	Beginning balance	$	7,006		$	1,049		$	8,843		$	34		$	2,769		$	580		$	541
	Provision for loan losses	80			(90		)	(66		)	—			296			142			(108		)
	Loans charged off	(200		)	(43		)	(14		)	—			—			—			—
	Recoveries	98			8			18			—			36			5			—
	Ending balance	$	6,984		$	924		$	8,781		$	34		$	3,101		$	727		$	433
					Refund			Consumer
		Home			Anticipation			Credit						Other
		Equity			Loans			Cards			Overdrafts			Consumer				Total
	Beginning balance	$	2,348		$	—		$	210		$	198		$	151			$	23,729
	Provision for loan losses	(435		)	(599		)	121			56			(22		)		(625		)
	Loans charged off	(43		)	—			(10		)	(175		)	(69		)		(554		)
	Recoveries	39			599			5			130			75				1,013
	Ending balance	$	1,909		$	—		$	326		$	209		$	135			$	23,563
Schedule of non-performing loans and non-performing assets and select credit quality ratios	'
	(dollars in thousands)	March 31, 2014			December 31, 2013
	Loans on non-accrual status(1)	$	21,792		$	19,104
	Loans past due 90 days or more and still on accrual(2)	2,247			1,974
	Total non-performing loans	24,039			21,078
	Other real estate owned	16,914			17,102
	Total non-performing assets	$	40,953		$	38,180
	Credit Quality Ratios - Total Company:
	Non-performing loans to total loans	0.93		%	0.81		%
	Non-performing assets to total loans (including OREO)	1.58		%	1.46		%
	Non-performing assets to total assets	1.17		%	1.13		%
	(1)         Loans on non-accrual status include impaired loans.
	(2)         All loans past due 90-days-or-more and still accruing were PCI loans accounted for under ASC 310-30.
Schedule of recorded investment in non-accrual loans and loans past due over 90-days-or-more and still on accrual by class of loans	'
								Loans Past Due 90-Days-or-More
		Non-Accrual Loans						and Still Accruing Interest*
	in thousands)	March 31, 2014			December 31, 2013			March 31, 2014			December 31, 2013
	Residential real estate:
	Owner occupied	$	9,937		$	8,538		$	482		$	673
	Non owner occupied	1,316			1,279			—			—
	Commercial real estate	6,605			7,643			511			—
	Commercial real estate - purchased whole loans	—			—			—			—
	Construction & land dev.	1,990			97			—			70
	Commercial & industrial	143			327			1,254			1,231
	Warehouse lines of credit	—			—			—			—
	Home equity	1,710			1,128			—			—
	Consumer:
	Credit cards	—			—			—			—
	Overdrafts	—			—			—			—
	Other consumer	91			92			—			—
	Total	$	21,792		$	19,104		$	2,247		$	1,974
	* - Loans past due 90-days-or-more and still on accrual consist entirely of PCI loans.
Schedule of aging of the recorded investment in loans by class of loans	'
		30 - 59			60 - 89			90 +			Total			Total
	March 31, 2014	Days			Days			Days			Loans			Loans Not			Total
	(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent			Delinquent			Loans
	Residential real estate:
	Owner occupied	$	1,976		$	751		$	3,675		$	6,402		$	1,108,933		$	1,115,335
	Non owner occupied	68			—			131			199			101,290			101,489
	Commercial real estate	—			—			2,707			2,707			763,112			765,819
	Commercial real estate - purchased whole loans	—			—			—			—			34,358			34,358
	Construction & land development	—			558			1,500			2,058			39,328			41,386
	Commercial & industrial	632			—			1,397			2,029			125,747			127,776
	Warehouse lines of credit	—			—			—			—			136,262			136,262
	Home equity	364			25			415			804			227,953			228,757
	Consumer:
	Credit cards	58			15			—			73			8,796			8,869
	Overdrafts	108			—			—			108			808			916
	Other consumer	45			18			—			63			13,304			13,367
	Total	$	3,251		$	1,367		$	9,825		$	14,443		$	2,559,891		$	2,574,334
	Delinquent loans to total loans	0.13		%	0.05		%	0.38		%	0.56		%
		30 - 59			60 - 89			90 +			Total			Total
	December 31, 2013	Days			Days			Days			Loans			Loans Not			Total
	(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent			Delinquent			Loans
	Residential real estate:
	Owner occupied	$	1,956		$	733		$	3,668		$	6,357		$	1,091,438		$	1,097,795
	Non owner occupied	195			967			131			1,293			109,516			110,809
	Commercial real estate	874			384			3,940			5,198			767,975			773,173
	Commercial real estate - purchased whole loans	—			—			—			—			34,186			34,186
	Construction & land development	332			—			167			499			43,852			44,351
	Commercial & industrial	—			—			1,415			1,415			126,348			127,763
	Warehouse lines of credit	—			—			—			—			149,576			149,576
	Home equity	665			48			397			1,110			225,672			226,782
	Consumer:
	Credit cards	87			6			5			98			8,932			9,030
	Overdrafts	159			—			—			159			785			944
	Other consumer	67			27			—			94			15,289			15,383
	Total	$	4,335		$	2,165		$	9,723		$	16,223		$	2,573,569		$	2,589,792
	Delinquent loans to total loans	0.17		%	0.08		%	0.38		%	0.63		%
	* - All loans, excluding PCI loans, 90-days-or-more past due as of March 31, 2014 and December 31, 2013 were on non-accrual status.
Schedule of Bank's impaired loans	'
	(in thousands)	March 31, 2014			December 31, 2013
	Loans with no allocated Allowance	$	36,556		$	36,721
	Loans with allocated Allowance	63,651			71,273
	Total impaired loans	$	100,207		$	107,994
	Amount of the Allowance allocated	$	6,211		$	6,674
Schedule of balance in the Allowance and the recorded investment in loans by portfolio class based on impairment method	'
											Commercial
		Residential Real Estate									Real Estate -									Warehouse
		Owner			Non Owner			Commercial			Purchased			Construction &			Commercial &			Lines of
	March 31, 2014 (in thousands)	Occupied			Occupied			Real Estate			Whole Loans			Land Development			Industrial			Credit
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment, excluding PCI loans	$	3,671		$	81		$	693		$	—		$	257		$	6		$	—
	Collectively evaluated for impairment	4,029			637			6,719			34			935			761			477
	PCI loans with post acquisition impairment	51			266			489			—			—			313			—
	PCI loans without post acquisition impairment	—			—			—			—			—			—			—
	Total ending allowance for loan losses	$	7,751		$	984		$	7,901		$	34		$	1,192		$	1,080		$	477
	Loans:
	Impaired loans individually evaluated, excluding PCI loans	$	41,493		$	2,397		$	29,081		$	—		$	2,594		$	4,311		$	—
	Loans collectively evaluated for impairment	1,072,046			91,922			714,293			34,358			37,883			121,679			136,262
	PCI loans with post acquisition impairment	709			5,348			9,858			—			—			1,594			—
	PCI loans without post acquisition impairment	1,087			1,822			12,587			—			909			192			—
	Total ending loan balance	$	1,115,335		$	101,489		$	765,819		$	34,358		$	41,386		$	127,776		$	136,262
	(continued)
					Consumer
		Home			Credit						Other
		Equity			Cards			Overdrafts			Consumer				Total
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment, excluding PCI loans	$	340		$	—		$	—		$	43			$	5,091
	Collectively evaluated for impairment	2,031			276			212			45				16,156
	PCI loans with post acquisition impairment	—			—			—			1				1,120
	PCI loans without post acquisition impairment	—			—			—			—				—
	Total ending allowance for loan losses	$	2,371		$	276		$	212		$	89			$	22,367
	Loans:
	Impaired loans individually evaluated, excluding PCI loans	$	2,731		$	—		$	—		$	80			$	82,687
	Loans collectively evaluated for impairment	226,026			8,869			916			13,260				2,457,514
	PCI loans with post acquisition impairment	—			—			—			11				17,520
	PCI loans without post acquisition impairment	—			—			—			16				16,613
	Total ending loan balance	$	228,757		$	8,869		$	916		$	13,367			$	2,574,334
											Commercial
		Residential Real Estate									Real Estate -									Warehouse
		Owner			Non Owner			Commercial			Purchased			Construction &			Commercial &			Lines of
	December 31, 2013 (in thousands)	Occupied			Occupied			Real Estate			Whole Loans			Land Development			Industrial			Credit
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment, excluding PCI loans	$	3,606		$	61		$	1,232		$	—		$	146		$	111		$	—
	Collectively evaluated for impairment	4,159			672			6,474			34			1,140			661			449
	PCI loans with post acquisition impairment	51			290			603			—			10			317			—
	PCI loans without post acquisition impairment	—			—			—			—			—			—			—
	Total ending allowance for loan losses	$	7,816		$	1,023		$	8,309		$	34		$	1,296		$	1,089		$	449
	Loans:
	Impaired loans individually evaluated, excluding PCI loans	$	39,211		$	2,061		$	33,519		$	—		$	2,494		$	4,521		$	—
	Loans collectively evaluated for impairment	1,055,774			100,812			712,512			34,186			40,611			121,456			149,576
	PCI loans with post acquisition impairment	1,455			5,984			14,512			—			267			1,609			—
	PCI loans without post acquisition impairment	1,355			1,952			12,630			—			979			177			—
	Total ending loan balance	$	1,097,795		$	110,809		$	773,173		$	34,186		$	44,351		$	127,763		$	149,576
	(continued)
					Consumer
		Home			Credit						Other
		Equity			Cards			Overdrafts			Consumer				Total
	Allowance for loan losses:
	Ending allowance balance attributable to loans:
	Individually evaluated for impairment, excluding PCI loans	$	203		$	—		$	—		$	43			$	5,402
	Collectively evaluated for impairment	2,193			289			199			82				16,352
	PCI loans with post acquisition impairment	—			—			—			1				1,272
	PCI loans without post acquisition impairment	—			—			—			—				—
	Total ending allowance for loan losses	$	2,396		$	289		$	199		$	126			$	23,026
	Loans:
Impaired loans individually evaluated, excluding PCI loans	$	2,264		$	—		$	—		$	85			$	84,155
Loans collectively evaluated for impairment	224,518			9,030			944			15,265				2,464,684
PCI loans with post acquisition impairment	—			—			—			12				23,839
PCI loans without post acquisition impairment	—			—			—			21				17,114
Total ending loan balance	$	226,782		$	9,030		$	944		$	15,383			$	2,589,792
Schedule of loans individually evaluated for impairment by class of loans	'
		As of									Three Months Ended
		March 31, 2014									March 31, 2014
																	Cash Basis
		Unpaid									Average			Interest			Interest
		Principal			Recorded			Allowance			Recorded			Income			Income
	(in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized
	Impaired loans with no related allowance recorded:
	Residential real estate:
	Owner occupied	$	8,018		$	7,350		$	—		$	6,960		$	52		$	—
	Non owner occupied	1,532			1,356			—			1,306			8			—
	Commercial real estate	20,651			19,623			—			20,288			197			—
	Commercial real estate - purchased whole loans	—			—			—			—			—			—
	Construction & land development	2,081			2,081			—			2,084			1			—
	Commercial & industrial	4,208			4,208			—			4,233			59			—
	Warehouse lines of credit	—			—			—			—			—			—
	Home equity	2,071			1,938			—			1,758			9			—
	Consumer:
	Credit cards	—			—			—			—			—			—
	Overdrafts	—			—			—			—			—			—
	Other consumer	—			—			—			9			—			—
	Impaired loans with an allowance recorded:
	Residential real estate:
	Owner occupied	35,053			34,852			3,722			34,475			244			—
	Non owner occupied	6,389			6,389			347			6,589			71			—
	Commercial real estate	19,316			19,316			1,182			23,197			190			—
	Commercial real estate - purchased whole loans	—			—			—			—			—			—
	Construction & land development	513			513			257			594			6			—
	Commercial & industrial	1,697			1,697			319			1,785			3			—
	Warehouse lines of credit	—			—			—			—			—			—
	Home equity	793			793			340			740			2			—
	Consumer:
	Credit cards	—			—			—			—			—			—
	Overdrafts	—			—			—			—			—			—
	Other consumer	91			91			44			85			—			—
	Total impaired loans	$	102,413		$	100,207		$	6,211		$	104,103		$	842		$	—
		As of									Three Months Ended
		December 31, 2013									March 31, 2013
																	Cash Basis
		Unpaid									Average			Interest			Interest
		Principal			Recorded			Allowance			Recorded			Income			Income
	(in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized
	Impaired loans with no related allowance recorded:
	Residential real estate:
	Owner occupied	$	7,136		$	6,569		$	—		$	13,664		$	154		$	—
	Non owner occupied	1,498			1,256			—			1,553			7			—
	Commercial real estate	21,886			20,953			—			18,198			239			—
	Commercial real estate - purchased whole loans	—			—			—			—			—			—
	Construction & land development	2,087			2,087			—			2,323			25			—
	Commercial & industrial	4,367			4,258			—			4,081			31			—
	Warehouse lines of credit	—			—			—			—			—			—
	Home equity	1,695			1,577			—			2,010			16			—
	Consumer:
	Credit cards	—			—			—			—			—			—
	Overdrafts	—			—			—			—			—			—
	Other consumer	18			18			—			405			4			—
	Impaired loans with an allowance recorded:
	Residential real estate:
	Owner occupied	34,393			34,097			3,657			31,674			210			—
	Non owner occupied	6,789			6,789			351			3,635			39			—
	Commercial real estate	27,080			27,078			1,835			25,601			289			—
	Commercial real estate - purchased whole loans	—			—			—			—			—			—
	Construction & land development	674			674			156			3,348			25			—
	Commercial & industrial	1,872			1,872			428			2,762			43			—
Warehouse lines of credit	—			—			—			—			—			—
Home equity	688			687			203			1,552			4			—
Consumer:
Credit cards	—			—			—			—			—			—
Overdrafts	—			—			—			—			—			—
Other consumer	79			79			44			69			1			—
Total impaired loans	$	110,262		$	107,994		$	6,674		$	110,875		$	1,087		$	—
Schedule of TDRs differentiated by loan type and accrual status	'
		Troubled Debt			Troubled Debt			Total
		Restructurings on			Restructurings on			Troubled Debt
	March 31, 2014 (in thousands)	Non-Accrual Status			Accrual Status			Restructurings
	Residential real estate	$	7,746		$	33,215		$	40,961
	Commercial real estate	6,449			18,449			24,898
	Construction & land development	1,990			705			2,695
	Commercial & industrial	143			4,169			4,312
	Total troubled debt restructurings	$	16,328		$	56,538		$	72,866
		Troubled Debt			Troubled Debt			Total
		Restructurings on			Restructurings on			Troubled Debt
	December 31, 2013 (in thousands)	Non-Accrual Status			Accrual Status			Restructurings
	Residential real estate	$	5,514		$	31,705		$	37,219
	Commercial real estate	7,486			22,041			29,527
	Construction & land development	97			2,608			2,705
	Commercial & industrial	143			4,378			4,521
	Total troubled debt restructurings	$	13,240		$	60,732		$	73,972
Schedule of categories of TDR loan modifications outstanding and respective performance under modified terms	'
		Troubled Debt			Troubled Debt
		Restructurings			Restructurings			Total
		Performing to			Not Performing to			Troubled Debt
	March 31, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Interest only payments	$	224		$	654		$	878
	Rate reduction	28,519			4,850			33,369
	Principal deferral	1,000			485			1,485
	Bankrupt customer	1,288			1,498			2,786
	Deceased customer	2,070			373			2,443
	Total residential TDRs	33,101			7,860			40,961
	Commercial related and construction/land development loans:
	Interest only payments	4,208			1,208			5,416
	Rate reduction	11,415			1,778			13,193
	Principal deferral	7,701			5,372			13,073
	Bankrupt customer	—			223			223
	Total commercial TDRs	23,324			8,581			31,905
	Total troubled debt restructurings	$	56,425		$	16,441		$	72,866
		Troubled Debt			Troubled Debt
		Restructurings			Restructurings			Total
		Performing to			Not Performing to			Troubled Debt
	December 31, 2013 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Interest only payments	$	430		$	671		$	1,101
	Rate reduction	26,004			4,993			30,997
	Principal deferral	1,840			632			2,472
	Bankrupt customer	1,247			1,402			2,649
	Total residential TDRs	29,521			7,698			37,219
	Commercial related and construction/land development loans:
	Interest only payments	6,086			1,321			7,407
	Rate reduction	13,958			663			14,621
	Principal deferral	8,983			5,351			14,334
	Bankrupt customer	—			391			391
	Total commercial TDRs	29,027			7,726			36,753
	Total troubled debt restructurings	$	58,548		$	15,424		$	73,972
Summary of categories of TDR loan modifications that occurred during the period	'
		Troubled Debt			Troubled Debt
		Restructurings			Restructurings			Total
	Three Months Ended	Performing to			Not Performing to			Troubled Debt
	March 31, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Interest only payments	$	—		$	2		$	2
	Rate reduction	1,102			1,134			2,236
	Principal deferral	299			—			299
	Bankrupt customer	—			291			291
	Deceased customer	2,070			373			2,443
	Total residential TDRs	3,471			1,800			5,271
	Commercial related and construction/land development loans:
	Interest only payments	718			—			718
	Rate reduction	2,352			1,134			3,486
	Principal deferral	968			1,908			2,876
	Total commercial TDRs	4,038			3,042			7,080
	Total troubled debt restructurings	$	7,509		$	4,842		$	12,351
		Troubled Debt			Troubled Debt
		Restructurings			Restructurings			Total
	Three Months Ended	Performing to			Not Performing to			Troubled Debt
	March 31, 2013 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Rate reduction	$	1,232		$	888		$	2,120
	Principal deferral	355			200			555
	Bankrupt customer	2,795			363			3,158
	Total residential TDRs	4,382			1,451			5,833
	Commercial related and construction/land development loans:
	Interest only payments	47			—			47
	Rate reduction	—			—			—
	Principal deferral	6,074			2,092			8,166
	Bankrupt customer	—			—			—
	Total commercial TDRs	6,121			2,092			8,213
	Total troubled debt restructurings	$	10,503		$	3,543		$	14,046
Schedule of loans by class modified as troubled debt restructurings within the previous twelve months for which there was a payment default	'
	Three Months Ended	Number of		Recorded
	March 31, 2014 (dollars in thousands)	Loans		Investment
	Residential real estate:
	Owner occupied	12		$	1,747
	Non owner occupied	—		—
	Commercial real estate	1		1,134
	Commercial real estate - purchased whole loans	—		—
	Construction & land development	—		—
	Commercial & industrial	—		—
	Warehouse lines of credit	—		—
	Home equity	2		28
	Consumer:
	Credit cards	—		—
	Overdrafts	—		—
	Other consumer	—		—
	Total	15		$	2,909
	Three Months Ended	Number of		Recorded
	March 31, 2013 (dollars in thousands)	Loans		Investment
	Residential real estate:
	Owner occupied	31		$	3,154
	Non owner occupied	—		—
	Commercial real estate	1		1,763
	Commercial real estate - purchased whole loans	—		—
	Construction & land development	—		—
	Commercial & industrial	3		329
	Warehouse lines of credit	—		—
	Home equity	6		367
	Consumer:
	Credit cards	—		—
	Overdrafts	—		—
	Other consumer	4		77
	Total	45		$	5,690

DEPOSITS_Tables

DEPOSITS (Tables)	3 Months Ended
	Mar. 31, 2014
DEPOSITS	'
Ending Deposit Balances	'
	(in thousands)	March 31, 2014		December 31, 2013
	Demand	$	663,203	$	651,134
	Money market accounts	485,218		479,569
	Brokered money market accounts	33,537		35,533
	Savings	85,854		78,020
	Individual retirement accounts*	27,891		28,767
	Time deposits, $100,000 and over*	74,609		67,255
	Other certificates of deposit*	71,470		75,516
	Brokered certificates of deposit*(1)	74,268		86,421
	Total interest-bearing deposits	1,516,050		1,502,215
	Total non interest-bearing deposits	568,162		488,642
	Total deposits	$	2,084,212	$	1,990,857
	(*) — Represents a time deposit.
	(1) — Includes brokered deposits less than, equal to and greater than $100,000.

FEDERAL_HOME_LOAN_BANK_FHLB_AD1

FEDERAL HOME LOAN BANK (FHLB) ADVANCES (Tables)	3 Months Ended
	Mar. 31, 2014
FEDERAL HOME LOAN BANK ("FHLB") ADVANCES	'
Federal Home Loan Bank Advances	'
	(in thousands)	March 31, 2014		December 31, 2013
	Fixed interest rate advances with a weighted average interest rate of 1.91% due through 2021	$	482,000	$	505,000
	Putable fixed interest rate advances with a weighted average interest rate of 4.39% due through 2017(1)	100,000		100,000
	Total FHLB advances	$	582,000	$	605,000
	(1) - Represents putable advances with the FHLB. These advances have original fixed rate periods ranging from one to five years with original maturities ranging from three to ten years if not put back to the Bank earlier by the FHLB. At the end of their respective fixed rate periods and on a quarterly basis thereafter, the FHLB has the right to require payoff of the advances by the Bank at no penalty. Based on market conditions at this time, the Bank does not believe that any of its putable advances are likely to be “put back” to the Bank in the short-term by the FHLB.
Aggregate Future Principal Payments on FHLB Advances	'
				Weighted
				Average
	Year (dollars in thousands)	Principal		Rate
	2014	140,000		2.53	%
	2015	10,000		2.48	%
	2016	82,000		1.74	%
	2017	145,000		3.44	%
	2018	97,500		1.5	%
	Thereafter	107,500		1.8	%
	Total	$	582,000	2.34	%
Investment Securities Pledged	'
	(in thousands)	March 31, 2014		December 31, 2013
	First lien, single family residential real estate	$	1,097,143	$	1,082,624
	Home equity lines of credit	105,579		105,957
	Multi-family commercial real estate	15,194		13,124

FAIR_VALUE_Tables

FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2014
Fair Value Disclosures	'
Assets and Liabilities Measured at Fair Value on Recurring Basis	'
		Fair Value Measurements at
		March 31, 2014 Using:
		Quoted Prices in			Significant
		Active Markets			Other			Significant
		for Identical			Observable			Unobservable		Total
		Assets			Inputs			Inputs		Fair
	(in thousands)	(Level 1)			(Level 2)			(Level 3)		Value
	Financial assets:
	Securities available for sale:
	U.S. Treasury securities and U.S. Government agencies	$	—		$	98,558		$	—	$	98,558
	Private label mortgage backed security	—			—			5,270		5,270
	Mortgage backed securities - residential	—			142,264			—		142,264
	Collateralized mortgage obligations	—			154,301			—		154,301
	Mutual fund	1,000			—			—		1,000
	Corporate bonds	—			15,032			—		15,032
	Total securities available for sale	$	1,000		$	410,155		$	5,270	$	416,425
	Mortgage loans held for sale	$	—		$	2,414		$	—	$	2,414
	Rate lock commitments	—			158			—		158
	Mandatory forward contracts	—			7			—		7
	Financial liabilities:
	Interest rate swap agreements	—			69			—		69
		Fair Value Measurements at
		December 31, 2013 Using:
		Quoted Prices in			Significant
		Active Markets			Other			Significant
		for Identical			Observable			Unobservable		Total
		Assets			Inputs			Inputs		Fair
	(in thousands)	(Level 1)			(Level 2)			(Level 3)		Value
	Financial assets:
	Securities available for sale:
	U.S. Treasury securities and U.S. Government agencies	$	—		$	97,465		$	—	$	97,465
	Private label mortgage backed security	—			—			5,485		5,485
	Mortgage backed securities - residential	—			150,087			—		150,087
	Collateralized mortgage obligations	—			163,946			—		163,946
	Mutual fund	995			—			—		995
	Corporate bonds	—			14,915			—		14,915
	Total securities available for sale	$	995		$	426,413		$	5,485	$	432,893
	Mortgage loans held for sale	$	—		$	3,506		$	—	$	3,506
	Rate lock commitments	—			77			—		77
	Mandatory forward contracts	—			12			—		12
	Interest rate swap agreements	—			170			—		170
Reconciliation of the Bank's Private Label Mortgage Backed Security Measured at Fair Value on Recurring Basis	'
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Balance, beginning of period	$	5,485		$	5,687
	Total gains or losses included in earnings:
	Net change in unrealized gain	54			184
	Recovery of actual losses previously recorded	32			—
	Principal paydowns	(301		)	(183		)
	Balance, end of period	$	5,270		$	5,688
Assets Measured at Fair Value on a Non-Recurring Basis	'
		Fair Value Measurements at
		March 31, 2014 Using:
		Quoted Prices in			Significant
		Active Markets			Other			Significant
		for Identical			Observable			Unobservable		Total
		Assets			Inputs			Inputs		Fair
	(in thousands)	(Level 1)			(Level 2)			(Level 3)		Value
	Impaired loans:
	Residential real estate:
	Owner occupied	$	—		$	—		$	2,199	$	2,199
	Commercial real estate	—			—			5,131		5,131
	Home equity	—			—			1,170		1,170
	Total impaired loans *	$	—		$	—		$	8,500	$	8,500
	Other real estate owned:
	Residential real estate	$	—		$	—		$	505	$	505
	Commercial real estate	—			—			4,199		4,199
	Construction & land development	—			—			4,299		4,299
	Total other real estate owned	$	—		$	—		$	9,003	$	9,003
		Fair Value Measurements at
		December 31, 2013 Using:
		Quoted Prices in			Significant
		Active Markets			Other			Significant
		for Identical			Observable			Unobservable		Total
		Assets			Inputs			Inputs		Fair
	(in thousands)	(Level 1)			(Level 2)			(Level 3)		Value
	Impaired loans:
	Residential real estate:
	Owner occupied	$	—		$	—		$	2,020	$	2,020
	Commercial real estate	—			—			5,488		5,488
	Home equity	—			—			1,030		1,030
	Total impaired loans *	$	—		$	—		$	8,538	$	8,538
	Other real estate owned:
	Residential real estate	$	—		$	—		$	1,716	$	1,716
	Commercial real estate	—			—			507		507
	Construction & land development	—			—			6,195		6,195
	Total other real estate owned	$	—		$	—		$	8,418	$	8,418
	* - The impaired loan balances in the preceding two tables exclude TDRs which are not collateral dependent. The difference between the carrying value and the fair value of impaired loans measured at fair value is reconciled in a subsequent table of this Footnote and represents estimated selling costs to liquidate the underlying collateral on such loans.
Impaired Loans Carrying Amount and Valuation Allowance	'
	(in thousands)	March 31, 2014			December 31, 2013
	Carrying amount of loans measured at fair value	$	7,603		$	7,629
	Estimated selling costs considered in carrying amount	897			909
	Total fair value	$	8,500		$	8,538
Other Real Estate Owned	'
	(in thousands)	March 31, 2014			December 31, 2013
	Carrying value of other real estate owned	$	16,914		$	17,102
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Other real estate owned write-downs	$	884		$	366
Mortgage Servicing Rights	'
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Credit to mortgage banking income due to impairment evaluation	$	—		$	(152	)
Schedule of aggregate fair value, contractual balance and gain	'
	(in thousands)	March 31, 2014			December 31, 2013
	Aggregate fair value	$	2,414		$	3,506
	Contractual balance	2,360			3,417
	Gain	54			89
Schedule of gains and losses from changes in fair value included in earnings	'
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Interest income	$	46		$	113
	Change in fair value	(35		)	134
	Total change in fair value	$	11		$	247
Carrying Amount and Estimated Fair Values of Financial Instruments	'
					Fair Value Measurements at
					March 31, 2014:
												Total
		Carrying										Fair
	(in thousands)	Value			Level 1			Level 2		Level 3		Value
	Assets:
	Cash and cash equivalents	$	343,386		$	343,386		$	—	$	—	$	343,386
	Securities available for sale	416,929			1,000			410,155		5,270		416,425
	Securities to be held to maturity	49,073			—			49,138		—		49,138
	Mortgage loans held for sale, at fair value	2,414			—			2,414		—		2,414
	Loans, net	2,551,967			—			—		2,584,302		2,584,302
	Federal Home Loan Bank stock	28,310			—			—		—		N/A
	Mortgage servicing rights	5,227			—			7,237		—		7,237
	Accrued interest receivable	8,002			—			8,002		—		8,002
	Liabilities:
	Non interest-bearing deposits	568,162			—			568,162		—		568,162
	Transaction deposits	1,267,812			—			1,267,812		—		1,267,812
	Time deposits	248,238			—			249,401		—		249,401
	Securities sold under agreements to repurchase and other short-term borrowings	222,174			—			222,174		—		222,174
	Federal Home Loan Bank advances	582,000			—			594,936		—		594,936
	Subordinated note	41,240			—			37,751		—		37,751
	Accrued interest payable	1,347			—			1,347		—		1,347
					Fair Value Measurements at
					December 31, 2013:
												Total
		Carrying										Fair
	(in thousands)	Value			Level 1			Level 2		Level 3		Value
	Assets:
	Cash and cash equivalents	$	170,863		$	170,863		$	—	$	—	$	170,863
	Securities available for sale	432,893			995			426,413		5,485		432,893
	Securities to be held to maturity	50,644			—			50,768		—		50,768
	Mortgage loans held for sale, at fair value	3,506			—			3,506		—		3,506
	Loans, net	2,566,766			—			—		2,585,476		2,585,476
	Federal Home Loan Bank stock	28,342			—			—		—		N/A
	Mortgage servicing rights	5,409			—			7,337		—		7,337
	Accrued interest receivable	8,272			—			8,272		—		8,272
	Liabilities:
	Non interest-bearing deposits	488,642			—			488,642		—		488,642
	Transaction deposits	1,244,256			—			1,244,256		—		1,244,256
	Time deposits	257,959			—			259,345		—		259,345
	Securities sold under agreements to repurchase and other short-term borrowings	165,555			—			165,555		—		165,555
	Federal Home Loan Bank advances	605,000			—			618,064		—		618,064
	Subordinated note	41,240			—			38,020		—		38,020
	Accrued interest payable	1,459			—			1,459		—		1,459
Recurring basis	'
Fair Value Disclosures	'
Fair value inputs quantitative information	'
		Fair			Valuation
	March 31, 2014 (dollars in thousands)	Value			Technique		Unobservable Inputs		Range
	Private label mortgage backed security	$	5,270		Discounted cash flow		(1) Constant prepayment rate		3.0% - 6.5%
							(2) Probability of default		3.0% - 9.0%
							(2) Loss severity		55% - 70%
		Fair			Valuation
	December 31, 2013 (dollars in thousands)	Value			Technique		Unobservable Inputs		Range
	Private label mortgage backed security	$	5,485		Discounted cash flow		(1) Constant prepayment rate		2.5% - 6.5%
							(2) Probability of default		3.0% - 7.0%
							(2) Loss severity		55% - 75%
Nonrecurring basis	'
Fair Value Disclosures	'
Fair value inputs quantitative information	'
									Range
		Fair			Valuation		Unobservable		(Weighted
	March 31, 2014 (dollars in thousands)	Value			Technique		Inputs		Average)
	Impaired loans - residential real estate	$	2,199		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 22% (3%)
	Impaired loans - commercial real estate	$	5,131		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 25% (3%)
	Impaired loans - home equity	$	1,170		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 22% (6%)
	Other real estate owned - residential real estate	$	505		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		47% (47%)
	Other real estate owned - commercial real estate	$	4,199		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		22% - 34% (23%)
	Other real estate owned - construction & land development	$	1,279		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		15% - 143% (39%)
		$	3,020		Income approach		Adjustments for differences between net operating income expectations		19% (19%)
									Range
		Fair			Valuation		Unobservable		(Weighted
	December 31, 2013 (dollars in thousands)	Value			Technique		Inputs		Average)
	Impaired loans - residential real estate	$	2,020		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		2% - 22% (7%)
	Impaired loans - commercial real estate	$	5,488		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 30% (19%)
	Impaired loans - home equity	$	1,030		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		0% - 10% (2%)
	Other real estate owned - residential real estate	$	1,716		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		10% - 53% (30%)
	Other real estate owned - commercial real estate	$	507		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		23% - 33% (29%)
	Other real estate owned - construction & land development	$	2,236		Sales comparison approach		Adjustments determined by Management for differences between the comparable sales		17% - 58% (43%)
		$	3,959		Income approach		Adjustments for differences between net operating income expectations		21% (21%)

MORTGAGE_BANKING_ACTIVITIES_Ta

MORTGAGE BANKING ACTIVITIES (Tables)	3 Months Ended
	Mar. 31, 2014
MORTGAGE BANKING ACTIVITIES	'
Activity for Mortgage Loans Held for Sale	'
	March 31, (in thousands)	2014			2013
	Balance, January 1	$	3,506		$	10,614
	Origination of mortgage loans held for sale	14,110			84,593
	Proceeds from the sale of mortgage loans held for sale	(15,700		)	(77,765		)
	Net gain on sale of mortgage loans held for sale	498			3,284
	Balance, March 31	$	2,414		$	20,726
Components of Mortgage Banking Income	'
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Net gain realized on sale of mortgage loans held for sale	$	458		$	2,238
	Net change in fair value recognized on loans held for sale	(35		)	134
	Net change in fair value recognized on rate lock commitments	80			1,133
	Net change in fair value recognized on forward contracts	(5		)	(221		)
	Net gain recognized	498			3,284
	Loan servicing income	302			546
	Amortization of mortgage servicing rights	(314		)	(708		)
	Change in mortgage servicing rights valuation allowance	—			152
	Net servicing income recognized	(12		)	(10		)
	Total Mortgage Banking income	$	486		$	3,274
Activity for capitalized mortgage servicing rights	'
	March 31, (in thousands)	2014			2013
	Balance, January 1	$	5,409		$	4,777
	Additions	132			637
	Amortized to expense	(314		)	(708		)
	Change in valuation allowance	—			152
	Balance, March 31	$	5,227		$	4,858
Valuation Allowance For Capitalized Mortgage Servicing Rights	'
	March 31, (in thousands)	2014			2013
	Balance, January 1	$	—		$	(345	)
	Additions	—			—
	Reductions credited to operations	—			152
	Balance, March 31	$	—		$	(193	)
Mortgage Servicing Rights	'
	(dollars in thousands)	March 31, 2014			December 31, 2013
	Fair value of mortgage servicing rights portfolio	$	7,237		$	7,337
	Prepayment speed range	112% - 462%			105% - 550%
	Discount rate	10%			10%
	Weighted average default rate	1.50%			1.50%
	Weighted average life in years	6.15			6.17
Schedule of notional amounts and fair values of mortgage banking derivatives	'
		March 31, 2014						December 31, 2013
	(in thousands)	Notional			Fair Value			Notional		Fair Value
		Amount						Amount
	Included in Mortgage loans held for sale:
	Mortgage loans held for sale	$	2,360		$	2,414		$	3,417	$	3,506
	Included in other assets:
	Rate lock loan commitments	$	7,054		$	158		$	4,393	$	77
	Mandatory forward contracts	6,617			7			5,571		12
	Total included in other assets	$	13,671		$	165		$	9,964	$	89

INTEREST_RATE_SWAPS_Tables

INTEREST RATE SWAPS (Tables)	3 Months Ended
	Mar. 31, 2014
INTEREST RATE SWAPS	'
Summary of swaps designated as cash flow hedges	'
	(dollars in thousands)	March 31, 2014			December 31, 2013
	Notional amount	$	20,000		$	20,000
	Weighted average pay rate	2.25		%	2.25		%
	Weighted average receive rate	0.19		%	0.21		%
	Weighted average maturity in years	7			7
	Unrealized gain (loss)	$	(69	)	$	170
	Fair value of security pledged as collateral	$	343		$	—
Schedule of interest expense recorded on swap transactions in the consolidated statements of income	'
		Three Months Ended
		March 31,
	(in thousands)	2014			2013
	Interest expense on deposits related to money market swap transaction	$	49		$	—
	Interest expense on FHLB advances related to FHLB swap transaction	51			—
	Total interest expense on swap transactions	$	100		$	—
Summary of net losses recorded in accumulated OCI and the consolidated statements of income relating to the swaps	'
	March 31, 2014 (in thousands)	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
		(Loss) Recognized			Reclassified from			(Loss) Recognized in
		in Other			Accumulated Other			Income on Derivative
		Comprehensive			Comprehensive Income			(Ineffective Portion)
		Income on			on Derivative (Effective
		Derivative			Portion)
		(Effective Portion)
	Cash flow hedges - interest rate swaps	$	(156	)	$	—		$	—
	March 31, 2013 (in thousands)	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
		Recognized in Other			Reclassified from			(Loss) Recognized in
		Comprehensive			Accumulated Other			Income on Derivative
		Income on			Comprehensive Income			(Ineffective Portion)
		Derivative			on Derivative (Effective
		(Effective Portion)			Portion)
	Cash flow hedges - interest rate swaps	$	—		$	—		$	—
Summary of cash flow hedge included in the consolidated balance sheet	'
		March 31, 2014						December 31, 2013
	(in thousands)	Notional			Fair Value			Notional		Fair Value
		Amount						Amount
	Fair value included in other assets:
	Cash flow hedges - interest rate swaps	$	—		$	—		$	20,000	$	170
	Fair value included in other liabilities:
	Cash flow hedges - interest rate swaps	$	20,000		$	69		$	—	$	—

OFF_BALANCE_SHEET_RISKS_COMMIT1

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	3 Months Ended
	Mar. 31, 2014
OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES	'
Bank Commitment Exclusive of Mortgage Bank Loan Commitments	'
	(in thousands)	March 31, 2014		December 31, 2013
	Unused warehouse lines of credit	$	199,238	$	208,424
	Unused home equity lines of credit	230,395		230,361
	Unused loan commitments - other	198,599		178,776
	Standby letters of credit	13,068		2,308
	FHLB letters of credit	3,750		3,200
	Total commitments	$	645,050	$	623,069

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	3 Months Ended
	Mar. 31, 2014
EARNINGS PER SHARE	'
Earning Per Share and Diluted	'
		Three Months Ended
		March 31
	(in thousands, except per share data)	2014			2013
	Net income	$	11,984		$	13,356
	Weighted average shares outstanding	20,796			20,864
	Effect of dilutive securities	97			69
	Average shares outstanding including dilutive securities	20,893			20,933
	Basic earnings per share:
	Class A Common Share	$	0.58		$	0.64
	Class B Common Share	$	0.56		$	0.63
	Diluted earnings per share:
	Class A Common Share	$	0.58		$	0.64
	Class B Common Share	$	0.56		$	0.62
Stock Option	'
		Three Months Ended
		March 31,
		2014		2013
	Antidilutive stock options	15,500		128,450
	Average antidilutive stock options	15,500		128,450

SEGMENT_INFORMATION_Tables

SEGMENT INFORMATION (Tables)	3 Months Ended
	Mar. 31, 2014
SEGMENT INFORMATION	'
Segment Information	'
		Three Months Ended March 31, 2014
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	27,113		$	46		$	145		$	27,304
	Provision for loan losses	(240		)	—			(463		)	(703		)
	Net refund transfer fees	—			—			14,388			14,388
	Mortgage banking income	—			486			—			486
	Other non-interest income	5,819			74			693			6,586
	Total non-interest income	5,819			560			15,081			21,460
	Total non-interest expenses	24,607			1,210			5,127			30,944
	Income before income tax expense	8,565			(604		)	10,562			18,523
	Income tax expense	2,784			(211		)	3,966			6,539
	Net income	$	5,781		$	(393	)	$	6,596		$	11,984
	Segment end of period assets	$	3,441,183		$	8,062		$	57,927		$	3,507,172
	Net interest margin	3.29		%	NM			NM			3.24		%
		Three Months Ended March 31, 2013
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	28,961		$	113		$	56		$	29,130
	Provision for loan losses	(26		)	—			(599		)	(625		)
	Net refund transfer fees	—			—			12,014			12,014
	Mortgage banking income	—			3,274			—			3,274
	Bargain purchase gain - FCB	1,324			—			—			1,324
	Other non-interest income	5,397			8			508			5,913
	Total non-interest income	6,721			3,282			12,522			22,525
	Total non-interest expenses	25,182			863			5,257			31,302
	Income before income tax expense	10,526			2,532			7,920			20,978
	Income tax expense	3,964			886			2,772			7,622
	Net income	$	6,562		$	1,646		$	5,148		$	13,356
	Segment end of period assets	$	3,316,188		$	25,989		$	59,181		$	3,401,358
	Net interest margin	3.6		%	NM			NM			3.55		%
	Segment assets are reported as of the respective period ends while income and margin data are reported for the respective periods.
	NM — Not Meaningful

OTHER_COMPREHENSIVE_INCOME_Tab

OTHER COMPREHENSIVE INCOME (Tables)	3 Months Ended
	Mar. 31, 2014
OTHER COMPREHENSIVE INCOME	'
Summary of OCI components and related tax effects	'
		Three Months Ended
		March 31,
	(in thousands)	2013			2012
	Available for Sale Securities:
	Unrealized gain (loss) on securities available for sale	$	2		$	(398	)
	Change in unrealized gain on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	54			184
	Net unrealized gains (losses)	56			(214		)
	Tax effect	(20		)	75
	Net of tax	36			(139		)
	Cash Flow Hedges:
	Change in fair value of derivatives used for cash flow hedges	(239		)	—
	Reclassification adjustment for gains realized in income	—			—
	Net unrealized gains	(239		)	—
	Tax effect	83			—
	Net of tax	(156		)	—
		$	(120	)	$	(139	)
Summary of the accumulated OCI balances, net of tax	'
	(in thousands)	Balance at			Change for Three			Balance at
		December 31, 2013			Months ending			March 31, 2014
					March 31, 2014
	Unrealized gains (losses) on securities available for sale	$	2,526		$	1		$	2,527
	Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	484			35			519
	Unrealized gains on cash flow hedge	111			(156		)	(45		)
		$	3,121		$	(120	)	$	3,001
	(in thousands)	Balance at			Change for Three			Balance at
		December 31, 2012			Months ending			March 31, 2013
					March 31, 2013
	Unrealized gains (losses) on securities available for sale	$	5,610		$	(259	)	$	5,351
	Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	2			120			122
		$	5,612		$	(139	)	$	5,473

BASIS_OF_PRESENTATION_AND_SUMM2

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	3 Months Ended
	Mar. 31, 2014
	segment
	item
BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	'
Number of operating segments	3
Basis of Presentation	'
Number of banking centers	42
Kentucky	'
Basis of Presentation	'
Number of banking centers	33
Metropolitan Louisville	'
Basis of Presentation	'
Number of banking centers	20
Central Kentucky	'
Basis of Presentation	'
Number of banking centers	8
Elizabethtown	'
Basis of Presentation	'
Number of banking centers	1
Frankfort	'
Basis of Presentation	'
Number of banking centers	1
Georgetown	'
Basis of Presentation	'
Number of banking centers	1
Lexington	'
Basis of Presentation	'
Number of banking centers	4
Shelbyville	'
Basis of Presentation	'
Number of banking centers	1
Western Kentucky	'
Basis of Presentation	'
Number of banking centers	2
Owensboro	'
Basis of Presentation	'
Number of banking centers	2
Northern Kentucky	'
Basis of Presentation	'
Number of banking centers	3
Covington	'
Basis of Presentation	'
Number of banking centers	1
Florence	'
Basis of Presentation	'
Number of banking centers	1
Independence	'
Basis of Presentation	'
Number of banking centers	1
Southern Indiana	'
Basis of Presentation	'
Number of banking centers	3
Floyds Knobs	'
Basis of Presentation	'
Number of banking centers	1
Jeffersonville	'
Basis of Presentation	'
Number of banking centers	1
New Albany	'
Basis of Presentation	'
Number of banking centers	1
Metropolitan Tampa, Florida	'
Basis of Presentation	'
Number of banking centers	3
Metropolitan Cincinnati, Ohio	'
Basis of Presentation	'
Number of banking centers	1
Metropolitan Nashville, Tennessee	'
Basis of Presentation	'
Number of banking centers	2

INVESTMENT_SECURITIES_Details

INVESTMENT SECURITIES (Details) (USD $)

3 Months Ended

12 Months Ended

In Thousands, unless otherwise specified

Mar. 31, 2014

Mar. 31, 2013

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

Dec. 31, 2013

Mar. 31, 2014

U.S. Treasury securities and U.S. Government agencies

U.S. Treasury securities and U.S. Government agencies

Private label mortgage backed security

Private label mortgage backed security

Mortgage backed securities - residential

Mortgage backed securities - residential

Collateralized mortgage obligations

Collateralized mortgage obligations

Mutual fund

Mutual fund

Corporate bonds

Corporate bonds

Securities available for sale:

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Gross Amortized Cost

$411,739

'

$428,263

$98,230

$97,157

$4,471

$4,740

$137,845

$146,087

$155,179

$164,264

$1,000

$1,000

$15,015

$15,014

Gross Unrealized Gains

6,853

'

6,720

382

409

799

745

4,552

4,288

1,077

1,228

'

'

50

43

Gross Unrealized Losses

-2,167

'

-2,090

-54

-101

'

'

-133

-288

-1,955

-1,546

'

-5

-150

-25

Fair Value

416,425

'

432,893

98,558

97,465

5,270

5,485

142,264

150,087

154,301

163,946

1,000

995

14,915

15,032

Amount of floating rate corporate bonds purchased

$30,000

$19,697

'

'

'

'

'

'

'

'

'

'

'

$20,000

'

Weighted average yield (as a percent)

'

'

'

'

'

'

'

'

'

'

'

'

'

1.36%

'

Weighted average life

'

'

'

'

'

'

'

'

'

'

'

'

'

'7 years

'

Corporate bonds as a percentage of bank's investment portfolio

'

'

'

'

'

'

'

'

'

'

'

'

'

4.00%

4.00%

INVESTMENT_SECURITIES_Details_

INVESTMENT SECURITIES (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Securities held to maturity:	'	'
Carrying Value	$49,577	$50,644
Gross Unrecognized Gains	377	437
Gross Unrecognized Losses	-309	-313
Fair Value	49,645	50,768
Maximum percentage of holdings of securities of any one issuer, other than the U.S. Government and its agencies	10.00%	10.00%
U.S. Treasury securities and U.S. Government agencies	'	'
Securities held to maturity:	'	'
Carrying Value	2,293	2,311
Gross Unrecognized Gains	7	7
Gross Unrecognized Losses	-12	-13
Fair Value	2,288	2,305
Mortgage backed securities - residential	'	'
Securities held to maturity:	'	'
Carrying Value	416	420
Gross Unrecognized Gains	47	43
Fair Value	463	463
Collateralized mortgage obligations	'	'
Securities held to maturity:	'	'
Carrying Value	41,868	42,913
Gross Unrecognized Gains	323	387
Gross Unrecognized Losses	-280	-184
Fair Value	41,911	43,116
Corporate bonds	'	'
Securities held to maturity:	'	'
Carrying Value	5,000	5,000
Gross Unrecognized Losses	-17	-116
Fair Value	$4,983	$4,884

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 3) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Sales of securities available for sale	'	'
Sales of available for sale securities	$0	$0
Calls of available for sale securities	0	0
Tax provision related to Bank's realized gains	$0	$0

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details 4) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Securities available for Sale - Amortized Cost	'	'
Due in one year or less	$24,445	'
Due from one year to five years	77,799	'
Due from five years to ten years	11,000	'
Total securities	411,739	'
Securities available for Sale - Fair Value	'	'
Due in one year or less	24,752	'
Due from one year to five years	77,882	'
Due from five years to ten years	10,956	'
Total securities	416,425	'
Securities held to maturity - Carrying Value	'	'
Due in one year or less	504	'
Due from one year to five years	1,789	'
Due from five years to ten years	5,000	'
Total securities	49,577	50,644
Securities held to maturity - Fair Value	'	'
Due in one year or less	507	'
Due from one year to five years	1,781	'
Due from five years to ten years	4,983	'
Fair Value	49,645	50,768
Private label mortgage backed security	'	'
Securities available for Sale - Amortized Cost	'	'
Securities not due at a single maturity date	4,471	'
Securities available for Sale - Fair Value	'	'
Securities not due at a single maturity date	5,270	'
Mortgage backed securities - residential	'	'
Securities available for Sale - Amortized Cost	'	'
Securities not due at a single maturity date	137,845	'
Securities available for Sale - Fair Value	'	'
Securities not due at a single maturity date	142,264	'
Securities held to maturity - Carrying Value	'	'
Securities not due at a single maturity date	416	'
Total securities	416	420
Securities held to maturity - Fair Value	'	'
Securities not due at a single maturity date	463	'
Fair Value	463	463
Collateralized mortgage obligations	'	'
Securities available for Sale - Amortized Cost	'	'
Securities not due at a single maturity date	155,179	'
Securities available for Sale - Fair Value	'	'
Securities not due at a single maturity date	154,301	'
Securities held to maturity - Carrying Value	'	'
Securities not due at a single maturity date	41,868	'
Total securities	41,868	42,913
Securities held to maturity - Fair Value	'	'
Securities not due at a single maturity date	41,911	'
Fair Value	41,911	43,116
Mutual fund	'	'
Securities available for Sale - Amortized Cost	'	'
Securities not due at a single maturity date	1,000	'
Securities available for Sale - Fair Value	'	'
Securities not due at a single maturity date	$1,000	'

INVESTMENT_SECURITIES_Details_3

INVESTMENT SECURITIES (Details 5) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
	item	item
Available for sale	'	'
Less than 12 months Fair Value	$85,236	$130,307
Less than 12 months Unrealized Losses	-1,363	-2,090
12 months or more Fair Value	7,443	'
12 months or more Unrealized Losses	-804	'
Total Fair Value	92,679	130,307
Total Unrealized Losses	-2,167	-2,090
Held to maturity	'	'
Less than 12 months Fair Value	23,841	24,091
Less than 12 months Unrealized Losses	-309	-313
Total Fair Value	23,841	24,091
Total Unrealized Losses	-309	-313
Number of securities held	156	162
Number of securities held in an unrealized loss position	20	27
Carrying value	416,425	432,893
U.S. Treasury securities and U.S. Government agencies	'	'
Available for sale	'	'
Less than 12 months Fair Value	22,041	44,041
Less than 12 months Unrealized Losses	-54	-101
Total Fair Value	22,041	44,041
Total Unrealized Losses	-54	-101
Held to maturity	'	'
Less than 12 months Fair Value	520	521
Less than 12 months Unrealized Losses	-12	-13
Total Fair Value	520	521
Total Unrealized Losses	-12	-13
Carrying value	98,558	97,465
Mortgage backed securities - residential	'	'
Available for sale	'	'
Less than 12 months Fair Value	8,675	19,494
Less than 12 months Unrealized Losses	-133	-288
Total Fair Value	8,675	19,494
Total Unrealized Losses	-133	-288
Held to maturity	'	'
Carrying value	142,264	150,087
Collateralized mortgage obligations	'	'
Available for sale	'	'
Less than 12 months Fair Value	44,545	55,927
Less than 12 months Unrealized Losses	-1,151	-1,546
12 months or more Fair Value	7,443	'
12 months or more Unrealized Losses	-804	'
Total Fair Value	51,988	55,927
Total Unrealized Losses	-1,955	-1,546
Held to maturity	'	'
Less than 12 months Fair Value	18,338	18,686
Less than 12 months Unrealized Losses	-280	-184
Total Fair Value	18,338	18,686
Total Unrealized Losses	-280	-184
Carrying value	154,301	163,946
Mutual fund	'	'
Available for sale	'	'
Less than 12 months Fair Value	'	995
Less than 12 months Unrealized Losses	'	-5
Total Fair Value	'	995
Total Unrealized Losses	'	-5
Held to maturity	'	'
Carrying value	1,000	995
Corporate bonds	'	'
Available for sale	'	'
Less than 12 months Fair Value	9,975	9,850
Less than 12 months Unrealized Losses	-25	-150
Total Fair Value	9,975	9,850
Total Unrealized Losses	-25	-150
Held to maturity	'	'
Less than 12 months Fair Value	4,983	4,884
Less than 12 months Unrealized Losses	-17	-116
Total Fair Value	4,983	4,884
Total Unrealized Losses	-17	-116
Carrying value	15,032	14,915
Private label mortgage backed security	'	'
Held to maturity	'	'
Carrying value	$5,270	$5,485
Estimated average life	'4 years	'

INVESTMENT_SECURITIES_Details_4

INVESTMENT SECURITIES (Details 6) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
INVESTMENT SECURITIES	'	'
Carrying amount	$270,904	$224,693
Fair value	$271,119	$224,989

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans disclosures	'	'	'	'
Total loans	$2,574,334	$2,589,792	'	'
Less: Allowance for loan losses	22,367	23,026	23,563	23,729
Loans, net	2,551,967	2,566,766	'	'
Residential Real Estate - Owner Occupied	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	1,115,335	1,097,795	'	'
Less: Allowance for loan losses	7,751	7,816	6,984	7,006
Residential Real Estate - Non Owner Occupied	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	101,489	110,809	'	'
Less: Allowance for loan losses	984	1,023	924	1,049
Commercial real estate	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	765,819	773,173	'	'
Less: Allowance for loan losses	7,901	8,309	8,781	8,843
Commercial real estate - purchased whole loans	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	34,358	34,186	'	'
Less: Allowance for loan losses	34	34	34	34
Construction & Land Development	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	41,386	44,351	'	'
Less: Allowance for loan losses	1,192	1,296	3,101	2,769
Commercial & Industrial	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	127,776	127,763	'	'
Less: Allowance for loan losses	1,080	1,089	727	580
Warehouse lines of credit	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	136,262	149,576	'	'
Less: Allowance for loan losses	477	449	433	541
Home equity	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	228,757	226,782	'	'
Less: Allowance for loan losses	2,371	2,396	1,909	2,348
Consumer: Credit cards	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	8,869	9,030	'	'
Less: Allowance for loan losses	276	289	326	210
Consumer: Overdrafts	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	916	944	'	'
Less: Allowance for loan losses	212	199	209	198
Consumer: Other consumer	'	'	'	'
Loans disclosures	'	'	'	'
Total loans	13,367	15,383	'	'
Less: Allowance for loan losses	$89	$126	$135	$151

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
2012 FDIC-Assisted Acquisitions	'	'	'
Total carrying value of loans	$2,574,334,000	'	$2,589,792,000
PCI loan	'	'	'
2012 FDIC-Assisted Acquisitions	'	'	'
Contractually-required principal	49,511,000	'	57,992,000
Non-accretable amount	-12,613,000	'	-13,582,000
Accretable amount	-2,765,000	'	-3,457,000
Total carrying value of loans	34,133,000	'	40,953,000
Rollforward of the accretable discount on purchased loans within the scope of ASC Topic 310-30	'	'	'
Balance at the beginning of the period	-3,457,000	-3,231,000	'
Transfers between non-accretable and accretable	-1,311,000	-984,000	'
Net accretion into interest income on loans, including loan fees	2,003,000	1,632,000	'
Other changes	'	283,000	'
Balance at the end of the period	-2,765,000	-2,300,000	'
PCI loan | Loans	'	'	'
2012 FDIC-Assisted Acquisitions	'	'	'
Financial assets	34,000,000	'	41,000,000
PCI loan | Loans | Contractual Amount	'	'	'
2012 FDIC-Assisted Acquisitions	'	'	'
Financial assets	$50,000,000	'	$58,000,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)

3 Months Ended

3 Months Ended

12 Months Ended

3 Months Ended

12 Months Ended

Mar. 31, 2014

Mar. 31, 2013

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

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

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

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

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

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

Residential Real Estate - Owner Occupied

Residential Real Estate - Owner Occupied

Residential Real Estate - Non Owner Occupied

Residential Real Estate - Non Owner Occupied

Commercial real estate

Commercial real estate

Commercial real estate - purchased whole loans

Commercial real estate - purchased whole loans

Construction & Land Development

Construction & Land Development

Commercial & Industrial

Commercial & Industrial

Warehouse lines of credit

Warehouse lines of credit

Home equity

Home equity

Consumer: Other consumer

Consumer: Other consumer

Pass

Pass

Pass

Pass

Pass

Pass

Pass

Pass

Pass

Pass

Pass

Pass

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Special Mention

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Substandard

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Group 1

Purchased Credit Impaired Loans - Substandard

Purchased Credit Impaired Loans - Substandard

Purchased Credit Impaired Loans - Substandard

Purchased Credit Impaired Loans - Substandard

Purchased Credit Impaired Loans - Substandard

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Rated Loans

Commercial real estate

Commercial real estate

Commercial real estate - purchased whole loans

Commercial real estate - purchased whole loans

Construction & Land Development

Construction & Land Development

Commercial & Industrial

Commercial & Industrial

Warehouse lines of credit

Warehouse lines of credit

Residential Real Estate - Owner Occupied

Residential Real Estate - Owner Occupied

Residential Real Estate - Non Owner Occupied

Residential Real Estate - Non Owner Occupied

Commercial real estate

Commercial real estate

Construction & Land Development

Construction & Land Development

Commercial & Industrial

Commercial & Industrial

Home equity

Home equity

Consumer: Other consumer

Consumer: Other consumer

Residential Real Estate - Owner Occupied

Residential Real Estate - Owner Occupied

Residential Real Estate - Non Owner Occupied

Residential Real Estate - Non Owner Occupied

Commercial real estate

Commercial real estate

Construction & Land Development

Construction & Land Development

Commercial & Industrial

Commercial & Industrial

Home equity

Home equity

Consumer: Other consumer

Consumer: Other consumer

Residential Real Estate - Owner Occupied

Residential Real Estate - Owner Occupied

Residential Real Estate - Non Owner Occupied

Residential Real Estate - Non Owner Occupied

Commercial real estate

Commercial real estate

Construction & Land Development

Construction & Land Development

Commercial & Industrial

Commercial & Industrial

Consumer: Other consumer

Consumer: Other consumer

Construction & Land Development

Commercial & Industrial

Commercial & Industrial

Residential Real Estate - Owner Occupied

Residential Real Estate - Owner Occupied

Residential Real Estate - Non Owner Occupied

Residential Real Estate - Non Owner Occupied

Commercial real estate

Commercial real estate

Commercial real estate - purchased whole loans

Commercial real estate - purchased whole loans

Construction & Land Development

Construction & Land Development

Commercial & Industrial

Commercial & Industrial

Warehouse lines of credit

Warehouse lines of credit

Home equity

Home equity

Consumer: Other consumer

Consumer: Other consumer

Risk category of rated loans

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans

$2,574,334,000

'

$2,589,792,000

$1,115,335,000

$1,097,795,000

$101,489,000

$110,809,000

$765,819,000

$773,173,000

$34,358,000

$34,186,000

$41,386,000

$44,351,000

$127,776,000

$127,763,000

$136,262,000

$149,576,000

$228,757,000

$226,782,000

$13,367,000

$15,383,000

$1,044,289,000

$1,057,609,000

$711,873,000

$709,610,000

$34,358,000

$34,186,000

$37,955,000

$40,591,000

$123,841,000

$123,646,000

$136,262,000

$149,576,000

$41,951,000

$40,167,000

$28,465,000

$27,431,000

$1,764,000

$919,000

$11,203,000

$11,125,000

$126,000

$128,000

$126,000

$296,000

$250,000

$250,000

$17,000

$18,000

$42,115,000

$44,083,000

$13,463,000

$10,994,000

$1,392,000

$1,292,000

$20,297,000

$25,296,000

$2,396,000

$2,386,000

$2,024,000

$2,035,000

$2,481,000

$2,014,000

$62,000

$66,000

$33,869,000

$40,731,000

$1,796,000

$2,810,000

$7,170,000

$7,936,000

$22,400,000

$27,142,000

$909,000

$1,246,000

$1,567,000

$1,564,000

$27,000

$33,000

$264,000

$222,000

$46,000

$218,000

$222,000

$1,162,488,000

$1,182,812,000

$43,724,000

$41,235,000

$10,326,000

$10,147,000

$765,773,000

$773,173,000

$34,358,000

$34,186,000

$41,432,000

$44,351,000

$127,776,000

$127,763,000

$136,262,000

$149,576,000

$2,731,000

$2,264,000

$106,000

$117,000

Maximum loan value for non rated loans

100,000

'

100,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Maximum number of days past due for loans to be non rated

'80 days

'

'80 days

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Loans modified by troubled debt restructurings during the period

$12,351,000

$14,046,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$1,000,000

$1,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

$4,000,000

$6,000,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Allowance for loan losses rollforward	'	'
Allowance for loan losses at beginning year	$23,026	$23,729
Charge offs	-912	-554
Recoveries	956	1,013
Net loan (charge offs) recoveries	44	459
Provision for loan losses	-703	-625
Allowance for loan losses at end of year	22,367	23,563
Refund Anticipation Loans	'	'
Allowance for loan losses rollforward	'	'
Recoveries	463	599
Net loan (charge offs) recoveries	463	599
Provision for loan losses	-463	-599
Traditional Banking	'	'
Allowance for loan losses rollforward	'	'
Charge offs	-912	-554
Recoveries	493	414
Net loan (charge offs) recoveries	-419	-140
Provision for loan losses	($240)	($26)

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	3 Months Ended												3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013	Mar. 31, 2014	Mar. 31, 2013
			Residential Real Estate - Owner Occupied	Residential Real Estate - Owner Occupied	Residential Real Estate - Non Owner Occupied	Residential Real Estate - Non Owner Occupied	Commercial Real Estate	Commercial Real Estate	Commercial real estate - purchased whole loans	Commercial real estate - purchased whole loans	Commercial real estate - purchased whole loans	Commercial real estate - purchased whole loans	Construction & Land Development	Construction & Land Development	Commercial & Industrial	Commercial & Industrial	Warehouse Lines of Credit	Warehouse Lines of Credit	Home Equity	Home Equity	Refund Anticipation Loans	Refund Anticipation Loans	Consumer: Credit cards	Consumer: Credit cards	Consumer: Overdrafts	Consumer: Overdrafts	Consumer: Other consumer	Consumer: Other consumer
Allowance for loan losses rollforward	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'
Allowance for loan losses at beginning year	$23,026	$23,729	$7,816	$7,006	$1,023	$1,049	$8,309	$8,843	$34	$34	$34	$34	$1,296	$2,769	$1,089	$580	$449	$541	$2,396	$2,348	'	'	$289	$210	$199	$198	$126	$151
Provision for loan losses	-703	-625	118	80	-30	-90	-178	-66	'	'	'	'	-88	296	-57	142	28	-108	'	-435	-463	-599	-18	121	47	56	-62	-22
Loans charged off	-912	-554	-217	-200	-15	-43	-372	-14	'	'	'	'	-17	'	'	'	'	'	-66	-43	'	'	-5	-10	-151	-175	-69	-69
Recoveries	956	1,013	34	98	6	8	142	18	'	'	'	'	1	36	48	5	'	'	41	39	463	599	10	5	117	130	94	75
Allowance for loan losses at end of year	$22,367	$23,563	$7,751	$6,984	$984	$924	$7,901	$8,781	$34	$34	$34	$34	$1,192	$3,101	$1,080	$727	$477	$433	$2,371	$1,909	'	'	$276	$326	$212	$209	$89	$135

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Non-performing loans and non-performing assets disclosures	'	'
Loans on non-accrual status	$21,792	$19,104
Loans past due 90 days or more and still on accrual	2,247	1,974
Total non-performing loans	24,039	21,078
Other real estate owned	16,914	17,102
Total non-performing assets	$40,953	$38,180
Credit Quality Ratios - Total Company:	'	'
Non-performing loans to total loans (as percent)	0.93%	0.81%
Non-performing assets to total loans (including OREO) (as percent)	1.58%	1.46%
Non-performing assets to total assets (as percent)	1.17%	1.13%

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
	item
Aging or recorded investments in loans	'	'
Non-Accrual Loan	$21,792	$19,104
Loans Past Due 90 Days or More and Still Accruing Interest	2,247	1,974
Number of consecutive months payments received before non-accrual loans returned to accrual status (in months)	6	'
Residential Real Estate - Owner Occupied	'	'
Aging or recorded investments in loans	'	'
Non-Accrual Loan	9,937	8,538
Loans Past Due 90 Days or More and Still Accruing Interest	482	673
Residential Real Estate - Non Owner Occupied	'	'
Aging or recorded investments in loans	'	'
Non-Accrual Loan	1,316	1,279
Commercial real estate	'	'
Aging or recorded investments in loans	'	'
Non-Accrual Loan	6,605	7,643
Loans Past Due 90 Days or More and Still Accruing Interest	511	'
Construction & Land Development	'	'
Aging or recorded investments in loans	'	'
Non-Accrual Loan	1,990	97
Loans Past Due 90 Days or More and Still Accruing Interest	'	70
Commercial & Industrial	'	'
Aging or recorded investments in loans	'	'
Non-Accrual Loan	143	327
Loans Past Due 90 Days or More and Still Accruing Interest	1,254	1,231
Home equity	'	'
Aging or recorded investments in loans	'	'
Non-Accrual Loan	1,710	1,128
Consumer: Other consumer	'	'
Aging or recorded investments in loans	'	'
Non-Accrual Loan	$91	$92

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 8) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	$3,251	$4,335
60 - 89 Days Delinquent	1,367	2,165
90 + Days Delinquent	9,825	9,723
Total Loans Delinquent	14,443	16,223
Total Loans Not Delinquent	2,559,891	2,573,569
Total carrying value of loans	2,574,334	2,589,792
30 - 59 days delinquent to total loans (as a percent)	0.13%	0.17%
60 - 89 days delinquent to total loans (as a percent)	0.05%	0.08%
Greater than 90 days delinquent to total loans (as a percent)	0.38%	0.38%
Delinquent acquired bank loans to total acquired bank loans (as a percent)	0.56%	0.63%
Residential Real Estate - Owner Occupied	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	1,976	1,956
60 - 89 Days Delinquent	751	733
90 + Days Delinquent	3,675	3,668
Total Loans Delinquent	6,402	6,357
Total Loans Not Delinquent	1,108,933	1,091,438
Total carrying value of loans	1,115,335	1,097,795
Residential Real Estate - Non Owner Occupied	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	68	195
60 - 89 Days Delinquent	'	967
90 + Days Delinquent	131	131
Total Loans Delinquent	199	1,293
Total Loans Not Delinquent	101,290	109,516
Total carrying value of loans	101,489	110,809
Commercial real estate	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	'	874
60 - 89 Days Delinquent	'	384
90 + Days Delinquent	2,707	3,940
Total Loans Delinquent	2,707	5,198
Total Loans Not Delinquent	763,112	767,975
Total carrying value of loans	765,819	773,173
Commercial real estate - purchased whole loans	'	'
Aging or recorded investments in loans	'	'
Total Loans Not Delinquent	34,358	34,186
Total carrying value of loans	34,358	34,186
Construction & Land Development	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	'	332
60 - 89 Days Delinquent	558	'
90 + Days Delinquent	1,500	167
Total Loans Delinquent	2,058	499
Total Loans Not Delinquent	39,328	43,852
Total carrying value of loans	41,386	44,351
Commercial & Industrial	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	632	'
90 + Days Delinquent	1,397	1,415
Total Loans Delinquent	2,029	1,415
Total Loans Not Delinquent	125,747	126,348
Total carrying value of loans	127,776	127,763
Warehouse lines of credit	'	'
Aging or recorded investments in loans	'	'
Total Loans Not Delinquent	136,262	149,576
Total carrying value of loans	136,262	149,576
Home Equity	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	364	665
60 - 89 Days Delinquent	25	48
90 + Days Delinquent	415	397
Total Loans Delinquent	804	1,110
Total Loans Not Delinquent	227,953	225,672
Total carrying value of loans	228,757	226,782
Consumer: Credit cards	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	58	87
60 - 89 Days Delinquent	15	6
90 + Days Delinquent	'	5
Total Loans Delinquent	73	98
Total Loans Not Delinquent	8,796	8,932
Total carrying value of loans	8,869	9,030
Consumer: Overdrafts	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	108	159
Total Loans Delinquent	108	159
Total Loans Not Delinquent	808	785
Total carrying value of loans	916	944
Consumer: Other consumer	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	45	67
60 - 89 Days Delinquent	18	27
Total Loans Delinquent	63	94
Total Loans Not Delinquent	13,304	15,289
Total carrying value of loans	$13,367	$15,383

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 9) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Impaired loans	'	'
Loans with no allocated Allowance	$36,556	$36,721
Loans with allocated Allowance	63,651	71,273
Total impaired loans	100,207	107,994
Amount of the Allowance allocated	6,211	6,674
Impaired loan through troubled debt restructuring	72,866	73,972
PCI loan	'	'
Impaired loans	'	'
Total impaired loans	18,000	24,000
Impaired loan through troubled debt restructuring	$5,000	$6,000

Recovered_Sheet2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 10) (USD $)	Mar. 31, 2014	Dec. 31, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Allowance for loans losses	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	$5,091	$5,402	'	'
Collectively evaluated for impairment	16,156	16,352	'	'
PCI loans with post acquisition impairment	1,120	1,272	'	'
Total ending allowance for loan losses	22,367	23,026	23,563	23,729
Impaired loans individually evaluated, excluding PCI loans	82,687	84,155	'	'
Loans collectively evaluated for impairment	2,457,514	2,464,684	'	'
PCI loans with post acquisition impairment	17,520	23,839	'	'
PCI loans without post acquisition impairment	16,613	17,114	'	'
Total carrying value of loans	2,574,334	2,589,792	'	'
Residential Real Estate - Owner Occupied	'	'	'	'
Allowance for loans losses	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	3,671	3,606	'	'
Collectively evaluated for impairment	4,029	4,159	'	'
PCI loans with post acquisition impairment	51	51	'	'
Total ending allowance for loan losses	7,751	7,816	6,984	7,006
Impaired loans individually evaluated, excluding PCI loans	41,493	39,211	'	'
Loans collectively evaluated for impairment	1,072,046	1,055,774	'	'
PCI loans with post acquisition impairment	709	1,455	'	'
PCI loans without post acquisition impairment	1,087	1,355	'	'
Total carrying value of loans	1,115,335	1,097,795	'	'
Residential Real Estate - Non Owner Occupied	'	'	'	'
Allowance for loans losses	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	81	61	'	'
Collectively evaluated for impairment	637	672	'	'
PCI loans with post acquisition impairment	266	290	'	'
Total ending allowance for loan losses	984	1,023	924	1,049
Impaired loans individually evaluated, excluding PCI loans	2,397	2,061	'	'
Loans collectively evaluated for impairment	91,922	100,812	'	'
PCI loans with post acquisition impairment	5,348	5,984	'	'
PCI loans without post acquisition impairment	1,822	1,952	'	'
Total carrying value of loans	101,489	110,809	'	'
Commercial real estate	'	'	'	'
Allowance for loans losses	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	693	1,232	'	'
Collectively evaluated for impairment	6,719	6,474	'	'
PCI loans with post acquisition impairment	489	603	'	'
Total ending allowance for loan losses	7,901	8,309	8,781	8,843
Impaired loans individually evaluated, excluding PCI loans	29,081	33,519	'	'
Loans collectively evaluated for impairment	714,293	712,512	'	'
PCI loans with post acquisition impairment	9,858	14,512	'	'
PCI loans without post acquisition impairment	12,587	12,630	'	'
Total carrying value of loans	765,819	773,173	'	'
Commercial real estate - purchased whole loans	'	'	'	'
Allowance for loans losses	'	'	'	'
Collectively evaluated for impairment	34	34	'	'
Total ending allowance for loan losses	34	34	34	34
Loans collectively evaluated for impairment	34,358	34,186	'	'
Total carrying value of loans	34,358	34,186	'	'
Construction & Land Development	'	'	'	'
Allowance for loans losses	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	257	146	'	'
Collectively evaluated for impairment	935	1,140	'	'
PCI loans with post acquisition impairment	'	10	'	'
Total ending allowance for loan losses	1,192	1,296	3,101	2,769
Impaired loans individually evaluated, excluding PCI loans	2,594	2,494	'	'
Loans collectively evaluated for impairment	37,883	40,611	'	'
PCI loans with post acquisition impairment	'	267	'	'
PCI loans without post acquisition impairment	909	979	'	'
Total carrying value of loans	41,386	44,351	'	'
Commercial & Industrial	'	'	'	'
Allowance for loans losses	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	6	111	'	'
Collectively evaluated for impairment	761	661	'	'
PCI loans with post acquisition impairment	313	317	'	'
Total ending allowance for loan losses	1,080	1,089	727	580
Impaired loans individually evaluated, excluding PCI loans	4,311	4,521	'	'
Loans collectively evaluated for impairment	121,679	121,456	'	'
PCI loans with post acquisition impairment	1,594	1,609	'	'
PCI loans without post acquisition impairment	192	177	'	'
Total carrying value of loans	127,776	127,763	'	'
Warehouse Lines of Credit	'	'	'	'
Allowance for loans losses	'	'	'	'
Collectively evaluated for impairment	477	449	'	'
Total ending allowance for loan losses	477	449	433	541
Loans collectively evaluated for impairment	136,262	149,576	'	'
Total carrying value of loans	136,262	149,576	'	'
Home equity	'	'	'	'
Allowance for loans losses	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	340	203	'	'
Collectively evaluated for impairment	2,031	2,193	'	'
Total ending allowance for loan losses	2,371	2,396	1,909	2,348
Impaired loans individually evaluated, excluding PCI loans	2,731	2,264	'	'
Loans collectively evaluated for impairment	226,026	224,518	'	'
Total carrying value of loans	228,757	226,782	'	'
Consumer: Credit cards	'	'	'	'
Allowance for loans losses	'	'	'	'
Collectively evaluated for impairment	276	289	'	'
Total ending allowance for loan losses	276	289	326	210
Loans collectively evaluated for impairment	8,869	9,030	'	'
Total carrying value of loans	8,869	9,030	'	'
Consumer: Overdrafts	'	'	'	'
Allowance for loans losses	'	'	'	'
Collectively evaluated for impairment	212	199	'	'
Total ending allowance for loan losses	212	199	209	198
Loans collectively evaluated for impairment	916	944	'	'
Total carrying value of loans	916	944	'	'
Consumer: Other consumer	'	'	'	'
Allowance for loans losses	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	43	43	'	'
Collectively evaluated for impairment	45	82	'	'
PCI loans with post acquisition impairment	1	1	'	'
Total ending allowance for loan losses	89	126	135	151
Impaired loans individually evaluated, excluding PCI loans	80	85	'	'
Loans collectively evaluated for impairment	13,260	15,265	'	'
PCI loans with post acquisition impairment	11	12	'	'
PCI loans without post acquisition impairment	16	21	'	'
Total carrying value of loans	$13,367	$15,383	'	'

Recovered_Sheet3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 11) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Impaired loans with no related allowance recorded:	'	'	'
Recorded Investment	$36,556	'	$36,721
Impaired loans with allowance recorded:	'	'	'
Recorded Investment	63,651	'	71,273
Allowance for Loan Losses Allocated	6,211	'	6,674
Total impaired loans	'	'	'
Unpaid Principal Balance	102,413	'	110,262
Recorded Investment	100,207	'	107,994
Allowance for Loan Losses Allocated	6,211	'	6,674
Average Recorded Investment	104,103	110,875	'
Interest Income Recognized	842	1,087	'
Residential Real Estate - Owner Occupied	'	'	'
Impaired loans with no related allowance recorded:	'	'	'
Unpaid Principal Balance	8,018	'	7,136
Recorded Investment	7,350	'	6,569
Average Recorded Investment	6,960	13,664	'
Interest Income Recognized	52	154	'
Impaired loans with allowance recorded:	'	'	'
Unpaid Principal Balance	35,053	'	34,393
Recorded Investment	34,852	'	34,097
Allowance for Loan Losses Allocated	3,722	'	3,657
Average Recorded Investment	34,475	31,674	'
Interest Income Recognized	244	210	'
Total impaired loans	'	'	'
Allowance for Loan Losses Allocated	3,722	'	3,657
Residential Real Estate - Non Owner Occupied	'	'	'
Impaired loans with no related allowance recorded:	'	'	'
Unpaid Principal Balance	1,532	'	1,498
Recorded Investment	1,356	'	1,256
Average Recorded Investment	1,306	1,553	'
Interest Income Recognized	8	7	'
Impaired loans with allowance recorded:	'	'	'
Unpaid Principal Balance	6,389	'	6,789
Recorded Investment	6,389	'	6,789
Allowance for Loan Losses Allocated	347	'	351
Average Recorded Investment	6,589	3,635	'
Interest Income Recognized	71	39	'
Total impaired loans	'	'	'
Allowance for Loan Losses Allocated	347	'	351
Commercial real estate	'	'	'
Impaired loans with no related allowance recorded:	'	'	'
Unpaid Principal Balance	20,651	'	21,886
Recorded Investment	19,623	'	20,953
Average Recorded Investment	20,288	18,198	'
Interest Income Recognized	197	239	'
Impaired loans with allowance recorded:	'	'	'
Unpaid Principal Balance	19,316	'	27,080
Recorded Investment	19,316	'	27,078
Allowance for Loan Losses Allocated	1,182	'	1,835
Average Recorded Investment	23,197	25,601	'
Interest Income Recognized	190	289	'
Total impaired loans	'	'	'
Allowance for Loan Losses Allocated	1,182	'	1,835
Construction & Land Development	'	'	'
Impaired loans with no related allowance recorded:	'	'	'
Unpaid Principal Balance	2,081	'	2,087
Recorded Investment	2,081	'	2,087
Average Recorded Investment	2,084	2,323	'
Interest Income Recognized	1	25	'
Impaired loans with allowance recorded:	'	'	'
Unpaid Principal Balance	513	'	674
Recorded Investment	513	'	674
Allowance for Loan Losses Allocated	257	'	156
Average Recorded Investment	594	3,348	'
Interest Income Recognized	6	25	'
Total impaired loans	'	'	'
Allowance for Loan Losses Allocated	257	'	156
Commercial & Industrial	'	'	'
Impaired loans with no related allowance recorded:	'	'	'
Unpaid Principal Balance	4,208	'	4,367
Recorded Investment	4,208	'	4,258
Average Recorded Investment	4,233	4,081	'
Interest Income Recognized	59	31	'
Impaired loans with allowance recorded:	'	'	'
Unpaid Principal Balance	1,697	'	1,872
Recorded Investment	1,697	'	1,872
Allowance for Loan Losses Allocated	319	'	428
Average Recorded Investment	1,785	2,762	'
Interest Income Recognized	3	43	'
Total impaired loans	'	'	'
Allowance for Loan Losses Allocated	319	'	428
Home equity	'	'	'
Impaired loans with no related allowance recorded:	'	'	'
Unpaid Principal Balance	2,071	'	1,695
Recorded Investment	1,938	'	1,577
Average Recorded Investment	1,758	2,010	'
Interest Income Recognized	9	16	'
Impaired loans with allowance recorded:	'	'	'
Unpaid Principal Balance	793	'	688
Recorded Investment	793	'	687
Allowance for Loan Losses Allocated	340	'	203
Average Recorded Investment	740	1,552	'
Interest Income Recognized	2	4	'
Total impaired loans	'	'	'
Allowance for Loan Losses Allocated	340	'	203
Consumer: Other consumer	'	'	'
Impaired loans with no related allowance recorded:	'	'	'
Unpaid Principal Balance	'	'	18,000
Recorded Investment	'	'	18,000
Average Recorded Investment	9	405	'
Interest Income Recognized	'	4	'
Impaired loans with allowance recorded:	'	'	'
Unpaid Principal Balance	91	'	79
Recorded Investment	91	'	79
Allowance for Loan Losses Allocated	44	'	44
Average Recorded Investment	85	69	'
Interest Income Recognized	'	1	'
Total impaired loans	'	'	'
Allowance for Loan Losses Allocated	$44	'	$44

Recovered_Sheet4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 12) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	$72,866	$73,972
Residential Real Estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	40,961	37,219
Commercial real estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	24,898	29,527
Construction & Land Development	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	2,695	2,705
Commercial & Industrial	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	4,312	4,521
Loans on non-accrual status	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	16,328	13,240
Minimum period for which TDRs continue to be reported as non-performing loans	'6 months	'
Loans on non-accrual status | Residential Real Estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	7,746	5,514
Loans on non-accrual status | Commercial real estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	6,449	7,486
Loans on non-accrual status | Construction & Land Development	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	1,990	97
Loans on non-accrual status | Commercial & Industrial	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	143	143
Accrual Loans	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	56,538	60,732
Accrual Loans | Residential Real Estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	33,215	31,705
Accrual Loans | Commercial real estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	18,449	22,041
Accrual Loans | Construction & Land Development	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	705	2,608
Accrual Loans | Commercial & Industrial	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	$4,169	$4,378

Recovered_Sheet5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 13) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	$72,866,000	'	$73,972,000
Loans modified by troubled debt restructurings during the period	12,351,000	14,046,000	'
Specific reserve allocations made to customers	4,000,000	'	5,000,000
Specific reserve allocations made to customers whose loan terms were modified in TDRs during period	358,000	78,000	'
Residential Real Estate	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	40,961,000	'	37,219,000
Loans modified by troubled debt restructurings during the period	5,271,000	5,833,000	'
Residential Real Estate | Interest only payments	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	878,000	'	1,101,000
Loans modified by troubled debt restructurings during the period	2,000	'	'
Residential Real Estate | Rate reduction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	33,369,000	'	30,997,000
Loans modified by troubled debt restructurings during the period	2,236,000	2,120,000	'
Residential Real Estate | Principal deferral	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	1,485,000	'	2,472,000
Loans modified by troubled debt restructurings during the period	299,000	555,000	'
Residential Real Estate | Bankrupt customer	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	2,786,000	'	2,649,000
Loans modified by troubled debt restructurings during the period	291,000	3,158,000	'
Residential Real Estate | Deceased customer	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	2,443,000	'	'
Loans modified by troubled debt restructurings during the period	2,443,000	'	'
Commercial Real Estate and Commercial Construction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	31,905,000	'	36,753,000
Loans modified by troubled debt restructurings during the period	7,080,000	8,213,000	'
Commercial Real Estate and Commercial Construction | Interest only payments	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	5,416,000	'	7,407,000
Loans modified by troubled debt restructurings during the period	718,000	47,000	'
Commercial Real Estate and Commercial Construction | Rate reduction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	13,193,000	'	14,621,000
Loans modified by troubled debt restructurings during the period	3,486,000	'	'
Commercial Real Estate and Commercial Construction | Principal deferral	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	13,073,000	'	14,334,000
Loans modified by troubled debt restructurings during the period	2,876,000	8,166,000	'
Commercial Real Estate and Commercial Construction | Bankrupt customer	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	223,000	'	391,000
Performing Financing Receivable	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	56,425,000	'	58,548,000
Loans modified by troubled debt restructurings during the period	7,509,000	10,503,000	'
Percentage of troubled debt restructurings performing as per terms of modifications during the period.	77.00%	'	79.00%
Percentage of Bank's TDRs that occurred during period, which were performing according to their modified terms	61.00%	75.00%	'
Performing Financing Receivable | Residential Real Estate	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	33,101,000	'	29,521,000
Loans modified by troubled debt restructurings during the period	3,471,000	4,382,000	'
Performing Financing Receivable | Residential Real Estate | Interest only payments	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	224,000	'	430,000
Performing Financing Receivable | Residential Real Estate | Rate reduction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	28,519,000	'	26,004,000
Loans modified by troubled debt restructurings during the period	1,102,000	1,232,000	'
Performing Financing Receivable | Residential Real Estate | Principal deferral	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	1,000,000	'	1,840,000
Loans modified by troubled debt restructurings during the period	299,000	355,000	'
Performing Financing Receivable | Residential Real Estate | Bankrupt customer	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	1,288,000	'	1,247,000
Loans modified by troubled debt restructurings during the period	'	2,795,000	'
Performing Financing Receivable | Residential Real Estate | Deceased customer	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	2,070,000	'	'
Loans modified by troubled debt restructurings during the period	2,070,000	'	'
Performing Financing Receivable | Commercial Real Estate and Commercial Construction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	23,324,000	'	29,027,000
Loans modified by troubled debt restructurings during the period	4,038,000	6,121,000	'
Performing Financing Receivable | Commercial Real Estate and Commercial Construction | Interest only payments	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	4,208,000	'	6,086,000
Loans modified by troubled debt restructurings during the period	718,000	47,000	'
Performing Financing Receivable | Commercial Real Estate and Commercial Construction | Rate reduction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	11,415,000	'	13,958,000
Loans modified by troubled debt restructurings during the period	2,352,000	'	'
Performing Financing Receivable | Commercial Real Estate and Commercial Construction | Principal deferral	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	7,701,000	'	8,983,000
Loans modified by troubled debt restructurings during the period	968,000	6,074,000	'
Nonperforming Financing Receivable	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	16,441,000	'	15,424,000
Loans modified by troubled debt restructurings during the period	4,842,000	3,543,000	'
Nonperforming Financing Receivable | Residential Real Estate	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	7,860,000	'	7,698,000
Loans modified by troubled debt restructurings during the period	1,800,000	1,451,000	'
Nonperforming Financing Receivable | Residential Real Estate | Interest only payments	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	654,000	'	671,000
Loans modified by troubled debt restructurings during the period	2,000	'	'
Nonperforming Financing Receivable | Residential Real Estate | Rate reduction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	4,850,000	'	4,993,000
Loans modified by troubled debt restructurings during the period	1,134,000	888,000	'
Nonperforming Financing Receivable | Residential Real Estate | Principal deferral	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	485,000	'	632,000
Loans modified by troubled debt restructurings during the period	'	200,000	'
Nonperforming Financing Receivable | Residential Real Estate | Bankrupt customer	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	1,498,000	'	1,402,000
Loans modified by troubled debt restructurings during the period	291,000	363,000	'
Nonperforming Financing Receivable | Residential Real Estate | Deceased customer	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	373,000	'	'
Loans modified by troubled debt restructurings during the period	373,000	'	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	8,581,000	'	7,726,000
Loans modified by troubled debt restructurings during the period	3,042,000	2,092,000	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction | Interest only payments	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	1,208,000	'	1,321,000
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction | Rate reduction	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	1,778,000	'	663,000
Loans modified by troubled debt restructurings during the period	1,134,000	'	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction | Principal deferral	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	5,372,000	'	5,351,000
Loans modified by troubled debt restructurings during the period	1,908,000	2,092,000	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction | Bankrupt customer	'	'	'
Troubled Debt Restructurings disclosures	'	'	'
Troubled Debt Restructurings	$223,000	'	$391,000

Recovered_Sheet6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 14) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
	item	item
Troubled Debt Restructurings disclosures	'	'
Number of Loans	15	45
Recorded Investment	$2,909	$5,690
Residential Real Estate - Owner Occupied	'	'
Troubled Debt Restructurings disclosures	'	'
Number of Loans	12	31
Recorded Investment	1,747	3,154
Commercial real estate	'	'
Troubled Debt Restructurings disclosures	'	'
Number of Loans	1	1
Recorded Investment	1,134	1,763
Commercial & Industrial	'	'
Troubled Debt Restructurings disclosures	'	'
Number of Loans	'	3
Recorded Investment	'	329
Home equity	'	'
Troubled Debt Restructurings disclosures	'	'
Number of Loans	2	6
Recorded Investment	28	367
Other Consumer	'	'
Troubled Debt Restructurings disclosures	'	'
Number of Loans	'	4
Recorded Investment	'	$77

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Deposit Liabilities	'	'
Demand	$663,203	$651,134
Savings	85,854	78,020
Total interest-bearing deposits	1,516,050	1,502,215
Total non interest-bearing deposits	568,162	488,642
Total deposits	2,084,212	1,990,857
Brokered Deposits	'	'
Deposit Liabilities	'	'
Money market accounts	33,537	35,533
Certificates of deposit	74,268	86,421
Individual Deposits	'	'
Deposit Liabilities	'	'
Money market accounts	485,218	479,569
Individual retirement accounts	27,891	28,767
Time deposits, $100,000 and over	74,609	67,255
Other certificates of deposit	$71,470	$75,516

FEDERAL_HOME_LOAN_BANK_FHLB_AD2

FEDERAL HOME LOAN BANK (FHLB) ADVANCES (Details) (USD $)	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	Dec. 31, 2013
			Fixed interest rate advances with a weighted average interest rate of 1.91% due through 2021	Fixed interest rate advances with a weighted average interest rate of 1.91% due through 2021	Putable fixed interest rate advances with a weighted average interest rate of 4.39% due through 2017	Putable fixed interest rate advances with a weighted average interest rate of 4.39% due through 2017	Putable fixed interest rate advances with a weighted average interest rate of 4.39% due through 2017	Putable fixed interest rate advances with a weighted average interest rate of 4.39% due through 2017	Various other unsecured lines of credit	Various other unsecured lines of credit
							Minimum	Maximum
FHLB advances	'	'	'	'	'	'	'	'	'	'
Total FHLB advances	$582,000,000	$605,000,000	$482,000,000	$505,000,000	$100,000,000	$100,000,000	'	'	'	'
Weighted average interest rate (as percent)	2.34%	'	1.91%	1.91%	4.39%	4.39%	'	'	'	'
Original fixed rate periods	'	'	'	'	'	'	'1 year	'5 years	'	'
Original maturities	'	'	'	'	'	'	'3 years	'10 years	'	'
Additional collateralized advances available	316,000,000	282,000,000	'	'	'	'	'	'	'	'
Unsecured lines of credit	'	'	'	'	'	'	'	'	$166,000,000	$166,000,000

FEDERAL_HOME_LOAN_BANK_FHLB_AD3

FEDERAL HOME LOAN BANK (FHLB) ADVANCES (Details 2) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
FEDERAL HOME LOAN BANK ("FHLB") ADVANCES	'	'
2014	$140,000	'
2015	10,000	'
2016	82,000	'
2017	145,000	'
2018	97,500	'
Thereafter	107,500	'
Total	$582,000	$605,000
Weighted Average Rate	'	'
2014	2.53%	'
2015	2.48%	'
2016	1.74%	'
2017	3.44%	'
2018	1.50%	'
Thereafter	1.80%	'
Total	2.34%	'

FEDERAL_HOME_LOAN_BANK_FHLB_AD4

FEDERAL HOME LOAN BANK (FHLB) ADVANCES (Details 3) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
First Lien, Single Family Residential Real Estate	'	'
Real estate loans pledged to collateralize advances and letters of credit with the FHLB	'	'
Real estate loans pledged to collateralize advances and letters of credit with FHLB	$1,097,143	$1,082,624
Home Equity	'	'
Real estate loans pledged to collateralize advances and letters of credit with the FHLB	'	'
Real estate loans pledged to collateralize advances and letters of credit with FHLB	105,579	105,957
Multi-Family Commercial Real Estate	'	'
Real estate loans pledged to collateralize advances and letters of credit with the FHLB	'	'
Real estate loans pledged to collateralize advances and letters of credit with FHLB	$15,194	$13,124

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Financial assets:	'	'	'
Securities available for sale	$416,425	'	$432,893
Financial Liabilities:	'	'	'
Transfers between Level 1, 2 or 3	0	0	'
U.S. Treasury securities and U.S. Government agencies	'	'	'
Financial assets:	'	'	'
Securities available for sale	98,558	'	97,465
Private label mortgage backed security	'	'	'
Financial assets:	'	'	'
Securities available for sale	5,270	'	5,485
Mortgage backed securities - residential	'	'	'
Financial assets:	'	'	'
Securities available for sale	142,264	'	150,087
Collateralized mortgage obligations	'	'	'
Financial assets:	'	'	'
Securities available for sale	154,301	'	163,946
Mutual fund	'	'	'
Financial assets:	'	'	'
Securities available for sale	1,000	'	995
Corporate bonds	'	'	'
Financial assets:	'	'	'
Securities available for sale	15,032	'	14,915
Fair Value, Inputs, Level 1	'	'	'
Financial assets:	'	'	'
Securities available for sale	1,000	'	995
Fair Value, Inputs, Level 2	'	'	'
Financial assets:	'	'	'
Securities available for sale	410,155	'	426,413
Fair Value, Inputs, Level 3	'	'	'
Financial assets:	'	'	'
Securities available for sale	5,270	'	5,485
Recurring basis | Fair Value, Inputs, Level 1	'	'	'
Financial assets:	'	'	'
Securities available for sale	1,000	'	995
Recurring basis | Fair Value, Inputs, Level 1 | Mutual fund	'	'	'
Financial assets:	'	'	'
Securities available for sale	1,000	'	995
Recurring basis | Fair Value, Inputs, Level 2	'	'	'
Financial assets:	'	'	'
Securities available for sale	410,155	'	426,413
Mortgage loans held for sale	2,414	'	3,506
Rate lock loan commitments	158	'	77
Mandatory forward contracts	7	'	12
Interest rate swap agreements	'	'	170
Financial Liabilities:	'	'	'
Interest rate swap agreements	69	'	'
Recurring basis | Fair Value, Inputs, Level 2 | U.S. Treasury securities and U.S. Government agencies	'	'	'
Financial assets:	'	'	'
Securities available for sale	98,558	'	97,465
Recurring basis | Fair Value, Inputs, Level 2 | Mortgage backed securities - residential	'	'	'
Financial assets:	'	'	'
Securities available for sale	142,264	'	150,087
Recurring basis | Fair Value, Inputs, Level 2 | Collateralized mortgage obligations	'	'	'
Financial assets:	'	'	'
Securities available for sale	154,301	'	163,946
Recurring basis | Fair Value, Inputs, Level 2 | Corporate bonds	'	'	'
Financial assets:	'	'	'
Securities available for sale	15,032	'	14,915
Recurring basis | Fair Value, Inputs, Level 3	'	'	'
Financial assets:	'	'	'
Securities available for sale	5,270	'	5,485
Recurring basis | Fair Value, Inputs, Level 3 | Private label mortgage backed security	'	'	'
Financial assets:	'	'	'
Securities available for sale	5,270	'	5,485
Recurring basis | Total Fair Value	'	'	'
Financial assets:	'	'	'
Securities available for sale	416,929	'	432,893
Mortgage loans held for sale	2,414	'	3,506
Rate lock loan commitments	158	'	77
Mandatory forward contracts	7	'	12
Interest rate swap agreements	'	'	170
Financial Liabilities:	'	'	'
Interest rate swap agreements	69	'	'
Recurring basis | Total Fair Value | U.S. Treasury securities and U.S. Government agencies	'	'	'
Financial assets:	'	'	'
Securities available for sale	98,558	'	97,465
Recurring basis | Total Fair Value | Private label mortgage backed security	'	'	'
Financial assets:	'	'	'
Securities available for sale	5,270	'	5,485
Recurring basis | Total Fair Value | Mortgage backed securities - residential	'	'	'
Financial assets:	'	'	'
Securities available for sale	142,264	'	150,087
Recurring basis | Total Fair Value | Collateralized mortgage obligations	'	'	'
Financial assets:	'	'	'
Securities available for sale	154,301	'	163,946
Recurring basis | Total Fair Value | Mutual fund	'	'	'
Financial assets:	'	'	'
Securities available for sale	1,000	'	995
Recurring basis | Total Fair Value | Corporate bonds	'	'	'
Financial assets:	'	'	'
Securities available for sale	$15,032	'	$14,915

FAIR_VALUE_Details_2

FAIR VALUE (Details 2) (Private label mortgage backed security, USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Private label mortgage backed security	'	'
Assets measured on recurring basis, unobservable input reconciliation	'	'
Balance, beginning of year	$5,485	$5,687
Net change in unrealized gain	54	184
Recovery of actual losses previously recorded	32	'
Principal paydowns	-301	-183
Balance, end of year	$5,270	$5,688

FAIR_VALUE_Details_3

FAIR VALUE (Details 3) (Private label mortgage backed security, Fair Value, Measurements, Recurring, Fair Value, Inputs, Level 3, USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Fair value inputs quantitative information	'	'
Mortgage backed security fair value	5,270	5,485
Discounted cash flow | Minimum	'	'
Fair value inputs quantitative information	'	'
Constant prepayment rate (as a percent)	3.00%	2.50%
Probability of default (as a percent)	3.00%	3.00%
Loss severity (as a percent)	55.00%	55.00%
Discounted cash flow | Maximum	'	'
Fair value inputs quantitative information	'	'
Constant prepayment rate (as a percent)	6.50%	6.50%
Probability of default (as a percent)	9.00%	7.00%
Loss severity (as a percent)	70.00%	75.00%

FAIR_VALUE_Details_4

FAIR VALUE (Details 4) (Nonrecurring basis, USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	$8,500	$8,538
Other real estate owned	9,003	8,418
Residential Real Estate	'	'
Fair Value Disclosures	'	'
Other real estate owned	505	1,716
Residential Real Estate - Owner Occupied	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	2,199	2,020
Commercial real estate	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	5,131	5,488
Other real estate owned	4,199	507
Construction & Land Development	'	'
Fair Value Disclosures	'	'
Other real estate owned	4,299	6,195
Home equity	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	1,170	1,030
Fair Value, Inputs, Level 3	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	8,500	8,538
Other real estate owned	9,003	8,418
Fair Value, Inputs, Level 3 | Residential Real Estate	'	'
Fair Value Disclosures	'	'
Other real estate owned	505	1,716
Fair Value, Inputs, Level 3 | Residential Real Estate - Owner Occupied	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	2,199	2,020
Fair Value, Inputs, Level 3 | Commercial real estate	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	5,131	5,488
Other real estate owned	4,199	507
Fair Value, Inputs, Level 3 | Construction & Land Development	'	'
Fair Value Disclosures	'	'
Other real estate owned	4,299	6,195
Fair Value, Inputs, Level 3 | Home equity	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	$1,170	$1,030

FAIR_VALUE_Details_5

FAIR VALUE (Details 5) (Level 3, Fair Value, Measurements, Nonrecurring, USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Impaired Loans | Commercial Real Estate | Sale comparison approach	'	'
Quantitative information about fair value measurements	'	'
Fair Value	5,131	5,488
Impaired Loans | Commercial Real Estate | Sale comparison approach | Minimum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	0.00%	0.00%
Impaired Loans | Commercial Real Estate | Sale comparison approach | Maximum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	25.00%	30.00%
Impaired Loans | Commercial Real Estate | Sale comparison approach | Weighted Average	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	3.00%	19.00%
Impaired Loans | Residential Real Estate | Sale comparison approach	'	'
Quantitative information about fair value measurements	'	'
Fair Value	2,199	2,020
Impaired Loans | Residential Real Estate | Sale comparison approach | Minimum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	0.00%	2.00%
Impaired Loans | Residential Real Estate | Sale comparison approach | Maximum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	22.00%	22.00%
Impaired Loans | Residential Real Estate | Sale comparison approach | Weighted Average	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	3.00%	7.00%
Impaired Loans | Home equity | Sale comparison approach	'	'
Quantitative information about fair value measurements	'	'
Fair Value	1,170	1,030
Impaired Loans | Home equity | Sale comparison approach | Minimum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	0.00%	0.00%
Impaired Loans | Home equity | Sale comparison approach | Maximum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	22.00%	10.00%
Impaired Loans | Home equity | Sale comparison approach | Weighted Average	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	6.00%	2.00%
Other Real Estate Owned | Commercial real estate | Sale comparison approach	'	'
Quantitative information about fair value measurements	'	'
Fair Value	4,199	507
Other Real Estate Owned | Commercial real estate | Sale comparison approach | Minimum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	22.00%	23.00%
Other Real Estate Owned | Commercial real estate | Sale comparison approach | Maximum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	34.00%	33.00%
Other Real Estate Owned | Commercial real estate | Sale comparison approach | Weighted Average	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	23.00%	29.00%
Other Real Estate Owned | Construction & Land Development | Sale comparison approach	'	'
Quantitative information about fair value measurements	'	'
Fair Value	1,279	2,236
Other Real Estate Owned | Construction & Land Development | Sale comparison approach | Minimum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	15.00%	17.00%
Other Real Estate Owned | Construction & Land Development | Sale comparison approach | Maximum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	143.00%	58.00%
Other Real Estate Owned | Construction & Land Development | Sale comparison approach | Weighted Average	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	39.00%	43.00%
Other Real Estate Owned | Construction & Land Development | Income approach	'	'
Quantitative information about fair value measurements	'	'
Fair Value	3,020	3,959
Adjustments determined by management for differences (as a percent)	19.00%	21.00%
Other Real Estate Owned | Construction & Land Development | Income approach | Weighted Average	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	19.00%	21.00%
Other Real Estate Owned | Residential Real Estate | Sale comparison approach	'	'
Quantitative information about fair value measurements	'	'
Fair Value	505	1,716
Adjustments determined by management for differences (as a percent)	47.00%	'
Other Real Estate Owned | Residential Real Estate | Sale comparison approach | Minimum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	'	10.00%
Other Real Estate Owned | Residential Real Estate | Sale comparison approach | Maximum	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	'	53.00%
Other Real Estate Owned | Residential Real Estate | Sale comparison approach | Weighted Average	'	'
Quantitative information about fair value measurements	'	'
Adjustments determined by management for differences (as a percent)	47.00%	30.00%

FAIR_VALUE_Details_6

FAIR VALUE (Details 6) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Impaired loans	'	'
Carrying amount of loans measured at fair value	$63,651	$71,273
Nonrecurring basis	'	'
Impaired loans	'	'
Total fair value	8,500	8,538
Fair Value, Inputs, Level 3 | Nonrecurring basis	'	'
Impaired loans	'	'
Carrying amount of loans measured at fair value	7,603	7,629
Estimated selling costs considered in carrying amount	897	909
Total fair value	$8,500	$8,538

FAIR_VALUE_Details_7

FAIR VALUE (Details 7) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
Real Estate, Write-down or Reserve	'	'	'
Carrying value of other real estate owned	$16,914	'	$17,102
Other real estate owned writedowns	884	366	'
Other Real Estate Owned	'	'	'
Real Estate, Write-down or Reserve	'	'	'
Carrying value of other real estate owned	16,914	'	17,102
Other real estate owned writedowns	$884	$366	'

FAIR_VALUE_Details_8

FAIR VALUE (Details 8) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2013
Mortgage servicing rights fair value disclosures	'
Credit to mortgage banking income due to impairment evaluation	($152)
Mortgage Servicing Rights | Nonrecurring basis	'
Mortgage servicing rights fair value disclosures	'
Credit to mortgage banking income due to impairment evaluation	($152)

FAIR_VALUE_Details_9

FAIR VALUE (Details 9) (USD $)	3 Months Ended				3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013	Dec. 31, 2012	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
					Mortgage Loans Held for Sale	Mortgage Loans Held for Sale	Mortgage Loans Held for Sale
Fair value gain loss change in fair value	'	'	'	'	'	'	'
Aggregate fair value	$2,414	$20,726	$3,506	$10,614	$2,414	'	$3,506
Contractual balance	'	'	'	'	2,360	'	3,417
Gain	498	3,284	'	'	54	'	89
Interest income	27,304	29,130	'	'	46	113	'
Change in fair value	'	'	'	'	-35	134	'
Total change in fair value	'	'	'	'	$11	$247	'

FAIR_VALUE_Details_10

FAIR VALUE (Details 10) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Assets:	'	'
Securities available for sale	$416,425	$432,893
Securities to be held to maturity	49,645	50,768
Fair Value, Inputs, Level 1	'	'
Assets:	'	'
Cash and cash equivalents	343,386	170,863
Securities available for sale	1,000	995
Fair Value, Inputs, Level 2	'	'
Assets:	'	'
Securities available for sale	410,155	426,413
Securities to be held to maturity	49,138	50,768
Mortgage loans held for sale, at fair value	2,414	3,506
Mortgage servicing rights	7,237	7,337
Accrued interest receivable	8,002	8,272
Liabilities:	'	'
Securities sold under agreements to repurchase and other short-term borrowings	222,174	165,555
Federal Home Loan Bank advances	594,936	618,064
Subordinated note	37,751	38,020
Accrued interest payable	1,347	1,459
Fair Value, Inputs, Level 2 | Non Interest Bearing Deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	568,162	488,642
Fair Value, Inputs, Level 2 | Transaction deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	1,267,812	1,244,256
Fair Value, Inputs, Level 2 | Time deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	249,401	259,345
Fair Value, Inputs, Level 3	'	'
Assets:	'	'
Securities available for sale	5,270	5,485
Loans, net	2,584,302	2,585,476
Carrying Value	'	'
Assets:	'	'
Cash and cash equivalents	343,386	170,863
Securities available for sale	416,425	432,893
Securities to be held to maturity	49,073	50,644
Mortgage loans held for sale, at fair value	2,414	3,506
Loans, net	2,551,967	2,566,766
Federal Home Loan Bank stock	28,310	28,342
Mortgage servicing rights	5,227	5,409
Accrued interest receivable	8,002	8,272
Liabilities:	'	'
Securities sold under agreements to repurchase and other short-term borrowings	222,174	165,555
Federal Home Loan Bank advances	582,000	605,000
Subordinated note	41,240	41,240
Accrued interest payable	1,347	1,459
Carrying Value | Non Interest Bearing Deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	568,162	488,642
Carrying Value | Transaction deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	1,267,812	1,244,256
Carrying Value | Time deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	248,238	257,959
Total Fair Value	'	'
Assets:	'	'
Cash and cash equivalents	343,386	170,863
Securities available for sale	416,929	432,893
Securities to be held to maturity	49,138	50,768
Mortgage loans held for sale, at fair value	2,414	3,506
Loans, net	2,584,302	2,585,476
Mortgage servicing rights	7,237	7,337
Accrued interest receivable	8,002	8,272
Liabilities:	'	'
Securities sold under agreements to repurchase and other short-term borrowings	222,174	165,555
Federal Home Loan Bank advances	594,936	618,064
Subordinated note	37,751	38,020
Accrued interest payable	1,347	1,459
Total Fair Value | Non Interest Bearing Deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	568,162	488,642
Total Fair Value | Transaction deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	1,267,812	1,244,256
Total Fair Value | Time deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	$249,401	$259,345

MORTGAGE_BANKING_ACTIVITIES_De

MORTGAGE BANKING ACTIVITIES (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
MORTGAGE BANKING ACTIVITIES	'	'
Balance, beginning of year	$3,506	$10,614
Origination of mortgage loans held for sale	14,110	84,593
Proceeds from the sale of mortgage loans held for sale	-15,700	-77,765
Net gain on sale of mortgage loans held for sale	498	3,284
Balance, end of year	$2,414	$20,726

MORTGAGE_BANKING_ACTIVITIES_De1

MORTGAGE BANKING ACTIVITIES (Details 2) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Mortgage servicing rights	'	'
Net gain realized on sale of mortgage loans held for sale	$458	$2,238
Net gain recognized	498	3,284
Loan servicing income	302	546
Amortization of mortgage servicing rights	-314	-708
Change in mortgage servicing rights valuation allowance	'	152
Net servicing income recognized	-12	-10
Total Mortgage Banking income	486	3,274
Net change in fair value recognized on loans held for sale	'	'
Mortgage servicing rights	'	'
Net change in fair value	-35	134
Net change in fair value recognized on rate lock commitments	'	'
Mortgage servicing rights	'	'
Net change in fair value	80	1,133
Net change in fair value recognized on forward contracts	'	'
Mortgage servicing rights	'	'
Net change in fair value	($5)	($221)

MORTGAGE_BANKING_ACTIVITIES_De2

MORTGAGE BANKING ACTIVITIES (Details 3) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
MORTGAGE BANKING ACTIVITIES	'	'
Balance, beginning of year	$5,409	$4,777
Additions	132	637
Amortized to expense	-314	-708
Change in valuation allowance	'	152
Balance, end of year	$5,227	$4,858

MORTGAGE_BANKING_ACTIVITIES_De3

MORTGAGE BANKING ACTIVITIES (Details 4) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Activity for the valuation allowance for capitalized mortgage servicing rights	'	'
Balance, beginning of year	'	($345)
Additions	0	'
Reductions credited to operations	0	152
Balance, end of year	$0	($193)

MORTGAGE_BANKING_ACTIVITIES_De4

MORTGAGE BANKING ACTIVITIES (Details 5) (USD $)	3 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
Mortgage Servicing Rights	'	'
Fair value of mortgage servicing rights portfolio	$7,237	$7,337
Discount rate (as percent)	10.00%	10.00%
Weighted average default rate (as percent)	1.50%	1.50%
Weighted average life in years	'6 years 1 month 24 days	'6 years 2 months 1 day
Minimum	'	'
Mortgage Servicing Rights	'	'
Prepayment speed range (as percent)	112.00%	105.00%
Maximum	'	'
Mortgage Servicing Rights	'	'
Prepayment speed range (as percent)	462.00%	550.00%

MORTGAGE_BANKING_ACTIVITIES_De5

MORTGAGE BANKING ACTIVITIES (Details 6) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013
MORTGAGE BANKING ACTIVITIES	'	'
Derivative instruments expiration period	'90 days	'
Notional amounts and fair values of mortgage banking derivatives	'	'
Notional Amount, Assets	$13,671	$9,964
Fair Value, Assets	165	89
Mortgage loans held for sale	'	'
Notional amounts and fair values of mortgage banking derivatives	'	'
Notional Amount, Assets	2,360	3,417
Fair Value, Assets	2,414	3,506
Rate lock loan commitments	'	'
Notional amounts and fair values of mortgage banking derivatives	'	'
Notional Amount, Assets	7,054	4,393
Fair Value, Assets	158	77
Mandatory forward contracts	'	'
Notional amounts and fair values of mortgage banking derivatives	'	'
Notional Amount, Assets	6,617	5,571
Fair Value, Assets	$7	$12

INTEREST_RATE_SWAPS_Details

INTEREST RATE SWAPS (Details) (USD $)	3 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Dec. 31, 2013	Dec. 31, 2013
		item	item
Summary information about the MMDA Swap designated as a cash flow hedge	'	'	'
Fair value of security pledged as collateral	$271,119	$224,989	$224,989
Cash flow hedges included in the consolidated balance sheet	'	'	'
Notional amount included in other assets	13,671	9,964	9,964
Fair value included in other assets	165	89	89
Interest rate swap | Cash flow hedge	'	'	'
Interest rate swap	'	'	'
Number of derivative agreements	'	2	2
Derivative description of variable rate basis	'	'three-month LIBOR	'
Summary information about the MMDA Swap designated as a cash flow hedge	'	'	'
Notional amount	20,000	20,000	20,000
Weighted average pay rate (as a percent)	2.25%	2.25%	2.25%
Weighted average receive rate (as a percent)	0.19%	0.21%	0.21%
Weighted average maturity in years	'7 years	'	'7 years
Unrealized gain (loss)	-69	'	170
Fair value of security pledged as collateral	343	'	'
Interest expense on deposits related to money market swap transaction	49	'	'
Interest expense on FHLB Advances related to FHLB swap transaction	51	'	'
Total interest expense on swap transaction	100	'	'
Net losses recorded in accumulated OCI and the consolidated statements of income relating to the MMDA Swap	'	'	'
Amount of Gain (Loss) Recognized in Other Comprehensive Income on Derivative (Effective Portion)	-156	'	'
Cash flow hedges included in the consolidated balance sheet	'	'	'
Notional amount included in other assets	'	20,000	20,000
Fair value included in other assets	'	170	170
Notional amount included in other liabilities	20,000	'	'
Fair value included in other liabilities	$69	'	'

OFF_BALANCE_SHEET_RISKS_COMMIT2

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)	Mar. 31, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Commitments and letters of credit	'	'
Loan commitment, line credit	$645,050	$623,069
Unused warehouse lines of credit	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	199,238	208,424
Unused home equity lines of credit	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	230,395	230,361
Unused loan commitments - other	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	198,599	178,776
Standby letters of credit	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	13,068	2,308
FHLB letters of credit	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	$3,750	$3,200

OFF_BALANCE_SHEET_RISKS_COMMIT3

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Details 2) (Pending, Putative class action)	Mar. 31, 2014	Jun. 21, 2013
	item	item
Pending | Putative class action	'	'
Lawsuit	'	'
Number of claims	6	7
Number of counts divided from Count One in the Amended Complaint	2	'

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
EARNINGS PER SHARE	'	'
Net income	$11,984	$13,356
Weighted average shares outstanding	20,796	20,864
Effect of dilutive securities (in shares)	97	69
Average shares outstanding including dilutive securities	20,893	20,933
Diluted earnings per share:	'	'
Antidilutive stock options (in shares)	15,500	128,450
Average antidilutive stock options (in shares)	15,500	128,450
Class A Common Stock	'	'
EARNINGS PER SHARE	'	'
Cash dividend premium per share (as a percent)	10.00%	'
Basic earnings per share:	'	'
Basic earnings per share	$0.58	$0.64
Diluted earnings per share:	'	'
Diluted earnings per share	$0.58	$0.64
Class B Common Stock	'	'
Basic earnings per share:	'	'
Basic earnings per share	$0.56	$0.63
Diluted earnings per share:	'	'
Diluted earnings per share	$0.56	$0.62

SEGMENT_INFORMATION_Details

SEGMENT INFORMATION (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013	Dec. 31, 2013
	segment
SEGMENT INFORMATION	'	'	'
Number of operating segments	3	'	'
SEGMENT INFORMATION	'	'	'
Net interest income	$27,304	$29,130	'
Provision for loan losses	-703	-625	'
Net refund transfer fees	14,388	12,014	'
Mortgage banking income	486	3,274	'
Bargain purchase gain - FCB	'	1,324	'
Other non interest income	6,586	5,913	'
Total non-interest income	21,460	22,525	'
Total non interest expenses	30,944	31,302	'
INCOME BEFORE INCOME TAX EXPENSE	18,523	20,978	'
Income tax expense	6,539	7,622	'
NET INCOME	11,984	13,356	'
Segment end of period total assets	3,507,172	3,401,358	3,371,904
Net interest margin (as percent)	3.24%	3.55%	'
Traditional Banking	'	'	'
SEGMENT INFORMATION	'	'	'
Net interest income	27,113	28,961	'
Provision for loan losses	-240	-26	'
Bargain purchase gain - FCB	'	1,324	'
Other non interest income	5,819	5,397	'
Total non-interest income	5,819	6,721	'
Total non interest expenses	24,607	25,182	'
INCOME BEFORE INCOME TAX EXPENSE	8,565	10,526	'
Income tax expense	2,784	3,964	'
NET INCOME	5,781	6,562	'
Segment end of period total assets	3,441,183	3,316,188	'
Net interest margin (as percent)	3.29%	3.60%	'
Mortgage Banking	'	'	'
SEGMENT INFORMATION	'	'	'
Net interest income	46	113	'
Mortgage banking income	486	3,274	'
Other non interest income	74	8	'
Total non-interest income	560	3,282	'
Total non interest expenses	1,210	863	'
INCOME BEFORE INCOME TAX EXPENSE	-604	2,532	'
Income tax expense	-211	886	'
NET INCOME	-393	1,646	'
Segment end of period total assets	8,062	25,989	'
Republic Processing Group	'	'	'
SEGMENT INFORMATION	'	'	'
Net interest income	145	56	'
Provision for loan losses	-463	-599	'
Net refund transfer fees	14,388	12,014	'
Other non interest income	693	508	'
Total non-interest income	15,081	12,522	'
Total non interest expenses	5,127	5,257	'
INCOME BEFORE INCOME TAX EXPENSE	10,562	7,920	'
Income tax expense	3,966	2,772	'
NET INCOME	6,596	5,148	'
Segment end of period total assets	$57,927	$59,181	'

OTHER_COMPREHENSIVE_INCOME_Det

OTHER COMPREHENSIVE INCOME (Details) (USD $)	3 Months Ended
In Thousands, unless otherwise specified	Mar. 31, 2014	Mar. 31, 2013
Available for Sale Securities:	'	'
Unrealized gain (loss) on securities available for sale	$2	($398)
Change in unrealized gain on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	54	184
Net unrealized gains (losses)	56	-214
Tax effect	-20	75
Net of tax	36	-139
Cash Flow Hedges:	'	'
Change in fair value of derivatives used for cash flow hedges	-239	'
Net unrealized gains	-239	'
Tax effect	83	'
Net of tax	-156	'
Accumulated OCI balances, net of tax	'	'
Beginning balance	3,121	5,612
Current Year Change	-120	-139
Ending balance	3,001	5,473
Unrealized gains (losses) on securities available for sale	'	'
Accumulated OCI balances, net of tax	'	'
Beginning balance	2,526	5,610
Current Year Change	1	-259
Ending balance	2,527	5,351
Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	'	'
Accumulated OCI balances, net of tax	'	'
Beginning balance	484	2
Current Year Change	35	120
Ending balance	519	122
Unrealized gains on cash flow hedge	'	'
Accumulated OCI balances, net of tax	'	'
Beginning balance	111	'
Current Year Change	-156	'
Ending balance	($45)	'