Republic Bancorp (RBCAA) 10-Q 8 Aug 14 2014 Q2 Quarterly report Financial data

Document_and_Entity_Informatio

Document and Entity Information	6 Months Ended
	Jun. 30, 2014	Jul. 31, 2014	Jul. 31, 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	30-Jun-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	'	18,548,340	2,245,492
Document Fiscal Year Focus	'2014	'	'
Document Fiscal Period Focus	'Q2	'	'

CONSOLIDATED_BALANCE_SHEETS

CONSOLIDATED BALANCE SHEETS (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
ASSETS	'	'
Cash and cash equivalents	$84,273	$170,863
Securities available for sale	463,646	432,893
Securities held to maturity (fair value of $48,594 in 2014 and $50,768 in 2013)	48,338	50,644
Mortgage loans held for sale, at fair value	6,809	3,506
Loans	2,725,017	2,589,792
Allowance for loan losses	-22,772	-23,026
Loans, net	2,702,245	2,566,766
Federal Home Loan Bank stock, at cost	28,208	28,342
Premises and equipment, net	32,481	32,908
Goodwill	10,168	10,168
Other real estate owned	11,613	17,102
Bank owned life insurance	50,656	25,086
Other assets and accrued interest receivable	26,887	33,626
TOTAL ASSETS	3,465,324	3,371,904
Deposits:	'	'
Non interest-bearing	519,651	488,642
Interest-bearing	1,485,332	1,502,215
Total deposits	2,004,983	1,990,857
Securities sold under agreements to repurchase and other short-term borrowings	197,439	165,555
Federal Home Loan Bank advances	640,000	605,000
Subordinated note	41,240	41,240
Other liabilities and accrued interest payable	26,371	26,459
Total liabilities	2,910,033	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	4,893	4,894
Additional paid in capital	133,320	133,012
Retained earnings	412,338	401,766
Accumulated other comprehensive income	4,740	3,121
Total stockholders' equity	555,291	542,793
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$3,465,324	$3,371,904

CONSOLIDATED_BALANCE_SHEETS_Pa

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, except Per Share data, unless otherwise specified
Securities held to maturity, fair value (in dollars)	$48,594	$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		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
INTEREST INCOME:	'	'	'	'
Loans, including fees	$30,110	$31,735	$60,272	$63,649
Taxable investment securities	1,908	1,976	3,767	4,016
Federal Home Loan Bank stock and other	387	408	863	855
Total interest income	32,405	34,119	64,902	68,520
INTEREST EXPENSE:	'	'	'	'
Deposits	937	975	1,915	2,030
Securities sold under agreements to repurchase and other short-term borrowings	22	13	44	42
Federal Home Loan Bank advances	3,267	3,735	6,831	7,293
Subordinated note	629	629	1,258	1,258
Total interest expense	4,855	5,352	10,048	10,623
NET INTEREST INCOME	27,550	28,767	54,854	57,897
Provision for loan losses	693	905	-10	280
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	26,857	27,862	54,864	57,617
NON-INTEREST INCOME:	'	'	'	'
Service charges on deposit accounts	3,563	3,498	6,858	6,708
Net refund transfer fees	1,836	1,683	16,224	13,697
Mortgage banking income	812	2,180	1,298	5,454
Debit card interchange fee income	1,738	1,656	3,673	3,467
Bargain purchase gain	'	'	'	1,324
Net gain on sale of other real estate owned	264	1,034	666	1,311
Increase in cash surrender value of bank owned life insurance	379	'	570	'
Other	920	732	1,683	1,347
Total non-interest income	9,512	10,783	30,972	33,308
NON-INTEREST EXPENSES:	'	'	'	'
Salaries and employee benefits	13,965	15,086	28,448	31,200
Occupancy and equipment, net	5,508	5,315	11,330	10,892
Communication and transportation	856	991	1,882	2,021
Marketing and development	983	880	1,575	1,782
FDIC insurance expense	414	402	983	815
Bank franchise tax expense	831	857	3,170	2,572
Data processing	913	792	1,754	1,508
Debit card interchange expense	807	718	1,761	1,561
Supplies	60	218	500	572
Other real estate owned expense	560	945	1,630	1,834
Legal expense	88	1,338	500	1,768
Other	1,730	2,157	4,126	4,476
Total non-interest expenses	26,715	29,699	57,659	61,001
INCOME BEFORE INCOME TAX EXPENSE	9,654	8,946	28,177	29,924
INCOME TAX EXPENSE	3,332	2,827	9,871	10,449
NET INCOME	6,322	6,119	18,306	19,475
First Commercial Bank	'	'	'	'
NON-INTEREST INCOME:	'	'	'	'
Bargain purchase gain	'	'	'	$1,324
Class A Common Stock	'	'	'	'
BASIC EARNINGS PER COMMON SHARE:	'	'	'	'
Basic earnings per common share (in dollars per share)	$0.31	$0.30	$0.88	$0.94
DILUTED EARNINGS PER COMMON SHARE:	'	'	'	'
Diluted earnings per common share (in dollars per share)	$0.30	$0.30	$0.88	$0.94
DIVIDENDS DECLARED PER COMMON SHARE:	'	'	'	'
Dividends declared per common share (in dollars per share)	$0.19	$0.18	$0.36	$0.34
Class B Common Stock	'	'	'	'
BASIC EARNINGS PER COMMON SHARE:	'	'	'	'
Basic earnings per common share (in dollars per share)	$0.29	$0.28	$0.85	$0.91
DILUTED EARNINGS PER COMMON SHARE:	'	'	'	'
Diluted earnings per common share (in dollars per share)	$0.29	$0.28	$0.85	$0.90
DIVIDENDS DECLARED PER COMMON SHARE:	'	'	'	'
Dividends declared per common share (in dollars per share)	$0.17	$0.16	$0.33	$0.31

CONSOLIDATED_STATEMENTS_OF_COM

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME	'	'	'	'
Net income	$6,322	$6,119	$18,306	$19,475
OTHER COMPREHENSIVE INCOME (LOSS):	'	'	'	'
Change in fair value of derivatives used for cash flow hedges	-265	'	-505	'
Unrealized gain (loss) on securities available for sale	2,626	-2,566	2,628	-2,965
Change in unrealized gain on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	315	238	369	422
Net unrealized gains (losses)	2,676	-2,328	2,492	-2,543
Tax effect	-937	815	-873	891
Total other comprehensive income (loss), net of tax	1,739	-1,513	1,619	-1,652
COMPREHENSIVE INCOME	$8,061	$4,606	$19,925	$17,823

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	18,306	'	'	'	'	'	'	18,306	'	'	'
Net change in accumulated other comprehensive income	1,619	'	'	'	'	'	'	'	'	'	1,619
Dividend declared Common Stock:	'	'	'	'	'	'	'	'	'	'	'
Dividend declared Common Stock	'	-6,727	-744	'	'	'	'	'	-6,727	-744	'
Stock options exercised, net of shares redeemed	117	'	'	2	'	'	129	-14	'	'	'
Stock options exercised, net of shares redeemed (in shares)	'	'	'	'	7	'	'	'	'	'	'
Repurchase of Class A Common Stock	-347	'	'	-3	'	'	-95	-249	'	'	'
Repurchase of Class A Common Stock (in shares)	'	'	'	'	-15	'	'	'	'	'	'
Conversion of Class B Common Stock to Class A Common Stock (in shares)	'	'	'	'	15	-15	'	'	'	'	'
Net change in notes receivable on Class A Common Stock	-85	'	'	'	'	'	-85	'	'	'	'
Deferred director compensation expense - Class A Common Stock	91	'	'	'	'	'	91	'	'	'	'
Deferred director compensation expense - Class A Common Stock (in shares)	'	'	'	'	2	'	'	'	'	'	'
Stock based compensation - restricted stock	255	'	'	'	'	'	255	'	'	'	'
Stock based compensation - restricted stock (in shares)	'	'	'	'	-2	'	'	'	'	'	'
Stock based compensation expense - options	13	'	'	'	'	'	13	'	'	'	'
Balance at Jun. 30, 2014	$555,291	'	'	$4,893	'	'	$133,320	$412,338	'	'	$4,740
Balance (in shares) at Jun. 30, 2014	'	'	'	'	18,548	2,245	'	'	'	'	'

CONSOLIDATED_STATEMENT_OF_STOC1

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (Parenthetical) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Class A Common Stock	'	'	'	'
Dividend declared common stock, per share (in dollars per share)	$0.19	$0.18	$0.36	$0.34
Class B Common Stock	'	'	'	'
Dividend declared common stock, per share (in dollars per share)	$0.17	$0.16	$0.33	$0.31

CONSOLIDATED_STATEMENTS_OF_CAS

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013
OPERATING ACTIVITIES:	'	'
Net income	$18,306	$19,475
Adjustments to reconcile net income to net cash provided by operating activities:	'	'
Depreciation and amortization of premises and equipment	3,386	2,715
Amortization (accretion) on Investment securities, net	330	337
Amortization (accretion) on loans, net	-4,494	-4,989
Provision for loan losses	-10	280
Net gain on sale of mortgage loans held for sale	-1,166	-5,408
Origination of mortgage loans held for sale	-33,284	-208,094
Proceeds from sale of mortgage loans held for sale	31,147	199,942
Net realized recovery of mortgage servicing rights	'	-312
Net gain on sale of other real estate owned	-666	-1,311
Writedowns of other real estate owned	1,217	884
Deferred director compensation expense - Company Stock	91	89
Stock based compensation expense	268	274
Bargain purchase gain on acquisition	'	-1,324
Increase in cash surrender value of bank owned life insurance	-570	'
Net change in other assets and liabilities:	'	'
Accrued interest receivable	189	604
Accrued interest payable	-198	11
Other assets	5,887	-2,123
Other liabilities	-1,549	723
Net cash provided by operating activities	18,884	1,773
INVESTING ACTIVITIES:	'	'
Purchases of securities available for sale	-109,549	-78,205
Purchases of securities to be held to maturity	'	-15,000
Proceeds from calls, maturities and paydowns of securities available for sale	81,567	93,401
Proceeds from calls, maturities and paydowns of securities to be held to maturity	2,269	5,806
Proceeds from sales of Federal Home Loan Bank stock	134	35
Proceeds from sales of other real estate owned	8,136	15,055
Net change in other loans	-25,008	-5,520
Net change in outstanding warehouse lines of credit	-94,555	38,886
Purchase of loans, including premiums paid	-14,695	'
Purchase of bank owned life insurance	-25,000	'
Net purchases of premises and equipment	-2,297	-667
Net cash provided by (used in) investing activities	-178,998	53,791
FINANCING ACTIVITIES:	'	'
Net change in deposits	14,126	-11,881
Net change in securities sold under agreements to repurchase and other short-term borrowings	31,884	-122,352
Payments of Federal Home Loan Bank advances	-83,000	-556
Proceeds from Federal Home Loan Bank advances	118,000	50,000
Repurchase of Common Stock	-347	-4,095
Net proceeds from Common Stock options exercised	117	111
Cash dividends paid	-7,256	-6,792
Net cash provided by (used in) financing activities	73,524	-95,565
NET CHANGE IN CASH AND CASH EQUIVALENTS	-86,590	-40,001
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	170,863	137,691
CASH AND CASH EQUIVALENTS AT END OF PERIOD	84,273	97,690
Cash paid during the period for:	'	'
Interest	10,246	10,612
Income taxes	7,304	20,100
SUPPLEMENTAL NONCASH DISCLOSURES:	'	'
Transfers from loans to real estate acquired in settlement of loans	4,492	4,242
Loans provided for sales of other real estate owned	1,294	569
Change in fair value of derivatives used for cash flow hedges	($505)	'

BASIS_OF_PRESENTATION_AND_SUMM

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
	Jun. 30, 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 subsidiary, Republic Bank & Trust Company (“RB&T” or the “Bank”). The Bank is a Kentucky-based, state chartered non-member financial institution. 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 May 9, 2014, Republic Bank, the Company’s wholly-owned, federally chartered savings institution, merged into RB&T. The merged institution operates under the name Republic Bank & Trust Company. The merger did not materially impact the Company’s consolidated financial statements.
	Subsequent to June 30, 2014, the Company formed Republic Insurance Services, Inc. (the “Captive”). The Captive is a wholly-owned insurance subsidiary of the Company that will provide property and casualty insurance coverage to the Company and the Bank and reinsurance to five other third party insurance captives for which insurance may not be currently available or economically feasible in today’s insurance marketplace.
	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 and six months ended June 30, 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 June 30, 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 separate and independent segment reporting.
	Traditional Banking and Mortgage Banking (collectively “Core Banking”)
	As of June 30, 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
	Republic’s headquarters are located in Louisville, which is the largest city in Kentucky based on population.
	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. FHLB advances have traditionally been a significant borrowing source for the Bank.
	The Bank provides short-term, revolving credit facilities to mortgage bankers across the Nation through mortgage warehouse lines of credit.  These credit facilities are secured by single family, first lien residential real estate loans.
	The Bank began acquiring single family mortgage loans for investment through its Correspondent Lending division in May 2014. Correspondent lending generally involves the Bank acquiring closed loans that meet the Bank’s specifications from its Mortgage Warehouse clients. Substantially all loans purchased through the Correspondent Lending channel are purchased at a premium.  Premiums on loans held for investment acquired though the Correspondent Lending division are amortized into income on the level-yield method over the expected life of the loan.
	Other sources of Core Banking income include service charges on deposit accounts, debit and credit 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
	All divisions of the RPG segment operate through the Bank. Nationally, 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 the Bank has received the refund from the federal or state government. There is no credit risk or borrowing cost 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.
	The RPS division is an issuing bank offering general purpose reloadable prepaid debit cards through third party program managers. The RCS division is piloting short-term consumer credit products.
	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.
	Accounting Standards Update (“ASU”) 2014-08 — Presentation of Financial Statements and Property, Plant and Equipment (Topic 205 and Topic 360): Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity.
	The amendments in this ASU change the criteria for reporting discontinued operations for all public and nonpublic entities. A discontinued operation may include a component of an entity or a group of components of an entity, or a business or nonprofit activity. A disposal of a component of an entity or a group of components of an entity is required to be reported in discontinued operations if the disposal represents a strategic shift that has (or will have) a major effect on an entity’s operations and financial results. 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.
	ASU 2014-11 — Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings and Disclosures.
	The amendments in this ASU require that repurchase-to-maturity transactions be accounted for as secured borrowings consistent with the accounting for other repurchase agreements. In addition, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty (a repurchase financing), which will result in secured borrowing accounting for the repurchase agreement. The amendments require an entity to disclose information about transfers accounted for as sales in transactions that are economically similar to repurchase agreements, in which the transferor retains substantially all of the exposure to the economic return on the transferred financial asset throughout the term of the transaction. In addition the amendments require disclosure of the types of collateral pledged in repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions and the tenor of those transactions. 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.
	ASU 2014-12 — Compensation — Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That Performance Targets Could Be Achieved after the Requisite Service Period.
	The amendments in this ASU are intended to resolve the diverse accounting treatment of share-based awards that require a specific performance target. 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.

INVESTMENT_SECURITIES

INVESTMENT SECURITIES	6 Months Ended
	Jun. 30, 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
	June 30, 2014 (in thousands)	Cost		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	144,821	$	640		$	(17	)	$	145,444
	Private label mortgage backed security	4,347		1,114			—			5,461
	Mortgage backed securities - residential	131,702		4,803			(87		)	136,418
	Collateralized mortgage obligations	159,137		1,308			(912		)	159,533
	Freddie Mac preferred stock	—		718			—			718
	Mutual fund	1,000		11			—			1,011
	Corporate bonds	15,013		52			(4		)	15,061
	Total securities available for sale	$	456,020	$	8,646		$	(1,020	)	$	463,646
		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
	June 30, 2014 (in thousands)	Value		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	2,275	$	5		$	(8	)	$	2,272
	Mortgage backed securities - residential	412		53			—			465
	Collateralized mortgage obligations	40,651		387			(52		)	40,986
	Corporate bonds	5,000		—			(129		)	4,871
	Total securities held to maturity	$	48,338	$	445		$	(189	)	$	48,594
				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 June 30, 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 and six months ended June 30, 2014 and 2013, there were no sales or calls of securities available for sale or applicable tax provisions for such transactions.
	Investment Securities by Contractual Maturity
	The amortized cost and fair value of the investment securities portfolio by contractual maturity at June 30, 2014 follows. Expected maturities may differ from contractual maturities if securities issuers 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
	June 30, 2014 (in thousands)	Cost		Value			Value			Value
	Due in one year or less	$	23,493	$	23,715		$	500		$	502
	Due from one year to five years	126,341		126,794			1,775			1,771
	Due from five years to ten years	10,000		9,996			5,000			4,870
	Due beyond ten years	—		—			—			—
	Private label mortgage backed security	4,347		5,461			—			—
	Mortgage backed securities - residential	131,702		136,418			412			465
	Collateralized mortgage obligations	159,137		159,533			40,651			40,986
	Freddie Mac preferred stock	—		718			—			—
	Mutual fund	1,000		1,011			—			—
	Total securities	$	456,020	$	463,646		$	48,338		$	48,594
	Freddie Mac Preferred Stock
	During 2008, the U.S. Treasury, the Federal Reserve Board, and the Federal Housing Finance Agency (“FHFA”) announced that the FHFA was placing Freddie Mac under conservatorship and giving management control to the FHFA. The Bank contemporaneously determined that its 40,000 shares of Freddie Mac preferred stock were fully impaired and recorded an Other Than Temporary Impairment (“OTTI”) charge of $2.1 million for the shares.  The OTTI charge brought the carrying value of the stock down to $0.  During the second quarter of 2014, based on the active trading volume and price of Freddie Mac preferred stock, the Company determined it appropriate to record an unrealized gain to other comprehensive income (“OCI”) related to its Freddie Mac preferred stock holdings.  Based on the stock’s market closing price as of June 30, 2014, the Company’s unrealized gain for its Freddie Mac preferred stock totaled $718,000.
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 June 30, 2014 and December 31, 2013.
Mortgage Backed Securities
At June 30, 2014, with the exception of the $5.5 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 June 30, 2014 and December 31, 2013, there were gross unrealized/unrecognized losses of $999,000 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 June 30, 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
June 30, 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	$	2,106	$	(17	)	$	—		$	—		$	2,106	$	(17	)
Mortgage backed securities - residential	8,312		(87		)	—			—			8,312		(87		)
Collateralized mortgage obligations	56,578		(778		)	7,567			(134		)	64,145		(912		)
Corporate bonds	9,996		(4		)	—			—			9,996		(4		)
Total securities available for sale	$	76,992	$	(886	)	$	7,567		$	(134	)	$	84,559	$	(1,020	)
	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	$	(8	)	$	—		$	—		$	521	$	(8	)
Collateralized mortgage obligations	18,274		(52		)	—			—			18,274		(52		)
Corporate bonds	4,871		(129		)	—			—			4,871		(129		)
Total securities held to maturity	$	23,666	$	(189	)	$	—		$	—		$	23,666	$	(189	)
	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 June 30, 2014, the Bank’s security portfolio consisted of 162 securities, 19 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
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 change 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 $5.5 million at June 30, 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)	June 30, 2014		December 31, 2013
Carrying amount	$	249,532	$	224,693
Fair value	249,659		224,989

LOANS_AND_ALLOWANCE_FOR_LOAN_L

LOANS AND ALLOWANCE FOR LOAN LOSSES	6 Months Ended
	Jun. 30, 2014
LOANS AND ALLOWANCE FOR LOAN LOSSES	'
LOANS AND ALLOWANCE FOR LOAN LOSSES	'
	3.                                      LOANS AND ALLOWANCE FOR LOAN LOSSES
	The Bank’s financing receivables consist primarily of loans and a minimal amount of lease financing receivables (together referred to as “loans”). Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of purchase premiums or discounts, deferred loan fees and costs and the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized in interest income using the level-yield method without anticipating prepayments.
	Lease financing receivables, all of which are direct financing leases, are reported at their principal balance outstanding net of any unearned income, deferred fees and costs and applicable allowance for losses.  Leasing income is recognized on a basis that achieves a constant periodic rate of return on the outstanding lease financing balances over the lease terms.
	The composition of loans follows:
	(in thousands)	June 30, 2014			December 31, 2013
	Residential real estate:
	Owner occupied - bank originated	$	1,127,519		$	1,097,795
	Owner occupied - correspondent*	11,785			—
	Non owner occupied - bank originated	98,644			110,809
	Commercial real estate	758,676			773,173
	Commercial real estate - purchased whole loans	34,534			34,186
	Construction & land development	41,109			44,351
	Commercial & industrial	146,334			127,763
	Lease financing receivables	310			—
	Warehouse lines of credit	244,131			149,576
	Home equity	235,919			226,782
	Consumer:
	RPG loans	3,022			1,827
	Credit cards	9,321			9,030
	Overdrafts	1,105			944
	Other consumer	12,608			13,556
	Total loans**	2,725,017			2,589,792
	Less: Allowance for loan losses	22,772			23,026
	Total loans, net	$	2,702,245		$	2,566,766
	* - Loans acquired through the Bank’s Correspondent Lending channel are generally outside of the Bank’s historical market footprint.
	** - Total loans are presented net of premiums, discounts and net loan origination fees and costs.
	Purchased Credit Impaired (“PCI”) Loans
	The contractual amount of PCI loans accounted for under ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality, decreased from $58 million as of December 31, 2013 to $39 million as of June 30, 2014. The carrying value of these loans was $41 million as of December 31, 2013 compared to $27 million as of June 30, 2014.
	The table below reconciles the contractually required and carrying amounts of PCI loans at June 30, 2014 and December 31, 2013:
	(in thousands)	June 30, 2014			December 31, 2013
	Contractually-required principal	$	38,934		$	57,992
	Non-accretable amount	(9,292		)	(13,582		)
	Accretable amount	(2,487		)	(3,457		)
	Carrying value of loans	$	27,155		$	40,953
	The following table presents a rollforward of the accretable amount on PCI loans for the three and six months ended June 30, 2014 and 2013:
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Balance, beginning of period	$	(2,765	)	$	(2,300	)	$	(3,457	)	$	(3,231	)
	Transfers between non-accretable and accretable	(1,029		)	(712		)	(2,340		)	(1,696		)
	Net accretion into interest income on loans, including loan fees	1,307			1,631			3,310			3,263
	Other changes	—			—			—			283
	Balance, end of period	$	(2,487	)	$	(1,381	)	$	(2,487	)	$	(1,381	)
	Credit Quality Indicators
	Based on the Bank’s internal analysis performed, the risk category of loans by class as defined in Republic’s Form 10-K for the year ended December 31, 2013 follows:
														Purchased			Purchased
														Credit			Credit
														Impaired			Impaired			Total
	June 30, 2014				Special						Doubtful /			Loans -			Loans -			Rated
	(in thousands)	Pass			Mention *			Substandard *			Loss			Group 1			Substandard			Loans**
	Residential real estate:
	Owner occupied - bank originated	$	—		$	28,233		$	13,182		$	—		$	1,779		$	—		$	43,194
	Owner occupied - correspondent	—			—			—			—			—			—			—
	Non owner occupied - bank originated	—			1,678			2,048			—			4,600			—			8,326
	Commercial real estate	713,947			9,589			16,736			—			18,361			43			758,676
	Commercial real estate -
	Purchased whole loans	34,534			—			—			—			—			—			34,534
	Construction & land development	37,725			124			2,388			—			872			—			41,109
	Commercial & industrial	142,056			901			1,899			—			1,263			215			146,334
	Lease financing receivables	310			—			—			—			—			—			310
	Warehouse lines of credit	244,131			—			—			—			—			—			244,131
	Home equity	—			—			2,246			—			—			—			2,246
	Consumer:
RPG loans	—			—			—			—			—			—			—
Credit cards	—			—			—			—			—			—			—
Overdrafts	—			—			—			—			—			—			—
Other consumer	—			16			40			—			22			—			78
Total	$	1,172,703		$	40,541		$	38,539		$	—		$	26,897		$	258		$	1,278,938
													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 - bank originated	$	—		$	27,431		$	10,994		$	—		$	2,810		$	—		$	41,235
Owner occupied - correspondent	—			—			—			—			—			—			—
Non owner occupied - bank originated	—			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
Lease financing receivables	—			—			—			—			—			—			—
Warehouse lines of credit	149,576			—			—			—			—			—			149,576
Home equity	—			250			2,014			—			—			—			2,264
Consumer:
RPG loans	—			—			—			—			—			—			—
Credit cards	—			—			—			—			—			—			—
Overdrafts	—			—			—			—			—			—			—
Other consumer	—			18			66			—			33			—			117
Total	$	1,057,609		$	40,167		$	44,083		$	—		$	40,731		$	222		$	1,182,812
* - Special Mention and Substandard loans include $1 million and $5 million at June 30, 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						Six Months Ended
	June 30,						June 30,
(in thousands)	2014			2013			2014			2013
Allowance, beginning of period	$	22,367		$	23,563		$	23,026		$	23,729
Charge offs - Traditional Banking	(715		)	(2,562		)	(1,627		)	(3,117		)
Charge offs - RPG	—			—			—			—
Total charge offs	(715		)	(2,562		)	(1,627		)	(3,117		)
Recoveries - Traditional Banking	364			445			857			860
Recoveries - RPG	63			140			526			739
Total recoveries	427			585			1,383			1,599
Net (charge offs) recoveries - Traditional Banking	(351		)	(2,117		)	(770		)	(2,257		)
Net (charge offs) recoveries - RPG	63			140			526			739
Net (charge offs) recoveries	(288		)	(1,977		)	(244		)	(1,518		)
Provision for losses - Traditional Banking	710			1,045			470			1,019
Provision for losses - RPG	(17		)	(140		)	(480		)	(739		)
Total provision for losses	693			905			(10		)	280
Allowance, end of period	$	22,772		$	22,491		$	22,772		$	22,491
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 portfolio;
·         Changes in experience, ability and depth of lending management and other relevant staff;
·         Changes in the quality of the Bank’s credit review system;
·         Changes in financing 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 portfolios, 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 June 30, 2014 and 2013:
													Commercial
	Residential Real Estate												Real Estate -									Lease
Three Months Ended	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
June 30, 2014 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
Beginning balance	$	7,751		$	—		$	984		$	7,901		$	34		$	1,192		$	1,080		$	—
Provision for losses	460			60			(141		)	(206		)	—			(185		)	70			3
Charge offs	(202		)	—			(7		)	(2		)	—			(1		)	(20		)	—
Recoveries	46			—			3			3			—			84			22			—
Ending balance	$	8,055		$	60		$	839		$	7,696		$	34		$	1,090		$	1,152		$	3
(continued)
	Warehouse						Consumer
	Lines of			Home			RPG			Credit						Other
	Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
Beginning balance	$	477		$	2,371		$	—		$	276		$	212		$	89		$	22,367
Provision for losses	133			235			(17		)	40			113			128			693
Charge offs	—			(217		)	—			(37		)	(142		)	(87		)	(715		)
Recoveries	—			14			63			7			97			88			427
Ending balance	$	610		$	2,403		$	46		$	286		$	280		$	218		$	22,772
													Commercial
	Residential Real Estate												Real Estate -									Lease
Three Months Ended	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Finance
June 30, 2013 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
Beginning balance	$	6,984		$	—		$	924		$	8,781		$	34		$	3,101		$	727		$	—
Provision for losses	991			—			(173		)	572			—			(916		)	244			—
Charge offs	(512		)	—			(115		)	(651		)	—			(600		)	(310		)	—
Recoveries	100			—			6			61			—			2			49			—
Ending balance	$	7,563		$	—		$	642		$	8,763		$	34		$	1,587		$	710		$	—
(continued)
	Warehouse						Consumer
	Lines of			Home			RPG			Credit						Other
	Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
Beginning balance	$	433		$	1,909		$	—		$	326		$	209		$	135		$	23,563
Provision for losses	29			83			(140		)	63			71			81			905
Charge offs	—			(93		)	—			(50		)	(130		)	(101		)	(2,562		)
Recoveries	—			33			140			5			99			90			585
Ending balance	$	462		$	1,932		$	—		$	344		$	249		$	205		$	22,491
The following tables present the activity in the Allowance by portfolio class for the six months ended June 30, 2014 and 2013:
													Commercial
	Residential Real Estate												Real Estate -									Lease
Six Months Ended	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
June 30, 2014 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
Beginning balance	$	7,816		$	—		$	1,023		$	8,309		$	34		$	1,296		$	1,089		$	—
Provision for losses	578			60			(171		)	(384		)	—			(273		)	13			3
Charge offs	(419		)	—			(22		)	(374		)	—			(18		)	(20		)	—
Recoveries	80			—			9			145			—			85			70			—
Ending balance	$	8,055		$	60		$	839		$	7,696		$	34		$	1,090		$	1,152		$	3
(continued)
	Warehouse						Consumer
	Lines of			Home			RPG			Credit						Other
	Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
Beginning balance	$	449		$	2,396		$	—		$	289		$	199		$	126		$	23,026
Provision for losses	161			235			(480		)	22			160			66			(10		)
Charge offs	—			(283		)	—			(42		)	(293		)	(156		)	(1,627		)
Recoveries	—			55			526			17			214			182			1,383
Ending balance	$	610		$	2,403		$	46		$	286		$	280		$	218		$	22,772
													Commercial
	Residential Real Estate												Real Estate -									Lease
Six Months Ended	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
June 30, 2013 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
Beginning balance	$	7,006		$	—		$	1,049		$	8,843		$	34		$	2,769		$	580		$	—
Provision for losses	1,071			—			(263		)	506			—			(620		)	386			—
Charge offs	(713		)	—			(158		)	(665		)	—			(600		)	(310		)	—
Recoveries	199			—			14			79			—			38			54			—
Ending balance	$	7,563		$	—		$	642		$	8,763		$	34		$	1,587		$	710		$	—
(continued)
	Warehouse						Consumer
	Lines of			Home			RPG			Credit						Other
	Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
Beginning balance	$	541		$	2,348		$	—		$	210		$	198		$	151		$	23,729
Provision for losses	(79		)	(352		)	(739		)	184			127			59			280
Charge offs	—			(136		)	—			(60		)	(305		)	(170		)	(3,117		)
Recoveries	—			72			739			10			229			165			1,599
Ending balance	$	462		$	1,932		$	—		$	344		$	249		$	205		$	22,491
Non-performing Loans and Other Assets
Detail of non-performing loans and other assets follows:
(dollars in thousands)	June 30, 2014			December 31, 2013
Loans on non-accrual status(1)	$	19,606		$	19,104
Loans past due 90-days-or-more and still on accrual(2)	734			1,974
Total non-performing loans	20,340			21,078
Other real estate owned	11,613			17,102
Total non-performing assets	$	31,953		$	38,180
Credit Quality Ratios
Non-performing loans to total loans	0.75	%	0.81	%
Non-performing assets to total loans (including OREO)	1.17	%	1.46	%
Non-performing assets to total assets	0.92	%	1.13	%
(1)     Loans on non-accrual status include impaired loans, which are discussed subsequently in Footnote 3 in this section of the filing.
(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:
							Past Due 90-Days-or-More
	Non-Accrual						and Still Accruing Interest*
(in thousands)	June 30, 2014			December 31, 2013			June 30, 2014			December 31, 2013
Residential real estate:
Owner occupied - bank originated	$	9,702		$	8,538		$	173		$	673
Owner occupied - correspondent	—			—			—			—
Non owner occupied - bank originated	1,250			1,279			—			—
Commercial real estate	5,008			7,643			561			—
Commercial real estate - purchased whole loans	—			—			—			—
Construction & land dev.	1,990			97			—			70
Commercial & industrial	131			327			—			1,231
Lease financing receivables	—			—			—			—
Warehouse lines of credit	—			—			—			—
Home equity	1,444			1,128			—			—
Consumer:
RPG loans	—			—			—			—
Credit cards	—			—			—			—
Overdrafts	—			—			—			—
Other consumer	81			92			—			—
Total	$	19,606		$	19,104		$	734		$	1,974
* - For all periods presented, 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 restructurings (“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:
	30 - 59			60 - 89			90 or More
June 30, 2014	Days			Days			Days			Total			Total Not
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent			Delinquent			Total
Residential real estate:
Owner occupied - bank originated	$	1,462		$	1,768		$	3,114		6,344			$	1,121,175		$	1,127,519
Owner occupied - correspondent	—			—			—			—			11,785			11,785
Non owner occupied - bank originated	223			60			131			414			98,230			98,644
Commercial real estate	638			117			1,385			2,140			756,536			758,676
Commercial real estate - purchased whole loans	—			—			—			—			34,534			34,534
Construction & land development	—			—			1,990			1,990			39,119			41,109
Commercial & industrial	—			—			131			131			146,203			146,334
Lease financing receivables	—			—			—			—			310			310
Warehouse lines of credit	—			—			—			—			244,131			244,131
Home equity	284			25			344			653			235,266			235,919
Consumer:
RPG loans	3			93			—			96			2,926			3,022
Credit cards	59			12			4			75			9,246			9,321
Overdrafts	124			2			—			126			979			1,105
Other consumer	75			18			—			93			12,515			12,608
Total	$	2,868		$	2,095		$	7,099		$	12,062		$	2,712,955		$	2,725,017
Delinquency ratio**	0.11		%	0.08		%	0.26		%	0.44		%
	30 - 59			60 - 89			90 or More
December 31, 2013	Days			Days			Days			Total			Total Not
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent			Delinquent			Total
Residential real estate:
Owner occupied - bank originated	$	1,956		$	733		$	3,668		$	6,357		$	1,091,438		$	1,097,795
Owner occupied - correspondent	—			—			—			—			—			—
Non owner occupied - bank originated	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
Lease financing receivables	—			—			—			—			—			—
Warehouse lines of credit	—			—			—			—			149,576			149,576
Home equity	665			48			397			1,110			225,672			226,782
Consumer:
RPG loans	—			—			—			—			1,827			1,827
Credit cards	87			6			5			98			8,932			9,030
Overdrafts	159			—			—			159			785			944
Other consumer	67			27			—			94			13,462			13,556
Total	$	4,335		$	2,165		$	9,723		$	16,223		$	2,573,569		$	2,589,792
Delinquency ratio**	0.17		%	0.08		%	0.38		%	0.63		%
* - Except for PCI loans, all loans 90-days-or-more past due as of June 30, 2014 and December 31, 2013 were on non-accrual status.
** - Delinquency ratio equals delinquent loans divided by total loans.
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)	June 30, 2014			December 31, 2013
Loans with no allocated Allowance	$	31,397		$	36,721
Loans with allocated Allowance	61,605			71,273
Total impaired loans	$	93,002		$	107,994
Amount of the Allowance allocated	$	5,866		$	6,674
Approximately $15 million and $24 million of impaired loans at June 30, 2014 and December 31, 2013 were PCI loans. Approximately $6 million of impaired loans at both June 30, 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 June 30, 2014 and December 31, 2013:
													Commercial
	Residential Real Estate												Real Estate -									Lease
	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
June 30, 2014 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
Allowance:
Ending Allowance balance:
Individually evaluated for impairment, excluding PCI loans	$	3,459		$	—		$	87		$	853		$	—		$	256		$	—		$	—
Collectively evaluated for impairment	4,553			60			625			6,340			34			834			835			3
PCI loans with post acquisition impairment	43			—			127			503			—			—			317			—
PCI loans without post acquisition impairment	—			—			—			—			—			—			—			—
Total ending Allowance:	$	8,055		$	60		$	839		$	7,696		$	34		$	1,090		$	1,152		$	3
Loans:
Impaired loans individually evaluated, excluding PCI loans	$	41,191		$	—		$	3,038		$	25,072		$	—		$	2,584		$	4,153		$	—
Loans collectively evaluated for impairment	1,084,549			11,785			91,006			715,200			34,534			37,653			140,703			310
PCI loans with post acquisition impairment	909			—			3,745			8,615			—			—			1,383			—
PCI loans without post acquisition impairment	870			—			855			9,789			—			872			95			—
	$	1,127,519		$	11,785		$	98,644		$	758,676		$	34,534		$	41,109		$	146,334		$	310
(continued)
	Warehouse						Consumer
	Lines of			Home			RPG			Credit						Other
	Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
Allowance:
Ending Allowance balance:
Individually evaluated for impairment, excluding PCI loans	$	—		$	180		$	—		$	—		$	—		$	40		$	4,875
Collectively evaluated for impairment	610			2,223			46			286			280			177			16,906
PCI loans with post acquisition impairment	—			—			—			—			—			1			991
PCI loans without post acquisition impairment	—			—			—			—			—			—			—
Total ending Allowance:	$	610		$	2,403		$	46		$	286		$	280		$	218		$	22,772
Loans:
Impaired loans individually evaluated, excluding PCI loans	$	—		$	2,246		$	—		$	—		$	—		$	55		$	78,339
Loans collectively evaluated for impairment	244,131			233,673			3,022			9,321			1,105			12,531			2,619,523
PCI loans with post acquisition impairment	—			—			—			—			—			11			14,663
PCI loans without post acquisition impairment	—			—			—			—			—			11			12,492
Total ending loan balance	$	244,131		$	235,919		$	3,022		$	9,321		$	1,105		$	12,608		$	2,725,017
										Commercial
	Residential Real Estate									Real Estate -												Lease
	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
December 31, 2013 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
Allowance:
Ending Allowance balance:
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			—
PCI loans with post acquisition impairment	51			—			290			603			—			10			317			—
PCI loans without post acquisition impairment	—			—			—			—			—			—			—			—
Total ending Allowance:	$	7,816		$	—		$	1,023		$	8,309		$	34		$	1,296		$	1,089		$	—
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			—
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		$	—
(continued)
	Warehouse						Consumer
	Lines of			Home			RPG			Credit						Other
	Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
Allowance:
Ending Allowance balance:
Individually evaluated for impairment, excluding PCI loans	$	—		$	203		$	—		$	—		$	—		$	43		$	5,402
Collectively evaluated for impairment	449			2,193			2			289			199			80			16,352
PCI loans with post acquisition impairment	—			—			—			—			—			1			1,272
PCI loans without post acquisition impairment	—			—			—			—			—			—			—
Total ending Allowance:	$	449		$	2,396		$	2		$	289		$	199		$	124		$	23,026
Loans:
Impaired loans individually evaluated, excluding PCI loans	$	—		$	2,264		$	—		$	—		$	—		$	85		$	84,155
Loans collectively evaluated for impairment	149,576			224,518			1,827			9,030			944			13,438			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	$	149,576		$	226,782		$	1,827		$	9,030		$	944		$	13,556		$	2,589,792
The following tables present loans individually evaluated for impairment by class as of June 30, 2014 and December 31, 2013 and for the three and six months ended June 30, 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									Six Months Ended
	June 30, 2014									June 30, 2014									June 30, 2014
																Cash Basis								Cash Basis
	Unpaid									Average			Interest			Interest			Average			Interest		Interest
	Principal			Recorded			Allowance			Recorded			Income			Income			Recorded			Income		Income
(in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized			Investment			Recognized		Recognized
Impaired loans with no related allowance recorded:
Residential real estate:
Owner occupied - bank originated	$	7,276		$	6,857		$	—		$	7,104		$	78		$	—		$	6,925		$	125	$	—
Owner occupied - correspondent	—			—			—			—			—			—			—			—		—
Non Owner occupied - bank originated	1,767			1,591			—			1,474			15			—			1,401			25		—
Commercial real estate	15,825			14,848			—			17,236			150			—			18,475			290		—
Commercial real estate - purchased whole loans	—			—			—			—			—			—			—			—		—
Construction & land development	2,081			2,081			—			2,081			1			—			2,083			2		—
Commercial & industrial	4,201			4,153			—			4,181			61			—			4,206			121		—
Lease financing receivables	—			—			—			—			—			—			—			—		—
Warehouse lines of credit	—			—			—			—			—			—			—			—		—
Home equity	2,008			1,867			—			1,903			11			—			1,794			21		—
Consumer:
RPG loans	—			—			—			—			—			—			—			—		—
Credit cards	—			—			—			—			—			—			—			—		—
Overdrafts	—			—			—			—			—			—			—			—		—
Other consumer	—			—			—			—			—			—			6			—		—
Impaired loans with an allowance recorded:
Residential real estate:
Owner occupied - retail	35,583			35,243			3,502			35,048			253			—			34,731			493		—
Owner occupied - correspondent	—			—			—			—			—			—			—			—		—
Non Owner occupied - bank originated	5,192			5,192			214			5,791			122			—			6,123			175		—
Commercial real estate	18,877			18,839			1,356			19,078			207			—			21,744			374		—
Commercial real estate - purchased whole loans	—			—			—			—			—			—			—			—		—
Construction & land development	503			503			256			508			6			—			563			11		—
Commercial & industrial	1,383			1,383			317			1,540			58			—			1,651			60		—
Lease financing receivables	—			—			—			—			—			—			—			—		—
Warehouse lines of credit	—			—			—			—			—			—			—			—		—
Home equity	382			379			180			586			—			—			620			—		—
Consumer:
RPG loans	—			—			—			—			—			—			—			—		—
Credit cards	—			—			—			—			—			—			—			—		—
Overdrafts	—			—			—			—			—			—			—			—		—
Other consumer	66			66			41			79			—			—			79			1		—
Total impaired loans	$	95,144		$	93,002		$	5,866		$	96,609		$	962		$	—		$	100,401		$	1,698	$	—
	As of									Three Months Ended									Six Months Ended
	December 31, 2013									June 30, 2013									June 30, 2013
																Cash Basis								Cash Basis
	Unpaid									Average			Interest			Interest			Average			Interest		Interest
	Principal			Recorded			Allowance			Recorded			Income			Income			Recorded			Income		Income
(in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized			Investment			Recognized		Recognized
Impaired loans with no related allowance recorded:
Residential real estate:
Owner occupied - bank originated	$	7,136		$	6,569		$	—		$	11,625		$	109		$	—		$	12,119		$	205	$	—
Owner occupied - correspondent	—			—			—			—			—			—			—			—		—
Non Owner occupied - bank originated	1,498			1,256			—			1,778			5			—			1,450			7		—
Commercial real estate	21,886			20,953			—			22,676			561			—			19,881			827		—
Commercial real estate - purchased whole loans	—			—			—			—			—			—			—			—		—
Construction & land development	2,087			2,087			—			2,292			67			—			2,223			90		—
Commercial & industrial	4,367			4,258			—			3,295			62			—			3,568			94		—
Lease financing receivables	—			—			—			—			—			—			—			—		—
Warehouse lines of credit	—			—			—			—			—			—			—			—		—
Home equity	1,695			1,577			—			2,313			35			—			2,057			51		—
Consumer:
RPG loans	—			—			—			—			—			—			—			—		—
Credit cards	—			—			—			—			—			—			—			—		—
Overdrafts	—			—			—			—			—			—			—			—		—
Other consumer	18			18			—			248			2			—			294			2		—
Impaired loans with an allowance recorded:
Residential real estate:
Owner occupied - bank originated	34,393			34,097			3,657			33,254			261			—			32,656			481		—
Owner occupied - correspondent	—			—			—			—			—			—			—			—		—
Non Owner occupied - bank originated	6,789			6,789			351			3,968			47			—			3,854			77		—
Commercial real estate	27,080			27,078			1,835			24,655			497			—			25,204			768		—
Commercial real estate - purchased whole loans	—			—			—			—			—			—			—			—		—
Construction & land development	674			674			156			2,759			49			—			2,900			73		—
Commercial & industrial	1,872			1,872			428			2,931			81			—			2,906			124		—
Lease financing receivables	—			—			—			—			—			—			—			—		—
Warehouse lines of credit	—			—			—			—			—			—			—			—		—
Home equity	688			687			203			1,141			7			—			1,385			11		—
Consumer:
RPG loans	—			—			—			—			—			—			—			—		—
Credit cards	—			—			—			—			—			—			—			—		—
Overdrafts	—			—			—			—			—			—			—			—		—
Other consumer	79			79			44			78			1			—			80			1		—
Total impaired loans	$	110,262		$	107,994		$	6,674		$	113,013		$	1,784		$	—		$	110,577		$	2,811	$	—
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,” including PCI loans subsequently restructured. The majority of the Bank’s commercial related and construction TDRs involve a restructuring of financing 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 debt. 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, which include: 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 typically 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 both June 30, 2014 and December 31, 2013, $13 million of TDRs were on non-accrual status.
Detail of TDRs differentiated by loan class and accrual status follows:
	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
June 30, 2014 (in thousands)	Non-Accrual Status			Accrual Status			Restructurings
Residential real estate	$	6,205		$	33,872		$	40,077
Commercial real estate	4,807			17,865			22,672
Construction & land development	1,990			700			2,690
Commercial & industrial	131			4,022			4,153
Total troubled debt restructurings	$	13,133		$	56,459		$	69,592
	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 TDRs outstanding by modification and performance under modified terms at June 30, 2014 and December 31, 2013 follows:
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
June 30, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Interest only payments	$	697		$	165		$	862
Rate reduction	28,287			4,299			32,586
Principal deferral	1,327			412			1,739
Bankrupt customer	995			1,336			2,331
Deceased customer	2,166			393			2,559
Total residential TDRs	33,472			6,605			40,077
Commercial related and construction/land development loans:
Interest only payments	3,750			1,146			4,896
Rate reduction	12,216			1,582			13,798
Principal deferral	6,179			4,427			10,606
Bankrupt customer	—			215			215
Total commercial TDRs	22,145			7,370			29,515
Total troubled debt restructurings	$	55,617		$	13,975		$	69,592
	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 June 30, 2014 and December 31, 2013, 80% 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 debt terms have been modified in TDRs as of June 30, 2014 and December 31, 2013. Specific reserve allocations are generally assessed for commercial loans prior to loans being modified as a TDR, as most migrate from the Bank’s internal “watch list” and have been specifically provided for or reserved for as part of the Bank’s normal loss provisioning methodology. The Bank has not committed to finance any additional material amounts to its existing TDR relationships at June 30, 2014.
A summary of the categories of TDR loan modifications that occurred during the three months ended June 30, 2014 and 2013 follows:
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
Three Months Ended	Performing to			Not Performing to			Troubled Debt
June 30, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Rate reduction	$	194		$	351		$	545
Principal deferral	360			30			390
Bankrupt customer	26			—			26
Deceased customer	134			95			229
Total residential TDRs	714			476			1,190
Commercial related and construction/land development loans:
Interest only payments	—			443			443
Total commercial TDRs	—			443			443
Total troubled debt restructurings	$	714		$	919		$	1,633
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
Three Months Ended	Performing to			Not Performing to			Troubled Debt
June 30, 2013 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Rate reduction	$	741		$	118		$	859
Principal deferral	165			27			192
Bankrupt customer	148			1,006			1,154
Total residential TDRs	1,054			1,151			2,205
Commercial related and construction/land development loans:
Interest only payments	94			—			94
Principal deferral	409			—			409
Total commercial TDRs	503			—			503
Total troubled debt restructurings	$	1,557		$	1,151		$	2,708
As of June 30, 2014 and 2013, 44% and 57% of the Bank’s TDRs that occurred during the second quarters of 2014 and 2013 were performing according to their modified terms. The Bank provided $54,000 and $506,000 in specific reserve allocations to customers whose loan terms were modified in TDRs during the second quarters of 2014 and 2013. As stated above, specific reserves for commercial loans 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.
A summary of the categories of TDR loan modifications that occurred during the six months ended June 30, 2014 and 2013 follows:
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
Six Months Ended	Performing to			Not Performing to			Troubled Debt
June 30, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Rate reduction	$	1,042		$	1,470		$	2,512
Principal deferral	360			30			390
Bankrupt customer	26			284			310
Deceased customer	2,166			393			2,559
Total residential TDRs	3,594			2,177			5,771
Commercial related and construction/land development loans:
Interest only payments	—			443			443
Rate reduction	—			1,103			1,103
Principal deferral	—			1,990			1,990
Total commercial TDRs	—			3,536			3,536
Total troubled debt restructurings	$	3,594		$	5,713		$	9,307
	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
Six Months Ended	Performing to			Not Performing to			Troubled Debt
June 30, 2013 (in thousands)	Modified Terms			Modified Terms			Restructurings
Residential real estate loans (including home equity loans):
Interest only payments	$	64		$	—		$	64
Rate reduction	1,758			641			2,399
Principal deferral	460			293			753
Bankrupt customer	2,885			1,243			4,128
Total residential TDRs	5,167			2,177			7,344
Commercial related and construction/land development loans:
Interest only payments	141			—			141
Principal deferral	8,339			—			8,339
Total commercial TDRs	8,480			—			8,480
Total troubled debt restructurings	$	13,647		$	2,177		$	15,824
As of June 30, 2014 and 2013, 39% and 86% of the Bank’s TDRs that occurred during the first six months of 2014 and 2013 were performing according to their modified terms. The Bank provided $142,000 and $869,000 in specific reserve allocations to customers whose loan terms were modified in TDRs during the first six months 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 June 30, 2014 and December 31, 2013.
The following tables present loans by class modified as troubled debt restructurings within the previous twelve months of June 30, 2014 and 2013 and for which there was a payment default during the three months ended June 30, 2014 and 2013:
Three Months Ended	Number of		Recorded
June 30, 2014 (dollars in thousands)	Loans		Investment
Residential real estate:
Owner occupied - bank originated	3		$	149
Owner occupied - correspondent	—		—
Non owner occupied - bank originated	—		—
Commercial real estate	1		443
Commercial real estate - purchased whole loans	—		—
Construction & land development	—		—
Commercial & industrial	—		—
Lease financing receivables	—		—
Warehouse lines of credit	—		—
Home equity	—		—
Consumer:
RPG loans	—		—
Credit cards	—		—
Overdrafts	—		—
Other consumer	—		—
Total	4		$	592
Three Months Ended	Number of		Recorded
June 30, 2013 (dollars in thousands)	Loans		Investment
Residential real estate:
Owner occupied - bank originated	20		$	2,712
Owner occupied - correspondent	—		—
Non owner occupied - bank originated	—		—
Commercial real estate	1		302
Commercial real estate - purchased whole loans	—		—
Construction & land development	—		—
Commercial & industrial	—		—
Lease financing receivables	—		—
Warehouse lines of credit	—		—
Home equity	2		358
Consumer:
RPG loans	—		—
Credit cards	—		—
Overdrafts	—		—
Other consumer	2		328
Total	25		$	3,700
The following tables present loans by class modified as troubled debt restructurings within the previous twelve months of June 30, 2014 and 2013 and for which there was a payment default during the six months ended June 30, 2014 and 2013:
Six Months Ended	Number of		Recorded
June 30, 2014 (dollars in thousands)	Loans		Investment
Residential real estate:
Owner occupied - bank originated	6		$	1,219
Owner occupied - correspondent	—		—
Non owner occupied - bank originated	—		—
Commercial real estate	2		1,546
Commercial real estate - purchased whole loans	—		—
Construction & land development	1		1,500
Commercial & industrial	—		—
Lease financing receivables	—		—
Warehouse lines of credit	—		—
Home equity	—		—
Consumer:
RPG loans	—		—
Credit cards	—		—
Overdrafts	—		—
Other consumer	—		—
Total	9		$	4,265
Six Months Ended	Number of		Recorded
June 30, 2013 (dollars in thousands)	Loans		Investment
Residential real estate:
Owner occupied - bank originated	30		$	3,367
Owner occupied - correspondent	—		—
Non owner occupied - bank originated	—		—
Commercial real estate	1		302
Commercial real estate - purchased whole loans	—		—
Construction & land development	—		—
Commercial & industrial	—		—
Lease financing receivables	—		—
Warehouse lines of credit	—		—
Home equity	3		365
Consumer:
RPG loans	—		—
Credit cards	—		—
Overdrafts	—		—
Other consumer	2		328
Total	36		$	4,362

DEPOSITS

DEPOSITS	6 Months Ended
	Jun. 30, 2014
DEPOSITS	'
DEPOSITS	'
	4.                                      DEPOSITS
	Ending deposit balances at June 30, 2014 and December 31, 2013 were as follows:
	(in thousands)	June 30, 2014		December 31, 2013
	Demand	$	653,814	$	651,134
	Money market accounts	469,544		479,569
	Brokered money market accounts	37,016		35,533
	Savings	86,508		78,020
	Individual retirement accounts*	27,404		28,767
	Time deposits, $100,000 and over*	73,616		67,255
	Other certificates of deposit*	68,597		75,516
	Brokered certificates of deposit*(1)	68,833		86,421
	Total interest-bearing deposits	1,485,332		1,502,215
	Total non interest-bearing deposits	519,651		488,642
	Total deposits	$	2,004,983	$	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	6 Months Ended
	Jun. 30, 2014
FEDERAL HOME LOAN BANK ("FHLB") ADVANCES	'
FEDERAL HOME LOAN BANK ("FHLB") ADVANCES	'
	5.                                      FEDERAL HOME LOAN BANK (“FHLB”) ADVANCES
	At June 30, 2014 and December 31, 2013, FHLB advances were as follows:
	(in thousands)	June 30, 2014		December 31, 2013
	Overnight advance with an interest rate of 0.11% due on July 1, 2014	$	93,000	$	—
	Variable interest rate advance indexed to 3-Month LIBOR plus 0.14% due on December 19, 2014	10,000		10,000
	Fixed interest rate advances with a weighted average interest rate of 1.89% due through 2023	437,000		495,000
	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	$	640,000	$	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 June 30, 2014 and December 31, 2013, Republic had available collateral to borrow an additional $277 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 June 30, 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	198,000		1.38	%
	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	$	640,000	2	%
	The following table illustrates real estate loans pledged to collateralize advances and letters of credit with the FHLB:
	(in thousands)	June 30, 2014		December 31, 2013
	First lien, single family residential real estate	$	1,121,784	$	1,082,624
	Home equity lines of credit	101,438		105,957
	Multi-family commercial real estate	14,379		13,124

FAIR_VALUE

FAIR VALUE	6 Months Ended
	Jun. 30, 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).
	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 quarterly 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 as of June 30, 2014 and December 31, 2013, including financial assets and liabilities for which the Bank has elected the fair value option, are summarized below:
		Fair Value Measurements at
		June 30, 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	$	—		$	145,444		$	—		$	145,444
	Private label mortgage backed security	—			—			5,461			5,461
	Mortgage backed securities - residential	—			136,418			—			136,418
	Collateralized mortgage obligations	—			159,533			—			159,533
	Freddie Mac preferred stock	—			718			—			718
	Mutual fund	1,011			—			—			1,011
	Corporate bonds	—			15,061			—			15,061
	Total securities available for sale	$	1,011		$	457,174		$	5,461		$	463,646
	Mortgage loans held for sale	$	—		$	6,809		$	—		$	6,809
	Rate lock commitments	—			256			—			256
	Financial liabilities:
	Mandatory forward contracts	—			42			—			42
	Interest rate swap agreements	—			335			—			335
		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 and six months ended June 30, 2014 and 2013.
	Private Label Mortgage Backed Security
	The table below presents a reconciliation of the Bank’s private label mortgage backed security. This represents the sole asset that was measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the periods ended June 30, 2014 and 2013:
	Three Months Ended						Six Months Ended
	June 30,						June 30,
(in thousands)	2014			2013			2014			2013
Balance, beginning of period	$	5,270		$	5,688		$	5,485		$	5,687
Total gains or losses included in earnings:
Net change in unrealized gain	315			238			369			422
Recovery of actual losses previously recorded	34			—			66			—
Principal paydowns	(158		)	(285		)	(459		)	(468		)
Balance, end of period	$	5,461		$	5,641		$	5,461		$	5,641
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 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.
The following table presents quantitative information about recurring Level 3 fair value measurements at June 30, 2014 and December 31, 2013:
	Fair			Valuation
June 30, 2014 (dollars in thousands)	Value			Technique		Unobservable Inputs		Range
Private label mortgage backed security	$	5,461		Discounted cash flow		(1) Constant prepayment rate		2.0% - 6.5%
						(2) Probability of default		3.0% - 7.0%
						(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%
Assets measured at fair value on a non-recurring basis as of June 30, 2014 and December 31, 2013 are summarized below:
	Fair Value Measurements at
	June 30, 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 - bank originated	$	—		$	—		$	1,597		$	1,597
Non owner occupied - bank originated	—			—			113			113
Commercial real estate	—			—			5,039			5,039
Home equity	—			—			1,165			1,165
Total impaired loans*	$	—		$	—		$	7,914		$	7,914
Other real estate owned:
Residential real estate	$	—		$	—		$	918		$	918
Commercial real estate	—			—			1,515			1,515
Construction & land development	—			—			4,239			4,239
Total other real estate owned	$	—		$	—		$	6,672		$	6,672
Mortgage servicing rights**	$	—		$	1		$	—		$	1
	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 - bank originated	$	—		$	—		$	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 debt.
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 June 30, 2014 and December 31, 2013:
								Range
	Fair			Valuation		Unobservable		(Weighted
June 30, 2014 (dollars in thousands)	Value			Technique		Inputs		Average)
Impaired loans - residential real estate owner occupied - bank originated	$	1,597		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 33% (7%)
Impaired loans - residential real estate non owner occupied - bank originated	$	113		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 10% (1%)
Impaired loans - commercial real estate	$	4,796		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 13% (7%)
	$	243		Income approach		Adjustments for differences between net operating income expectations		3% (3%)
Impaired loans - home equity	$	1,165		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 35% (7%)
Other real estate owned - residential real estate	$	918		Sales comparison approach		Adjustments determined for differences between comparable sales		13% (13%)
Other real estate owned - commercial real estate	$	1,515		Sales comparison approach		Adjustments determined for differences between comparable sales		28% (28%)
Other real estate owned - construction & land development	$	1,332		Sales comparison approach		Adjustments determined for differences between comparable sales		15% - 19% (16%)
	$	2,907		Income approach		Adjustments for differences between net operating income expectations		24% (24%)
								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 for differences between comparable sales		2% - 22% (7%)
Impaired loans - commercial real estate	$	5,488		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 30% (19%)
Impaired loans - home equity	$	1,030		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 10% (2%)
Other real estate owned - residential real estate	$	1,716		Sales comparison approach		Adjustments determined for differences between comparable sales		10% - 53% (30%)
Other real estate owned - commercialreal estate	$	507		Sales comparison approach		Adjustments determined for		23% - 33% (29%)
						differences between
						comparable sales
Other real estate owned - construction & land development	$	2,236		Sales comparison approach		Adjustments determined for differences between 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)	June 30, 2014			December 31, 2013
Carrying amount of loans measured at fair value	$	7,073		$	7,629
Estimated selling costs considered in carrying amount	841			909
Total fair value	$	7,914		$	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 June 30, 2014 and December 31, 2013.
Details of other real estate owned carrying value and write downs follows:
(in thousands)	June 30, 2014			December 31, 2013
Carrying value of other real estate owned	$	11,613		$	17,102
	Three Months Ended						Six Months Ended
	June 30,						June 30,
(in thousands)	2014			2013			2014			2013
Other real estate owned write-downs	$	333		$	518		$	1,217		$	884
Mortgage Servicing Rights
MSRs are carried at lower of cost or fair value. No MSRs were carried at fair value at June 30, 2014 and December 31, 2013.
Adjustments to mortgage banking income recorded due to the valuation of MSRs for the three and six months ended June 30, 2014 and 2013 follow:
	Three Months Ended						Six Months Ended
	June 30,						June 30,
(in thousands)	2014			2013			2014			2013
Credit to mortgage banking income due to impairment evaluation	$	—		$	(160	)	$	—		$	(312	)
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 June 30, 2014 and December 31, 2013.
As of June 30, 2014 and December 31, 2013, the aggregate fair value, contractual balance (including accrued interest), and gain or loss was as follows:
(in thousands)	June 30, 2014			December 31, 2013
Aggregate fair value	$	6,809		$	3,506
Contractual balance	6,596			3,417
Gain	213			89
The total amount of gains and losses from changes in fair value included in earnings for the three and six months ended June 30, 2014 and 2013 for mortgage loans held for sale are presented in the following table:
	Three Months Ended						Six Months Ended
	June 30,						June 30,
(in thousands)	2014			2013			2014			2013
Interest income	$	49		$	145		$	95		$	258
Change in fair value	159			(247		)	124			(113		)
Total included in earnings	$	208		$	(102	)	$	219		$	145
The carrying amounts and estimated fair values of all financial instruments, at June 30, 2014 and December 31, 2013 follows:
				Fair Value Measurements at
				June 30, 2014:
													Total
	Carrying												Fair
(in thousands)	Value			Level 1			Level 2			Level 3			Value
Assets:
Cash and cash equivalents	$	84,273		$	84,273		$	—		$	—		$	84,273
Securities available for sale	463,646			1,011			457,174			5,461			463,646
Securities to be held to maturity	48,338			—			48,594			—			48,594
Mortgage loans held for sale, at fair value	6,809			—			6,809			—			6,809
Loans, net	2,702,245			—			—			2,742,302			2,742,302
Federal Home Loan Bank stock	28,208			—			—			—			N/A
Mortgage servicing rights	5,009			—			6,985			—			6,985
Accrued interest receivable	8,083			—			8,083			—			8,083
Liabilities:
Non interest-bearing deposits	519,651			—			519,651			—			519,651
Transaction deposits	1,246,882			—			1,246,882			—			1,246,882
Time deposits	238,450			—			239,407			—			239,407
Securities sold under agreements to repurchase and other short-term borrowings	197,439			—			197,439			—			197,439
Federal Home Loan Bank advances	640,000			—			655,116			—			655,116
Subordinated note	41,240			—			38,062			—			38,062
Accrued interest payable	1,261			—			1,261			—			1,261
				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.
In addition to those previously disclosed, the following 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	6 Months Ended
	Jun. 30, 2014
MORTGAGE BANKING ACTIVITIES	'
MORTGAGE BANKING ACTIVITIES	'
	7.                                      MORTGAGE BANKING ACTIVITIES
	Activity for mortgage loans held for sale was as follows:
	June 30, (in thousands)	2014			2013
	Balance, January 1	$	3,506		$	10,614
	Origination of mortgage loans held for sale	33,284			208,094
	Proceeds from the sale of mortgage loans held for sale	(31,147		)	(199,942		)
	Net gain on sale of mortgage loans held for sale	1,166			5,408
	Balance, June 30	$	6,809		$	24,174
	The following table presents the components of Mortgage Banking income:
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Net gain realized on sale of mortgage loans held for sale	$	460		$	3,439		$	918		$	5,677
	Net change in fair value recognized on loans held for sale	159			(247		)	124			(113		)
	Net change in fair value recognized on rate lock commitments	99			(1,521		)	179			(388		)
	Net change in fair value recognized on forward contracts	(50		)	453			(55		)	232
	Net gain recognized	668			2,124			1,166			5,408
	Loan servicing income	492			546			794			1,092
	Amortization of mortgage servicing rights	(348		)	(650		)	(662		)	(1,358		)
	Change in mortgage servicing rights valuation allowance	—			160			—			312
	Net servicing income recognized	144			56			132			46
	Total Mortgage Banking income	$	812		$	2,180		$	1,298		$	5,454
	Activity for capitalized mortgage servicing rights was as follows:
	June 30, (in thousands)	2014			2013
	Balance, January 1	$	5,409		$	4,777
	Additions	262			1,574
	Amortized to expense	(662		)	(1,358		)
	Change in valuation allowance	—			312
	Balance, June 30	$	5,009		$	5,305
	Activity for the valuation allowance for capitalized mortgage servicing rights was as follows:
	June 30, (in thousands)	2014			2013
	Balance, January 1	$	—		$	(345	)
	Additions	—			—
	Reductions credited to operations	—			312
	Balance, June 30	$	—		$	(33	)
	Other information relating to mortgage servicing rights follows:
	(dollars in thousands)	June 30, 2014			December 31, 2013
	Fair value of mortgage servicing rights portfolio	$	6,985		$	7,337
	Prepayment speed range	100% - 462%			105% - 550%
	Discount rate	10%			10%
	Weighted average default rate	1.50%			1.50%
	Weighted average life in years	5.99			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:
		June 30, 2014						December 31, 2013
		Notional						Notional
	(in thousands)	Amount			Fair Value			Amount			Fair Value
	Included in Mortgage loans held for sale:
	Mortgage loans held for sale	$	6,596		$	6,809		$	3,417		$	3,506
	Included in other assets:
	Rate lock loan commitments	$	8,051		$	256		$	4,393		$	77
	Mandatory forward contracts	—			—			5,571			12
	Total included in other assets	$	8,051		$	256		$	9,964		$	89
	Included in other liabilities:
	Mandatory forward contracts	$	11,288		$	42		$	—		$	—

INTEREST_RATE_SWAPS

INTEREST RATE SWAPS	6 Months Ended
	Jun. 30, 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 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 June 30, 2014 and December 31, 2013 follows:
	(dollars in thousands)	June 30, 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 remaining maturity in years	6			7
	Unrealized gain (loss)	$	(335	)	$	170
	Fair value of security pledged as collateral	$	342		$	—
	The following table reflects the total interest expense recorded on these swap transactions in the consolidated statements of income during the three and six months ended June 30, 2014 and 2013:
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014		2013
	Interest expense on deposits related to money market swap transaction	$	51		$	—		$	100	$	—
	Interest expense on FHLB advances related to FHLB swap transaction	48			—			99		—
	Total interest expense on swap transactions	$	99		$	—		$	199	$	—
	The following tables present the net losses recorded in accumulated OCI and the consolidated statements of income relating to the swaps for the three and six months ended June 30, 2014 and 2013:
	Three Months Ended	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
	June 30, 2014 (in thousands)	(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	$	(173	)	$	—		$	—
	Three Months Ended	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
	June 30, 2013 (in thousands)	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	$	—		$	—		$	—
	Six Months Ended	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
	June 30, 2014 (in thousands)	(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	$	(329	)	$	—		$	—
	Six Months Ended	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
	June 30, 2013 (in thousands)	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 June 30, 2014 and December 31, 2013:
		June 30, 2014						December 31, 2013
		Notional						Notional
	(in thousands)	Amount			Fair Value			Amount		Fair Value
	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		$	335		$	—	$	—

OFF_BALANCE_SHEET_RISKS_COMMIT

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES	6 Months Ended
	Jun. 30, 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 a borrower of financing for a specified period of time at a specified rate.  Additionally, the Bank makes binding purchase commitments to third party loan correspondent originators.  These commitments assure that the Bank will purchase a loan from such correspondent originators at a specific price for a specific period of time.  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 and a liquidity risk, since the Bank’s customer(s) may demand immediate cash that would require funding.  In addition, unfunded loan commitments represent interest rate risk as market interest rates may rise above the rate committed to the Bank’s customer.  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.
	The table below presents the Bank’s commitments, exclusive of Mortgage Banking loan commitments for each year ended:
	(in thousands)	June 30, 2014		December 31, 2013
	Unused warehouse lines of credit	$	150,368	$	208,424
	Unused home equity lines of credit	233,511		230,361
	Unused loan commitments - other	235,465		178,776
	Commitments to purchase loans	50,578		—
	Standby letters of credit	12,757		2,308
	FHLB letters of credit	3,750		3,200
	Total commitments	$	686,429	$	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 June 30, 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.

EARNINGS_PER_SHARE

EARNINGS PER SHARE	6 Months Ended
	Jun. 30, 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					Six Months Ended
		June 30,					June 30,
	(in thousands, except per share data)	2014			2013		2014		2013
	Net income	$	6,322		$	6,119	$	18,306	$	19,475
	Weighted average shares outstanding	20,793			20,782		20,795		20,823
	Effect of dilutive securities	95			76		96		72
	Average shares outstanding including dilutive securities	20,888			20,858		20,891		20,895
	Basic earnings per share:
	Class A Common Share	$	0.31		$	0.3	$	0.88	$	0.94
	Class B Common Share	$	0.29		$	0.28	$	0.85	$	0.91
	Diluted earnings per share:
	Class A Common Share	$	0.3		$	0.3	$	0.88	$	0.94
	Class B Common Share	$	0.29		$	0.28	$	0.85	$	0.9
	Stock options excluded from the detailed earnings per share calculation because their impact was antidilutive are as follows:
		Three Months Ended				Six Months Ended
		June 30,				June 30,
		2014		2013		2014	2013
	Antidilutive stock options	15,500		122,450		15,500	128,450
	Average antidilutive stock options	15,500		119,118		15,500	123,782

SEGMENT_INFORMATION

SEGMENT INFORMATION	6 Months Ended
	Jun. 30, 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 business units), which are then aggregated if operating performance, products/services, and customers are similar.
	As of June 30, 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.
	All divisions of the RPG segment operate through the Bank. The TRS division facilitates the receipt and payment of federal and state tax refund products. The RPS division is an issuing bank offering general purpose reloadable prepaid debit cards through third party program managers. 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 June 30, 2014 and 2013 follows:
		Three Months Ended June 30, 2014
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	27,441		$	49		$	60		$	27,550
	Provision for loan losses	710			—			(17		)	693
	Net refund transfer fees	—			—			1,836			1,836
	Mortgage banking income	—			812			—			812
	Other non-interest income	6,361			71			432			6,864
	Total non-interest income	6,361			883			2,268			9,512
	Total non-interest expenses	23,929			1,013			1,773			26,715
	Income (loss) before income tax expense	9,163			(81		)	572			9,654
	Income tax expense (benefit)	3,210			(29		)	151			3,332
	Net income (loss)	$	5,953		$	(52	)	$	421		$	6,322
	Segment end of period assets	$	3,434,716		$	12,231		$	18,377		$	3,465,324
	Net interest margin	3.35		%	NM			NM			3.35		%
		Three Months Ended June 30, 2013
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	28,606		$	145		$	16		$	28,767
	Provision for loan losses	1,045			—			(140		)	905
	Net refund transfer fees	—			—			1,683			1,683
	Mortgage banking income	—			2,180			—			2,180
	Other non-interest income	6,660			75			185			6,920
	Total non-interest income	6,660			2,255			1,868			10,783
	Total non-interest expenses	25,443			906			3,350			29,699
	Income (loss) before income tax expense	8,778			1,494			(1,326		)	8,946
	Income tax expense (benefit)	2,768			523			(464		)	2,827
	Net income (loss)	$	6,010		$	971		$	(862	)	$	6,119
	Segment end of period assets	$	3,277,181		$	29,891		$	9,993		$	3,317,065
	Net interest margin	3.57		%	NM			NM			3.56		%
	Segment assets are reported as of the respective period ends while income and margin data are reported for the respective periods.
	NM — Not Meaningful
	Segment information for the six months ended June 30, 2014 and 2013 follows:
		Six Months Ended June 30, 2014
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	54,554		$	95		$	205		$	54,854
	Provision for loan losses	470			—			(480		)	(10		)
	Net refund transfer fees	—			—			16,224			16,224
	Mortgage banking income	—			1,298			—			1,298
	Other non-interest income	12,180			145			1,125			13,450
	Total non-interest income	12,180			1,443			17,349			30,972
	Total non-interest expenses	48,536			2,223			6,900			57,659
	Income (loss) before income tax expense	17,728			(685		)	11,134			28,177
	Income tax expense (benefit)	5,994			(240		)	4,117			9,871
	Net income (loss)	$	11,734		$	(445	)	$	7,017		$	18,306
	Segment end of period assets	$	3,434,716		$	12,231		$	18,377		$	3,465,324
	Net interest margin	3.32		%	NM			NM			3.29		%
		Six Months Ended June 30, 2013
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	57,567		$	258		$	72		$	57,897
	Provision for loan losses	1,019			—			(739		)	280
	Net refund transfer fees	—			—			13,697			13,697
	Mortgage banking income	—			5,454			—			5,454
	Bargain purchase gain - FCB	1,324			—			—			1,324
Other non-interest income	12,057			83			693			12,833
Total non-interest income	13,381			5,537			14,390			33,308
Total non-interest expenses	50,625			1,769			8,607			61,001
Income before income tax expense	19,304			4,026			6,594			29,924
Income tax expense	6,732			1,409			2,308			10,449
Net income	$	12,572		$	2,617		$	4,286		$	19,475
Segment end of period assets	$	3,277,181		$	29,891		$	9,993		$	3,317,065
Net interest margin	3.58		%	NM			NM			3.56		%
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	6 Months Ended
	Jun. 30, 2014
OTHER COMPREHENSIVE INCOME	'
OTHER COMPREHENSIVE INCOME.	'
	12.                                                      OTHER COMPREHENSIVE INCOME
	OCI components and related tax effects were as follows:
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Available for Sale Securities:
	Unrealized gain (loss) on securities available for sale	$	2,626		$	(2,566	)	$	2,628		$	(2,965	)
	Change in unrealized gain on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	315			238			369			422
	Net unrealized gains (losses)	2,941			(2,328		)	2,997			(2,543		)
	Tax effect	(1,029		)	815			(1,049		)	891
	Net of tax	1,912			(1,513		)	1,948			(1,652		)
	Cash Flow Hedges:
	Change in fair value of derivatives used for cash flow hedges	(265		)	—			(505		)	—
	Reclassification adjustment for gains realized in income	—			—			—			—
	Net unrealized gains	(265		)	—			(505		)	—
	Tax effect	92			—			176			—
	Net of tax	(173		)	—			(329		)	—
	Total other comprehensive income, net of tax	$	1,739		$	(1,513	)	$	1,619		$	(1,652	)
	The following is a summary of the accumulated OCI balances, net of tax:
	(in thousands)	Balance at			Change for Six			Balance at June
		December 31, 2013			Months ending			30, 2014
					June 30, 2014
	Unrealized gain on securities available for sale	$	2,526		$	1,708		$	4,234
	Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	484			240			724
	Unrealized gain (loss) on cash flow hedge	111			(329		)	(218		)
		$	3,121		$	1,619		$	4,740
	(in thousands)	Balance at			Change for Six			Balance at June
		December 31, 2012			Months ending			30, 2013
					June 30, 2013
	Unrealized gain (loss) on securities available for sale	$	5,610		$	(1,926	)	$	3,684
	Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	2			274			276
		$	5,612		$	(1,652	)	$	3,960

BASIS_OF_PRESENTATION_AND_SUMM1

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 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 subsidiary, Republic Bank & Trust Company (“RB&T” or the “Bank”). The Bank is a Kentucky-based, state chartered non-member financial institution. 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 May 9, 2014, Republic Bank, the Company’s wholly-owned, federally chartered savings institution, merged into RB&T. The merged institution operates under the name Republic Bank & Trust Company. The merger did not materially impact the Company’s consolidated financial statements.
	Subsequent to June 30, 2014, the Company formed Republic Insurance Services, Inc. (the “Captive”). The Captive is a wholly-owned insurance subsidiary of the Company that will provide property and casualty insurance coverage to the Company and the Bank and reinsurance to five other third party insurance captives for which insurance may not be currently available or economically feasible in today’s insurance marketplace.
	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 and six months ended June 30, 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 June 30, 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 separate and independent 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.
Accounting Standards Updated	'
	Accounting Standards Update (“ASU”) 2014-08 — Presentation of Financial Statements and Property, Plant and Equipment (Topic 205 and Topic 360): Reporting Discontinued Operations and Disclosures of Disposals of Components of an Entity.
	The amendments in this ASU change the criteria for reporting discontinued operations for all public and nonpublic entities. A discontinued operation may include a component of an entity or a group of components of an entity, or a business or nonprofit activity. A disposal of a component of an entity or a group of components of an entity is required to be reported in discontinued operations if the disposal represents a strategic shift that has (or will have) a major effect on an entity’s operations and financial results. 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.
	ASU 2014-11 — Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings and Disclosures.
	The amendments in this ASU require that repurchase-to-maturity transactions be accounted for as secured borrowings consistent with the accounting for other repurchase agreements. In addition, the amendments require separate accounting for a transfer of a financial asset executed contemporaneously with a repurchase agreement with the same counterparty (a repurchase financing), which will result in secured borrowing accounting for the repurchase agreement. The amendments require an entity to disclose information about transfers accounted for as sales in transactions that are economically similar to repurchase agreements, in which the transferor retains substantially all of the exposure to the economic return on the transferred financial asset throughout the term of the transaction. In addition the amendments require disclosure of the types of collateral pledged in repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions and the tenor of those transactions. 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.
	ASU 2014-12 — Compensation — Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That Performance Targets Could Be Achieved after the Requisite Service Period.
	The amendments in this ASU are intended to resolve the diverse accounting treatment of share-based awards that require a specific performance target. 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.

INVESTMENT_SECURITIES_Tables

INVESTMENT SECURITIES (Tables)	6 Months Ended
	Jun. 30, 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
	June 30, 2014 (in thousands)	Cost		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	144,821	$	640		$	(17	)	$	145,444
	Private label mortgage backed security	4,347		1,114			—			5,461
	Mortgage backed securities - residential	131,702		4,803			(87		)	136,418
	Collateralized mortgage obligations	159,137		1,308			(912		)	159,533
	Freddie Mac preferred stock	—		718			—			718
	Mutual fund	1,000		11			—			1,011
	Corporate bonds	15,013		52			(4		)	15,061
	Total securities available for sale	$	456,020	$	8,646		$	(1,020	)	$	463,646
		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
	June 30, 2014 (in thousands)	Value		Gains			Losses			Value
	U.S. Treasury securities and U.S. Government agencies	$	2,275	$	5		$	(8	)	$	2,272
	Mortgage backed securities - residential	412		53			—			465
	Collateralized mortgage obligations	40,651		387			(52		)	40,986
	Corporate bonds	5,000		—			(129		)	4,871
	Total securities held to maturity	$	48,338	$	445		$	(189	)	$	48,594
				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
	June 30, 2014 (in thousands)	Cost		Value			Value			Value
	Due in one year or less	$	23,493	$	23,715		$	500		$	502
	Due from one year to five years	126,341		126,794			1,775			1,771
	Due from five years to ten years	10,000		9,996			5,000			4,870
	Due beyond ten years	—		—			—			—
	Private label mortgage backed security	4,347		5,461			—			—
	Mortgage backed securities - residential	131,702		136,418			412			465
	Collateralized mortgage obligations	159,137		159,533			40,651			40,986
	Freddie Mac preferred stock	—		718			—			—
	Mutual fund	1,000		1,011			—			—
	Total securities	$	456,020	$	463,646		$	48,338		$	48,594
Securities with Unrealized Losses, Aggregated by Investment Category with Continuous Unrealized Loss Position	'
		Less than 12 months					12 months or more						Total
	June 30, 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	$	2,106	$	(17	)	$	—		$	—		$	2,106	$	(17	)
	Mortgage backed securities - residential	8,312		(87		)	—			—			8,312		(87		)
	Collateralized mortgage obligations	56,578		(778		)	7,567			(134		)	64,145		(912		)
	Corporate bonds	9,996		(4		)	—			—			9,996		(4		)
	Total securities available for sale	$	76,992	$	(886	)	$	7,567		$	(134	)	$	84,559	$	(1,020	)
		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	$	(8	)	$	—		$	—		$	521	$	(8	)
	Collateralized mortgage obligations	18,274		(52		)	—			—			18,274		(52		)
	Corporate bonds	4,871		(129		)	—			—			4,871		(129		)
	Total securities held to maturity	$	23,666	$	(189	)	$	—		$	—		$	23,666	$	(189	)
		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)	June 30, 2014		December 31, 2013
	Carrying amount	$	249,532	$	224,693
	Fair value	249,659		224,989

LOANS_AND_ALLOWANCE_FOR_LOAN_L1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)	6 Months Ended
	Jun. 30, 2014
Loans and allowance for loan and losses	'
Schedule of composition of loans	'
	(in thousands)	June 30, 2014			December 31, 2013
	Residential real estate:
	Owner occupied - bank originated	$	1,127,519		$	1,097,795
	Owner occupied - correspondent*	11,785			—
	Non owner occupied - bank originated	98,644			110,809
	Commercial real estate	758,676			773,173
	Commercial real estate - purchased whole loans	34,534			34,186
	Construction & land development	41,109			44,351
	Commercial & industrial	146,334			127,763
	Lease financing receivables	310			—
	Warehouse lines of credit	244,131			149,576
	Home equity	235,919			226,782
	Consumer:
	RPG loans	3,022			1,827
	Credit cards	9,321			9,030
	Overdrafts	1,105			944
	Other consumer	12,608			13,556
	Total loans**	2,725,017			2,589,792
	Less: Allowance for loan losses	22,772			23,026
	Total loans, net	$	2,702,245		$	2,566,766
	* - Loans acquired through the Bank’s Correspondent Lending channel are generally outside of the Bank’s historical market footprint.
	** - Total loans are presented net of premiums, discounts and net loan origination fees and costs.
Schedule of reconciliation of contractually-required and carrying amounts of PCI loans	'
	(in thousands)	June 30, 2014			December 31, 2013
	Contractually-required principal	$	38,934		$	57,992
	Non-accretable amount	(9,292		)	(13,582		)
	Accretable amount	(2,487		)	(3,457		)
	Carrying value of loans	$	27,155		$	40,953
Schedule of rollforward of the accretable difference on PCI loans	'
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Balance, beginning of period	$	(2,765	)	$	(2,300	)	$	(3,457	)	$	(3,231	)
	Transfers between non-accretable and accretable	(1,029		)	(712		)	(2,340		)	(1,696		)
	Net accretion into interest income on loans, including loan fees	1,307			1,631			3,310			3,263
	Other changes	—			—			—			283
	Balance, end of period	$	(2,487	)	$	(1,381	)	$	(2,487	)	$	(1,381	)
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
	June 30, 2014				Special						Doubtful /			Loans -			Loans -			Rated
	(in thousands)	Pass			Mention *			Substandard *			Loss			Group 1			Substandard			Loans**
	Residential real estate:
	Owner occupied - bank originated	$	—		$	28,233		$	13,182		$	—		$	1,779		$	—		$	43,194
	Owner occupied - correspondent	—			—			—			—			—			—			—
	Non owner occupied - bank originated	—			1,678			2,048			—			4,600			—			8,326
	Commercial real estate	713,947			9,589			16,736			—			18,361			43			758,676
	Commercial real estate -
	Purchased whole loans	34,534			—			—			—			—			—			34,534
	Construction & land development	37,725			124			2,388			—			872			—			41,109
	Commercial & industrial	142,056			901			1,899			—			1,263			215			146,334
	Lease financing receivables	310			—			—			—			—			—			310
	Warehouse lines of credit	244,131			—			—			—			—			—			244,131
	Home equity	—			—			2,246			—			—			—			2,246
	Consumer:
	RPG loans	—			—			—			—			—			—			—
	Credit cards	—			—			—			—			—			—			—
	Overdrafts	—			—			—			—			—			—			—
	Other consumer	—			16			40			—			22			—			78
	Total	$	1,172,703		$	40,541		$	38,539		$	—		$	26,897		$	258		$	1,278,938
														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 - bank originated	$	—		$	27,431		$	10,994		$	—		$	2,810		$	—		$	41,235
	Owner occupied - correspondent	—			—			—			—			—			—			—
	Non owner occupied - bank originated	—			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
	Lease financing receivables	—			—			—			—			—			—			—
	Warehouse lines of credit	149,576			—			—			—			—			—			149,576
	Home equity	—			250			2,014			—			—			—			2,264
	Consumer:
	RPG loans	—			—			—			—			—			—			—
	Credit cards	—			—			—			—			—			—			—
	Overdrafts	—			—			—			—			—			—			—
	Other consumer	—			18			66			—			33			—			117
	Total	$	1,057,609		$	40,167		$	44,083		$	—		$	40,731		$	222		$	1,182,812
	* - Special Mention and Substandard loans include $1 million and $5 million at June 30, 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						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Allowance, beginning of period	$	22,367		$	23,563		$	23,026		$	23,729
	Charge offs - Traditional Banking	(715		)	(2,562		)	(1,627		)	(3,117		)
	Charge offs - RPG	—			—			—			—
	Total charge offs	(715		)	(2,562		)	(1,627		)	(3,117		)
	Recoveries - Traditional Banking	364			445			857			860
	Recoveries - RPG	63			140			526			739
	Total recoveries	427			585			1,383			1,599
	Net (charge offs) recoveries - Traditional Banking	(351		)	(2,117		)	(770		)	(2,257		)
	Net (charge offs) recoveries - RPG	63			140			526			739
	Net (charge offs) recoveries	(288		)	(1,977		)	(244		)	(1,518		)
	Provision for losses - Traditional Banking	710			1,045			470			1,019
	Provision for losses - RPG	(17		)	(140		)	(480		)	(739		)
	Total provision for losses	693			905			(10		)	280
	Allowance, end of period	$	22,772		$	22,491		$	22,772		$	22,491
Schedule of activity in the Allowance by portfolio class	'
														Commercial
		Residential Real Estate												Real Estate -									Lease
	Three Months Ended	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
	June 30, 2014 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
	Beginning balance	$	7,751		$	—		$	984		$	7,901		$	34		$	1,192		$	1,080		$	—
	Provision for losses	460			60			(141		)	(206		)	—			(185		)	70			3
	Charge offs	(202		)	—			(7		)	(2		)	—			(1		)	(20		)	—
	Recoveries	46			—			3			3			—			84			22			—
	Ending balance	$	8,055		$	60		$	839		$	7,696		$	34		$	1,090		$	1,152		$	3
	(continued)
		Warehouse						Consumer
		Lines of			Home			RPG			Credit						Other
		Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
	Beginning balance	$	477		$	2,371		$	—		$	276		$	212		$	89		$	22,367
	Provision for losses	133			235			(17		)	40			113			128			693
	Charge offs	—			(217		)	—			(37		)	(142		)	(87		)	(715		)
	Recoveries	—			14			63			7			97			88			427
	Ending balance	$	610		$	2,403		$	46		$	286		$	280		$	218		$	22,772
														Commercial
		Residential Real Estate												Real Estate -									Lease
	Three Months Ended	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Finance
	June 30, 2013 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
	Beginning balance	$	6,984		$	—		$	924		$	8,781		$	34		$	3,101		$	727		$	—
	Provision for losses	991			—			(173		)	572			—			(916		)	244			—
	Charge offs	(512		)	—			(115		)	(651		)	—			(600		)	(310		)	—
	Recoveries	100			—			6			61			—			2			49			—
	Ending balance	$	7,563		$	—		$	642		$	8,763		$	34		$	1,587		$	710		$	—
	(continued)
		Warehouse						Consumer
		Lines of			Home			RPG			Credit						Other
		Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
	Beginning balance	$	433		$	1,909		$	—		$	326		$	209		$	135		$	23,563
	Provision for losses	29			83			(140		)	63			71			81			905
	Charge offs	—			(93		)	—			(50		)	(130		)	(101		)	(2,562		)
	Recoveries	—			33			140			5			99			90			585
	Ending balance	$	462		$	1,932		$	—		$	344		$	249		$	205		$	22,491
	The following tables present the activity in the Allowance by portfolio class for the six months ended June 30, 2014 and 2013:
														Commercial
		Residential Real Estate												Real Estate -									Lease
	Six Months Ended	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
	June 30, 2014 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
	Beginning balance	$	7,816		$	—		$	1,023		$	8,309		$	34		$	1,296		$	1,089		$	—
	Provision for losses	578			60			(171		)	(384		)	—			(273		)	13			3
	Charge offs	(419		)	—			(22		)	(374		)	—			(18		)	(20		)	—
	Recoveries	80			—			9			145			—			85			70			—
	Ending balance	$	8,055		$	60		$	839		$	7,696		$	34		$	1,090		$	1,152		$	3
	(continued)
		Warehouse						Consumer
		Lines of			Home			RPG			Credit						Other
		Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
	Beginning balance	$	449		$	2,396		$	—		$	289		$	199		$	126		$	23,026
	Provision for losses	161			235			(480		)	22			160			66			(10		)
	Charge offs	—			(283		)	—			(42		)	(293		)	(156		)	(1,627		)
	Recoveries	—			55			526			17			214			182			1,383
	Ending balance	$	610		$	2,403		$	46		$	286		$	280		$	218		$	22,772
														Commercial
		Residential Real Estate												Real Estate -									Lease
	Six Months Ended	Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
	June 30, 2013 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
	Beginning balance	$	7,006		$	—		$	1,049		$	8,843		$	34		$	2,769		$	580		$	—
	Provision for losses	1,071			—			(263		)	506			—			(620		)	386			—
	Charge offs	(713		)	—			(158		)	(665		)	—			(600		)	(310		)	—
	Recoveries	199			—			14			79			—			38			54			—
Ending balance	$	7,563		$	—		$	642		$	8,763		$	34		$	1,587		$	710		$	—
(continued)
	Warehouse						Consumer
	Lines of			Home			RPG			Credit						Other
	Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
Beginning balance	$	541		$	2,348		$	—		$	210		$	198		$	151		$	23,729
Provision for losses	(79		)	(352		)	(739		)	184			127			59			280
Charge offs	—			(136		)	—			(60		)	(305		)	(170		)	(3,117		)
Recoveries	—			72			739			10			229			165			1,599
Ending balance	$	462		$	1,932		$	—		$	344		$	249		$	205		$	22,491
Schedule of non-performing loans and other assets and select credit quality ratios	'
	(dollars in thousands)	June 30, 2014			December 31, 2013
	Loans on non-accrual status(1)	$	19,606		$	19,104
	Loans past due 90-days-or-more and still on accrual(2)	734			1,974
	Total non-performing loans	20,340			21,078
	Other real estate owned	11,613			17,102
	Total non-performing assets	$	31,953		$	38,180
	Credit Quality Ratios
	Non-performing loans to total loans	0.75	%	0.81	%
	Non-performing assets to total loans (including OREO)	1.17	%	1.46	%
	Non-performing assets to total assets	0.92	%	1.13	%
	(1)     Loans on non-accrual status include impaired loans, which are discussed subsequently in Footnote 3 in this section of the filing.
	(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 90-days-or-more and still on accrual by class	'
								Past Due 90-Days-or-More
		Non-Accrual						and Still Accruing Interest*
	(in thousands)	June 30, 2014			December 31, 2013			June 30, 2014			December 31, 2013
	Residential real estate:
	Owner occupied - bank originated	$	9,702		$	8,538		$	173		$	673
	Owner occupied - correspondent	—			—			—			—
	Non owner occupied - bank originated	1,250			1,279			—			—
	Commercial real estate	5,008			7,643			561			—
	Commercial real estate - purchased whole loans	—			—			—			—
	Construction & land dev.	1,990			97			—			70
	Commercial & industrial	131			327			—			1,231
	Lease financing receivables	—			—			—			—
	Warehouse lines of credit	—			—			—			—
	Home equity	1,444			1,128			—			—
	Consumer:
	RPG loans	—			—			—			—
	Credit cards	—			—			—			—
	Overdrafts	—			—			—			—
	Other consumer	81			92			—			—
	Total	$	19,606		$	19,104		$	734		$	1,974
	* - For all periods presented, 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	'
		30 - 59			60 - 89			90 or More
	June 30, 2014	Days			Days			Days			Total			Total Not
	(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent			Delinquent			Total
	Residential real estate:
	Owner occupied - bank originated	$	1,462		$	1,768		$	3,114		6,344			$	1,121,175		$	1,127,519
	Owner occupied - correspondent	—			—			—			—			11,785			11,785
	Non owner occupied - bank originated	223			60			131			414			98,230			98,644
	Commercial real estate	638			117			1,385			2,140			756,536			758,676
	Commercial real estate - purchased whole loans	—			—			—			—			34,534			34,534
	Construction & land development	—			—			1,990			1,990			39,119			41,109
	Commercial & industrial	—			—			131			131			146,203			146,334
	Lease financing receivables	—			—			—			—			310			310
	Warehouse lines of credit	—			—			—			—			244,131			244,131
	Home equity	284			25			344			653			235,266			235,919
	Consumer:
	RPG loans	3			93			—			96			2,926			3,022
	Credit cards	59			12			4			75			9,246			9,321
	Overdrafts	124			2			—			126			979			1,105
	Other consumer	75			18			—			93			12,515			12,608
	Total	$	2,868		$	2,095		$	7,099		$	12,062		$	2,712,955		$	2,725,017
	Delinquency ratio**	0.11		%	0.08		%	0.26		%	0.44		%
		30 - 59			60 - 89			90 or More
	December 31, 2013	Days			Days			Days			Total			Total Not
	(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent			Delinquent			Total
	Residential real estate:
	Owner occupied - bank originated	$	1,956		$	733		$	3,668		$	6,357		$	1,091,438		$	1,097,795
	Owner occupied - correspondent	—			—			—			—			—			—
	Non owner occupied - bank originated	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
	Lease financing receivables	—			—			—			—			—			—
	Warehouse lines of credit	—			—			—			—			149,576			149,576
	Home equity	665			48			397			1,110			225,672			226,782
	Consumer:
	RPG loans	—			—			—			—			1,827			1,827
	Credit cards	87			6			5			98			8,932			9,030
	Overdrafts	159			—			—			159			785			944
	Other consumer	67			27			—			94			13,462			13,556
	Total	$	4,335		$	2,165		$	9,723		$	16,223		$	2,573,569		$	2,589,792
	Delinquency ratio**	0.17		%	0.08		%	0.38		%	0.63		%
	* - Except for PCI loans, all loans 90-days-or-more past due as of June 30, 2014 and December 31, 2013 were on non-accrual status.
	** - Delinquency ratio equals delinquent loans divided by total loans.
Schedule of Bank's impaired loans	'
	(in thousands)	June 30, 2014			December 31, 2013
	Loans with no allocated Allowance	$	31,397		$	36,721
	Loans with allocated Allowance	61,605			71,273
	Total impaired loans	$	93,002		$	107,994
	Amount of the Allowance allocated	$	5,866		$	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 -									Lease
		Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
	June 30, 2014 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
	Allowance:
	Ending Allowance balance:
	Individually evaluated for impairment, excluding PCI loans	$	3,459		$	—		$	87		$	853		$	—		$	256		$	—		$	—
	Collectively evaluated for impairment	4,553			60			625			6,340			34			834			835			3
	PCI loans with post acquisition impairment	43			—			127			503			—			—			317			—
	PCI loans without post acquisition impairment	—			—			—			—			—			—			—			—
	Total ending Allowance:	$	8,055		$	60		$	839		$	7,696		$	34		$	1,090		$	1,152		$	3
	Loans:
	Impaired loans individually evaluated, excluding PCI loans	$	41,191		$	—		$	3,038		$	25,072		$	—		$	2,584		$	4,153		$	—
	Loans collectively evaluated for impairment	1,084,549			11,785			91,006			715,200			34,534			37,653			140,703			310
	PCI loans with post acquisition impairment	909			—			3,745			8,615			—			—			1,383			—
	PCI loans without post acquisition impairment	870			—			855			9,789			—			872			95			—
		$	1,127,519		$	11,785		$	98,644		$	758,676		$	34,534		$	41,109		$	146,334		$	310
	(continued)
		Warehouse						Consumer
		Lines of			Home			RPG			Credit						Other
		Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
	Allowance:
	Ending Allowance balance:
	Individually evaluated for impairment, excluding PCI loans	$	—		$	180		$	—		$	—		$	—		$	40		$	4,875
	Collectively evaluated for impairment	610			2,223			46			286			280			177			16,906
	PCI loans with post acquisition impairment	—			—			—			—			—			1			991
	PCI loans without post acquisition impairment	—			—			—			—			—			—			—
	Total ending Allowance:	$	610		$	2,403		$	46		$	286		$	280		$	218		$	22,772
	Loans:
	Impaired loans individually evaluated, excluding PCI loans	$	—		$	2,246		$	—		$	—		$	—		$	55		$	78,339
	Loans collectively evaluated for impairment	244,131			233,673			3,022			9,321			1,105			12,531			2,619,523
	PCI loans with post acquisition impairment	—			—			—			—			—			11			14,663
	PCI loans without post acquisition impairment	—			—			—			—			—			11			12,492
	Total ending loan balance	$	244,131		$	235,919		$	3,022		$	9,321		$	1,105		$	12,608		$	2,725,017
											Commercial
		Residential Real Estate									Real Estate -												Lease
		Owner Occupied			Owner Occupied			Non Owner Occupied			Commercial			Purchased			Construction &			Commercial &			Financing
	December 31, 2013 (in thousands)	Bank Originated			Correspondent			Bank Originated			Real Estate			Whole Loans			Land Development			Industrial			Receivables
	Allowance:
	Ending Allowance balance:
	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			—
	PCI loans with post acquisition impairment	51			—			290			603			—			10			317			—
	PCI loans without post acquisition impairment	—			—			—			—			—			—			—			—
	Total ending Allowance:	$	7,816		$	—		$	1,023		$	8,309		$	34		$	1,296		$	1,089		$	—
	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			—
	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		$	—
	(continued)
		Warehouse						Consumer
		Lines of			Home			RPG			Credit						Other
		Credit			Equity			Loans			Cards			Overdrafts			Consumer			Total
	Allowance:
	Ending Allowance balance:
	Individually evaluated for impairment, excluding PCI loans	$	—		$	203		$	—		$	—		$	—		$	43		$	5,402
	Collectively evaluated for impairment	449			2,193			2			289			199			80			16,352
	PCI loans with post acquisition impairment	—			—			—			—			—			1			1,272
	PCI loans without post acquisition impairment	—			—			—			—			—			—			—
	Total ending Allowance:	$	449		$	2,396		$	2		$	289		$	199		$	124		$	23,026
	Loans:
Impaired loans individually evaluated, excluding PCI loans	$	—		$	2,264		$	—		$	—		$	—		$	85		$	84,155
Loans collectively evaluated for impairment	149,576			224,518			1,827			9,030			944			13,438			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	$	149,576		$	226,782		$	1,827		$	9,030		$	944		$	13,556		$	2,589,792
Schedule of loans individually evaluated for impairment by class	'
		As of									Three Months Ended									Six Months Ended
		June 30, 2014									June 30, 2014									June 30, 2014
																	Cash Basis								Cash Basis
		Unpaid									Average			Interest			Interest			Average			Interest		Interest
		Principal			Recorded			Allowance			Recorded			Income			Income			Recorded			Income		Income
	(in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized			Investment			Recognized		Recognized
	Impaired loans with no related allowance recorded:
	Residential real estate:
	Owner occupied - bank originated	$	7,276		$	6,857		$	—		$	7,104		$	78		$	—		$	6,925		$	125	$	—
	Owner occupied - correspondent	—			—			—			—			—			—			—			—		—
	Non Owner occupied - bank originated	1,767			1,591			—			1,474			15			—			1,401			25		—
	Commercial real estate	15,825			14,848			—			17,236			150			—			18,475			290		—
	Commercial real estate - purchased whole loans	—			—			—			—			—			—			—			—		—
	Construction & land development	2,081			2,081			—			2,081			1			—			2,083			2		—
	Commercial & industrial	4,201			4,153			—			4,181			61			—			4,206			121		—
	Lease financing receivables	—			—			—			—			—			—			—			—		—
	Warehouse lines of credit	—			—			—			—			—			—			—			—		—
	Home equity	2,008			1,867			—			1,903			11			—			1,794			21		—
	Consumer:
	RPG loans	—			—			—			—			—			—			—			—		—
	Credit cards	—			—			—			—			—			—			—			—		—
	Overdrafts	—			—			—			—			—			—			—			—		—
	Other consumer	—			—			—			—			—			—			6			—		—
	Impaired loans with an allowance recorded:
	Residential real estate:
	Owner occupied - retail	35,583			35,243			3,502			35,048			253			—			34,731			493		—
	Owner occupied - correspondent	—			—			—			—			—			—			—			—		—
	Non Owner occupied - bank originated	5,192			5,192			214			5,791			122			—			6,123			175		—
	Commercial real estate	18,877			18,839			1,356			19,078			207			—			21,744			374		—
	Commercial real estate - purchased whole loans	—			—			—			—			—			—			—			—		—
	Construction & land development	503			503			256			508			6			—			563			11		—
	Commercial & industrial	1,383			1,383			317			1,540			58			—			1,651			60		—
	Lease financing receivables	—			—			—			—			—			—			—			—		—
	Warehouse lines of credit	—			—			—			—			—			—			—			—		—
	Home equity	382			379			180			586			—			—			620			—		—
	Consumer:
	RPG loans	—			—			—			—			—			—			—			—		—
	Credit cards	—			—			—			—			—			—			—			—		—
	Overdrafts	—			—			—			—			—			—			—			—		—
	Other consumer	66			66			41			79			—			—			79			1		—
	Total impaired loans	$	95,144		$	93,002		$	5,866		$	96,609		$	962		$	—		$	100,401		$	1,698	$	—
		As of									Three Months Ended									Six Months Ended
		December 31, 2013									June 30, 2013									June 30, 2013
																	Cash Basis								Cash Basis
		Unpaid									Average			Interest			Interest			Average			Interest		Interest
		Principal			Recorded			Allowance			Recorded			Income			Income			Recorded			Income		Income
	(in thousands)	Balance			Investment			Allocated			Investment			Recognized			Recognized			Investment			Recognized		Recognized
	Impaired loans with no related allowance recorded:
	Residential real estate:
	Owner occupied - bank originated	$	7,136		$	6,569		$	—		$	11,625		$	109		$	—		$	12,119		$	205	$	—
	Owner occupied - correspondent	—			—			—			—			—			—			—			—		—
	Non Owner occupied - bank originated	1,498			1,256			—			1,778			5			—			1,450			7		—
	Commercial real estate	21,886			20,953			—			22,676			561			—			19,881			827		—
	Commercial real estate - purchased whole loans	—			—			—			—			—			—			—			—		—
	Construction & land development	2,087			2,087			—			2,292			67			—			2,223			90		—
	Commercial & industrial	4,367			4,258			—			3,295			62			—			3,568			94		—
	Lease financing receivables	—			—			—			—			—			—			—			—		—
	Warehouse lines of credit	—			—			—			—			—			—			—			—		—
	Home equity	1,695			1,577			—			2,313			35			—			2,057			51		—
	Consumer:
	RPG loans	—			—			—			—			—			—			—			—		—
	Credit cards	—			—			—			—			—			—			—			—		—
	Overdrafts	—			—			—			—			—			—			—			—		—
Other consumer	18			18			—			248			2			—			294			2		—
Impaired loans with an allowance recorded:
Residential real estate:
Owner occupied - bank originated	34,393			34,097			3,657			33,254			261			—			32,656			481		—
Owner occupied - correspondent	—			—			—			—			—			—			—			—		—
Non Owner occupied - bank originated	6,789			6,789			351			3,968			47			—			3,854			77		—
Commercial real estate	27,080			27,078			1,835			24,655			497			—			25,204			768		—
Commercial real estate - purchased whole loans	—			—			—			—			—			—			—			—		—
Construction & land development	674			674			156			2,759			49			—			2,900			73		—
Commercial & industrial	1,872			1,872			428			2,931			81			—			2,906			124		—
Lease financing receivables	—			—			—			—			—			—			—			—		—
Warehouse lines of credit	—			—			—			—			—			—			—			—		—
Home equity	688			687			203			1,141			7			—			1,385			11		—
Consumer:
RPG loans	—			—			—			—			—			—			—			—		—
Credit cards	—			—			—			—			—			—			—			—		—
Overdrafts	—			—			—			—			—			—			—			—		—
Other consumer	79			79			44			78			1			—			80			1		—
Total impaired loans	$	110,262		$	107,994		$	6,674		$	113,013		$	1,784		$	—		$	110,577		$	2,811	$	—
Schedule of TDRs differentiated by loan class and accrual status	'
		Troubled Debt			Troubled Debt			Total
		Restructurings on			Restructurings on			Troubled Debt
	June 30, 2014 (in thousands)	Non-Accrual Status			Accrual Status			Restructurings
	Residential real estate	$	6,205		$	33,872		$	40,077
	Commercial real estate	4,807			17,865			22,672
	Construction & land development	1,990			700			2,690
	Commercial & industrial	131			4,022			4,153
	Total troubled debt restructurings	$	13,133		$	56,459		$	69,592
		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
Summary of TDRs outstanding by modification and performance under modified terms	'
		Troubled Debt			Troubled Debt
		Restructurings			Restructurings			Total
		Performing to			Not Performing to			Troubled Debt
	June 30, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Interest only payments	$	697		$	165		$	862
	Rate reduction	28,287			4,299			32,586
	Principal deferral	1,327			412			1,739
	Bankrupt customer	995			1,336			2,331
	Deceased customer	2,166			393			2,559
	Total residential TDRs	33,472			6,605			40,077
	Commercial related and construction/land development loans:
	Interest only payments	3,750			1,146			4,896
	Rate reduction	12,216			1,582			13,798
	Principal deferral	6,179			4,427			10,606
	Bankrupt customer	—			215			215
	Total commercial TDRs	22,145			7,370			29,515
	Total troubled debt restructurings	$	55,617		$	13,975		$	69,592
		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
	June 30, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Rate reduction	$	194		$	351		$	545
	Principal deferral	360			30			390
	Bankrupt customer	26			—			26
	Deceased customer	134			95			229
	Total residential TDRs	714			476			1,190
	Commercial related and construction/land development loans:
	Interest only payments	—			443			443
	Total commercial TDRs	—			443			443
	Total troubled debt restructurings	$	714		$	919		$	1,633
		Troubled Debt			Troubled Debt
		Restructurings			Restructurings			Total
	Three Months Ended	Performing to			Not Performing to			Troubled Debt
	June 30, 2013 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Rate reduction	$	741		$	118		$	859
	Principal deferral	165			27			192
	Bankrupt customer	148			1,006			1,154
	Total residential TDRs	1,054			1,151			2,205
	Commercial related and construction/land development loans:
	Interest only payments	94			—			94
	Principal deferral	409			—			409
	Total commercial TDRs	503			—			503
	Total troubled debt restructurings	$	1,557		$	1,151		$	2,708
		Troubled Debt			Troubled Debt
		Restructurings			Restructurings			Total
	Six Months Ended	Performing to			Not Performing to			Troubled Debt
	June 30, 2014 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Rate reduction	$	1,042		$	1,470		$	2,512
	Principal deferral	360			30			390
	Bankrupt customer	26			284			310
	Deceased customer	2,166			393			2,559
	Total residential TDRs	3,594			2,177			5,771
	Commercial related and construction/land development loans:
	Interest only payments	—			443			443
	Rate reduction	—			1,103			1,103
	Principal deferral	—			1,990			1,990
	Total commercial TDRs	—			3,536			3,536
	Total troubled debt restructurings	$	3,594		$	5,713		$	9,307
		Troubled Debt			Troubled Debt
		Restructurings			Restructurings			Total
	Six Months Ended	Performing to			Not Performing to			Troubled Debt
	June 30, 2013 (in thousands)	Modified Terms			Modified Terms			Restructurings
	Residential real estate loans (including home equity loans):
	Interest only payments	$	64		$	—		$	64
	Rate reduction	1,758			641			2,399
	Principal deferral	460			293			753
	Bankrupt customer	2,885			1,243			4,128
	Total residential TDRs	5,167			2,177			7,344
	Commercial related and construction/land development loans:
	Interest only payments	141			—			141
	Principal deferral	8,339			—			8,339
	Total commercial TDRs	8,480			—			8,480
	Total troubled debt restructurings	$	13,647		$	2,177		$	15,824
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
	June 30, 2014 (dollars in thousands)	Loans		Investment
	Residential real estate:
	Owner occupied - bank originated	3		$	149
	Owner occupied - correspondent	—		—
	Non owner occupied - bank originated	—		—
	Commercial real estate	1		443
	Commercial real estate - purchased whole loans	—		—
	Construction & land development	—		—
	Commercial & industrial	—		—
	Lease financing receivables	—		—
	Warehouse lines of credit	—		—
	Home equity	—		—
	Consumer:
	RPG loans	—		—
	Credit cards	—		—
	Overdrafts	—		—
	Other consumer	—		—
	Total	4		$	592
	Three Months Ended	Number of		Recorded
	June 30, 2013 (dollars in thousands)	Loans		Investment
	Residential real estate:
	Owner occupied - bank originated	20		$	2,712
	Owner occupied - correspondent	—		—
	Non owner occupied - bank originated	—		—
	Commercial real estate	1		302
	Commercial real estate - purchased whole loans	—		—
	Construction & land development	—		—
	Commercial & industrial	—		—
	Lease financing receivables	—		—
	Warehouse lines of credit	—		—
	Home equity	2		358
	Consumer:
	RPG loans	—		—
	Credit cards	—		—
	Overdrafts	—		—
	Other consumer	2		328
	Total	25		$	3,700
	Six Months Ended	Number of		Recorded
	June 30, 2014 (dollars in thousands)	Loans		Investment
	Residential real estate:
	Owner occupied - bank originated	6		$	1,219
	Owner occupied - correspondent	—		—
	Non owner occupied - bank originated	—		—
	Commercial real estate	2		1,546
	Commercial real estate - purchased whole loans	—		—
	Construction & land development	1		1,500
	Commercial & industrial	—		—
	Lease financing receivables	—		—
	Warehouse lines of credit	—		—
	Home equity	—		—
	Consumer:
	RPG loans	—		—
	Credit cards	—		—
	Overdrafts	—		—
	Other consumer	—		—
	Total	9		$	4,265
	Six Months Ended	Number of		Recorded
	June 30, 2013 (dollars in thousands)	Loans		Investment
	Residential real estate:
	Owner occupied - bank originated	30		$	3,367
	Owner occupied - correspondent	—		—
	Non owner occupied - bank originated	—		—
Commercial real estate	1		302
Commercial real estate - purchased whole loans	—		—
Construction & land development	—		—
Commercial & industrial	—		—
Lease financing receivables	—		—
Warehouse lines of credit	—		—
Home equity	3		365
Consumer:
RPG loans	—		—
Credit cards	—		—
Overdrafts	—		—
Other consumer	2		328
Total	36		$	4,362

DEPOSITS_Tables

DEPOSITS (Tables)	6 Months Ended
	Jun. 30, 2014
DEPOSITS	'
Ending Deposit Balances	'
	(in thousands)	June 30, 2014		December 31, 2013
	Demand	$	653,814	$	651,134
	Money market accounts	469,544		479,569
	Brokered money market accounts	37,016		35,533
	Savings	86,508		78,020
	Individual retirement accounts*	27,404		28,767
	Time deposits, $100,000 and over*	73,616		67,255
	Other certificates of deposit*	68,597		75,516
	Brokered certificates of deposit*(1)	68,833		86,421
	Total interest-bearing deposits	1,485,332		1,502,215
	Total non interest-bearing deposits	519,651		488,642
	Total deposits	$	2,004,983	$	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)	6 Months Ended
	Jun. 30, 2014
FEDERAL HOME LOAN BANK ("FHLB") ADVANCES	'
Federal Home Loan Bank Advances	'
	(in thousands)	June 30, 2014		December 31, 2013
	Overnight advance with an interest rate of 0.11% due on July 1, 2014	$	93,000	$	—
	Variable interest rate advance indexed to 3-Month LIBOR plus 0.14% due on December 19, 2014	10,000		10,000
	Fixed interest rate advances with a weighted average interest rate of 1.89% due through 2023	437,000		495,000
	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	$	640,000	$	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	198,000		1.38	%
	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	$	640,000	2	%
Investment Securities Pledged	'
	(in thousands)	June 30, 2014		December 31, 2013
	First lien, single family residential real estate	$	1,121,784	$	1,082,624
	Home equity lines of credit	101,438		105,957
	Multi-family commercial real estate	14,379		13,124

FAIR_VALUE_Tables

FAIR VALUE (Tables)	6 Months Ended
	Jun. 30, 2014
Fair Value Disclosures	'
Assets and Liabilities Measured at Fair Value on Recurring Basis	'
		Fair Value Measurements at
		June 30, 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	$	—		$	145,444		$	—		$	145,444
	Private label mortgage backed security	—			—			5,461			5,461
	Mortgage backed securities - residential	—			136,418			—			136,418
	Collateralized mortgage obligations	—			159,533			—			159,533
	Freddie Mac preferred stock	—			718			—			718
	Mutual fund	1,011			—			—			1,011
	Corporate bonds	—			15,061			—			15,061
	Total securities available for sale	$	1,011		$	457,174		$	5,461		$	463,646
	Mortgage loans held for sale	$	—		$	6,809		$	—		$	6,809
	Rate lock commitments	—			256			—			256
	Financial liabilities:
	Mandatory forward contracts	—			42			—			42
	Interest rate swap agreements	—			335			—			335
		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						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Balance, beginning of period	$	5,270		$	5,688		$	5,485		$	5,687
	Total gains or losses included in earnings:
	Net change in unrealized gain	315			238			369			422
	Recovery of actual losses previously recorded	34			—			66			—
	Principal paydowns	(158		)	(285		)	(459		)	(468		)
	Balance, end of period	$	5,461		$	5,641		$	5,461		$	5,641
Assets Measured at Fair Value on a Non-Recurring Basis	'
		Fair Value Measurements at
		June 30, 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 - bank originated	$	—		$	—		$	1,597		$	1,597
	Non owner occupied - bank originated	—			—			113			113
	Commercial real estate	—			—			5,039			5,039
	Home equity	—			—			1,165			1,165
	Total impaired loans*	$	—		$	—		$	7,914		$	7,914
	Other real estate owned:
	Residential real estate	$	—		$	—		$	918		$	918
	Commercial real estate	—			—			1,515			1,515
	Construction & land development	—			—			4,239			4,239
	Total other real estate owned	$	—		$	—		$	6,672		$	6,672
	Mortgage servicing rights**	$	—		$	1		$	—		$	1
		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 - bank originated	$	—		$	—		$	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 debt.
Impaired Loans Carrying Amount and Valuation Allowance	'
	(in thousands)	June 30, 2014			December 31, 2013
	Carrying amount of loans measured at fair value	$	7,073		$	7,629
	Estimated selling costs considered in carrying amount	841			909
	Total fair value	$	7,914		$	8,538
Other Real Estate Owned	'
	(in thousands)	June 30, 2014			December 31, 2013
	Carrying value of other real estate owned	$	11,613		$	17,102
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Other real estate owned write-downs	$	333		$	518		$	1,217		$	884
Mortgage Servicing Rights	'
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Credit to mortgage banking income due to impairment evaluation	$	—		$	(160	)	$	—		$	(312	)
Schedule of aggregate fair value, contractual balance and gain	'
	(in thousands)	June 30, 2014			December 31, 2013
	Aggregate fair value	$	6,809		$	3,506
	Contractual balance	6,596			3,417
	Gain	213			89
Schedule of gains and losses from changes in fair value included in earnings	'
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Interest income	$	49		$	145		$	95		$	258
	Change in fair value	159			(247		)	124			(113		)
	Total included in earnings	$	208		$	(102	)	$	219		$	145
Carrying Amount and Estimated Fair Values of Financial Instruments	'
					Fair Value Measurements at
					June 30, 2014:
														Total
		Carrying												Fair
	(in thousands)	Value			Level 1			Level 2			Level 3			Value
	Assets:
	Cash and cash equivalents	$	84,273		$	84,273		$	—		$	—		$	84,273
	Securities available for sale	463,646			1,011			457,174			5,461			463,646
	Securities to be held to maturity	48,338			—			48,594			—			48,594
	Mortgage loans held for sale, at fair value	6,809			—			6,809			—			6,809
	Loans, net	2,702,245			—			—			2,742,302			2,742,302
	Federal Home Loan Bank stock	28,208			—			—			—			N/A
	Mortgage servicing rights	5,009			—			6,985			—			6,985
	Accrued interest receivable	8,083			—			8,083			—			8,083
	Liabilities:
	Non interest-bearing deposits	519,651			—			519,651			—			519,651
	Transaction deposits	1,246,882			—			1,246,882			—			1,246,882
	Time deposits	238,450			—			239,407			—			239,407
	Securities sold under agreements to repurchase and other short-term borrowings	197,439			—			197,439			—			197,439
	Federal Home Loan Bank advances	640,000			—			655,116			—			655,116
	Subordinated note	41,240			—			38,062			—			38,062
	Accrued interest payable	1,261			—			1,261			—			1,261
					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
	June 30, 2014 (dollars in thousands)	Value			Technique		Unobservable Inputs		Range
	Private label mortgage backed security	$	5,461		Discounted cash flow		(1) Constant prepayment rate		2.0% - 6.5%
							(2) Probability of default		3.0% - 7.0%
							(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
	June 30, 2014 (dollars in thousands)	Value			Technique		Inputs		Average)
	Impaired loans - residential real estate owner occupied - bank originated	$	1,597		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 33% (7%)
	Impaired loans - residential real estate non owner occupied - bank originated	$	113		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 10% (1%)
	Impaired loans - commercial real estate	$	4,796		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 13% (7%)
		$	243		Income approach		Adjustments for differences between net operating income expectations		3% (3%)
	Impaired loans - home equity	$	1,165		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 35% (7%)
	Other real estate owned - residential real estate	$	918		Sales comparison approach		Adjustments determined for differences between comparable sales		13% (13%)
	Other real estate owned - commercial real estate	$	1,515		Sales comparison approach		Adjustments determined for differences between comparable sales		28% (28%)
	Other real estate owned - construction & land development	$	1,332		Sales comparison approach		Adjustments determined for differences between comparable sales		15% - 19% (16%)
		$	2,907		Income approach		Adjustments for differences between net operating income expectations		24% (24%)
									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 for differences between comparable sales		2% - 22% (7%)
	Impaired loans - commercial real estate	$	5,488		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 30% (19%)
	Impaired loans - home equity	$	1,030		Sales comparison approach		Adjustments determined for differences between comparable sales		0% - 10% (2%)
	Other real estate owned - residential real estate	$	1,716		Sales comparison approach		Adjustments determined for differences between comparable sales		10% - 53% (30%)
	Other real estate owned - commercialreal estate	$	507		Sales comparison approach		Adjustments determined for		23% - 33% (29%)
							differences between
							comparable sales
	Other real estate owned - construction & land development	$	2,236		Sales comparison approach		Adjustments determined for differences between 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)	6 Months Ended
	Jun. 30, 2014
MORTGAGE BANKING ACTIVITIES	'
Activity for Mortgage Loans Held for Sale	'
	June 30, (in thousands)	2014			2013
	Balance, January 1	$	3,506		$	10,614
	Origination of mortgage loans held for sale	33,284			208,094
	Proceeds from the sale of mortgage loans held for sale	(31,147		)	(199,942		)
	Net gain on sale of mortgage loans held for sale	1,166			5,408
	Balance, June 30	$	6,809		$	24,174
Components of Mortgage Banking Income	'
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Net gain realized on sale of mortgage loans held for sale	$	460		$	3,439		$	918		$	5,677
	Net change in fair value recognized on loans held for sale	159			(247		)	124			(113		)
	Net change in fair value recognized on rate lock commitments	99			(1,521		)	179			(388		)
	Net change in fair value recognized on forward contracts	(50		)	453			(55		)	232
	Net gain recognized	668			2,124			1,166			5,408
	Loan servicing income	492			546			794			1,092
	Amortization of mortgage servicing rights	(348		)	(650		)	(662		)	(1,358		)
	Change in mortgage servicing rights valuation allowance	—			160			—			312
	Net servicing income recognized	144			56			132			46
	Total Mortgage Banking income	$	812		$	2,180		$	1,298		$	5,454
Activity for capitalized mortgage servicing rights	'
	June 30, (in thousands)	2014			2013
	Balance, January 1	$	5,409		$	4,777
	Additions	262			1,574
	Amortized to expense	(662		)	(1,358		)
	Change in valuation allowance	—			312
	Balance, June 30	$	5,009		$	5,305
Valuation Allowance For Capitalized Mortgage Servicing Rights	'
	June 30, (in thousands)	2014			2013
	Balance, January 1	$	—		$	(345	)
	Additions	—			—
	Reductions credited to operations	—			312
	Balance, June 30	$	—		$	(33	)
Mortgage Servicing Rights	'
	(dollars in thousands)	June 30, 2014			December 31, 2013
	Fair value of mortgage servicing rights portfolio	$	6,985		$	7,337
	Prepayment speed range	100% - 462%			105% - 550%
	Discount rate	10%			10%
	Weighted average default rate	1.50%			1.50%
	Weighted average life in years	5.99			6.17
Schedule of notional amounts and fair values of mortgage banking derivatives	'
		June 30, 2014						December 31, 2013
		Notional						Notional
	(in thousands)	Amount			Fair Value			Amount			Fair Value
	Included in Mortgage loans held for sale:
	Mortgage loans held for sale	$	6,596		$	6,809		$	3,417		$	3,506
	Included in other assets:
	Rate lock loan commitments	$	8,051		$	256		$	4,393		$	77
	Mandatory forward contracts	—			—			5,571			12
	Total included in other assets	$	8,051		$	256		$	9,964		$	89
	Included in other liabilities:
	Mandatory forward contracts	$	11,288		$	42		$	—		$	—

INTEREST_RATE_SWAPS_Tables

INTEREST RATE SWAPS (Tables)	6 Months Ended
	Jun. 30, 2014
INTEREST RATE SWAPS	'
Summary of swaps designated as cash flow hedges	'
	(dollars in thousands)	June 30, 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 remaining maturity in years	6			7
	Unrealized gain (loss)	$	(335	)	$	170
	Fair value of security pledged as collateral	$	342		$	—
Schedule of interest expense recorded on swap transactions in the consolidated statements of income	'
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014		2013
	Interest expense on deposits related to money market swap transaction	$	51		$	—		$	100	$	—
	Interest expense on FHLB advances related to FHLB swap transaction	48			—			99		—
	Total interest expense on swap transactions	$	99		$	—		$	199	$	—
Summary of net losses recorded in accumulated OCI and the consolidated statements of income relating to the swaps	'
	Three Months Ended	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
	June 30, 2014 (in thousands)	(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	$	(173	)	$	—		$	—
	Three Months Ended	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
	June 30, 2013 (in thousands)	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	$	—		$	—		$	—
	Six Months Ended	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
	June 30, 2014 (in thousands)	(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	$	(329	)	$	—		$	—
	Six Months Ended	Amount of Gain			Amount of Gain (Loss)			Amount of Gain
	June 30, 2013 (in thousands)	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	'
		June 30, 2014						December 31, 2013
		Notional						Notional
	(in thousands)	Amount			Fair Value			Amount		Fair Value
	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		$	335		$	—	$	—

OFF_BALANCE_SHEET_RISKS_COMMIT1

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Tables)	6 Months Ended
	Jun. 30, 2014
OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES	'
Bank Commitment Exclusive of Mortgage Bank Loan Commitments	'
	(in thousands)	June 30, 2014		December 31, 2013
	Unused warehouse lines of credit	$	150,368	$	208,424
	Unused home equity lines of credit	233,511		230,361
	Unused loan commitments - other	235,465		178,776
	Commitments to purchase loans	50,578		—
	Standby letters of credit	12,757		2,308
	FHLB letters of credit	3,750		3,200
	Total commitments	$	686,429	$	623,069

EARNINGS_PER_SHARE_Tables

EARNINGS PER SHARE (Tables)	6 Months Ended
	Jun. 30, 2014
EARNINGS PER SHARE	'
Earning Per Share and Diluted	'
		Three Months Ended					Six Months Ended
		June 30,					June 30,
	(in thousands, except per share data)	2014			2013		2014		2013
	Net income	$	6,322		$	6,119	$	18,306	$	19,475
	Weighted average shares outstanding	20,793			20,782		20,795		20,823
	Effect of dilutive securities	95			76		96		72
	Average shares outstanding including dilutive securities	20,888			20,858		20,891		20,895
	Basic earnings per share:
	Class A Common Share	$	0.31		$	0.3	$	0.88	$	0.94
	Class B Common Share	$	0.29		$	0.28	$	0.85	$	0.91
	Diluted earnings per share:
	Class A Common Share	$	0.3		$	0.3	$	0.88	$	0.94
	Class B Common Share	$	0.29		$	0.28	$	0.85	$	0.9
Stock Option	'
		Three Months Ended				Six Months Ended
		June 30,				June 30,
		2014		2013		2014	2013
	Antidilutive stock options	15,500		122,450		15,500	128,450
	Average antidilutive stock options	15,500		119,118		15,500	123,782

SEGMENT_INFORMATION_Tables

SEGMENT INFORMATION (Tables)	6 Months Ended
	Jun. 30, 2014
SEGMENT INFORMATION	'
Segment Information	'
	Segment information for the three months ended June 30, 2014 and 2013 follows:
		Three Months Ended June 30, 2014
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	27,441		$	49		$	60		$	27,550
	Provision for loan losses	710			—			(17		)	693
	Net refund transfer fees	—			—			1,836			1,836
	Mortgage banking income	—			812			—			812
	Other non-interest income	6,361			71			432			6,864
	Total non-interest income	6,361			883			2,268			9,512
	Total non-interest expenses	23,929			1,013			1,773			26,715
	Income (loss) before income tax expense	9,163			(81		)	572			9,654
	Income tax expense (benefit)	3,210			(29		)	151			3,332
	Net income (loss)	$	5,953		$	(52	)	$	421		$	6,322
	Segment end of period assets	$	3,434,716		$	12,231		$	18,377		$	3,465,324
	Net interest margin	3.35		%	NM			NM			3.35		%
		Three Months Ended June 30, 2013
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	28,606		$	145		$	16		$	28,767
	Provision for loan losses	1,045			—			(140		)	905
	Net refund transfer fees	—			—			1,683			1,683
	Mortgage banking income	—			2,180			—			2,180
	Other non-interest income	6,660			75			185			6,920
	Total non-interest income	6,660			2,255			1,868			10,783
	Total non-interest expenses	25,443			906			3,350			29,699
	Income (loss) before income tax expense	8,778			1,494			(1,326		)	8,946
	Income tax expense (benefit)	2,768			523			(464		)	2,827
	Net income (loss)	$	6,010		$	971		$	(862	)	$	6,119
	Segment end of period assets	$	3,277,181		$	29,891		$	9,993		$	3,317,065
	Net interest margin	3.57		%	NM			NM			3.56		%
	Segment assets are reported as of the respective period ends while income and margin data are reported for the respective periods.
	NM — Not Meaningful
	Segment information for the six months ended June 30, 2014 and 2013 follows:
		Six Months Ended June 30, 2014
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	54,554		$	95		$	205		$	54,854
	Provision for loan losses	470			—			(480		)	(10		)
	Net refund transfer fees	—			—			16,224			16,224
	Mortgage banking income	—			1,298			—			1,298
	Other non-interest income	12,180			145			1,125			13,450
	Total non-interest income	12,180			1,443			17,349			30,972
	Total non-interest expenses	48,536			2,223			6,900			57,659
	Income (loss) before income tax expense	17,728			(685		)	11,134			28,177
	Income tax expense (benefit)	5,994			(240		)	4,117			9,871
	Net income (loss)	$	11,734		$	(445	)	$	7,017		$	18,306
	Segment end of period assets	$	3,434,716		$	12,231		$	18,377		$	3,465,324
	Net interest margin	3.32		%	NM			NM			3.29		%
		Six Months Ended June 30, 2013
	(dollars in thousands)	Traditional			Mortgage			Republic			Total Company
		Banking			Banking			Processing Group
	Net interest income	$	57,567		$	258		$	72		$	57,897
	Provision for loan losses	1,019			—			(739		)	280
	Net refund transfer fees	—			—			13,697			13,697
	Mortgage banking income	—			5,454			—			5,454
	Bargain purchase gain - FCB	1,324			—			—			1,324
	Other non-interest income	12,057			83			693			12,833
	Total non-interest income	13,381			5,537			14,390			33,308
	Total non-interest expenses	50,625			1,769			8,607			61,001
	Income before income tax expense	19,304			4,026			6,594			29,924
	Income tax expense	6,732			1,409			2,308			10,449
	Net income	$	12,572		$	2,617		$	4,286		$	19,475
Segment end of period assets	$	3,277,181		$	29,891		$	9,993		$	3,317,065
Net interest margin	3.58		%	NM			NM			3.56		%
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)	6 Months Ended
	Jun. 30, 2014
OTHER COMPREHENSIVE INCOME	'
Summary of OCI components and related tax effects	'
		Three Months Ended						Six Months Ended
		June 30,						June 30,
	(in thousands)	2014			2013			2014			2013
	Available for Sale Securities:
	Unrealized gain (loss) on securities available for sale	$	2,626		$	(2,566	)	$	2,628		$	(2,965	)
	Change in unrealized gain on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	315			238			369			422
	Net unrealized gains (losses)	2,941			(2,328		)	2,997			(2,543		)
	Tax effect	(1,029		)	815			(1,049		)	891
	Net of tax	1,912			(1,513		)	1,948			(1,652		)
	Cash Flow Hedges:
	Change in fair value of derivatives used for cash flow hedges	(265		)	—			(505		)	—
	Reclassification adjustment for gains realized in income	—			—			—			—
	Net unrealized gains	(265		)	—			(505		)	—
	Tax effect	92			—			176			—
	Net of tax	(173		)	—			(329		)	—
	Total other comprehensive income, net of tax	$	1,739		$	(1,513	)	$	1,619		$	(1,652	)
Summary of the accumulated OCI balances, net of tax	'
	(in thousands)	Balance at			Change for Six			Balance at June
		December 31, 2013			Months ending			30, 2014
					June 30, 2014
	Unrealized gain on securities available for sale	$	2,526		$	1,708		$	4,234
	Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	484			240			724
	Unrealized gain (loss) on cash flow hedge	111			(329		)	(218		)
		$	3,121		$	1,619		$	4,740
	(in thousands)	Balance at			Change for Six			Balance at June
		December 31, 2012			Months ending			30, 2013
					June 30, 2013
	Unrealized gain (loss) on securities available for sale	$	5,610		$	(1,926	)	$	3,684
	Unrealized gain on security available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	2			274			276
		$	5,612		$	(1,652	)	$	3,960

BASIS_OF_PRESENTATION_AND_SUMM2

BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	6 Months Ended
	Jun. 30, 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 $)

6 Months Ended

12 Months Ended

Jun. 30, 2014

Jun. 30, 2013

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2008

Jun. 30, 2014

Dec. 31, 2013

Dec. 31, 2013

Jun. 30, 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

Freddie Mac preferred stock

Freddie Mac preferred stock

Mutual fund

Mutual fund

Corporate bonds

Corporate bonds

Securities Available for Sale:

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Gross Amortized Cost

$456,020,000

'

$428,263,000

$144,821,000

$97,157,000

$4,347,000

$4,740,000

$131,702,000

$146,087,000

$159,137,000

$164,264,000

'

'

$1,000,000

$1,000,000

$15,015,000

$15,013,000

Gross Unrealized Gains

8,646,000

'

6,720,000

640,000

409,000

1,114,000

745,000

4,803,000

4,288,000

1,308,000

1,228,000

718,000

'

11,000

'

50,000

52,000

Gross Unrealized Losses

-1,020,000

'

-2,090,000

-17,000

-101,000

'

'

-87,000

-288,000

-912,000

-1,546,000

'

'

'

-5,000

-150,000

-4,000

Fair Value

463,646,000

'

432,893,000

145,444,000

97,465,000

5,461,000

5,485,000

136,418,000

150,087,000

159,533,000

163,946,000

718,000

0

1,011,000

995,000

14,915,000

15,061,000

Amount of floating rate corporate bonds purchased

$109,549,000

$78,205,000

'

'

'

'

'

'

'

'

'

'

'

'

'

$20,000,000

'

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 $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Securities Held to Maturity:	'	'
Carrying Value	$48,338	$50,644
Gross Unrecognized Gains	445	437
Gross Unrecognized Losses	-189	-313
Fair Value	48,594	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	2,275	2,311
Gross Unrecognized Gains	5	7
Gross Unrecognized Losses	-8	-13
Fair Value	2,272	2,305
Mortgage backed securities - residential	'	'
Securities Held to Maturity:	'	'
Carrying Value	412	420
Gross Unrecognized Gains	53	43
Fair Value	465	463
Collateralized mortgage obligations	'	'
Securities Held to Maturity:	'	'
Carrying Value	40,651	42,913
Gross Unrecognized Gains	387	387
Gross Unrecognized Losses	-52	-184
Fair Value	40,986	43,116
Corporate bonds	'	'
Securities Held to Maturity:	'	'
Carrying Value	5,000	5,000
Gross Unrecognized Losses	-129	-116
Fair Value	$4,871	$4,884

INVESTMENT_SECURITIES_Details_1

INVESTMENT SECURITIES (Details 3) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Sales of securities available for sale	'	'	'	'
Sales of available for sale securities	$0	$0	$0	$0
Calls of available for sale securities	$0	$0	$0	$0

INVESTMENT_SECURITIES_Details_2

INVESTMENT SECURITIES (Details 4) (USD $)

3 Months Ended

6 Months Ended

6 Months Ended

12 Months Ended

Jun. 30, 2014

Jun. 30, 2013

Jun. 30, 2014

Jun. 30, 2013

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2008

Jun. 30, 2014

Dec. 31, 2013

item

item

item

Private label mortgage backed security

Private label mortgage backed security

Mortgage backed securities - residential

Mortgage backed securities - residential

Collateralized mortgage obligations

Collateralized mortgage obligations

Freddie Mac preferred stock

Freddie Mac preferred stock

Mutual fund

Mutual fund

item

Securities available for Sale - Amortized Cost

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Due in one year or less

$23,493,000

'

$23,493,000

'

'

'

'

'

'

'

'

'

'

'

'

Due from one year to five years

126,341,000

'

126,341,000

'

'

'

'

'

'

'

'

'

'

'

'

Due from five years to ten years

10,000,000

'

10,000,000

'

'

'

'

'

'

'

'

'

'

'

'

Securities not due at a single maturity date

'

'

'

'

'

4,347,000

'

131,702,000

'

159,137,000

'

'

'

1,000,000

'

Total securities

456,020,000

'

456,020,000

'

'

'

'

'

'

'

'

'

'

'

'

Securities available for Sale - Fair Value

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Due in one year or less

23,715,000

'

23,715,000

'

'

'

'

'

'

'

'

'

'

'

'

Due from one year to five years

126,794,000

'

126,794,000

'

'

'

'

'

'

'

'

'

'

'

'

Due from five years to ten years

9,996,000

'

9,996,000

'

'

'

'

'

'

'

'

'

'

'

'

Securities not due at a single maturity date

'

'

'

'

'

5,461,000

'

136,418,000

'

159,533,000

'

718,000

'

1,011,000

'

Total securities

463,646,000

'

463,646,000

'

'

'

'

'

'

'

'

'

'

'

'

Securities held to maturity - Carrying Value

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Due in one year or less

500,000

'

500,000

'

'

'

'

'

'

'

'

'

'

'

'

Due from one year to five years

1,775,000

'

1,775,000

'

'

'

'

'

'

'

'

'

'

'

'

Due from five years to ten years

5,000,000

'

5,000,000

'

'

'

'

'

'

'

'

'

'

'

'

Securities not due at a single maturity date

'

'

'

'

'

'

'

412,000

'

40,651,000

'

'

'

'

'

Total securities

48,338,000

'

48,338,000

'

50,644,000

'

'

412,000

420,000

40,651,000

42,913,000

'

'

'

'

Securities held to maturity - Fair Value

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Due in one year or less

502,000

'

502,000

'

'

'

'

'

'

'

'

'

'

'

'

Due from one year to five years

1,771,000

'

1,771,000

'

'

'

'

'

'

'

'

'

'

'

'

Due from five years to ten years

4,870,000

'

4,870,000

'

'

'

'

'

'

'

'

'

'

'

'

Securities not due at a single maturity date

'

'

'

'

'

'

'

465,000

'

40,986,000

'

'

'

'

'

Fair Value

48,594,000

'

48,594,000

'

50,768,000

'

'

465,000

463,000

40,986,000

43,116,000

'

'

'

'

Number of securities held

162

'

162

'

162

'

'

'

'

'

'

'

40,000

'

'

Other Than Temporary Impairment ("OTTI") charge

'

'

'

'

'

'

'

'

'

'

'

'

2,100,000

'

'

Carrying value

463,646,000

'

463,646,000

'

432,893,000

5,461,000

5,485,000

136,418,000

150,087,000

159,533,000

163,946,000

718,000

0

1,011,000

995,000

Total unrealized gain

$2,626,000

($2,566,000)

$2,628,000

($2,965,000)

'

'

'

'

'

'

'

$718,000

'

'

'

INVESTMENT_SECURITIES_Details_3

INVESTMENT SECURITIES (Details 5) (USD $)	6 Months Ended
	Jun. 30, 2014	Dec. 31, 2013
	item	item
Available for sale	'	'
Less than 12 months Fair Value	$76,992,000	$130,307,000
Less than 12 months Unrealized Losses	-886,000	-2,090,000
12 months or more Fair Value	7,567,000	'
12 months or more Unrealized Losses	-134,000	'
Total Fair Value	84,559,000	130,307,000
Total Unrealized Losses	-1,020,000	-2,090,000
Held to maturity	'	'
Less than 12 months Fair Value	23,666,000	24,091,000
Less than 12 months Unrealized Losses	-189,000	-313,000
Total Fair Value	23,666,000	24,091,000
Total Unrealized Losses	-189,000	-313,000
Number of securities held	162	162
Number of securities held in an unrealized loss position	19	27
Carrying value	463,646,000	432,893,000
U.S. Treasury securities and U.S. Government agencies	'	'
Available for sale	'	'
Less than 12 months Fair Value	2,106,000	44,041,000
Less than 12 months Unrealized Losses	-17,000	-101,000
Total Fair Value	2,106,000	44,041,000
Total Unrealized Losses	-17,000	-101,000
Held to maturity	'	'
Less than 12 months Fair Value	521,000	521,000
Less than 12 months Unrealized Losses	-8,000	-13,000
Total Fair Value	521,000	521,000
Total Unrealized Losses	-8,000	-13,000
Carrying value	145,444,000	97,465,000
Mortgage backed securities - residential	'	'
Available for sale	'	'
Less than 12 months Fair Value	8,312,000	19,494,000
Less than 12 months Unrealized Losses	-87,000	-288,000
Total Fair Value	8,312,000	19,494,000
Total Unrealized Losses	-87,000	-288,000
Held to maturity	'	'
Carrying value	136,418,000	150,087,000
Collateralized mortgage obligations	'	'
Available for sale	'	'
Less than 12 months Fair Value	56,578,000	55,927,000
Less than 12 months Unrealized Losses	-778,000	-1,546,000
12 months or more Fair Value	7,567,000	'
12 months or more Unrealized Losses	-134,000	'
Total Fair Value	64,145,000	55,927,000
Total Unrealized Losses	-912,000	-1,546,000
Held to maturity	'	'
Less than 12 months Fair Value	18,274,000	18,686,000
Less than 12 months Unrealized Losses	-52,000	-184,000
Total Fair Value	18,274,000	18,686,000
Total Unrealized Losses	-52,000	-184,000
Carrying value	159,533,000	163,946,000
Mutual fund	'	'
Available for sale	'	'
Less than 12 months Fair Value	'	995,000
Less than 12 months Unrealized Losses	'	-5,000
Total Fair Value	'	995,000
Total Unrealized Losses	'	-5,000
Held to maturity	'	'
Carrying value	1,011,000	995,000
Corporate bonds	'	'
Available for sale	'	'
Less than 12 months Fair Value	9,996,000	9,850,000
Less than 12 months Unrealized Losses	-4,000	-150,000
Total Fair Value	9,996,000	9,850,000
Total Unrealized Losses	-4,000	-150,000
Held to maturity	'	'
Less than 12 months Fair Value	4,871,000	4,884,000
Less than 12 months Unrealized Losses	-129,000	-116,000
Total Fair Value	4,871,000	4,884,000
Total Unrealized Losses	-129,000	-116,000
Carrying value	15,061,000	14,915,000
Private label mortgage backed security	'	'
Held to maturity	'	'
Carrying value	$5,461,000	$5,485,000
Estimated average life	'4 years	'

INVESTMENT_SECURITIES_Details_4

INVESTMENT SECURITIES (Details 6) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
INVESTMENT SECURITIES	'	'
Carrying amount	$249,532	$224,693
Fair value	$249,659	$224,989

LOANS_AND_ALLOWANCE_FOR_LOAN_L2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Loans disclosures	'	'	'	'	'	'
Total loans	$2,725,017	'	$2,589,792	'	'	'
Less: Allowance for loan losses	22,772	22,367	23,026	22,491	23,563	23,729
Loans, net	2,702,245	'	2,566,766	'	'	'
Residential Real Estate - Owner Occupied - bank originated	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	1,127,519	'	1,097,795	'	'	'
Less: Allowance for loan losses	8,055	7,751	7,816	7,563	6,984	7,006
Residential Real Estate - Owner Occupied - correspondent	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	11,785	'	'	'	'	'
Less: Allowance for loan losses	60	'	'	'	'	'
Residential Real Estate - Non Owner Occupied - bank originated	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	98,644	'	110,809	'	'	'
Less: Allowance for loan losses	839	984	1,023	642	924	1,049
Commercial real estate	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	758,676	'	773,173	'	'	'
Less: Allowance for loan losses	7,696	7,901	8,309	8,763	8,781	8,843
Commercial real estate - purchased whole loans	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	34,534	'	34,186	'	'	'
Less: Allowance for loan losses	34	34	34	34	34	34
Construction & Land Development	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	41,109	'	44,351	'	'	'
Less: Allowance for loan losses	1,090	1,192	1,296	1,587	3,101	2,769
Commercial & Industrial	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	146,334	'	127,763	'	'	'
Less: Allowance for loan losses	1,152	1,080	1,089	710	727	580
Lease financing receivables	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	310	'	'	'	'	'
Less: Allowance for loan losses	3	'	'	'	'	'
Warehouse lines of credit	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	244,131	'	149,576	'	'	'
Less: Allowance for loan losses	610	477	449	462	433	541
Home equity	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	235,919	'	226,782	'	'	'
Less: Allowance for loan losses	2,403	2,371	2,396	1,932	1,909	2,348
Consumer: RPG loans	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	3,022	'	1,827	'	'	'
Less: Allowance for loan losses	46	'	'	'	'	'
Consumer: Credit cards	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	9,321	'	9,030	'	'	'
Less: Allowance for loan losses	286	276	289	344	326	210
Consumer: Overdrafts	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	1,105	'	944	'	'	'
Less: Allowance for loan losses	280	212	199	249	209	198
Consumer: Other consumer	'	'	'	'	'	'
Loans disclosures	'	'	'	'	'	'
Total loans	12,608	'	13,556	'	'	'
Less: Allowance for loan losses	$218	$89	$126	$205	$135	$151

LOANS_AND_ALLOWANCE_FOR_LOAN_L3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 2) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
2012 FDIC-Assisted Acquisitions	'	'	'	'	'
Total carrying value of loans	$2,725,017,000	'	$2,725,017,000	'	$2,589,792,000
PCI loan	'	'	'	'	'
2012 FDIC-Assisted Acquisitions	'	'	'	'	'
Contractually-required principal	38,934,000	'	38,934,000	'	57,992,000
Non-accretable amount	-9,292,000	'	-9,292,000	'	-13,582,000
Accretable amount	-2,487,000	'	-2,487,000	'	-3,457,000
Total carrying value of loans	27,155,000	'	27,155,000	'	40,953,000
Rollforward of the accretable discount on purchased loans within the scope of ASC Topic 310-30	'	'	'	'	'
Balance, beginning of period	-2,765,000	-2,300,000	-3,457,000	-3,231,000	'
Transfers between non-accretable and accretable	-1,029,000	-712,000	-2,340,000	-1,696,000	'
Net accretion into interest income on loans, including loan fees	1,307,000	1,631,000	3,310,000	3,263,000	'
Other changes	'	'	'	283,000	'
Balance, end of period	-2,487,000	-1,381,000	-2,487,000	-1,381,000	'
PCI loan | Loans	'	'	'	'	'
2012 FDIC-Assisted Acquisitions	'	'	'	'	'
Financial assets	27,000,000	'	27,000,000	'	41,000,000
PCI loan | Loans | Contractual Amount	'	'	'	'	'
2012 FDIC-Assisted Acquisitions	'	'	'	'	'
Financial assets	$39,000,000	'	$39,000,000	'	$58,000,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 3) (USD $)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Risk category of loans	'	'	'	'	'
Loans	$2,725,017,000	'	$2,725,017,000	'	$2,589,792,000
Maximum loan value for non rated loans	100,000	'	100,000	'	100,000
Maximum number of days past due for loans to be non rated	'80 days	'	'80 days	'	'80 days
Loans modified by troubled debt restructurings during the period	1,633,000	2,708,000	9,307,000	15,824,000	'
Residential Real Estate - Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	1,127,519,000	'	1,127,519,000	'	1,097,795,000
Residential Real Estate - Owner Occupied - correspondent	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	11,785,000	'	11,785,000	'	'
Residential Real Estate - Non Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	98,644,000	'	98,644,000	'	110,809,000
Commercial real estate	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	758,676,000	'	758,676,000	'	773,173,000
Commercial real estate - purchased whole loans	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	34,534,000	'	34,534,000	'	34,186,000
Construction & Land Development	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	41,109,000	'	41,109,000	'	44,351,000
Commercial & Industrial	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	146,334,000	'	146,334,000	'	127,763,000
Lease financing receivables	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	310,000	'	310,000	'	'
Warehouse lines of credit	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	244,131,000	'	244,131,000	'	149,576,000
Home equity	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	235,919,000	'	235,919,000	'	226,782,000
Consumer: Other consumer	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	12,608,000	'	12,608,000	'	13,556,000
Pass	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	1,172,703,000	'	1,172,703,000	'	1,057,609,000
Pass | Commercial real estate	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	713,947,000	'	713,947,000	'	709,610,000
Pass | Commercial real estate - purchased whole loans	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	34,534,000	'	34,534,000	'	34,186,000
Pass | Construction & Land Development	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	37,725,000	'	37,725,000	'	40,591,000
Pass | Commercial & Industrial	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	142,056,000	'	142,056,000	'	123,646,000
Pass | Lease financing receivables	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	310,000	'	310,000	'	'
Pass | Warehouse lines of credit	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	244,131,000	'	244,131,000	'	149,576,000
Special Mention	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	40,541,000	'	40,541,000	'	40,167,000
Loans modified by troubled debt restructurings during the period	'	'	1,000,000	'	1,000,000
Special Mention | Residential Real Estate - Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	28,233,000	'	28,233,000	'	27,431,000
Special Mention | Residential Real Estate - Non Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	1,678,000	'	1,678,000	'	919,000
Special Mention | Commercial real estate	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	9,589,000	'	9,589,000	'	11,125,000
Special Mention | Construction & Land Development	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	124,000	'	124,000	'	128,000
Special Mention | Commercial & Industrial	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	901,000	'	901,000	'	296,000
Special Mention | Home equity	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	'	'	'	'	250,000
Special Mention | Consumer: Other consumer	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	16,000	'	16,000	'	18,000
Substandard	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	38,539,000	'	38,539,000	'	44,083,000
Loans modified by troubled debt restructurings during the period	'	'	5,000,000	'	6,000,000
Substandard | Residential Real Estate - Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	13,182,000	'	13,182,000	'	10,994,000
Substandard | Residential Real Estate - Non Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	2,048,000	'	2,048,000	'	1,292,000
Substandard | Commercial real estate	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	16,736,000	'	16,736,000	'	25,296,000
Substandard | Construction & Land Development	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	2,388,000	'	2,388,000	'	2,386,000
Substandard | Commercial & Industrial	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	1,899,000	'	1,899,000	'	2,035,000
Substandard | Home equity	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	2,246,000	'	2,246,000	'	2,014,000
Substandard | Consumer: Other consumer	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	40,000	'	40,000	'	66,000
Purchased Credit Impaired Loans - Group 1	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	26,897,000	'	26,897,000	'	40,731,000
Purchased Credit Impaired Loans - Group 1 | Residential Real Estate - Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	1,779,000	'	1,779,000	'	2,810,000
Purchased Credit Impaired Loans - Group 1 | Residential Real Estate - Non Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	4,600,000	'	4,600,000	'	7,936,000
Purchased Credit Impaired Loans - Group 1 | Commercial real estate	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	18,361,000	'	18,361,000	'	27,142,000
Purchased Credit Impaired Loans - Group 1 | Construction & Land Development	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	872,000	'	872,000	'	1,246,000
Purchased Credit Impaired Loans - Group 1 | Commercial & Industrial	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	1,263,000	'	1,263,000	'	1,564,000
Purchased Credit Impaired Loans - Group 1 | Consumer: Other consumer	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	22,000	'	22,000	'	33,000
Purchased Credit Impaired Loans - Substandard	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	258,000	'	258,000	'	222,000
Purchased Credit Impaired Loans - Substandard | Commercial real estate	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	43,000	'	43,000	'	'
Purchased Credit Impaired Loans - Substandard | Commercial & Industrial	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	215,000	'	215,000	'	222,000
Rated Loans	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	1,278,938,000	'	1,278,938,000	'	1,182,812,000
Rated Loans | Residential Real Estate - Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	43,194,000	'	43,194,000	'	41,235,000
Rated Loans | Residential Real Estate - Non Owner Occupied - bank originated	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	8,326,000	'	8,326,000	'	10,147,000
Rated Loans | Commercial real estate	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	758,676,000	'	758,676,000	'	773,173,000
Rated Loans | Commercial real estate - purchased whole loans	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	34,534,000	'	34,534,000	'	34,186,000
Rated Loans | Construction & Land Development	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	41,109,000	'	41,109,000	'	44,351,000
Rated Loans | Commercial & Industrial	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	146,334,000	'	146,334,000	'	127,763,000
Rated Loans | Lease financing receivables	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	310,000	'	310,000	'	'
Rated Loans | Warehouse lines of credit	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	244,131,000	'	244,131,000	'	149,576,000
Rated Loans | Home equity	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	2,246,000	'	2,246,000	'	2,264,000
Rated Loans | Consumer: Other consumer	'	'	'	'	'
Risk category of loans	'	'	'	'	'
Loans	$78,000	'	$78,000	'	$117,000

LOANS_AND_ALLOWANCE_FOR_LOAN_L5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 4) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Allowance for loan losses rollforward	'	'	'	'
Allowance, beginning of period	$22,367	$23,563	$23,026	$23,729
Charge offs	-715	-2,562	-1,627	-3,117
Recoveries	427	585	1,383	1,599
Net (charge offs) recoveries	-288	-1,977	-244	-1,518
Provision for losses	693	905	-10	280
Allowance, end of period	22,772	22,491	22,772	22,491
Traditional Banking	'	'	'	'
Allowance for loan losses rollforward	'	'	'	'
Charge offs	-715	-2,562	-1,627	-3,117
Recoveries	364	445	857	860
Net (charge offs) recoveries	-351	-2,117	-770	-2,257
Provision for losses	710	1,045	470	1,019
RPG	'	'	'	'
Allowance for loan losses rollforward	'	'	'	'
Recoveries	63	140	526	739
Net (charge offs) recoveries	63	140	526	739
Provision for losses	($17)	($140)	($480)	($739)

LOANS_AND_ALLOWANCE_FOR_LOAN_L6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 5) (USD $)	3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended	6 Months Ended	3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended								3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended	6 Months Ended	3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended		3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2014	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2014	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
					Residential Real Estate - Owner Occupied - bank originated	Residential Real Estate - Owner Occupied - bank originated	Residential Real Estate - Owner Occupied - bank originated	Residential Real Estate - Owner Occupied - bank originated	Residential Real Estate - Owner Occupied - correspondent	Residential Real Estate - Owner Occupied - correspondent	Residential Real Estate - Non Owner Occupied - bank originated	Residential Real Estate - Non Owner Occupied - bank originated	Residential Real Estate - Non Owner Occupied - bank originated	Residential Real Estate - Non Owner Occupied - bank originated	Commercial Real Estate	Commercial Real Estate	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	Commercial real estate - purchased whole loans	Commercial real estate - purchased whole loans	Construction & Land Development	Construction & Land Development	Construction & Land Development	Construction & Land Development	Commercial & Industrial	Commercial & Industrial	Commercial & Industrial	Commercial & Industrial	Lease financing receivables	Lease financing receivables	Warehouse Lines of Credit	Warehouse Lines of Credit	Warehouse Lines of Credit	Warehouse Lines of Credit	Home Equity	Home Equity	Home Equity	Home Equity	Consumer: RPG loans	Consumer: RPG loans	Consumer: RPG loans	Consumer: RPG loans	Consumer: Credit cards	Consumer: Credit cards	Consumer: Credit cards	Consumer: Credit cards	Consumer: Overdrafts	Consumer: Overdrafts	Consumer: Overdrafts	Consumer: Overdrafts	Consumer: Other consumer	Consumer: Other consumer	Consumer: Other consumer	Consumer: Other consumer
Allowance for loan losses rollforward	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'	'
Allowance, beginning of period	$22,367	$23,563	$23,026	$23,729	$7,751	$6,984	$7,816	$7,006	'	'	$984	$924	$1,023	$1,049	$7,901	$8,781	$8,309	$8,843	$34	$34	$34	$34	$34	$34	$1,192	$3,101	$1,296	$2,769	$1,080	$727	$1,089	$580	'	'	$477	$433	$449	$541	$2,371	$1,909	$2,396	$2,348	'	'	'	'	$276	$326	$289	$210	$212	$209	$199	$198	$89	$135	$126	$151
Provision for losses	693	905	-10	280	460	991	578	1,071	60	60	-141	-173	-171	-263	-206	572	-384	506	'	'	'	'	'	'	-185	-916	-273	-620	70	244	13	386	3	3	133	29	161	-79	235	83	235	-352	-17	-140	-480	-739	40	63	22	184	113	71	160	127	128	81	66	59
Charge offs	-715	-2,562	-1,627	-3,117	-202	-512	-419	-713	'	'	-7	-115	-22	-158	-2	-651	-374	-665	'	'	'	'	'	'	-1	-600	-18	-600	-20	-310	-20	-310	'	'	'	'	'	'	-217	-93	-283	-136	'	'	'	'	-37	-50	-42	-60	-142	-130	-293	-305	-87	-101	-156	-170
Recoveries	427	585	1,383	1,599	46	100	80	199	'	'	3	6	9	14	3	61	145	79	'	'	'	'	'	'	84	2	85	38	22	49	70	54	'	'	'	'	'	'	14	33	55	72	63	140	526	739	7	5	17	10	97	99	214	229	88	90	182	165
Allowance, end of period	$22,772	$22,491	$22,772	$22,491	$8,055	$7,563	$8,055	$7,563	$60	$60	$839	$642	$839	$642	$7,696	$8,763	$7,696	$8,763	$34	$34	$34	$34	$34	$34	$1,090	$1,587	$1,090	$1,587	$1,152	$710	$1,152	$710	$3	$3	$610	$462	$610	$462	$2,403	$1,932	$2,403	$1,932	$46	'	$46	'	$286	$344	$286	$344	$280	$249	$280	$249	$218	$205	$218	$205

LOANS_AND_ALLOWANCE_FOR_LOAN_L7

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 6) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Non-performing loans and other assets disclosures	'	'
Loans on non-accrual status	$19,606	$19,104
Loans past due 90-days-or-more and still on accrual	734	1,974
Total non-performing loans	20,340	21,078
Other real estate owned	11,613	17,102
Total non-performing assets	$31,953	$38,180
Credit Quality Ratios - Total Company	'	'
Non-performing loans to total loans (as percent)	0.75%	0.81%
Non-performing assets to total loans (including OREO) (as percent)	1.17%	1.46%
Non-performing assets to total assets (as percent)	0.92%	1.13%

LOANS_AND_ALLOWANCE_FOR_LOAN_L8

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 7) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
	item
Aging or recorded investments in loans	'	'
Non-Accrual	$19,606	$19,104
Past Due 90-Days-or-More and Still Accruing Interest	734	1,974
Number of consecutive months payments received before non-accrual loans returned to accrual status (in months)	6	'
Residential Real Estate - Owner Occupied - bank originated	'	'
Aging or recorded investments in loans	'	'
Non-Accrual	9,702	8,538
Past Due 90-Days-or-More and Still Accruing Interest	173	673
Residential Real Estate - Non Owner Occupied - bank originated	'	'
Aging or recorded investments in loans	'	'
Non-Accrual	1,250	1,279
Commercial real estate	'	'
Aging or recorded investments in loans	'	'
Non-Accrual	5,008	7,643
Past Due 90-Days-or-More and Still Accruing Interest	561	'
Construction & Land Development	'	'
Aging or recorded investments in loans	'	'
Non-Accrual	1,990	97
Past Due 90-Days-or-More and Still Accruing Interest	'	70
Commercial & Industrial	'	'
Aging or recorded investments in loans	'	'
Non-Accrual	131	327
Past Due 90-Days-or-More and Still Accruing Interest	'	1,231
Home equity	'	'
Aging or recorded investments in loans	'	'
Non-Accrual	1,444	1,128
Consumer: Other consumer	'	'
Aging or recorded investments in loans	'	'
Non-Accrual	$81	$92

LOANS_AND_ALLOWANCE_FOR_LOAN_L9

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 8) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	$2,868	$4,335
60 - 89 Days Delinquent	2,095	2,165
90 & More Days Delinquent	7,099	9,723
Total Delinquent	12,062	16,223
Total Not Delinquent	2,712,955	2,573,569
Total carrying value of loans	2,725,017	2,589,792
30 - 59 days delinquent ratio (as a percent)	0.11%	0.17%
60 - 89 days delinquent ratio (as a percent)	0.08%	0.08%
90 days or more delinquent ratio (as a percent)	0.26%	0.38%
Delinquent loans ratio (as a percent)	0.44%	0.63%
Residential Real Estate - Owner Occupied - bank originated	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	1,462	1,956
60 - 89 Days Delinquent	1,768	733
90 & More Days Delinquent	3,114	3,668
Total Delinquent	6,344	6,357
Total Not Delinquent	1,121,175	1,091,438
Total carrying value of loans	1,127,519	1,097,795
Residential Real Estate - Owner Occupied - correspondent	'	'
Aging or recorded investments in loans	'	'
Total Not Delinquent	11,785	'
Total carrying value of loans	11,785	'
Residential Real Estate - Non Owner Occupied - bank originated	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	223	195
60 - 89 Days Delinquent	60	967
90 & More Days Delinquent	131	131
Total Delinquent	414	1,293
Total Not Delinquent	98,230	109,516
Total carrying value of loans	98,644	110,809
Commercial real estate	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	638	874
60 - 89 Days Delinquent	117	384
90 & More Days Delinquent	1,385	3,940
Total Delinquent	2,140	5,198
Total Not Delinquent	756,536	767,975
Total carrying value of loans	758,676	773,173
Commercial real estate - purchased whole loans	'	'
Aging or recorded investments in loans	'	'
Total Not Delinquent	34,534	34,186
Total carrying value of loans	34,534	34,186
Construction & Land Development	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	'	332
90 & More Days Delinquent	1,990	167
Total Delinquent	1,990	499
Total Not Delinquent	39,119	43,852
Total carrying value of loans	41,109	44,351
Commercial & Industrial	'	'
Aging or recorded investments in loans	'	'
90 & More Days Delinquent	131	1,415
Total Delinquent	131	1,415
Total Not Delinquent	146,203	126,348
Total carrying value of loans	146,334	127,763
Lease financing receivables	'	'
Aging or recorded investments in loans	'	'
Total Not Delinquent	310	'
Total carrying value of loans	310	'
Warehouse lines of credit	'	'
Aging or recorded investments in loans	'	'
Total Not Delinquent	244,131	149,576
Total carrying value of loans	244,131	149,576
Home Equity	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	284	665
60 - 89 Days Delinquent	25	48
90 & More Days Delinquent	344	397
Total Delinquent	653	1,110
Total Not Delinquent	235,266	225,672
Total carrying value of loans	235,919	226,782
Consumer: RPG loans	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	3	'
60 - 89 Days Delinquent	93	'
Total Delinquent	96	'
Total Not Delinquent	2,926	1,827
Total carrying value of loans	3,022	1,827
Consumer: Credit cards	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	59	87
60 - 89 Days Delinquent	12	6
90 & More Days Delinquent	4	5
Total Delinquent	75	98
Total Not Delinquent	9,246	8,932
Total carrying value of loans	9,321	9,030
Consumer: Overdrafts	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	124	159
60 - 89 Days Delinquent	2	'
Total Delinquent	126	159
Total Not Delinquent	979	785
Total carrying value of loans	1,105	944
Consumer: Other consumer	'	'
Aging or recorded investments in loans	'	'
30 - 59 Days Delinquent	75	67
60 - 89 Days Delinquent	18	27
Total Delinquent	93	94
Total Not Delinquent	12,515	13,462
Total carrying value of loans	$12,608	$13,556

Recovered_Sheet1

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 9) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Impaired loans	'	'
Loans with no allocated Allowance	$31,397	$36,721
Loans with allocated Allowance	61,605	71,273
Total impaired loans	93,002	107,994
Amount of the Allowance allocated	5,866	6,674
Impaired loan through troubled debt restructuring	69,592	73,972
PCI loan	'	'
Impaired loans	'	'
Total impaired loans	15,000	24,000
Impaired loan through troubled debt restructuring	$6,000	$6,000

Recovered_Sheet2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 10) (USD $)	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2012
In Thousands, unless otherwise specified
Allowance for loans losses	'	'	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	$4,875	'	$5,402	'	'	'
Collectively evaluated for impairment	16,906	'	16,352	'	'	'
PCI loans with post acquisition impairment	991	'	1,272	'	'	'
Total ending allowance	22,772	22,367	23,026	22,491	23,563	23,729
Impaired loans individually evaluated, excluding PCI loans	78,339	'	84,155	'	'	'
Loans collectively evaluated for impairment	2,619,523	'	2,464,684	'	'	'
PCI loans with post acquisition impairment	14,663	'	23,839	'	'	'
PCI loans without post acquisition impairment	12,492	'	17,114	'	'	'
Total carrying value of loans	2,725,017	'	2,589,792	'	'	'
Residential Real Estate - Owner Occupied - bank originated	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	3,459	'	3,606	'	'	'
Collectively evaluated for impairment	4,553	'	4,159	'	'	'
PCI loans with post acquisition impairment	43	'	51	'	'	'
Total ending allowance	8,055	7,751	7,816	7,563	6,984	7,006
Impaired loans individually evaluated, excluding PCI loans	41,191	'	39,211	'	'	'
Loans collectively evaluated for impairment	1,084,549	'	1,055,774	'	'	'
PCI loans with post acquisition impairment	909	'	1,455	'	'	'
PCI loans without post acquisition impairment	870	'	1,355	'	'	'
Total carrying value of loans	1,127,519	'	1,097,795	'	'	'
Residential Real Estate - Owner Occupied - correspondent	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Collectively evaluated for impairment	60	'	'	'	'	'
Total ending allowance	60	'	'	'	'	'
Loans collectively evaluated for impairment	11,785	'	'	'	'	'
Total carrying value of loans	11,785	'	'	'	'	'
Residential Real Estate - Non Owner Occupied - bank originated	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	87	'	61	'	'	'
Collectively evaluated for impairment	625	'	672	'	'	'
PCI loans with post acquisition impairment	127	'	290	'	'	'
Total ending allowance	839	984	1,023	642	924	1,049
Impaired loans individually evaluated, excluding PCI loans	3,038	'	2,061	'	'	'
Loans collectively evaluated for impairment	91,006	'	100,812	'	'	'
PCI loans with post acquisition impairment	3,745	'	5,984	'	'	'
PCI loans without post acquisition impairment	855	'	1,952	'	'	'
Total carrying value of loans	98,644	'	110,809	'	'	'
Commercial real estate	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	853	'	1,232	'	'	'
Collectively evaluated for impairment	6,340	'	6,474	'	'	'
PCI loans with post acquisition impairment	503	'	603	'	'	'
Total ending allowance	7,696	7,901	8,309	8,763	8,781	8,843
Impaired loans individually evaluated, excluding PCI loans	25,072	'	33,519	'	'	'
Loans collectively evaluated for impairment	715,200	'	712,512	'	'	'
PCI loans with post acquisition impairment	8,615	'	14,512	'	'	'
PCI loans without post acquisition impairment	9,789	'	12,630	'	'	'
Total carrying value of loans	758,676	'	773,173	'	'	'
Commercial real estate - purchased whole loans	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Collectively evaluated for impairment	34	'	34	'	'	'
Total ending allowance	34	34	34	34	34	34
Loans collectively evaluated for impairment	34,534	'	34,186	'	'	'
Total carrying value of loans	34,534	'	34,186	'	'	'
Construction & Land Development	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	256	'	146	'	'	'
Collectively evaluated for impairment	834	'	1,140	'	'	'
PCI loans with post acquisition impairment	'	'	10	'	'	'
Total ending allowance	1,090	1,192	1,296	1,587	3,101	2,769
Impaired loans individually evaluated, excluding PCI loans	2,584	'	2,494	'	'	'
Loans collectively evaluated for impairment	37,653	'	40,611	'	'	'
PCI loans with post acquisition impairment	'	'	267	'	'	'
PCI loans without post acquisition impairment	872	'	979	'	'	'
Total carrying value of loans	41,109	'	44,351	'	'	'
Commercial & Industrial	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	'	'	111	'	'	'
Collectively evaluated for impairment	835	'	661	'	'	'
PCI loans with post acquisition impairment	317	'	317	'	'	'
Total ending allowance	1,152	1,080	1,089	710	727	580
Impaired loans individually evaluated, excluding PCI loans	4,153	'	4,521	'	'	'
Loans collectively evaluated for impairment	140,703	'	121,456	'	'	'
PCI loans with post acquisition impairment	1,383	'	1,609	'	'	'
PCI loans without post acquisition impairment	95	'	177	'	'	'
Total carrying value of loans	146,334	'	127,763	'	'	'
Lease financing receivables	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Collectively evaluated for impairment	3	'	'	'	'	'
Total ending allowance	3	'	'	'	'	'
Loans collectively evaluated for impairment	310	'	'	'	'	'
Total carrying value of loans	310	'	'	'	'	'
Warehouse Lines of Credit	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Collectively evaluated for impairment	610	'	449	'	'	'
Total ending allowance	610	477	449	462	433	541
Loans collectively evaluated for impairment	244,131	'	149,576	'	'	'
Total carrying value of loans	244,131	'	149,576	'	'	'
Home equity	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	180	'	203	'	'	'
Collectively evaluated for impairment	2,223	'	2,193	'	'	'
Total ending allowance	2,403	2,371	2,396	1,932	1,909	2,348
Impaired loans individually evaluated, excluding PCI loans	2,246	'	2,264	'	'	'
Loans collectively evaluated for impairment	233,673	'	224,518	'	'	'
Total carrying value of loans	235,919	'	226,782	'	'	'
Consumer: RPG loans	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Collectively evaluated for impairment	46	'	2	'	'	'
Total ending allowance	46	'	'	'	'	'
Loans collectively evaluated for impairment	3,022	'	1,827	'	'	'
Total carrying value of loans	3,022	'	1,827	'	'	'
Consumer: Credit cards	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Collectively evaluated for impairment	286	'	289	'	'	'
Total ending allowance	286	276	289	344	326	210
Loans collectively evaluated for impairment	9,321	'	9,030	'	'	'
Total carrying value of loans	9,321	'	9,030	'	'	'
Consumer: Overdrafts	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Collectively evaluated for impairment	280	'	199	'	'	'
Total ending allowance	280	212	199	249	209	198
Loans collectively evaluated for impairment	1,105	'	944	'	'	'
Total carrying value of loans	1,105	'	944	'	'	'
Consumer: Other consumer	'	'	'	'	'	'
Allowance for loans losses	'	'	'	'	'	'
Individually evaluated for impairment, excluding PCI loans	40	'	43	'	'	'
Collectively evaluated for impairment	177	'	80	'	'	'
PCI loans with post acquisition impairment	1	'	1	'	'	'
Total ending allowance	218	89	126	205	135	151
Impaired loans individually evaluated, excluding PCI loans	55	'	85	'	'	'
Loans collectively evaluated for impairment	12,531	'	13,438	'	'	'
PCI loans with post acquisition impairment	11	'	12	'	'	'
PCI loans without post acquisition impairment	11	'	21	'	'	'
Total carrying value of loans	$12,608	'	$13,556	'	'	'

Recovered_Sheet3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 11) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Impaired loans with no related allowance recorded:	'	'	'	'	'
Recorded Investment	$31,397	'	$31,397	'	$36,721
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	95,144	'	95,144	'	'
Recorded Investment	61,605	'	61,605	'	71,273
Allowance for Loan Losses Allocated	5,866	'	5,866	'	6,674
Total impaired loans	'	'	'	'	'
Unpaid Principal Balance	95,144	'	95,144	'	110,262
Recorded Investment	93,002	'	93,002	'	107,994
Allowance for Loan Losses Allocated	5,866	'	5,866	'	6,674
Average Recorded Investment	96,609	113,013	100,401	110,577	'
Interest Income Recognized	962	1,784	1,698	2,811	'
Residential Real Estate - Owner Occupied - bank originated	'	'	'	'	'
Impaired loans with no related allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	7,276	'	7,276	'	7,136
Recorded Investment	6,857	'	6,857	'	6,569
Average Recorded Investment	7,104	11,625	6,925	12,119	'
Interest Income Recognized	78	109	125	205	'
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	34,393
Recorded Investment	'	'	'	'	34,097
Allowance for Loan Losses Allocated	'	'	'	'	3,657
Average Recorded Investment	'	33,254	'	32,656	'
Interest Income Recognized	'	261	'	481	'
Total impaired loans	'	'	'	'	'
Allowance for Loan Losses Allocated	'	'	'	'	3,657
Residential Real Estate - Owner Occupied - retail	'	'	'	'	'
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	35,583	'	35,583	'	'
Recorded Investment	35,243	'	35,243	'	'
Allowance for Loan Losses Allocated	3,502	'	3,502	'	'
Average Recorded Investment	35,048	'	34,731	'	'
Interest Income Recognized	253	'	493	'	'
Total impaired loans	'	'	'	'	'
Allowance for Loan Losses Allocated	3,502	'	3,502	'	'
Residential Real Estate - Non Owner Occupied - bank originated	'	'	'	'	'
Impaired loans with no related allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	1,767	'	1,767	'	1,498
Recorded Investment	1,591	'	1,591	'	1,256
Average Recorded Investment	1,474	1,778	1,401	1,450	'
Interest Income Recognized	15	5	25	7	'
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	5,192	'	5,192	'	6,789
Recorded Investment	5,192	'	5,192	'	6,789
Allowance for Loan Losses Allocated	214	'	214	'	351
Average Recorded Investment	5,791	3,968	6,123	3,854	'
Interest Income Recognized	122	47	175	77	'
Total impaired loans	'	'	'	'	'
Allowance for Loan Losses Allocated	214	'	214	'	351
Commercial real estate	'	'	'	'	'
Impaired loans with no related allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	15,825	'	15,825	'	21,886
Recorded Investment	14,848	'	14,848	'	20,953
Average Recorded Investment	17,236	22,676	18,475	19,881	'
Interest Income Recognized	150	561	290	827	'
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	18,877	'	18,877	'	27,080
Recorded Investment	18,839	'	18,839	'	27,078
Allowance for Loan Losses Allocated	1,356	'	1,356	'	1,835
Average Recorded Investment	19,078	24,655	21,744	25,204	'
Interest Income Recognized	207	497	374	768	'
Total impaired loans	'	'	'	'	'
Allowance for Loan Losses Allocated	1,356	'	1,356	'	1,835
Construction & Land Development	'	'	'	'	'
Impaired loans with no related allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	2,081	'	2,081	'	2,087
Recorded Investment	2,081	'	2,081	'	2,087
Average Recorded Investment	2,081	2,292	2,083	2,223	'
Interest Income Recognized	1	67	2	90	'
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	503	'	503	'	674
Recorded Investment	503	'	503	'	674
Allowance for Loan Losses Allocated	256	'	256	'	156
Average Recorded Investment	508	2,759	563	2,900	'
Interest Income Recognized	6	49	11	73	'
Total impaired loans	'	'	'	'	'
Allowance for Loan Losses Allocated	256	'	256	'	156
Commercial & Industrial	'	'	'	'	'
Impaired loans with no related allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	4,201	'	4,201	'	4,367
Recorded Investment	4,153	'	4,153	'	4,258
Average Recorded Investment	4,181	3,295	4,206	3,568	'
Interest Income Recognized	61	62	121	94	'
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	1,383	'	1,383	'	1,872
Recorded Investment	1,383	'	1,383	'	1,872
Allowance for Loan Losses Allocated	317	'	317	'	428
Average Recorded Investment	1,540	2,931	1,651	2,906	'
Interest Income Recognized	58	81	60	124	'
Total impaired loans	'	'	'	'	'
Allowance for Loan Losses Allocated	317	'	317	'	428
Home equity	'	'	'	'	'
Impaired loans with no related allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	2,008	'	2,008	'	1,695
Recorded Investment	1,867	'	1,867	'	1,577
Average Recorded Investment	1,903	2,313	1,794	2,057	'
Interest Income Recognized	11	35	21	51	'
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	382	'	382	'	688
Recorded Investment	379	'	379	'	687
Allowance for Loan Losses Allocated	180	'	180	'	203
Average Recorded Investment	586	1,141	620	1,385	'
Interest Income Recognized	'	7	'	11	'
Total impaired loans	'	'	'	'	'
Allowance for Loan Losses Allocated	180	'	180	'	203
Consumer: Other consumer	'	'	'	'	'
Impaired loans with no related allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	'	'	'	'	18
Recorded Investment	'	'	'	'	18
Average Recorded Investment	'	248	6	294	'
Interest Income Recognized	'	2	'	2	'
Impaired loans with allowance recorded:	'	'	'	'	'
Unpaid Principal Balance	66	'	66	'	79
Recorded Investment	66	'	66	'	79
Allowance for Loan Losses Allocated	41	'	41	'	44
Average Recorded Investment	79	78	79	80	'
Interest Income Recognized	'	1	1	1	'
Total impaired loans	'	'	'	'	'
Allowance for Loan Losses Allocated	$41	'	$41	'	$44

Recovered_Sheet4

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 12) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	$69,592	$73,972
Residential Real Estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	40,077	37,219
Commercial real estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	22,672	29,527
Construction & Land Development	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	2,690	2,705
Commercial & Industrial	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	4,153	4,521
Loans on non-accrual status	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	13,133	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	6,205	5,514
Loans on non-accrual status | Commercial real estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	4,807	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	131	143
Accrual Loans	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	56,459	60,732
Accrual Loans | Residential Real Estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	33,872	31,705
Accrual Loans | Commercial real estate	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	17,865	22,041
Accrual Loans | Construction & Land Development	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	700	2,608
Accrual Loans | Commercial & Industrial	'	'
Troubled Debt Restructurings disclosures	'	'
Troubled Debt Restructurings	$4,022	$4,378

Recovered_Sheet5

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 13) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	$69,592,000	'	$69,592,000	'	$73,972,000
Loans modified by troubled debt restructurings during the period	1,633,000	2,708,000	9,307,000	15,824,000	'
Specific reserve allocations made to customers	4,000,000	'	4,000,000	'	5,000,000
Specific reserve allocations made to customers whose loan terms were modified in TDRs during period	54,000	506,000	142,000	869,000	'
Residential Real Estate	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	40,077,000	'	40,077,000	'	37,219,000
Loans modified by troubled debt restructurings during the period	1,190,000	2,205,000	5,771,000	7,344,000	'
Residential Real Estate | Interest only payments	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	862,000	'	862,000	'	1,101,000
Loans modified by troubled debt restructurings during the period	'	'	'	64,000	'
Residential Real Estate | Rate reduction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	32,586,000	'	32,586,000	'	30,997,000
Loans modified by troubled debt restructurings during the period	545,000	859,000	2,512,000	2,399,000	'
Residential Real Estate | Principal deferral	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	1,739,000	'	1,739,000	'	2,472,000
Loans modified by troubled debt restructurings during the period	390,000	192,000	390,000	753,000	'
Residential Real Estate | Bankrupt customer	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	2,331,000	'	2,331,000	'	2,649,000
Loans modified by troubled debt restructurings during the period	26,000	1,154,000	310,000	4,128,000	'
Residential Real Estate | Deceased customer	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	2,559,000	'	2,559,000	'	'
Loans modified by troubled debt restructurings during the period	229,000	'	2,559,000	'	'
Commercial Real Estate and Commercial Construction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	29,515,000	'	29,515,000	'	36,753,000
Loans modified by troubled debt restructurings during the period	443,000	503,000	3,536,000	8,480,000	'
Commercial Real Estate and Commercial Construction | Interest only payments	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	4,896,000	'	4,896,000	'	7,407,000
Loans modified by troubled debt restructurings during the period	443,000	94,000	443,000	141,000	'
Commercial Real Estate and Commercial Construction | Rate reduction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	13,798,000	'	13,798,000	'	14,621,000
Loans modified by troubled debt restructurings during the period	'	'	1,103,000	'	'
Commercial Real Estate and Commercial Construction | Principal deferral	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	10,606,000	'	10,606,000	'	14,334,000
Loans modified by troubled debt restructurings during the period	'	409,000	1,990,000	8,339,000	'
Commercial Real Estate and Commercial Construction | Bankrupt customer	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	215,000	'	215,000	'	391,000
Performing Financing Receivable	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	55,617,000	'	55,617,000	'	58,548,000
Loans modified by troubled debt restructurings during the period	714,000	1,557,000	3,594,000	13,647,000	'
Percentage of troubled debt restructurings performing as per terms of modifications during the period.	80.00%	'	80.00%	'	79.00%
Percentage of Bank's TDRs that occurred during period, which were performing according to their modified terms	44.00%	57.00%	39.00%	86.00%	'
Performing Financing Receivable | Residential Real Estate	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	33,472,000	'	33,472,000	'	29,521,000
Loans modified by troubled debt restructurings during the period	714,000	1,054,000	3,594,000	5,167,000	'
Performing Financing Receivable | Residential Real Estate | Interest only payments	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	697,000	'	697,000	'	430,000
Loans modified by troubled debt restructurings during the period	'	'	'	64,000	'
Performing Financing Receivable | Residential Real Estate | Rate reduction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	28,287,000	'	28,287,000	'	26,004,000
Loans modified by troubled debt restructurings during the period	194,000	741,000	1,042,000	1,758,000	'
Performing Financing Receivable | Residential Real Estate | Principal deferral	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	1,327,000	'	1,327,000	'	1,840,000
Loans modified by troubled debt restructurings during the period	360,000	165,000	360,000	460,000	'
Performing Financing Receivable | Residential Real Estate | Bankrupt customer	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	995,000	'	995,000	'	1,247,000
Loans modified by troubled debt restructurings during the period	26,000	148,000	26,000	2,885,000	'
Performing Financing Receivable | Residential Real Estate | Deceased customer	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	2,166,000	'	2,166,000	'	'
Loans modified by troubled debt restructurings during the period	134,000	'	2,166,000	'	'
Performing Financing Receivable | Commercial Real Estate and Commercial Construction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	22,145,000	'	22,145,000	'	29,027,000
Loans modified by troubled debt restructurings during the period	'	503,000	'	8,480,000	'
Performing Financing Receivable | Commercial Real Estate and Commercial Construction | Interest only payments	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	3,750,000	'	3,750,000	'	6,086,000
Loans modified by troubled debt restructurings during the period	'	94,000	'	141,000	'
Performing Financing Receivable | Commercial Real Estate and Commercial Construction | Rate reduction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	12,216,000	'	12,216,000	'	13,958,000
Performing Financing Receivable | Commercial Real Estate and Commercial Construction | Principal deferral	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	6,179,000	'	6,179,000	'	8,983,000
Loans modified by troubled debt restructurings during the period	'	409,000	'	8,339,000	'
Nonperforming Financing Receivable	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	13,975,000	'	13,975,000	'	15,424,000
Loans modified by troubled debt restructurings during the period	919,000	1,151,000	5,713,000	2,177,000	'
Nonperforming Financing Receivable | Residential Real Estate	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	6,605,000	'	6,605,000	'	7,698,000
Loans modified by troubled debt restructurings during the period	476,000	1,151,000	2,177,000	2,177,000	'
Nonperforming Financing Receivable | Residential Real Estate | Interest only payments	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	165,000	'	165,000	'	671,000
Nonperforming Financing Receivable | Residential Real Estate | Rate reduction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	4,299,000	'	4,299,000	'	4,993,000
Loans modified by troubled debt restructurings during the period	351,000	118,000	1,470,000	641,000	'
Nonperforming Financing Receivable | Residential Real Estate | Principal deferral	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	412,000	'	412,000	'	632,000
Loans modified by troubled debt restructurings during the period	30,000	27,000	30,000	293,000	'
Nonperforming Financing Receivable | Residential Real Estate | Bankrupt customer	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	1,336,000	'	1,336,000	'	1,402,000
Loans modified by troubled debt restructurings during the period	'	1,006,000	284,000	1,243,000	'
Nonperforming Financing Receivable | Residential Real Estate | Deceased customer	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	393,000	'	393,000	'	'
Loans modified by troubled debt restructurings during the period	95,000	'	393,000	'	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	7,370,000	'	7,370,000	'	7,726,000
Loans modified by troubled debt restructurings during the period	443,000	'	3,536,000	'	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction | Interest only payments	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	1,146,000	'	1,146,000	'	1,321,000
Loans modified by troubled debt restructurings during the period	443,000	'	443,000	'	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction | Rate reduction	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	1,582,000	'	1,582,000	'	663,000
Loans modified by troubled debt restructurings during the period	'	'	1,103,000	'	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction | Principal deferral	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	4,427,000	'	4,427,000	'	5,351,000
Loans modified by troubled debt restructurings during the period	'	'	1,990,000	'	'
Nonperforming Financing Receivable | Commercial Real Estate and Commercial Construction | Bankrupt customer	'	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'	'
Troubled Debt Restructurings	$215,000	'	$215,000	'	$391,000

Recovered_Sheet6

LOANS AND ALLOWANCE FOR LOAN LOSSES (Details 14) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
	item	item	item	item
Troubled Debt Restructurings disclosures	'	'	'	'
Number of Loans	4	25	9	36
Recorded Investment	$592	$3,700	$4,265	$4,362
Residential Real Estate - Owner Occupied - bank originated	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'
Number of Loans	3	20	6	30
Recorded Investment	149	2,712	1,219	3,367
Construction & Land Development	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'
Number of Loans	'	'	1	'
Recorded Investment	'	'	1,500	'
Commercial real estate	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'
Number of Loans	1	1	2	1
Recorded Investment	443	302	1,546	302
Home equity	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'
Number of Loans	'	2	'	3
Recorded Investment	'	358	'	365
Other Consumer	'	'	'	'
Troubled Debt Restructurings disclosures	'	'	'	'
Number of Loans	'	2	'	2
Recorded Investment	'	$328	'	$328

DEPOSITS_Details

DEPOSITS (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Deposit Liabilities	'	'
Demand	$653,814	$651,134
Savings	86,508	78,020
Total interest-bearing deposits	1,485,332	1,502,215
Total non interest-bearing deposits	519,651	488,642
Total deposits	2,004,983	1,990,857
Brokered Deposits	'	'
Deposit Liabilities	'	'
Money market accounts	37,016	35,533
Certificates of deposit	68,833	86,421
Individual Deposits	'	'
Deposit Liabilities	'	'
Money market accounts	469,544	479,569
Individual retirement accounts	27,404	28,767
Time deposits, $100,000 and over	73,616	67,255
Other certificates of deposit	$68,597	$75,516

FEDERAL_HOME_LOAN_BANK_FHLB_AD2

FEDERAL HOME LOAN BANK (FHLB) ADVANCES (Details) (USD $)

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Fixed interest rate advances with a weighted average interest rate of 1.89% due through 2023

Fixed interest rate advances with a weighted average interest rate of 1.89% due through 2023

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

Overnight advance with an interest rate of 0.11% due on July 1, 2014

Variable interest rate advance indexed to 3-Month LIBOR plus 0.14% due on December 19, 2014

Variable interest rate advance indexed to 3-Month LIBOR plus 0.14% due on December 19, 2014

Variable interest rate advance indexed to 3-Month LIBOR plus 0.14% due on December 19, 2014

Minimum

Maximum

3-Month LIBOR

FHLB advances

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Total FHLB advances

$640,000,000

$605,000,000

$437,000,000

$495,000,000

$100,000,000

$100,000,000

'

'

'

'

$93,000,000

$10,000,000

$10,000,000

'

Interest rate (as percent)

'

'

'

'

'

'

'

'

'

'

0.11%

'

'

'

Variable interest rate basis

'

'

'

'

'

'

'

'

'

'

'

'

'

'3-Month LIBOR

Applicable margin (as a percent)

'

'

'

'

'

'

'

'

'

'

'

'

'

0.14%

Weighted average interest rate (as percent)

2.00%

'

1.89%

1.89%

4.39%

4.39%

'

'

'

'

'

'

'

'

Original fixed rate periods

'

'

'

'

'

'

'1 year

'5 years

'

'

'

'

'

'

Original maturities

'

'

'

'

'

'

'3 years

'10 years

'

'

'

'

'

'

Additional collateralized advances available

277,000,000

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 $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
FEDERAL HOME LOAN BANK ("FHLB") ADVANCES	'	'
2014	$198,000	'
2015	10,000	'
2016	82,000	'
2017	145,000	'
2018	97,500	'
Thereafter	107,500	'
Total	$640,000	$605,000
Weighted Average Rate	'	'
2014	1.38%	'
2015	2.48%	'
2016	1.74%	'
2017	3.44%	'
2018	1.50%	'
Thereafter	1.80%	'
Total	2.00%	'

FEDERAL_HOME_LOAN_BANK_FHLB_AD4

FEDERAL HOME LOAN BANK (FHLB) ADVANCES (Details 3) (USD $)	Jun. 30, 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	$1,121,784	$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	101,438	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	$14,379	$13,124

FAIR_VALUE_Details

FAIR VALUE (Details) (USD $)

3 Months Ended

6 Months Ended

Jun. 30, 2014

Jun. 30, 2013

Jun. 30, 2014

Jun. 30, 2013

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2008

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Jun. 30, 2014

Dec. 31, 2013

Jun. 30, 2014

Dec. 31, 2013

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

Freddie Mac preferred stock

Freddie Mac preferred stock

Mutual fund

Mutual fund

Corporate bonds

Corporate bonds

Fair Value, Inputs, Level 1

Fair Value, Inputs, Level 1

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 3

Fair Value, Inputs, Level 3

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Recurring basis

Fair Value, Inputs, Level 1

Fair Value, Inputs, Level 1

Fair Value, Inputs, Level 1

Fair Value, Inputs, Level 1

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 2

Fair Value, Inputs, Level 3

Fair Value, Inputs, Level 3

Fair Value, Inputs, Level 3

Fair Value, Inputs, Level 3

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Total Fair Value

Mutual fund

Mutual fund

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

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

Mortgage backed securities - residential

Mortgage backed securities - residential

Collateralized mortgage obligations

Collateralized mortgage obligations

Freddie Mac preferred stock

Corporate bonds

Corporate bonds

Private label mortgage backed security

Private label mortgage backed security

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

Freddie Mac preferred stock

Mutual fund

Mutual fund

Corporate bonds

Corporate bonds

Financial assets:

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Securities available for sale

$463,646,000

'

$463,646,000

'

$432,893,000

$145,444,000

$97,465,000

$5,461,000

$5,485,000

$136,418,000

$150,087,000

$159,533,000

$163,946,000

$718,000

$0

$1,011,000

$995,000

$15,061,000

$14,915,000

$1,011,000

$995,000

$457,174,000

$426,413,000

$5,461,000

$5,485,000

$1,011,000

$995,000

$1,011,000

$995,000

$457,174,000

$426,413,000

$145,444,000

$97,465,000

$136,418,000

$150,087,000

$159,533,000

$163,946,000

$718,000

$15,061,000

$14,915,000

$5,461,000

$5,485,000

$5,461,000

$5,485,000

$463,646,000

$432,893,000

$145,444,000

$97,465,000

$5,461,000

$5,485,000

$136,418,000

$150,087,000

$159,533,000

$163,946,000

$718,000

$1,011,000

$995,000

$15,061,000

$14,915,000

Mortgage loans held for sale

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

6,809,000

3,506,000

'

'

'

'

'

'

'

'

'

'

'

'

'

6,809,000

3,506,000

'

'

'

'

'

'

'

'

'

'

'

'

'

Rate lock loan commitments

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

256,000

77,000

'

'

'

'

'

'

'

'

'

'

'

'

'

256,000

77,000

'

'

'

'

'

'

'

'

'

'

'

'

'

Mandatory forward contracts

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

12,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

12,000

'

'

'

'

'

'

'

'

'

'

'

'

'

Interest rate swap agreements

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

170,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

170,000

'

'

'

'

'

'

'

'

'

'

'

'

'

Financial Liabilities:

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Mandatory forward contracts

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

42,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

42,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Interest rate swap agreements

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

335,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

335,000

'

'

'

'

'

'

'

'

'

'

'

'

'

'

Transfers between Level 1, 2 or 3

$0

$0

$0

$0

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

'

FAIR_VALUE_Details_2

FAIR VALUE (Details 2) (Private label mortgage backed security, USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Private label mortgage backed security	'	'	'	'
Assets measured on recurring basis, unobservable input reconciliation	'	'	'	'
Balance, beginning of year	$5,270	$5,688	$5,485	$5,687
Net change in unrealized gain	315	238	369	422
Recovery of actual losses previously recorded	34	'	66	'
Principal paydowns	-158	-285	-459	-468
Balance, end of year	$5,461	$5,641	$5,461	$5,641

FAIR_VALUE_Details_3

FAIR VALUE (Details 3) (Private label mortgage backed security, Fair Value, Measurements, Recurring, Fair Value, Inputs, Level 3, USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Fair value inputs quantitative information	'	'
Mortgage backed security fair value	5,461	5,485
Discounted cash flow | Minimum	'	'
Fair value inputs quantitative information	'	'
Constant prepayment rate (as a percent)	2.00%	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)	7.00%	7.00%
Loss severity (as a percent)	70.00%	75.00%

FAIR_VALUE_Details_4

FAIR VALUE (Details 4) (Nonrecurring basis, USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	$7,914	$8,538
Other real estate owned	6,672	8,418
Residential Real Estate	'	'
Fair Value Disclosures	'	'
Other real estate owned	918	1,716
Residential Real Estate - Owner Occupied - bank originated	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	1,597	2,020
Residential Real Estate - Non Owner Occupied - bank originated	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	113	'
Commercial real estate	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	5,039	5,488
Other real estate owned	1,515	507
Construction & Land Development	'	'
Fair Value Disclosures	'	'
Other real estate owned	4,239	6,195
Home equity	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	1,165	1,030
Fair Value, Inputs, Level 3	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	7,914	8,538
Other real estate owned	6,672	8,418
Fair Value, Inputs, Level 3 | Residential Real Estate	'	'
Fair Value Disclosures	'	'
Other real estate owned	918	1,716
Fair Value, Inputs, Level 3 | Residential Real Estate - Owner Occupied - bank originated	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	1,597	2,020
Fair Value, Inputs, Level 3 | Residential Real Estate - Non Owner Occupied - bank originated	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	113	'
Fair Value, Inputs, Level 3 | Commercial real estate	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	5,039	5,488
Other real estate owned	1,515	507
Fair Value, Inputs, Level 3 | Construction & Land Development	'	'
Fair Value Disclosures	'	'
Other real estate owned	4,239	6,195
Fair Value, Inputs, Level 3 | Home equity	'	'
Fair Value Disclosures	'	'
Impaired loan on non-recurring basis	$1,165	$1,030

FAIR_VALUE_Details_5

FAIR VALUE (Details 5) (Level 3, Fair Value, Measurements, Nonrecurring, USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Commercial Real Estate | Income approach	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	3.00%	'
Commercial Real Estate | Income approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	3.00%	'
Impaired Loans | Commercial Real Estate | Sale comparison approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	4,796	5,488
Impaired Loans | Commercial Real Estate | Sale comparison approach | Minimum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	0.00%	0.00%
Impaired Loans | Commercial Real Estate | Sale comparison approach | Maximum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	13.00%	30.00%
Impaired Loans | Commercial Real Estate | Sale comparison approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	7.00%	19.00%
Impaired Loans | Commercial Real Estate | Income approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	243	'
Impaired Loans | Residential Real Estate | Sale comparison approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	'	2,020
Impaired Loans | Residential Real Estate | Sale comparison approach | Minimum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	'	2.00%
Impaired Loans | Residential Real Estate | Sale comparison approach | Maximum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	'	22.00%
Impaired Loans | Residential Real Estate | Sale comparison approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	'	7.00%
Impaired Loans | Residential Real Estate - Owner Occupied - bank originated | Sale comparison approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	1,597	'
Impaired Loans | Residential Real Estate - Owner Occupied - bank originated | Sale comparison approach | Minimum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	0.00%	'
Impaired Loans | Residential Real Estate - Owner Occupied - bank originated | Sale comparison approach | Maximum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	33.00%	'
Impaired Loans | Residential Real Estate - Owner Occupied - bank originated | Sale comparison approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	7.00%	'
Impaired Loans | Residential Real Estate - Non Owner Occupied - bank originated | Sale comparison approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	113	'
Impaired Loans | Residential Real Estate - Non Owner Occupied - bank originated | Sale comparison approach | Minimum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	0.00%	'
Impaired Loans | Residential Real Estate - Non Owner Occupied - bank originated | Sale comparison approach | Maximum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	10.00%	'
Impaired Loans | Residential Real Estate - Non Owner Occupied - bank originated | Sale comparison approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	1.00%	'
Impaired Loans | Home equity | Sale comparison approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	1,165	1,030
Impaired Loans | Home equity | Sale comparison approach | Minimum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	0.00%	0.00%
Impaired Loans | Home equity | Sale comparison approach | Maximum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	35.00%	10.00%
Impaired Loans | Home equity | Sale comparison approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	7.00%	2.00%
Other Real Estate Owned | Commercial real estate | Sale comparison approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	1,515	507
Adjustments determined by management for differences (as a percent)	28.00%	'
Other Real Estate Owned | Commercial real estate | Sale comparison approach | Minimum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	'	23.00%
Other Real Estate Owned | Commercial real estate | Sale comparison approach | Maximum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	'	33.00%
Other Real Estate Owned | Commercial real estate | Sale comparison approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	28.00%	29.00%
Other Real Estate Owned | Construction & Land Development | Sale comparison approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	1,332	2,236
Other Real Estate Owned | Construction & Land Development | Sale comparison approach | Minimum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	15.00%	17.00%
Other Real Estate Owned | Construction & Land Development | Sale comparison approach | Maximum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	19.00%	58.00%
Other Real Estate Owned | Construction & Land Development | Sale comparison approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	16.00%	43.00%
Other Real Estate Owned | Construction & Land Development | Income approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	2,907	3,959
Adjustments determined by management for differences (as a percent)	24.00%	21.00%
Other Real Estate Owned | Construction & Land Development | Income approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	24.00%	21.00%
Other Real Estate Owned | Residential Real Estate | Sale comparison approach	'	'
Mortgage Servicing Rights	'	'
Fair Value	918	1,716
Adjustments determined by management for differences (as a percent)	13.00%	'
Other Real Estate Owned | Residential Real Estate | Sale comparison approach | Minimum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	'	10.00%
Other Real Estate Owned | Residential Real Estate | Sale comparison approach | Maximum	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	'	53.00%
Other Real Estate Owned | Residential Real Estate | Sale comparison approach | Weighted Average	'	'
Mortgage Servicing Rights	'	'
Adjustments determined by management for differences (as a percent)	13.00%	30.00%

FAIR_VALUE_Details_6

FAIR VALUE (Details 6) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Impaired loans	'	'
Carrying amount of loans measured at fair value	$61,605	$71,273
Nonrecurring basis	'	'
Impaired loans	'	'
Total fair value	7,914	8,538
Fair Value, Inputs, Level 3 | Nonrecurring basis	'	'
Impaired loans	'	'
Carrying amount of loans measured at fair value	7,073	7,629
Estimated selling costs considered in carrying amount	841	909
Total fair value	$7,914	$8,538

FAIR_VALUE_Details_7

FAIR VALUE (Details 7) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
Real Estate, Write-down or Reserve	'	'	'	'	'
Carrying value of other real estate owned	$11,613	'	$11,613	'	$17,102
Other real estate owned writedowns	'	'	1,217	884	'
Other Real Estate Owned	'	'	'	'	'
Real Estate, Write-down or Reserve	'	'	'	'	'
Carrying value of other real estate owned	11,613	'	11,613	'	17,102
Other real estate owned writedowns	$333	$518	$1,217	$884	'

FAIR_VALUE_Details_8

FAIR VALUE (Details 8) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Mortgage servicing rights fair value disclosures	'	'	'	'
Credit to mortgage banking income due to impairment evaluation	'	($160)	'	($312)
Mortgage Servicing Rights | Nonrecurring basis	'	'	'	'
Mortgage servicing rights fair value disclosures	'	'	'	'
Credit to mortgage banking income due to impairment evaluation	$0	($160)	$0	($312)

FAIR_VALUE_Details_9

FAIR VALUE (Details 9) (USD $)	3 Months Ended		6 Months Ended				3 Months Ended		6 Months Ended		12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013	Dec. 31, 2012	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
							Mortgage Loans Held for Sale	Mortgage Loans Held for Sale	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	$6,809	$24,174	$6,809	$24,174	$3,506	$10,614	$6,809	'	$6,809	'	$3,506
Contractual balance	'	'	'	'	'	'	6,596	'	6,596	'	3,417
Gain	'	'	1,166	5,408	'	'	'	'	213	'	89
Interest income	27,550	28,767	54,854	57,897	'	'	49	145	95	258	'
Change in fair value	'	'	'	'	'	'	159	-247	124	-113	'
Total included in earnings	'	'	'	'	'	'	$208	($102)	$219	$145	'

FAIR_VALUE_Details_10

FAIR VALUE (Details 10) (USD $)	Jun. 30, 2014	Dec. 31, 2013
Assets:	'	'
Securities available for sale	$463,646,000	$432,893,000
Securities to be held to maturity	48,594,000	50,768,000
Fair Value, Inputs, Level 1	'	'
Assets:	'	'
Cash and cash equivalents	84,273,000	170,863,000
Securities available for sale	1,011,000	995,000
Fair Value, Inputs, Level 2	'	'
Assets:	'	'
Securities available for sale	457,174,000	426,413,000
Securities to be held to maturity	48,594,000	50,768,000
Mortgage loans held for sale, at fair value	6,809,000	3,506,000
Mortgage servicing rights	6,985,000	7,337,000
Accrued interest receivable	8,083,000	8,272,000
Liabilities:	'	'
Securities sold under agreements to repurchase and other short-term borrowings	197,439,000	165,555,000
Federal Home Loan Bank advances	655,116,000	618,064,000
Subordinated note	38,062,000	38,020,000
Accrued interest payable	1,261,000	1,459,000
Fair Value, Inputs, Level 2 | Non Interest Bearing Deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	519,651,000	488,642,000
Fair Value, Inputs, Level 2 | Transaction deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	1,246,882,000	1,244,256,000
Fair Value, Inputs, Level 2 | Time deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	239,407,000	259,345,000
Fair Value, Inputs, Level 3	'	'
Assets:	'	'
Securities available for sale	5,461,000	5,485,000
Loans, net	2,742,302,000	2,585,476,000
Carrying Value	'	'
Assets:	'	'
Cash and cash equivalents	84,273,000	170,863,000
Securities available for sale	463,646,000	432,893,000
Securities to be held to maturity	48,338,000	50,644,000
Mortgage loans held for sale, at fair value	6,809,000	3,506,000
Loans, net	2,702,245,000	2,566,766,000
Federal Home Loan Bank stock	28,208,000	28,342,000
Mortgage servicing rights	5,009,000	5,409,000
Accrued interest receivable	8,083,000	8,272,000
Liabilities:	'	'
Securities sold under agreements to repurchase and other short-term borrowings	197,439,000	165,555,000
Federal Home Loan Bank advances	640,000,000	605,000,000
Subordinated note	41,240,000	41,240,000
Accrued interest payable	1,261,000	1,459,000
Carrying Value | Non Interest Bearing Deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	519,651,000	488,642,000
Carrying Value | Transaction deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	1,246,882,000	1,244,256,000
Carrying Value | Time deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	238,450,000	257,959,000
Total Fair Value	'	'
Assets:	'	'
Cash and cash equivalents	84,273,000	170,863,000
Securities available for sale	463,646,000	432,893,000
Securities to be held to maturity	48,594,000	50,768,000
Mortgage loans held for sale, at fair value	6,809,000	3,506,000
Loans, net	2,742,302,000	2,585,476,000
Mortgage servicing rights	6,985,000	7,337,000
Accrued interest receivable	8,083,000	8,272,000
Liabilities:	'	'
Securities sold under agreements to repurchase and other short-term borrowings	197,439,000	165,555,000
Federal Home Loan Bank advances	655,116,000	618,064,000
Subordinated note	38,062,000	38,020,000
Accrued interest payable	1,261,000	1,459,000
Total Fair Value | Non Interest Bearing Deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	519,651,000	488,642,000
Total Fair Value | Transaction deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	1,246,882,000	1,244,256,000
Total Fair Value | Time deposits	'	'
Liabilities:	'	'
Deposit liabilities, fair value	$239,407,000	$259,345,000

MORTGAGE_BANKING_ACTIVITIES_De

MORTGAGE BANKING ACTIVITIES (Details) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013
MORTGAGE BANKING ACTIVITIES	'	'
Balance, beginning of year	$3,506	$10,614
Origination of mortgage loans held for sale	33,284	208,094
Proceeds from the sale of mortgage loans held for sale	-31,147	-199,942
Net gain on sale of mortgage loans held for sale	1,166	5,408
Balance, end of year	$6,809	$24,174

MORTGAGE_BANKING_ACTIVITIES_De1

MORTGAGE BANKING ACTIVITIES (Details 2) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Mortgage servicing rights	'	'	'	'
Net gain realized on sale of mortgage loans held for sale	$460	$3,439	$918	$5,677
Net gain recognized	668	2,124	1,166	5,408
Loan servicing income	492	546	794	1,092
Amortization of mortgage servicing rights	-348	-650	-662	-1,358
Change in mortgage servicing rights valuation allowance	'	160	'	312
Net servicing income recognized	144	56	132	46
Total Mortgage Banking income	812	2,180	1,298	5,454
Net change in fair value recognized on loans held for sale	'	'	'	'
Mortgage servicing rights	'	'	'	'
Net change in fair value	159	-247	124	-113
Net change in fair value recognized on rate lock commitments	'	'	'	'
Mortgage servicing rights	'	'	'	'
Net change in fair value	99	-1,521	179	-388
Net change in fair value recognized on forward contracts	'	'	'	'
Mortgage servicing rights	'	'	'	'
Net change in fair value	($50)	$453	($55)	$232

MORTGAGE_BANKING_ACTIVITIES_De2

MORTGAGE BANKING ACTIVITIES (Details 3) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
MORTGAGE BANKING ACTIVITIES	'	'	'	'
Balance, beginning of year	'	'	$5,409	$4,777
Additions	'	'	262	1,574
Amortized to expense	-348	-650	-662	-1,358
Change in valuation allowance	'	'	'	312
Balance, end of year	$5,009	$5,305	$5,009	$5,305

MORTGAGE_BANKING_ACTIVITIES_De3

MORTGAGE BANKING ACTIVITIES (Details 4) (USD $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013
Activity for the valuation allowance for capitalized mortgage servicing rights	'	'
Balance, beginning of year	$0	($345)
Additions	0	'
Reductions credited to operations	0	312
Balance, end of year	$0	($33)

MORTGAGE_BANKING_ACTIVITIES_De4

MORTGAGE BANKING ACTIVITIES (Details 5) (USD $)	6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013
Mortgage Servicing Rights	'	'
Fair value of mortgage servicing rights portfolio	$6,985	$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	'5 years 11 months 26 days	'6 years 2 months 1 day
Minimum	'	'
Mortgage Servicing Rights	'	'
Prepayment speed range (as percent)	100.00%	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 $)	6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 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	$8,051	$9,964
Fair Value, Assets	256	89
Mortgage Loans Held for Sale	'	'
Notional amounts and fair values of mortgage banking derivatives	'	'
Notional Amount, Assets	6,596	3,417
Fair Value, Assets	6,809	3,506
Rate lock loan commitments	'	'
Notional amounts and fair values of mortgage banking derivatives	'	'
Notional Amount, Assets	8,051	4,393
Fair Value, Assets	256	77
Mandatory forward contracts	'	'
Notional amounts and fair values of mortgage banking derivatives	'	'
Notional Amount, Assets	'	5,571
Fair Value, Assets	'	12
Notional Amount, Liabilities	11,288	'
Fair Value, Liabilities	$42	'

INTEREST_RATE_SWAPS_Details

INTEREST RATE SWAPS (Details) (USD $)	3 Months Ended		6 Months Ended	12 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Dec. 31, 2013	Jun. 30, 2014	Dec. 31, 2013
		item		item
Summary information about the MMDA Swap designated as a cash flow hedge	'	'	'	'
Fair value of security pledged as collateral	$249,659	$224,989	$249,659	$224,989
Cash flow hedges included in the consolidated balance sheet	'	'	'	'
Notional amount included in other assets	8,051	9,964	8,051	9,964
Fair value included in other assets	256	89	256	89
Interest rate swap | Cash flow hedge	'	'	'	'
Notional amounts and fair values of mortgage banking derivatives	'	'	'	'
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	20,000
Weighted average pay rate (as a percent)	2.25%	2.25%	2.25%	2.25%
Weighted average receive rate (as a percent)	0.19%	0.21%	0.19%	0.21%
Weighted average remaining maturity in years	'	'	'6 years	'7 years
Unrealized gain (loss)	'	'	-335	170
Fair value of security pledged as collateral	342	'	342	'
Interest expense on deposits related to money market swap transaction	51	'	100	'
Interest expense on FHLB Advances related to FHLB swap transaction	48	'	99	'
Total interest expense on swap transaction	99	'	199	'
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)	-173	'	-329	'
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	'	20,000	'
Fair value included in other liabilities	$335	'	$335	'

OFF_BALANCE_SHEET_RISKS_COMMIT2

OFF BALANCE SHEET RISKS, COMMITMENTS AND CONTINGENT LIABILITIES (Details) (USD $)	Jun. 30, 2014	Dec. 31, 2013
In Thousands, unless otherwise specified
Commitments and letters of credit	'	'
Loan commitment, line credit	$686,429	$623,069
Unused warehouse lines of credit	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	150,368	208,424
Unused home equity lines of credit	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	233,511	230,361
Unused loan commitments - other	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	235,465	178,776
Commitments to purchase loans	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	50,578	'
Standby letters of credit	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	12,757	2,308
FHLB letters of credit	'	'
Commitments and letters of credit	'	'
Loan commitment, line credit	$3,750	$3,200

EARNINGS_PER_SHARE_Details

EARNINGS PER SHARE (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, except Per Share data, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
EARNINGS PER SHARE	'	'	'	'
Net income	$6,322	$6,119	$18,306	$19,475
Weighted average shares outstanding	20,793	20,782	20,795	20,823
Effect of dilutive securities (in shares)	95	76	96	72
Average shares outstanding including dilutive securities	20,888	20,858	20,891	20,895
Diluted earnings per share:	'	'	'	'
Antidilutive stock options (in shares)	15,500	122,450	15,500	128,450
Average antidilutive stock options (in shares)	15,500	119,118	15,500	123,782
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	$0.31	$0.30	$0.88	$0.94
Diluted earnings per share:	'	'	'	'
Diluted earnings per share	$0.30	$0.30	$0.88	$0.94
Class B Common Stock	'	'	'	'
Basic earnings per share:	'	'	'	'
Basic earnings per share	$0.29	$0.28	$0.85	$0.91
Diluted earnings per share:	'	'	'	'
Diluted earnings per share	$0.29	$0.28	$0.85	$0.90

SEGMENT_INFORMATION_Details

SEGMENT INFORMATION (Details) (USD $)	3 Months Ended		6 Months Ended
In Thousands, unless otherwise specified	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013	Dec. 31, 2013
			segment
SEGMENT INFORMATION	'	'	'	'	'
Number of operating segments	'	'	3	'	'
SEGMENT INFORMATION	'	'	'	'	'
Net interest income	$27,550	$28,767	$54,854	$57,897	'
Provision for loan losses	693	905	-10	280	'
Net refund transfer fees	1,836	1,683	16,224	13,697	'
Mortgage banking income	812	2,180	1,298	5,454	'
Bargain purchase gain - FCB	'	'	'	1,324	'
Other non interest income	6,864	6,920	13,450	12,833	'
Total non-interest income	9,512	10,783	30,972	33,308	'
Total non interest expenses	26,715	29,699	57,659	61,001	'
INCOME BEFORE INCOME TAX EXPENSE	9,654	8,946	28,177	29,924	'
Income tax expense (benefit)	3,332	2,827	9,871	10,449	'
NET INCOME	6,322	6,119	18,306	19,475	'
Segment end of period total assets	3,465,324	3,317,065	3,465,324	3,317,065	3,371,904
Net interest margin (as percent)	3.35%	3.56%	3.29%	3.56%	'
Traditional Banking	'	'	'	'	'
SEGMENT INFORMATION	'	'	'	'	'
Net interest income	27,441	28,606	54,554	57,567	'
Provision for loan losses	710	1,045	470	1,019	'
Bargain purchase gain - FCB	'	'	'	1,324	'
Other non interest income	6,361	6,660	12,180	12,057	'
Total non-interest income	6,361	6,660	12,180	13,381	'
Total non interest expenses	23,929	25,443	48,536	50,625	'
INCOME BEFORE INCOME TAX EXPENSE	9,163	8,778	17,728	19,304	'
Income tax expense (benefit)	3,210	2,768	5,994	6,732	'
NET INCOME	5,953	6,010	11,734	12,572	'
Segment end of period total assets	3,434,716	3,277,181	3,434,716	3,277,181	'
Net interest margin (as percent)	3.35%	3.57%	3.32%	3.58%	'
Mortgage Banking	'	'	'	'	'
SEGMENT INFORMATION	'	'	'	'	'
Net interest income	49	145	95	258	'
Mortgage banking income	812	2,180	1,298	5,454	'
Other non interest income	71	75	145	83	'
Total non-interest income	883	2,255	1,443	5,537	'
Total non interest expenses	1,013	906	2,223	1,769	'
INCOME BEFORE INCOME TAX EXPENSE	-81	1,494	-685	4,026	'
Income tax expense (benefit)	-29	523	-240	1,409	'
NET INCOME	-52	971	-445	2,617	'
Segment end of period total assets	12,231	29,891	12,231	29,891	'
Republic Processing Group	'	'	'	'	'
SEGMENT INFORMATION	'	'	'	'	'
Net interest income	60	16	205	72	'
Provision for loan losses	-17	-140	-480	-739	'
Net refund transfer fees	1,836	1,683	16,224	13,697	'
Other non interest income	432	185	1,125	693	'
Total non-interest income	2,268	1,868	17,349	14,390	'
Total non interest expenses	1,773	3,350	6,900	8,607	'
INCOME BEFORE INCOME TAX EXPENSE	572	-1,326	11,134	6,594	'
Income tax expense (benefit)	151	-464	4,117	2,308	'
NET INCOME	421	-862	7,017	4,286	'
Segment end of period total assets	$18,377	$9,993	$18,377	$9,993	'

OTHER_COMPREHENSIVE_INCOME_Det

OTHER COMPREHENSIVE INCOME (Details) (USD $)	3 Months Ended		6 Months Ended
	Jun. 30, 2014	Jun. 30, 2013	Jun. 30, 2014	Jun. 30, 2013
Available for Sale Securities:	'	'	'	'
Unrealized gain (loss) on securities available for sale	$2,626,000	($2,566,000)	$2,628,000	($2,965,000)
Change in unrealized gain on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in earnings	315,000	238,000	369,000	422,000
Net unrealized gains (losses)	2,941,000	-2,328,000	2,997,000	-2,543,000
Tax effect	-1,029,000	815,000	-1,049,000	891,000
Net of tax	1,912,000	-1,513,000	1,948,000	-1,652,000
Cash Flow Hedges:	'	'	'	'
Change in fair value of derivatives used for cash flow hedges	-265,000	'	-505,000	'
Net unrealized gains	-265,000	'	-505,000	'
Tax effect	92,000	'	176,000	'
Net of tax	-173,000	'	-329,000	'
Accumulated OCI balances, net of tax	'	'	'	'
Beginning balance	'	'	3,121,000	5,612,000
Current Year Change	1,739,000	-1,513,000	1,619,000	-1,652,000
Ending balance	4,740,000	3,960,000	4,740,000	3,960,000
Unrealized gain on securities available for sale	'	'	'	'
Accumulated OCI balances, net of tax	'	'	'	'
Beginning balance	'	'	2,526,000	5,610,000
Current Year Change	'	'	1,708,000	-1,926,000
Ending balance	4,234,000	3,684,000	4,234,000	3,684,000
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	'	'	484,000	2,000
Current Year Change	'	'	240,000	274,000
Ending balance	724,000	276,000	724,000	276,000
Unrealized gain (loss) on cash flow hedge	'	'	'	'
Accumulated OCI balances, net of tax	'	'	'	'
Beginning balance	'	'	111,000	'
Current Year Change	'	'	-329,000	'
Ending balance	($218,000)	'	($218,000)	'