INCOME TAXES (Tables)

3 Months Ended

Mar. 31, 2016

Summary of Provision for Income Tax Benefit

A summary of the provision for income tax expense is as follows.

	Three Months Ended March 31,
	2016		2015
	(in thousands)
Federal:
Current	$	3,544	$	4,652
Deferred		1,439		259
Federal income tax expense		4,983		4,911
State:
Current		276		731
Deferred		536		69
State income tax expense		812		800

Total income taxes	$	5,795	$	5,711

Components of Effective Federal and State Tax Rates to Income before Provision for Income Tax Benefit

The actual income tax expense differs from the "expected" income tax expense (computed by applying the combined applicable effective federal and state tax rates to income before income tax expense as follows:

	Three Months Ended March 31,
	2016			2015
	(in thousands)
Computed expected tax expense provision, at federal rate	$	5,389		$	5,248
State tax, net of federal tax benefit		534			543
Other		(128	)		(80	)
Total income taxes	$	5,795		$	5,711