ALLOWANCE FOR LOAN LOSSES AND CREDIT QUALITY (Tables)

12 Months Ended

Dec. 31, 2012

Allowance For Loan Losses and Credit Quality [Abstract]

In Allowance For Loan Losses and Recorded Investment In Loans By Portfolio Segment

The following table presents the activity and balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2012:

				Commercial
				Real Estate								Consumer
	Commercial			and Multifamily			Agri-business		Other			1-4 Family			Other
	and Industrial			Residential			and Agricultural		Commercial			Mortgage			Consumer			Unallocated		Total
	(in thousands)
Balance January 1	$	22,830		$	23,489		$	695	$	65		$	2,322		$	645		$	3,354	$	53,400
Provision for loan losses		1,814			(1,772	)		705		(11	)		1,552			258			3		2,549
Loans charged-off		(3,069	)		(1,108	)		0		0			(1,340	)		(405	)		0		(5,922	)
Recoveries		767			203			3		186			148			111			0		1,418
Net loans charged-off		(2,302	)		(905	)		3		186			(1,192	)		(294	)		0		(4,504	)
Balance December 31	$	22,342		$	20,812		$	1,403	$	240		$	2,682		$	609		$	3,357	$	51,445
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	5,542		$	8,559		$	63	$	0		$	607		$	34		$	0	$	14,805
Collectively evaluated for impairment		16,800			12,253			1,340		240			2,075			575			3,357		36,640
Total ending allowance balance	$	22,342		$	20,812		$	1,403	$	240		$	2,682		$	609		$	3,357	$	51,445
Loans:
Loans individually evaluated for impairment	$	18,281		$	36,919		$	797	$	0		$	2,853		$	92		$	0	$	58,942
Loans collectively evaluated for impairment		828,728			763,279			224,008		56,810			280,141			45,612			0		2,198,578
Total ending loans balance	$	847,009		$	800,198		$	224,805	$	56,810		$	282,994		$	45,704		$	0	$	2,257,520

The recorded investment in loans does not include accrued interest.

The following table presents the activity and balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2011:

				Commercial
				Real Estate									Consumer
	Commercial			and Multifamily			Agri-business			Other			1-4 Family			Other
	and Industrial			Residential			and Agricultural			Commercial			Mortgage			Consumer			Unallocated			Total
	(in thousands)
Balance January 1	$	21,479		$	15,893		$	1,318		$	270		$	1,694		$	682		$	3,671		$	45,007
Provision for loan losses		3,112			9,748			(520	)		(205	)		1,632			350			(317	)		13,800
Loans charged-off		(2,587	)		(2,514	)		(103	)		0			(1,050	)		(575	)		0			(6,829	)
Recoveries		826			362			0			0			46			188			0			1,422
Net loans charged-off		(1,761	)		(2,152	)		(103	)		0			(1,004	)		(387	)		0			(5,407	)
Balance December 31	$	22,830		$	23,489		$	695		$	65		$	2,322		$	645		$	3,354		$	53,400
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	9,443		$	8,382		$	213		$	0		$	288		$	0		$	0		$	18,326
Collectively evaluated for impairment		13,387			15,107			482			65			2,034			645			3,354			35,074
Total ending allowance balance	$	22,830		$	23,489		$	695		$	65		$	2,322		$	645		$	3,354		$	53,400
Loans:
Loans individually evaluated for impairment	$	24,204		$	35,794		$	853		$	0		$	2,665		$	0		$	0		$	63,516
Loans collectively evaluated for impairment		727,160			815,883			237,150			58,249			285,791			45,960			0			2,170,193
Total ending loans balance	$	751,364		$	851,677		$	238,003		$	58,249		$	288,456		$	45,960		$	0		$	2,233,709

The recorded investment in loans does not include accrued interest.

The following is an analysis of the allowance for loan losses for 2010:

	2010
	(in thousands)
Balance January 1,	$	32,073
Provision for loan losses		23,947
Loans charged-off		(11,742	)
Recoveries		729
Net loans charged-off		(11,013	)
Balance December 31,	$	45,007

Loans individually evaluated for impairment

The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2012:

											Cash Basis
	Unpaid				Allowance for		Average		Interest		Interest
	Principal		Recorded		Loan Losses		Recorded		Income		Income
	Balance		Investment		Allocated		Investment		Recognized		Recognized
	(in thousands)
With no related allowance recorded:
Commercial and industrial loans:
Working capital lines of credit loans	$	61	$	61	$	0	$	10	$	0	$	0
Non-working capital loans		0		0		0		108		0		0
Commercial real estate and multi-family residential loans:
Owner occupied loans		754		574		0		530		0		0
Nonowner occupied loans		385		385		0		259		17		17
Multifamily loans		410		286		0		83		0		0
Agri-business and agricultural loans:
Loans secured by farmland		645		466		0		307		0		0
Loans for ag production		0		0		0		51		0		0
Consumer 1-4 family loans:
Closed end first mortgage loans		59		59		0		339		0		0
Open end and junior lien loans		41		41		0		25		0		0
Other consumer loans		1		1		0		0		0		0
With an allowance recorded:
Commercial and industrial loans:
Working capital lines of credit loans		5,833		3,224		1,516		4,085		55		54
Non-working capital loans		16,763		14,996		4,026		17,062		667		681
Commercial real estate and multi-family residential loans:
Construction and land development loans		3,352		2,960		934		2,145		48		48
Owner occupied loans		5,869		5,869		1,476		5,157		90		84
Nonowner occupied loans		26,835		26,845		6,149		27,830		363		380
Agri-business and agricultural loans:
Loans secured by farmland		651		331		63		410		0		0
Loans for agricultural production		0		0		0		68		0		0
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		3,387		2,403		415		1,870		36		50
Open end and junior lien loans		379		350		192		343		0		0
Other consumer loans		91		91		34		26		0		0
Total	$	65,516	$	58,942	$	14,805	$	60,708	$	1,276	$	1,314

The recorded investment in loans does not include accrued interest.

The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2011:

	Unpaid				Allowance for		Average		Interest		Interest
	Principal		Recorded		Loan Losses		Recorded		Income		Income
	Balance		Investment		Allocated		Investment		Recognized		Recognized
	(in thousands)
With no related allowance recorded:
Commercial and industrial loans:
Non-working capital loans	$	116	$	116	$	0	$	30	$	0	$	0
Commercial real estate and multi-family residential loans:
Nonowner occupied loans		0		0		0		425		0		0
With an allowance recorded:
Commercial and industrial loans:
Working capital lines of credit loans		7,831		5,969		3,206		5,649		23		25
Non-working capital loans		20,867		18,119		6,237		17,202		616		625
Commercial real estate and multi-family residential loans:
Construction and land development loans		816		429		125		1,319		0		0
Owner occupied loans		5,874		5,082		1,566		3,082		41		45
Nonowner occupied loans		30,769		30,283		6,691		24,108		246		252
Agri-business and agricultural loans:
Loans secured by farmland		1,126		628		195		610		0		0
Loans for agricultural production		225		225		18		410		0		0
Other commercial loans		0		0		0		129		0		0
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		2,461		2,256		285		1,872		44		48
Open end and junior lien loans		409		409		3		118		0		0
Total	$	70,494	$	63,516	$	18,326	$	54,954	$	970	$	995

The following table presents information on impaired loans:

	2010
	(in thousands)
Average of impaired loans during the year	$	39,685
Interest income recognized during impairment		450
Cash-basis interest income recognized		465

Loans and Leases Receivable Non Accrual Past Due

Nonaccrual loans and loans past due 30 days still on accrual were as follows:

	2012		2011
	(in thousands)
Nonaccrual loans	$	30,829	$	39,425
Interest not recorded on nonaccrual loans		1,681		1,815
Loans past due 30-89 days and still accruing		4,253		4,230
Loans past due 90 days and still accruing		50		52
Nonperforming loans		30,879		39,477

Schedule of Impaired loans

The following table presents the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2012 and 2011:

					Loans Past Due
					Over 90 Days
	Nonaccrual				Still Accruing
	2012		2011		2012		2011
	(in thousands)
Commercial and industrial loans:
Working capital lines of credit loans	$	1,899	$	4,743	$	0	$	0
Non-working capital loans		4,812		5,433		50		0
Commercial real estate and multi-family residential loans:
Construction and land development loans		398		429		0		0
Owner occupied loans		2,461		4,371		0		0
Nonowner occupied loans		19,200		21,971		0		0
Multifamily loans		286		0		0		0
Agri-business and agricultural loans:
Loans secured by farmland		797		628		0		0
Loans for agricultural production		0		225		0		0
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		504		1,193		0		52
Open end and junior lien loans		391		452		0		0
Other consumer loans		77		7		0		0
Total	$	30,825	$	39,452	$	50	$	52

Aging of the recorded investment in past due loans

The following table presents the aging of the recorded investment in past due loans as of December 31, 2012 by class of loans:

	30-89		Greater than
	Days		90 Days		Total		Loans Not
	Past Due		Past Due		Past Due		Past Due		Total
	(in thousands)
Commercial and industrial loans:
Working capital lines of credit loans	$	233	$	1,899	$	2,132	$	437,705	$	439,837
Non-working capital loans		48		4,862		4,910		402,262		407,172
Commercial real estate and multi-family residential loans:
Construction and land development loans		998		398		1,396		80,954		82,350
Owner occupied loans		1,023		2,461		3,484		354,921		358,405
Nonowner occupied loans		38		19,200		19,238		295,243		314,481
Multifamily loans		0		286		286		44,676		44,962
Agri-business and agricultural loans:
Loans secured by farmland		0		797		797		108,359		109,156
Loans for agricultural production		0		0		0		115,649		115,649
Other commercial loans		0		0		0		56,810		56,810
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		1,475		504		1,979		107,583		109,562
Open end and junior lien loans		361		391		752		161,172		161,924
Residential construction loans		0		0		0		11,508		11,508
Other consumer loans		81		77		158		45,546		45,704
Total	$	4,257	$	30,875	$	35,132	$	2,222,388	$	2,257,520

The recorded investment in loans does not include accrued interest.

The following table presents the aging of the recorded investment in past due loans as of December 31, 2011 by class of loans:

	30-89		Greater than
	Days		90 Days		Total		Loans Not
	Past Due		Past Due		Past Due		Past Due		Total
	(in thousands)
Commercial and industrial loans:
Working capital lines of credit loans	$	1,051	$	4,743	$	5,794	$	368,098	$	373,892
Non-working capital loans		21		5,433		5,454		372,018		377,472
Commercial real estate and multi-family residential loans:
Construction and land development loans		0		429		429		81,650		82,079
Owner occupied loans		104		4,371		4,475		342,068		346,543
Nonowner occupied loans		0		21,971		21,971		362,710		384,681
Multifamily loans		0		0		0		38,374		38,374
Agri-business and agricultural loans:
Loans secured by farmland		0		628		628		117,619		118,247
Loans for agricultural production		0		225		225		119,531		119,756
Other commercial loans		0		0		0		58,249		58,249
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		2,569		1,245		3,814		102,970		106,784
Open end and junior lien loans		254		452		706		175,517		176,223
Residential construction loans		34		0		34		5,415		5,449
Other consumer loans		192		7		199		45,761		45,960
Total	$	4,225	$	39,504	$	43,729	$	2,189,980	$	2,233,709

Troubled debt restructuring

The Company is not committed to lend additional funds to debtors whose loans have been modified in a troubled debt restructuring.

	2012		2011		2010
	(in thousands)
Accruing troubled debt restructured loans	$	22,332	$	22,177	$	8,547
Nonaccrual troubled debt restructured loans		28,506		34,273		6,091
Total troubled debt restructured loans	$	50,838	$	56,450	$	14,638

Loans by class modified as troubled debt restructurings

The following table presents loans by class modified as troubled debt restructurings that occurred during the period ending December 31, 2012:

	All Modifications						Interest Rate Reductions						Modified Repayment Terms
			Pre-Modification		Post-Modification
			Outstanding		Outstanding				Interest at		Interest at				Extension
	Number of		Recorded		Recorded		Number of		Pre-Modification		Post-Modification		Number of		Period or
	Loans		Investment		Investment		Loans		Rate		Rate		Loans		Range
			(in thousands)						(in thousands)						(in months)
Troubled Debt Restructurings
Commercial and industrial loans:
Non-working capital loans		1	$	942	$	1,060		0	$	0	$	0		0		0
Commercial real estate and multi-family residential loans:
Construction and land development loans		5		1,638		1,638		0		0		0		0		0
Owner occupied loans		2		2,260		2,260		1		440		117		1		18
Nonowner occupied loans		1		385		385		0		0		0		1		14
Consumer 1-4 family loans:
Closed end first mortgage loans		5		317		316		5		403		381		0		0
Other consumer loans		1		17		17		0		0		0		0		0
Total		15	$	5,559	$	5,676		6	$	843	$	498		2		14-18

The following tables present loans by class modified as troubled debt restructurings that occurred during the period ending December 31, 2011:

	All Modifications
			Pre-Modification		Post-Modification
			Outstanding		Outstanding
	Number of		Recorded		Recorded
	Loans		Investment		Investment
			(in thousands)
Troubled Debt Restructurings
Commercial and industrial loans:
Working capital lines of credit loans		3	$	639	$	639
Non-working capital loans		6		6,187		6,261
Commercial real estate and multi-family residential loans:
Construction and land development loans
Owner occupied loans		8		6,648		6,651
Nonowner occupied loans		8		23,767		23,767
Agri-business and agricultural loans:
Loans secured by farmland		2		683		683
Consumer 1-4 family loans:
Closed end first mortgage loans		6		942		849
Total		33	$	38,866	$	38,850

	Interest Rate Reductions						Principal and Interest Forgiveness										Modified Repayment Terms
			Interest at		Interest at				Principal at		Principal at		Interest at		Interest at				Extension
	Number of		Pre-Modification		Post-Modification		Number of		Pre-Modification		Post-Modification		Pre-Modification		Post-Modification		Number of		Period or
	Loans		Rate		Rate		Loans		Rate		Rate		Rate		Rate		Loans		Range
			(in thousands)						(in thousands)										(in months)
Troubled Debt Restructurings
Commercial and industrial loans:
Working capital lines of credit loans		0	$	0	$	0		0	$	0	$	0	$	0	$	0		3		11-60
Non-working capital loans		0		0		0		0		0		0		0		0		4		12-36
Commercial real estate and multi-family residential loans:
Owner occupied loans		0		0		0		1		2,125		2,125		641		429		7		20-70
Nonowner occupied loans		0		0		0		0		0		0		0		0		7		6-36
Agri-business and agricultural loans:
Loans secured by farmland		0		0		0		0		0		0		0		0		1		22
Consumer 1-4 family loans:
Closed end first mortgage loans		5		402		324		1		550		450		66		57		0		0
Total		5	$	402	$	324		2	$	2,675	$	2,575	$	707	$	486		22		6-70

Troubled debt restructurings subsequently defaulted

The following table presents loans by class modified as troubled debt restructurings for which there was a payment default within twelve months following the modification during period ending December 31:

	2012				2011
	Number of		Recorded		Number of		Recorded
	Loans		Investment		Loans		Investment
	(in thousands)				(in thousands)
Troubled Debt Restructurings that Subsequently Defaulted
Consumer 1-4 family loans:
Closed end first mortgage loans		1	$	63		4	$	455
Total		1	$	63		4	$	455

Credit quality indicators

As of December 31, 2012, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
					(in thousands)
Commercial and industrial loans:
Working capital lines of credit loans	$	403,778	$	22,591	$	13,468	$	0	$	0
Non-working capital loans		355,772		23,192		26,857		66		1,285
Commercial real estate and multi-family residential loans:
Construction and land development loans		67,002		4,595		10,753		0		0
Owner occupied loans		315,672		24,589		18,144		0		0
Nonowner occupied loans		282,108		6,345		26,028		0		0
Multifamily loans		43,425		345		1,192		0		0
Agri-business and agricultural loans:
Loans secured by farmland		107,734		0		1,404		0		18
Loans for agricultural production		115,649		0		0		0		0
Other commercial loans		56,692		0		118		0		0
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		18,685		343		729		0		89,805
Open end and junior lien loans		7,932		300		0		0		153,692
Residential construction loans		0		0		0		0		11,508
Other consumer loans		10,168		378		497		0		34,661
Total	$	1,784,617	$	82,678	$	99,190	$	66	$	290,969

               As of December 31, 2011, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

			Special						Not
	Pass		Mention		Substandard		Doubtful		Rated
					(in thousands)
Commercial and industrial loans:
Working capital lines of credit loans	$	352,055	$	5,625	$	16,212	$	0	$	0
Non-working capital loans		331,881		7,437		36,751		0		1,403
Commercial real estate and multi-family residential loans:
Construction and land development loans		64,808		3,296		13,976		0		0
Owner occupied loans		318,191		5,913		22,400		0		38
Nonowner occupied loans		337,090		8,875		38,716		0		0
Multifamily loans		37,127		1,247		0		0		0
Agri-business and agricultural loans:
Loans secured by farmland		116,742		70		1,415		0		20
Loans for agricultural production		119,531		0		225		0		0
Other commercial loans		58,061		66		120		0		2
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		17,307		53		974		0		88,450
Open end and junior lien loans		11,569		319		0		0		164,335
Residential construction loans		0		0		0		0		5,449
Other consumer loans		7,416		375		497		0		37,672
Total	$	1,771,778	$	33,276	$	131,286	$	0	$	297,369