0000723188-14-000009.txt : 20140303 0000723188-14-000009.hdr.sgml : 20140303 20140303164645 ACCESSION NUMBER: 0000723188-14-000009 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20131231 FILED AS OF DATE: 20140303 DATE AS OF CHANGE: 20140303 FILER: COMPANY DATA: COMPANY CONFORMED NAME: COMMUNITY BANK SYSTEM, INC. CENTRAL INDEX KEY: 0000723188 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 161213679 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-13695 FILM NUMBER: 14660981 BUSINESS ADDRESS: STREET 1: 5790 WIDEWATERS PKWY CITY: DEWITT STATE: NY ZIP: 13214 BUSINESS PHONE: 8007242262 MAIL ADDRESS: STREET 1: 5790 WIDEWATERS PARKWAY CITY: DEWITT STATE: NY ZIP: 13214 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK NA, a subsidiary of Community Bank System Inc DATE OF NAME CHANGE: 20130729 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK NA, a subsidiary of Community Bank System Inc. DATE OF NAME CHANGE: 20130726 FORMER COMPANY: FORMER CONFORMED NAME: COMMUNITY BANK SYSTEM INC DATE OF NAME CHANGE: 19920703 10-K 1 cbna10k2013.htm CBNA 2013 10-K cbna10k2013.htm

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
 Washington, D.C. 20549

FORM 10-K
 
 
  x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
  For the fiscal year ended December 31, 2013
   
  o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934
  For the transition period from                     to                                       
  Commission file number 001-13695
 
 
 
(Exact name of registrant as specified in its charter)
 
         Delaware                                16-1213679                 
 (State or other jurisdiction of incorporation or organization)      (I.R.S. Employer Identification No.)
     
         5790 Widewaters Parkway, DeWitt, New York                                  13214-1883                  
 (Address of principal executive offices)    (Zip Code)
   (315) 445-2282  
(Registrant's telephone number, including area code)
 
Securities registered pursuant of Section 12(b) of the Act:
                                   Title of each class                                        Name of each exchange on which registered      
Common Stock, Par Value $1.00     New York Stock Exchange
 
 
Securities registered pursuant to Section 12(g) of the Act: None
 
Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.  Yes  x    No  o.
 
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.  Yes  o    No  x .
 
 Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act
 of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject
 to such filing requirements for the past 90 days.   Yes   x    No  o.
 
 Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Website, if any, every Interactive Data
 File required to be submitted and posted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or
 for such shorter period that the registrant was required to submit and post such files).   Yes  x   No  o.
 
 Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (§229.405 of this chapter) is not contained
 herein, and will not be contained, to the best of the registrant’s knowledge, in definitive proxy or information statements incorporated by
 reference in Part III of this Form 10-K or any amendment of this Form 10-K.  o.
 
 Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting
 company.  See definition of “large accelerated filer”, “accelerated filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.
 Large accelerated filer   x  Accelerated filer  o  Non-accelerated filer  o  Smaller reporting company  o.
    (Do not check if a smaller reporting company)  
 
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).  Yes  o  No  x  .
 
 The aggregate market value of the common stock, $1.00 par value, held by non-affiliates of the registrant computed by reference to the closing
 price as of the close of business on June 30, 2013 (the registrant’s most recently completed second fiscal quarter): $1,177,067,787.
 
The number of shares of the common stock, $1.00 par value, outstanding as of the close of business on January 31, 2014: 40,521,881 shares
 
DOCUMENTS INCORPORATED BY REFERENCE.
 
 Portions of the Definitive Proxy Statement for the Annual Meeting of the Shareholders to be held on May 14, 2014 (the "Proxy Statement")
 is incorporated by reference in Part III of this Annual Report on Form 10-K.


 
 
 
 
TABLE OF CONTENTS

PART I
  
  Page
Item 1
Business_____________________________________________________________________________________________________________________    
     3
Item 1A.
Risk Factors __________________________________________________________________________________________________________________ 
12
Item 1B.
Unresolved Staff Comments ______________________________________________________________________________________________________ 
16
Item 2
Properties____________________________________________________________________________________________________________________ 
16
Item 3
Legal Proceedings______________________________________________________________________________________________________________ 
16
Item 4
Mine Safety Disclosures__________________________________________________________________________________________________________ 
17
Item 4A.
Executive Officers of the Registrant__________________________________________________________________________________________________ 
17
     
PART II
    
Item 5
Market for Registrant's Common Equity, Related Stockholders Matters and Issuer Purchases of Equity Securities_______________________________________
18
Item 6
Selected Financial Data___________________________________________________________________________________________________________
20
Item 7
Management's Discussion and Analysis of Financial Condition and Results of Operations_______________________________________________________
22
Item 7A.
Quantitative and Qualitative Disclosures about Market Risk______________________________________________________________________________
49
Item 8
Financial Statements and Supplementary Data:
  
 
     Consolidated Statements of Condition_____________________________________________________________________________________________
51
 
     Consolidated Statements of Income_______________________________________________________________________________________________
52
 
     Consolidated Statements of Comprehensive Income__________________________________________________________________________________
53
 
     Consolidated Statements of Changes in Shareholders' Equity___________________________________________________________________________
54
 
     Consolidated Statements of Cash Flows___________________________________________________________________________________________
55
 
     Notes to Consolidated Financial Statements________________________________________________________________________________________
56
 
     Report on Internal Control over Financial Reporting__________________________________________________________________________________
93
 
     Report of Independent Registered Public Accounting Firm_____________________________________________________________________________
94
 
Two Year Selected Quarterly Data__________________________________________________________________________________________________
95
Item 9
Changes in and Disagreements with Accountants on Accounting and Financial Disclosure_______________________________________________________
95
Item 9A.
Controls and Procedures__________________________________________________________________________________________________________
95
Item 9B.
Other Information_______________________________________________________________________________________________________________
96
     
PART III
    
Item 10
Directors, Executive Officers and Corporate Governance__________________________________________________________________________________
96
Item 11
Executive Compensation__________________________________________________________________________________________________________
96
Item 12
Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters_____________________________________________
96
Item 13
Certain Relationships and Related Transactions, and Director Independence_________________________________________________________________
96
Item 14
Principal Accounting Fees and Services______________________________________________________________________________________________
96
     
PART IV
    
Item 15
Exhibits, Financial Statement Schedules______________________________________________________________________________________________
97
Signatures
_____________________________________________________________________________________________________________________________
101


 
2
 

Part I

This Annual Report on Form 10-K contains certain forward-looking statements with respect to the financial condition, results of operations and business of Community Bank System, Inc.  These forward-looking statements by their nature address matters that involve certain risks and uncertainties.  Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements are set forth herein under the caption “Forward-Looking Statements.”

Item 1. Business

Community Bank System, Inc. (the “Company”) was incorporated on April 15, 1983, under the Delaware General Corporation Law.  Its principal office is located at 5790 Widewaters Parkway, DeWitt, New York 13214.  The Company is a single bank holding company which wholly-owns five subsidiaries: Community Bank, N.A. (the “Bank” or “CBNA”), Benefit Plans Administrative Services, Inc. (“BPAS”), CFSI Closeout Corp. (“CFSICC”), First of Jermyn Realty Company, Inc. (“FJRC”) and Town & Country Agency LLC (“T&C”).  BPAS owns four subsidiaries, Benefit Plans Administrative Services, LLC (“BPA”), a provider of defined contribution plan administration services; Harbridge Consulting Group, LLC (“Harbridge”), a provider of actuarial and benefit consulting services; BPAS Trust Company of Puerto Rico; and Hand Benefits & Trust Company (“HB&T”), a provider of Collective Investment Fund administration and institutional trust services.  At December 31, 2013, HB&T owned two subsidiaries, Flex Corp. (“Flex”), a provider of administration, servicing and marketing of various flexible employee benefit programs, which was merged with BPA on January 1, 2014, and Hand Securities, Inc. (“HSI”), an introducing broker dealer.  CFSICC, FJRC and T&C are inactive companies.  The Company also wholly-owns two unconsolidated subsidiary business trusts formed for the purpose of issuing mandatorily-redeemable preferred securities which are considered Tier I capital under regulatory capital adequacy guidelines. 

The Bank’s business philosophy is to operate as a community bank with local decision-making, principally in non-metropolitan markets, providing a broad array of banking and financial services to retail, commercial, and municipal customers.  As of December 31, 2013, the Bank operates 183 full-service branches operating as Community Bank, N.A. throughout 35 counties of Upstate New York and six counties of Northeastern Pennsylvania, offering a range of commercial and retail banking services.  The Bank owns the following subsidiaries: CBNA Insurance Agency, Inc. (“CBNA Insurance”), CBNA Preferred Funding Corporation (“PFC”), CBNA Treasury Management Corporation (“TMC”), Community Investment Services, Inc. (“CISI”), First Liberty Service Corp. (“FLSC”), Nottingham Advisors, Inc. (“Nottingham”), Brilie Corporation (“Brilie”), and Western Catskill Realty, LLC (“WCR”).  CBNA Insurance is a full-service insurance agency offering primarily property and casualty products.  PFC primarily acts as an investor in residential real estate loans.  TMC provides cash management, investment, and treasury services to the Bank.  CISI provides broker-dealer and investment advisory services.  FLSC provides banking-related services to the Pennsylvania branches of the Bank.  Nottingham provides asset management services to individuals, corporations, corporate pension and profit sharing plans, and foundations.  Brilie and WCR are inactive companies.

The Company maintains a website at communitybankna.com.  Annual reports on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports, are available on the Company’s website free of charge as soon as reasonably practicable after such reports or amendments are electronically filed with or furnished to the Securities and Exchange Commission (“SEC”).  The information posted on the website is not incorporated into or a part of this filing.  Copies of all documents filed with the SEC can also be obtained by visiting the SEC’s Public Reference Room at 100 F Street, NE, Washington, DC  20549, by calling the SEC at 1-800-SEC-0330 or by accessing the SEC’s website at http://www.sec.gov.

Acquisition History (2009-2013)

Bank of America Branches
On December 13, 2013,  the Bank completed its acquisition of eight retail branch-banking locations across its Northeast Pennsylvania markets from Bank of America, N.A. (“B of A”), acquiring approximately $0.9 million in loans and $303 million of deposits.  The assumed deposits consist of $220 million of core deposits (checking, savings and money market accounts) and $83 million of time deposits.  Under the terms of the purchase agreement, the Bank paid B of A a blended deposit premium of 2.4%, or approximately $7.3 million.

HSBC and First Niagara Branches
On July 20, 2012,  the Bank completed its acquisition of 16 retail branches in central, northern and western New York from HSBC Bank USA, N.A. (“HSBC”), acquiring approximately $106 million in loans and $697 million of deposits.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing loans primarily residential real estate loans.  Under the terms of the purchase agreement, the Bank paid First Niagara Bank, N.A. (“First Niagara”) (who acquired HSBC’s Upstate New York banking business and assigned its right to purchase the 16 branches to the Bank) a blended deposit premium of 3.4%, or approximately $24 million.
 
 
 
3
 
 
On September 7, 2012, the Bank completed its acquisition of three branches in central New York from First Niagara, acquiring approximately $54 million of loans and $101 million of deposits.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing loans, primarily residential real estate loans. Under the terms of the purchase agreement, the Bank paid a blended deposit premium of 3.1%, or approximately $3 million.

CAI Benefits, Inc.
On November 30, 2011, BPAS acquired, in an all-cash transaction, certain assets and liabilities of CAI Benefits, Inc. (“CAI”), a provider of actuarial, consulting and retirement plan administration services, with offices in New York City and Northern New Jersey.  The transaction added valuable service capacity and enhances distribution prospects in support of the Company’s broader-based employee benefits business, including daily valuation plan and collective investment fund administration.

The Wilber Corporation
On April 8, 2011, the Company acquired The Wilber Corporation, parent company of Wilber National Bank, and its 22 branch-banking centers in the Central, Greater Capital District and Catskill regions of New York for $103 million of stock and cash.  The Company acquired approximately $462 million in loans, $297 million of investment securities and $772 million in deposits.

Services

The Bank is a community bank committed to the philosophy of serving the financial needs of customers in local communities.  The Bank's branches are generally located in smaller towns and cities within its geograph­ic market areas of Upstate New York and Northeastern Pennsylvania. The Company believes that the local character of its business, knowledge of the customers and their needs, and its comprehensive retail and business products, together with responsive decision-making at the branch and regional levels, enable the Bank to compete effectively in its geographic market.   The Bank is a member of the Federal Reserve System and the Federal Home Loan Bank of New York ("FHLB"), and its deposits are insured by the Federal Deposit Insurance Corporation (“FDIC”) up to applicable limits.

Competition

The banking and financial services industry is highly competitive in the New York and Pennsylvania markets.  The Company competes actively for loans, deposits and customers with other national and state banks, thrift institutions, credit unions, retail brokerage firms, mortgage bankers, finance companies, insurance companies, and other regulated and unregulated providers of financial services.  In order to compete with other financial service providers, the Company stresses the community nature of its operations and the development of profitable customer relationships across all lines of business.


 
4
 
 
The table below summarizes the Bank’s deposits and market share by the forty-one counties of New York and Pennsylvania in which it has customer facilities.  Market share is based on deposits of all commercial banks, credit unions, savings and loan associations, and savings banks.

       
Number of
             
Towns Where
   
Deposits as of
        
Company
   
 6/30/2013(1)
Market
    
Towns/
Has 1st or 2nd
County
State
(000's omitted)
Share (1)
Branches
ATM's
Cities
Market Position
Lewis
NY
$152,501
67.57%
4
4
3
3
Franklin
NY
261,245
59.02%
9
7
6
6
Hamilton
NY
48,201
56.73%
2
2
2
2
Allegany
NY
214,835
47.99%
9
10
8
8
Cattaraugus
NY
400,594
45.30%
10
11
7
7
Otsego
NY
396,546
39.67%
10
10
6
5
Seneca
NY
186,216
35.85%
4
3
4
3
St. Lawrence
NY
402,847
35.19%
12
9
11
10
Schuyler
NY
51,992
31.18%
1
1
1
1
Yates
NY
88,014
28.37%
3
2
2
1
Clinton
NY
323,965
26.92%
5
8
2
2
Wyoming
PA
122,682
26.37%
4
4
3
3
Jefferson
NY
362,054
25.90%
7
9
6
6
Livingston
NY
164,536
21.46%
5
6
5
4
Chautauqua
NY
306,806
21.46%
13
13
11
8
Essex
NY
112,593
20.16%
4
5
4
4
Steuben
NY
178,626
19.87%
8
7
7
4
Delaware
NY
172,190
17.97%
5
5
5
5
Wayne
NY
129,977
17.67%
3
3
2
2
Ontario
NY
234,459
13.39%
8
13
5
4
Oswego
NY
140,039
11.53%
4
5
4
2
Lackawanna
PA
427,816
8.70%
12
12
8
4
Tioga
NY
34,152
8.56%
2
2
2
1
Luzerne
PA
463,301
8.02%
11
16
8
4
Chemung
NY
78,196
7.87%
2
2
1
0
Schoharie
NY
29,770
7.22%
1
1
1
0
Susquehanna
PA
49,580
6.76%
3
1
3
2
Herkimer
NY
39,520
6.72%
1
1
1
1
Carbon
PA
45,560
4.96%
2
2
2
1
Chenango
NY
31,761
4.75%
2
2
1
1
Cayuga
NY
42,417
4.22%
2
2
2
1
Bradford
PA
46,006
4.20%
2
2
2
1
Washington
NY
17,905
2.72%
1
0
1
1
Warren
NY
32,788
2.22%
1
1
1
1
Oneida
NY
55,944
1.81%
1
1
1
1
Broome
NY
26,217
1.15%
1
1
1
0
Ulster
NY
26,438
0.78%
1
1
1
1
Erie
NY
106,225
0.35%
4
4
3
2
Onondaga
NY
30,279
0.35%
2
3
2
0
Saratoga
NY
12,068
0.33%
1
1
1
0
Tompkins
NY
               4,732
0.26%
1
0
1
0
   
$6,051,593
6.75%
183
192
147
112
               
 (1) Deposits and Market Share data as of June 30, 2013, the most recent information available from SNL Financial LLC,
      adjusted for deposits acquired with the Bank of America branch acquisition and branch consolidations occurring
      after June 30, 2013.


 
 
5
 
 
Employees

As of December 31, 2013, the Company employed 1,940 full-time employees, 122 part-time employees and 153 temporary employees.  None of the Company’s employees are represented by a collective bargaining agreement.  The Company offers a variety of employment benefits and considers its relationship with its employees to be good.

Supervision and Regulation

General

The banking industry is highly regulated with numerous statutory and regulatory requirements that are designed primarily for the protection of depositors and the financial system, and not for the purpose of protecting shareholders.  Set forth below is a description of the material information governing the laws and regulations applicable to the Company and the Bank.  This summary is not complete and the reader should refer to these laws and regulation for more detailed information.  The Company’s and the Bank’s failure to comply with applicable laws and regulations could result in a range of sanctions and administrative actions imposed upon the Company and/or the Bank, including the imposition of civil money penalties, formal agreements and cease and desist orders.  Changes in applicable law or regulations, and in their interpretation and application by regulatory agencies, cannot be predicted, and may have a material effect on the Company’s business and results.

The Company and its subsidiaries are subject to the laws and regulations of the federal government and the states in which they conduct business.  The Company, as a bank holding company, is subject to extensive regulation, supervision and examination by the Board of Governors of the Federal Reserve System (“FRB”) as its primary federal regulator.  The Bank is a nationally-chartered bank and is subject to extensive regulation, supervision and examination by the Office of the Comptroller of the Currency (“OCC”) as its primary federal regulator, and as to certain matters, the FRB, the Bureau of Consumer Financial Protection (“CFPB”), and the FDIC.

The Company is also subject to the jurisdiction of the SEC and is subject to disclosure and regulatory requirement under the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended.  The Company’s common stock is listed on the New York Stock Exchange (“NYSE”) and it is subject to NYSE’s rules for listed companies.  Affiliated entities, including BPAS, HB&T, Nottingham, CISI, his and CBNA Insurance are subject to the jurisdiction of certain state and federal regulators and self-regulatory organizations including, but not limited to, the SEC, the Texas Department of Banking, the Financial Industry Regulatory Authority (“FINRA”), and state securities and insurance regulators.

Federal Bank Holding Company Regulation
The Company is registered as a bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHC Act”).  The BHC Act limits the type of activities in which the Company and its subsidiaries may engage and the types of companies it may acquire or organize.  In general, the Company and the Bank are prohibited from engaging in or acquiring direct or indirect control of any entity engaged in non-banking activities unless such activities are closely related to banking, as determined by the BHC Act.  In addition, the Company must obtain the prior approval of the FRB to acquire control of any bank; to acquire, with certain exceptions, more than five percent of the outstanding voting stock of any other entity; or to merge or consolidate with another bank holding company.  As a result of such laws and regulation, the Company is restricted as to the types of business activities it may conduct and the Bank is subject to limitations on, among others, the types of loans and the amounts of loans it may make to any one borrower.  The Financial Modernization Act of 1999 (also known as the Gramm-Leach-Bliley Act (the “GLB Act”)) created, among other things, the “financial holding company,” an entity which may engage in a broader range of activities that are “financial in nature,” including insurance underwriting, securities underwriting and merchant banking.  Bank holding companies which are well capitalized and well managed under regulatory standards may convert to financial holding companies relatively easily through a notice filing with the FRB, which acts as the “umbrella regulator” for such entities.  The Company may seek to become a financial holding company in the future.

Federal Reserve System Regulation
Because the Company is a bank holding company it is subject to regulatory capital requirements and required by the FRB to, among other things, maintain cash reserves against its deposits.  The Bank is under similar capital requirements administered by the OCC as discussed below.  FRB policy has historically required a bank holding company to act as a source of financial and managerial strength to its subsidiary banks.  The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank Act”) codifies this historical policy as a statutory requirement.  To the extent the Bank is in need of capital, the Company could be expected to provide additional capital, including borrowings from the FRB for such purpose.  Both the Company and the Bank are subject to extensive supervision and regulation, which focus on, among other things, the protection of depositors’ funds.


 
6
 

The FRB has established minimum capital requirements for the Company and the Bank.  The FRB capital adequacy guidelines apply on a consolidated basis and require bank holding companies to maintain a minimum ratio of Tier 1 capital to total average assets (or “leverage ratio”) of 4%.  The FRB capital adequacy guidelines also require bank holding companies to maintain a minimum ratio of Tier 1 capital to risk-weighted assets of 4% and a minimum ratio of qualifying total capital to risk-weighted assets of 8%.  As of December 31, 2013, the Company’s leverage ratio was 9.29%, its ratio of Tier 1 capital to risk-weighted assets was 16.42%, and its ratio of qualifying total capital to risk-weighted assets was 17.57%.  For additional information on the Company’s capital requirements see “Management’s Discussion and Analysis of Financial Condition and Results of Operations - Capital” and Note P to the Financial Statements.  The FRB may set higher minimum capital requirements for bank holding companies whose circumstances warrant it, such as companies anticipating significant growth or facing unusual risks.  Any holding company whose capital does not meet the minimum capital adequacy guidelines is considered to be undercapitalized and is required to submit an acceptable plan to the FRB for achieving capital adequacy.  Such a company’s ability to pay dividends to its shareholders and expand its lines of business through the acquisition of new banking or nonbanking subsidiaries also could be restricted.

The FRB also regulates the national supply of bank credit in order to influence general economic conditions.  These policies have a significant influence on overall growth and distribution of loans, investments and deposits, and affect the interest rates charged on loans or paid for deposits.

Fluctuations in interest rates, which may result from government fiscal policies and the monetary policies of the FRB, have a strong impact on the income derived from loans and securities, and interest paid on deposits and borrowings.  While the Company and the Bank strive to model various interest rate changes and adjust our strategies for such changes, the level of earnings can be materially affected by economic circumstances beyond our control.

The Office of Comptroller of the Currency Regulation
The Bank is supervised and regularly examined by the OCC.  The various laws and regulations administered by the OCC affect the Company’s practices such as payment of dividends, incurring debt, and acquisition of financial institutions and other companies.  It also affects the Bank’s business practices, such as payment of interest on deposits, the charging of interest on loans, types of business conducted and the location of its offices.  The OCC generally prohibits a depository institution from making any capital distributions, including the payment of a dividend, or paying any management fee to its parent holding company if the depository institution would become undercapitalized due to the payment.  Undercapitalized institutions are subject to growth limitations and are required to submit a capital restoration plan to the OCC.  The Bank is well capitalized under regulatory standards administered by the OCC.  For additional information on our capital requirements see “Management’s Discussion and Analysis of Financial Condition and Results of Operations - Capital” and Note P to the Financial Statements.

Federal Home Loan Bank
The Bank is a member of the FHLB, which provides a central credit facility primarily for member institutions for home mortgage and neighborhood lending.  The Bank is subject to the rules and requirements of the FHLB, including the purchase of shares of FHLB activity-based stock in the amount of 4.5% of the dollar amount of outstanding advances and FHLB capital stock in an amount equal to the greater of $1,000 or the sum of .20% of the mortgage-related assets held by the Bank based upon the previous year-end financial information.  The Bank was in compliance with the rules and requirements of the FHLB at December 31, 2013.

Deposit Insurance
Substantially all of the deposits of the Bank are insured up to applicable limits by the Deposit Insurance Fund (“DIF”) and are subject to deposit insurance assessments to maintain the DIF.  The Dodd-Frank Act permanently increased the maximum amount of deposit insurance to $250,000 per deposit category, per depositor, per institution retroactive to January 1, 2008.  On April 1, 2011, the deposit insurance assessment base changed from total domestic deposits to the average consolidated total assets minus the average tangible equity of the depository institution, pursuant to a rule issued by the FDIC as required by the Dodd-Frank Act.  Additionally, the deposit insurance assessment system was revised to create a two scorecard system, one for most large institutions that have more than $10 billion in assets and another for “highly complex” institutions that have over $50 billion in assets and are fully owned by a parent with over $500 billion in assets.  The Bank is not affected by the two scorecard system as total assets are below the minimum threshold.
 
In October 2010, the FDIC adopted a DIF restoration plan to ensure that the fund reserve ratio reaches 1.35% by September 30, 2020, as required by the Dodd-Frank Act.  At least semi-annually, the FDIC will update its loss and income projections for the fund and, if needed, will increase or decrease assessment rates, following notice-and-comment rulemaking if required.  FDIC insurance expense totaled $3.8 million, $3.8 million and $3.9 million in 2013, 2012 and 2011, respectively.
 
Under the Federal Deposit Insurance Act, if the FDIC finds that an institution has engaged in unsafe and unsound practices, is in an unsafe or unsound condition to continue operations, or has violated any applicable law, regulation, rule, order or condition imposed by the FDIC, the FDIC may determine that such violation or unsafe or unsound practice or condition require the termination of deposit insurance.
 
 
 
7
 

Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010
On July 21, 2010, the Dodd-Frank Actwas signed into law, which resulted in significant changes to the banking industry.  The provisions that have received the most public attention have been those that apply to financial institutions larger than the Company; however, the Dodd-Frank Act does contain numerous other provisions that will affect all banks and bank holding companies and impacts how the Company and the Bank handle their operations.  The Dodd-Frank Act requires various federal agencies, including those that regulate the Company and the Bank, to promulgate new rules and regulations and to conduct various studies and reports for Congress.  The federal agencies are in the process of promulgating these rules and regulations and have been given significant discretion in drafting such rules and regulations.  Several of the provisions of the Dodd-Frank Act may have the consequence of increasing the Bank’s expenses, decreasing its revenues, and changing the activities in which it chooses to engage.  The specific impact of the Dodd-Frank Act on the Company’s current activities or new financial activities the Company may consider in the future, the Company’s financial performance, and the markets in which the Company operates depends on the manner in which the relevant agencies continue to develop and implement the required rules and regulations and the reaction of market participants to these regulatory developments.

The Dodd-Frank Act includes provisions that, among other things:
·  
Changes the assessment base for federal deposit insurance from the amount of insured deposits to consolidated assets less tangible capital, eliminate the ceiling on the size of the DIF, and increase the floor applicable to the size of the DIF.
·  
Makes permanent the $250,000 limit on deposits for federal deposit insurance, retroactive to January 1, 2008.
·  
Repeals the federal prohibitions on the payment of interest on demand deposits, thereby permitting depository institutions to pay interest on business transaction and other accounts.
·  
Centralizes responsibility for consumer financial protection by creating the CFPB, a new agency that started in July 2011 with responsibility for implementing, examining, and enforcing compliance with federal consumer laws.
·  
Restricts the preemption of certain state consumer financial protection laws by federal law and disallow subsidiaries and affiliates of national banks from availing themselves of such preemption.
·  
Applies the same leverage and risk-based capital requirements that apply to insured depository institutions to most bank holding companies, which, among other things as applied to the Company, going forward will preclude the Company from including in Tier 1 Capital trust preferred securities or cumulative preferred stock, if any, issued on or after May 19, 2010.  The Company has not issued any trust preferred securities since May 19, 2010.
·  
Requires the OCC to seek to make its capital requirements for national banks countercyclical.
·  
Imposes comprehensive regulation of the over-the-counter derivatives market, which would include certain provisions that would effectively prohibit insured depository institutions from conducting certain derivatives businesses in the institution itself.
·  
Amends the Electronic Fund Transfer Act to, among several changes, give the FRB the authority to establish rules regarding interchange fees charged for electronic debit transactions by payment card issuers having assets over $10 billion and to enforce a new statutory requirement that such fees be reasonable and proportional to the actual cost of a transaction to the issuer.
·  
Increases the authority of the FRB to examine the Company and any of its non-bank subsidiaries.

Further, pursuant to FRB regulations mandated by the Dodd-Frank Act, effective October 1, 2011, interchange fees on debit card are limited to a maximum of $.21 per transaction plus 5 basis points of the transaction amount.  A debit card issuer may recover an additional one cent per transaction for fraud prevention purposes if the issuer complies with certain fraud-related requirements prescribed by the FRB.  Issuers that, together with their affiliates, have less than $10 billion in assets, such as the Company, are exempt from the debit card interchange fee standards.  The FRB also adopted requirements in the final rule that issuers include two unaffiliated networks for routing debit transactions that are applicable to the Company and the Bank.

On December 10, 2013, the FRB, SEC, OCC, FDIC and Commodity Futures Trading Commission issued the final rules implementing Section 619 of the Dodd-Frank Act (commonly known as the Volcker Rule) which become effective on April 1, 2014.  The final rules prohibit insured depository institutions and companies affiliated with insured depository institutions from engaging in short-term proprietary trading of certain securities, derivatives, commodity futures and options on these instruments, for their own account.  The final rules also impose limits on banking entities’ investments in, and other relationships with, hedge funds or private equity funds.  Banking entities with less than $10 billion in total consolidated assets, which generally have very little or no involvement in prohibited proprietary trading or investment activities in covered funds, do not have any compliance obligations under the final rule if they do not engage in any covered activities other than trading in certain government, agency, State or municipal obligations.

On February 7, 2012, the CFPB issued the final rules implementing Section 1073 of the Dodd-Frank Act to create a comprehensive new system of consumer protections for remittance transfers sent by consumers in the United States to individuals and businesses in foreign countries.  The final rules became effective on October 28, 2013.  The amendments provide new protections, including disclosure requirements, and error resolution and cancellation rights, to consumers who send remittance transfers to other consumers or businesses in a foreign country.  The Bank has adopted policies and procedures to comply with the final foreign remittance transfer rules.
 
 
 
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The scope and impact of many of the Dodd-Frank Act’s provisions will continue to be determined over time as final regulations are issued and become effective.  As a result, the Company cannot predict the ultimate impact of the Dodd-Frank Act on the Company or the Bank at this time, including the extent to which it could increase costs or limit the Company’s ability to pursue business opportunities in an efficient manner, or otherwise adversely affect its business, financial condition and results of operations.  Nor can the Company predict the impact or substance of other future legislation or regulation.  However, it is expected that they at a minimum will increase the Company’s and the Bank’s operating and compliance costs.  As continued rules and regulations are issued, the Company may need to dedicate additional resources to ensure compliance, which may increase its costs of operations and adversely impact its earnings.

Basel III
In December 2010, the Basel Committee, a group of bank regulatory supervisors from around the world, released its final framework for strengthening international capital and liquidity regulation, now officially identified by the Basel Committee as “Basel III.”  In July 2013, the FRB, FDIC and OCC released the final rules implementing Basel III in the United States.  For community banks with less than $15 billion in assets, the new minimum capital requirements are effective on January 1, 2015 and the capital conservation buffer and deductions from CET1 capital (defined below) phase in over time.

The Basel III final capital framework, among other things: introduces as a new capital measure “Common Equity Tier 1,” or “CET1,” specifies that Tier 1 capital consists of CET1 and “Additional Tier 1 capital” instruments meeting specified requirements, defines CET1 narrowly by requiring that most adjustments to regulatory capital measures be made to CET1 and not to the other components of capital, and expands the scope of the adjustments as compared to existing regulations.  When fully phased in on January 1, 2019, Basel III requires banks to maintain:

·  
a minimum ratio of CET1 to risk-weighted assets of at least 4.5 percent, plus a 2.5 percent “capital conservation buffer” (which is added to the 4.5 percent CET1 ratio as that buffer is phased in, effectively resulting in a minimum ratio of CET1 to risk-weighted assets of at least 7 percent),
·  
a minimum ratio of Tier 1 capital to risk-weighted assets of at least 6.0 percent, plus the capital conservation buffer (which is added to the 6.0 percent Tier 1 capital ratio as that buffer is phased in, effectively resulting in a minimum Tier 1 capital ratio of 8.5 percent upon full implementation),
·  
a minimum ratio of Total (that is, Tier 1 plus Tier 2) capital to risk-weighted assets of at least 8.0 percent, plus the capital conservation buffer (which is added to the 8.0 percent total capital ratio as that buffer is phased in, effectively resulting in a minimum total capital ratio of 10.5 percent upon full implementation),
·  
as a newly adopted international standard, a minimum leverage ratio of 3.0 percent, calculated as the ratio of Tier 1 capital to balance sheet exposures plus certain off-balance sheet exposures (as the average for each quarter of the month-end ratios for the quarter), and
·  
provides for a “countercyclical capital buffer,” generally to be imposed when national regulators determine that excess aggregate credit growth becomes associated with a buildup of systemic risk, that would be a CET1 add-on to the capital conservation buffer in the range of 0 percent to 2.5 percent when fully implemented (potentially resulting in total buffers of between 2.5 percent and 5 percent).

The capital conservation buffer is designed to absorb losses during periods of economic stress.  Banking institutions with a ratio of CET1 to risk-weighted assets above the minimum but below the conservation buffer (or below the combined capital conservation buffer and countercyclical capital buffer, when the latter is applied) will face constraints on dividends, equity repurchases and compensation based on the amount of the shortfall.  Banking institutions will be required to meet the following minimum capital ratios based upon the final Basel III rules:
 
·  
4.5 percent CET1 to risk-weighted assets;
·  
6.0 percent Tier 1 capital to risk-weighted assets; and
·  
8.0 percent Total capital to risk-weighted assets.

The Basel III final framework provides for a number of new deductions from and adjustments to CET1.  These include, for example, the requirement that mortgage servicing rights, deferred tax assets and significant investments in non-consolidated financial entities be deducted from CET1 to the extent that any one such category exceeds 10 percent of CET1 or all such categories in the aggregate exceed 15 percent of CET1.  Implementation of the deductions and other adjustments to CET1 will begin on January 1, 2015 and will be phased-in over a five-year period (20 percent per year).  The implementation of the capital conservation buffer will begin on January 1, 2016 at 0.625 percent and be phased in over a four-year period (increasing by that amount on each subsequent January 1, until it reaches 2.5 percent on January 1, 2019).  The Company fully expects to be in compliance with the higher Basel III capital standards as they become effective.
 
 
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Consumer Protection Laws
In connection with its lending activities, the Bank is subject to a number of federal and state laws designed to protect borrowers and promote lending to various sectors of the economy.  These laws include the Equal Credit Opportunity Act, GLB Act, the Fair Credit Reporting Act (“FCRA”), the Fair and Accurate Credit Transactions Act of 2003 (“FACT Act”), Electronic Funds Transfer Act, the Truth in Lending Act, the Home Mortgage Disclosure Act, the Dodd-Frank Act, the Real Estate Settlement Procedures Act, the Secure and Fair Enforcement for Mortgage Licensing Act (“SAFE”), and various state law counterparts.

The Dodd-Frank Act created the CFPB with broad powers to supervise and enforce consumer protection laws, including laws that apply to banks in order to prohibit unfair, deceptive or abusive practices.  The CFPB has examination authority over all banks and savings institutions with more than $10 billion in assets.  Because the Company is below this threshold, the OCC continues to exercise primary examination authority over the Bank with regard to compliance with federal consumer protection laws and regulations.  The Dodd-Frank Act weakens the federal preemption rules that have been applicable to national banks and gives attorney generals for the states certain powers to enforce federal consumer protection laws.

In addition, the GLB Act requires all financial institutions to adopt privacy policies, restrict the sharing of nonpublic customer data with nonaffiliated parties and establishes procedures and practices to protect customer data from unauthorized access.  In addition, the FCRA, as amended by the FACT Act, includes provisions affecting the Company, the Bank, and their affiliates, including provisions concerning obtaining consumer reports, furnishing information to consumer reporting agencies, maintaining a program to prevent identity theft, sharing of certain information among affiliated companies, and other provisions.  The FACT Act requires persons subject to FCRA to notify their customers if they report negative information about them to a credit bureau or if they are granted credit on terms less favorable than those generally available.  The FRB and the Federal Trade Commission have extensive rulemaking authority under the FACT Act, and the Company and the Bank are subject to the rules that have been created under the FACT Act, including rules regarding limitations on affiliate marketing and implementation of programs to identify, detect and mitigate certain identity theft red flags.  The Bank is also subject to data security standards and data breach notice requirements issued by the OCC and other regulatory agencies.  The Bank has created policies and procedures to comply with these consumer protection requirements.

On January 10, 2013, the CFPB issued the final rules implementing the ability-to-repay and qualified mortgage (QM) provisions of the Truth in Lending Act, as amended by the Dodd-Frank Act (the “QM Rule”).  The ability-to-repay provision requires creditors to make reasonable, good faith determinations that borrowers are able to repay their mortgages before extending the credit based on a number of factors and consideration of financial information about the borrower derived from reasonably reliable third-party documents. Under the Dodd-Frank Act and the QM Rule, loans meeting the definition of “qualified mortgage” are entitled to a presumption that the lender satisfied the ability-to-repay requirements.  The presumption is a conclusive presumption/safe harbor for loans meeting the QM requirements, and a rebuttable presumption for higher-priced loans meeting the QM requirements.  The definition of a “qualified mortgage” incorporates the statutory requirements, such as not allowing negative amortization or terms longer than 30 years. The QM Rule also adds an explicit maximum 43% debt-to-income ratio for borrowers if the loan is to meet the QM definition, though some mortgages that meet government-sponsored enterprises, Federal Housing Administration, and Veterans Administration underwriting guidelines may, for a period not to exceed seven years, meet the QM definition without being subject to the 43% debt-to-income limits.  The QM Rule became effective on January 10, 2014 and the Bank has created policies and procedures to comply with these consumer protection requirements.

USA Patriot Act
The Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (“USA Patriot Act”) imposes obligations on U.S. financial institutions, including banks and broker-dealer subsidiaries, to implement policies, procedures and controls which are reasonably designed to detect and report instances of money laundering and the financing of terrorism.  In addition, provisions of the USA Patriot Act require the federal financial institution regulatory agencies to consider the effectiveness of a financial institution’s anti-money laundering activities when reviewing bank mergers and bank holding company acquisitions.  The USA Patriot Act also encourages information-sharing among financial institutions, regulators, and law enforcement authorities by providing an exemption from the privacy provisions of the GLB Act for financial institutions that comply with the provision of the Act.  Failure of a financial institution to maintain and implement adequate programs to combat money laundering and terrorist financing, or to comply with all of the relevant laws or regulations, could have serious legal, financial and reputational consequences for the institution.  The Company has approved policies and procedures that are designed to comply with the USA Patriot Act.


 
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Office of Foreign Assets Control Regulation
The United States has imposed economic sanctions that affect transactions with designated foreign countries, nationals and others administrated by the Treasury’s Office of Foreign Assets Control (“OFAC”).  The OFAC administered sanctions can take many different forms depending upon the country; however, they contain one or more of the following elements: (i) restrictions on trade with or investment in a sanctioned country, including prohibitions against direct or indirect imports from and exports to a sanctioned country and prohibitions on “U.S. persons” engaging in financial transactions relating to making investments in, or providing investment related advice or assistance to, a sanctioned country; and (ii) a blocking of assets in which the government or specially designated nationals of the sanctioned country have an interest, by prohibiting transfers of property subject to U.S. jurisdiction (including property in the possession or control of U.S. persons).  Blocked assets (e.g., property and bank deposits) cannot be paid out, withdrawn, set off or transferred in any manner without a license from OFAC.  Failure to comply with these sanctions could have serious legal, financial, and reputational consequences.

Sarbanes-Oxley Act of 2002
The Sarbanes-Oxley Act of 2002 (“Sarbanes-Oxley Act”) implemented a broad range of corporate governance, accounting and reporting reforms for companies that have securities registered under the Securities Exchange Act of 1934, as amended.  In particular, the Sarbanes-Oxley Act established, among other things: (i) new requirements for audit and other key Board of Directors committees involving independence, expertise levels, and specified responsibilities; (ii) additional responsibilities regarding the oversight of financial statements by the Chief Executive Officer and Chief Financial Officer of the reporting company; (iii) the creation of an independent accounting oversight board for the accounting industry; (iv) new standards for auditors and the regulation of audits, including independence provisions which restrict non-audit services that accountants may provide to their audit clients; (v) increased disclosure and reporting obligations for the reporting company and its directors and executive officers including accelerated reporting of company stock transactions; (vi) a prohibition of personal loans to directors and officers, except certain loans made by insured financial institutions on non-preferential terms and in compliance with other bank regulator requirements; and (vii) a range of new and increased civil and criminal penalties for fraud and other violation of the securities laws.

Electronic Fund Transfer Act
Effective July 1, 2010, a federal banking rule under the Electronic Fund Transfer Act prohibits financial institutions from charging consumers fees for paying overdrafts on automated teller machines and one-time debit card transactions, unless a consumer consents, or opts in, to the overdraft service for those types of transactions.  The new rule does not govern overdraft fees on the payment of checks and regular electronic bill payments.  The adoption of this regulation lowered fee income immediately after its effective date.

Community Reinvestment Act of 1977
Under the Community Reinvestment Act of 1977 (“CRA”), the Bank is required to help meet the credit needs of its communities, including low- and moderate-income neighborhoods.  Although the Bank must follow the requirements of CRA, it does not limit the Bank’s discretion to develop products and services that are suitable for a particular community or establish lending requirements or programs.  In addition, the Equal Credit Opportunity Act and the Fair Housing Act prohibits discrimination in lending practices.  The Bank’s failure to comply with the provisions of the CRA could, at a minimum, result in regulatory restrictions on its activities and the activities of the Company.  The Bank’s failure to comply with the Equal Credit Opportunity Act and the Fair Housing Act could result in enforcement actions against it by its regulators as well as other federal regulatory agencies and the Department of Justice.  The Bank’s latest CRA rating was “Satisfactory”.

The Bank Secrecy Act
The Bank Secrecy Act (“BSA”) requires all financial institutions, including banks and securities broker-dealers, to, among other things, establish a risk-based system of internal controls reasonably designed to prevent money laundering and the financing of terrorism.  The BSA includes a variety of recordkeeping and reporting requirements (such as cash and suspicious activity reporting), as well as due diligence/know-your-customer documentation requirements.  The Company has established an anti-money laundering program and taken other appropriate measures in order to comply with BSA requirements.

 
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Item 1A. Risk Factors

There are risks inherent in the Company’s business.  The material risks and uncertainties that management believes affect the Company are described below.  Adverse experience with these could have a material impact on the Company’s financial condition and results of operations.

Changes in interest rates affect our profitability, assets and liabilities.

The Company’s income and cash flow depends to a great extent on the difference between the interest earned on loans and investment securities, and the interest paid on deposits and borrowings.  Interest rates are highly sensitive to many factors that are beyond the Company’s control, including general economic conditions and policies of various governmental and regulatory agencies and, in particular, the FRB.  Changes in monetary policy, including changes in interest rates, could influence not only the interest we receive on loans and securities and the amount of interest we pay on deposits and borrowings, but such changes could also affect (1) our ability to originate loans and obtain deposits, which could reduce the amount of fee income generated, (2) the fair value of our financial assets and liabilities and (3) the average duration of the Company’s various categories of earning assets.  If the interest rates paid on deposits and other borrowings increase at a faster rate than the interest rates received on loans and other investments, our net interest income could be adversely affected, which in turn could negatively affect our earnings.  Earnings could also be adversely affected if the interest rates received on loans and other investments fall more quickly than the interest rates paid on deposit and other borrowings.  Although management believes it has implemented effective asset and liability management strategies to reduce the potential effects of changes in interest rates on the results of operations, any substantial, unexpected, prolonged change in market interest rates could have a material adverse effect on the financial condition and results of operations.

Current levels of market volatility remain higher than historical norms.

From December 2007 through June 2009, the U.S. economy was in recession.  During the last five years, the U.S. economy has experienced modest improvements, however, the capital, credit and financial markets have experienced significant volatility and disruption during the last five years. These conditions have had significant adverse effects on our national and local economies, including declining real estate values, a widespread tightening of the availability of credit, illiquidity in certain securities markets, increasing loan delinquencies, historically unfavorable consumer confidence and spending, and a slow recovery of manufacturing and service business activity.  The U.S. economy continued to experience turmoil (i.e. the uncertainty caused by the “fiscal cliff”, the adoption of The American Taxpayer Relief Act of 2012, and the extension of the debt ceiling) and management does not expect these market conditions to change meaningfully over the short term, and a continuation of these conditions could result in:
 
·  
A decrease in the demand for loans and other products and services offered
·  
A decrease in the value of loans held for sale or other assets secured by consumer or commercial real estate; and
·  
An increase in the number of customers who may become delinquent or default on their loans

The Company operates in a highly regulated environment and may be adversely affected by changes in laws and regulations.

The Company and its subsidiaries are subject to extensive state and federal regulation, supervision and legislation that govern nearly every aspect of its operations.  The Company, as a bank holding company, is subject to regulation by the FRB and its banking subsidiary is subject to regulation by the OCC.  These regulations affect deposit and lending practices, capital levels and structure, investment practices, dividend policy and growth.  In addition, the non-bank subsidiaries are engaged in providing investment management and insurance brokerage service, which industries are also heavily regulated on both a state and federal level.  Such regulators govern the activities in which the Company and its subsidiaries may engage.  These regulatory authorities have extensive discretion in connection with their supervisory and enforcement activities, including the imposition of restrictions on the operation of a bank, the classification of assets by a bank and the adequacy of a bank’s allowance for loan losses.  Any change in such regulation and oversight, whether in the form of regulatory policy, regulations, or legislation, could have a material impact on the Company and its operations.  Changes to the regulatory laws governing these businesses could affect the Company’s ability to deliver or expand its services and adversely impact its operations and financial condition.

In July 2010, the Dodd-Frank Act was signed into law. The Dodd-Frank Act is sweeping legislation intended to overhaul regulation of the financial services industry.  Its goals are to establish a new council of “systemic risk” regulators, create a new consumer protection division, empower the Federal Reserve to supervise the largest, most complex financial companies, allow the government to seize and liquidate failing financial companies, and give regulators new powers to oversee the derivatives market. The provisions of the Dodd-Frank Act are so extensive that full implementation may require several years, and an assessment of its full effect on the Company is not possible at this time.


 
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The Dodd-Frank Act also established the CFPB and authorizes it to supervise certain consumer financial services companies and large depository institutions and their affiliates for consumer protection purposes. Subject to the provisions of the Act, the CFPB has responsibility to implement, examine for compliance with, and enforce “Federal consumer financial law.” As a depository institution, the Company will be subject to the regulations promulgated by the CFPB, which will focus on the Company’s ability to detect, prevent, and correct practices that present a significant risk of violating the law and causing consumer harm.

The CFPB’s new QM Rule became effective on January 10, 2014.  The QM Rule is designed to clarify how lenders can manage the potential legal liability under the Dodd-Frank Act which would hold lenders accountable for insuring a borrower’s ability to repay a mortgage. Loans that meet this definition of “qualified mortgage” will be presumed to have complied with the new ability-to-repay standard.   The QM Rule on qualified mortgages and similar rules could limit the Bank’s ability to make certain types of loans or loans to certain borrowers, or could make it more expensive and time-consuming to make these loans, which could limit the Bank’s growth or profitability

Compliance with new laws and regulations will likely result in additional costs and/or decreases in revenue, which could adversely impact the Company’s results of operations, financial condition or liquidity.

The provisions of the Dodd-Frank Act restricting bank interchange fees, and any rules promulgated thereunder, may negatively impact our revenues and earnings.

Pursuant to the Dodd-Frank Act, the Federal Reserve adopted a rule, effective as of October 1, 2011, addressing interchange fees for debit card transactions that is expected to lower fee income generated from this source.  This rule limits interchange fees on debit card transactions to a maximum of 21 cents per transaction plus 5 basis points of the transaction amount.  A debit card issuer may recover an additional one cent per transaction for fraud prevention purposes if the issuer complies with certain fraud-related requirements prescribed by the Federal Reserve.  Although technically the fee caps rule only applies to institutions with assets in excess of $10 billion, it is expected that smaller institutions, such as the Company, may also be impacted due to market reaction.  The Company contracts with large debit card processors and clearing networks with which it could have weaker bargaining power due to the interchange fee limitations.  As a result of the Dodd-Frank Act, the Company expects to earn lower revenues on these types of transactions.

The Company may be subject to more stringent capital requirements.

As discussed above, Basel III and the Dodd-Frank Act require the federal banking agencies to establish stricter risk-based capital requirements and leverage limits for banks and bank holding companies.  Under the legislation, the federal banking agencies are required to develop capital requirements that address systemically-risky activities.  The capital rules must address, at a minimum, risks arising from significant volumes of activity in derivatives, securities products, financial guarantees, securities borrowing and lending and repurchase agreements; concentrations in assets for which reported values are based on models; and concentrations in market share for any activity that would substantially disrupt financial markets if the institutions were forced to unexpectedly cease the activity.  These requirements, and any other new regulations, could adversely affect the Company’s ability to pay dividends, or could require it to reduce business levels or to raise capital, including in ways that may adversely affect its results of operations or financial condition.

Regional economic factors may have an adverse impact on the Company’s business.

The Company’s main markets are located in the states of New York and Pennsylvania.  Most of the Company’s customers are individuals and small and medium-sized businesses which are dependent upon the regional economy.  Accordingly, the local economic conditions in these areas have a significant impact on the demand for the Company’s products and services as well as the ability of the Company’s customers to repay loans, the value of the collateral securing loans and the stability of the Company’s deposit funding sources.  A prolonged economic downturn in these markets could negatively impact the Company.

The Company faces strong competition from other banks and financial institutions, which can negatively impact its business.

The Company conducts its banking operations in a number of competitive local markets.  In those markets, it competes against commercial banks, savings banks, savings and loans associations, credit unions, mortgage banks, brokerage firms, and other financial institutions.  Many of these entities are larger organizations with significantly greater financial, management and other resources than the Company has, and they offer the same or similar banking or financial services that it offers in its markets.  Moreover, new and existing competitors may expand their business in or into the Company’s markets.  Increased competition in its markets may result in a reduction in loans, deposits and other sources of its revenues.  Ultimately, the Company may not be able to compete successfully against current and future competitors.


 
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The allowance for loan losses may be insufficient.

The Company’s business depends on the creditworthiness of its customers.  The Company  reviews the allowance for loan losses quarterly for adequacy considering economic conditions and trends, collateral values and credit quality indicators, including past charge-off experience and levels of past due loans and nonperforming assets.  If the Company’s assumptions prove to be incorrect, the Company’s allowance for loan losses may not be sufficient to cover losses inherent in the Company’s loan portfolio, resulting in additions to the allowance.  Material additions to the allowance would materially decrease its net income.  It is possible that over time the allowance for loan losses will be inadequate to cover credit losses in the portfolio because of unanticipated adverse changes in the economy, market conditions or events adversely affecting specific customers, industries or markets.

Changes in the equity markets could materially affect the level of assets under management and the demand for other fee-based services.

Economic downturns could affect the volume of income from and demand for fee-based services.  Revenue from the wealth management and benefit plan administration businesses depends in large part on the level of assets under management and administration.  Market volatility that can lead customers to liquidate investment, as well as lower asset values, can reduce our level of assets under management and administration and thereby decrease the Company’s investment management and administration revenues.

Mortgage banking income may experience significant volatility.

Mortgage banking income is highly influenced by the level and direction of mortgage interest rates, and real estate and refinancing activity.  In lower interest rate environments, the demand for mortgage loans and refinancing activity will tend to increase.  This has the effect of increasing fee income, but could adversely impact the estimated fair value of our mortgage servicing rights as the rate of loan prepayments increase.  In higher interest rate environments, the demand for mortgage loans and refinancing activity will generally be lower.  This has the effect of decreasing fee income opportunities.

The Company depends on dividends from its banking subsidiary for cash revenues, but those dividends are subject to restrictions.

The ability of the Company to satisfy its obligations and pay cash dividends to its shareholders is primarily dependent on the earnings of and dividends from the subsidiary bank.  However, payment of dividends by the bank subsidiary is limited by dividend restrictions and capital requirements imposed by bank regulations.  The ability to pay dividends is also subject to the continued payment of interest that the Company owes on its subordinated junior debentures.  As of December 31, 2013, the Company had $102 million of subordinated junior debentures outstanding.  The Company has the right to defer payment of interest on the subordinated junior debentures for a period not exceeding 20 quarters, although the Company has not done so to date.  If the Company defers interest payments on the subordinated junior debentures, it will be prohibited, subject to certain exceptions, from paying cash dividends on the common stock until all deferred interest has been paid and interest payments on the subordinated junior debentures resumes.

The risks presented by acquisitions could adversely affect the Company’s financial condition and result of operations.

The business strategy of the Company includes growth through acquisition.  Any other future acquisitions will be accompanied by the risks commonly encountered in acquisitions.  These risks include among other things: the difficulty of integrating operations and personnel, the potential disruption of our ongoing business, the inability of the Company’s management to maximize its financial and strategic position, the inability to maintain uniform standards, controls, procedures and policies, and the impairment of relationships with employees and customers as a result of changes in ownership and management.  Further, the asset quality or other financial characteristics of a company may deteriorate after the acquisition agreement is signed or after the acquisition closes.

The Company may be required to record impairment charges related to goodwill, other intangible assets and the investment portfolio.

The Company may be required to record impairment charges in respect to goodwill, other intangible assets and the investment portfolio.  Numerous factors, including lack of liquidity for resale of certain investment securities, absence of reliable pricing information for investment securities, the economic condition of state and local municipalities, adverse changes in the business climate, adverse actions by regulators, unanticipated changes in the competitive environment or a decision to change the operations or dispose of an operating unit could have a negative effect on the investment portfolio, goodwill or other intangible assets in future periods.
 
 
 
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During 2011, certain securities were downgraded, none of which resulted in an impairment charge to the Company.  These downgrades were primarily the result of Standard & Poor’s downgrade of the U.S. government from AAA to AA+.  However, any additional downgrades and credit watches may contribute to further declines in the fair value of these securities.  In addition, the measurement of the fair value of these securities involves significant judgment due to the complexity of the factors contributing to the measurement.  Market volatility makes measurement of the fair value even more difficult and subjective.  To the extent that any portion of the unrealized losses in the investment portfolio is determined to be other than temporary, and the loss is related to credit factors, the Company could be required to recognize a charge to earnings in the quarter during which such determination is made.

The Company’s financial statements are based in part on assumptions and estimates which, if incorrect, could cause unexpected losses in the future.

Pursuant to accounting principles generally accepted in the United States, the Company is required to use certain assumptions and estimates in preparing its financial statements, including in determining credit loss reserves, mortgage repurchase liability and reserves related to litigation, among other items.  Certain of the Company’s financial instruments, including available-for-sale securities and certain loans, among other items, require a determination of their fair value in order to prepare the Company’s financial statements.  Where quoted market prices are not available, the Company may make fair value determinations based on internally developed models or other means which ultimately rely to some degree on management judgment.  Some of these and other assets and liabilities may have no direct observable price levels, making their valuation particularly subjective, as they are based on significant estimation and judgment.  In addition, sudden illiquidity in markets or declines in prices of certain loans and securities may make it more difficult to value certain balance sheet items, which may lead to the possibility that such valuations will be subject to further change or adjustment.  If assumptions or estimates underlying the Company’s financial statements are incorrect, it may experience material losses.

The Company’s information systems may experience an interruption or security breach.

The Company relies heavily on communications and information systems to conduct its business.  The Company may be the subject of sophisticated and targeted attacks intended to obtain unauthorized access to assets or confidential information, destroy data, disable or degrade service, or sabotage systems, often through the introduction of computer viruses or malware, cyberattacks and other means.  Any failure, interruption or breach in security of these systems could result in failures or disruptions in the Company’s online banking system, its general ledger, and its deposit and loan servicing and origination systems.  Furthermore, if personal, confidential or proprietary information of customers or clients in the Company’s possession were to be mishandled or misused, the Company could suffer significant regulatory consequences, reputational damage and financial loss.  Such mishandling or misuse could include circumstances where, for example, such information was erroneously provided to parties who are not permitted to have the information, either by fault of the Company’s systems, employees, or counterparties, or where such information was intercepted or otherwise inappropriately taken by third parties.  The Company has policies and procedures designed to prevent or limit the effect of the possible failure, interruption or security breach of its information systems; however, any such failure, interruption or security breach could adversely affect the Company’s business and results of operations through loss of assets or by requiring it to expend significant resources to correct the defect, as well as exposing the Company to customer dissatisfaction and civil litigation, regulatory fines or penalties or losses not covered by insurance.

The Company may be adversely affected by the soundness of other financial institutions.

The Company owns common stock of FHLB in order to qualify for membership in the Federal Home Loan Bank  system, which enables it to borrow funds under the FHLB advance program.  The carrying value of the Company’s FHLB common stock was $12.1 million as of December 31, 2013.  There are 12 branches of the Federal Home Loan Bank system, including New York.  Several branches have warned that they have either breached risk-based capital requirement or that they are close to breaching those requirements.  To conserve capital, some Federal Home Loan Bank branches have suspended dividends, cut dividend payments, and have not redeemed excess Federal Home Loan Bank stock that members hold.  The FHLB has stated that they expect to be able to continue to pay dividends, redeem excess capital stock, and provide competitively priced advances currently and in the future.  Although most of the severe problems in the Federal Home Loan Bank system have been at the other Federal Home Loan Bank branches, nonetheless, the 12 Federal Home Loan Bank branches are jointly liable for the consolidated obligations of the Federal Home Loan Bank system.  To the extent that one Federal Home Loan Bank branch cannot meet its obligations to pay its share of the system’s debt, other Federal Home Loan Bank branches can be called upon to make any required payments.  Any such adverse effects on the FHLBNY could adversely affect the value of the Company’s investment in its common stock and negatively impact the Company’s results of operations.



 
15
 

The Company continually encounters technological change and may have to continue to invest in technological improvements.

The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services.  The effective use of technology increases efficiency and enables financial institutions to better serve customers and to reduce costs.  The Company’s future success depends, in part, upon its ability to address the needs of its customers by using technology to provide products and services that will satisfy customer demands as well as to create additional efficiencies in the Company’s operations.

Trading activity in the Company’s common stock could result in material price fluctuations.

The market price of the Company’s common stock may fluctuate significantly in response to a number of other factors including, but not limited to:
·  
Changes in securities analysts’ expectations of financial performance
·  
Volatility of stock market prices and volumes
·  
Incorrect information or speculation
·  
Changes in industry valuations
·  
Variations in operating results from general expectations
·  
Actions taken against the Company by various regulatory agencies
·  
Changes in authoritative accounting guidance by the Financial Accounting Standards Board or other regulatory agencies
·  
Changes in general domestic economic conditions such as inflation rates, tax rates, unemployment rates, labor and healthcare cost trend rates, recessions, and changing government policies, laws and regulations
·  
Severe weather, natural disasters, acts of war or terrorism and other external events

The Company’s ability to attract and retain qualified employees is critical to the success of its business, and failure to do so may have a materially adverse affect on the Company’s performance.

The Company’s employees are its most important resource, and in many areas of the financial services industry, competition for qualified personnel is intense.  The imposition on the Company or its employees of certain existing and proposed restrictions or taxes on executive compensation may adversely affect the Company’s ability to attract and retain qualified senior management and employees.  If the Company is unable to continue to retain and attract qualified employees, the Company’s performance, including its competitive position, could have a materially adverse affect.

Item 1B. Unresolved Staff Comments
None

Item 2.  Properties

The Company’s primary headquarters are located at 5790 Widewaters Parkway, Dewitt, New York, which is leased.  In addition, the Company has 213 properties located in the counties identified in the table on page 5, of which 134 are owned and 79 are under lease arrangements.  In total, the Company operates 183 full-service branches, 15 are other customer service facilities for our financial service subsidiaries and six are utilized for back office operations.  Some properties contain tenant leases or subleases.

Real property and related banking facilities owned by the Company at December 31, 2013 had a net book value of $57.7 million and none of the properties were subject to any material encumbrances.  For the year ended December 31, 2013, rental fees of $5.1 million were paid on facilities leased by the Company for its operations.  The Company believes that its facilities are suitable and adequate for the Company’s current operations.

Item 3.  Legal Proceedings

The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted.  As of December 31, 2013, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company’s consolidated financial position.  On at least a quarterly basis the Company assesses its liabilities and contingencies in connection with such legal proceedings.  For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements.  To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. Although not considered probable, the range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, was between $0 and $5 million. Although the Company does not believe that the outcome of pending litigation will be material to the Company’s consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.
 
 
 
16
 

The Bank was named a defendant in an action commenced October 30, 2013 which is pending in the United States District Court for the Middle District of Pennsylvania.  The plaintiff alleges that the notices provided to her in connection with the repossession of her automobile failed to comply with certain requirements of the applicable Uniform Commercial Code (UCC).  Plaintiff seeks to pursue the action as a class action on behalf of herself and other similarly situated plaintiffs who had their automobiles repossessed and seeks to recover statutory damages under the UCC. The Bank has filed a motion to dismiss the action on the basis of mootness and contests the allegation that the repossession notices were deficient. The Bank also maintains that the case should not proceed as a class action and will oppose class certification. At this time it is difficult to estimate when the action will be resolved. As set forth in the preceding paragraph, all current litigation matters, including this action, are within a range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, and are included in the range of reasonably possible losses set forth above.     

Item 4.  Mine Safety Disclosures

Not Applicable

Item 4A. Executive Officers of the Registrant

The executive officers of the Company and the Bank who are elected by the Board of Directors are as follows:

Name
Age
Position
Mark E. Tryniski
 
53
Director, President and Chief Executive Officer of the Company and the Bank.  Mr. Tryniski assumed his current position in August 2006. He served as Executive Vice President and Chief Operating Officer from March 2004 to July 2006 and as the Treasurer and Chief Financial Officer from June 2003 to March 2004. He previously served as a partner in the Syracuse office of PricewaterhouseCoopers LLP.
Scott Kingsley
 
49
Executive Vice President and Chief Financial Officer of the Company.  Mr. Kingsley joined the Company in August 2004 in his current position.  He served as Vice President and Chief Financial Officer of Carlisle Engineered Products, Inc., a subsidiary of the Carlisle Companies, Inc., from 1997 until joining the Company.
Brian D. Donahue
 
57
Executive Vice President and Chief Banking Officer.  Mr. Donahue assumed his current position in August 2004.  He served as the Bank’s Chief Credit Officer from February 2000 to July 2004 and as the Senior Lending Officer for the Southern Region of the Bank from 1992 until June 2004.
George J. Getman
57
Executive Vice President and General Counsel.  Mr. Getman assumed his current position in January 2008.  Prior to joining the Company, he was a partner with Bond, Schoeneck & King, PLLC and served as corporate counsel to the Company.


 
17
 

Part II

Item 5.  Market for the Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

The Company’s common stock has been trading on the New York Stock Exchange under the symbol “CBU” since December 31, 1997.  Prior to that, the common stock traded over-the-counter on the NASDAQ National Market under the symbol “CBSI” beginning on September 16, 1986. There were 40,431,318 shares of common stock outstanding on January 31, 2014, held by approximately 3,571 registered shareholders of record. The following table sets forth the high and low closing prices for the common stock, and the cash dividends declared with respect thereto, for the periods indicated.  The prices do not include retail mark-ups, mark-downs or commissions.

 
High
Low
Quarterly
Year / Qtr
Price
Price
Dividend
2013
      
4th
$40.27
$33.23
$0.28
3rd
$34.71
$31.12
$0.28
2nd
$30.85
$27.64
$0.27
1st
$29.92
$27.60
$0.27
       
2012
      
4th
$28.44
$25.66
$0.27
3rd
$29.30
$26.54
$0.27
2nd
$29.38
$25.55
$0.26
1st
$29.13
$26.36
$0.26
       

The Company has historically paid regular quarterly cash dividends on its common stock, and declared a cash dividend of $0.28 per share for the first quarter of 2014.  The Board of Directors of the Company presently intends to continue the payment of regular quarterly cash dividends on the common stock, as well as to make payment of regularly scheduled dividends on the trust preferred stock when due, subject to the Company's need for those funds.  However, because substantially all of the funds available for the payment of dividends by the Company are derived from the subsidiary Bank, future dividends will depend upon the earnings of the Bank, its financial condition, its need for funds and applicable governmental policies and regulations.
 

 
 
18
 

The following graph compares cumulative total shareholders returns on the Company’s common stock over the last five fiscal years to the S&P 600 Commercial Banks Index, the NASDAQ Bank Index, the S&P 500 Index, and the KBW Regional Banking Index. Total return values were calculated as of December 31 of each indicated year assuming a $100 investment on December 31, 2008 and reinvestment of dividends.
 


 
19
 

Equity Compensation Plan Information
The following table provides information as of December 31, 2013 with respect to shares of common stock that may be issued under the Company’s existing equity compensation plans.
 
     
Number of Securities
 
Number of
Weighted-average
Remaining Available
 
Securities to be
Exercise Price
For Future Issuance
 
Issued upon
of Outstanding
Under Equity
 
Exercise of
Options, Warrants
Compensation Plans
 
Outstanding Options,
  
(excluding securities
Plan Category
Warrants and Rights (1)
and Rights
reflected in column (a))
Equity compensation plans approved by security holders:
      
  1994 Long-term Incentive Plan
140,936
$19.45
3,689
  2004 Long-term Incentive Plan
2,394,920
$21.68
1,004,545
  Equity compensation plans not approved by security holders
0
0
0
     Total
2,535,856
$21.56
1,008,234
 
 (1) The number of securities includes unvested restricted stock issued of 260,965.
 
At its December 2012 meeting, the Board approved a new stock repurchase program authorizing the repurchase, at the discretion of senior management, of up to 2,000,000 shares of the Company’s common stock, in accordance with securities laws and regulations, during  a twelve-month period starting January 1, 2013. There were no treasury stock purchases in 2013.    At its December 2013 meeting, the Board approved a new stock repurchase program authorizing the repurchase, at the discretion of senior management, of up to 2,000,000 shares of the Company’s common stock, in accordance with securities laws and regulations, during  a twelve-month period starting January 1, 2014.  Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities.  The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company’s discretion.

The following table presents stock purchases made during the fourth quarter of 2013:

Issuer Purchases of Equity Securities
 
 
Total
  
Total Number of Shares
  
 
Number of
Average
Purchased as Part of
Maximum Number of Shares
Period
Shares
Purchased
Price Paid
Per share
Publicly Announced
Plans or Programs
That May Yet be Purchased
Under the Plans or Programs
October 1-31, 2013
        0
$ 0.00
0
2,000,000
November 1-30, 2013
        0
  0.00
0
2,000,000
December 1-31, 2013 (1)
        56
  34.08
0
2,000,000
  Total
         56
  $34.08
    
 
 (1) The common shares repurchased were acquired by the Company in connection with satisfaction of tax withholding obligations
      on vested restricted stock issued pursuant to the employee benefit plan. These shares were not repurchased as part of the
      publicly announced repurchase plan described above.

Item 6.  Selected Financial Data

The following table sets forth selected consolidated historical financial data of the Company as of and for each of the years in the five-year period ended December 31, 2013.  The historical information set forth under the captions “Income Statement Data” and “Balance Sheet Data” is derived from the audited financial statements while the information under the captions “Capital and Related Ratios”, “Selected Performance Ratios” and “Asset Quality Ratios” for all periods is unaudited.  All financial information in this table should be read in conjunction with the information contained in “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and with the Consolidated Financial Statements and the related notes thereto included elsewhere in this Annual Report on Form 10-K.


 
20
 

SELECTED CONSOLIDATED FINANCIAL INFORMATION

 
Years Ended December 31,
(In thousands except per share data and ratios)
2013
2012
2011
2010
2009
Income Statement Data:
          
Loan interest income
$188,197
$192,710
$192,981
$178,703
$185,119
Investment interest income
75,962
88,690
77,988
69,578
63,663
Interest expense
26,065
50,976
61,556
66,597
83,282
  Net interest income
238,094
230,424
209,413
181,684
165,500
Provision for loan losses
7,992
9,108
4,736
7,205
9,790
Noninterest income
108,748
98,955
89,283
88,792
83,528
Gain (loss) on investment securities & early retirement of long-term borrowings, net
(6,568)
291
(61)
0
7
Acquisition expenses, litigation settlement, and contract termination charges
2,181
8,247
4,831
1,365
1,621
Other noninterest expenses
219,074
203,510
185,541
175,521
184,557
Income before income taxes
111,027
108,805
103,527
86,385
53,067
     Net income
78,829
77,068
73,142
63,320
41,445
Diluted earnings per share (1)
1.94
           1.93
2.01
1.89
     1.26
           
Balance Sheet Data:
          
Cash equivalents
$11,288
$84,415
$203,082
$114,996
$257,812
Investment securities
2,218,725
2,818,527
2,151,370
1,742,324
1,487,127
Loans, net of unearned discount
4,109,083
3,865,576
3,471,025
3,026,363
3,099,485
Allowance for loan losses
(44,319)
(42,888)
(42,213)
(42,510)
(41,910)
Intangible assets
390,499
387,134
360,564
311,714
317,671
  Total assets
7,095,864
7,496,800
6,488,275
5,444,506
5,402,813
Deposits
5,896,044
5,628,039
4,795,245
3,934,045
3,924,486
Borrowings
244,010
830,134
830,329
830,484
856,778
Shareholders’ equity
875,812
902,778
774,583
607,258
565,697
           
Capital and Related Ratios:
          
Cash dividends declared per share
$1.10
$1.06
$1.00
$0.94
$0.88
Book value per share
21.66
22.78
20.94
18.23
17.25
Tangible book value per share (2)
12.80
13.72
11.85
9.49
8.09
Market capitalization (in millions)
1,604
1,084
1,028
925
633
Tier 1 leverage ratio
9.29%
8.40%
8.38%
8.23%
7.39%
Total risk-based capital to risk-adjusted assets
17.57%
16.20%
15.51%
14.74%
13.03%
Tangible equity to tangible assets (2)
7.68%
7.62%
7.12%
6.14%
5.20%
Dividend payout ratio
56.0%
54.3%
49.3%
49.2%
69.5%
Period end common shares outstanding
40,431
39,626
36,986
33,319
32,800
Diluted weighted-average shares outstanding
40,726
39,927
36,454
33,553
32,992
           
Selected Performance Ratios:
          
Return on average assets
1.09%
1.08%
1.18%
1.16%
0.78%
Return on average equity
9.04%
8.82%
10.36%
10.66%
7.46%
Net interest margin
3.91%
3.88%
4.07%
4.04%
3.80%
Noninterest income/operating income (FTE)
30.0%
28.6%
28.4%
31.1%
31.6%
Efficiency ratio (3)
59.3%
57.4%
57.6%
59.4%
65.5%
           
Asset Quality Ratios:
          
Allowance for loan losses/total loans
1.08%
1.11%
1.22%
1.40%
1.35%
Nonperforming loans/total loans
0.54%
0.75%
0.85%
0.61%
0.61%
Allowance for loan losses/nonperforming loans
201%
147%
144%
230%
222%
Loan loss provision/net charge-offs
122%
108%
94%
109%
131%
Net charge-offs/average loans
0.17%
0.23%
0.15%
0.21%
0.24%
 
 (1) Earnings per share amounts have been restated to reflect the effects of ASC 260-10-65.
 
 (2) The tangible book value per share and the tangible equity to tangible asset ratio excludes goodwill and identifiable intangible assets, adjusted for deferred tax liabilities
      generated from tax deductible goodwill.  The ratio is not a financial measurement required by accounting principles generally accepted in the United States of America.  
      However, management believes such information is useful to analyze the relative strength of the Company’s capital position and is useful to investors in evaluating
      Company performance.
 
 (3) Efficiency ratio provides a ratio of operating expenses to operating income.  It excludes intangible amortization, goodwill impairment, acquisition expenses, litigation
      settlement and contract termination charges from expenses and gains and losses on investment securities & early retirement of long-term borrowings from income while
      adding a fully-taxable equivalent adjustment. The efficiency ratio is not a financial measurement required by accounting principles generally accepted in the
      United States of America.  However, the efficiency ratio is used by management in its assessment of financial performance specifically as it relates to noninterest expense
      control.  Management also believes such information is useful to investors in evaluating Company performance.
 

 
 
21
 
 
Item 7.                       Management’s Discussion and Analysis of Financial Condition and Results of Operations

This Management’s Discussion and Analysis of Financial Condition and Results of Operations (“MD&A”) primarily reviews the financial condition and results of operations of the Company for the past two years, although in some circumstances a period longer than two years is covered in order to comply with SEC disclosure requirements or to more fully explain long-term trends.  The following discussion and analysis should be read in conjunction with the Selected Consolidated Financial Information on page 21 and the Company’s Consolidated Financial Statements and related notes that appear on pages 51 through 92.  All references in the discussion to the financial condition and results of operations are to the consolidated position and results of the Company and its subsidiaries taken as a whole.

Unless otherwise noted, all earnings per share (“EPS”) figures disclosed in the MD&A refer to diluted EPS; interest income, net interest income and net interest margin are presented on a fully tax-equivalent (“FTE”) basis.  The term “this year” and equivalent terms refer to results in calendar year 2013, “last year” and equivalent terms refer to calendar year 2012, and all references to income statement results correspond to full-year activity unless otherwise noted.

This MD&A contains certain forward-looking statements with respect to the financial condition, results of operations and business of the Company.  These forward-looking statements involve certain risks and uncertainties.  Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements are set herein under the caption “Forward-Looking Statements” on page 48.

Critical Accounting Policies

As a result of the complex and dynamic nature of the Company’s business, management must exercise judgment in selecting and applying the most appropriate accounting policies for its various areas of operations.  The policy decision process not only ensures compliance with the latest generally accepted accounting principles (“GAAP”), but also reflects management’s discretion with regard to choosing the most suitable methodology for reporting the Company’s financial performance.  It is management’s opinion that the accounting estimates covering certain aspects of the business have more significance than others due to the relative importance of those areas to overall performance, or the level of subjectivity in the selection process.  These estimates affect the reported amounts of assets and liabilities and disclosures of revenues and expenses during the reporting period.  Actual results could differ from these estimates.  Management believes that the critical accounting estimates include:

·  
Acquired loans – Acquired loans are initially recorded at their acquisition date fair values based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.

 
Acquired loans deemed impaired at acquisition are recorded in accordance with ASC 310-30,  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount, which represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.

For acquired loans that are not deemed impaired at acquisition, the difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans is consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan’s unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan losses is recognized. For loans individually evaluated for impairment, a provision is recorded when the required allowance exceeds any remaining discount on the loan.

·  
Allowance for loan losses – The allowance for loan losses reflects management’s best estimate of probable loan losses in the Company’s loan portfolio. Determination of the allowance for loan losses is inherently subjective.  It requires significant estimates including the amounts and timing of expected future cash flows on impaired loans, appraisal values of underlying collateral for collateral dependent loans, and the amount of estimated losses on pools of homogeneous loans which is based on historical loss experience and consideration of current economic trends, all of which may be susceptible to significant change.


 
22
 

·  
Investment securities – Investment securities are classified as held-to-maturity, available-for-sale, or trading.  The appropriate classification is based partially on the Company’s ability to hold the securities to maturity and largely on management’s intentions with respect to either holding or selling the securities.  The classification of investment securities is significant since it directly impacts the accounting for unrealized gains and losses on securities.  Unrealized gains and losses on available-for-sale securities are recorded in accumulated other comprehensive income or loss, as a separate component of shareholders’ equity and do not affect earnings until realized.  The fair values of investment securities are generally determined by reference to quoted market prices, where available.  If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.  Investment securities with significant declines in fair value are evaluated to determine whether they should be considered other-than-temporarily impaired.  An unrealized loss is generally deemed to be other-than-temporary and a credit loss is deemed to exist if the present value of the expected future cash flows is less than the amortized cost basis of the debt security.  The credit loss component of an other-than-temporary impairment write-down is recorded in earnings, while the remaining portion of the impairment loss is recognized in other comprehensive income (loss), provided the Company does not intend to sell the underlying debt security, and it is not more likely than not that the Company will be required to sell the debt security prior to recovery of the full value of its amortized cost basis.  During 2013, the Company sold certain held-to-maturity securities.  As a result of the transaction, the Company will not be able to use the held-to-maturity classification for the foreseeable future.

·  
Retirement benefits - The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees and officers.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including, but not limited to, discount rate, rate of future compensation increases, mortality rates, future health care costs and the expected return on plan assets.

·  
Provision for income taxes – The Company is subject to examinations from various taxing authorities.  Such examinations may result in challenges to the tax return treatment applied by the Company to specific transactions.  Management believes that the assumptions and judgments used to record tax-related assets or liabilities have been appropriate.  Should tax laws change or the taxing authorities determine that management’s assumptions were inappropriate, an adjustment may be required which could have a material effect on the Company’s results of operations.

·  
Intangible assets – As a result of acquisitions, the Company has acquired goodwill and identifiable intangible assets.  Goodwill represents the cost of acquired companies in excess of the fair value of net assets at the acquisition date.  Goodwill is evaluated at least annually, or when business conditions suggest impairment may have occurred and will be reduced to its carrying value through a charge to earnings if impairment exists.  Core deposits and other identifiable intangible assets are amortized to expense over their estimated useful lives.  The determination of whether or not impairment exists is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires them to select a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums and company-specific risk indicators, all of which are susceptible to change based on changes in economic and market conditions and other factors.  Future events or changes in the estimates used to determine the carrying value of goodwill and identifiable intangible assets could have a material impact on the Company’s results of operations.

A summary of the accounting policies used by management is disclosed in Note A, “Summary of Significant Accounting Policies”, starting on page 56.

Executive Summary

The Company’s business philosophy is to operate as a community bank with local decision-making, principally in non-metropolitan markets, providing a broad array of banking and financial services to retail, commercial and municipal customers.

The Company’s core operating objectives are: (i) grow the branch network, primarily through a disciplined acquisition strategy, and certain selective de novo expansions, (ii) build profitable loan and deposit volume using both organic and acquisition strategies, (iii) increase the non-interest income component of total revenue through development of banking-related fee income, growth in existing financial services business units, and the acquisition of additional financial services and banking businesses, and (iv) utilize technology to deliver customer-responsive products and services and to improve efficiencies.


 
23
 


Significant factors management reviews to evaluate achievement of the Company’s operating objectives and its operating results and financial condition include, but are not limited to: net income and earnings per share, return on assets and equity, net interest margins, noninterest income, operating expenses, asset quality, loan and deposit growth, capital management, performance of individual banking and financial services units, performance of specific product lines, liquidity and interest rate sensitivity, enhancements to customer products and services, technology advancements, market share changes, peer comparisons, and the performance of acquisition and integration activities.

On April 8, 2011, the Company acquired The Wilber Corporation, the parent company of Wilber National Bank (“Wilber”), for $103 million in stock and cash, comprised of $20.4 million in cash and the issuance of 3.35 million additional shares of the Company’s common stock.  Based in Oneonta, New York, Wilber operated 22 branches in the Central, Greater Capital District and Catskills regions of Upstate New York.  The acquisition added approximately $462 million of loans, $297 million of investment securities and $772 million of deposits.

On November 30, 2011, the Company, through its BPAS subsidiary, acquired certain assets and liabilities of CAI, a provider of actuarial, consulting and retirement plan administration services, with offices in New York City and Northern New Jersey.  The transaction adds valuable service capacity and enhances distribution prospects in support of the Company’s broader-based employee benefits business, including daily valuation plan and collective investment fund administration.

On July 20, 2012,  the  Bank completed its acquisition of 16 retail branches in central, northern and western New York from HSBC, acquiring approximately $106 million in loans and $697 million of deposits.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing loans primarily residential real estate loans.  Under the terms of the purchase agreement, the Bank paid First Niagara (who acquired HSBC’s Upstate New York banking business and assigned its right to purchase the 16 branches to the Bank) a blended deposit premium of 3.4%, or approximately $24 million.

On September 7, 2012, the Bank completed its acquisition of three branches in central New York from First Niagara, acquiring approximately $54 million of loans and $101 million of deposits.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing loans, primarily residential real estate loans. Under the terms of the purchase agreement, the Bank paid a blended deposit premium of 3.1%, or approximately $3 million.

In support of the HSBC and First Niagara branch acquisitions, the Company completed a public common stock offering in late January 2012 and raised $57.5 million through the issuance of 2.13 million shares.  The net proceeds of the offering were approximately $54.9 million.

On December 13, 2013,  the Bank  completed its acquisition of eight retail branch-banking locations across its Northeast Pennsylvania markets from B of A, acquiring approximately $0.9 million in loans and $303 million of deposits.  The assumed deposits consist of $220 million of core deposits (checking, savings and money market accounts) and $83 million of time deposits.  Under the terms of the purchase agreement, the Bank paid B of A a blended deposit premium of 2.4%, or approximately $7.3 million.

The Company reported net income for the year ended December 31, 2013 of $78.8 million or 2.3% above 2012’s reported net income of $77.1 million.  Earnings per share of $1.94 for the full year 2013 were $0.01 above the prior year level.  The increase in net income was due to higher revenue from both increased net interest income and higher non-interest income, a lower provision for loan losses, and lower acquisition and litigation settlement expenses.  Offsetting higher revenue was increased operating expenses and a net loss on the sale of investment securities and debt extinguishments.  The 2013 results included $2.2 million or $0.4 per share of acquisition expenses related to the B of A branch acquisition and $6.6 million or $0.12 per share net loss on the sale of investment securities and debt extinguishments.  This compares to the 2012 results which included $5.7 million or $0.10 per share of acquisition expenses related to the HSBC and First Niagara branch acquisitions and a $2.5 million or $0.05 per share litigation settlement charge.  The loss in 2013 on the sale of investment securities and debt extinguishments resulted from the sale of the Company’s portfolio of bank and insurance trust preferred collateralized debt obligation (CDO) securities in response to the uncertainties created by the initial announcement of the final rules implementing Section 619 of the Dodd-Frank Act, commonly known as the “Volcker Rule.”  The litigation settlement charge in 2012 pertains to the settlement of a class action lawsuit related to the processing of retail debit card transactions and its impact on overdraft fees.
 
Asset quality remained favorable in 2013, with lower year-end net loan charge-off ratios, non-performing loan ratios and loan delinquency ratios as compared to 2012.  The Company experienced year-over-year growth in average interest-earning assets, reflective of strong organic loan growth and the HSBC and First Niagara branch acquisitions, completed in the third quarter of 2012, partially offset by a balance sheet restructuring in the first half of 2013 whereby certain longer duration investment securities were sold and a portion of the Company existing FHLB borrowings were retired.  Average deposits increased in 2013 as compared to 2012, reflective of the HSBC and First Niagara branch acquisitions and organic growth in core deposits, offset by a reduction in time deposit balances.  Average external borrowings in 2013 decreased from 2012 reflective of the Company’s balance sheet restructuring program during the first half of the year.
 

 
 
24
 
 
During the fourth quarter, the Company announced that its subsidiary, Harbridge, reached an agreement to acquire a professional services practice from EBS-RMSCO, Inc., a subsidiary of The Lifetime Healthcare Companies.  This professional services practice, which provides actuarial valuation and consulting services to clients who sponsor pension and post-retirement medical and welfare plans, enhances the Company’s participation in the Western New York marketplace and is expected to add incremental revenue of approximately $1.2 million annually.  The transaction was completed as planned on January 1, 2014.
 
Net Income and Profitability

Net income for 2013 was $78.8 million, an increase of $1.8 million, or 2.3%, from 2012’s earnings of $77.1 million.  Earnings per share for 2013 were $1.94, up $0.01 from 2012’s earnings per share of $1.93.  The 2013 results included $6.6 million or $0.12 per share net loss on the sale of certain investment securities and debt extinguishments resulting from the sale of the Company’s portfolio of CDO securities in response to the uncertainties created by the December 2013 announcement of the final rules implementing the Volker Rule as well as $2.2 million or $0.04 per share of acquisition expenses related to the B of A branch acquisition in December 2013.  The 2012 results included $5.7 million, or $0.10 per share, of acquisition expenses related principally to the HSBC and First Niagara branch acquisitions, which were completed in the third quarter of 2012, as well as a $2.5 million or $0.05 per share litigation settlement charge.
 
 
Net income for 2012 was $77.1 million, up $3.9 million or 5.4% from 2011’s earnings of $73.1 million.  Earnings per share for 2012 were $1.93, down 4.0% from 2011’s earnings per share of $2.01.  The 2012 results included $5.7 million, or $0.10 per share of acquisition expenses principally related to the Company’s acquisition of the HSBC and First Niagara branch acquisitions, as well as a $2.5 million or $0.05 per share litigation settlement charge.  The 2011 results included $4.8 million or $0.09 per share of acquisition expenses, associated with the Wilber acquisition completed in April 2011.  Fully diluted shares outstanding increased 9.5% in 2012 over 2011, due principally to the full-year impact of the shares issued in the Wilber acquisition in early 2011 and the additional shares issued in early 2012 in support of the HSBC and First Niagara branch acquisitions.

Table 1: Condensed Income Statements

 
Years Ended December 31,
(000’s omitted, except per share data)
2013
2012
2011
2010
2009
Net interest income
$238,094
$230,424
$209,413
$181,684
$165,500
Provision for loan losses
7,992
9,108
4,736
7,205
9,790
Gain on sales of investment securities, net
80,768
291
30
0
7
Loss on debt extinguishments
87,336
0
91
0
0
Noninterest income
108,748
98,955
89,283
88,792
83,528
Acquisition expenses, litigation settlement, and contract termination charges
2,181
8,247
4,831
1,365
1,621
Other noninterest expenses
219,074
203,510
185,541
175,521
184,557
Income before taxes
111,027
108,805
103,527
86,385
53,067
Income taxes
32,198
31,737
30,385
23,065
11,622
Net income
$78,829
$77,068
$73,142
$63,320
$41,445
           
Diluted weighted average common shares outstanding
40,726
39,927
36,454
33,553
32,992
Diluted earnings per share
$1.94
$1.93
$2.01
$1.89
$1.26

The Company operates in three business segments: banking, employee benefit services and wealth management services.  Employee benefit services, which includes BPAS, Harbridge and HB&T provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA/HRA and health and welfare consulting services.  Employee benefit services provides services to 3,600 plan sponsors and 350,000 participants, holds $16 billion in assets under custody or administration, employs 235 professionals and operates out of nine offices located throughout the U.S. and Puerto Rico.  Wealth management services activities include trust services provided by the personal trust unit within CBNA, investment and insurance products and services provided by CISI and CBNA Insurance and asset advisory services provided by Nottingham.  The banking segment provides a wide array of lending and depository-related products and services to individuals, businesses, and municipal enterprises.  In addition to general liquidity and intermediation services, the Banking segment provides treasury management solutions, capital financing products, and payment processing services.  For additional financial information on the Company’s segments, refer to Note T: Segment Information in the Notes to Consolidated Financial Statements.


 
25
 

The primary factors explaining 2013 earnings performance are discussed in the remaining sections of this document and are summarized as follows:

Banking
·  
As shown in Table 1 above, net interest income increased $7.7 million, or 3.3%, due to a $94.9 million increase in average earning assets and a three-basis point increase in the net interest margin.  Average loans grew $326.5 million due to strong organic growth in the consumer mortgage, consumer indirect, direct and business lending portfolios, as well as loans acquired in the HSBC and First Niagara branch transactions.  Partially offsetting the strong loan growth was a decrease in the average book value of investments, including cash equivalents of $231.6 million or 8.4% due to the balance sheet restructuring in the first half of 2013 and the sale of the CDO portfolio in December in response to the final rules implementing the Volcker Rule.  Average interest-bearing deposits increased $322.9 million or 7.6% due to the HSBC, First Niagara, and B of A branch acquisitions and organic core deposit growth.  Average borrowings decreased $380.4 million or 40% as compared to the prior year, primarily due to the balance sheet restructuring in the first half of 2013.

·  
The loan loss provision of $8.0 million decreased $1.1 million or 12%, from the prior year level.  Net charge-offs of $6.6 million decreased by $1.9 million or 22% from 2012, lowering the net charge-off ratio (net charge-offs / total average loans) six basis points to 0.17% for the year.  Nonperforming loans as a percentage of total loans and nonperforming assets as a percentage of loans and other real estate owned, decreased 21 and 22 basis points, respectively, as of December 31, 2013 as compared to December 31, 2012 and remain well below averages for the Company’s peers.  Additional information on trends and policy related to asset quality is provided in the asset quality section on pages 39 through 43.

·  
Excluding gain on sale of investment securities and loss on debt extinguishments, banking noninterest income for 2013 of $54.6 million increased by $4.5 million, or 8.9%, from 2012’s level due to both organic and acquired growth.  Fees from banking services were $3.2 million or 7.3%, higher primarily due to higher debit card related revenue and the banking acquisitions completed over the last two years.  Additionally, mortgage banking revenue increased $0.8 million in 2013 and included the recovery of $0.4 million of previously recorded valuation allowances related to mortgage servicing rights.
 
·  
Total banking noninterest expenses, including acquisition expenses, litigation settlement, and contract termination charges increased $7.8 million, or 4.6%, in 2013 to $178.7 million, reflective of acquired and organic growth initiatives and investments in technology infrastructure over the past two years.  Excluding acquisition expenses, litigation settlement, and contract termination charges, banking noninterest expenses increased $13.9 million or 8.5% due in most part to the three acquisitions completed over the last two years.

Employee Benefit Services
·  
Employee benefit services revenue for 2013 of $39.5 million increased $2.8 million or 7.5% from the prior year level benefiting from new and expanded customer relationships, along with positive equity market influences.

·  
The growth in employee benefit services noninterest expenses for 2013, which totaled $31.7 million, was limited to $0.3 million or 0.9% from the prior year level due to the successful integration of the CAI business acquired in late 2011 and the full year effect of certain operating efficiencies implemented during 2012.

Wealth Management Services
·  
Wealth management services revenue for 2013 of $16.3 million increased $2.7 million or 20% from the prior year level due to positive market conditions, as well as additional resources and customers from both organic and acquired growth initiatives.

·  
Wealth management services noninterest expenses of $12.5 million increased $1.5 million or 14% from the prior year level to support the acquired and organic revenue growth.

 
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Selected Profitability and Other Measures

Return on average assets, return on average equity, dividend payout and equity to asset ratios for the years indicated are as follows:
 
Table 2: Selected Ratios

 
2013
2012
2011
Return on average assets
1.09%
1.08%
1.18%
Return on average equity
9.04%
8.82%
10.36%
Dividend payout ratio
56.0%
54.3%
49.3%
Average equity to average assets
12.11%
12.22%
11.42%

As displayed in Table 2 above, both the return on average assets and the return on average equity increased in 2013 as compared to 2012 and remained below the 2011 ratios.  The increase in return on average assets was the result of net income increasing at a faster pace than average assets due in large part to noninterest income growth and a lower provision for loan losses.  The increase in return on average equity was due to increased net income while average equity declined primarily due to the balance sheet restructure in the first half of the year and market-related changes in the unrealized gains and losses on the available-for-sale portfolio during the year.  The decrease in return on average assets and return on average equity in 2012 as compared to 2011 was a result of net income growing at a slower pace than average assets and average equity, both of which grew significantly as a result of acquisitions, capital raised to support the transactions, organic growth, higher retained earnings and a significant increase in the unrealized gains on available-for-sale investment securities.  The corresponding net income was negatively impacted by a declining net interest margin and non-recurring costs associated with the acquisitions and the litigation settlement charge in 2012.

The dividend payout ratio for 2013 increased 1.7 percentage points from 2012 as dividends declared increased 5.4% primarily as a result of a 3.8% increase in the dividends declared per share as well as the additional 0.8 million shares issued in conjunction with the employee stock plan, while net income increased at a smaller 2.2% rate from 2012.  The five percentage point increase in the dividend payout ratio in 2012 as compared to 2011 was the result of a 16% increase in dividends declared while net income increased at a slower 5.4% pace.  The increase in the dividends declared was a result of a 6.0% increase in the dividends declared per share as well as the additional 2.1 million shares issued in conjunction with the public stock offering in January 2012 and the 3.4 million shares issued in conjunction with the Wilber acquisition in the second quarter of 2011.
 
Net Interest Income

Net interest income is the amount that interest and fees on earning assets (loans, investments and interest-bearing cash) exceeds the cost of funds, which consists primarily of interest paid to the Company's depositors and interest on external borrowings.  Net interest margin is the difference between the gross yield on earning assets and the cost of interest-bearing funds as a percentage of earning assets.

As disclosed in Table 3, net interest income (with nontaxable income converted to a fully tax-equivalent basis) totaled $253.2 million in 2013, up $5.8 million, or 2.4%, from the prior year a result of a $94.9 million increase in average interest-earning assets, a three-basis point increase in net interest margin and a $57.5 million decrease in average interest-bearing liabilities.  As reflected in Table 4, the increase in interest-earning assets, the decrease in interest bearing liabilities and the lower rate on interest-bearing liabilities had a $29.3 million favorable impact that was partially offset by a $23.5 million unfavorable impact from the decrease in the yield on interest-bearing assets.

The net interest margin increased three basis points from 3.88% in 2012 to 3.91% in 2013.  This increase was attributable to a 47-basis point decrease in the cost of interest-bearing liabilities having a greater impact than a 36-basis point decrease in earning-asset yields.  The yield on loans decreased 56 basis points in 2013 to 4.78% from 5.34% in 2012, due to new loan volume carrying lower yields in the current low-rate environment than the loans maturing or being prepaid, as well as certain adjustable rate loans repricing downward.  The yield on investments, including cash equivalents, decreased from 3.80% in 2012 to 3.58% in 2013.  During the first six months of 2013, the Company sold $648.7 million of U.S. Treasury and agency securities, with an average yield of 2.78%, realizing $63.8 million of gains. The proceeds were utilized to retire $501.6 million of FHLB borrowings with an average cost of 4.15% that had $63.5 million of associated early extinguishments costs.  These actions enhanced the Company’s regulatory capital position, while positively impacting expected future net interest income generation.  During the first nine months of the year, the Company purchased $650 million of U.S. Treasury securities with an average yield of 2.49% in anticipation of the excess funding expected from the pending branch acquisition and certain other expected contractual cash flows.  The cost of funding, including the impact of non-interest checking deposits, decreased 41 basis points during 2013 to 0.42% as compared to 0.83% for 2012.  The decreased cost of funds was reflective of the extinguishment of the higher rate FHLB borrowings previously discussed, as well as continued disciplined deposit pricing, whereby interest rates on essentially all deposit account categories were lowered throughout 2013 and 2012 in response to market conditions.  Additionally, the proportion of customer deposits in higher cost time deposits declined 2.9 percentage points in 2013, while the percentage of deposits in non-interest bearing and lower cost checking accounts correspondingly increased.
 
 
 
27
 
 
The net interest margin in 2012 was 3.88%, compared to 4.07% in 2011.  This 19-basis point decrease was primarily attributable to a 51-basis point decrease in the earning-asset yields having a greater impact than a 37-basis point decrease in the cost of interest-bearing liabilities.  The yield on loans decreased 44 basis points in 2012 to 5.34% from 5.78% in 2011, mostly as a result of the low interest rate environment.  The yield on investments, including cash equivalents, decreased from 4.27% in 2011 to 3.80% in 2012, largely a result of the purchase during 2012 of $899 million of U.S. Treasury, obligations of state and political subdivisions and other securities with an average yield of 2.7%.  The decreased cost of funds was reflective of disciplined deposit pricing, whereby interest rates on selected categories of deposit accounts were lowered throughout 2011 and 2012 in response to market conditions.  The cost of funding, including the impact of non-interest checking deposits, decreased 31 basis points during 2012 to 0.83% from 1.14% for 2011.

As shown in Table 3, total interest income decreased by $19.1 million, or 6.4% in 2013 in comparison to 2012. Table 4 indicates that higher average earning assets created $4.4 million of incremental interest income, offset by lower yields with a negative impact of $23.5 million.  Average loans increased a total of $326.5 million in 2013, primarily as result of strong organic growth in the consumer mortgage and consumer indirect portfolios, as well as the full year impact of the loans added in the HSBC and First Niagara branch acquisitions in the third quarter of 2012.  Loan interest income and fees decreased $4.7 million or 2.4% in 2013 as compared to 2012, attributable to the 56-basis point decrease in loan yields, partially offset by higher average loan balances.  On an FTE basis, investment interest income, including interest on average cash equivalents of $90.0 million in 2013, was $14.4 million or 13.8% lower than the prior year as a result of a smaller portfolio and a 22-basis point decrease in the investment yield.  Average investments for 2013, including cash equivalents, were $231.6 million lower than 2012, reflective of the balance sheet restructure in the first half of 2013, partially offset by the purchase of U.S. Treasury securities in anticipation of the excess funding expected from the branch acquisition completed in the fourth quarter of 2013.

Total interest income increased by $11.7 million, or 4.1%, in 2012 from 2011’s level.  Table 4 indicates that higher average earning assets contributed a positive $41.4 million variance, offset by lower yields with a negative impact of $29.7 million.  Average loans increased a total of $272.7 million in 2012, primarily as result of strong organic growth in the consumer mortgage and consumer indirect portfolios, as well as loans added in the HSBC and First Niagara branch acquisitions.  Loan interest income and fees decreased slightly in 2012 as compared to 2011, attributable to the 44-basis point decrease in loan yields, partially offset by higher average loan balances.  Investment interest income, including cash equivalents, on an FTE basis of $104.5 million in 2012 was $11.8 million or 12.7% higher than the prior year as a result of a larger portfolio, partially offset by a 47-basis point decrease in the investment yield.  Average investments, including cash equivalents, for 2012 were $576.2 million higher than 2011, reflective of the deployment of excess funding supplied by the HSBC and First Niagara branch acquisitions and organic deposit growth.

Total average funding (deposits and borrowings) in 2013 increased $72.8 million or 1.2%.  Average deposits increased $453.2 million, of which approximately $359.3 million was attributable to the HSBC and First Niagara branch acquisitions, $14.8 million was attributable to the B of A acquisition and the remaining $79.1 million was attributable to organic deposit growth.  Consistent with the Company’s funding mix objective and customers unwillingness to commit to less liquid instruments in the low rate environment, average core deposit balances increased $575.4 million, while time deposits declined $122.2 million year-over-year.  Average external borrowings decreased $380.4 million in 2013 as compared to the prior year, reflective of the restructuring program in the first half of 2013 which retired $501.6 million of FHLB borrowings, partially offset by the initiative in the second and third quarter of 2013 to use short-term borrowings to pre-invest a portion of the liquidity expected from the branch acquisition in the fourth quarter of 2013.  In 2012, total average funding increased $769.4 million or 14%.  Deposits increased $655.1 million, $345 million due to the HSBC and First Niagara acquisitions, $209 million attributable to the Wilber acquisition and $101 million due to organic growth.  Consistent with the Company’s funding mix objective, average core deposit balances increased $693.8 million, while time deposits were managed downward $38.7 million over the year.  Average external borrowings increased $114.4 million in 2012 as compared to the prior year as the Company pre-invested (and borrowed) during the first half of 2012 a portion of the liquidity ultimately received from the branch acquisitions in the third quarter.

Total interest expense decreased by $24.9 million to $26.1 million in 2013.  As shown in Table 4, lower interest rates on deposits and external borrowings resulted in $24.4 million of this decrease, while lower external borrowing balances, partially offset by higher deposit balances accounted for a decrease of $0.6 million in interest expense.  Interest expense as a percentage of earning assets decreased by 40 basis points to 0.40%.  The rate on interest-bearing deposits decreased 19 basis points to 0.24% due to the reduction of rates in all interest-bearing categories throughout 2012 and 2013 and the previously discussed decline of higher rate time deposit balances.  The rate on external borrowings decreased 76 basis points to 2.70% in 2013 primarily due to the balance sheet restructuring in the first half of 2013 which retired $501.6 million of FHLB borrowings and by the initiative in the second and third quarter of 2013 to use short-term borrowings to pre-invest a portion of the liquidity expected from the branch acquisition in the fourth quarter of 2013.  Total interest expense decreased by $10.6 million to $51.0 million in 2012 as compared to 2011.  Lower interest rates on interest-bearing liabilities accounted for $18.0 million of this decrease, while the higher interest-bearing liability balances accounted for an increase of $7.4 million in interest expense.  In 2012, the rate on interest-bearing deposits decreased 27 basis points to 0.43% and the rate on external borrowings decreased 79 basis points from 2011 to 3.46%.
 
 
 
28
 
 
The following table sets forth information related to average interest-earning assets and interest-bearing liabilities and their associated yields and rates for the years ended December 31, 2013, 2012 and 2011.  Interest income and yields are on a fully tax-equivalent basis using marginal income tax rates of 39.1% in 2013 and 38.8% in 2012 and 2011.  Average balances are computed by totaling the daily ending balances in a period and dividing by the number of days in that period.  Loan yields and amounts earned include loan fees.  Average loan balances include nonaccrual loans and loans held for sale.


Table 3: Average Balance Sheet
 
 
Year Ended December 31, 2013
  
Year Ended December 31, 2012
  
Year Ended December 31, 2011
     
Avg.
      
Avg.
      
Avg.
 
Average
  
Yield/Rate
  
Average
  
Yield/Rate
  
Average
  
Yield/Rate
(000's omitted except yields and rates) 
Balance
Interest
Paid
  
Balance
Interest
Paid
  
Balance
Interest
Paid
                       
Interest-earning assets:
                      
   Cash equivalents
$62,584
$159
0.25%
  
$126,714
$330
0.26%
  
$202,885
$503
0.25%
   Taxable investment securities (1)
1,806,137
56,646
3.14%
  
1,939,998
66,857
3.45%
  
1,398,437
56,982
4.07%
   Nontaxable investment securities (1)
645,464
33,242
5.15%
  
679,119
37,278
5.49%
  
568,295
35,207
6.20%
   Loans (net of unearned discount)(2)
3,954,515
189,172
4.78%
  
3,628,006
193,841
5.34%
  
3,355,286
193,951
5.78%
       Total interest-earning assets
6,468,700
279,219
4.32%
  
6,373,837
298,306
4.68%
  
5,524,903
286,643
5.19%
Noninterest-earning assets
732,347
      
780,497
      
659,267
    
     Total assets
$7,201,047
      
$7,154,334
      
$6,184,170
    
                       
Interest-bearing liabilities:
                      
   Interest checking, savings and money market deposits
$3,614,722
3,773
0.10%
  
$3,169,651
6,895
0.22%
  
$2,640,239
10,103
0.38%
   Time deposits
940,095
6,959
0.74%
  
1,062,307
11,267
1.06%
  
1,101,013
16,053
1.46%
   Borrowings
567,079
15,333
2.70%
  
947,454
32,814
3.46%
  
833,075
35,400
4.25%
     Total interest-bearing liabilities
5,121,896
26,065
0.51%
  
5,179,412
50,976
0.98%
  
4,574,327
61,556
1.35%
Noninterest-bearing liabilities:
                      
   Noninterest checking deposits
1,119,935
      
989,631
      
825,277
    
   Other liabilities
86,920
      
111,051
      
78,221
    
Shareholders' equity
872,296
      
874,240
      
706,345
    
     Total liabilities and shareholders' equity
$7,201,047
      
$7,154,334
      
$6,184,170
    
                       
Net interest earnings
  
$253,154
      
$247,330
      
$225,087
  
                       
Net interest spread
    
3.81%
      
3.70%
      
3.84%
Net interest margin on interest-earning assets
    
3.91%
      
3.88%
      
4.07%
                       
Fully tax-equivalent adjustment
  
$15,060
      
$16,906
      
$15,674
  
 
 (1) Averages for investment securities are based on historical cost and the yields do not give effect to changes in fair value that is reflected as a component of  
     shareholders’ equity and deferred taxes.
 (2)  Includes nonaccrual loans.  The impact of interest and fees not recognized on nonaccrual loans was immaterial.
 

 
29
 

As discussed above, the change in net interest income (fully tax-equivalent basis) may be analyzed by segregating the volume and rate components of the changes in interest income and interest expense for each underlying category.

Table 4: Rate/Volume
 
 
2013 Compared to 2012
  
2012 Compared to 2011
 
Increase (Decrease) Due to Change in (1)
  
Increase (Decrease) Due to Change in (1)
     
Net
      
Net
(000's omitted)
Volume
Rate
Change
  
Volume
Rate
Change
Interest earned on:
              
  Cash equivalents
($164)
($7)
($171)
  
($198)
$25
($173)
  Taxable investment securities
(4,433)
(5,778)
(10,211)
  
19,633
(9,758)
9,875
  Nontaxable investment securities
(1,796)
(2,240)
(4,036)
  
6,372
(4,301)
2,071
  Loans (net of unearned discount)
16,600
(21,269)
(4,669)
  
15,146
(15,256)
(110)
Total interest-earning assets (2)
4,385
(23,472)
(19,087)
  
41,411
(29,748)
11,663
               
Interest paid on:
              
  Interest checking, savings and
    money market deposits
861
(3,983)
(3,122)
  
1,749
(4,957)
(3,208)
  Time deposits
(1,188)
(3,120)
(4,308)
  
(546)
(4,240)
(4,786)
  Borrowings
(11,306)
(6,175)
(17,481)
  
4,477
(7,063)
(2,586)
Total interest-bearing liabilities (2)
(560)
(24,351)
(24,911)
  
7,421
(18,001)
(10,580)
               
Net interest earnings (2)
3,701
2,123
5,824
  
33,331
(11,088)
22,243

 
(1) The change in interest due to both rate and volume has been allocated to volume and rate changes in proportion to
     the relationship of the absolute dollar amounts of change in each.
 
(2) Changes due to volume and rate are computed from the respective changes in average balances and rates of the totals;
     they are not a summation of the changes of the components.

Noninterest Income

The Company’s sources of noninterest income are of three primary types: 1) general banking services related to loans, deposits and other core customer activities typically provided through the branch network and electronic banking channels (performed by CBNA); 2) employee benefit services (performed by BPAS); and 3) wealth management services, comprised of trust services (performed by the personal trust unit within CBNA), investment and insurance products and services (performed by CISI and CBNA Insurance), and asset advisory services (performed by Nottingham).  Additionally, the Company has periodic transactions, most often net gains (losses) from the sale of investment securities and prepayment of debt instruments.

Table 5: Noninterest Income

 
Years Ended December 31,
(000's omitted except ratios)
2013
2012
2011
Employee benefit services
$38,596
$35,946
$31,601
Deposit service charges and fees
28,595
26,840
25,658
Electronic banking
18,480
17,025
14,784
Wealth management services
15,550
12,876
10,697
Other banking revenues
5,854
5,425
4,808
Mortgage banking
1,673
843
1,735
     Subtotal
108,748
98,955
89,283
Gain on sales of investment securities, net
80,768
291
30
Loss on debt extinguishments
(87,336)
0
(91)
      Total noninterest income
$102,180
$99,246
$89,222
       
Noninterest income/operating income (FTE basis) (1)
30.0%
28.6%
28.4%

(1) For purposes of this ratio noninterest income excludes gain on sales of investment
     securities and loss on debt extinguishments. Operating income is defined as net
     interest income on a fully-tax equivalent basis, plus noninterest income, excluding
     gain on sales of investment securities and loss on debt extinguishments.
 

 
 
30
 
 
As displayed in Table 5, noninterest income, excluding security gains and losses and debt extinguishments costs, of $108.7 million for 2013 increased by $9.8 million, comprised of growth in revenue from the Company’s financial services businesses,  increased debit card related income, higher banking fees due to the HSBC and First Niagara branch acquisitions and higher mortgage banking income.  Total noninterest income, excluding security gains and losses and debt extinguishments costs, increased by 10.8% to $99.0 million in 2012 as compared to 2011, largely as a result of growth in revenue from the Company’s financial services businesses, primarily from the CAI acquisition completed in December 2011, increased debit card related income, incremental revenue produced by the acquired Wilber trust operations, higher banking fees due to the HSBC, First Niagara and Wilber acquisitions, partially offset by lower mortgage banking income.
 
Noninterest income as a percent of operating income (FTE basis) was 30.0% in 2013, up 1.4 percentage points from the prior year and up 1.6 percentage points from 2011.  The current year increase was due to a 9.9% increase in noninterest income, primarily the result of solid organic growth in the financial services businesses, the HSBC and First Niagara branch acquisitions and strong growth in debit card related income while net interest income increased at a smaller rate of 4.5%.  The increase from 2011 to 2012 was primarily driven by a 10.8% increase in noninterest income, primarily the result of the HSBC, First Niagara, Wilber and CAI acquisitions and strong growth in debit card related income while net interest income increased at a smaller rate of 9.9%, primarily due to the contracting net interest margin.

The largest portion of the Company’s recurring noninterest income is the wide variety of fees earned from general banking services, which was $52.9 million in 2013, up $3.6 million or 7.4% from the prior year.  The increase was due to the addition of new deposit relationships from both acquired and organic growth, as well as solid growth in debit card-related revenue.  Electronic banking revenue grew $1.5 million due in large part to a continued concerted effort to increase the penetration and utilization of consumer debit cards.  Fees from general banking services were $49.3 million in 2012, up $4.0 million or 8.9% from 2011.  The expansion of core deposit relationships through acquisition and marketing efforts, as well as solid growth in debit card-related revenue more than offset the continuing trend of lower utilization of overdraft protection programs.  

In 2013, mortgage banking revenue increased $0.8 million from the income generated in 2012, which was down $0.9 million from 2011, reflective of the decision to hold a majority of secondary market eligible mortgages in portfolio from mid-2011 through the first quarter of 2013.  Beginning in the second quarter of 2013, the Company began selling conforming 30 year mortgages in the secondary market.  Residential mortgage banking income consists of realized gains or losses from the sale of residential mortgage loans and the origination of mortgage loan servicing rights, unrealized gains and losses on residential mortgage loans held for sale and related commitments, mortgage loan servicing fees and other mortgage loan-related fee income.  Included in mortgage banking income is a net recovery of $0.4 million in 2013 for the fair value of the mortgage servicing rights due primarily to a decrease in the expected prepayment speed of the Company’s sold loan portfolio with servicing retained.  Residential mortgage loans sold to investors in 2013, primarily Fannie Mae, totaled $25.2 million as compared to $3.6 million and $43.1 million during 2012 and 2011, respectively.  Residential mortgage loans held for sale and recorded at fair value at December 31, 2013 totaled $0.7 million.  The continuation of the level of mortgage noninterest income produced in 2013 will be dependent on market conditions and the trend in long-term interest rates.

As disclosed in Table 5, noninterest income from financial services (revenues from employee benefit services and wealth management services) rose $5.3 million, or 11%, in 2013 to $54.1 million.  Financial services revenue accounted for 50% of total noninterest income in 2013, excluding net gains (losses) on the sale of investment securities and debt extinguishments.  Employee benefit services generated revenue growth of $2.7 million, or 7.4%, in 2013, driven by a combination of new client generation, expanded service offerings and increased asset-based revenue.  Employee benefit services, which includes BPAS, Harbridge and HB&T, provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA/HRA and health and welfare consulting services on a national basis from offices in New Jersey, New York, Pennsylvania, Texas and Puerto Rico.  Employee benefit services revenue of $35.9 million in 2012 was $4.3 million higher than 2011’s results, primarily driven by the CAI acquisition completed in December 2011.

On November 30, 2011, BPAS acquired, in an all-cash transaction, certain assets and liabilities of CAI, a provider of actuarial, consulting and retirement plan administration services, with offices in New York City and Northern New Jersey.  The transaction added valuable service capacity and enhanced distribution prospects in support of the Company’s broader-based employee benefits business, including daily valuation plan and collective investment fund administration.  While not immediately additive to GAAP earnings, the acquisition added approximately $4.2 million in revenue for the 2012 year in the strategically important metropolitan New York marketplace.

 
31
 

Wealth management services revenue increased $2.7 million or 21% in 2013.  Personal trust revenue increased $0.3 million, CISI revenue increased $2.0 million, Nottingham revenue increased $0.3 million and CBNA Insurance revenue increased $0.1 million. The improved revenue generation of the wealth management services was reflective of positive market conditions and additional resources and customers from both organic and acquired growth initiatives.  Wealth management services revenue in 2012 increased $2.2 million or 20% as compared to 2011.  Personal trust revenues increased $1.0 million, in large part due to incremental revenue produced by the acquired Wilber trust operations.  CISI revenues increased $0.8 million, Nottingham revenue increased $0.3 million and CBNA Insurance revenue increased $0.1 million.  The improved revenue generation of the wealth management services in 2012 was reflective of the Wilber acquisition and solid organic growth in trust, and asset management services and investment product sales.

Assets under administration within the Company’s employee benefit services segment increased $10.8 billion to $16.1 billion at year-end 2013 from $5.3 billion at year-end 2012, primarily as a result of additions to the collective investment fund administration business and higher equity market valuations.  Assets under management with the Company’s wealth management services segment increased $0.5 billion to $3.4 billion at year-end 2013 from $2.8 billion at year-end 2012 due to market-driven gains in equity-based assets and the addition of new client assets.  Assets under administration declined $0.2 billion at the employee benefit services segment in 2012 as compared to 2011.  Assets under management increased $0.5 billion for the wealth management businesses at year end 2012 as compared to one year earlier.

In the first half of 2013, the company sold $648.7 million of investment securities, realizing $63.8 million of gains, and utilized the proceeds to retire FHLB borrowings of $501.6 million with $63.5 million of early extinguishment costs.  In late December 2013, in response to the uncertainties created by the announcement of the final regulations implementing the Volcker Rule, the Company sold its entire portfolio of bank and insurance trust preferred collateralized debt obligation securities (CDOs), recognizing a $15.4 million loss on the sale.  In conjunction with the liquidation of the trust preferred CDOs, the Company also extinguished $226 million of FHLB advances with $23.8 million of early extinguishment costs and sold $418 million of U.S. Treasury securities previously classified as held to maturity realizing $32.4 million of gains.

Noninterest Expenses

As shown in Table 6, operating expenses increased $9.5 million, or 4.5%, in 2013 to $221.3 million and include non-recurring acquisition expenses as well as incremental operating expenses from the HSBC, First Niagara and B of A acquisitions.  Operating expenses in 2012 were $21.4 million or 11.2% higher than 2011 and include non-recurring acquisition expenses and a litigation settlement charge, as well as incremental operating expenses from the HSBC, First Niagara, CAI and Wilber acquisitions.  Operating expenses (excluding acquisitions expenses, litigation settlement charge and amortization of intangible assets) for 2013 as a percent of average assets were 2.98%, up 20 basis points from 2.78% in 2012 and five basis points higher than the 2.93% in 2011.  The increase in this ratio was due to a 7.9% increase in operating expenses, primarily due to the acquisitions over the last two years, without a corresponding increase in average assets due to the balance sheet restructuring undertaken in the first half of 2013.  The improvement in this ratio in 2012 as compared to 2011 was due to effective management of operating expenses combined with the increase in average assets resulting from the HSBC, First Niagara and Wilber acquisitions.

The efficiency ratio, a performance measurement tool widely used by banks, is defined by the Company as operating expenses (excluding acquisition expenses, litigation settlement charge and intangible amortization) divided by operating income (fully tax-equivalent net interest income plus noninterest income, excluding net securities and debt gains and losses).  Lower ratios are often correlated to higher operating efficiency.  The efficiency ratio for 2013 was 1.9 percentage points higher than the 57.4% ratio for 2012 due to a 7.9% increase in operating expenses, as defined above, being larger than the 4.5% increase in operating income.  The increase in 2013 operating income was comprised of a 2.4% increase in net interest income and a 9.9% increase in noninterest income.  In 2012, the efficiency ratio declined 0.2 percentage points as the 9.8% increase in operating expenses, as defined above, grew at a slower pace than the increase in income comprised of a 9.9% increase in net interest income and a 10.8% increase in noninterest income (excluding net securities gains and debt extinguishments costs).


 
32
 


Table 6: Noninterest Expenses
 
 
Years Ended December 31,
(000's omitted)
2013
2012
2011
Salaries and employee benefits
$121,629
$112,034
$102,278
Occupancy and equipment
27,045
25,799
24,502
Data processing and communications
27,186
23,696
20,525
Amortization of intangible assets
4,469
4,607
4,381
Legal and professional fees
7,008
7,950
5,889
Office supplies and postage
6,122
5,742
5,246
Business development and marketing
6,815
5,919
5,931
FDIC insurance premiums
3,829
3,804
3,920
Acquisition expenses and litigation settlement
2,181
8,247
4,831
Other
14,971
13,959
12,869
   Total noninterest expenses
$221,255
$211,757
$190,372
       
Operating expenses(1) /average assets
2.98%
2.78%
2.93%
Efficiency ratio
59.3%
57.4%
57.6%
 
(1)Operating expenses are total noninterest expenses excluding acquisition expenses, litigation
    settlement charge and amortization of intangible assets

Salaries and employee benefits increased $9.6 million or 8.6% in 2013, primarily due to the addition of approximately 145 employees from the HSBC and First Niagara branch acquisitions in the third quarter of 2012, 40 employees as a result of the B of A acquisition in late 2013, as well as the impact of annual merit increases and higher incentive payments in 2013 based on the achievement of the Company’s annual business objectives.  Total salaries and employee benefits increased $9.8 million or 9.5% in 2012, primarily due to the HSBC, First Niagara, Wilber and CAI acquisitions and the impact of annual merit increases, partially offset by lower incentive payments in 2012.  Total full-time equivalent staff at the end of 2013 was 1,987 compared to 1,996 at December 31, 2012 and 1,831 at the end of 2011.

Employee medical expenses increased $1.7 million or 20% in 2013 due to a general rise in the cost of medical care, administration and insurance, as well as the additional employees added from the HSBC and First Niagara branch acquisitions in 2012.  Medical expenses increased $0.6 million in 2012, or 7.4%, due primarily to the additional employees added from the Wilber, HSBC and First Niagara acquisitions.  This year’s defined benefit retirement plan expense decreased $0.4 million due to the improved funded status of the pension plan, higher returns on plan assets and the increase in the liability discount rate from 4.1% to 5.0%.  Defined benefit pension expense in 2012 increased $0.5 million due to the additional employees added with the HSBC and First Niagara acquisitions, and the decrease in the liability discount rate from 4.1% to 3.4%, partially offset by higher returns on plan assets.  The 401(k) Plan expense for 2013 increased approximately $0.3 million from 2012 due to additional participants being added as a result of the HSBC and First Niagara acquisitions.  The 401(k) Plan expense increased $0.2 million in 2012 as compared to 2011 due to the additional participants being added as a result of the HSBC, First Niagara and Wilber acquisitions.  The three assumptions that have the largest impact on the calculation of annual pension expense are the discount rate utilized, the rate applied to future compensation increases and the expected rate of return on plan assets.  See Note K to the financial statements for further information about the pension plan.

Total non-personnel noninterest expenses, excluding one-time acquisition expenses, and litigation settlement charges increased $6.0 million, or 6.5%, in 2013, and includes the HSBC and First Niagara branch acquisitions completed in 2012.  Data processing and communication expenses increased $3.5 million or 14.7% over 2012 levels, due to the higher level of electronic transaction processing as well as continued investments in Company-wide technology enhancements.  Legal and professional fees declined $0.9 million in 2013, or 11.8%, and reflected the absence of certain costs incurred in 2012 for a litigation settlement charge partially offset by additional regulatory compliance related activities.


 
33
 


The Company continually evaluates all aspects of its operating expense structure and is diligent about identifying opportunities to improve operating efficiencies.  During 2013, the Company consolidated four of its branch offices.  This realignment reduced market overlap and further strengthened its branch network, and reflects management’s focus on achieving long-term performance improvements through proactive, strategic decision making.

Total non-personnel noninterest expenses, excluding one-time acquisition expenses, litigation settlement and contract termination charges increased $8.2 million, or 9.9%, in 2012, and included incremental direct expenses related to the retail branches acquired from HSBC, First Niagara and Wilber.

Acquisition expenses and litigation settlement charges totaled $2.2 million in 2013, down $6.1 million from the costs incurred in the prior year.  Acquisition expenses for 2013 totaled $2.2 million and related primarily to the acquisition of the B of A branches.
Acquisition expenses for 2012 totaled $5.7 million and were associated with the acquisition of the HSBC and First Niagara branches.  Additionally, 2012 included a charge of $2.5 million from the settlement of a class action lawsuit related to the processing of retail debit card transactions and its impact on overdraft fees.  The Company had considerable affirmative defenses to the claims, however, the settlement the Company was able to achieve was, in its judgment, a superior outcome for shareholders when measured against the cost and the staff resources required for litigation.  Acquisition expenses and litigation settlement charges in 2012 were $3.4 million higher than the costs incurred in the prior year.  Acquisition expenses and contract termination charges totaled $4.8 million in 2011 and were primarily associated with the Wilber acquisition which closed in April 2011.

Income Taxes

The Company estimates its income tax expense based on the amount it expects to owe the respective tax authorities, plus the impact of deferred tax items.  Taxes are discussed in more detail in Note I of the Consolidated Financial Statements beginning on page 74.  Accrued taxes represent the net estimated amount due or to be received from taxing authorities.  In estimating accrued taxes, management assesses the relative merits and risks of the appropriate tax treatment of transactions taking into account statutory, judicial and regulatory guidance in the context of the Company’s tax position.  If the final resolution of taxes payable differs from its estimates due to regulatory determination or legislative or judicial actions, adjustments to tax expense may be required.

The effective tax rate for 2013 was 29.0%, compared to 29.2% in 2012, reflective of generally similar proportional levels of income from both fully taxable and non-taxable sources.  The effective tax rate for 2012 was ten basis points lower than the 29.3% rate reported in 2011.

Capital

Shareholders’ equity ended 2013 at $875.8 million, down $27.0 million, or 3.0%, from one year earlier.  This decrease reflects an $80.9 million decrease in accumulated other comprehensive income, and common stock dividends declared of $44.1 million.  These decreases were partially offset by net income of $78.8 million, $15.2 million from the issuance of shares through employee stock plans and $4.0 million from stock-based compensation.  The change in other comprehensive income was comprised of a $101.5 million decrease in the market value adjustment (“MVA”, represents the after-tax, unrealized change in value of available-for-sale securities in the Company’s investment portfolio) due principally to the sale of investment securities during the 2013 and a rise in long-term interest rates, partially offset by a positive $20.6 million adjustment to the funded status of the Company’s employee retirement plans.  These changes in accumulated other comprehensive income resulted in a net comprehensive loss of $2.1 million in 2013 as compared to net comprehensive income of $102.2 million in 2012.  The primary year-over-year driver of the difference is the changes in unrealized gains and losses on the available-for-sale investment portfolio, much of which resulted from realized gains recorded in 2013.  Excluding accumulated other comprehensive income in both 2013 and 2012, capital rose by $53.9 million, or 6.4%.  Shares outstanding increased by 0.8 million during the year added through employee stock plans.

Shareholders’ equity ended 2012 at $902.8 million, up $128.2 million, or 17%, from one year earlier.  This increase reflects net income of $77.1 million, $54.9 million from common stock issuance, a $25.2 million increase in other comprehensive income, $9.2 million from the issuance of shares through employee stock plans, and $3.7 million from stock-based compensation.  These increases were partially offset by common stock dividends declared of $41.9 million.  The change in accumulated other comprehensive income was comprised of a $28.1 million increase in the MVA and a $2.9 million change based on the funded status of the Company’s employee retirement plans.  Excluding accumulated other comprehensive income in both 2012 and 2011, capital rose by $103.0 million, or 14%.  Shares outstanding increased by 2.6 million during the year, comprised of 2.13 million shares added through a public common stock offering in January 2012 in support of the HSBC and First Niagara branch acquisition and 0.5 million added through employee stock plans.


 
34
 


The Company’s ratio of ending Tier 1 capital to quarterly average assets (or tier 1 leverage ratio), the basic measure for which regulators have established a 5% minimum for an institution to be considered “well-capitalized,” increased 89 basis points to end the year at 9.29%.  This was the result of a 9.4% increase in Tier 1 capital primarily from the retention of net income generation while fourth quarter average net assets (excludes investment market value adjustment, intangible assets net of related deferred tax liabilities and disallowed mortgage service rights) declined 1.2%, due mostly to the balance sheet restructuring conducted in the first half of 2013.  The tangible equity to tangible assets ratio was 7.68% at the end of 2013 versus 7.62% one year earlier.  The increase was due to common shareholders’ equity decreasing less than tangible assets, as a result of capital generation through retained earnings and reduction of the level of assets as a result of the balance sheet restructure in the first half of the year, the sale of the investments at the end of the year having a higher impact than the decline in market value adjustment due to the rising rate environment.  The Company manages organic and acquired growth in a manner that enables it to continue to build upon its strong capital base and maintain the Company’s ability to take advantage of future strategic growth opportunities.

Cash dividends declared on common stock in 2013 of $44.1 million represented an increase of 5.4% over the prior year.  This growth was a result of the 0.8 million shares issued through employee stock programs and the $0.04 increase in dividends per share for the year. Dividends per share of $1.10 for 2013 increased from $1.06 in 2012, a result of quarterly dividends per share being raised from $0.27 to $0.28 (a 3.7% increase) in the third quarter of 2013 and from $0.26 to $0.27 (a 3.8% increase) in the third quarter of 2012.  The 2013 increase in quarterly dividends marked the 21st consecutive year of dividend increases for the Company.  The dividend payout ratio for this year was 56.0% compared to 54.3% in 2012, and 49.3% in 2011.  The dividend payout ratio increased during 2013 because dividends declared increased 5.4% while net income increased at a lower 2.3% rate.  The payout ratio increased during 2012 because dividends increased 16.1% while net income increased 5.4%.

Liquidity

Liquidity risk is a measure of the Company’s ability to raise cash when needed at a reasonable cost and minimize any loss.  The Bank maintains appropriate liquidity levels in both normal operating environments as well as stressed environments.  The Company must be capable of meeting all obligations to its customers at any time and, therefore, the active management of its liquidity position remains an important management role.  The Bank has appointed the Asset Liability Committee to manage liquidity risk using policy guidelines and limits on indicators of potential liquidity risk.  The indicators are monitored using a scorecard with three risk level limits.  These risk indicators measure core liquidity and funding needs, capital at risk and change in available funding sources.  The risk indicators are monitored using such statistics as the core basic surplus ratio, unencumbered securities to average assets, free loan collateral to average assets, loans to deposits, deposits to total funding and borrowings to total funding ratios.

Given the uncertain nature of our customers' demands as well as the Company's desire to take advantage of earnings enhancement opportunities, the Company must have available adequate sources of on and off-balance sheet funds that can be acquired in time of need.  Accordingly, in addition to the liquidity provided by balance sheet cash flows, liquidity must be supplemented with additional sources such as credit lines from correspondent banks, borrowings from the FHLB and the Federal Reserve Bank of New York.  Other funding alternatives may also be appropriate from time to time, including wholesale and retail repurchase agreements, large certificates of deposit and the brokered CD market.  The primary source of non-deposit funds are FHLB advances, of which $142 million were outstanding at December 31, 2013.

The Bank’s primary sources of liquidity are its liquid assets, as well as unencumbered securities that can be used to collateralize additional funding.  At December 31, 2013, the Bank had $150 million of cash and cash equivalents of which $11 million are interest earning deposits held at the Federal Reserve, FHLB and other correspondent banks.  The Bank also had $1.1 billion in unused FHLB borrowing capacity based on the Company’s quarter-end collateral levels.  Additionally, the Company has $1.3 billion of unencumbered securities that could be pledged at the FHLB or Federal Reserve to obtain additional funding.  There is $65 million available in unsecured lines of credit with other correspondent banks.

The Company’s primary approach to measuring short-term liquidity is known as the Basic Surplus/Deficit model.  It is used to calculate liquidity over two time periods: first, the amount of cash that could be made available within 30 days (calculated as liquid assets less short-term liabilities as a percentage of average assets); and second, a projection of subsequent cash availability over an additional 60 days.  As of December 31, 2013, this ratio was 16.4% for 30-days and 16.3% for 90-days, excluding the Company's capacity to borrow additional funds from the FHLB and other sources.  There is a sufficient amount of liquidity given the Company’s internal policy requirement of 7.5%.

A sources and uses statement is used by the Company to measure intermediate liquidity risk over the next twelve months.  As of December 31, 2013, there is more than enough liquidity available during the next year to cover projected cash outflows.  In addition, stress tests on the cash flows are performed in various scenarios ranging from high probability events with a low impact on the liquidity position to low probability events with a high impact on the liquidity position.  The results of the stress tests as of December 31, 2013 indicate the Bank has sufficient sources of funds for the next year in all stressed scenarios.
 
 
 
35
 

 
To measure longer-term liquidity, a baseline projection of loan and deposit growth for five years is made to reflect how liquidity levels could change over time.  This five-year measure reflects ample liquidity for loan and other asset growth over the next five years.

Though remote, the possibility of a funding crisis exists at all financial institutions.  Accordingly, management has addressed this issue by formulating a Liquidity Contingency Plan, which has been reviewed and approved by both the Board of Directors and the Company’s Asset Liability Management Committee (“ALCO Committee”).  The plan addresses the actions that the Company would take in response to both a short-term and long-term funding crisis.

A short-term funding crisis would most likely result from a shock to the financial system, either internal or external, which disrupts orderly short-term funding operations.  Such a crisis should be temporary in nature and would not involve a change in credit ratings.  A long-term funding crisis would most likely be the result of drastic credit deterioration at the Company.  Management believes that both potential circumstances have been fully addressed through detailed action plans and the establishment of trigger points for monitoring such events.

Intangible Assets

The changes in intangible assets by reporting segment for the year ended December 31, 2013 are summarized as follows:

Table 7: Intangible Assets

 
Balance at
      
Balance at
(000’s omitted)
December 31, 2012
Additions
Amortization
Impairment
December 31, 2013
Banking Segment
          
Goodwill
$359,207
$5,288
$0
$0
$364,495
Core deposit intangibles
14,492
2,537
3,569
0
13,460
Total Banking Segment
373,699
7,825
3,569
0
377,955
Employee Benefit Services Segment
          
Goodwill
7,836
0
0
0
7,836
Other intangibles
2,168
0
662
0
1,506
Total BPAS Segment
10,004
0
662
0
9,342
Wealth Management Segment
          
Goodwill
2,660
0
0
0
2,660
Other intangibles
771
9
238
0
542
Total Other Segment
3,431
9
238
0
3,202
           
Total
$387,134
$7,834
$4,469
$0
$390,499


 
36
 


Intangible assets at the end of 2013 totaled $390.5 million, an increase of $3.4 million from the prior year-end due to $7.8 million of additional intangible assets arising primarily from the acquisitions of the B of A branches, offset by $4.5 million of amortization during the year.  Intangible assets consist of goodwill and the value of core deposits and customer relationships that arise from acquisitions.  Goodwill represents the excess cost of an acquisition over the fair value of the net assets acquired.  Goodwill at December 31, 2013 totaled $375.0 million, comprised of $364.5 million related to banking acquisitions and $10.5 million arising from the acquisition of financial services businesses.  Goodwill is subjected to periodic impairment analysis to determine whether the carrying value of the acquired net assets exceeds their fair value, which would necessitate a write-down of goodwill.  The Company completed its goodwill impairment analyses during the first quarters of 2013 and 2012 and no adjustments were necessary for the banking or financial services businesses.  The impairment analysis was based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires the selection of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums and company-specific performance and risk indicators.  Management believes that there is a low probability of future impairment with regard to the goodwill associated with its whole-bank, branch and financial services businesses acquisitions.

Core deposit intangibles represent the value of non-time deposits acquired in excess of funding that could have been obtained in the capital markets.  Core deposit intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to twenty years.  The recognition of customer relationship intangibles arose due to the acquisitions of the trust department of Wilber, CAI, Alliance Benefit Group MidAtlantic, HB&T, Harbridge and the CBNA Insurance Agency.  These assets were determined based on a methodology that calculates the present value of the projected future net income derived from the acquired customer base.  These assets are being amortized on an accelerated basis over periods ranging from seven to twelve years.

Loans

The Company’s loans outstanding, by type, as of December 31 are as follows:

Table 8: Loans Outstanding

(000's omitted)
2013
2012
2011
2010
2009
Consumer mortgage
$1,582,058
$1,448,415
$1,214,621
$1,057,332
$1,044,589
Business lending
1,260,364
1,233,944
1,226,439
1,023,286
1,066,730
Consumer indirect
740,002
647,518
556,955
494,529
528,791
Consumer direct
180,139
171,474
149,170
146,575
139,757
Home equity
346,520
364,225
323,840
304,641
319,618
Gross loans
4,109,083
3,865,576
3,471,025
3,026,363
3,099,485
Allowance for loan losses
(44,319)
(42,888)
 (42,213)
(42,510)
(41,910)
Loans, net of allowance for loan losses
$4,064,764
$3,822,688
$3,428,812
$2,983,853
$3,057,575
Daily average of total loans
$3,954,515
$3,628,006
$3,355,286
$3,075,030
$3,104,808

As disclosed in Table 8 above, gross loans outstanding of $4.1 billion as of year-end 2013 increased $243.5 million or 6.3% compared to December 31, 2012 as a result strong organic growth in the consumer mortgage, consumer indirect, direct and business lending portfolios.  The low interest rate environment and continued business development efforts contributed to strong organic consumer mortgage, business lending and consumer indirect lending activity during 2013.  The home equity portfolio decreased due primarily to pay downs associated with the high level of mortgage refinancing being conducted in the low interest rate environment, as well as the continued deleveraging activities being undertaken by consumers in the current economic environment.  Gross loans outstanding at December 31, 2012 of $3.9 billion increased $394.6 million or 11.4% compared to December 31, 2011 as a result of the HSBC and First Niagara branch acquisitions in the third quarter of 2012, as well as strong organic growth in the consumer mortgage, consumer indirect and consumer direct portfolios.  Excluding loans acquired from HSBC and First Niagara, loans increased $234.4 million or 6.8% as of year-end 2012 as compared to year-end 2011.

The compounded annual growth rate (“CAGR”) for the Company’s total loan portfolio between 2008 and 2013 was 5.6%, comprised of approximately 2.8% of organic growth, with the remainder coming from acquisitions.  The greatest overall expansion occurred in the consumer mortgage segment, which grew at a 8.0% CAGR, driven by robust mortgage refinancing volumes over the last five years, as well as the acquisition of consumer-oriented banks and branches.  The consumer indirect and direct segment grew at a compounded annual growth rate of 6.3% from 2008 to 2013.  Consumer indirect and direct loans consist of personal loans originated both in the branch network and in automobile, marine and recreational vehicle dealerships.  The business lending segment grew at a compounded annual growth rate of 3.9% driven by acquisitions during the five year period.  The home equity lending segment grew at a compounded annual growth rate of 0.7% from 2008 to 2013, including the impact from acquisitions.
 
 
 
37
 
 
The weighting of the components of the Company’s loan portfolio enables it to be highly diversified.  Approximately 69% of loans outstanding at the end of 2013 were made to consumers borrowing on an installment, line of credit or residential mortgage loan basis.  The business lending portfolio is also broadly diversified by industry type as demonstrated by the following distributions at year-end 2013: commercial real estate (28%), healthcare (11%), restaurant & lodging (11%), general services (8%), agriculture (7%), manufacturing (7%), retail trade (6%), construction (6%), wholesale trade (5%) and motor vehicle and parts dealers (4%).  A variety of other industries with less than a 3% share of the total portfolio comprise the remaining 7%.

The consumer mortgage portion of the Company’s loan portfolio is comprised of fixed (98%) and adjustable rate (2%) residential lending and includes no exposure to Alt-A or other higher-risk mortgage products.  Consumer mortgages increased $133.6 million or 9.2% in 2013.  During 2013, the Company originated and sold an additional $25.2 million of longer-term, fixed-rate residential mortgages, principally to Fannie Mae.  During 2012, the Company originated and sold $3.6 million of residential mortgages. Beginning in the fourth quarter of 2011 through the first quarter of 2013, the Company chose to retain in portfolio the majority of mortgage production.  Consumer mortgage volume has been strong over the last few years due to historically low long-term interest rates and comparatively stable real estate valuations in the Company’s primary markets.  The Company’s solid performance during a tumultuous period in the overall industry is a reflection of the high quality profile of its portfolio and its ability to successfully meet customer needs at a time when some national mortgage lenders have restricted their lending activities in many of the Company’s markets.  Interest rates, expected duration, and the Company’s overall interest rate sensitivity profile continue to be the most significant factors in determining whether the Company chooses to retain versus sell and service portions of its new mortgage generation.

The combined total of general-purpose business lending, including agricultural-related and dealer floor plans, as well as mortgages on commercial property, is characterized as the Company’s business lending activity.  The business lending portfolio increased $26.4 million or 2.1% in 2013.  Generating organic growth in this segment has remained challenging primarily due to a prolonged soft economic environment and highly competitive conditions.  Further, the Company proactively managed payout of certain unprofitable loan relationships (principally acquired) during 2012 and to a lesser degree in 2013.  The Company maintains its commitment to generating growth in its business portfolio in a manner that adheres to its twin goals of maintaining strong asset quality and producing profitable margins.  The Company has continued to invest in personnel, technology, and business development resources to further strengthen its capabilities and enhance overall operational efficiencies in this important product category.

The following table shows the maturities and type of interest rates for business and construction loans as of December 31, 2013:

Table 9:  Maturity Distribution of Business and Construction Loans (1)
 
(000's omitted)
Maturing in
One Year or
Less
Maturing After
One but Within
Five Years
Maturing
After Five
Years
Total
Commercial, financial and agricultural
$322,523
$496,342
$408,383
$1,227,248
Real estate – construction
45,036
0
0
45,036
     Total
$367,559
$496,342
$408,383
$1,272,284
         
Fixed or predetermined interest rates
$101,239
$206,636
$98,827
$406,702
Floating or adjustable interest rates
266,320
289,706
309,556
865,582
     Total
$367,559
$496,342
$408,383
$1,272,284

                                                                                       (1) Scheduled repayments are reported in the maturity category in which the payment is due.

Consumer installment loans, both those originated directly (such as personal installment loans and lines of credit), and indirectly (originated predominantly in automobile, marine and recreational vehicle dealerships), increased $101.1 million or 12% from one year ago.  The volume of new and used vehicles sales to upper-tier credit profile customers in the Company’s primary markets has improved in recent periods.  The Company is focused on maintaining the solid profitability produced by its in-market and contiguous market indirect portfolio, while continuing to pursue its disciplined, long-term approach to expanding its dealer network.  A by-product of the still historically low new vehicle sales rates has been an improvement in used car valuations, where the majority of the Company’s installment lending is concentrated.  Market trends predict moderate vehicle sales increases over the prior year levels and this will create opportunity for the Company to continue to produce solid indirect loan growth.

Home equity loans decreased $17.7 million or 4.9% from one year ago, in part due to home equity loans being paid off or down as part of the high level of mortgage refinancing activity that occurred throughout 2012 and continued in 2013 in the low rate environment.  In addition, home equity utilization has been adversely impacted by the heightened level of consumer deleveraging activity that is occurring in response to the continued longer-term slow growth economic conditions.
 
 
 
38
 

Asset Quality

The following table presents information concerning nonperforming assets as of December 31:

Table 10: Nonperforming Assets

(000's omitted)
2013
2012
2011
2010
2009
Nonaccrual loans
          
   Consumer mortgage
$12,560
$11,286
$6,520
$4,737
$4,077
   Business lending
4,555
13,691
18,535
9,715
12,103
   Consumer indirect
14
0
2
0
54
   Consumer direct
4
8
0
0
368
   Home equity
2,340
1,375
1,205
926
558
     Total nonaccrual loans
19,473
26,360
26,262
15,378
17,160
Accruing loans 90+ days delinquent
          
   Consumer mortgage
1,338
1,818
2,171
2,308
891
   Business lending
164
247
399
247
662
   Consumer indirect
755
73
32
131
29
   Consumer direct
117
71
95
96
33
   Home equity
181
539
393
309
135
     Total accruing loans 90+ days delinquent
2,555
2,748
3,090
3,091
1,750
Nonperforming loans
          
   Consumer mortgage
13,898
13,104
8,691
7,045
4,968
   Business lending
4,719
13,938
18,934
9,962
12,765
   Consumer indirect
769
73
34
131
83
   Consumer direct
121
79
95
96
401
   Home equity
2,521
1,914
1,598
1,235
693
     Total nonperforming loans
22,028
29,108
29,352
18,469
18,910
           
Other real estate (OREO)
5,060
4,788
2,682
2,011
1,429
     Total nonperforming assets
$27,088
$33,896
$32,034
$20,480
$20,339
           
Allowance for loan losses / total loans
1.08%
1.11%
1.22%
1.40%
1.35%
Allowance for legacy loan losses / total legacy loans (1)
1.15%
1.21%
1.36%
1.40%
1.35%
Allowance for loan losses / nonperforming loans
201%
147%
144%
230%
222%
Allowance for legacy loans  / nonperforming legacy loans (1)
234%
171%
197%
230%
222%
Nonperforming loans / total loans
0.54%
0.75%
0.85%
0.61%
0.61%
Legacy nonperforming loans / legacy total loans
0.49%
0.71%
0.69%
0.61%
0.61%
Nonperforming assets / total loans and other real estate
0.66%
0.88%
0.92%
0.68%
0.66%
Delinquent loans (30 days old to nonaccruing) to total loans
1.49%
1.92%
1.99%
1.91%
1.48%
Loan loss provision to net charge-offs
122%
108%
94%
109%
131%
Legacy loan loss provision to net charge-offs (1)
134%
116%
86%
109%
131%
           
(1)Legacy loans exclude loans acquired after January 1, 2009.  These ratios are included for comparative purposes to prior periods.


 
39
 

The Company places a loan on nonaccrual status when the loan becomes 90 days past due, or sooner if management concludes collection of interest is doubtful, except when, in the opinion of management, it is well-collateralized and in the process of collection.  As shown in Table 10 above, nonperforming loans, defined as nonaccruing loans, accruing loans 90 days or more past due and restructured loans ended 2013 at $22.0 million, down approximately $7.1 million from one year earlier.  The ratio of nonperforming loans to total loans at December 31, 2013 decreased 21 basis points from the prior year.  Excluding nonperforming acquired loans, the ratio of nonperforming loans to total loans at the end of 2013 was 0.49%, a decrease of 22 basis points from the prior year.  The ratio of nonperforming assets (which includes other real estate owned, or “OREO”, in addition to nonperforming loans) to total loans plus OREO decreased to 0.66% at year-end 2013, down 22 basis points from one year earlier.  The Company’s success at keeping these ratios at favorable levels despite soft economic conditions was the result of continued focus on maintaining strict underwriting standards, early problem recognition, and effective collection and recovery efforts.  At year-end 2013, the Company was managing 46 OREO properties with a value of $5.1 million, as compared to 26 OREO properties with a value of $4.8 million a year earlier.  The increase in OREO balances and the number of properties continue to reflect increases in the time necessary to process residential mortgage foreclosures.

Approximately 63% of nonperforming loans at December 31, 2013 are related to the consumer mortgage portfolio.  Collateral values of residential properties within the Company’s market area did not experience the significant declines in values that other parts of the country encountered in the 2009 to 2011 period.  However, the slow economic recovery conditions and still high unemployment levels have adversely impacted consumers and and have resulted in higher than historically normal nonperforming levels.  Approximately 21% of the nonperforming loans at December 31, 2013 are related to the business lending portfolio, which is comprised of business loans broadly diversified by industry type.  The decrease in nonperforming loans in the business lending portfolio is primarily related to two large relationships, one of which was foreclosed and currently is included in OREO.  The remaining 16% percent of nonperforming loans relate to consumer installment and home equity loans.  The allowance for loan losses to nonperforming loans ratio, a general measure of coverage adequacy, was 201% at the end of 2013 compared to 147% at year-end 2012 and 144% at December 31, 2011, reflective of the lower level of nonperforming loans.  Excluding acquired loans, the ratio of allowance for legacy loans to nonperforming legacy loans was 234% at the end of 2013, compared to 171% at year-end 2012 and 197% at December 31, 2011.

Members of senior management, special asset officers, and commercial bankers review all delinquent and nonaccrual loans and OREO regularly, in order to identify deteriorating situations, monitor known problem credits and discuss any needed changes to collection efforts, if warranted.  Based on the group’s consensus, a relationship may be assigned a special assets officer or other senior lending officer to review the loan, meet with the borrowers, assess the collateral and recommend an action plan.  This plan could include foreclosure, restructuring the loans, issuing demand letters or other actions.  The Company’s larger criticized credits are also reviewed on at least a quarterly basis by senior credit administration, special assets and commercial lending management to monitor their status and discuss relationship management plans.  Commercial lending management reviews the entire criticized loan portfolio on a monthly basis.

Total delinquencies, defined as loans 30 days or more past due or in nonaccrual status, finished the current year at 1.49% of total loans outstanding, versus 1.92% at the end of 2012.  As of year-end 2013, total delinquency ratios for commercial loans, consumer installment loans, real estate mortgages and home equity loans were 0.65%, 1.62%, 2.04% and 1.66%, respectively.  These measures were 1.91%, 1.52%, 2.15% and 1.92%, respectively, as of December 31, 2012.  Delinquency levels, particularly in the 30 to 89 days category, tend to be somewhat volatile due to their measurement at a point in time, and therefore management believes that it is useful to evaluate this ratio over a longer period.  The average quarter-end delinquency ratio for total loans in 2013 was 1.50%, as compared to an average of 1.80% in 2012 and 1.64% in 2011, reflective of the underlying economic conditions and the typical delayed impact they have on loan performance characteristics.

Loans are considered modified in a troubled debt restructuring (“TDR”) when, due to a borrower’s financial difficulties, the Company makes a concession(s) to the borrower that it would not otherwise consider.  These modifications primarily include, among others, an extension of the term of the loan or granting a period with reduced or no principal and/or interest payments that can be caught up with payments made over the remaining term of the loan or at maturity.  Historically, the Company has had very few TDRs.   During 2012, new regulatory guidance was issued by the OCC addressing the accounting of certain loans that have been discharged in Chapter 7 bankruptcy.  In accordance with this new guidance, loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified and the Company’s lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.  The amount of loss incurred in 2012 was immaterial.  With this new interpretation, at December 31, 2013 the Company had 47 loans totaling $2.0 million considered to be nonaccruing TDRs and 213 loans totaling $3.4 million considered to be accruing TDRs as compared to 18 loans totaling $3.3 million considered to be nonaccruing TDRs and 189 loans totaling $3.2 million considered to be accruing TDRs at December 31, 2012.


 
40
 

The changes in the allowance for loan losses for the last five years are as follows:

Table 11: Allowance for Loan Losses Activity

 
Years Ended December 31,
(000's omitted except for ratios)
2013
2012
2011
2010
2009
           
Allowance for loan losses at beginning of period
$42,888
$42,213
$42,510
$41,910
$39,575
Charge-offs:
          
  Consumer mortgage
1,012
1,004
748
583
498
  Business lending
3,671
5,654
2,964
3,950
3,324
  Consumer indirect
4,544
5,407
4,464
4,279
5,374
  Consumer direct
1,954
1,694
1,273
1,719
1,928
  Home equity
650
423
265
181
36
     Total charge-offs
11,831
14,182
9,714
10,712
11,160
Recoveries:
          
  Consumer mortgage
36
59
30
71
28
  Business lending
692
1,295
692
730
374
  Consumer indirect
3,488
3,551
3,200
2,569
2,517
  Consumer direct
1,034
821
674
730
732
  Home equity
20
23
85
7
54
     Total recoveries
5,270
5,749
4,681
4,107
3,705
           
Net charge-offs
6,561
8,433
5,033
6,605
7,455
Provision for loan losses
7,358
8,715
4,350
7,205
9,790
Provision for acquired impaired loans
634
393
386
0
0
           
Allowance for loan losses at end of period
$44,319
$42,888
$42,213
$42,510
$41,910
           
Net charge-offs to average loans outstanding:
          
  Consumer mortgage
0.06%
0.07%
0.06%
0.05%
0.04%
  Business lending
0.24%
0.36%
0.19%
0.31%
0.28%
  Consumer indirect
0.16%
0.31%
0.24%
0.34%
0.54%
  Consumer direct
0.52%
0.54%
0.39%
0.68%
0.82%
  Home equity
0.18%
0.12%
0.06%
0.06%
-0.01%
  Total loans
0.17%
0.23%
0.15%
0.21%
0.24%

As displayed in Table 11 above, total net charge-offs in 2013 were $6.6 million, down $1.9 million from the prior year due to lower charge-offs in the business lending and  consumer indirect portfolios, partially offset by higher levels of net charge-offs in the consumer mortgage, consumer direct and home equity portfolios.  Net charge-offs in 2012 were $3.4 million higher than 2011’s level, due to higher levels of net charge-offs in all portfolios.

Due to the significant increases in average loan balances over time due to acquisition and organic growth, management believes that net charge-offs as a percent of average loans (“net charge-off ratio”) offers a more meaningful representation of asset quality trends.  The net charge-off ratio for 2013 was down six basis points from 2012 and was two basis points higher than 2011.  Gross charge-offs as a percentage of average loans was 0.30% in 2013 as compared to 0.39% in 2012 and 0.29% in 2011.  Continued strong recovery efforts were evidenced by recoveries of $5.3 million in 2013, representing 41% of average gross charge-offs for the latest two years, compared to 48% in 2012 and 46% in 2011.

Business loan net charge-offs decreased in 2013, totaling $3.0 million or 0.24% of average business loans outstanding versus $4.4 million or 0.36% in 2012, reflective of the Company’s disciplined risk management and underwriting standards.  Consumer installment loan net charge-offs decreased to $2.0 million this year from $2.7 million in 2012, with a net charge-off ratio of 0.23% in 2013 and 0.36% in 2012.  Higher used automobile valuations benefited consumer installment recovery efforts, which were 67% of average gross charge-offs in 2013, compared to 68% in 2012, and 66% in 2011.  The dollar amount of consumer mortgage net charge-offs increased slightly in 2013, but the net charge-off ratio decreased one basis point to 0.06%.  Home equity net charges offs increased by $0.2 million to $0.6 million in 2013 and the net charge-off ratio increased six basis points to 0.18%.


 
41
 


Management continually evaluates the credit quality of the Company’s loan portfolio and conducts a formal review of the allowance for loan losses adequacy on a quarterly basis.  The two primary components of the loan review process that are used to determine proper allowance levels are specific and general loan loss allocations.  Measurement of specific loan loss allocations is typically based on expected future cash flows, collateral values and other factors that may impact the borrower’s ability to repay.  Impaired loans greater than $0.5 million are evaluated for specific loan loss allocations.  Consumer mortgages, consumer installment and home equity loans are considered smaller balance homogeneous loans and are evaluated collectively.  The Company considers a loan to be impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts according to the contractual terms of the loan agreement or the loan is delinquent 90 days or more.

The second component of the allowance establishment process, general loan loss allocations, is composed of two calculations that are computed on the five main loan segments: business lending, consumer direct, consumer indirect, consumer mortgage and home equity. The first calculation determines an allowance level based on the latest 36 months of historical net charge-off data for each loan category (business loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors: levels and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedure, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances, if any, to derive the required allowance for loan losses to be reflected on the Consolidated Statement of Condition.  As it has in prior periods, the Company strives to refine and enhance its loss evaluation and estimation processes continually.

The loan loss provision is calculated by subtracting the previous period allowance for loan losses, net of the interim period net charge-offs, from the current required allowance level.  This provision is then recorded in the income statement for that period. Members of senior management and the Audit/Compliance/Risk Management Committee of the Board of Directors review the adequacy of the allowance for loan losses quarterly.  Management is committed to continually improving the credit assessment and risk management capabilities of the Company and has dedicated the resources necessary to ensure advancement in this critical area of operations.

Acquired loans are recorded at acquisition date at their acquisition date fair values, and therefore, are excluded from the calculation of loan loss reserves as of the acquisition date.  To the extent there is a decrease in the present value of cash from the acquired impaired loans after the date of acquisition, the Company records a provision for potential losses.  During the year ended December 31, 2011, the Company established an allowance for loan losses for acquired impaired loans of $0.4 million for estimated additional losses on certain acquired impaired loans.  In 2013 and 2012, an additional $0.6 million and $0.4 million, respectively, of provision for loan losses related to the acquired impaired loans was recorded.

For acquired loans that are not deemed impaired at acquisition, a fair value adjustment is recorded that includes both credit and interest rate considerations.  Subsequent to the purchase date, the methods utilized to estimate the required allowance for loan losses for these loans is similar to originated loans, however, the Company records a provision for loan losses only when the required allowance exceeds any remaining purchased discounts.  During 2013, the Company recorded a provision for loan losses on acquired non-impaired loans of $0.3 million.  During 2012, the Company recorded a provision for loan losses on acquired non-impaired loans of $0.7 million, of which $0.5 million was recorded in the third quarter for loan pools acquired in the third quarter where the net fair value of the pool was deemed greater than its par value at acquisition.

The allowance for loan losses increased to $44.3 million at year-end 2013 from $42.9 million at the end of 2012.  The $1.4 million increase was primarily due to organic loan growth.  The allowance for legacy loan losses increased $1.8 million as growth in the loan portfolio was partially offset by changes in the composition of the loan portfolio from higher risk business loans to lower risk consumer mortgage and consumer indirect loans.  The ratio of the allowance for loan losses to total loans decreased three basis points to 1.08% for year-end 2013 as compared to 1.11% for 2012 and 1.22% for 2011.  The ratio of allowance for loan losses to total legacy loans decreased six basis points to 1.15% for 2013 as compared to 2012.  Management believes the year-end 2013 allowance for loan losses to be adequate in light of the probable losses inherent in the Company’s loan portfolio.

The loan loss provision for legacy loans of $7.0 million in 2013 increased by $0.6 million as a result of management’s assessment of the probable losses in the loan portfolio, as discussed above.  The loan loss provision as a percentage of average loans was 0.20% in 2013 as compared to 0.25% in 2012 and 0.14% in 2011.  The loan loss provision was 122% of net charge-offs this year versus 108% in 2012 and 94% in 2011, reflective of the assessed risk in the portfolio.

 
42
 


The following table sets forth the allocation of the allowance for loan losses by loan category as of the dates indicated, as well as the percentage of loans in each category to total loans.  This allocation is based on management’s assessment, as of a given point in time, of the risk characteristics of each of the component parts of the total loan portfolio and is subject to changes when the risk factors of each component part change.  The allocation is not indicative of either the specific amounts of the loan categories in which future charge-offs may be taken, nor should it be taken as an indicator of future loss trends.  The allocation of the allowance to each category does not restrict the use of the allowance to absorb losses in any category.

Table 12: Allowance for Loan Losses by Loan Type

   
2013
  
2012
  
2011
  
2010
  
2009
     
Loan
    
Loan
    
Loan
    
Loan
    
Loan
(000's omitted except for ratios)
  
Allowance
Mix
  
Allowance
Mix
  
Allowance
Mix
  
Allowance
Mix
  
Allowance
Mix
Consumer mortgage
  
$8,994
38.5%
  
$7,070
37.5%
  
$4,651
35.0%
  
$2,451
34.9%
  
$1,127
33.7%
Business lending
  
17,507
30.5%
  
18,013
31.6%
  
20,574
34.8%
  
22,326
33.8%
  
23,577
34.4%
Consumer indirect
  
10,248
18.0%
  
9,606
16.7%
  
8,960
16.1%
  
9,922
16.4%
  
10,004
17.1%
Consumer direct
  
3,181
4.4%
  
3,303
4.4%
  
3,290
4.3%
  
3,977
4.8%
  
3,660
4.5%
Home equity
  
1,830
8.4%
  
1,451
9.4%
  
1,130
9.3%
  
689
10.1%
  
374
10.3%
Acquired impaired loans
  
530
0.2%
  
779
0.4%
  
386
0.5%
  
0
    
0
  
Unallocated
  
2,029
    
2,666
    
3,222
    
3,145
    
3,168
  
Total
  
$44,319
100.0%
  
$42,888
100.0%
  
$42,213
100.0%
  
$42,510
100.0%
  
$41,910
100.0%

As demonstrated in Table 12 above and discussed previously, business lending and consumer installment by their nature carries higher credit risk than residential real estate, and as a result these loans carry allowance for loan losses that cover a higher percentage of their total portfolio balances.  As in prior years, the unallocated allowance is maintained for inherent losses in the portfolio that is not reflected in the historical loss ratios, model imprecision, and for acquired loan portfolios in the process of being fully integrated at year-end.  The unallocated allowance decreased from $3.2 million at year-end 2011 to $2.7 million at year-end 2012 to $2.0 million at December 31, 2013.  The general declines in the unallocated portion of the allowance, as well as changes in year-over-year allowance allocations reflect management’s continued refinement of its loss estimation techniques.  However, given the inherent imprecision in the many estimates used in the determination of the allocated portion of the allowance, management deliberately remained cautious and conservative in establishing the overall allowance for loan losses.  Management considers the allocated and unallocated portions of the allowance for loan losses to be prudent and reasonable.  Furthermore, the Company’s allowance is general in nature and is available to absorb losses from any loan category.

Funding Sources

The Company utilizes a variety of funding sources to support the earning asset base as well as to achieve targeted growth objectives.  Overall funding is comprised of three primary sources that possess a variety of maturity, stability, and price characteristics: deposits of individuals, partnerships and corporations (IPC deposits), municipal deposits that are collateralized for amounts not covered by FDIC insurance (public funds) and external borrowings.  The average daily amount of deposits and the average rate paid on each of the following deposit categories are summarized below for the years indicated:

Table 13: Average Deposits

   
2013
  
2012
  
2011
   
Average
Average
  
Average
Average
  
Average
Average
(000's omitted, except rates)
  
Balance
Rate Paid
  
Balance
Rate Paid
  
Balance
Rate Paid
Noninterest checking deposits
  
$1,119,935
0.00%
  
$989,631
0.00%
  
$825,277
0.00%
Interest checking deposits
  
1,206,242
0.03%
  
1,036,249
0.06%
  
855,693
0.16%
Regular savings deposits
  
982,519
0.10%
  
806,310
0.16%
  
628,394
0.23%
Money market deposits
  
1,425,961
0.17%
  
1,327,092
0.38%
  
1,156,152
0.63%
Time deposits
  
940,095
0.74%
  
1,062,307
1.06%
  
1,101,013
1.46%
  Total deposits
  
$5,674,752
0.19%
  
$5,221,589
0.35%
  
$4,566,529
0.57%

As displayed in Table 13 above, total average deposits for 2013 equaled $5.67 billion, up $453.2 million or 8.7% from the prior year.  Excluding the impact of the B of A, HSBC and First Niagara acquisitions, average deposits increased $79.1 million or 1.6% as compared to 2012.  Consistent with the Company’s focus on expanding core account relationships and reduced customer demand for time deposits, average non-acquired, non-time (“core”) deposit balances grew $262.7 million or 6.8% as compared to 2012 while time deposits balances declined $183.6 million or 18%.  This shift in mix also reflects the diminished rate differential between core and time deposits in the low interest rate environment.  Average deposits in 2012 were up $655.1 million or 14% from 2011, comprised of a $693.8 million or 20% increase in core deposits, and a $38.7 million or 3.5% decrease in time deposits.  Excluding the impact of the HSBC, First Niagara and Wilber acquisitions, average deposits increased $222.9 million or 4.9% as compared to 2011.
 
 
 
43
 
 
The Company’s funding composition continues to benefit from a high level of non-public deposits, which reached an all-time high in 2013 with an average balance of $5.1 billion, an increase of $424.5 million or 9.0% over the comparable 2012 period.  Excluding the impact of the B of A, HSBC and First Niagara acquisitions, average non-public deposits increased $66.9 million or 1.5% during 2013.  Non-public, core deposits are frequently considered to be a bank’s most attractive source of funding because they are generally stable, do not need to be collateralized, have a relatively low cost, and provide a strong customer base for which a variety of loan, deposit and other financial service-related products can be sold.

Full-year average deposits of local municipalities increased $28.7 million or 5.6% during 2013 to $541.7 million.  Excluding the impact of the B of A, HSBC, and First Niagara acquisitions, average public deposits increased $12.2 million or 2.4% during 2013.  Municipal deposit balances tend to be more volatile than non-public deposits because they are heavily impacted by the seasonality of tax collection and fiscal spending patterns, as well as the longer-term financial position of the local government entities, which can change from year to year.  However, the Company has many strong, long-standing relationships with municipal entities throughout its markets and the diversified core deposits held by these customers have provided an attractive and comparatively stable funding source over an extended time period.  The Company is required to collateralize all local government deposits in excess of FDIC coverage with marketable securities from its investment portfolio.  Because of this stipulation, as well as the competitive bidding nature of municipal time deposits, management considers this funding source to be similar to external borrowings and thus prices these products on a consistent basis.

The mix of average deposits has been changing throughout the last several years.  The weighting of core (interest checking, noninterest checking, savings and money market accounts) has increased, while time deposits’ weighting decreased.  This change in deposit mix reflects the Company’s focus on expanding core account relationships and customers preference for unrestricted accounts in the current low rate environment.  The average balance for time deposit accounts decreased from 23.7% of total average deposits for the fourth quarter of 2011 to 15.5% of total average deposits for the fourth quarter of 2013.  Correspondingly, average core deposit balances have increased from 76.3% for the fourth quarter of 2011 to 84.5% in the fourth quarter of 2013.  This shift in mix, combined with lower average interest rates in all interest-bearing deposit product categories caused the cost of interest bearing deposits to decline to 0.24% in 2013, as compared to 0.43% in 2012 and 0.70% in 2011.  The total cost of deposit funding including demand deposits also declined significantly in 2013 to 0.19%, versus 0.35% in 2012, benefiting from the 13% increase in non-interest bearing checking average balances.

The remaining maturities of time deposits in amounts of $100,000 or more outstanding as of December 31 are as follows:

Table 14: Time Deposit > $100,000 Maturities

(000's omitted)
2013
2012
Less than three months
$50,233
$44,379
Three months to six months
43,880
48,637
Six months to one year
48,578
62,064
Over one year
63,724
89,845
  Total
$206,415
$244,925

External borrowings are defined as funding sources available on a national market basis, generally requiring some form of collateralization.  Borrowing sources for the Company include the FHLB and Federal Reserve Bank of New York, as well as access to the brokered CD and repurchase markets through established relationships with primary market security dealers.  The Company also had approximately $102 million in floating-rate subordinated debt outstanding at the end of 2013 that is held by unconsolidated subsidiary trusts.  In December 2006, the Company completed a sale of $75 million of trust preferred securities.  The securities mature on December 15, 2036 and carry an annual rate equal to the three-month LIBOR rate plus 1.65%.  The Company used the net proceeds of the offering for general corporate purposes including the early call of the $30 million of fixed-rate trust preferred securities.  At the time of the offering, the Company also entered into an interest rate swap agreement to convert the variable rate trust preferred securities into a fixed rate obligation for a term of five years at a fixed rate of 6.43%.  The interest rate swap matured in the fourth quarter of 2011.

As shown in Table 15, year-end 2013 external borrowings totaled $244.0 million, a decrease of $586.1 million from 2012.  As part of the ongoing asset liability management process, the Company had been evaluating the opportunity to restructure certain portions of the balance sheet.  During the first half of 2013, the Company initiated a balance sheet restructuring program through the sale of certain longer duration investment securities and retired $501.6 million of the company’s existing FHLB borrowings with $63.5 million of early extinguishment costs.  These actions enhanced the Company’s regulatory capital position while positively impacting expected future net interest income generation.  During the second and third quarter of 2013, the Company used $300 million of short-term borrowing to purchase U.S. Treasury securities in anticipation of the excess funding expected from the pending branch acquisition in the fourth quarter of 2013.  In December, in conjunction with the liquidation of the trust preferred CDOs, the Company extinguished an additional $226 million of FHLB advances with $23.8 million of early extinguishment costs.
 
 
 
44
 
 
External borrowings averaged $567.1 million or 9.1% of total funding sources for all of 2013 as compared to $947.5 million or 15.4% of total funding sources for 2012.  This ratio decreased as the Company early extinguished FHLB advances, partially offset by the use of short term borrowings from the FHLB to fund the purchase of investment securities during the second half of 2013 as part of the pre-investment of the anticipated liquidity coming from the branch acquisitions.  As shown in Table 16 at year-end 2013, the Company had $141.9 million or 58% of external borrowings with remaining terms of one year or less as compared to virtually no external borrowings maturing within one year at December 31, 2012.  The Company had no FHLB borrowings maturing in more than one year as of December 31, 2013.

As displayed in Table 3 on page 29, the overall mix of funding in 2013 has shifted in 2013.  The percentage of funding derived from deposits increased to 90.9% in 2013 from 84.6% in 2012 and 2011.  During 2013 average borrowings decreased 40% while average deposits increased 8.7%.

The following table summarizes the outstanding balance of borrowings of the Company as of December 31:

Table 15: Borrowings

(000's omitted, except rates)
2013
2012
2011
FHLB overnight advance
$141,900
$0
$0
FHLB term advances
0
728,034
728,235
Capital lease obligation
13
27
46
Subordinated debt held by unconsolidated subsidiary trusts
102,097
102,073
102,048
      Balance at end of period
$244,010
$830,134
$830,329
       
Daily average during the year
$567,079
$947,454
$833,075
Maximum month-end balance
830,099
1,259,932
849,815
Weighted-average rate during the year
2.70%
3.46%
4.25%
Weighted-average year-end rate
1.22%
3.81%
3.84%

The following table shows the contractual maturities of various obligations as of December 31, 2013:

Table 16: Maturities of Contractual Obligations

   
Maturing
Maturing
    
 
Maturing
After One
After Three
    
 
Within
Year but
Years but
Maturing
  
 
One Year
Within
Within
After
  
(000's omitted)
Or Less
Three Years
Five Years
Five Years
Total
FHLB overnight advance
$141,900
$0
$0
$0
$141,900
Subordinated debt held by unconsolidated subsidiary trusts
0
0
0
102,527
102,527
Capital lease obligation
13
0
0
0
13
Interest on borrowings
2,429
4,852
4,852
38,387
50,520
Operating leases
5,342
9,104
6,941
5,138
26,525
     Total
$149,684
$13,956
$11,793
$146,052
$321,485

Financial Instruments with Off-Balance Sheet Risk

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments consist primarily of commitments to extend credit and standby letters of credit.  Commitments to extend credit are agreements to lend to customers, generally having fixed expiration dates or other termination clauses that may require payment of a fee.  These commitments consist principally of unused commercial and consumer credit lines.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of an underlying contract with a third party.  The credit risks associated with commitments to extend credit and standby letters of credit are essentially the same as that involved with extending loans to customers and are subject to normal credit policies.  Collateral may be obtained based on management’s assessment of the customer’s creditworthiness.  The fair value of these commitments is immaterial for disclosure.


 
45
 

The contract amount of these off-balance sheet financial instruments as of December 31 is as follows:

Table 17: Off-Balance Sheet Financial Instruments

(000's omitted)
2013
2012
Commitments to extend credit
$704,904
$750,178
Standby letters of credit
24,449
24,168
     Total
$729,353
$774,346

Investments

The objective of the Company’s investment portfolio is to hold low-risk, high-quality earning assets that provide favorable returns and provide another effective tool to actively manage its asset/liability position in order to maximize future net interest income opportunities.  This must be accomplished within the following constraints: (a) implementing certain interest rate risk management strategies which achieve a relatively stable level of net interest income; (b) providing both the regulatory and operational liquidity necessary to conduct day-to-day business activities; (c) considering investment risk-weights as determined by the regulatory risk-based capital guidelines; and (d) generating a favorable return without undue compromise of the other requirements.

The book value of the Company’s investment portfolio decreased $437.3 million to $2.250 billion at year-end 2013.  As part of the ongoing asset liability management process, the Company had been evaluating the opportunity to restructure certain portions of the balance sheet.  During the first quarter of 2013, the Company initiated a balance sheet restructuring program through the sale of certain longer duration investment securities and retired a portion of the Company’s existing FHLB borrowings.  During the first half of 2013, the Company sold $648.7 million of U.S. Treasury and Agency securities, realizing $63.8 million of gains that supported the retirement of $501.6 million of FHLB borrowings.  These actions enhanced the Company’s regulatory capital position and reduced the expected duration of the investment portfolio, while positively impacting expected future net interest income generation.  During the second and third quarters of 2013, the Company purchased $525 million of U.S. Treasury securities in anticipation of the excess funding expected from the pending branch acquisition and certain other expected cash flows.

In late December 2013, the Company sold its entire portfolio, $56.2 million, of bank and insurance trust preferred collateralized debt obligation (CDO) securities in response to the uncertainties created by the announcement of the final rules implementing Section 619 of the Dodd-Frank Act, commonly known as the “Volcker Rule”, recognizing a $15.5 million loss.  In conjunction with the liquidation of the trust preferred CDOs, the Company extinguished $226.4 million of FHLB term advances and sold $417.6 million of U.S. Treasury securities previously classified as held-to-maturity at a gain of $32.4 million.  The Company also reinvested the net cash proceeds of $246 million created from these transactions into U.S. Treasury securities with similar blended durations to the assets sold in order to mitigate the net interest income impact of the security sales and debt extinguishment.  As a result of the securities sold from the held-to-maturity classification, the remaining unsold securities within the held-to-maturity classification were transferred to the available-for-sale classification prior to December 31, 2013.  As a result of the transaction, the Company will not be able to use the held-to-maturity classification for the foreseeable future.

During 2012, the Company purchased approximately $675 million of U.S. Treasury securities and $224 million of obligations of state and political subdivisions and other securities utilizing cash flows from deposit growth, maturing loans and investments and short-term borrowings that were replaced with liquidity provided by the branch acquisitions in the third quarter.  In April 2011, investments increased $297 million from the Wilber acquisition, primarily in government agency mortgage-backed securities, government agency collateralized mortgage obligations (“CMOs”) and U.S. Treasury and Agency securities.

Average investment balances including cash equivalents (book value basis) for 2013 decreased $231.6 million or 8.4% versus the prior year driven by the balance sheet restructure in the first half of the year, partially offset by the third quarter pre-investment strategy of expected liquidity from the B of A branch acquisition, completed in December 2013.  Investment interest income (FTE basis) in 2013 was $14.4 million or 14% lower than the prior year as a result of the lower average balances in the portfolio and because of a 22-basis point decrease in the average investment yield from 3.80% to 3.58%.  During 2013, market interest rates continued to be low, and as a result, cash flows from sales and maturing investments were reinvested at lower interest rates.  The investments sold during the year had a weighted average yield of 2.87% and were partially replaced with investments carrying an average yield of 2.66%.


 
46
 


The investment portfolio has limited credit risk due to the composition continuing to heavily favor U.S. Treasuries, U.S. Agency debentures, U.S. Agency mortgage-backed pass-throughs, U.S. Agency CMOs and municipal bonds.  The U.S. Treasury and Agency debentures, U.S. Agency mortgage-backed pass-throughs and U.S. Agency CMOs are all AAA-rated (highest possible rating) by Moody’s and AA+ by Standard and Poor’s.  The majority of the municipal bonds are A rated or higher.  The portfolio does not include any private label mortgage-backed securities (MBSs) or private label collateralized mortgage obligations.  The overall mix of securities within the portfolio over the last year has changed, with an increase in the proportion of U.S. Treasury and Agency securities and a decrease in the proportion of obligations of state and political subdivisions, government agency mortgage-backed securities and other securities.
 
The net pre-tax market value loss as compared to the book value for the available-for-sale portfolio as of December 31, 2013 was $31.0 million, as compared to a pre-tax market value gain of $131.5 million one year earlier.  This decrease is indicative of the interest rate movements and changing spreads during the respective time periods and the changes in the size and composition of the portfolio.

The following table sets forth the amortized cost and market value for the Company's investment securities portfolio:

Table 18: Investment Securities

    2013   2012   2011
   
Amortized
    
Amortized
    
Amortized
  
   
Cost/Book
Fair
  
Cost/Book
Fair
  
Cost/Book
Fair
(000's omitted)
  
Value
Value
  
Value
Value
  
Value
Value
Held-to-Maturity Portfolio:
                  
  U.S. Treasury and agency securities
  
$0
$0
  
$548,634
$607,715
  
$448,260
$505,060
  Obligations of state and political subdivisions
  
0
0
  
65,742
71,592
  
69,623
74,711
  Government agency mortgage-backed securities
  
0
0
  
20,578
21,657
  
35,576
38,028
  Corporate debt securities
  
0
0
  
2,924
2,977
  
0
0
  Other securities
  
0
0
  
16
16
  
36
36
     Total held-to-maturity portfolio
  
0
0
  
637,894
703,957
  
553,495
617,835
                   
Available-for-Sale Portfolio:
                  
  U.S. Treasury and agency securities
  
1,252,332
1,212,147
  
988,217
1,079,257
  
463,922
520,548
  Obligations of state and political subdivisions
  
665,441
668,982
  
629,883
662,892
  
543,527
573,012
  Government agency mortgage-backed securities
  
250,431
254,978
  
253,013
269,951
  
310,541
331,379
  Pooled trust preferred securities
  
0
0
  
61,979
49,600
  
68,115
43,846
  Corporate debt securities
  
26,932
27,587
  
24,136
25,357
  
21,495
22,855
  Government agency collateralized mortgage obligations
  
21,779
22,048
  
32,359
33,935
  
45,481
46,943
  Marketable equity securities
  
250
421
  
351
402
  
380
390
     Total available-for-sale portfolio
  
2,217,165
2,186,163
  
1,989,938
2,121,394
  
1,453,461
1,538,973
 
Other Securities:
                  
  Federal Reserve Bank common stock
  
16,050
16,050
  
16,050
16,050
  
15,451
15,451
  FHLB common stock
  
12,053
12,053
  
38,111
38,111
  
38,343
38,343
  Other equity securities
  
4,459
4,459
  
5,078
5,078
  
5,108
5,108
    Total other securities
  
32,562
32,562
  
59,239
59,239
  
58,902
58,902
                   
     Total
  
$2,249,727
$2,218,725
  
$2,687,071
$2,884,590
  
$2,065,858
$2,215,710


 
 

 
47
 


The following table sets forth as of December 31, 2013, the maturities of investment securities and the weighted-average yields of such securities, which have been calculated on the cost basis, weighted for scheduled maturity of each security:

Table 19: Maturities of Investment Securities

 
Maturing
Maturing
Maturing
  
Total
 
Within
After One Year
After Five Years
Maturing
Amortized
 
One Year
But Within
But Within
After
Cost/Book
(000's omitted, except rates)
or Less
Five Years
Ten Years
Ten Years
Value
Available-for-Sale Portfolio:
          
U.S. Treasury and agency securities
$7,489
$22,325
$1,222,518
$0
$1,252,332
Obligations of state and political subdivisions
33,313
131,457
227,066
273,605
665,441
Government agency mortgage-backed securities (2)
0
1,520
1,873
247,038
250,431
Corporate debt securities
0
24,043
2,889
0
26,932
Government agency collateralized mortgage obligations (2)
0
0
52
21,727
21,779
  Available-for-sale portfolio
$40,802
$179,345
$1,454,398
$542,370
$2,216,915
Weighted-average yield (1)
3.42%
3.01%
2.52%
3.73%
2.87%

 
(1) Weighted-average yields are an arithmetic computation of income (not fully tax-equivalent adjusted) divided by book balance;
     they may differ from the yield to maturity, which considers the time value of money.
 
(2) Mortgage-backed securities and collateralized mortgage obligations are listed based on the contractual maturity.  Actual
     maturities will differ from contractual maturities because borrowers may have the right to call or prepay certain obligations with
     or without penalties.

Impact of Inflation and Changing Prices

The Company’s financial statements have been prepared in terms of historical dollars, without considering changes in the relative purchasing power of money over time due to inflation.  Unlike most industrial companies, virtually all of the assets and liabilities of a financial institution are monetary in nature.  As a result, interest rates have a more significant impact on a financial institution's performance than the effect of general levels of inflation.  Interest rates do not necessarily move in the same direction or in the same magnitude as the prices of goods and services.  Notwithstanding this, inflation can directly affect the value of loan collateral, in particular real estate.
 
New Accounting Pronouncements

See “New Accounting Pronouncements” Section of Note A of the notes to the consolidated financial statements on page 61 for additional accounting pronouncements.

Forward-Looking Statements

This document contains comments or information that constitute forward-looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995), which involve significant risks and uncertainties.  Actual results may differ materially from the results discussed in the forward-looking statements.  Moreover, the Company’s plans, objectives and intentions are subject to change based on various factors (some of which are beyond the Company’s control).  Factors that could cause actual results to differ from those discussed in the forward-looking statements include:  (1) risks related to credit quality, interest rate sensitivity and liquidity;  (2) the strength of the U.S. economy in general and the strength of the local economies where the Company conducts its business;  (3) the effect of, and changes in, monetary and fiscal policies and laws, including interest rate policies of the Board of Governors of the Federal Reserve System;  (4) inflation, interest rate, market and monetary fluctuations;  (5) the timely development of new products and services and customer perception of the overall value thereof (including features, pricing and quality) compared to competing products and services;  (6) changes in consumer spending, borrowing and savings habits;  (7) technological changes; (8) any acquisitions or mergers that might be considered or consummated by the Company and the costs and factors associated therewith;  (9) the ability to maintain and increase market share and control expenses;  (10) the effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, securities and insurance) and accounting principles generally accepted in the United States;  (11) changes in the Company’s organization, compensation and benefit plans and in the availability of, and compensation levels for, employees in its geographic markets;  (12) the costs and effects of litigation and of any adverse outcome in such litigation; (13) other risk factors outlined in the Company’s filings with the Securities and Exchange Commission from time to time; (14) changes imposed by regulatory agencies to increase the Company’s capital requirements; and (15) the success of the Company at managing the risks of the foregoing.

The foregoing list of important factors is not exclusive.  Such forward-looking statements speak only as of the date on which they are made and the Company does not undertake any obligation to update any forward-looking statement, whether written or oral, to reflect events or circumstances after the date on which such statement is made.  If the Company does update or correct one or more forward-looking statements, investors and others should not conclude that the Company will make additional updates or corrections with respect thereto or with respect to other forward-looking statements.
 
 
 
48
 
 
Item 7A.  Quantitative and Qualitative Disclosures about Market Risk

Market risk is the risk of loss in a financial instrument arising from adverse changes in market rates, prices or credit risk.  Credit risk associated with the Company's loan portfolio has been previously discussed in the asset quality section of the MD&A.  Management believes that the tax risk of the Company's municipal investments associated with potential future changes in statutory, judicial and regulatory actions is minimal.  Treasury, agency, mortgage-backed and CMO securities issued by government agencies comprise 69% of the total portfolio and are currently rated AAA by Moody’s Investor Services and AA+ by Standard & Poor’s.  Municipal and corporate bonds account for 31% of the total portfolio, of which, 98% carry a minimum rating of A.  The remaining 2% of the portfolio is comprised of other investment grade securities.  The Company does not have material foreign currency exchange rate risk exposure.  Therefore, almost all the market risk in the investment portfolio is related to interest rates.

The ongoing monitoring and management of both interest rate risk and liquidity, in the short and long term time horizons is an important component of the Company's asset/liability management process, which is governed by limits established in the policies reviewed and approved annually by the Company’s Board of Directors.  The Board of Directors delegates responsibility for carrying out the policies to the ALCO Committee, which typically meets each month.  The committee is made up of the Company's senior management as well as regional and line-of-business managers who oversee specific earning asset classes and various funding sources.  As the Company does not believe it is possible to reliably predict future interest rate movements, it has maintained an appropriate process and set of measurement tools, which enables it to identify and quantify sources of interest rate risk in varying rate environments.  The primary tool used by the Company in managing interest rate risk is income simulation.

While a wide variety of strategic balance sheet and treasury yield curve scenarios are tested on an ongoing basis, the following reflects the Company's projected net interest income sensitivity over the subsequent twelve months based on:

·  
Asset and liability levels using December 31, 2013 as a starting point.

·  
There are assumed to be conservative levels of balance sheet growth, low to mid single digit growth in loans and deposits, while using the cash flows from investment contractual maturities and prepayments to repay short-term capital market borrowings or reinvest into securities or cash equivalents.

·  
The prime rate and federal funds rates are assumed to move up 200 basis points over a 12-month period while moving the long end of the treasury curve to spreads over federal funds that are more consistent with historical norms (normalized yield curve).  In the 0 basis point model, the prime and federal funds rates remain at current levels while moving the long end of the curve to levels over federal funds using spreads at a time when the yield curve was flat.  Deposit rates are assumed to move in a manner that reflects the historical relationship between deposit rate movement and changes in the federal funds rate.

·  
Cash flows are based on contractual maturity, optionality, and amortization schedules along with applicable prepayments derived from internal historical data and external sources.

Net Interest Income Sensitivity Model
 
Change in interest rates 
Calculated annualized
increase (decrease) in
projected net interest
income at December 31,
2013
+200 basis points
($4,478,000)
0 basis points
($899,000)

The modeled net interest income (NII) decreases in a rising rate environment from a flat rate scenario.  The decrease is largely a result of assumed deposit and funding costs increasing faster than the repricing of corresponding assets.  In the short term (years 1-2) the assumed increase of deposit rates in the rising rate environment temporarily outweighs the benefit of earning asset yields increasing to higher levels.  However, over a longer time period (years 3-5), the growth in NII improves significantly in a rising rate environment as lower yielding assets mature and are replaced at higher rates.   

In the 0 basis point model, the Bank shows interest rate risk exposure if the yield curve continues to flatten.  Net interest income declines during the first twelve months largely from additional investment cash flows that are assumed to be reinvested at lower rates.  Corresponding deposit rates are assumed to remain constant.  Despite Fed Funds trading near 0%, the Company believes long-term treasury rates could potentially fall further in this scenario, and thus, the model tests the impact of this lower treasury rate scenario.
 
 
 
49
 

The analysis does not represent a Company forecast and should not be relied upon as being indicative of expected operating results.  These hypothetical estimates are based upon numerous assumptions: the nature and timing of interest rate levels (including yield curve shape), prepayments on loans and securities, deposit decay rates, pricing decisions on loans and deposits, reinvestment/replacement of asset and liability cash flows, and other factors.  While the assumptions are developed based upon current economic and local market conditions, the Company cannot make any assurances as to the predictive nature of these assumptions, including how customer preferences or competitor influences might change.  Furthermore, the sensitivity analysis does not reflect actions that the ALCO Committee might take in responding to or anticipating changes in interest rates.

Item 8.  Financial Statements and Supplementary Data

The following consolidated financial statements and independent registered public accounting firm’s report of Community Bank System, Inc. are contained on pages 51 through 92 of this item.

·  
Consolidated Statements of Condition,
December 31, 2013 and 2012

·  
Consolidated Statements of Income,
Years ended December 31, 2013, 2012, and 2011

·  
Consolidated Statements of Comprehensive Income,
Years ended December 31, 2013, 2012, and 2011

·  
Consolidated Statements of Changes in Shareholders' Equity,
Years ended December 31, 2013, 2012, and 2011

·  
Consolidated Statements of Cash Flows,
Years ended December 31, 2013, 2012, and 2011

·  
Notes to Consolidated Financial Statements,
December 31, 2013

·  
Management’s Report on Internal Control Over Financial Reporting

·  
Report of Independent Registered Public Accounting Firm

Quarterly Selected Data (Unaudited) for 2013 and 2012 are contained on page 95.

 
50
 

COMMUNITY BANK SYSTEM, INC.
CONSOLIDATED STATEMENTS OF CONDITION
(In Thousands, Except Share Data)

 
December 31,
 
2013
2012
Assets:
    
   Cash and cash equivalents
$149,647
$228,558
     
   Available-for-sale investment securities (cost of $2,217,165 and $1,989,938, respectively)
2,186,163
2,121,394
     
   Held-to-maturity investment securities (fair value of $0 and $703,957, respectively)
0
637,894
     
   Other securities, at cost
32,562
59,239
     
   Loans held for sale, at fair value
728
0
     
   Loans
4,109,083
3,865,576
   Allowance for loan losses
(44,319)
(42,888)
     Net loans
4,064,764
3,822,688
     
   Goodwill
374,991
369,703
   Core deposit intangibles, net
13,460
14,492
   Other intangibles, net
2,048
2,939
     Intangible assets, net
390,499
387,134
     
   Premises and equipment, net
93,636
89,938
   Accrued interest and fees receivable
25,475
32,305
   Other assets
152,390
117,650
     
        Total assets
$7,095,864
$7,496,800
     
Liabilities:
    
   Noninterest-bearing deposits
$1,203,346
$1,110,994
   Interest-bearing deposits
4,692,698
4,517,045
      Total deposits
5,896,044
5,628,039
     
  Borrowings
141,913
728,061
  Subordinated debt held by unconsolidated subsidiary trusts
102,097
102,073
  Accrued interest and other liabilities
79,998
135,849
     Total liabilities
6,220,052
6,594,022
     
Commitments and contingencies (See Note N)
    
     
Shareholders' equity:
    
  Preferred stock $1.00 par value, 500,000 shares authorized, 0 shares issued
0
0
  Common stock, $1.00 par value, 75,000,000 shares authorized; 41,213,491 and
    
     40,421,493 shares issued, respectively
41,213
40,421
  Additional paid-in capital
396,528
378,413
  Retained earnings
481,732
447,018
  Accumulated other comprehensive (loss) income
(26,546)
54,334
  Treasury stock, at cost (782,173 and 795,560 shares, respectively)
(17,115)
(17,408)
     Total shareholders' equity
875,812
902,778
     
     Total liabilities and shareholders' equity
$7,095,864
$7,496,800








The accompanying notes are an integral part of the consolidated financial statements.

 
51
 

COMMUNITY BANK SYSTEM, INC.
CONSOLIDATED STATEMENTS OF INCOME
(In Thousands, Except Per-Share Data)

 
Years Ended December 31,
 
2013
2012
2011
Interest income:
      
  Interest and fees on loans
$188,197
$192,710
$192,981
  Interest and dividends on taxable investments
54,995
65,165
55,634
  Interest and dividends on nontaxable investments
20,967
23,525
22,354
     Total interest income
264,159
281,400
270,969
       
Interest expense:
      
  Interest on deposits
10,732
18,162
26,156
  Interest on borrowings
12,813
30,098
29,599
  Interest on subordinated debt held by unconsolidated subsidiary trusts
2,520
2,716
5,801
     Total interest expense
26,065
50,976
61,556
       
Net interest income
238,094
230,424
209,413
Provision for loan losses
7,992
9,108
4,736
Net interest income after provision for loan losses
230,102
221,316
204,677
       
Noninterest income:
      
  Deposit service fees
49,357
46,064
42,334
  Other banking services
5,245
4,069
4,651
  Employee benefit services
38,596
35,946
31,601
  Wealth management services
15,550
12,876
10,697
  Gain on sales of investment securities, net
80,768
291
30
  Loss on debt extinguishments
(87,336)
0
(91)
     Total noninterest income
102,180
99,246
89,222
       
Noninterest expenses:
      
  Salaries and employee benefits
121,629
112,034
102,278
  Occupancy and equipment
27,045
25,799
24,502
  Data processing and communications
27,186
23,696
20,525
  Amortization of intangible assets
4,469
4,607
4,381
  Legal and professional fees
7,008
7,950
5,889
  Office supplies and postage
6,122
5,742
5,246
  Business development and marketing
6,815
5,919
5,931
  FDIC insurance premiums
3,829
3,804
3,920
  Acquisition expenses
2,181
5,747
4,831
  Other
14,971
16,459
12,869
     Total noninterest expenses
221,255
211,757
190,372
       
Income before income taxes
111,027
108,805
103,527
Income taxes
32,198
31,737
30,385
Net income
$78,829
$77,068
$73,142
       
Basic earnings per share
$1.96
$1.95
$2.03
Diluted earnings per share
$1.94
$1.93
$2.01

 





 
The accompanying notes are an integral part of the consolidated financial statements.

 
52
 

COMMUNITY BANK SYSTEM, INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME
(In Thousands)
 
 
Years Ended December 31,
 
2013
2012
2011
       
Pension and other post retirement obligations:
      
Amortization of actuarial gains/(losses) included in net periodic pension cost, gross
$35,395
($3,786)
($16,006)
Tax effect
(13,841)
1,469
6,167
Amortization of actuarial gains/(losses) included in net periodic pension cost, net
21,554
(2,317)
(9,839)
       
Amortization of prior service cost included in net periodic pension cost, gross
(1,502)
(970)
(1,207)
Tax effect
588
376
465
 Amortization of prior service cost included in net periodic pension cost, net
(914)
(594)
(742)
       
Other comprehensive income/(loss) related to pension and other post retirement obligations, net of taxes
20,640
(2,911)
(10,581)
       
Derivative instruments used in cash flow hedging relationships:
      
Unrealized losses on derivative instruments used in cash flow hedging relationships, gross
$0
$0
3,232
Tax effect
0
0
(1,252)
Unrealized losses on derivative instruments, net
0
0
1,980
Unrealized gains on securities:
      
Net unrealized holding (losses)/gains arising during period, gross
(79,899)
46,236
75,609
Tax effect
30,385
(17,978)
(28,485)
Net unrealized holding (losses)/gains arising during period, net
(49,514)
28,258
47,124
       
Reclassification adjustment for net gains included in net income, gross
(80,768)
(291)
(30)
Tax effect
29,756
113
12
Reclassification adjustment for net loss included in net income, net
(51,012)
(178)
(18)
       
Unrealized holding loss, net related to securities transferred from held-to-maturity to available-for-sale, gross
(1,791)
0
0
Tax effect
797
0
0
Reclassification adjustment for net loss transferred from held-to-maturity to available-for-sale, gross
(994)
0
0
       
Other comprehensive (loss)/income related to unrealized (loss)/gain on available-for-sale securities, net of taxes
(101,520)
28,080
47,106
       
Other comprehensive (loss)/income, net of tax
(80,880)
25,169
38,505
Net income
78,829
77,068
73,142
Comprehensive (loss)/income
($2,051)
$102,237
$111,647
 
As of December 31,
 
2013
2012
2011
Accumulated Other Comprehensive Income By Component:
      
Unrealized loss for pension and other postretirement obligations
($11,339)
($45,232)
($40,477)
Tax effect
4,194
17,447
15,603
Net unrealized loss for pension and other postretirement obligations
(7,145)
(27,785)
(24,874)
       
Unrealized (loss)/gain on available-for-sale securities
(31,002)
131,456
85,512
Tax effect
11,601
(49,337)
(31,473)
Net unrealized (loss)/gain on available-for-sale securities
(19,401)
82,119
54,039
       
Accumulated other comprehensive (loss)/income
($26,546)
$54,334
$29,165
 
 
 
 
 
 
 
 
The accompanying notes are an integral part of the consolidated financial statements.

 
53
 

COMMUNITY BANK SYSTEM, INC.
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS' EQUITY
Years ended December 31, 2011, 2012 and 2013
(In Thousands, Except Share Data)

 
       
Accumulated
    
 
Common Stock
Additional
  
Other
    
 
Shares
Amount
Paid-in
Retained
Comprehensive
Treasury
  
 
Outstanding
Issued
Capital
Earnings
(Loss)/Income
Stock
Total
               
Balance at December 31, 2010
33,318,943
$34,131
$225,543
$374,700
($9,340)
($17,776)
$607,258
Net income
      
73,142
    
73,142
Other comprehensive income,
              
   net of tax
        
38,505
  
38,505
Dividends declared:
              
   Common, $1.00 per share
      
(36,037)
    
(36,037)
Common stock issued under               
   employee stock plan,              
   including tax benefits of $703
314,665
311
4,947
    
93
5,351
Stock-based compensation
    
3,784
      
3,784
Stock issued for acquisition
3,352,801
3,353
79,227
      
82,580
Balance at December 31, 2011
36,986,409
37,795
313,501
411,805
29,165
(17,683)
774,583
Net income
      
77,068
    
77,068
Other comprehensive income,
              
   net of tax
        
25,169
  
25,169
Dividends declared:
              
   Common, $1.06 per share
      
(41,855)
    
(41,855)
Common stock issued under 
              
   employee stock plan,              
   including tax benefits of $1,524
509,724
496
8,457
    
275
9,228
Stock-based compensation
    
3,668
      
3,668
Common stock issuance
2,129,800
2,130
52,787
      
54,917
Balance at December 31, 2012
39,625,933
40,421
378,413
447,018
54,334
(17,408)
902,778
Net income
      
78,829
    
78,829
Other comprehensive income
              
   (loss), net of tax
        
(80,880)
  
(80,880)
Dividends declared:
              
   Common, $1.10 per share
      
(44,115)
    
(44,115)
Common stock issued under
             
   employee stock plan,              
   including tax benefits of $1,825
805,385
792
14,154
    
293
15,239
Stock-based compensation
    
3,961
      
3,961
Balance at December 31, 2013
40,431,318
$41,213
$396,528
$481,732
($26,546)
($17,115)
$875,812
               


 





The accompanying notes are an integral part of the consolidated financial statements.

 
54
 

 COMMUNITY BANK SYSTEM, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS
(In Thousands of Dollars)
 
Years Ended December 31,
 
2013
2012
2011
Operating activities:
      
  Net income
$78,829
$77,068
$73,142
  Adjustments to reconcile net income to net cash provided by operating activities:
      
     Depreciation
12,236
11,482
11,374
     Amortization of intangible assets
4,469
4,607
4,381
     Net accretion of premiums & discounts on securities, loans and borrowings
(5,959)
(9,379)
(5,373)
     Stock-based compensation
3,961
3,668
3,784
     Provision for loan losses
7,992
9,108
4,736
     Provision for deferred income taxes
7,130
12,032
12,942
     Amortization of mortgage servicing rights
529
687
868
     Income from bank-owned life insurance policies
(1,066)
(1,121)
(894)
     Gain on sales of investment securities, net
(80,768)
(291)
(30)
     Loss on debt extinguishments
87,336
0
91
     Net loss (gain) on sale of loans and other assets
257
247
(422)
     Net change in loans originated for sale
(515)
608
4,047
     Change in other assets and liabilities
(11,247)
(292)
(14,268)
       Net cash provided by operating activities
103,184
108,424
94,378
Investing activities:
      
  Proceeds from sales of available-for-sale investment securities
713,694
5,378
15,330
  Proceeds from sales of held-to-maturity investment securities
450,032
0
0
  Proceeds from sales of other securities
26,649
278
1,032
  Proceeds from maturities of held-to-maturity investment securities
31,595
28,340
65,062
  Proceeds from maturities of available-for-sale investment securities
234,021
215,223
254,368
  Purchases of held-to-maturity investment securities
(8,308)
(110,925)
(13,292)
  Purchases of available-for-sale investment securities
(923,588)
(752,891)
(353,498)
  Purchases of other securities
0
(615)
(2,908)
  Net change in loans
(248,962)
(239,174)
16,078
  Cash received for acquisitions, net of cash acquired of $291,990, $5,510, and $26,901, respectively
291,980
600,972
4,746
  Purchases of premises and equipment
(13,855)
(10,846)
(9,613)
       Net cash provided by/(used in) investing activities
553,258
(264,260)
(22,695)
Financing activities:
      
  Net change in deposits
(35,451)
34,832
89,646
  Net change in borrowings, net of payments of $815,384, $220 and $25,938
(673,484)
(220)
(19,938)
  Issuance of common stock
15,239
64,145
5,351
  Cash dividends paid
(43,482)
(40,765)
(34,404)
  Tax benefits from share-based payment arrangements
1,825
1,524
703
       Net cash (used in)/provided by financing activities
(735,353)
59,516
41,358
Change in cash and cash equivalents
(78,911)
(96,320)
113,041
Cash and cash equivalents at beginning of year
228,558
324,878
211,837
Cash and cash equivalents at end of year
$149,647
$228,558
$324,878
Supplemental disclosures of cash flow information:
      
  Cash paid for interest
$30,141
$51,541
$61,564
  Cash paid for income taxes
23,648
16,462
20,810
Supplemental disclosures of noncash financing and investing activities:
      
  Dividends declared and unpaid
11,332
10,699
9,609
  Transfers from loans to other real estate
8,325
5,059
5,186
  Transfer of investment securities from held-to-maturity to available-for-sale
198,890
0
0
  Acquisitions:
      
     Fair value of assets acquired, excluding acquired cash and intangibles
3,678
165,885
815,824
     Fair value of liabilities assumed
303,494
798,031
791,222


 
 
 
 
 
 
The accompanying notes are an integral part of the consolidated financial statements.

 
55
 

COMMUNITY BANK SYSTEM, INC.

 
NOTE A:  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
 
Nature of Operations
Community Bank System, Inc. (the “Company”) is a single bank holding company which wholly-owns five consolidated subsidiaries: Community Bank, N.A. (the “Bank”), Benefit Plans Administrative Services, Inc. (“BPAS”), CFSI Closeout Corp. (“CFSICC”), First of Jermyn Realty Co. (“FJRC”), and Town & Country Agency LLC (“T&C”).  BPAS owns four subsidiaries, Benefit Plans Administrative Services, LLC (“BPA”), Harbridge Consulting Group, LLC (“Harbrdge”), BPAS Trust Company of Puerto Rico; and Hand Benefits & Trust, Inc. (“HB&T”), which, as of December 31, 2013 owned two subsidiaries Hand Securities Inc. (“HSI”), and Flex Corporation (“Flex”), which was merged with BPA on January 1, 2014.  BPAS provides administration, consulting and actuarial services to sponsors of employee benefit plans.  CFSICC, FJRC and T&C are inactive companies.  The Company also wholly-owns two unconsolidated subsidiary business trusts formed for the purpose of issuing mandatorily-redeemable preferred securities which are considered Tier I capital under regulatory capital adequacy guidelines (see Note P).

As of December 31, 2013, the Bank operated 183 full service branches under the Community Bank, N.A. name throughout 35 counties of Upstate New York and six counties of Northeastern Pennsylvania offering a range of commercial and retail banking services.  The Bank owns the following subsidiaries: CBNA Insurance Agency, Inc. (“CBNA Insurance”), CBNA Preferred Funding Corporation (“PFC”), CBNA Treasury Management Corporation (“TMC”), Community Investment Services, Inc. (“CISI”), First Liberty Service Corp. (“FLSC”), Nottingham Advisors, Inc. (“Nottingham”), Brilie Corporation (“Brilie”), and Western Catskill Realty, LLC (“WCR”).  CBNA Insurance is a full-service insurance agency offering primarily property and casualty products.  PFC primarily acts as an investor in residential real estate loans.  TMC provides cash management, investment, and treasury services to the Bank.  CISI provides broker-dealer and investment advisory services.  FLSC provides banking-related services to the Pennsylvania branches of the Bank.  Nottingham provides asset management services to individuals, corporate pension and profit sharing plans, and foundations.  Brilie and WCR are inactive companies.

Principles of Consolidation
The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries.  All intercompany accounts and transactions have been eliminated in consolidation.

Variable Interest Entities (“VIE”) are required to be consolidated by a company if it is determined the company is the primary beneficiary of a VIE.  The primary beneficiary of a VIE is the enterprise that has: (1) the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance, and (2) the obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits of the VIE that could potentially be significant to the VIE.  The Company’s wholly-owned subsidiaries, Community Statutory Trust III and Community Capital Trust IV, are VIEs for which the Company is not the primary beneficiary.  Accordingly, the accounts of these entities are not included in the Company’s consolidated financial statements.

Critical Accounting Estimates in the Preparation of Financial Statements
The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Critical accounting estimates include the allowance for loan losses, actuarial assumptions associated with the pension, post-retirement and other employee benefit plans, the provision for income taxes, investment valuation and other-than-temporary impairment, the carrying value of goodwill and other intangible assets, and acquired loan valuations.

Risk and Uncertainties
In the normal course of its business, the Company encounters economic and regulatory risks.  There are three main components of economic risk: interest rate risk, credit risk and market risk.  The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different basis, from its interest-earning assets.  The Company’s primary credit risk is the risk of default on the Company’s loan portfolio that results from the borrowers’ inability or unwillingness to make contractually required payments.  Market risk reflects potential changes in the value of collateral underlying loans, the fair value of investment securities, and loans held for sale.

The Company is subject to regulations of various governmental agencies.  These regulations can change significantly from period to period.  The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loan loss allowances, and operating restrictions resulting from the regulators’ judgments based on information available to them at the time of their examinations.

 
56
 

Revenue Recognition
The Company recognizes income on an accrual basis. CISI recognizes fee income when investment and insurance products are sold to customers.  Nottingham provides asset management services to brokerage firms and clients and recognizes income ratably over the contract period during which service is performed.  Revenue from BPA’s administration and recordkeeping services is recognized ratably over the service contract period.  Revenue from consulting and actuarial services is recognized when services are rendered.  CBNA Insurance recognizes commission revenue at the later of the effective date of the insurance policy, or the date on which the policy premium is billed to the customer.  At that date, the earnings process has been completed and the impact of refunds for policy cancellations can be reasonably estimated to establish reserves. The reserve for policy cancellations is based upon historical cancellation experience adjusted for known circumstances. All intercompany revenue and expense among related entities are eliminated in consolidation.

Cash and Cash Equivalents
For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks and highly liquid investments with original maturities of less than 90 days.  The carrying amounts reported in the balance sheet for cash and cash equivalents approximate those assets’ fair values.

Investment Securities
The Company has classified its investments in debt and equity securities as held-to-maturity or available-for-sale.  Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.  As discussed further in Note D, the Company reclassified its held-to-maturity portfolio to available-for-sale and the Company will not be able to use the held-to-maturity classification for the foreseeable future.  Securities classified as available-for-sale and are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.  None of the Company's investment securities have been classified as trading securities at December 31, 2013.  Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York (“Federal Reserve”) and Federal Home Loan Bank of New York (“FHLB”).  During 2013 the Company sold certain held-to-maturity securities.  As a result of the transaction, the Company will not be able to use the held-to-maturity classification for the foreseeable future.

Fair values for investment securities are based upon quoted market prices, where available.  If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.

The Company conducts an assessment of all securities in an unrealized loss position to determine if other-than-temporary impairment (“OTTI”) exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.  The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about and expectations of future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.  The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.
 
An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.  In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.

Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.

The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.  Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.  Purchases and sales of securities are recognized on a trade date basis.
 
 
 
57
 

 
Derivative Financial Instruments
The Company has utilized interest rate swap agreements, considered to be cash flow hedges, as part of the management of interest rate risk to modify the repricing characteristics of certain portions of its portfolios of interest-bearing liabilities. These derivative instruments, when used, are required to be carried at fair value on the balance sheet.

Cash flow hedges are accounted for by recording the fair value of the derivative instrument on the balance sheet as either a freestanding asset or liability, with a corresponding offset recorded in other comprehensive income within shareholders’ equity, net of income tax effect.  Amounts are reclassified from other comprehensive income to the income statement in the period or periods the hedged transaction affects earnings.  Derivative gains and losses not effective in hedging the expected cash flows of the hedged item are recognized immediately in the income statement.  At the hedge’s inception and at least quarterly thereafter, a formal assessment is performed to determine the effectiveness of the cash flow hedge.  If it is determined that a derivative instrument has not been or will not continue to be highly effective as a hedge, hedge accounting is discontinued.
 
 
Loans
Loans are stated at unpaid principal balances, net of unearned income.  Mortgage loans held for sale are carried at fair value and are included in loans held for sale on the balance sheet. Fair values for variable rate loans that reprice frequently are based on carrying values.  Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.  The carrying amount of accrued interest approximates its fair value.

Interest on loans is accrued and credited to operations based upon the principal amount outstanding.  Nonrefundable loan fees and related direct costs are deferred and included in the loan balances where they are amortized over the life of the loan as an adjustment to loan yield using the effective yield method.  Premiums and discounts on purchased loans are amortized using the effective yield method over the life of the loans.

Acquired loans
Acquired loans are initially recorded at their acquisition date fair values.  The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.

Acquired impaired loans
Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under ASC 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.

Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loan to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.

Acquired non-impaired loans
Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan’s cost basis and are accreted (or amortized) to net interest income (or expense) over the loan’s remaining life in accordance with ASC 310- 20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.

Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans is consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan’s unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan losses is recognized.
 
 
 
58
 
 
Impaired and Other Nonaccrual Loans
The Company places a loan on nonaccrual status when the loan becomes 90 days past due (or sooner, if management concludes collection is doubtful), except when, in the opinion of management, it is well-collateralized and in the process of collection.  A loan may be placed on nonaccrual status earlier than ninety days past due if there is deterioration in the financial position of the borrower or if other conditions of the loan so warrant. When a loan is placed on nonaccrual status, uncollected accrued interest is reversed against interest income and the amortization of nonrefundable loan fees and related direct costs is discontinued. Interest income during the period the loan is on nonaccrual status is recorded on a cash basis after recovery of principal is reasonably assured. Nonaccrual loans are returned to accrual status when management determines that the borrower’s performance has improved and that both principal and interest are collectible.  This generally requires a sustained period of timely principal and interest payments and a well-documented credit evaluation of the borrower’s financial condition.

A loan is considered modified in a troubled debt restructuring (“TDR”) when, due to a borrower’s financial difficulties, the Company makes a concession(s) to the borrower that it would not otherwise consider.  These modifications may include, among others, an extension for the term of the loan, or granting a period when interest–only payments can be made with the principal payments and interest caught up over the remaining term of the loan or at maturity.  Generally, a nonaccrual loan that has been modified in a TDR remains on nonaccrual status for a period of 12 months to demonstrate that the borrower is able to meet the terms of the modified loan.  If the borrower’s ability to meet the revised payment schedule is uncertain, the loan remains on nonaccrual status.
 
During 2012, new regulatory guidance was issued by the OCC addressing the accounting of certain loans that have been discharged in Chapter 7 bankruptcy.  In accordance with this new guidance, loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.  The Company’s lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.

Commercial loans greater than $0.5 million are evaluated individually for impairment.  A loan is considered impaired, based on current information and events, if it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  The measurement of impaired loans is generally based upon the present value of expected future cash flows or the fair value of the collateral, if the loan is collateral-dependent.

The Company’s charge-off policy by loan type is as follows:
·  
Business lending loans are generally charged-off to the extent outstanding principal exceeds the fair value of estimated proceeds from collection efforts, including liquidation
of collateral.  The charge-off is recognized when the loss becomes reasonably quantifiable.
·  
Consumer installment loans are generally charged-off to the extent outstanding principal balance exceeds the fair value of collateral, and are recognized by the end of the month
in which the loan becomes 90 days past due.
·  
Consumer mortgage and home equity loans are generally charged-off to the extent outstanding principal exceeds the fair value of the property, less estimated costs to sell, and
are recognized when the loan becomes 180 days past due.

Allowance for Loan Losses
Management continually evaluates the credit quality of the Company’s loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.  The allowance reflects management’s best estimate of probable losses inherent in the loan portfolio.  Determination of the allowance is subjective in nature and requires significant estimates.   The Company’s allowance methodology consists of two broad components - general and specific loan loss allocations.

The general loan loss allocation is composed of two calculations that are computed on five main loan segments:  business lending, consumer installment - direct, consumer installment - indirect, home equity and consumer mortgage.  The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors:  levels and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.    A component of the qualitative calculation is the unallocated allowance for loan loss.  The qualitative and quantitative calculations are added together to determine the general loan loss allocation.  The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.  Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.
 
 
 
59
 

Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.  A provision for loan losses is charged to operations based on management’s periodic evaluation of factors previously mentioned.

Intangible Assets
Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.

The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The implied fair value of a reporting unit’s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.

Premises and Equipment
Premises and equipment are stated at cost less accumulated depreciation.  Computer software costs that are capitalized only include external direct costs of obtaining and installing the software.  The Company has not developed any internal use software.  Depreciation is calculated using the straight-line method over the estimated useful lives of the assets.  Useful lives range from three to 10 years for equipment; three to seven years for software and hardware; and 10 to 40 years for building and building improvements.  Land improvements are depreciated over 20 years and leasehold improvements are amortized over the shorter of the term of the respective lease plus any optional renewal periods that are reasonably assured or life of the asset. Maintenance and repairs are charged to expense as incurred.

Other Real Estate
Other real estate owned is comprised of properties acquired through foreclosure, or by deed in lieu of foreclosure.  These assets are carried at fair value less estimated costs of disposal.  At foreclosure, if the fair value, less estimated costs to sell, of the real estate acquired is less than the Company’s recorded investment in the related loan, a write-down is recognized through a charge to the allowance for loan losses.  Any subsequent reduction in value is recognized by a charge to income.  Operating costs associated with the properties are charged to expense as incurred.  At December 31, 2013 and 2012, other real estate amounted to $5.1 million and $4.8 million, respectively, and is included in other assets.

Mortgage Servicing Rights
Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the period of estimated net servicing income or loss.  The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights.  In using this valuation method, the Company incorporates assumptions that market participants would use in estimating future net servicing income, which includes estimates of the servicing cost per loan, the discount rate, and prepayment speeds.  The carrying value of the originated mortgage servicing rights is included in other assets and is evaluated quarterly for impairment using these same market assumptions.  The amount of impairment recognized is the amount by which the carrying value of the capitalized servicing rights for a stratum exceeds estimated fair value.  Impairment is recognized through a valuation allowance.

Treasury Stock
Repurchases of shares of the Company’s common stock are recorded at cost as a reduction of shareholders’ equity.  Reissuance of shares of treasury stock is recorded at average cost.

Income Taxes
The Company and its subsidiaries file a consolidated federal income tax return.  Provisions for income taxes are based on taxes currently payable or refundable as well as deferred taxes that are based on temporary differences between the tax basis of assets and liabilities and their reported amounts in the financial statements.  Deferred tax assets and liabilities are reported in the financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.

Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority having full knowledge of all relevant information. A tax position meeting the more-likely-than-not recognition threshold should be measured at the largest amount of benefit for which the likelihood of realization upon ultimate settlement exceeds 50 percent.


 
60
 


Retirement Benefits
The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases and expected return on plan assets.
 
Assets Under Management or Administration
Assets held in fiduciary or agency capacities for customers are not included in the accompanying consolidated statements of condition as they are not assets of the Company.  All fees associated with providing asset management services are recorded on an accrual basis of accounting and are included in noninterest income.

Advertising
Advertising costs amounting to approximately $3.0 million, $2.6 million and $2.5 million for the years ending December 31, 2013, 2012 and 2011, respectively, are nondirect response in nature and expensed as incurred.

Earnings Per Share
Using the two-class method, basic earnings per common share is computed based upon net income available to common shareholders divided by the weighted average number of common shares outstanding during each period, which excludes the outstanding unvested restricted stock as they contain nonforfeitable rights to dividends.  Diluted earnings per share is computed using the weighted average number of common shares determined for the basic earnings per common share computation plus the dilutive effect of stock options using the treasury stock method.  Stock options where the exercise price is greater than the average market price of common shares were not included in the computation of earnings per diluted share as they would have been anti-dilutive.

Stock-based Compensation
Companies are required to measure and record compensation expense for stock options and other share-based payments on the instruments’ fair value on the date of grant.  The Company uses the modified prospective method.  Under this method, expense is recognized for awards that are granted, modified, or settled after December 31, 2005, as well as for unvested awards that were granted prior to January 1, 2006.  Stock-based compensation expense is recognized ratably over the requisite service period for all awards (see Note L).
 
Fair Values of Financial Instruments
The Company determines fair values based on quoted market values where available or on estimates using present values or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.  In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument.  Certain financial instruments and all nonfinancial instruments are excluded from this disclosure requirement.  Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.  The fair values of investment securities, loans, deposits, and borrowings have been disclosed in Note R.

Reclassifications
Certain reclassifications have been made to prior years’ balances to conform to the current year presentation.

New Accounting Pronouncements
In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40):  Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  This new guidance clarifies when an in substance repossession or foreclosure occurs, and requires all creditors who obtain physical possession (resulting from an in substance repossession or foreclosure) of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable to reclassify the collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s consolidated financial statements.

NOTE B:  ACQUISITIONS

On December 13, 2013, the Bank completed its acquisition of eight branches in Northern Pennsylvania from Bank of America, N.A. (“B of A”), acquiring approximately $303 million of deposits and $1 million of loans.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing commercial loans. Under the terms of the purchase agreement, the Bank paid a blended deposit premium of 2.4%, or approximately $7.3 million.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.  
 
 
 
61
 

On September 7, 2012, the Bank completed its acquisition of three branches in Western New York from First Niagara Bank, N.A. (“First Niagara”), acquiring approximately $54 million of loans and $101 million of deposits.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing loans, primarily residential real estate loans. Under the terms of the purchase agreement, the Bank paid a blended deposit premium of 3.1%, or approximately $3 million.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.  

On July 20, 2012,  the Bank completed its acquisition of 16 retail branches in Central, Northern and Western New York from HSBC Bank USA, N.A. (“HSBC”), acquiring approximately $106 million in loans and $697 million of deposits.  The assumed deposits consist primarily of core deposits (checking, savings and money markets accounts) and the purchased loans consist of in-market performing loans, primarily residential real estate loans.  Under the terms of the purchase agreement, the Bank paid First Niagara (who acquired HSBC’s Upstate New York banking business and assigned its right to purchase the 16 branches to the Bank) a blended deposit premium of 3.4%, or approximately $24 million.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.  

On November 30, 2011, the Company, through its BPAS subsidiary, acquired certain assets and liabilities of CAI Benefits, Inc. (“CAI”), a provider of actuarial, consulting and retirement plan administration services, with offices in New York City and Northern New Jersey.  The Company acquired $1.4 million of assets and $0.2 million of liabilities.  The results of CAI’s operations have been included in the consolidated financial statements since that date.  The transaction adds valuable service capacity and enhances distribution prospects in support of the Company’s broader-based employee benefits business, including daily valuation plan and collective investment fund administration.

On April 8, 2011, the Company acquired The Wilber Corporation (“Wilber”), parent company of Wilber National Bank, for approximately $103 million in stock and cash, comprised of $20.4 million in cash and the issuance of 3.35 million additional shares of the Company’s common stock.  Based in Oneonta, New York, Wilber operated 22 branches in the Central, Greater Capital District, and Catskill regions of Upstate New York.  Wilber was merged into the Company and Wilber National Bank was merged into the Bank.  The Company acquired $462.3 million of loans, $297.6 million of investments, $771.6 million of deposits, and $19.7 million of borrowings.  The results of Wilber’s operations have been included in the Company’s financial statements since that date.

The assets and liabilities assumed in the acquisitions were recorded at their estimated fair values based on management's best estimates using information available at the dates of the acquisition, and are subject to adjustment based on updated information not available at the time of acquisition.  The following table summarizes the estimated fair value of the assets acquired and liabilities assumed.

(000s omitted)
2013
2012
2011
Consideration paid (received):
      
Community Bank System, Inc. common stock
$0 
$0 
$82,580 
Cash
(291,980) 
(595,462) 
22,155 
   Total net consideration paid (received)
(291,980) 
(595,462) 
104,735 
Recognized amounts of identifiable assets
acquired and liabilities assumed:
      
Cash and cash equivalents
0 
5,510 
26,901 
Investment securities
0 
0 
297,573 
Loans
1,106 
160,116 
462,334 
Premises and equipment
2,549 
4,941 
6,360 
Accrued interest receivable
5 
588 
2,615 
Other assets/(liabilities), net
(18) 
171 
46,942 
Core deposit intangibles
2,537 
6,521 
4,016 
Other intangibles
9 
0 
1,858 
Deposits
(303,456) 
(797,962) 
(771,554) 
Borrowings
0 
0 
(19,668) 
  Total identifiable assets (liabilities), net
(297,268) 
(620,115) 
57,377 
     Goodwill
$5,288 
$24,653 
$  47,358 

Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments were aggregated by comparable characteristics and  recorded at fair value without a carryover of the related allowance for loan losses.  Cash flows for each loan were determined using an estimate of credit losses and an estimated rate of prepayments.  Projected monthly cash flows were then discounted to present value using a market-based discount rate.  The excess of the undiscounted expected cash flows over the estimated fair value is referred to as the “accretable yield” and is recognized into interest income over the remaining lives of the acquired loans.


 
62
 


The following is a summary of the loans acquired in the Wilber acquisition at the date of acquisition:

 
(000’s omitted)
Acquired Impaired
Loans
Acquired
Non-Impaired
Loans
Total
Acquired
Loans
Contractually required principal and interest at acquisition
$41,730 
$680,516   
$722,246   
Contractual cash flows not expected to be collected
 (20,061) 
(31,115)   
(51,176)   
    Expected cash flows at acquisition
21,669 
649,401   
671,070   
Interest component of expected cash flows
(2,509) 
(206,227)   
(208,736)   
   Fair value of acquired loans
$19,160 
$443,174   
$462,334   

The following is a summary of the loans acquired from HSBC and First Niagara at the date of acquisition:

 
(000’s omitted)
Acquired Impaired
Loans
Acquired
Non-Impaired
Loans
Total
Acquired
 Loans
Contractually required principal and interest at acquisition
$0   
$201,745   
$201,745   
Contractual cash flows not expected to be collected
0   
(3,555)   
(3,555)   
    Expected cash flows at acquisition
0   
198,190   
198,190   
Interest component of expected cash flows
0   
(38,074)   
(38,074)   
   Fair value of acquired loans
$0   
$160,116   
$160,116   

The fair value of checking, savings and money market deposit accounts acquired were assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand.  Certificate of deposit accounts were valued as the present value of the certificates’ expected contractual payments discounted at market rates for similar certificates.

The core deposit intangibles and other intangibles related to the B of A, HSBC, Wilber, and CAI acquisitions are being amortized using an accelerated method over their estimated useful life of approximately eight to ten years.  The goodwill, which is not amortized for book purposes, was assigned to the Banking segment for the B of A, First Niagara, HSBC and Wilber acquisitions and to the Employee Benefit Services segment for the CAI acquisition.  The goodwill arising from the Wilber acquisition is not deductible for tax purposes while the goodwill arising from the CAI, B of A branch, HSBC branch and First Niagara branch acquisitions is deductible for tax purposes.

Direct costs related to the acquisitions were expensed as incurred.  Merger and acquisition integration-related expenses amount to $2.2 million, $5.7 million and $4.8 million during 2013, 2012 and 2011, respectively, and have been separately stated in the Consolidated Statements of Income.

Supplemental pro forma financial information related to the B of A, HSBC and First Niagara acquisitions has not been provided as it would be impracticable to do so.  Historical financial information regarding the acquired branches is not accessible and thus the amounts would require estimates so significant as to render the disclosure irrelevant.

During the fourth quarter, the Company announced that its subsidiary, Harbridge, reached an agreement to acquire a professional services practice from EBS-RMSCO, Inc., a subsidiary of The Lifetime Healthcare Companies.  This professional services practice, which provides actuarial valuation and consulting services to clients who sponsor pension and post-retirement medical and welfare plans, enhances the Company’s participation in the Western New York.  The transaction was completed as planned on January 1, 2014.


 
63
 


NOTE C:  INVESTMENT SECURITIES

The amortized cost and estimated fair value of investment securities as of December 31 are as follows:

 
2013
  
2012
   
Gross
Gross
Estimated
    
Gross
Gross
Estimated
 
Amortized
Unrealized
Unrealized
Fair
  
Amortized
Unrealized
Unrealized
Fair
(000's omitted)
Cost
Gains
Losses
Value
  
Cost
Gains
Losses
Value
Held-to-Maturity Portfolio:
                  
U.S. Treasury and agency securities
$0
$0
$0
$0
  
$548,634
$59,081
$0
$607,715
Obligations of state and political subdivisions
0
0
0
0
  
65,742
5,850
0
71,592
Government agency mortgage-backed securities
0
0
0
0
  
20,578
1,079
0
21,657
Corporate debt securities
0
0
0
0
  
2,924
53
0
2,977
Other securities
0
0
0
0
  
16
0
0
16
Total held-to-maturity portfolio
$0
$0
$0
$0
  
$637,894
$66,063
$0
$703,957
                   
Available-for-Sale Portfolio:
                  
U.S. Treasury and agency securities
$1,252,332
$1,119
$41,304
$1,212,147
  
$988,217
$91,040
$0
$1,079,257
Obligations of state and political subdivisions
665,441
15,919
12,378
668,982
  
629,883
33,070
61
662,892
Government agency mortgage-backed securities
250,431
8,660
4,113
254,978
  
253,013
16,989
51
269,951
Pooled trust preferred securities
0
0
0
0
  
61,979
0
12,379
49,600
Corporate debt securities
26,932
873
218
27,587
  
24,136
1,265
44
25,357
Government agency collateralized mortgage obligations
21,779
362
93
22,048
  
32,359
1,579
3
33,935
Marketable equity securities
250
171
0
421
  
351
94
43
402
Total available-for-sale portfolio
$2,217,165
$27,104
$58,106
$2,186,163
  
$1,989,938
$144,037
$12,581
$2,121,394
                   
Other Securities:
                  
Federal Reserve Bank common stock
$16,050
    
$16,050
  
$16,050
    
$16,050
Federal Home Loan Bank common stock
12,053
    
12,053
  
38,111
    
38,111
Other equity securities
4,459
    
4,459
  
5,078
    
5,078
Total other securities
$32,562
    
$32,562
  
$59,239
    
$59,239

The Company undertook a balance sheet restructuring program during the first half of 2013 through the sale of certain longer duration investment securities and retirement of the Company’s existing FHLB term borrowings.  During the first half of 2013, the Company sold $648.7 million of U.S. Treasury and agency securities classified as available-for-sale, realizing $63.8 million of gains.  The proceeds from those sales were utilized to retire FHLB term borrowings.

In December 2013, in response to the issuance of the “Volcker Rule”, the Company sold its entire portfolio of pooled trust preferred securities, realizing a loss of $15.5 million, as well as U.S. Treasury securities with a book value of $417.6 million that were previously classified as held-to-maturity, realizing $32.4 million of gains.  The proceeds from these sales were utilized to retire the remaining FHLB term borrowings.  As a result of the securities sold from the held-to-maturity classification, the remaining unsold securities within the held-to-maturity classification, with a book value of $198.9 million, were transferred to the available-for-sale classification prior to December 31, 2013. An unrealized loss of $1.8 million was recorded in accumulated other comprehensive income.  In addition, as a result of the sale of securities classified as held-to-maturity, the Company will not be able to use the held-to-maturity classification for the foreseeable future.


 
64
 


A summary of investment securities that have been in a continuous unrealized loss position for less than or greater than twelve months is as follows:

As of December 31, 2013
   
Less than 12 Months
    
12 Months or Longer
   Total
       
Gross
      
Gross
      
Gross
     
Fair
Unrealized
    
Fair
Unrealized
    
Fair
Unrealized
(000's omitted)
  
#
Value
Losses
  
#
Value
Losses
  
#
Value
Losses
                         
Available-for-Sale Portfolio:
                        
 U.S. Treasury and agency obligations
  
43
$1,181,214
$41,304
  
0
$0
$0
  
43
$1,181,214
$41,304
 Obligations of state and political subdivisions
  
302
195,526
11,774
  
9
4,974
604
  
311
200,500
12,378
 Government agency mortgage-backed securities
  
43
68,917
3,262
  
6
8,713
851
  
49
77,630
4,113
 Corporate debt securities
  
1
3,026
31
  
1
2,703
187
  
2
5,729
218
 Government agency collateralized mortgage obligations
  
1
2,601
93
  
1
7
0
  
2
2,608
93
    Total available-for-sale/investment portfolio
  
390
$1,451,284
$56,464
  
17
$16,397
$1,642
  
407
$1,467,681
$58,106
 
As of December 31, 2012
 
     
Less than 12 Months
    
12 Months or Longer
   Total
       
Gross
      
Gross
      
Gross
     
Fair
Unrealized
    
Fair
Unrealized
    
Fair
Unrealized
(000's omitted)
  
#
Value
Losses
  
#
Value
Losses
  
#
Value
Losses
                         
Available-for-Sale Portfolio:
                        
 Obligations of state and political subdivisions
  
19
$11,503
$61
  
0
$0
$0
  
19
$11,503
$61
 Pooled trust preferred securities
  
0
0
0
  
3
49,600
12,379
  
3
49,600
12,379
 Government agency mortgage-backed securities
  
8
14,354
51
  
0
0
0
  
8
14,354
51
 Corporate debt securities
  
1
2,905
44
  
0
0
0
  
1
2,905
44
 Government agency collateralized mortgage obligations
  
4
426
2
  
2
1,041
1
  
6
1,467
3
 Marketable equity securities
  
0
0
0
  
1
158
43
  
1
158
43
    Total available-for-sale/investment portfolio
  
32
$29,188
$158
  
6
$50,799
$12,423
  
38
$79,987
$12,581

The unrealized losses reported pertaining to securities issued by the U.S. government and its’ sponsored entities, include treasuries, agencies, and mortgage-backed securities issued by GNMA, FNMA and FHLMC which are currently rated AAA by Moody’s Investor Services, AA+ by Standard & Poor’s and are guaranteed by the U.S. government. The majority of the obligations of state and political subdivisions and corporations carry a credit rating of A or better.  Additionally, a majority of the obligations of state and political subdivisions carry a secondary level of credit enhancement. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to recovery of the amortized cost. The unrealized losses in the portfolios are primarily attributable to changes in interest rates.  As such, management does not believe any individual unrealized loss as of December 31, 2013 represents OTTI.

The amortized cost and estimated fair value of debt securities at December 31, 2013, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately.

   
Available-for-Sale
   
Amortized
Fair
(000's omitted)
  
Cost
Value
Due in one year or less
  
$40,802
$41,307
Due after one through five years
  
177,826
184,053
Due after five years through ten years
  
1,452,472
1,414,410
Due after ten years
  
273,605
268,946
     Subtotal
  
1,944,705
1,908,716
Government agency mortgage-backed securities
  
250,431
254,978
Government agency collateralized mortgage obligations
  
21,779
22,048
     Total
  
$2,216,915
$2,185,742
 

 
 
65
 
 
Cash flow information on investment securities for the years ended December 31 is as follows:

(000's omitted)
2013
2012
2011
Gross gains on sales of investment securities
$96,258
$350
$349
Gross losses on sales of investment securities
15,490
59
319
Proceeds from the maturities of mortgage-backed securities and CMO's
83,232
109,843
97,224
Purchases of mortgage-backed securities and CMO's
51,194
26,292
253,378

Investment securities with a carrying value of $0.978 billion and $1.176 billion at December 31, 2013 and 2012, respectively, were pledged to collateralize certain deposits and borrowings.

NOTE D:  LOANS

The segments of the Company’s loan portfolio are disaggregated into the following classes that allow management to monitor risk and performance:
·  
Consumer mortgages - consist primarily of fixed rate residential instruments, typically 15 – 30 years in contractual term, secured by first liens on real property.
·  
Business lending - is comprised of general purpose commercial and industrial loans including, but not limited to agricultural-related and dealer floor plans, as well as mortgages on
commercial property.
·  
Consumer indirect - consists primarily of installment loans originated through selected dealerships and are secured by automobiles, marine and other recreational vehicles.
·  
Consumer direct - all other loans to consumers such as personal installment loans and lines of credit.
·  
Home equity products - are consumer purpose installment loans or lines of credit most often secured by a first or second lien position on residential real estate with terms of up to 30 years.

The balance of these classes at December 31 are summarized as follows:

(000's omitted)
2013
2012
Consumer mortgage
$1,582,058
$1,448,415
Business lending
1,260,364
1,233,944
Consumer indirect
740,002
647,518
Consumer direct
180,139
171,474
Home equity
346,520
364,225
Gross loans, including net deferred origination costs
4,109,083
3,865,576
Allowance for loan losses
(44,319)
(42,888)
Loans, net of allowance for loan losses
$4,064,764
$3,822,688

The Company had approximately $18.5 million and $16.5 million of net deferred loan origination costs included in gross loans as of December 31, 2013 and 2012, respectively.

Certain directors and executive officers of the Company, as well as associates of such persons, are loan customers.  Loans to these individuals were made in the ordinary course of business under normal credit terms and do not have more than a normal risk of collection.  Following is a summary of the aggregate amount of such loans during 2013 and 2012.

(000's omitted)
2013
2012
Balance at beginning of year
$8,292
$11,550
New loans
3,643
2,259
Payments
(2,487)
(5,517)
Balance at end of year
$9,448
$8,292
 

 

 
66
 

 
Acquired loans
Acquired loans are recorded at fair value as of the date of purchase with no allowance for loan loss.  As discussed in Note B (Acquisitions), the company acquired loans of $1 million on December 13, 2013 in its Bank of America branch acquisition, $54 million on September 7, 2012 in its acquisition of First Niagara branches, $106 million on July 20, 2012 in its HSBC branch acquisition, and $462 million on April 8, 2011 in its acquisition of Wilber.  The outstanding principal balance and the related carrying amount of acquired loans included in the Consolidated Statement of Condition at December 31 are as follows:

(000's omitted)
2013
2012
Credit impaired acquired loans:
    
   Outstanding principal balance
$13,052
$19,940
   Carrying amount
7,090
13,761
     
Non-impaired acquired loans:
    
   Outstanding principal balance
342,542
449,739
   Carrying amount
330,118
433,594
     
Total acquired loans:
    
   Outstanding principal balance
355,594
469,679
   Carrying amount
337,208
447,355

The outstanding balance related to credit impaired acquired loans was $15.5 million and $22.4 million at December 31, 2013 and 2012, respectively.  The changes in the accretable discount related to the credit impaired acquired loans are as follows:

(000's omitted)
2013
2012
Balance at beginning of year
$ 1,770 
$2,610 
Accretion recognized
(1,025) 
(1,418) 
Net reclassification to accretable from nonaccretable
252 
578 
Balance at end of year
$997 
$1,770 

Credit Quality
Management monitors the credit quality of its loan portfolio on an ongoing basis.  Measurement of delinquency and past due status are based on the contractual terms of each loan.  Past due loans are reviewed on a monthly basis to identify loans for non-accrual status.  The following is an aged analysis of the Company’s past due loans by class as of December 31, 2013:

Legacy Loans (excludes loans acquired after January 1, 2009)

(000’s omitted)
Past Due
30 - 89
days
90+ Days Past
Due and
 Still Accruing
Nonaccrual
Total
Past Due
Current
Total Loans
Consumer mortgage
$16,589
$1,253
$11,097
 $28,939
$1,473,320
 $1,502,259
Business lending
2,960
164
3,083
6,207
1,079,818
1,086,025
Consumer indirect
11,647
738
14
12,399
723,878
736,277
Consumer direct
1,858
90
4
1,952
169,452
171,404
Home equity
2,635
173
1,867
4,675
271,235
275,910
Total
$35,689
$2,418
$16,065
 $54,172
$3,717,703
 $3,771,875

Acquired Loans (includes loans acquired after January 1, 2009)

 
(000’s omitted)
Past Due
30 - 89
days
90+ Days Past
Due and
 Still Accruing
Nonaccrual
Total
Past Due
 
Acquired Impaired(1)
Current
Total Loans
Consumer mortgage
$1,857
$85
$1,463
$3,405
$0
$76,394
$79,799
Business lending
531
0
1,472
2,003
7,090
165,246
174,339
Consumer indirect
157
17
0
174
0
3,551
3,725
Consumer direct
385
27
0
412
0
8,323
8,735
Home equity
592
8
473
1,073
0
69,537
70,610
Total
$3,522
$137
$3,408
$7,067
$7,090
$323,051
$337,208

(1)  
Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be
performing under ASC 310-30.  As a result interest income, through the accretion of the difference between
the carrying amount of the loans and the expected cashflows, is being recognized on acquired impaired loans.
 
 
 
67
 
 
The following is an aged analysis of the Company’s past due loans by class as of December 31, 2012:

Legacy Loans (excludes loans acquired after January 1, 2009)

(000’s omitted)
Past Due
30 - 89
days
90+ Days Past
Due and
 Still Accruing
Nonaccrual
Total
Past Due
Current
Total Loans
Consumer mortgage
$16,334
$1,553
$8,866
$26,753
$1,318,534
$1,345,287
Business lending
6,012
167
12,010
18,189
984,665
1,002,854
Consumer indirect
9,743
73
0
9,816
627,541
637,357
Consumer direct
1,725
71
8
1,804
154,462
156,266
Home equity
4,124
491
1,044
5,659
270,798
276,457
Total
$37,938
$2,355
$21,928
$62,221
$3,356,000
$3,418,221

Acquired Loans (includes loans acquired after January 1, 2009)

 
(000’s omitted)
Past Due
30 - 89
days
90+ Days Past
Due and
 Still Accruing
Nonaccrual
Total
Past Due
 
Acquired Impaired(1)
Current
Total Loans
Consumer mortgage
$1,726
$265
$2,420
$4,411
$0
$98,717
$103,128
Business lending
3,665
80
1,681
5,426
13,761
211,903
231,090
Consumer indirect
434
0
0
434
0
9,727
10,161
Consumer direct
470
0
0
470
0
14,738
15,208
Home equity
959
48
331
1,338
0
86,430
87,768
Total
$7,254
$393
$4,432
$12,079
$13,761
$421,515
$447,355

(1)  
Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing
under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying
amount of the loans and the expected cashflows, is being recognized on all acquired impaired loans.

The Company uses several credit quality indicators to assess credit risk in an ongoing manner.  The Company’s primary credit quality indicator for its business lending portfolio is an internal credit risk rating system that categorizes loans as “pass”, “special mention”, or “classified”.  Credit risk ratings are applied individually to those classes of loans that have significant or unique credit characteristics that benefit from a case-by-case evaluation.  In general, the following are the definitions of the Company’s credit quality indicators:
 
Pass  The condition of the borrower and the performance of the loans are satisfactory or better.
   
Special mention The condition of the borrower has deteriorated although the loan performs as agreed.
   
Classified
 The condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected.
   
Doubtful The condition of the borrower has deteriorated to the point that collection of the balance is improbable based on current facts and conditions.
 
The following table shows the amount of business lending loans by credit quality category:

 
December 31, 2013
  
December 31, 2012
(000’s omitted)
Legacy
Acquired
Total
  
Legacy
Acquired
Total
Pass
$908,885
$116,271
$1,025,156
  
$818,469
$144,869
$963,338
Special mention
93,600
24,264
117,864
  
92,739
32,328
125,067
Classified
83,379
26,714
110,093
  
90,035
40,132
130,167
Doubtful
161
0
161
  
1,611
0
1,611
Acquired impaired
0
7,090
7,090
  
0
13,761
13,761
Total
$1,086,025
$174,339
$1,260,364
  
$1,002,854
$231,090
$1,233,944

All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis.  These are typically loans to individuals in the consumer categories and are delineated as either performing or nonperforming.  Performing loans include current, 30 – 89 days past due and acquired impaired loans.  Nonperforming loans include 90+ days past due and still accruing and nonaccrual loans.
 
 
 
68
 
 
The following tables detail the balances in all loan categories except for business lending at December 31, 2013:
 
Legacy loans (excludes loans acquired after January 1, 2009)
 
(000’s omitted)
Consumer
Mortgage
Consumer Indirect
Consumer Direct
Home Equity
Total
Performing
$1,489,909
$735,525
$171,310
$273,870
$2,670,614
Nonperforming
12,350
752
94
2,040
15,236
Total
$1,502,259
$736,277
$171,404
$275,910
$2,685,850

Acquired loans (includes loans acquired after January 1, 2009)
 
(000’s omitted)
Consumer
Mortgage
Consumer Indirect
Consumer Direct
Home Equity
Total
Performing
$78,251
$3,708
$8,708
$70,129
$160,796
Nonperforming
1,548
17
27
481
2,073
Total
$79,799
$3,725
$8,735
$70,610
$162,869

The following table details the balances in all other loan categories at December 31, 2012:

Legacy loans (excludes loans acquired after January 1, 2009)
 
(000’s omitted)
Consumer
Mortgage
Consumer Indirect
Consumer Direct
Home Equity
Total
Performing
$1,334,868
$637,284
$156,187
$274,922
$2,403,261
Nonperforming
10,419
73
79
1,535
12,106
Total
$1,345,287
$637,357
$156,266
$276,457
$2,415,367

Acquired loans (includes loans acquired after January 1, 2009
 
(000’s omitted)
Consumer
Mortgage
Consumer Indirect
Consumer Direct
Home Equity
Total
Performing
$100,443
$10,161
$15,208
$87,389
$213,201
Nonperforming
2,685
0
0
379
3,064
Total
$103,128
$10,161
$15,208
$87,768
$216,265

All loan classes are collectively evaluated for impairment except business lending, as described in Note A.  A summary of impaired loans, excluding purchased impaired, as of December 31, 2013 and 2012 are summarized as follows:

(000’s omitted)
2013
2012
Loans with reserve
$945  
$1,611  
Loans without reserve
600  
7,798  
Carrying balance
1,545  
9,409  
Contractual balance
1,852  
12,804  
Specifically allocated allowance
50  
800  
Average impaired loans
10,729  
19,787  
Interest income recognized
18  
185  

In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans.  In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan.  Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (“TDR”) has occurred, which is when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider.  Terms may be modified to fit the ability of the borrower to repay in line with its current financial standing and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.  With regard to determination of the amount of the allowance for loan losses, troubled debt restructured loans are considered to be impaired.  As a result, the determination of the amount of allowance for loan losses related to impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously.


 
69
 


During 2012, clarified guidance was issued by the OCC addressing the accounting for certain loans that have been discharged in Chapter 7 bankruptcy.  In accordance with this clarified guidance, loans that have been discharged in Chapter 7 bankruptcy, but not reaffirmed by the borrower, are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.  The Company’s lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.  The amount of loss incurred in 2012 and 2013 was immaterial.

TDRs less than $0.5 million are collectively included in the general loan loss allocation and the qualitative review, if necessary.  Commercial loans greater than $0.5 million are individually evaluated for impairment, and if necessary, a specific allocation of the allowance for loan losses is provided.  At December 31, 2013 there were no impaired loans that were considered a TDR.

Information regarding troubled debt restructurings as of December 31, 2013 and December 31, 2012 is as follows
 
 
December 31, 2013
  
December 31, 2012
(000’s omitted)
Nonaccrual
Accruing
Total
  
Nonaccrual
Accruing
Total
 
#
Amount
#
Amount
#
Amount
  
#
Amount
#
Amount
#
Amount
Consumer mortgage
31
$1,682
48
$2,171
79
$3,853
  
3
$160
45
$2,074
48
$2,234
Business lending
4
162
1
47
5
209
  
10
3,046
0
0
10
3,046
Consumer indirect
0
0
98
692
98
692
  
0
0
106
718
106
718
Consumer direct
0
0
46
116
46
116
  
0
0
19
116
19
116
Home equity
12
202
20
363
32
565
  
5
70
19
266
24
336
Total
47
$2,046
213
$3,389
260
$5,435
  
18
$3,276
189
$3,174
207
$6,450

The following table presents information related to loans modified in a TDR during the years ended December 31, 2013 and 2012.  Of the loans noted in the table below, all loans for the year ended December 31, 2012 and all but two loans for the year ended December 31, 2013, were modified due to a Chapter 7 bankruptcy as described previously.  The others were a business loan restructured via an extension of term and a consumer mortgage restructured via an extension of term and a rate concession.  The financial effects of these restructurings were immaterial.

 
December 31, 2013
  
December 31, 2012
(000’s omitted)
#
Amount
  
#
Amount
Consumer mortgage
31
$1,758
  
23
$1,176
Business lending
3
183
  
9
2,709
Consumer indirect
36
327
  
47
281
Consumer direct
22
75
  
13
95
Home equity
14
298
  
12
126
Total
106
$2,641
  
104
$4,387

Allowance for Loan Losses

The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.  The following presents by class the activity in the allowance for loan losses:

 
Consumer
Business
Home
Consumer
Consumer
  
Acquired
  
(000’s omitted)
Mortgage
Lending
Equity
Indirect
Direct
Unallocated
Impaired
Total
Balance at
December 31, 2011
$4,651
$20,574
$1,130
$8,960
$3,290
$3,222
$386
$42,213
Charge-offs
(1,004)
(5,654)
(423)
(5,407)
(1,694)
0
0
(14,182)
Recoveries
59
1,295
23
3,551
821
0
0
5,749
Provision
3,364
1,798
721
2,502
886
(556)
393
9,108
Balance at
December 31, 2012
7,070
18,013
1,451
9,606
3,303
2,666
779
42,888
Charge-offs
(1,012)
(2,788)
(650)
(4,544)
(1,954)
0
(883)
(11,831)
Recoveries
36
692
20
3,488
1,034
0
0
5,270
Provision
2,900
1,590
1,009
1,698
798
(637)
634
7,992
Balance at
December 31, 2013
$8,994
$17,507
$1,830
$10,248
$3,181
$2,029
$530
$44,319

 
 
70
 
 
NOTE E:  PREMISES AND EQUIPMENT

Premises and equipment consist of the following at December 31:

(000's omitted)
2013
2012
Land and land improvements
$15,714
$15,480
Bank premises
95,275
90,899
Equipment and construction in progress
75,523
73,404
  Premises and equipment, gross
186,512
179,783
Accumulated depreciation
(92,876)
(89,845)
  Premises and equipment, net
$93,636
$89,938

NOTE F:  GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS

The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:

   
December 31, 2013
  
December 31, 2012
   
Gross
  
Net
  
Gross
  
Net
   
Carrying
Accumulated
Carrying
  
Carrying
Accumulated
Carrying
(000's omitted)
  
Amount
Amortization
Amount
  
Amount
Amortization
Amount
Amortizing intangible assets:
                
  Core deposit intangibles
  
$40,722
($27,262)
$13,460
  
$38,185
($23,693)
$14,492
  Other intangibles
  
9,441
(7,393)
2,048
  
9,432
(6,493)
2,939
 Total amortizing intangibles
  
$50,163
($34,655)
$15,508
  
$47,617
($30,186)
$17,431

The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:

2014
$4,160
2015
3,296
2016
2,515
2017
1,828
2018
1,359
Thereafter
2,350
Total
$15,508

Shown below are the components of the Company’s goodwill at December 31, 2013 and 2012:

 
Year Ended
  
Year Ended
  
Year Ended
(000’s omitted)
December 31, 2011
Activity
December 31, 2012
Activity
December 31, 2013
Goodwill
$349,874
$24,653
$374,527
$5,288
$379,815
Accumulated impairment
(4,824)
0
(4,824)
0
(4,824)
Goodwill, net
$345,050
$24,653
$369,703
$5,288
$374,991

During the first quarter, the Company performed its annual internal valuation of goodwill and impairment analysis by comparing the fair value of each reporting unit to its carrying value.  Results of the valuations indicate there was no goodwill impairment.

Mortgage Servicing Rights
Under certain circumstances, the Company sells consumer residential mortgage loans in the secondary market and typically retains the right to service the loans sold.  Generally, the Company’s residential mortgage loans sold to third parties are sold on a non-recourse basis.  Upon sale, a mortgage servicing right (“MSR”) is established, which represents the then current fair value of future net cash flows expected to be realized for performing the servicing activities.  The Company stratifies these assets based on predominant risk characteristics, namely expected term of the underlying financial instruments, and uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. MSRs are recorded in other assets at the lower of the initial capitalized amount, net of accumulated amortization or fair value.  Mortgage loans serviced for others are not included in the accompanying consolidated statements of condition.


 
71
 


The following table summarizes the changes in carrying value of MSRs and the associated valuation allowance:

(000’s omitted)
2013
2012
Carrying value before valuation allowance at beginning of period
$1,458
$2,145
Additions
289
0
Amortization
(529)
(687)
Carrying value before valuation allowance at end of period
1,218
1,458
Valuation allowance balance at beginning of period
(430)
(397)
Impairment charges
(111)
(279)
Impairment recoveries
541
246
Valuation allowance balance at end of period
0
(430)
Net carrying value at end of period
$1,218
$1,028
Fair value of MSRs at end of period
$1,495
$1,028
Principal balance of loans sold during the year
$25,179
$3,554
Principal balance of loans serviced for others
$322,030
$367,241
Custodial escrow balances maintained in connection with loans serviced for others
$4,519
$5,011

The following table summarizes the key economic assumptions used to estimate the value of the MSRs at December 31:

 
2013
2012
Weighted-average contractual life (in years)
19.2
18.8
Weighted-average constant prepayment rate (CPR)
18.0%
34.4%
Weighted-average discount rate
4.5%
3.1%

NOTE G:  DEPOSITS

Deposits consist of the following at December 31:

(000's omitted)
2013
2012
Noninterest checking
$1,203,346
$1,110,994
Interest checking
1,289,676
1,151,522
Savings
1,010,196
940,985
Money market
1,466,273
1,409,123
Time
926,553
1,015,415
  Total deposits
$5,896,044
$5,628,039

At December 31, 2013 and 2012, time deposits in denominations of $100,000 and greater totaled $206.4 million and $244.9 million, respectively.  The approximate maturities of these time deposits at December 31, 2013 are as follows:

(000's omitted)
Amount
2014
$142,691
2015
20,938
2016
17,880
2017
14,347
2018
8,213
Thereafter
2,346
  Total
$206,415


 
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NOTE H:  BORROWINGS

Outstanding borrowings at December 31 are as follows:

(000's omitted)
2013
2012
  FHLB overnight advance
$141,900
$0
  FHLB term advances
0
728,034
  Capital lease obligations
13
27
  Subordinated debt held by unconsolidated subsidiary trusts,
    
    net of discount of $430 and $454, respectively
102,097
102,073
        Total borrowings
$244,010
$830,134

FHLB advances are collateralized by a blanket lien on the Company's residential real estate loan portfolio and various investment securities.

The Company undertook a balance sheet restructuring program during the first half of 2013 through the sale of certain longer duration investment securities and retirement of the Company’s existing FHLB term advances.  During the first half of 2013, the Company sold securities and utilized the proceeds to retire $501.6 million of FHLB term borrowings with $63.5 million of associated early extinguishments costs.

During December 2013, in response to the issuance of the “Volker Rule”, the Company sold certain  investment securities and utilized the proceeds to retire the remaining $226.4 million FHLB term advances with $23.8 million of associated early extinguishment costs.

Borrowings at December 31, 2013 have contractual maturity dates as follows:

(000's omitted, except rate)
 Carrying Value
Weighted-average
Rate at
December 31, 2013
January 2, 2014
$141,900
0.40%
February 1, 2015
13
3.25%
July 31, 2031
24,777
3.82%
December 15, 2036
77,320
1.89%
   Total
$244,010
1.22%

The weighted-average interest rate on borrowings for the years ended December 31, 2013 and 2012 was 2.70% and 3.46%, respectively.

The Company sponsors two business trusts, Community Statutory Trust III and Community Capital Trust IV, of which 100% of the common stock is owned by the Company.  The trusts were formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company.  The debentures held by each trust are the sole assets of that trust.  Distributions on the preferred securities issued by each trust are payable quarterly at a rate per annum equal to the interest rate being earned by the trust on the debentures held by that trust and are recorded as interest expense in the consolidated financial statements.  The preferred securities are subject to mandatory redemption, in whole or in part, upon repayment of the debentures.  The Company has entered into agreements which, taken collectively, fully and unconditionally guarantee the preferred securities subject to the terms of each of the guarantees.  The terms of the preferred securities of each trust are as follows:

 
Issuance
Par
Interest
Maturity
Call
Trust
Date
Amount
Rate
Date
Price
III
7/31/2001
$24.5 million
3 month LIBOR plus 3.58% (3.82%)
7/31/2031
Par
IV
12/8/2006
$75 million
3 month LIBOR plus 1.65% (1.89%)
12/15/2036
  Par

On December 8, 2006, the Company established Community Capital Trust IV, which completed the sale of $75 million of trust preferred securities.  At the time of the offering, the Company also entered into an interest rate swap agreement to convert the variable rate trust preferred securities into fixed rate securities for a term of five years at a fixed rate of 6.43%.  The interest rate swap agreement expired December 15, 2011.  Additional interest expense of $3.2 million was recognized in the year ended December 31, 2011 due to the interest rate swap agreement and is included in interest on subordinated debt held by unconsolidated subsidiary trust in the Consolidated Statements of Income.
 
 
 
73
 
 
NOTE I:  INCOME TAXES

The provision for income taxes for the years ended December 31 is as follows:

(000's omitted)
2013
2012
2011
Current:
      
     Federal
$24,202
$18,875
$17,145
     State and other
866
830
375
Deferred:
      
     Federal
5,806
9,051
10,674
     State and other
1,324
2,981
2,191
Provision for income taxes
$32,198
$31,737
$30,385

Components of the net deferred tax liability, included in other liabilities, as of December 31 are as follows:

(000's omitted)
2013
2012
Allowance for loan losses
$17,246
$16,755
Employee benefits
6,329
6,748
Investment securities
4,882
0
Debt extinguishment
1,215
1,517
Other
1,799
2,292
  Deferred tax asset
31,471
27,312
     
Investment securities
0
58,824
Intangible assets, net
22,095
16,648
Loan origination costs
6,883
6,069
Depreciation
4,838
5,138
Mortgage servicing rights
473
399
Pension
21,735
5,481
  Deferred tax liability
56,024
92,559
Net deferred tax liability
($24,553)
($65,247)

The Company has determined that no valuation allowance is necessary as it is more likely than not that the gross deferred tax assets will be realized through carryback of future deductions to taxable income in prior years, future reversals of existing temporary differences, and through future taxable income.

A reconciliation of the differences between the federal statutory income tax rate and the effective tax rate for the years ended December 31 is shown in the following table:
 
 
2013
2012
2011
Federal statutory income tax rate
35.0%
35.0%
35.0%
Increase (reduction) in taxes resulting from:
      
     Tax-exempt interest
(6.3)
(7.1)
(7.1)
     State income taxes, net of federal benefit
1.3
2.3
1.6
     Other
(1.0)
(1.0)
(0.1)
Effective income tax rate
29.0%
29.2%
29.4%

A reconciliation of the unrecognized tax benefits for the years ended December 31 is shown in the following table:
 
(000’s omitted)
2013
2012
2011
Unrecognized tax benefits at beginning of year
$70
$133
$98
Changes related to:
      
     Positions taken during the current year
68
35
35
     Settlements with taxing authorities
0
(98)
0
     Lapse of statutes of limitation
0
0
0
Unrecognized tax benefits at end of year
$138
$70
$133

As of December 31, 2013, the total amount of unrecognized tax benefits that would impact the Company’s effective tax rate if recognized is $0.1 million.  It is reasonably possible that the amount of unrecognized tax benefits could change in the next twelve months as a result of various examinations and expiration of statutes of limitations on prior tax returns.
 
 
 
74
 
 
The Company’s policy is to recognize interest and penalties related to unrecognized tax benefits as part of income taxes in the consolidated statement of income.  The accrued interest related to tax positions was immaterial.

The Company’s federal and state income tax returns are routinely subject to examination from various governmental taxing authorities.  Such examinations may result in challenges to the tax return treatment applied by the Company to specific transactions.  Management believes that the assumptions and judgment used to record tax-related assets or liabilities have been appropriate.  Future examinations by taxing authorities of the Company’s federal or state tax returns could have a material impact on the Company’s results of operations.  The Company’s federal income tax returns for years after 2009 may still be examined by the Internal Revenue Service.  New York State income tax returns for years after 2010 may still be examined by the New York Department of Taxation and Finance.  It is not possible to estimate when those examinations may be completed.

NOTE J:  LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES

The Company’s ability to pay dividends to its shareholders is largely dependent on the Bank’s ability to pay dividends to the Company.  In addition to state law requirements and the capital requirements discussed below, the circumstances under which the Bank may pay dividends are limited by federal statutes, regulations, and policies.  For example, as a national bank, the Bank must obtain the approval of the Office of the Comptroller of the Currency (“OCC”) for payments of dividends if the total of all dividends declared in any calendar year would exceed the total of the Bank’s net profits, as defined by applicable regulations, for that year, combined with its retained net profits for the preceding two years.  Furthermore, the Bank may not pay a dividend in an amount greater than its undivided profits then on hand after deducting its losses and bad debts, as defined by applicable regulations.  At December 31, 2013, the Bank had approximately $114 million in undivided profits legally available for the payment of dividends.

In addition, the Federal Reserve Board and the OCC are authorized to determine under certain circumstances that the payment of dividends would be an unsafe or unsound practice and to prohibit payment of such dividends.  The Federal Reserve Board has indicated that banking organizations should generally pay dividends only out of current operating earnings.

There are also statutory limits on the transfer of funds to the Company by its banking subsidiary, whether in the form of loans or other extensions of credit, investments or assets purchases.  Such transfer by the Bank to the Company generally is limited in amount to 10% of the Bank’s capital and surplus, or 20% in the aggregate.  Furthermore, such loans and extensions of credit are required to be collateralized in specific amounts.


 
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NOTE K:  BENEFIT PLANS

Pension and post-retirement plans
The Company provides a qualified defined benefit pension to qualified employees and retirees, and other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors.  Using a measurement date of December 31, the following table shows the funded status of the Company's plans reconciled with amounts reported in the Company's consolidated statements of condition:
 
   
Pension Benefits
  
Post-retirement Benefits
(000's omitted)
  
2013
2012
  
2013
2012
Change in benefit obligation:
            
  Benefit obligation at the beginning of year
  
$123,739
$112,857
  
$3,051
$3,352
  Service cost
  
3,988
3,392
  
0
0
  Interest cost
  
4,120
4,393
  
88
114
  Participant contributions
    
0
  
608
502
  Deferred actuarial loss (gain)
  
(14,610)
9,352
  
(301)
(72)
  Benefits paid
  
(6,063)
(6,255)
  
(1,106)
(845)
Benefit obligation at end of year
  
111,174
123,739
  
2,340
3,051
Change in plan assets:
            
  Fair value of plan assets at beginning of year
  
143,661
126,309
  
0
0
  Actual return of plan assets
  
25,196
10,992
  
0
0
  Participant contributions
  
0
0
  
608
502
  Employer contributions
  
10,622
12,615
  
498
343
  Benefits paid
  
(6,063)
(6,255)
  
(1,106)
(845)
Fair value of plan assets at end of year
  
173,416
143,661
  
0
0
Over/(Under) funded status at year end
  
$62,242
$19,922
  
($2,340)
($3,051)
             
Amounts recognized in the consolidated balance sheet were:
   Other assets
  
$73,790
$32,135
  
$0
$0
   Other liabilities
  
(11,548)
(12,213)
  
(2,340)
(3,051)
             
Amounts recognized in accumulated other comprehensive income (loss) (“AOCI”) were:
   Net loss (gain)
  
$12,905
$47,321
  
($25)
$288
   Net prior service cost (credit)
  
797
141
  
(2,338)
(2,517)
   Pre-tax AOCI
  
13,702
47,462
  
(2,363)
(2,229)
   Taxes
  
(5,095)
(18,296)
  
901
848
    AOCI at year end
  
$8,607
$29,166
  
($1,462)
($1,381)

The benefit obligation for the defined benefit pension plan was $99.6 million and $111.5 million as of December 31, 2013 and 2012, respectively, and the fair value of plan assets as of December 31, 2013 and 2012 was $173.4 million and $143.7 million, respectively.

The Company has unfunded supplemental pension plans for certain key active and retired executives.  The projected benefit obligation for the unfunded supplemental pension plan for certain key executives was $11.4 million for 2013 and $12.0 million for 2012, respectively.  The Company also has an unfunded stock balance plan for certain of its nonemployee directors.  The projected benefit obligation for the unfunded stock balance plan was $0.1 million for 2013 and $0.2 million for 2012, respectively.  The plan was frozen effective December 31, 2009.

Effective December 31, 2009, the Company terminated its post-retirement medical program for current and future employees.  Remaining plan participants will include only existing retirees as of December 31, 2010.  This change was accounted for as a negative plan amendment and a $3.5 million, net of income taxes, benefit for prior service was recognized in AOCI in 2009.  This negative plan amendment is being amortized over the expected benefit utilization period of remaining plan participants.


 
76
 


Amounts recognized in accumulated other comprehensive income, net of tax, for the year ended December 31, are as follows:
 
   
Pension Benefits
  
Post-retirement Benefits
(000's omitted)
  
2013
2012
  
2013
2012
Prior service cost
  
($46)
$90
  
$109
$503
Net (gain) loss
  
(20,513)
2,368
  
(190)
(51)
     Total
  
($20,559)
$2,458
  
($81)
$452

The estimated costs, net of tax, that will be amortized from accumulated other comprehensive (income) loss into net periodic (income) cost over the next fiscal year are as follows:

   
Pension
Post-retirement
(000's omitted)
  
Benefits
Benefits
Prior service credit
  
$5
($179)
Net loss
  
(308)
1
     Total
  
($303)
($178)

The weighted-average assumptions used to determine the benefit obligations as of December 31 are as follows:

   
Pension Benefits
  
Post-retirement Benefits
   
2013
2012
  
2013
2012
Discount rate
  
5.00%
3.40%
  
4.80%
3.20%
Expected return on plan assets
  
7.00%
7.00%
  
N/A
N/A
Rate of compensation increase
  
3.50%
3.50%
  
N/A
N/A

The net periodic benefit cost as of December 31 is as follows:

   
Pension Benefits
  
Post-retirement Benefits
(000's omitted)
  
2013
2012
2011
  
2013
2012
2011
Service cost
  
$3,988
$3,392
$2,959
  
$0
$0
$0
Interest cost
  
4,120
4,393
4,497
  
88
114
153
Expected return on plan assets
  
(10,149)
(9,196)
(8,097)
  
0
0
0
Amortization of unrecognized net loss
  
4,028
3,687
2,362
  
12
11
8
Amortization of prior service cost
  
75
(147)
(149)
  
(179)
(822)
(1,057)
Net periodic benefit cost
  
$2,062
$2,129
$1,572
  
($79)
($697)
($896)

Prior service costs in which all or almost all of the plan’s participants are fully eligible for benefits under the plan are amortized on a straight-line basis over the expected future working years of all active plan participants.  Unrecognized gains or losses are amortized using the “corridor approach”, which is the minimum amortization required. Under the corridor approach, the net gain or loss in excess of 10 percent of the greater of the projected benefit obligation or the market-related value of the assets is amortized on a straight-line basis over the expected future working years of all active plan participants.

The weighted-average assumptions used to determine the net periodic pension cost for the years ended December 31 are as follows:
 
   
Pension Benefits
  
Post-retirement Benefits
   
2013
2012
2011
  
2013
2012
2011
Discount rate
  
3.40%
4.10%
4.40%
  
3.20%
3.90%
4.50%
Expected return on plan assets
  
7.00%
7.50%
7.50%
  
N/A
N/A
N/A
Rate of compensation increase
  
3.50%
4.00%
4.00%
  
N/A
N/A
N/A


 
77
 


The amount of benefit payments that are expected to be paid over the next ten years are as follows:

 
Pension
Post-retirement
(000's omitted)
Benefits
Benefits
2014
$6,021
$230
2015
7,396
220
2016
7,882
196
2017
8,110
194
2018
8,132
192
2019-2023
48,507
811

The payments reflect future service and are based on various assumptions including retirement age and form of payment (lump-sum versus annuity). Actual results may differ from these estimates.

The assumed discount rate is used to reflect the time value of future benefit obligations.  The discount rate was determined based upon the yield on high-quality fixed income investments expected to be available during the period to maturity of the pension benefits.  This rate is sensitive to changes in interest rates.  A decrease in the discount rate would increase the Company’s obligation and future expense while an increase would have the opposite effect.   The expected long-term rate of return was estimated by taking into consideration asset allocation, reviewing historical returns on the type of assets held and current economic factors.  The appropriateness of the assumptions is reviewed annually.

Plan Assets
The investment objective for the defined benefit pension plan is to achieve an average annual total return over a five-year period equal to the assumed rate of return used in the actuarial calculations.  At a minimum performance level, the portfolio should earn the return obtainable on high quality intermediate-term bonds.  The Company’s perspective regarding portfolio assets combines both preservation of capital and moderate risk-taking.   Asset allocation favors equities, with a target allocation of approximately 60% equity securities and 40% fixed income securities.  In order to diversify the risk within the pension portfolio, the pension committee authorized that up to 15% of the assets may be in alternative investments, which are primarily hedge funds.  No more than 10% of the portfolio can be in stock of the Company.  Due to the volatility in the market, the target allocation is not always desirable and asset allocations will fluctuate between acceptable ranges.  Prohibited transactions include purchase of securities on margin, uncovered call options, and short sale transactions.

The fair values of the Company’s defined benefit pension plan assets at December 31, 2013 by asset category are as follows:

 
 
 
Asset category (000’s omitted)
Quoted Prices
in Active
Markets for
Identical
Assets Level 1
Significant
Observable
Inputs
 Level 2
Significant
Unobservable
Inputs
 Level 3
 
 
 
Total
         
Money Market Accounts
$709
$10,231
$0
$10,940
Equity securities:
        
     U.S. large-cap
50,513
0
0
50,513
     U.S mid/small cap
19,308
0
0
19,308
     CBSI stock
9,913
0
0
9,913
     International
33,485
0
0
33,485
 
113,219
0
0
113,219
         
Fixed income securities:
        
     Government securities
7,676
6,814
0
14,490
     Investment grade bonds
17,400
0
0
17,400
     International bonds
2,712
0
0
2,712
     High yield(b)
14,243
0
0
14,243
 
42,031
6,814
0
48,845
         
Other types of investments:
        
    Alternative investments (c)
0
77
0
77
         
Total (d)
$155,959
$17,122
$0
$173,081


 
78
 


The fair values of the Company’s defined benefit pension plan assets at December 31, 2012 by asset category are as follows:

 
 
 
Asset category (000’s omitted)
Quoted Prices
in Active
Markets for
Identical
Assets Level 1
Significant
Observable
Inputs
 Level 2
Significant
Unobservable
Inputs
 Level 3
 
 
 
Total
         
Money Market Accounts
$410
$19,977
$0
$20,387
Equity securities:
        
     U.S. large-cap
40,547
0
0
40,547
     U.S mid/small cap
10,311
0
0
10,311
     CBSI stock
11,486
0
0
11,486
     International
22,428
0
0
22,428
     Commodities (a)
2,735
0
0
2,735
 
87,507
0
0
87,507
         
Fixed income securities:
        
     Government securities
5,383
8,269
0
13,652
     Investment grade bonds
10,517
0
0
10,517
     High yield(b)
11,516
0
0
11,516
 
27,416
8,269
0
35,685
         
Other types of investments:
        
    Alternative investments (c)
0
82
0
82
         
Total (d)
$115,333
$28,328
$0
$143,661
 
(a)  
This category includes investments in exchange-traded funds reflecting the performance of an underlying
commodity index.
(b)  
This category is exchange-traded funds representing a diversified index of high yield corporate bonds.
(c)  
This category is comprised of non-traditional investment classes including private equity funds and
alternative exchange funds.
(d)  
Excludes dividends and interest receivable totaling $335,000 and $352,000 at December 31, 2013 and
2012, respectively.

The Company makes contributions to its funded qualified pension plan as required by government regulation or as deemed appropriate by management after considering the fair value of plan assets, expected return on such assets, and the value of the accumulated benefit obligation.  The Company made a contribution to its defined benefit pension plan of $10 million during the third quarter of 2013.  The Company funds the payment of benefit obligations for the supplemental pension and post-retirement plans because such plans do not hold assets for investment.

Tupper Lake National Bank (“TLNB”), acquired in 2007, participated in the Pentegra Defined Benefit Plan for Financial Institutions (“Pentegra DB Plan”), a multi-employer tax qualified defined benefit pension plan.  The identification number and plan number of the Pentegra DB Plan are 13-5645888 and 333, respectively. All employees of TLNB who met minimum service requirements participated in the plan.  As of June 30, 2012, the Pentegra DB Plan had total assets of $2.8 billion, actuarial present value of accumulated benefits of $3.0 billion and was at least 80 percent funded.  The assets of the multi-employer plan may be used to satisfy obligations of any of the employers participating in the plan.  As a result, contributions made by the Company may be used to provide benefits to participants of other participating employers.  Contributions for 2013, 2012 and 2011 were $22,000, $53,000 and $131,000, respectively. Contributions made by the Company to the Pentegra DB Plan do not represent more than 5% of contributions made to the Pentegra DB Plan.

The assumed health care cost trend rate used in the post-retirement health plan at December 31, 2013 was 7.50% for the pre-65 participants and 5.80% for the post-65 participants for medical costs and 6.25% for prescription drugs.  The rate to which the cost trend rate is assumed to decline (the ultimate trend rate) and the year that the rate reaches the ultimate trend rate is 5.0% and 2021, respectively.

Assumed health care cost trend rates impact the amounts reported for the health care plan.  A one-percentage-point increase in the trend rate would increase the service and interest cost components by $200 and increase the benefit obligation by $5,000.  A one-percentage-point decrease in the trend rate would decrease the service and interest cost components by $200 and decrease the benefit obligation by $6,000.


 
79
 


401(k) Employee Stock Ownership Plan
The Company has a 401(k) Employee Stock Ownership Plan in which employees can contribute from 1% to 90% of eligible compensation, with the first 3% being eligible for a 100% matching contribution in the form of Company common stock and the next 3% being eligible for a 50% matching contributions in the form of Company common stock.  The expense recognized under this plan for the years ended December 31, 2013, 2012 and 2011 was $3,215,000, $2,956,000, and $2,752,000, respectively.  Effective January 1, 2010 the defined benefit pension plan was modified to a new plan design that includes an interest credit contribution to be made to the 401(k) plan.  The expense recognized for this interest credit contribution for the years ended December 31, 2013, 2012 and 2011 was $650,000, $419,000 and $203,000, respectively.

Other Deferred Compensation Arrangements
In addition to the supplemental pension plans for certain executives, the Company has nonqualified deferred compensation arrangements for several former directors, officers and key employees.  All benefits provided under these plans are unfunded and payments to plan participants are made by the Company.  At December 31, 2013 and 2012, the Company has recorded a liability of $4,238,000 and $4,729,000, respectively.  The (income)/expense recognized under these plans for the years ended December 31, 2013, 2012, and 2011 was ($52,000), $439,000, and $584,000, respectively.

Deferred Compensation Plan for Directors
Directors may defer all or a portion of their director fees under the Deferred Compensation Plan for Directors.  Under this plan, there is a separate account for each participating director which is credited with the amount of shares that could have been purchased with the director’s fees as well as any dividends on such shares.  On the distribution date, the director will receive common stock equal to the accumulated share balance in his account.  As of December 31, 2013 and 2012, there were 153,396 and 146,298 shares credited to the participants’ accounts, for which a liability of $3,424,000 and $3,117,000 was accrued, respectively.  The expense recognized under the plan for the years ended December 31, 2013, 2012 and 2011, was $162,000, $148,000, and $125,000, respectively.

NOTE L:  STOCK-BASED COMPENSATION PLANS

The Company has a long-term incentive program for directors, officers and employees.  Under this program, the Company initially authorized 4,000,000 shares of Company common stock for the grant of incentive stock options, nonqualified stock options, restricted stock awards, and retroactive stock appreciation rights.  The long-term incentive program was amended effective May 25, 2011 to authorize an additional 900,000 shares of Company common stock for the grant of incentive stock options, nonqualified stock options, restricted stock awards, and retroactive stock appreciation rights.  As of December 31, 2013, the Company has authorization to grant up to 1,008,234 additional shares of Company common stock for these instruments.  The nonqualified (offset) stock options in its Director’s Stock Balance Plan vest and become exercisable immediately and expire one year after the date the director retires or two years in the event of death.  The remaining options have a ten-year term, and vest and become exercisable on a grant-by-grant basis, ranging from immediate vesting to ratably over a five-year period.
 
Activity in this long-term incentive program is as follows:
 
 
Stock Options
   
Weighted-average
   
Exercise Price of
 
Outstanding
Shares
Outstanding at December 31, 2011
2,947,215
$21.43
Granted
356,765
28.78
Exercised
(526,141)
18.91
Forfeited
(17,116)
21.47
Outstanding at December 31, 2012
2,760,723
22.86
Granted
369,589
29.79
Exercised
(840,556)
22.70
Forfeited
(14,865)
24.45
Outstanding at December 31, 2013
2,274,891
24.03
Exercisable at December 31, 2013
1,478,489
$22.40
 


 
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The following table summarizes the information about stock options outstanding under the Company’s stock option plan at December 31, 2013:
 
 
Options outstanding
  
Options exercisable
 
Range of Exercise Price
 
Shares
Weighted
-average
Exercise
Price
Weighted-
average
Remaining
Life (years)
  
 
Shares
Weighted
-average
Exercise
Price
    $0.00 – $18.00
176,801  
$17.59  
5.14  
 
176,801  
$17.59  
$18.001 – $23.00
742,163  
19.59  
4.74  
 
588,118  
19.75  
$23.001 – $28.00
667,072  
25.22  
4.14  
 
546,370  
24.75  
$28.001 – $29.00
327,464  
28.78  
8.22  
 
107,915  
28.78  
$29.001 – $30.00
361,391  
29.79  
9.21  
 
59,285  
29.79  
TOTAL
2,274,891  
$24.03  
5.81  
 
1,478,489  
$22.40  

The weighted-average remaining contractual term of outstanding and exercisable stock options at December 31, 2013 is 5.8 years and 4.7 years, respectively.  The aggregate intrinsic value of outstanding and exercisable stock options at December 31, 2013 is $35.6 million and $25.5 million, respectively.

The Company recognized stock-based compensation expense related to incentive and non-qualified stock options of $2.0 million, $1.8 million and $1.8 million for the years ended December 31, 2013, 2012 and 2011, respectively.  A related income tax benefit was recognized of $1.1 million, $0.8 million and $0.8 million for the 2013, 2012 and 2011 years, respectively.  Compensation expense related to restricted stock vesting recognized in the income statement for 2013, 2012 and 2011 was approximately $2.0 million, $1.8 million and $2.0 million, respectively.

Management estimated the fair value of options granted using the Black-Scholes option-pricing model.  This model was originally developed to estimate the fair value of exchange-traded equity options, which (unlike employee stock options) have no vesting period or transferability restrictions.  As a result, the Black-Scholes model is not necessarily a precise indicator of the value of an option, but it is commonly used for this purpose.  The Black-Scholes model requires several assumptions, which management developed based on historical trends and current market observations.

 
2013
2012
2011
Weighted-average Fair Value of Options Granted
$6.24
$6.40
$6.69
Assumptions:
      
     Weighted-average expected life (in years)
7.23
7.40
7.72
     Future dividend yield
3.90%
3.90%
3.90%
     Share price volatility
31.21%
31.79%
32.12%
     Weighted-average risk-free interest rate
1.91%
2.34%
3.34%

Unrecognized stock-based compensation expense related to non-vested stock options totaled $3.5 million at December 31, 2013, which will be recognized as expense over the next five years.  The weighted-average period over which this unrecognized expense would be recognized is 2.9 years.  The total fair value of stock options vested during 2013, 2012, and 2011 were $2.0 million, $1.7 million and $1.8 million, respectively.

During the 12 months ended December 31, 2013 and 2012, proceeds from stock option exercises totaled $16.0 million and $9.6 million, respectively, and the related tax benefits from exercise were approximately $1.6 million and $1.1 million, respectively.   During the twelve months ended December 31, 2013 and 2012, 680,705 and 479,353 shares, respectively, were issued in connection with stock option exercises.  The total intrinsic value of options exercised during 2013, 2012 and 2011 were $7.9 million, $4.9 million and $2.3 million, respectively.


 
81
 


A summary of the status of the Company’s unvested restricted stock awards as of December 31, 2013, and changes during the twelve months ended December 31, 2013 and 2012, is presented below:

 
Restricted
Shares
Weighted-average
grant date fair value
Unvested at December 31, 2011
269,641 
$20.12
Awards
64,705 
28.77
Forfeitures
(2,743) 
23.19
Vestings
(139,520) 
18.76
Unvested at December 31, 2012
192,083 
23.98
Awards
142,353 
22.13
Forfeitures
(2,896) 
25.34
Vestings
(70,575) 
22.28
Unvested at December 31, 2013
260,965 
$23.42

NOTE M:  EARNINGS PER SHARE

Basic earnings per share are computed based on the weighted-average of the common shares outstanding for the period.  Diluted earnings per share are based on the weighted-average of the shares outstanding adjusted for the dilutive effect of restricted stock and the assumed exercise of stock options during the year.  The dilutive effect of options is calculated using the treasury stock method of accounting.  The treasury stock method determines the number of common shares that would be outstanding if all the dilutive options (those where the average market price is greater than the exercise price) were exercised and the proceeds were used to repurchase common shares in the open market at the average market price for the applicable time period.  There were approximately 0.3 million, 0.5 million and 0.6 million weighted-average anti-dilutive stock options outstanding at December 31, 2013, 2012 and 2011, respectively, which were not included in the computation below.

The following is a reconciliation of basic to diluted earnings per share for the years ended December 31, 2013, 2012 and 2011.

(000's omitted, except per share data)
2013
2012
2011
Net income
$78,829
$77,068
$73,142
Income attributable to unvested stock-based compensation awards
(433)
(499)
(553)
Income available to common shareholders
$78,396
$76,569
$72,589
       
Weighted-average common shares outstanding - basic
40,000
39,192
35,767
       
Basic earnings per share
$1.96
$1.95
$2.03
       
Net income
$78,829
$77,068
$73,142
Income attributable to unvested stock-based compensation awards
(433)
(499)
(553)
Income available to common shareholders
$78,396
$76,569
$72,589
       
Weighted-average common shares outstanding
40,000
39,192
35,767
Assumed exercise of stock options
504
479
415
Weighted-average common shares outstanding – diluted
40,504
39,671
36,182
       
Diluted earnings per share
$1.94
$1.93
$2.01
Cash dividends declared per share
$1.10
$1.06
$1.00

In late January 2012, the Company completed a public common stock offering and raised $57.5 million through the issuance of 2.13 million shares of the Company’s common stock.  The net proceeds of the offering were approximately $54.9 million.  The Company used the capital raised in this offering to support the HSBC and First Niagara branch acquisitions.  In April 2011, the Company issued 3.35 million additional shares of the Company’s common stock in conjunction with the Wilber acquisition.


 
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Stock Repurchase Program
On July 22, 2009, the Company announced an authorization to repurchase up to 1,000,000 of its outstanding shares in open market transactions or privately negotiated transactions in accordance with securities laws and regulations through December 31, 2011.  At its December 2011 meeting, the Board approved extending the stock repurchase program authorizing the repurchase, at the discretion of senior management, of up to 1,500,000 shares through December 31, 2012.  At its December 2012 meeting, the Board approved a new repurchase program authorizing the repurchase of up to 2,000,000 shares of the Company’s common stock, in accordance with securities laws and regulations, through December 31, 2013.   There were no treasury stock purchases in 2013, 2012 or 2011.  At its December 2013 meeting, the Board approved a new repurchase program authorizing the repurchase of up to 2,000,000 shares of the Company’s common stock, in accordance with securities laws and regulations, through December 31, 2014.  Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities.  The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company’s discretion.

NOTE N:  COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments consist primarily of commitments to extend credit and standby letters of credit.  Commitments to extend credit are agreements to lend to customers, generally having fixed expiration dates or other termination clauses that may require payment of a fee.  These commitments consist principally of unused commercial and consumer credit lines.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of an underlying contract with a third party.  The credit risks associated with commitments to extend credit and standby letters of credit are essentially the same as that involved with extending loans to customers and are subject to the Company’s normal credit policies.  Collateral may be obtained based on management’s assessment of the customer’s creditworthiness.  The fair value of the standby letters of credit is immaterial for disclosure.

The contract amount of commitments and contingencies is as follows at December 31:

 (000's omitted)
2013
2012
Commitments to extend credit
$704,904
$750,178
Standby letters of credit
24,449
24,168
     Total
$729,353
$774,346

The Company has unused lines of credit of $65.0 million at December 31, 2013.  The Company has unused borrowing capacity of approximately $1.2 billion through collateralized transactions with the FHLB and $10.1 million through collateralized transactions with the Federal Reserve Bank.

The Company is required to maintain a reserve balance, as established by the Federal Reserve Bank of New York.  The required average total reserve for the 14-day maintenance period of December 26, 2013 through January 8, 2014 was $52.8 million, none of which was required to be on deposit with the Federal Reserve Bank of New York as the entire balance was represented by cash on hand.

The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of December 31, 2013, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company’s consolidated financial position. On at least a quarterly basis the Company assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. Although not considered probable, the range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, is between $0 and $5million. Although the Company does not believe that the outcome of pending litigation will be material to the Company’s consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.


 
83
 


The Bank was named a defendant in an action commenced October 30, 2013 which is pending in the United States District Court for the Middle District of Pennsylvania.  The plaintiff alleges that the notices provided to her in connection with the repossession of her automobile failed to comply with certain requirements of Pennsylvania’s Uniform Commercial Code (UCC).  Plaintiff seeks to pursue the action as a class action on behalf of herself and other similarly situated plaintiffs who had their automobiles repossessed and seeks to recover statutory damages under the UCC. The Bank has filed a motion to dismiss the action on the basis of mootness and contests the allegation that the repossession notices were deficient. The Bank also maintains that the case should not proceed as a class action and will oppose class certification. At this early stage in the litigation it is difficult to estimate when the action will be resolved. As set forth in the preceding paragraph, all current litigation matters, including this action, are within a range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, and are included in the range of reasonably possible losses set forth above. 

NOTE O:  LEASES

The Company leases buildings, office space, and equipment under agreements that expire in various years.  Rental expense included in operating expenses amounted to $5.1 million, $4.9 million and $4.2 million in 2013, 2012 and 2011, respectively.  The future minimum rental commitments as of December 31, 2013 for all non-cancelable operating leases are as follows:

2014
$5,342
2015
4,662
2016
4,442
2017
3,780
2018
3,161
Thereafter
5,138
  Total
$26,525

NOTE P:  REGULATORY MATTERS

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices.  The Company’s and the Bank's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company and Bank to maintain minimum total core capital to risk-weighted assets of 8%, and Tier I capital to risk-weighted assets and Tier I capital to average assets of 4%.  Management believes, as of December 31, 2013, that the Company and Bank meet all capital adequacy requirements to which they are                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   subject.

As of December 31, 2013, the most recent notification from the Office of the Comptroller of the Currency (“OCC”) categorized the Company and Bank as “well capitalized” under the regulatory framework for prompt corrective action.  To be categorized as “well capitalized,” the Company and Bank must maintain minimum total core capital to risk-weighted assets of 10%, Tier I capital to risk-weighted assets of 6% and Tier I capital to average assets of 5%.  There are no conditions or events since that notification that management believes have changed the institution’s category.  Except in connection with the regulatory approval of the Citizens branch acquisition in November 2008 by the OCC, there were no significant capital requirements imposed or agreed to during the regulatory approval process of any of our acquisitions.  In connection with the Citizens acquisition, the Bank agreed to an approval condition to maintain capital at the “well-capitalized” level.


 
84
 


The capital ratios and amounts of the Company and the Bank as of December 31 are presented below:

   
2013
  
2012
(000's omitted)
  
Company
Bank
  
Company
Bank
Tier 1 capital to average assets
            
  Amount
  
$643,286
$547,464
  
$588,220
$530,753
  Ratio
  
9.29%
7.93%
  
8.40%
7.60%
  Minimum required amount
  
$276,918
$276,226
  
$280,151
$279,524
             
Tier 1 capital to risk-weighted assets
            
  Amount
  
$643,286
$547,464
  
$588,220
$530,753
  Ratio
  
16.42%
14.03%
  
15.09%
13.66%
  Minimum required amount
  
$156,661
$156,083
  
$155,904
$155,392
             
Total core capital to risk-weighted assets
            
  Amount
  
$687,946
$592,124
  
$631,409
$573,942
  Ratio
  
17.57%
15.17%
  
16.20%
14.77%
  Minimum required amount
  
$313,322
$312,166
  
$311,808
$310,784

NOTE Q:  PARENT COMPANY STATEMENTS

The condensed balance sheets of the parent company at December 31 are as follows:

(000's omitted) 
2013
2012
Assets:
    
  Cash and cash equivalents
$83,783
$43,800
  Investment securities
3,601
3,587
  Investment in and advances to subsidiaries
895,211
961,718
  Other assets
8,847
8,613
     Total assets
$991,442
$1,017,718
     
Liabilities and shareholders' equity:
    
  Accrued interest and other liabilities
$13,533
$12,867
  Borrowings
102,097
102,073
  Shareholders' equity
875,812
902,778
     Total liabilities and shareholders' equity
$991,442
$1,017,718

The condensed statements of income of the parent company for the years ended December 31 is as follows:

(000's omitted)
2013
2012
2011
Revenues:
      
  Dividends from subsidiaries
$66,000
$0
$52,251
  Interest and dividends on investments
91
98
87
  Other income
9
198
0
        Total revenues
66,100
296
52,338
Expenses:
      
  Interest on borrowings
2,520
2,716
5,815
  Other expenses
61
155
273
        Total expenses
2,581
2,871
6,088
       
(Loss) Income before tax benefit and equity in undistributed net income of subsidiaries
63,519
(2,575)
46,250
Income tax benefit
862
1,274
2,237
  (Loss) Income before equity in undistributed net income of subsidiaries
64,381
(1,301)
48,487
Equity in undistributed net income of subsidiaries
14,448
78,369
24,655
Net income
$78,829
$77,068
$73,142
Comprehensive (loss)/income
($2,051)
$102,237
$111,647
 

 
 
85
 
 
The statements of cash flows of the parent company for the years ended December 31 is as follows:

(000's omitted)
2013
2012
2011
Operating activities:
      
  Net income
$78,829
$77,068
$73,142
  Adjustments to reconcile net income to net cash provided by operating activities
      
    (Gain)/loss on sale of investments
(9)
0
0
    Equity in undistributed net income of subsidiaries
(14,448)
(78,369)
(24,655)
    Net change in other assets and other liabilities
(221)
(746)
(504)
       Net cash provided by (used in) operating activities
64,151
(2,047)
47,983
Investing activities:
      
  Purchase of investment securities
0
(3)
0
  Proceeds from sale of investment securities
114
30
2
  Repayments from subsidiaries, net
0
0
51
  Capital contributions to subsidiaries
0
(20,081)
(102,462)
       Net cash provided by (used in) investing activities
114
(20,054)
(102,409)
Financing activities:
      
  Issuance of common stock
19,200
67,813
91,714
  Cash dividends paid
(43,482)
(40,765)
(34,404)
       Net cash provided by (used in) financing activities
(24,282)
27,048
57,310
Change in cash and cash equivalents
39,983
4,947
2,884
Cash and cash equivalents at beginning of year
43,800
38,853
35,969
Cash and cash equivalents at end of year
$83,783
$43,800
$38,853
       
Supplemental disclosures of cash flow information:
      
  Cash paid for interest
$2,521
$2,738
$5,959
Supplemental disclosures of noncash financing activities
      
  Dividends declared and unpaid
$11,332
$10,699
$9,609

NOTE R:  FAIR VALUE

Accounting standards allow entities an irrevocable option to measure certain financial assets and financial liabilities at fair value.  Unrealized gains and losses on items for which the fair value option has been elected are reported in earnings.  The Company has elected to value mortgage loans held for sale at fair value in order to more closely match the gains and losses associated with loans held for sale with the gains and losses on forward sales contracts.  Accordingly, the impact on the valuation will be recognized in the Company’s consolidated statement of income.  All mortgage loans held for sale are current and in performing status.

Accounting standards establish a framework for measuring fair value and require certain disclosures about such fair value instruments.  It defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (i.e. exit price).  Inputs used to measure fair value are classified into the following hierarchy:

·  
Level 1 – Quoted prices in active markets for identical assets or liabilities.
·  
Level 2 – Quoted prices in active markets for similar assets or liabilities, or quoted prices for identical or similar assets or liabilities in markets that are not active,
                 or inputs other than quoted prices that are observable for the asset or liability.
·  
Level 3 – Significant valuation assumptions not readily observable in a market.


 
86
 


A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.  The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis.  There were no transfers between any of the levels for the periods presented.

 
December 31, 2013
(000's omitted)
 Level 1
  Level 2
  Level 3
 Total Fair Value
Available-for-sale investment securities:
        
U.S. Treasury and agency securities
$1,182,261  
$29,886
$0
$1,212,147
Obligations of state and political subdivisions
0  
668,982
0
668,982
Government agency mortgage-backed securities
0  
254,978
0
254,978
Corporate debt securities
0  
27,587
0
27,587
Government agency collateralized mortgage obligations
0  
22,048
0
22,048
Marketable equity securities
421  
0
0
421
   Total available-for-sale investment securities
1,182,682  
1,003,481
0
2,186,163
Mortgage loans held for sale
0  
728
0
728
Commitments to originate real estate loans for sale
0  
0
44
44
Forward sales commitments
0  
27
0
27
Total
$1,182,682  
$1,004,236
$44
$2,186,962
 
 
December 31, 2012
(000's omitted)
 Level 1
  Level 2
  Level 3
 Total Fair Value
Available-for-sale investment securities:
        
U.S. Treasury and agency securities
$891,803
$187,454
$0
$1,079,257
Obligations of state and political subdivisions
0
662,892
0
662,892
Government agency mortgage-backed securities
0
269,951
0
269,951
Pooled trust preferred securities
0
0
49,600
49,600
Government agency collateralized mortgage obligations
0
33,935
0
33,935
Corporate debt securities
0
25,357
0
25,357
Marketable equity securities
402
0
0
402
Total available-for-sale investment securities/Total
$892,205
$1,179,589
$49,600
$2,121,394

The valuation techniques used to measure fair value for the items in the table above are as follows:
·  
Available for sale investment securities – The fair value of available-for-sale investment securities is based upon quoted prices, if available.  If quoted prices are not available, fair values are measured using quoted market prices for similar securities or model-based valuation techniques.  Level 1 securities include U.S. Treasury obligations and marketable equity securities that are traded by dealers or brokers in active over-the-counter markets.  Level 2 securities include U.S. agency securities, mortgage-backed securities issued by government-sponsored entities, municipal securities and corporate debt securities that are valued by reference to prices for similar securities or through model-based techniques in which all significant inputs, such as reported trades, trade execution data, LIBOR swap yield curve, market prepayment speeds, credit information, market spreads, and security’s terms and conditions, are observable.  Securities classified as Level 3 include pooled trust preferred securities in less liquid markets.  The value of these instruments is determined using multiple pricing models or similar techniques from third party sources as well as significant unobservable inputs such as judgment or estimation by the Company in the weighting of the models.  See Note C for further discussion of the fair value of investment securities.
·  
Mortgage loans held for sale – Mortgage loans held for sale are carried at fair value, which is determined using quoted secondary-market prices of loans with similar characteristics and, as such, have been classified as a Level 2 valuation.  The unpaid principal value of mortgage loans held for sale at December 31, 2013 is approximately $723,000.  The unrealized gain of $5,000 was recognized in other banking services in the Consolidate Statement of Income for the year ended December 31, 2013.
·  
Forward sales commitments – The Company enters into forward sales commitments to sell certain residential real estate loans.  Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.  The fair value of these forward sales commitments is primarily measured by obtaining pricing from certain government-sponsored entities and reflects the underlying price the entity would pay the Company for an immediate sale on these mortgages.  As such, these instruments are classified as Level 2 in the fair value hierarchy.
 
 
 
87
 
 
·  
Commitments to originate real estate loans for sale – The Company enters into various commitments to originate residential real estate loans for sale.  Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet.  The estimated fair value of these commitments is determined using quoted secondary market prices obtained from certain government-sponsored entities.  Additionally, accounting guidance requires the expected net future cash flows related to the associated servicing of the loan to be included in the fair value measurement of the derivative.  The expected net future cash flows are based on a valuation model that calculates the present value of estimated net servicing income.  The valuation model incorporates assumptions that market participants would use in estimating future net servicing income.  Such assumptions include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds.  The determination of expected net cash flows is considered a significant unobservable input contributing to the Level 3 classification of commitments to originate real estate loans for sale.

 The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:
 
   Year Ended December 31,
 
2013
  
2012
(000's omitted)
Pooled trust preferred
securities
Commitments
to originate
real estate
loans for sale
 
 
 
Total
  
Pooled trust preferred securities
Beginning balance
$49,600
$0
$49,600 
 
$43,846
Total gains/(losses) included in earnings (1)(2)
(15,201)
(249)
(15,450) 
 
220
Total gains/(losses) included in other comprehensive income(3)
12,379
0
12,379   
  
11,890
Principal reductions
(5,944)
0
(5,944)
  
(6,356)
Sales
(40,834)
0
(40,834)
  
0
Commitments to originate real estate loans held for sale, net
0
293
293   
 
0
Ending balance
$0
$44
$44   
 
$49,600
 
(1) Amounts included in earnings associated with the pooled trust preferred securities relate to accretion of related discount,
        which are reported in interest and dividends on taxable investments, and the loss realized upon the sale of the securities,
        which is included in gain on sales of investment securities, net.
(2) Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a
        component of other banking services in the Consolidated Statement of Income.
(3) Amounts included in other comprehensive income associated with the pooled trust preferred securities relate to changes in
        unrealized loss and are reported as a component of unrealized gains/(losses) on available-for sale securities in the Statement
        of Comprehensive Income.
 
Assets and liabilities measured on a non-recurring basis:
 
 
December 31, 2013
  
December 31, 2012
(000's omitted)
Level 1
Level 2
Level 3
Total Fair Value
  
Level 1
Level 2
Level 3
Total Fair Value
Impaired loans
$0
$600
$0
$600
  
$0
$0
$1,186
$1,186
Other real estate owned
0
0
5,060
5,060
  
0
0
4,788
4,788
Mortgage servicing rights
0
0
0
0
  
0
0
1,028
1,028
   Total
$0
$600
$5,060
$5,660
  
$0
$0
$7,002
$7,002

Loans are generally not recorded at fair value on a recurring basis.  Periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans.  Nonrecurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for credit losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan and, as a result, the carrying value of the loan less the calculated valuation amount does not necessarily represent the fair value of the loan. Real estate collateral is typically valued using independent appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace, adjusted for non-observable inputs.  Thus, the resulting nonrecurring fair value measurements are generally classified as Level 3. Estimates of fair value used for other collateral supporting commercial loans generally are based on assumptions not observable in the marketplace and, therefore, such valuations classify as Level 3.  At December 31, 2013, impaired loans recorded at fair value consisted of one loan that was valued using a purchase offer that did not require an adjustment for estimated costs.  As such, no unobservable inputs were utilized and it was classified as a Level 2 valuation.
 

 
 
88
 

Other real estate owned is valued at the time the loan is foreclosed upon and the asset is transferred to other real estate owned. The value is based primarily on third party appraisals, less estimated costs to sell. The appraisals are sometimes further discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and client’s business. Such discounts are significant, ranging from 11% to 54% at December 31, 2013 and result in a Level 3 classification of the inputs for determining fair value. Other real estate owned is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. The Company recovers the carrying value of other real estate owned through the sale of the property. The ability to affect future sales prices is subject to market conditions and factors beyond our control and may impact the estimated fair value of a property.

Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the estimated period of net servicing income.  The fair value of mortgage servicing rights is based on a valuation model incorporating inputs that market participants would use in estimating future net servicing income.  Such inputs include estimates of the cost of servicing loans, appropriate discount rate, and prepayment speeds and are considered to be unobservable and contribute to the Level 3 classification of mortgage servicing rights.    In accordance with GAAP, the Company must record impairment charges, on a nonrecurring basis, when the carrying value of a stratum exceeds its estimated fair value.  Impairment is recognized through a valuation allowance.  There is no valuation allowance at December 31, 2013 as the fair value of approximately $1,495,000 exceeded the carrying value of approximately $1,218,000.

The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.  If so, the implied fair value of the reporting unit’s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value of the goodwill over fair value of the goodwill.  In such situations, the Company performs a discounted cash flow modeling technique that requires management to make estimates regarding the amount and timing of expected future cash flows of the assets and liabilities of the reporting unit that enable the Company to calculate the implied fair value of the goodwill.  It also requires use of a discount rate that reflects the current return expectation of the market in relation to present risk-free interest rates, expected equity market premiums, peer volatility indicators and company-specific risk indicators.  The Company did not recognize an impairment charge during 2013 or 2012.

The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of December 31, 2013 are as follows:

(000's omitted)
Fair Value
Valuation Technique
Significant Unobservable Inputs
Input Range
(Weighted Average)
         
Other real estate owned
5,060 
Fair value of collateral
Estimated cost of disposal/market adjustment
11.0% - 54.4% (28.1%)   
         
Commitments to originate
  real estate loans for sale
44   
Discounted cash flow
Embedded servicing value
1%   

The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of December 31, 2012 are as follows:

(000's omitted)
Fair Value
Valuation Technique
Significant Unobservable Inputs
Significant Unobservable Input Range
(Weighted Average)
         
Pooled trust preferred securities
$49,600   
Consensus pricing
Weighting of offered quotes   
65.3% - 85.1% (78.4%)   
         
Impaired loans
1,186   
Fair value of collateral
Estimated cost of disposal/market adjustment   
25.0% - 50.0% (27.5%)   
         
Other real estate owned
4,788 
Fair value of collateral
Estimated cost of disposal/market adjustment   
11.0% - 60.2% (19.9%)   
         
Mortgage servicing rights
1,028   
Discounted cash flow
Weighted average constant prepayment rate   
1.1% - 39.6% (34.4%)   
     
Discount rate   
2.5% - 3.3% (3.1%) 
     
Adequate compensation   
$7/loan 
 

The Company determines fair values based on quoted market values, where available, estimates of present values, or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including, but not limited to, the discount rate and estimates of future cash flows.  In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, may not be realized in immediate settlement of the instrument.  Certain financial instruments and all nonfinancial instruments are excluded from fair value disclosure requirements.  Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.
 
 
 
89
 

The carrying amounts and estimated fair values of the Company’s other financial instruments that are not accounted for at fair value at December 31, 2013 and 2012 are as follows:
 
   
December 31, 2013
  
December 31, 2012
   
Carrying
Fair
  
Carrying
Fair
(000's omitted)
  
Value
Value
  
Value
Value
Financial assets:
            
   Net loans
 
$4,064,764
$4,044,449
  
$3,822,688
$3,881,354
Financial liabilities:
            
   Deposits
  
5,896,044
5,898,138
  
5,628,039
5,635,320
   Borrowings
  
141,913
141,913
  
728,061
820,377
   Subordinated debt held by unconsolidated subsidiary trusts
  
102,097
109,284
  
102,073
97,899

The following is a further description of the principal valuation methods used by the Company to estimate the fair values of its financial instruments.
 
Loans have been classified as a Level 3 valuation.  Fair values for variable rate loans that reprice frequently are based on carrying values.  Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.

Deposits have been classified as a Level 2 valuation.  The fair value of demand deposits, interest-bearing checking deposits, savings accounts and money market deposits is the amount payable on demand at the reporting date.  The fair value of time deposit obligations are based on current market rates for similar products.

Borrowings have been classified as a Level 2 valuation.  Fair values for long-term borrowings are estimated using discounted cash flows and interest rates currently being offered on similar borrowings.

Subordinated debt held by unconsolidated subsidiary trusts have been classified as a Level 2 valuation.   The fair value of subordinated debt held by unconsolidated subsidiary trusts are estimated using discounted cash flows and interest rates currently being offered on similar securities.

Other financial assets and liabilities – Cash and cash equivalents have been classified as a Level 1 valuation, while accrued interest receivable and accrued interest payable have been classified as a Level 2 valuation.  The fair values of each approximate the respective carrying values because the instruments are payable on demand or have short-term maturities and present relatively low credit risk and interest rate risk.


 
90
 


NOTE S:  DERIVATIVE INSTRUMENTS

The Company is party to derivative financial instruments in the normal course of its business to meet the financing needs of its customers and to manage its own exposure to fluctuations in interest rates.  These financial instruments have been limited to commitments to originate real estate loans held for sale and forward sales commitments.  The Company does not hold nor issue derivative financial instruments for trading or other speculative purposes.

The Company enters into forward sales commitments for the future delivery of residential mortgage loans, and interest rate lock commitments to fund loans at a specified interest rate.  The forward sales commitments are utilized to reduce interest rate risk associated with interest rate lock commitments and loans held for sale.  Changes in the estimated fair value of the forward sales commitments and interest rate lock commitments subsequent to inception are based on changes in the fair value of the underlying loan resulting from the fulfillment of the commitment and changes in the probability that the loan will fund within the terms of the commitment, which is affected primarily by changes in interest rates and the passage of time.  At inception and during the life of the interest rate lock commitment, the Company includes the expected net future cash flows related to the associated servicing of the loan as part of the fair value measurement of the interest rate lock commitments.  These derivatives are recorded at fair value.

The following table presents the Company’s derivative financial instruments, their estimated fair values, and balance sheet location as of December 31, 2013:

(000's omitted)
  
Location
Notional
Fair Value
Derivatives not designated as hedging instruments:
        
   Forward sales commitments
  
Other liabilities
$2,508
$27
   Commitments to originate real estate loans for sale
  
Other assets
2,946
44
Total derivatives
      
$71

The following table presents the Company’s derivative financial instruments and the location of the net gain or loss recognized in the statement of income for the year ended December 31, 2013:

(000's omitted)
Location
  
Gain Recognized in the Statement of
Income for the Year Ending
December 31, 2013
Forward sales commitments
Mortgage banking and other services
  
$27
Commitments to originate real estate loans for sale
Mortgage banking and other services
  
44
Total
    
$71


 
91
 


NOTE T:  SEGMENT INFORMATION

Operating segments are components of an enterprise, which are evaluated regularly by the “chief operating decision maker” in deciding how to allocate resources and assess performance.  The Company’s chief operating decision maker is the President and Chief Executive Officer of the Company. The Company has identified Banking, Employee Benefit Services and Wealth Management as its reportable operating business segments.  CBNA operates the banking segment that provides full-service banking to consumers, businesses and governmental units in northern, central and western New York as well as northern Pennsylvania.  Employee benefit services, which includes BPAS, Harbridge and HB&T provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA/HRA and health and welfare consulting services.  Wealth management services activities include trust services provided by the personal trust unit within the Bank, investment and insurance products and services provided by CISI and CBNA Insurance and asset management provided by Nottingham.  The accounting policies used in the disclosure of business segments are the same as those described in the summary of significant accounting policies (See Note A).

Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:
 
 
(000's omitted) 
Banking
Employee
Benefit Services
Wealth Management
Eliminations
Consolidated
Total
2013
          
Net interest income
$237,915
$101
$78
$0
$238,094
Provision for loan losses
7,992
0
0
0
7,992
Noninterest income
48,030
39,534
16,265
(1,649)
102,180
Amortization of intangible assets
3,569
662
238
0
4,469
Other operating expenses
175,139
31,049
12,247
(1,649)
216,786
Income before income taxes
$99,245
$7,924
$3,858
$0
$111,027
Assets
$7,070,866
$27,970
$13,259
($16,231)
$7,095,864
Goodwill
$364,495
$7,836
$2,660
$0
$374,991
           
2012
          
Net interest income
$230,251
$104
$69
$0
$230,424
Provision for loan losses
9,108
0
0
0
9,108
Noninterest income
50,422
36,781
13,549
(1,506)
99,246
Amortization of intangible assets
3,548
779
280
0
4,607
Other operating expenses
167,332
30,617
10,707
(1,506)
207,150
Income before income taxes
$100,685
$5,489
$2,631
$0
$108,805
Assets
$7,472,628
$30,405
$12,101
($18,334)
$7,496,800
Goodwill
$359,207
$7,836
$2,660
$0
$369,703
           
2011
          
Net interest income
$209,302
$60
$51
$0
$209,413
Provision for loan losses
4,736
0
0
0
4,736
Noninterest income
46,921
32,395
11,228
(1,322)
89,222
Amortization of intangible assets
3,393
752
236
0
4,381
Other operating expenses
152,468
25,622
9,223
(1,322)
185,991
Income before income taxes
$95,626
$6,081
$1,820
$0
$103,527
Assets
$6,461,694
$27,446
$11,111
($11,976)
$6,488,275
Goodwill
$334,554
$7,836
$2,660
$0
$345,050


 
92
 


Report on Internal Control Over Financial Reporting

Our management is responsible for establishing and maintaining adequate internal control over financial reporting, as such term is defined in Exchange Act Rule 13a – 15(f).  Under the supervision and with the participation of our management, including our principal executive officer and principal financial officer, we conducted an evaluation of the effectiveness of our internal control over financial reporting based on the framework in Internal Control – Integrated Framework(1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission.  Based on our evaluation management concluded that our internal control over financial reporting was effective as of December 31, 2013.

The consolidated financial statements of the Company have been audited by PricewaterhouseCoopers LLP, an independent registered public accounting firm that was engaged to express an opinion as to the fairness of presentation of such financial statements.  PricewaterhouseCoopers LLP was also engaged to audit the effectiveness of the Company’s internal control over financial reporting.  The report of PricewaterhouseCoopers LLP follows this report.

 
Community Bank System, Inc.
 



By:  /s/ Mark E. Tryniski
Mark E. Tryniski,
President, Chief Executive Officer and Director

By:  /s/ Scott  Kingsley
Scott Kingsley,
Treasurer and Chief Financial Officer

 
93
 

 
Report of Independent Registered Public Accounting Firm
 

To the Board of Directors and Shareholders of
Community Bank System, Inc.

In our opinion, the consolidated statements of condition and the related consolidated statements of income, comprehensive income, changes in shareholders' equity, and cash flows present fairly, in all material respects, the financial position of Community Bank System, Inc. and its subsidiaries (the "Company") at December 31, 2013 and 2012, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2013 in conformity with accounting principles generally accepted in the United States of America.  Also in our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of December 31, 2013, based on criteria established in Internal Control - Integrated Framework(1992) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). The Company's management is responsible for these financial statements, for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Report on Internal Control Over Financial Reporting.  Our responsibility is to express opinions on these financial statements and on the Company's internal control over financial reporting based on our integrated audits.  We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States).  Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement and whether effective internal control over financial reporting was maintained in all material respects.  Our audits of the financial statements included examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by management, and evaluating the overall financial statement presentation.  Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk.  Our audits also included performing such other procedures as we considered necessary in the circumstances. We believe that our audits provide a reasonable basis for our opinions.

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles.  A company’s internal control over financial reporting includes those policies and procedures that (i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (ii) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (iii) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements.  Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.


/s/PricewaterhouseCoopers LLP

Buffalo, New York
March 3, 2014


 
94
 

TWO YEAR SELECTED QUARTERLY DATA (Unaudited)

2013 Results
4th
3rd
2nd
1st
  
(000's omitted, except per share data)
Quarter
Quarter
Quarter
Quarter
Total
Net interest income
$60,636
$60,601
$58,432
$58,425
$238,094
Provision for loan losses
3,185
2,093
1,321
1,393
7,992
  Net interest income after provision for loan losses
57,451
58,508
57,111
57,032
230,102
Noninterest income
21,379
27,594
27,098
26,109
102,180
Operating expenses
57,283
55,044
54,376
54,552
221,255
Income before income taxes
21,547
31,058
29,833
28,589
111,027
Income taxes
6,070
9,069
8,711
8,348
32,198
Net income
$15,477
$21,989
$21,122
$20,241
$78,829
           
Basic earnings per share
$0.38
$0.55
$0.53
$0.51
$1.96
Diluted earnings per share
$0.38
$0.54
$0.52
$0.50
$1.94
           
2012 Results
4th
3rd
2nd
1st
  
(000's omitted, except per share data)
Quarter
Quarter
Quarter
Quarter
Total
Net interest income
$59,969
$58,775
$57,771
$53,909
$230,424
Provision for loan losses
2,666
2,643
2,155
1,644
9,108
  Net interest income after provision for loan losses
57,303
56,132
55,616
52,265
221,316
Noninterest income
26,223
25,859
23,696
23,468
99,246
Operating expenses
56,899
56,085
49,370
49,403
211,757
Income before income taxes
26,627
25,906
29,942
26,330
108,805
Income taxes
7,823
7,539
8,871
7,504
31,737
Net income
$18,804
$18,367
$21,071
$18,826
$77,068
           
Basic earnings per share
$0.47
$0.46
$0.53
$0.49
$1.95
Diluted earnings per share
$0.47
$0.46
$0.53
$0.48
$1.93

Item 9.  Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
None

Item 9A. Controls and Procedures

Evaluation of Disclosure Controls and Procedures
The Company maintains disclosure controls and procedures, as defined in Rule 13a -15(e) and 15d – 15(e) under the Securities Exchange Act of 1934, as amended, designed to: (i) record, process, summarize, and report within the time periods specified in the Securities and Exchange Commission’s (“SEC”) rules and forms, and (ii) accumulate and communicate to management, including the principal executive and principal financial officers, as appropriate, to allow timely decisions regarding disclosure. Based on evaluation of the Company’s disclosure controls and procedures, with the participation of the Chief Executive Officer (“CEO”) and the Chief Financial Officer (“CFO”), the CEO and CFO have concluded that, as of the end of the period covered by this Annual Report on Form 10-K, these disclosure controls and procedures were effective as of December 31, 2013.

Management’s Annual Report on Internal Control over Financial Reporting
Management’s annual report on internal control over financial reporting is included under the heading “Report on Internal Control Over Financial Reporting” at Item 8 of this Annual Report on Form 10-K.

Report of the Registered Public Accounting Firm
The report of the Company’s registered public accounting firm is included under the heading “Report of the Independent Registered Public Accounting Firm” at Item 8 of this Annual Report on Form 10-K.


 
95
 

Changes in Internal Control over Financial Reporting
The Company continually assesses the adequacy of its internal control over financial reporting and enhances its controls in response to internal control assessments, and internal and external audit and regulatory recommendations.  No change in internal control over financial reporting during the quarter ended December 31, 2013 or through the date of this Annual Report on Form 10-K have materially affected, or is reasonably likely to materially affect, the Company’s internal control over financial reporting.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements.  Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate due to changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

Item 9B. Other Information

None
Part III

Item 10.  Directors, Executive Officers and Corporate Governance

The information concerning the Directors of the Company required by this Item 10 is incorporated herein by reference to the sections entitled “Nominees for Director and Directors Continuing in Office” in the Company’s Definitive Proxy Statement for its 2014 Annual Meeting of Shareholders, which will be filed with the SEC on or about April 1, 2014 (the “Proxy Statement”).  The information concerning executive officers of the Company required by this Item 10 is presented in Item 4A of this Annual Report on Form 10-K.  Disclosure of compliance with Section 16(a) of the Securities Exchange Act of 1934, as amended, by the Company’s directors and executive officers is incorporated by reference to the section entitled “Section 16(a) Beneficial Ownership Reporting Compliance” in the Proxy Statement.  In addition, information concerning Audit Committee and Audit Committee Financial Expert is included in the Proxy Statement under the caption “Audit Committee Report” and is incorporated herein by reference.

The Company has adopted a code of ethics that applies to its principal executive officer, principal financial officer, principal accounting officer or controller, or persons performing similar functions.  The text of the code of ethics is posted on the Company’s website at www.communitybankna.com, and is available free of charge in print to any person who requests it. The Company intends to satisfy the requirements under Item 5.05 of Form 8-K regarding an amendment to, or a waiver from, the code of ethics that relates to certain elements thereof, by posting such information on its website referenced above.

Item 11.  Executive Compensation

The information required by this Item 11 is incorporated herein by reference to the section entitled “Compensation of Executive Officers” in the Company’s Proxy Statement.

Item 12.  Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

The information required by this Item 12 is incorporated herein by reference to the section entitled “Nominees for Director and Directors Continuing in Office” in the Company’s Proxy Statement.

Item 13.  Certain Relationships and Related Transactions and Director Independence

The information required by this Item 13 is incorporated herein by reference to the sections entitled “Corporate Governance” and “Transactions with Related Parties” in the Company’s Proxy Statement.

Item 14.  Principal Accounting Fees and Services

The information required by this Item 14 is incorporated herein by reference to the section entitled “Audit Fees” in the Company’s Proxy Statement.



 
96
 

Part IV

Item 15.  Exhibits, Financial Statement Schedules

(a)  Documents filed as part of this report

(1)      All financial statements.  The following consolidated financial statements of Community Bank System, Inc. and subsidiaries are included in Item 8:

-     Consolidated Statements of Condition,
                      December 31, 2013 and 2012

-     Consolidated Statements of Income,
      Years ended December 31, 2013, 2012, and 2011
 
                -     Consolidated Statements of Comprehensive Income,
                      Years ended December 31, 2013, 2012, and 2011

-     Consolidated Statements of Changes in Shareholders' Equity,
                      Years ended December 31, 2013, 2012, and 2011

-     Consolidated Statement of Cash Flows,
                      Years ended December 31, 2013, 2012, and 2011

-     Notes to Consolidated Financial Statements,
                      December 31, 2013

-     Report of Independent Registered Public Accounting Firm

-     Quarterly selected data,
                      Years ended December 31, 2013 and 2012 (unaudited)

(2)      Financial statement schedules.  Schedules are omitted since the required information is either not applicable or shown elsewhere in the financial statements.

(3)      Exhibits.  The exhibits filed as part of this report and exhibits incorporated herein by reference to other documents are listed below:

                   2.1
Agreement and Plan of Merger, dated as of August 2, 2006, by and among Community Bank System, Inc., Seneca Acquisition Corp. and ONB Corporation.  Incorporated by reference to Exhibit 2.2 to the Quarterly Report on Form 10-Q filed on November 8, 2006 (Registration No. 001-13695).
 
  
                   2.2
Agreement and Plan of Merger dated as of April 20, 2006, by and among Community Bank System, Inc., ESL Acquisition Corp., and ES&L Bancorp, Inc.  Incorporated by reference to Exhibit 2.1 to the Current Report on Form 8-K filed on April 25, 2006 (Registration No. 001-13695).
  
     
                   2.3
Purchase and Assumption Agreement, dated as of June 24, 2008, by and among RBS Citizens, N.A., Community Bank System, Inc., and Community Bank, N.A.  Incorporated by reference to Exhibit 2.1 to the Current Report on Form 8-K filed on June 26, 2008 (Registration No. 001-13695).
  
     
                   2.4
Agreement and Plan of Merger, dated as of October 22, 2010, by and among Community Bank System, Inc. and The Wilber Corporation.   Incorporated by reference to Exhibit 2.1 to the Current Report on Form 8-K filed on October 25, 2010 (Registration No. 001-13695).
  
     
                   2.5
Assignment, Purchase and Assumption Agreement, dated as of January 19, 2012, by and among Community Bank, N.A. and First Niagara Bank, N.A.  Incorporated by reference to Exhibit 2.1 to the Current Report on Form 8-K filed on January 20, 2012 (Registration No. 001-13695).
  
     
               2.6
Purchase and Assumption Agreement, dated as of January 19, 2012, by and among Community Bank, N.A. and First Niagara Bank, N.A.  Incorporated by reference to Exhibit 2.2 to the Current Report on Form 8-K filed on January 20, 2012 (Registration No. 001-13695).
  
 
 
 
97
 
 
               2.7
Assignment, Purchase and Assumption Agreement, dated as of January 19, 2012, by and between Community Bank, N.A. and First Niagara Bank, N.A., as amended as restated as of July 19, 2012.   Incorporated by reference to Exhibit No. 99.1 to the Current Report on Form 8-K filed on July 24, 2012 (Registration No. 001-13695).
  
     
               2.8
Amendment No. 1 to Purchase and Assumption Agreement, dated as of September 6, 2012, by and among Community Bank, N.A. and First Niagara Bank, N.A. Incorporated by reference to Exhibit 99.1 to the Current Report on Form 8-K filed on September 13, 2012 (Registration No. 001-13695).
  
     
               2.9
Purchase and Assumption Agreement, dated as of July 23, 2013, by and between Community Bank, N.A. and Bank of America, N.A.  Incorporated by reference to Exhibit No. 2.1 to the Current Report on Form 8-K filed on July 26, 2013 (Registration No. 001-13695).
  
     
               3.1
Certificate of Incorporation of Community Bank System, Inc., as amended.  Incorporated by reference to Exhibit No. 3.1 to the Registration Statement on Form S-4 filed on October 20, 2000 (Registration No. 333-48374).
  
     
               3.2
Certificate of Amendment of Certificate of Incorporation of Community Bank System, Inc. Incorporated by reference to Exhibit No. 3.1 to the Quarterly Report on Form 10-Q filed on May 7, 2004 (Registration No. 001-13695).
  
     
               3.3
Certificate of Amendment of Certificate of Incorporation of Community Bank System, Inc. Incorporated by reference to Exhibit No. 3.1 to the Quarterly Report on Form 10-Q filed on August 9, 2013 (Registration No. 001-13695).
  
     
               3.4
Bylaws of Community Bank System, Inc., amended July 18, 2007.  Incorporated by reference to Exhibit 3.2 to the Current Report on Form 8-K filed on July 24, 2007 (Registration No. 001-13695).
  
     
               4.1
Form of Common Stock Certificate.  Incorporated by reference to Exhibit No. 4.1 to the Amendment No. 1 to the Registration Statement on Form S-3 filed on September 29, 2008 (Registration No. 333-153403).
  
 
               10.1
Indenture, dated as of December 8, 2006, between Community Bank System, Inc. and Wilmington Trust Company, as trustee.  Incorporated by reference to Exhibit No. 4.1 to the Current Report on Form 8-K filed on December 12, 2006 (Registration No. 001-13695).
   
                   10.2
Amended and Restated Declaration of Trust, dated as of December 8, 2006, among Community Bank System, Inc., as sponsor, Wilmington Trust Company, as Delaware trustee, Wilmington Trust Company, as institutional trustee, and Mark E. Tryniski, Scott A. Kingsley, and Joseph J. Lemchak as administrators.  Incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K filed on December 12, 2006 (Registration No. 001-13695).
   
                   10.3
Guarantee Agreement, dated as of December 8, 2006, between Community Bank System, Inc., as guarantor, and Wilmington Trust Company, as guarantee trustee.  Incorporated by reference to Exhibit 10.1 to the Form 8-K filed on December 12, 2006 (Registration No. 001-13695).
   
                   10.4
Employment Agreement, effective January 1, 2012, by and between Community Bank System, Inc., Community Bank, N.A. and Mark E. Tryniski.  Incorporated by reference to Exhibit No. 10.1 to the Current Report on Form 8-K filed on December 30, 2011 (Registration No. 001-13695).(2)
   
               10.5
Supplemental Retirement Plan Agreement, effective as of December 31, 2008, by and among Community Bank, N.A., Community Bank System, Inc. and Mark E. Tryniski.  Incorporated by reference to Exhibit No. 10.2 to the Current Report on Form 8-K filed on March 19, 2009 (Registration No. 001-13695).(2)
   
                   10.6
Employment Agreement, dated as of December 31, 2013, by and among Community Bank System, Inc., Community Bank N.A. and Scott Kingsley.  Incorporated by reference to Exhibit No. 10.2 to the Current Report on Form 8-K filed on January 3, 2014 (Registration No. 001-13695).(2)
   
 
 
 
98
 
 
                   10.7
Supplemental Retirement Plan Agreement, effective September 29, 2009, by and between Community Bank System Inc., Community Bank, N.A., and Scott Kingsley.  Incorporated by reference to Exhibit No. 10.1 to the Current Report on Form 8-K filed on October 1, 2009 (Registration No. 001-13695).(2)
   
                   10.8
Employment Agreement, dated as of October 18, 2013, by and between Community Bank System, Inc., Community Bank N.A. and Brian D. Donahue.  Incorporated by reference to Exhibit No. 10.1 to the Current Report on Form 8-K filed on October 23, 2013 (Registration No. 001-13695).(2)
   
                   10.9
Supplemental Retirement Plan Agreement, dated as of October 18, 2013, by and between Community Bank System Inc., Community Bank, N.A., and Brian D. Donahue.  Incorporated by reference to Exhibit No. 10.2 to the Current Report on Form 8-K filed on October 23, 2013 (Registration No. 001-13695).(2)
   
                   10.10
Employment Agreement, dated as of December 31, 2013, by and among Community Bank System, Inc., Community Bank N.A. and George J. Getman.   Incorporated by reference to Exhibit No. 10.1 to the Current Report on Form 8-K filed on January 3, 2014 (Registration No. 001-13695).(2)
   
                   10.11
Supplemental Retirement Plan Agreement, dated as of October 18, 2013, by and among Community Bank System, Inc., Community Bank, N.A. and George J. Getman.  Incorporated by reference to Exhibit 10.3 to the Current Report on Form 8-K filed on October 23, 2013 (Registration No. 001-13695).(2)
   
                   10.12
Employment Agreement, dated as of January 1, 2013, by and among Community Bank System, Inc., Community Bank N.A. and Joseph F. Serbun.   Incorporated by reference to Exhibit No. 10.1 to the Quarterly Report on Form 10-Q filed on May 10, 2013 (Registration No. 001-13695).(2)
   
                   10.13
Pre-2005 Supplemental Retirement Agreement, effective December 31, 2004, by and between Community Bank System, Inc., Community Bank, N.A. and Sanford Belden.  Incorporated by reference to Exhibit No. 10.3 to the Annual Report on Form 10-K filed on March 15, 2005 (Registration No. 001-13695).(2)
   
                   10.14
Post-2004 Supplemental Retirement Agreement, effective January 1, 2005, by and between Community Bank System, Inc., Community Bank, N.A. and Sanford Belden.  Incorporated by reference to Exhibit No. 10.2 to the Annual Report on Form 10-K filed on March 15, 2005 (Registration No. 001-13695).(2)
   
                   10.15
Supplemental Retirement Plan Agreement, effective March 26, 2003, by and between Community Bank System Inc. and Thomas McCullough.  Incorporated by reference to Exhibit No. 10.11 to the Annual Report on Form 10-K filed on March 12, 2004 (Registration No. 001-13695).(2)
   
                   10.16
2004 Long-Term Incentive Compensation Program, as to be amended.  Incorporated by reference to Exhibit No. 99.1 to the Registration Statement on Form S-8 filed on December 19, 2012 (Registration No. 001-13695).(2)
   
                   10.17
Stock Balance Plan for Directors, as amended.  Incorporated by reference to Annex I to the Definitive Proxy Statement on Schedule 14A filed on March 31, 1998 (Registration No. 001-13695).(2)
   
                   10.18
Deferred Compensation Plan for Directors, as amended.  Incorporated by reference to Annex I to the Definitive Proxy Statement on Schedule 14A filed on March 31, 1998 (Registration No. 001-13695).(2)
   
                   10.19
Community Bank System, Inc. Pension Plan Amended and Restated as of January 1, 2004.  Incorporated by reference to Exhibit No. 10.27 to the Annual Report on Form 10-K filed on March 15, 2005 (Registration No. 001-13695).(2)
   
 
 
 
99
 
 
                   10.20
Amendment #1 to the Community Bank System, Inc. Pension Plan, as amended and restated as of January 1, 2004 (“Plan”).  Incorporated by reference to Exhibit No. 10.27 to the Annual Report on Form 10-K filed on March 15, 2005 (Registration No. 001-13695).(2)
   
                   10.21
Amendment #1 to the Deferred Compensation Plan For Certain Executive Employees of Community Bank System, Inc., as amended and restated as of January 1, 2002.  Incorporated by reference to Exhibit No. 10.33 to the Annual Report on Form 10-K filed on March 15, 2005 (Registration No. 001-13695).(2)
   
                   10.22
Community Bank System, Inc. 401(k) Employee Stock Ownership Plan, dated as of December 20, 2011.  Incorporated by reference to Exhibit 4.5 to the Registration Statement on Form S-8 filed on December 20, 2013 (Registration No. 001-13695).(2)
 
                   14.1
Community Bank System, Inc., Code of Ethics.  Incorporated by reference to Exhibit No. 1 to the Annual Report on Form 10-K filed on March 15, 2005 (Registration No. 001-13695).
   
                   21.1
Subsidiaries of Registrant.(1)
   
                   23.1
Consent of PricewaterhouseCoopers LLP.(1)
   
                   31.1
Certification of Mark E. Tryniski, President and Chief Executive Officer of the Registrant, pursuant to Rule 13a-15(e) or Rule 15d-15(e) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.(1)
   
                   31.2
Certification of Scott Kingsley, Treasurer and Chief Financial Officer of the Registrant, pursuant to Rule 13a-15(e) or Rule 15d-15(e) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.(1)
   
                   32.1
Certification of Mark E. Tryniski, President and Chief Executive Officer of the Registrant, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.(3)
   
                   32.2
Certification of Scott Kingsley, Treasurer and Chief Financial Officer of the Registrant, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.(3)
   
                   101
Interactive data files pursuant to Rule 405 of Regulation S-T: (i) the Consolidated Statements of Condition, (ii) the Consolidated Statements of Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Stockholders’ Equity, (v) the Consolidated Statements of Cash Flows, and (vi) the Notes to Consolidated Financial Statements tagged as blocks of text and in detail.(4)
 
(1) Filed herewith.
(2) Denotes management contract or compensatory plan or arrangement.
(3) Furnished herewith.
(4) XBRL (Extensible Business Reporting Language) information is furnished and not filed or a part of a registration statement or prospectus for purposes of sections 11 or 12 of the Securities Act
of 1933, is deemed not filed for purposes of section 18 of the Securities Exchange Act of 1934, and otherwise is not subject to liability under these sections.

B.      Not applicable


C.      Not applicable.

 
100
 

SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

COMMUNITY BANK SYSTEM, INC.


By:
/s/ Mark E. Tryniski
Mark E. Tryniski
President and Chief Executive Officer
March 3, 2014

Pursuant to the requirements of the Securities and Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on the 3rd day of March 2014.


By:
/s/ Mark E. Tryniski
Mark E. Tryniski
President, Chief Executive Officer and Director
(Principal Executive Officer)
 
 
By:
/s/ Scott Kingsley
Scott Kingsley
Treasurer and Chief Financial Officer
(Principal Financial Officer and Principal Accounting Officer)


Directors:


/s/ Brian R. Ace
/s/ Edward S. Mucenski
Brian R. Ace, Director
Edward S. Mucenski, Director
   
/s/ Mark J. Bolus
/s/ John Parente
Mark J. Bolus, Director
John Parente, Director
   
/s/ Nicholas A. DiCerbo
/s/ Sally A. Steele
Nicholas A. DiCerbo, Director and Chairman of the
Board of Directors
Sally A. Steele, Director
   
/s/ Neil E. Fesette
/s/ John F. Whipple, Jr.
Neil E. Fesette, Director
John F. Whipple Jr., Director
   
/s/ James A. Gabriel
/s/ James A. Wilson
James A. Gabriel, Director
James A. Wilson, Director
   
/s/ James W. Gibson, Jr.
/s/ Brian R. Wright
James W. Gibson, Jr., Director
Brian R. Wright, Director
   
 
 
101
 

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Exhibit 21.1

Subsidiaries of Registrant
As of December 31, 2013


Name
Jurisdiction of Incorporation
Community Bank, N.A.
Federally Chartered
Community Statutory Trust III
Connecticut
Community Capital Trust IV
Delaware
Benefit Plans Administrative Services, Inc.
New York
Benefit Plans Administrative Services, LLC
New York
Harbridge Consulting Group, LLC
New York
CBNA Treasury Management Corporation
New York
Community Investment Services, Inc.
New York
CBNA Preferred Funding Corp.
Delaware
CFSI Close-Out Corp.
New York
Nottingham Advisors, Inc.
Delaware
First Liberty Service Corporation
Delaware
First of Jermyn Realty Company, Inc.
Pennsylvania
Brilie Corporation
New York
Town & Country Agency LLC
New York
CBNA Insurance Agency, Inc.
New York
Hand Benefits & Trust Company
Texas
Hand Securities, Inc.
Texas
Flex Corporation
Western Catskill Realty, LLC
Texas
New York
BPAS Trust Company of Puerto Rico
Puerto Rico

 
102
 

EX-23.1 5 cbna10k2013ex231.htm cbna10k2013ex231.htm

 Exhibit 23.1







CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM




We hereby consent to the incorporation by reference in the Registration Statements on Form S-3 (No. 333-179119) and Form S-8 (Nos. 333-61916, 333-61672, 333-17011, 333-16635, 033-60607, 333-119887, 333-119590,  333-185556 and 333-192994) of Community Bank System, Inc. of our report dated March 3, 2014 relating to the financial statements and the effectiveness of internal control over financial reporting, which appears in this Form 10-K.



/s/PricewaterhouseCoopers LLP

Buffalo, New York
March 3, 2014

 
103
 

EX-31.1 6 cbna10k2013ex311.htm cbna10k2013ex311.htm

Exhibit 31.1
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

   I, Mark E. Tryniski, certify that:

 
1. I have reviewed this annual report on Form 10-K of Community Bank System, Inc.;

 
2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 
3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 
4. The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)  
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)  
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)  
Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)  
Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 
5. The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

a)  
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

b)  
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.


Date:  March 3, 2014

/s/ Mark E. Tryniski
Mark E. Tryniski,
President, Chief Executive Officer and Director

 
104
 

EX-31.2 7 cbna10k2013ex312.htm cbna10k2013ex312.htm

Exhibit 31.2
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

   I, Scott Kingsley, certify that:

 
1. I have reviewed this annual report on Form 10-K of Community Bank System, Inc.;

 
2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 
3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 
4. The registrant's other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

a)  
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

b)  
Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

c)  
Evaluated the effectiveness of the registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

d)  
Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 
5. The registrant's other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant's auditors and the audit committee of the registrant's board of directors (or persons performing the equivalent functions):

a)  
All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant's ability to record, process, summarize and report financial information; and

b)  
Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant's internal control over financial reporting.

Date:  March 3, 2014

/s/ Scott Kingsley
Scott Kingsley,
Treasurer and Chief Financial Officer

 
105
 

EX-32.1 8 cbna10k2013ex321.htm cbna10k2013ex321.htm

Exhibit 32.1
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Community Bank System, Inc. (the "Company") on Form 10-K for the year ended December 31, 2013 as filed with the Securities and Exchange Commission on the date hereof  (the "Report"), I, Mark E. Tryniski, President and Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

(1)
the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)
the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Mark E. Tryniski
Mark E. Tryniski
President, Chief Executive Officer and Director
March 3, 2014

 
106
 




EX-32.2 9 cbna10k2013ex322.htm cbna10k2013ex322.htm

Exhibit 32.2

CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

In connection with the Annual Report of Community Bank System, Inc. (the "Company") on Form 10-K for the year ended December 31, 2013 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Scott Kingsley, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:

(1)
the Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2)
the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

/s/ Scott Kingsley
Scott Kingsley,
Treasurer and Chief Financial Officer
March 3, 2014

 
107
 

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("CAI"), a provider of actuarial, consulting and retirement plan administration services, with offices in New York City and Northern New Jersey. 1400000 0 5510000 26901000 0 0 82580000 19700000 19668000 0 0 200000 5700000 2200000 4800000 -595462000 104735000 103000000 -291980000 6815000 5919000 5931000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">NOTE B:&#160;&#160;ACQUISITIONS</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">On December 13, 2013, the Bank completed its acquisition of eight branches in Northern Pennsylvania from Bank of America, N.A. 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If quoted prices are not available, fair values are measured using quoted market prices for similar securities or model-based valuation techniques. Level 1 securities include U.S. Treasury obligations and marketable equity securities that are traded by dealers or brokers in active over-the-counter markets. Level 2 securities include U.S. agency securities, mortgage-backed securities issued by government-sponsored entities, municipal securities and corporate debt securities that are valued by reference to prices for similar securities or through model-based techniques in which all significant inputs, such as reported trades, trade execution data, LIBOR swap yield curve, market prepayment speeds, credit information, market spreads, and security&#8217;s terms and conditions, are observable. Securities classified as Level 3 include pooled trust preferred securities in less liquid markets. The value of these instruments is determined using multiple pricing models or similar techniques from third party sources as well as significant unobservable inputs such as judgment or estimation by the Company in the weighting of the models. 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display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">0</font></div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">(5,944</font></div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">)</font></div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">(40,834</font></div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">)</font></div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">0</font></div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="padding-bottom: 4px; width: 52%;"><div style="text-align: left; text-indent: -9pt; display: block; font-family: times new roman; margin-left: 9pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">Commitments to originate real estate loans held for sale, net</font></div></td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">0</font></div></td><td align="left" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">293</font></div></td><td align="left" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">293</font></div></td><td align="left" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">0</font></div></td><td align="left" valign="bottom" style="padding-bottom: 4px; 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display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">0</font></div></td><td align="left" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">$</font></div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">44</font></div></td><td align="left" valign="bottom" style="padding-bottom: 4px; 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</font></td><td align="right" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">$</font></div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;"><font style="font-size: 10pt;">49,600</font></div></td><td align="left" valign="bottom" style="padding-bottom: 4px; width: 1%; font-family: times new roman; font-size: 10pt;"><font style="font-size: 10pt;">&#160; </font></td></tr><tr bgcolor="white"><td align="left" colspan="16" valign="bottom"><div style="text-align: left; 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margin-right: 0pt;">Losses</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 2%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">#</div></td><td valign="bottom" style="border-bottom: black 4px double; width: 6%;"><div style="text-align: center; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Value</div></td><td valign="bottom" style="border-bottom: black 4px double; width: 8%;"><div style="text-align: center; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Losses</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; 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</td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; font-style: italic; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">Available-for-Sale Portfolio:</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;U.S. Treasury and agency obligations</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">43</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$1,181,214</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">$41,304</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">195,526</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">11,774</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4,974</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 9pt; 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display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">43</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">68,917</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">3,262</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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font-size: 10pt; margin-right: 3.5pt;">93</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 2%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">7</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 3%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,608</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">93</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;&#160;&#160;&#160;Total available-for-sale/investment portfolio</div></td><td valign="bottom" style="width: 1%; 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font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; 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margin-right: 0pt;">In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans.&#160;&#160;In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan.&#160;&#160;Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (&#8220;TDR&#8221;) has occurred, which is when, for economic or legal reasons related to a borrower&#8217;s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider.&#160;&#160;Terms may be modified to fit the ability of the borrower to repay in line with its current financial standing and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.&#160;&#160;With regard to determination of the amount of the allowance for loan losses, troubled debt restructured loans are considered to be impaired.&#160;&#160;As a result, the determination of the amount of allowance for loan losses related to impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously.</div><div style="text-indent: 0pt; 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width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Nonaccrual</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accruing</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td></tr><tr><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 4%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">Amount</div></td><td valign="bottom" style="width: 4%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">Amount</div></td><td valign="bottom" style="width: 4%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">10</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,046</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -5.4pt;">Consumer indirect</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">98</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">692</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">98</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">692</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">106</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">718</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">106</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">718</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -5.4pt;">Consumer direct</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">46</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">116</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">46</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">116</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">19</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">116</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">19</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">116</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -5.4pt;">Home equity</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">12</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">202</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">20</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">363</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">32</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">565</div></td><td valign="bottom" style="padding-bottom: 2px; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">70</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">266</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">24</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">336</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">47</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$2,046</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">213</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$3,389</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">260</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$5,435</div></td><td valign="bottom" style="padding-bottom: 4px; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">18</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$3,276</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">189</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$3,174</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">207</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$6,450</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table presents information related to loans modified in a TDR during the years ended December&#160;31, 2013 and 2012.&#160;&#160;Of the loans noted in the table below, all loans for the year ended December 31, 2012 and all but two loans for the year ended December 31, 2013, were modified due to a Chapter 7 bankruptcy as described previously.&#160;&#160;The others were a business loan restructured via an extension of term and a consumer mortgage restructured via an extension of term and a rate concession.&#160;&#160;The financial effects of these restructurings were immaterial.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: center;"><table cellpadding="0" cellspacing="0" style="width: 50%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2013</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 16%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 2.6pt;">December 31, 2012</div></td></tr><tr><td valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">(000&#8217;s omitted)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">#</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amount</div></td><td valign="bottom" style="text-align: center; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">#</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amount</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">Consumer mortgage</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">31</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$1,758</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">23</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$1,176</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">Business lending</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">183</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">9</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,709</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">Consumer indirect</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">36</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">327</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">47</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">281</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">Consumer direct</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">22</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">75</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">95</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">Home equity</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">14</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">298</div></td><td valign="bottom" style="padding-bottom: 2px; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">12</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">126</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">106</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$2,641</div></td><td valign="bottom" style="padding-bottom: 4px; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">104</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$4,387</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; 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display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">43</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">68,917</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">3,262</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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</td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 3%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,608</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">93</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;&#160;&#160;&#160;Total available-for-sale/investment portfolio</div></td><td valign="bottom" style="width: 1%; 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font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; font-style: italic; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">Available-for-Sale Portfolio:</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;Obligations of state and political subdivisions</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">19</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">$11,503</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">$61</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$0</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$0</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">19</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">$11,503</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">$61</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;Pooled trust preferred securities</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">0</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">0</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; font-family: times new roman; font-size: 10pt;">3</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">49,600</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">12,379</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">3</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">49,600</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">12,379</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;Government agency mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">8</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">14,354</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">51</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">8</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">14,354</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">51</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;Corporate debt securities</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">1</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">2,905</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">44</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 0pt;">&#160;Government agency collateralized mortgage obligations</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">426</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">2</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 2%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,041</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">6</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">1,467</div></td><td align="right" valign="bottom" style="width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">3</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;Marketable equity securities</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">0</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.5pt;">0</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 2%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">158</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 9pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">43</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 3%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">1</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">158</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 3.75pt;">43</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 34%;"><div style="text-align: left; text-indent: -18pt; display: block; font-family: times new roman; margin-left: 18pt; font-size: 10pt; margin-right: 2.25pt;">&#160;&#160;&#160;&#160;Total available-for-sale/investment portfolio</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 2%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; 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The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. 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Fair values for variable rate loans that reprice frequently are based on carrying values.&#160;&#160;Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.&#160;&#160;The carrying amount of accrued interest approximates its fair value.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Interest on loans is accrued and credited to operations based upon the principal amount outstanding.&#160;&#160;Nonrefundable loan fees and related direct costs are deferred and included in the loan balances where they are amortized over the life of the loan as an adjustment to loan yield using the effective yield method.&#160;&#160;Premiums and discounts on purchased loans are amortized using the effective yield method over the life of the loans.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Acquired loans</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Acquired loans are initially recorded at their acquisition date fair values.&#160;&#160;The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Acquired impaired loans</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under ASC 310-30.&#160;&#160;The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loan to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Acquired non-impaired loans</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan&#8217;s cost basis and are accreted (or amortized) to net interest income (or expense) over the loan&#8217;s remaining life in accordance with ASC 310- 20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans is consistent with the policy described below.&#160;&#160;However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.&#160;&#160;The carrying value represents the net of the loan&#8217;s unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.&#160;&#160;When the carrying value exceeds the net realizable value, an allowance for loan losses is recognized.</div><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;</div><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Impaired and Other Nonaccrual Loans</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Company places a loan on nonaccrual status when the loan becomes 90 days past due (or sooner, if management concludes collection is doubtful), except when, in the opinion of management, it is well-collateralized and in the process of collection.&#160;&#160;A loan may be placed on nonaccrual status earlier than ninety days past due if there is deterioration in the financial position of the borrower or if other conditions of the loan so warrant. When a loan is placed on nonaccrual status, uncollected accrued interest is reversed against interest income and the amortization of nonrefundable loan fees and related direct costs is discontinued. Interest income during the period the loan is on nonaccrual status is recorded on a cash basis after recovery of principal is reasonably assured. Nonaccrual loans are returned to accrual status when management determines that the borrower&#8217;s performance has improved and that both principal and interest are collectible.&#160;&#160;This generally requires a sustained period of timely principal and interest payments and a well-documented credit evaluation of the borrower&#8217;s financial condition.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">A loan is considered modified in a troubled debt restructuring (&#8220;TDR&#8221;) when, due to a borrower&#8217;s financial difficulties, the Company makes a concession(s) to the borrower that it would not otherwise consider.&#160;&#160;These modifications may include, among others, an extension for the term of the loan, or granting a period when interest&#8211;only payments can be made with the principal payments and interest caught up over the remaining term of the loan or at maturity.&#160;&#160;Generally, a nonaccrual loan that has been modified in a TDR remains on nonaccrual status for a period of 12 months to demonstrate that the borrower is able to meet the terms of the modified loan.&#160;&#160;If the borrower&#8217;s ability to meet the revised payment schedule is uncertain, the loan remains on nonaccrual status.</div><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">During 2012, new regulatory guidance was issued by the OCC addressing the accounting of certain loans that have been discharged in Chapter 7 bankruptcy.&#160;&#160;In accordance with this new guidance, loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.&#160;&#160;The Company&#8217;s lien position against the underlying collateral remains unchanged.&#160;&#160;Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Commercial loans greater than $0.5 million are evaluated individually for impairment.&#160;&#160;A loan is considered impaired, based on current information and events, if it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.&#160;&#160;The measurement of impaired loans is generally based upon the present value of expected future cash flows or the fair value of the collateral, if the loan is collateral-dependent.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Company&#8217;s charge-off policy by loan type is as follows:</div><div style="text-indent: 0pt; display: block;"><div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="width: 100%;"><tr><td valign="top" style="text-align: left; width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: symbol, serif; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#183;</div></td><td valign="middle" style="width: 76%;"><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">Business lending loans are generally charged-off to the extent outstanding principal exceeds the fair value of estimated proceeds from collection efforts, including liquidation </font><font style="display: inline; font-family: times new roman; font-size: 10pt;">of collateral. The charge-off is recognized when the loss becomes reasonably quantifiable.</font></div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="width: 100%;"><tr><td valign="top" style="text-align: left; width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: symbol, serif; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#183;</div></td><td valign="middle" style="width: 76%;"><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">Consumer installment loans are generally charged-off to the extent outstanding principal balance exceeds the fair value of collateral, and are recognized by the end of the month </font><font style="display: inline; font-family: times new roman; font-size: 10pt;">in which the loan becomes 90 days past due.</font></div></td></tr></table></div><div><table cellpadding="0" cellspacing="0" style="width: 100%;"><tr><td valign="top" style="text-align: left; width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: symbol, serif; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#183;</div></td><td valign="middle" style="width: 76%;"><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">Consumer mortgage and home equity loans are generally charged-off to the extent outstanding principal exceeds the fair value of the property, less estimated costs to sell, and </font><font style="display: inline; font-family: times new roman; font-size: 10pt;">are recognized when the loan becomes 180 days past due.</font></div></td></tr></table></div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div></div></div></div><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 12.25pt;">Allowance for Loan Losses</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 12.25pt;">Management continually evaluates the credit quality of the Company&#8217;s loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.&#160;&#160;The allowance reflects management&#8217;s best estimate of probable losses inherent in the loan portfolio.&#160;&#160;Determination of the allowance is subjective in nature and requires significant estimates.&#160;&#160;&#160;The Company&#8217;s allowance methodology consists of two broad components - general and specific loan loss allocations.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 12.25pt;">The general loan loss allocation is composed of two calculations that are computed on five main loan segments:&#160;&#160;business lending, consumer installment - direct, consumer installment - indirect, home equity and consumer mortgage.&#160;&#160;The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).&#160;&#160;The second calculation is qualitative and takes into consideration eight qualitative environmental factors:&#160;&#160;levels and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.&#160;&#160;&#160;&#160;A component of the qualitative calculation is the unallocated allowance for loan loss.&#160;&#160;The qualitative and quantitative calculations are added together to determine the general loan loss allocation.&#160;&#160;The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.&#160;&#160;Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.&#160;&#160;The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.</div><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 12.25pt;">&#160;</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.&#160;&#160;A provision for loan losses is charged to operations based on management&#8217;s periodic evaluation of factors previously mentioned.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Intangible Assets</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. 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The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.&#160;&#160;It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.&#160;&#160;The implied fair value of a reporting unit&#8217;s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.&#160;&#160;The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: left; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Premises and Equipment</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Premises and equipment are stated at cost less accumulated depreciation.&#160;&#160;Computer software costs that are capitalized only include external direct costs of obtaining and installing the software.&#160;&#160;The Company has not developed any internal use software.&#160;&#160;Depreciation is calculated using the straight-line method over the estimated useful lives of the assets.&#160;&#160;Useful lives range from three to 10 years for equipment; three to seven years for software and hardware; and 10 to 40 years for building and building improvements.&#160;&#160;Land improvements are depreciated over 20 years and leasehold improvements are amortized over the shorter of the term of the respective lease plus any optional renewal periods that are reasonably assured or life of the asset. 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display: block;"><br /></div></div> 795560 782173 17408000 17115000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Information regarding troubled debt restructurings as of December 31, 2013 and December 31, 2012 is as follows</div><div style="text-align: justify; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;">&#160;</div><div style="text-align: center;"><table cellpadding="0" cellspacing="0" style="width: 90%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid; width: 33%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2013</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid; width: 34%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">December 31, 2012</div></td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(000&#8217;s omitted)</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Nonaccrual</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accruing</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Nonaccrual</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accruing</div></td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 11%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td></tr><tr><td valign="bottom" style="width: 15%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 4%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">Amount</div></td><td valign="bottom" style="width: 4%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">Amount</div></td><td valign="bottom" style="width: 4%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">Amount</div></td><td valign="bottom" style="width: 2%;">&#160;</td><td valign="bottom" style="width: 4%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">Amount</div></td><td valign="bottom" style="width: 5%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">Amount</div></td><td valign="bottom" style="width: 4%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">#</div></td><td valign="bottom" style="width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -3.15pt; text-decoration: underline;">Amount</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -5.4pt;">Consumer mortgage</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">31</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$1,682</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">48</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$2,171</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">79</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$3,853</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$160</div></td><td align="right" valign="bottom" style="width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">45</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$2,074</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">48</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$2,234</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -5.4pt;">Business lending</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">162</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">47</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">209</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">10</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,046</div></td><td align="right" valign="bottom" style="width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">10</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,046</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -5.4pt;">Consumer indirect</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">98</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">692</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">98</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">692</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">106</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">718</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">106</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">718</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -5.4pt;">Consumer direct</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">46</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">116</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">46</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">116</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">0</div></td><td align="right" valign="bottom" style="width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">19</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">116</div></td><td align="right" valign="bottom" style="width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">19</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">116</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -5.4pt;">Home equity</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">12</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">202</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">20</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">363</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">32</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">565</div></td><td valign="bottom" style="padding-bottom: 2px; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">70</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">19</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">266</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">24</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">336</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="border-bottom: black 4px double; width: 15%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Total</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">47</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$2,046</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">213</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$3,389</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">260</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$5,435</div></td><td valign="bottom" style="padding-bottom: 4px; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">18</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$3,276</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 5%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">189</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$3,174</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; width: 4%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">207</div></td><td align="right" valign="bottom" style="border-bottom: black 4px double; 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width: 17%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">(000&#8217;s omitted)</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">#</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amount</div></td><td valign="bottom" style="text-align: center; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">#</div></td><td valign="bottom" style="border-bottom: black 2px solid; text-align: center; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amount</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">Consumer mortgage</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">31</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$1,758</div></td><td valign="bottom" style="width: 2%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">36</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">327</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">47</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">281</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: -0.9pt;">Consumer direct</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">22</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">75</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">13</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; 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display: block;"><br /></div></div> 246000 541000 111000 279000 397000 430000 0 39192000 35767000 40000000 36182000 39671000 40504000 -257000 -247000 422000 248962000 -16078000 239174000 5959000 5373000 9379000 0 0 198890000 131456000 85512000 -31002000 11601000 -31473000 -49337000 45232000 40477000 11339000 -4194000 -15603000 -17447000 2 P5Y Par Par 501600000 226400000 13460000 14492000 2048000 2939000 390499000 387134000 293000 0 0 293000 5011000 4519000 1218000 1028000 322030000 367241000 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 12.25pt;">The following table summarizes the key economic assumptions used to estimate the value of the MSRs at December 31:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: center;"><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; 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Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performingunder ASC 310-30. As a result interest income, through the accretion of the difference between the carryingamount of the loans and the expected cashflows, is being recognized on acquired impaired loans. Accruing loans have demonstrated a period of at least six months of payment performance under the restructured terms and are excluded from nonperforming loans. 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Financing Receivable, Modifications [Line Items] 90 + Days Past Due and Still Accruing Nonaccrual TDR occurring during the year, Number of contracts Financing Receivable, Allowance for Credit Losses [Line Items] TDR occurring during the year, post-modification recorded investment Financing Receivable, Recorded Investment [Line Items] Troubled debt restructurings , Total Financing Receivable, Modifications, Recorded Investment Financing Receivable, Recorded Investment, Class of Financing Receivable [Domain] Individual commercial loan evaluated for impairment, minimum Financing Receivable, Individually Evaluated for Impairment Current Financing Receivable, Recorded Investment, by Class of Financing Receivable [Axis] Total Past Due Financing Receivable, Recorded Investment, Past Due Financing Receivable, Troubled Debt Restructuring [Axis] Financing Receivable, Troubled Debt Restructuring [Domain] Intangible asset useful life (amortization period) Estimated useful life of core deposit 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Securities, Fair Value Eliminations [Member] Intersegment Eliminations [Member] Summary of non-business impaired loans Impaired Financing Receivables [Table Text Block] Average impaired loans Contractual balance Carrying balance Impaired Financing Receivable, Recorded Investment Specifically allocated allowance Interest income recognized Equity in undistributed net income of subsidiaries Equity in undistributed net income of subsidiaries Income (Loss) from Equity Method Investments Income Statement [Abstract] CONSOLIDATED STATEMENTS OF INCOME [Abstract] (Loss) Income before tax benefit and equity in undistributed net income of subsidiaries Income before income taxes Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest Income Statement Location [Axis] INCOME TAXES [Abstract] INCOME TAXES Income Tax Disclosure [Text Block] Income Statement Location [Domain] Provision for income taxes [Abstract] Income Tax 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income Net interest income Net interest income after provision for loan losses Interest Income (Expense), after Provision for Loan Loss Cash paid for interest Interest Rate Swap [Member] Accrued interest and fee receivable Interest Receivable Interest Rate Lock Commitments [Member] Interest Rate Cap [Member] Interest and dividends on taxable investments Interest checking Interest-bearing deposits Interest and dividends on nontaxable investments Internal Credit Assessment [Axis] Internal Credit Assessment [Axis] Internal Credit Assessment [Domain] Investment Securities Investment, Policy [Policy Text Block] Federal Home Loan Bank Common Stock [Member] Investment in Federal Home Loan Bank Stock [Member] Investment Holdings [Line Items] Investment Holdings [Table] Investment Secondary Categorization [Axis] Investment securities Investments by Secondary Categorization [Domain] Amortized cost and estimated fair value of debt securities by contractual maturity Investments Classified by 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Litigation Settlement, Amount Impaired loans [Abstract] Allowance for Loan Losses Beginning balance Ending balance Allowance for loan losses Loans and Leases Receivable, Allowance Total Loans Gross loans, including deferred origination costs Loans Loans and Leases Receivable, Gross New loans Loans receivable, related parties [Roll Forward] Balance at beginning of year Balance at end of year Loans and Leases Receivable, Related Parties Impaired and Other Nonaccrual Loans Net loans Loans and Leases Receivable, Net Amount Loans Loans and Leases Receivable, Valuation, Policy [Policy Text Block] Other Real Estate Loans and Leases Receivable, Real Estate Acquired Through Foreclosure, Policy [Policy Text Block] Payments Loans and Leases Receivable, Related Parties, Collections Loans held for sale, at fair value Loans Held-for-sale, Mortgages LOANS Loans, Notes, Trade and Other Receivables Disclosure [Text Block] LOANS [Abstract] Net loans Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, upper range Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, lower range Major Types of Debt Securities [Domain] Gain on sales of investment securities, net Gain on sales of investment securities, net Marketable Securities, Realized Gain (Loss) Maximum [Member] Minimum [Member] Principal balance of loans sold during the year Government Agency Mortgage-Backed Securities [Member] Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] Mortgages loans held for sale Mortgages Held-for-sale, Fair Value Disclosure Multi-employer plan, contributions Financing activities: Financing activities [Abstract] Investing activities: Investing activities [Abstract] Net cash (used in) provided by investing activities Net Cash Provided by (Used in) Investing Activities Operating activities: Operating activities [Abstract] Net cash provided by (used in) financing activities Net Cash Provided by (Used in) Financing Activities Net cash provided by (used in) operating activities Net Cash Provided by (Used in) Operating Activities Net income Net income New Accounting Pronouncements New Accounting Pronouncements, Policy [Policy Text Block] Acquisitions: Noninterest-bearing deposits Noninterest income Noninterest Income, Other Operating Income Other income Total noninterest income Noninterest Income Noninterest income: Noninterest checking Expenses [Abstract] Noninterest expenses: Noninterest Expense [Abstract] Loans receivable, net [Abstract] Not Designated as Hedging Instrument [Member] Occupancy and equipment Thereafter Future minimum rental commitments [Abstract] 2017 Total noninterest expenses Operating Expenses 2018 2016 Rental expense 2014 2015 Total Operating Leases, Future Minimum Payments Due Other comprehensive income (loss), net of tax Other comprehensive (loss) income, net of tax Other Comprehensive Income (Loss), Net of Tax Tax effect Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net (Gain) Loss, Tax Reclassification adjustment for net loss transferred from held-to-maturity to available-for-sale, gross Amortization of actuarial (gains) losses included in net periodic pension cost, net Other Comprehensive (Income) Loss, Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net (Gain) Loss, Net of Tax Amortization of actuarial (gains) losses included in net periodic pension cost, gross Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), before Tax Tax effect Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Tax Reclassification adjustment for net gains included in net income, net Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, Net of Tax Reclassification adjustment for net gains included in net income, gross Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Tax effect Other Comprehensive Income (Loss), Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service (Cost) Credit, Tax Total Other comprehensive income/(loss) related to pension and other post retirement obligations, net of taxes Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax Amortization of prior service cost included in net periodic pension cost, gross Other Comprehensive (Income) Loss, Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service Cost (Credit), before Tax Amortization of prior service cost included in net periodic pension cost, net Other Comprehensive Income (Loss), Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service (Cost) Credit, Net of Tax Amounts recognized in AOCI, net of tax [Abstract] Other assets Other assets Other Assets Other Intangibles [Member] Other Intangibles [Member] Prior service cost Other Comprehensive (Income) Loss, Pension and Other Postretirement Benefit Plans, Net Prior Service Cost (Credit) Arising During Period, Net of Tax Net (gain) loss Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net Unamortized Gain (Loss) Arising During Period, Net of Tax Net unrealized holding (losses) gains arising during period, net Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Net of Tax Other operating expenses Tax effect Other Comprehensive Income (Loss), Transfers from Held-to-maturity to Available-for-Sale Securities, Tax Unrealized losses on derivative instruments, net Tax effect Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax Unrealized holding loss, net related to securities transferred from held-to-maturity to available-for-sale, gross Tax effect Net unrealized holding (losses) gains arising during period, gross Unrealized losses on derivative instruments used in cash flow hedging relationships, gross Other Debt Securities [Member] Other Debt Obligations [Member] Other expenses Other Supplemental disclosures of noncash financing and investing activities: Supplemental disclosures of noncash financing activities [Abstract] Other Noncash Investing and Financing Items [Abstract] Post-retirement Benefits [Member] Other Postretirement Benefit Plan, Defined Benefit [Member] Other securities, at cost Amortized Cost Other Investments and Securities, at Cost Accrued interest and other liabilities Other Assets [Member] Forward sales commitments [Member] Other Contract [Member] Other Liabilities [Member] Other real estate Unrealized gains on securities: Pension and other post retirement obligations: Derivative instruments used in cash flow hedging relationships: Other comprehensive (loss)/income related to unrealized (loss) gain on available-for-sale securities, net of taxes Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent Aged analysis of the company's past due loans by class Past Due Financing Receivables [Table Text Block] Pass [Member] Parent Company [Member] Proceeds from sale of investment securities Payments for (Proceeds from) Investments Early extinguishments costs Purchase of investment securities Payments to Acquire Investments Cash received for acquisitions, net of cash acquired of $291,990, $5,510, and $26,901, respectively Payments to Acquire Businesses, Net of Cash Acquired Purchases of available-for-sale investment securities Payments to Acquire Available-for-sale Securities Cash portion of purchase price Payments to Acquire Businesses, Gross Cash dividends paid Payments of Ordinary Dividends, Common Stock Purchases of premises and equipment Payments to Acquire Property, Plant, and Equipment Cash dividends paid Payments of Ordinary Dividends Capital contributions to subsidiaries Payments to Acquire Additional Interest in Subsidiaries Purchases of held-to-maturity investment securities Payments to Acquire Held-to-maturity Securities Purchases of other securities Payments to Acquire Other Investments Other liabilities Pension and Other Postretirement Defined Benefit Plans, Liabilities Pension Benefits [Member] Pension Plan, Defined Benefit [Member] BENEFIT PLANS Pension and Other Postretirement Benefits Disclosure [Text Block] Retirement Benefits Plan Asset Categories [Domain] Fair Value [Member] Preferred stock, par value (in dollars per share) Preferred stock $1.00 par value, 500,000 shares authorized, 0 shares issued Preferred stock, issued (in shares) Preferred stock, authorized (in shares) Repayments from subsidiaries, net Proceeds from (Repayments of) Related Party Debt Net change in borrowings, net of payments of $815,384, $220 and $25,938 Proceeds from (Repayments of) Debt Proceeds from maturities of available-for-sale investment securities Proceeds from maturities of held-to-maturity investment securities Issuance of common stock Common stock issuance Proceeds from sales of held-to-maturity investment securities Proceeds from sales of other securities Proceeds from Sale and Maturity of Other Investments Proceeds from sales of available-for-sale investment securities Legal and professional fees Estimated useful life Premises and equipment, Gross Property, Plant and Equipment, Gross Premises and Equipment Property, Plant and Equipment, Policy [Policy Text Block] Premises and equipment, net Premises and equipment, net Property, Plant and Equipment, Net PREMISES AND EQUIPMENT [Abstract] Premises and Equipment [Abstract] Premises and equipment Property, Plant and Equipment [Table Text Block] Property, Plant and Equipment, Type [Domain] Property, Plant and Equipment by Type [Axis] PREMISES AND EQUIPMENT Property, Plant and Equipment Disclosure [Text Block] Property, Plant and Equipment [Line Items] Provision for loan losses Provision for loan losses Provision Range [Axis] Range [Domain] Unrecognized tax benefits [Roll forward] REGULATORY MATTERS Regulatory Capital Requirements under Banking Regulations [Text Block] REGULATORY MATTERS [Abstract] Criteria for the bank to seek approval of the Office of the Comptroller of the Currency (OCC) for the payments dividends Regulatory Restrictions on Payment of Dividends Payment made on borrowings Consumer Mortgage [Member] Residential Mortgage [Member] Restricted Stock [Member] Cash and Cash Equivalents [Domain] LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES Restrictions on Dividends, Loans and Advances [Text Block] Statutory restrictions on the company's banking subsidiary to transfer funds Retained Earnings [Member] Retained earnings Revenue Recognition Total revenues Revenues Revenues [Abstract] Revenues [Abstract] Classified [Member] Substandard [Member] Options exercisable, Weighted-average Exercise Price (in dollars per share) Aggregate intrinsic value of exercisable stock options Weighted-average expected life Options outstanding, Weighted-average Exercise Price (in dollars per share) Weighted-average remaining contractual term of outstanding and exercisable stock options (in years) Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Remaining Contractual Term Weighted-average remaining contractual term of outstanding stock options (in years) Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Remaining Contractual Term Options outstanding, Weighted-average Remaining Life (years) Estimated aggregate amortization expense Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block] Mortgage banking and other services [Member] Sales [Member] Estimated fair value of assets acquired and liabilities assumed Schedule of Financing Receivable, Allowance for Credit Losses [Table] Summary of fair value measured on a recurring basis Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block] Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Long-term share-based incentive program stock activity Net periodic benefit cost Schedule of Net Benefit Costs [Table Text Block] Funded status of the plans reconciled with amounts reported in consolidated statement of condition. Cash flow information on investment securities Fair value of defined benefit plan assets Summary of valuation assumptions used to value stock options Provision for income taxes Outstanding borrowings Borrowings by maturity date Income tax rate reconciliation Components of the net deferred tax liability Unvested stock awards activity Schedule of Finite-Lived Intangible Assets [Table] Accumulated other comprehensive (income) loss into net periodic (income) cost over the next fiscal year Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year [Table Text Block] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Future minimum rental commitments Reconciliation of basic to diluted earnings per share Schedule of Earnings Per Share, Basic and Diluted [Table Text Block] Summary of investment securities that have been in a continuous unrealized loss position for less than or greater than twelve months Schedule of Unrealized Loss on Investments [Table Text Block] Gross carrying amount and accumulated amortization of identifiable intangible assets Schedule of Finite-Lived Intangible Assets [Table Text Block] Schedule of Business Acquisitions, by Acquisition [Table] Amount of expected benefit payments Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Capital ratios and amounts Schedule of Condensed Financial Statements [Table] Schedule of Defined Benefit Plans Disclosures [Table] Schedule of Defined Benefit Plans Disclosures [Table] Schedule of Fair Value, Off-balance Sheet Risks [Table] Components of goodwill Schedule of Goodwill [Table Text Block] Schedule of segment reporting information by segment Schedule of Segment Reporting Information, by Segment [Table Text Block] Schedule of Property, Plant and Equipment [Table] Changes in Mortgage servicing rights Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Schedule of Segment Reporting Information, by Segment [Table] Derivative Instruments Fair Value and Balance Sheet Location Schedule of Derivative Instruments in Statement of Financial Position, Fair Value [Table Text Block] Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Schedule of Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range [Table] Schedule of loans receivable, net Stock options outstanding and range of exercise price Derivative Instruments and Location of Net Gain or Loss In Statement of Income Derivative Instruments, Gain (Loss) [Table Text Block] Other Equity Securities [Abstract] Securities Owned and Other Investments Not Readily Marketable [Abstract] Information about reportable segments [Abstract] Segment Reporting Information, Additional Information [Abstract] Segment Reporting Information [Line Items] Segment [Domain] SEGMENT INFORMATION [Abstract] SEGMENT INFORMATION Segment Reporting Disclosure [Text Block] Fair value of MSRs at end of period Fair value of MSRs at end of period Weighted-average constant prepayment rate (CPR) (in hundredths) Amortization Servicing Asset at Amortized Cost, Amortization Mortgage Servicing Rights, Valuation Allowance Servicing Asset at Amortized Cost, Valuation Allowance Weighted-average discount rate (in hundredths) Servicing Asset at Fair Value, Amount [Roll Forward] Carrying value before valuation allowance at end of period Carrying value before valuation allowance at end of period Carrying value before valuation allowance at beginning of period Key economic assumptions used to estimate the value of the MSRs [Abstract] Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value [Abstract] Weighted-average contractual life Additions Weighted-average grant date fair value [Abstract] Restricted Shares [Roll Forward] Awards (in shares) Awards (in dollars per share) Granted (in dollars per share) Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price Forfeited (in dollars per share) Share-based Compensation Arrangements by Share-based Payment Award, Options, Forfeitures in Period, Weighted Average Exercise Price Unvested, beginning balance (in shares) Unvested, ending balance (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number Vestings (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period Stock-based compensation Share-based Compensation Options vesting period Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Unvested, beginning balance (in dollars per share) Unvested, ending balance (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Forfeitures (in dollars per share) Forfeitures (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period Exercised (in dollars per share) Share-based Compensation Arrangements by Share-based Payment Award, Options, Exercises in Period, Weighted Average Exercise Price Granted (in shares) Exercisable (in dollars per share) Fair value assumptions, method used Future dividend yield (in hundredths) Total fair value of shares vested Forfeited (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period Vestings (in dollars per share) Exercisable (in shares) Weighted-average exercise price of shares [Abstract] Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract] Number of shares available for grant (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant Total intrinsic value of options exercised Share price volatility (in hundredths) Shares of common stock authorized for stock-based compensation plan (in shares) Weighted-average risk-free interest rate (in hundredths) Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate Fair value assumptions and methodology [Abstract] Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions and Methodology [Abstract] Weighted-average fair value of options granted (in dollars per share) Outstanding, Ending Period (in dollars per share) Outstanding, Beginning Period (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price Stock-based Compensation Outstanding, Ending Period (in shares) Outstanding, Beginning Period (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items] Shares issued in connection with stock option exercise (in shares) Aggregate intrinsic value of outstanding stock options Share-based Compensation, Shares Authorized under Stock Option Plans, by Exercise Price Range [Axis] Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Domain] Options, Outstanding [Roll Forward] Share-based Compensation Arrangements by Share-based Payment Award, Award Type and Plan Name [Domain] Exercise price range, lower range limit (in dollars per share) Options [Abstract] Options outstanding, Shares (in shares) Options exercisable, Shares (in shares) Exercise price range, upper range limit (in dollars per share) SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Significant Accounting Policies [Text Block] Special Mention [Member] Standby Letters of Credit [Member] Statement [Table] Statement [Line Items] CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY [Abstract] CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract] Statement of Cash Flows [Abstract] Statement, Equity Components [Axis] CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract] CONSOLIDATED STATEMENTS OF CONDITION [Abstract] Statement of Financial Position [Abstract] Segments [Axis] Undivided profits legally available for the payments of dividends Stock issued for acquisition (in shares) Issuance of shares of common stock (in shares) Stock issued for acquisition Common stock issued under Employee stock plan, including tax benefits (in shares) Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures Number of common shares authorized to be repurchased (in shares) Exercised (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period Common stock issuance (in shares) Stock Issued During Period, Shares, New Issues Common stock issued under employee stock plan, including tax benefits Stock Issued During Period, Value, Share-based Compensation, Net of Forfeitures Common stock issuance Net proceeds from offerings Shareholders' equity: Shareholders' equity: Stockholders' Equity Attributable to Parent [Abstract] Total shareholders' equity Balance Balance Shareholders' equity Treasury Stock Reconciliation of unrecognized tax benefits Supplemental disclosures of cash flow information: Supplemental Cash Flow Elements [Abstract] Supplemental disclosures of cash flow information [Abstract] Supplemental Cash Flow Information [Abstract] Office supplies and postage Minimum Tier I capital to average assets to be well capitalized (in hundredths) Tier 1 capital to average assets (in hundredths) Tier One Leverage Capital to Average Assets Tier 1 Capital Tier One Risk Based Capital Tier 1 Capital Tier One Leverage Capital Tier 1 capital to risk-weighted assets (in hundredths) Tier One Risk Based Capital to Risk Weighted Assets Minimum Tier I capital to risk-weighted assets to be well capitalized (in hundredths) Minimum required amount Tier One Leverage Capital Required for Capital Adequacy Minimum required amount Tier One Risk Based Capital Required for Capital Adequacy Minimum Tier I capital to average assets for capital adequacy (in hundredths) Minimum Tier I capital to risk-weighted assets for capital adequacy (in hundredths) Tier 1 capital to average assets [Abstract] Tier 1 capital to risk-weighted assets [Abstract] 2018 Time Deposit Maturities, Year Five Time 2016 Time Deposit Maturities, Year Three Total Time Deposits, $100,000 or More Thereafter Time Deposit Maturities, after Year Five 2015 Time Deposit Maturities, Year Two 2014 Time Deposit Maturities, Next Twelve Months 2017 Time Deposit Maturities, Year Four Title of Individual with Relationship to Entity [Domain] Transfers from loans to other real estate Real Estate Owned, Transfer to Real Estate Owned Contract Amount, Off-balance Sheet Risks, Financial Instruments [Domain] Financial Instruments [Domain] Mortgage Servicing Rights Treasury stock, at cost (in shares) Treasury Stock [Member] Treasury stock, at cost (782,173 and 795,560 shares, respectively) Treasury Stock, Value Troubled debt restructurings on financing receivables Type of Deferred Compensation [Domain] Unallocated [Member] Unallocated Financing Receivables [Member] Net deferred loan origination costs Positions taken during the current year Settlements with taxing authorities Unrecognized Tax Benefits, Decrease Resulting from Settlements with Taxing Authorities Unrecognized tax benefits that would impact effective tax rate, if recognized Lapse of statutes of limitation Unrecognized Tax Benefits, Reduction Resulting from Lapse of Applicable Statute of Limitations Unrecognized tax benefits at beginning of year Unrecognized tax benefits at end of year Unrecognized Tax Benefits Critical Accounting Estimates in the Preparation of Financial Statements Obligations of State and Political Subdivisions [Member] US States and Political Subdivisions Debt Securities [Member] US Treasury Securities [Member] Government Securities [Member] U.S. Treasury and Agency Securities [Member] Impairment recoveries Impairment charges Valuation Allowance for Impairment of Recognized Servicing Assets, Provisions Valuation Allowance for Impairment of Recognized Servicing Assets [Roll Forward] Valuation allowance balance at end of period Valuation allowance balance at beginning of period Valuation Allowance for Impairment of Recognized Servicing Assets, Balance Weighted-average common shares outstanding - basic (in shares) Weighted-average common shares outstanding (in shares) Weighted-average shares - diluted (in shares) Weighted Average Number of Shares Outstanding, Diluted The gains (losses) included in earnings that represent the difference between the sale price and the carrying value of loans and leases and other assets that were sold during the reporting period. This element refers to the gain (loss) and not to the cash proceeds of the sales. This element is a adjustment to net income when calculating net cash generated by operating activities using the indirect method. Net gain on sale of loans and other assets Net loss (gain) on sale of loans and other assets The net amount (paid) or received by the reporting entity associated with origination of and repayments on loans receivable. Payments for (Proceeds from) Origination Loans Receivable Net change in loans The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. Includes the component of interest expense representing the noncash expenses charged against earnings in the period to allocate debt discount and premium, and the costs to issue debt and obtain financing over the related debt instruments. Net Amortization Accretion Of Premiums Discounts On Securities Loans And Borrowings Net accretion of premiums & discounts on securities, loans and borrowings Value transfer of investment securities from held-to-maturity to available-for-sale in the entity's portfolio in noncash transactions. Transfer of investment securities from held-to-maturity to available-for-sale Transfer of investment securities from held-to-maturity to available-for-sale The net cash inflow or outflow related to the increase (decrease) during the period of non-time deposits balances. Net change in noninterest checking, checking, and savings accounts Net change in noninterest checking, checking, and savings accounts Accumulated Other Comprehensive Income By Component: [Abstract] Accumulated Other Comprehensive Income By Component: Gross gain (loss) on derivative instruments designated and qualifying as the effective portion of cash flow hedges. Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Gross Unrealized losses on derivative instruments used in cash flow hedging relationships Accumulated appreciation or loss, in value of the total of available-for-sale securities at the end of an accounting period, before tax. Accumulated Other Comprehensive Income (Loss), Available For Sale Securities Adjustment, Gross Unrealized (loss) gain on available-for-sale securities The tax effect of accumulated appreciation or loss in value of the total of available-for-sale securities at the end of an accounting period. Accumulated Other Comprehensive Income (Loss), Available For Sale Securities Adjustment, Tax Effect Tax effect The gross gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost. Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Gross of Tax Unrealized loss for pension and other postretirement obligations The tax effect of gross gains and losses from derivative instruments designated and qualifying as the effective portion of cash flow hedges. Includes an entity's share of an equity investee's Increase or Decrease in deferred hedging gains or losses. Accumulated Other Comprehensive Income (Loss), Cumulative Changes in Net Gain (Loss) from Cash Flow Hedges, Tax Effect Tax effect Gains and losses from derivative instruments, net of taxes, designated and qualifying as the effective portion of cash flow hedges. Includes an entity's share of an equity investee's Increase or Decrease in deferred hedging gains or losses. Accumulated Other Comprehensive Income Loss Cumulative Changes In Gain Loss From Cash Flow Hedges Effect Net Of Tax Net unrealized losses on derivative instruments used in cash flow hedging relationships The tax effect of gross gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost. Accumulated Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax Effect Tax effect Total outstanding borrowings [Abstract] The number of unconsolidated subsidiary trust created for the issuance of debt. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets and was initially scheduled to be repaid after one year or beyond the normal operating cycle if longer. Number of wholly owned, unconsolidated subsidiary trusts Borrowings by contractual maturity date [Abstract] The original maturity term of the identified derivative at the date of inception. Derivative, Original Maturity Agreement Term Interest rate swap agreement term (in years) The description of the call price imbedded in the callable debt feature. Debt Instrument, Call Price Current call price This element represents subordinated debt owed to unconsolidated subsidiary trusts as of the balance sheet date. Such debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets. Subordinated Debt Held By Unconsolidated Subsidiary Trust [Member] A commercial loan sold to a third party with recourse provisions that would enable the buyer to recover from seller any of the amounts paid. Commercial Loan Sold With Recourse [Member] This element represents preferred debt. Preferred Debt [Member] Represents preferred debt owed to an unconsolidated subsidiary trust. Community Capital Trust IV [Member] Represents preferred debt owed to an unconsolidated subsidiary trust. Community Statutory Trust III [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. October 11, 2016 Number 2 [Member] Represents a specific tranche of capital leases with a specified due date. January 2, 2014 [Member] January 2, 2014 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. August 8, 2016 [Member] Represents subordinated debt owed to a subsidiary capital trust. July 31, 2031 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. July 31, 2017 Number 1 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. December 21, 2017 Number 2 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. December 21, 2017 Number 1 [Member] Represents a specific tranche of capital leases with a specified due date. April 1, 2013 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. January 25, 2018 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. October 11, 2016 Number 1 [Member] Represents subordinated debt owed to a subsidiary capital trust. December 15, 2036 [Member] Represents a specific tranche of capital leases with a specified due date. February 1, 2015 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. November 10, 2015 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. July 31, 2017 Number 3 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. October 14, 2015 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date. January 17, 2013 [Member] January 17, 2013 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. January 27, 2016 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. June 22, 2015 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. July 31, 2017 Number 2 [Member] Represents a specific tranche of Federal Home Loan Advances with a specified due date and a callable feature. May 19, 2016 [Member] Borrowings from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and also in times of liquidity shortages. The member institution executes a promissory note, which is generally collateralized by government securities to the Federal Reserve or loans. Federal Home Loan Bank overnight advance [Member] Amount of proceeds from the sale of investment securities that were used to payoff borrowing balances. Proceeds From Sale Of Investment Securities Used To Payoff Borrowings Debt retirement Intangible assets, net of accumulated amortization, related to bank deposits belonging to an acquired bank that can be counted on as a stable source of lending funds, net of accumulated amortization. These deposits have the following attributes: predictable costs and low sensitivity to interest rates. This intangible asset is usually amortized over its estimated useful life. Core Deposit Intangibles Net Core deposit intangibles, net The carrying amount, net of accumulated amortization as of the balance sheet date of intangible assets not otherwise specified in the taxonomy having a reasonably expected period of economic benefit. Other Finite Lived Intangible Assets Net Other intangibles, net The aggregate sum of net carrying value of a major finite-lived intangible asset class and goodwill, less accumulated amortization and any impairment charges. Intangible assets, net Intangible assets, net A loan is impaired when it is not likely the lender will collect the full value of the loan because the creditworthiness of a borrower has fallen. Impaired Loans [Member] This category includes information about investments in pooled trust preferred securities held by the entity. Pooled Trust Preferred Securities [Member] Fair value of commitments to borrowers or third party investors for the origination and sale of real estate loans. Real Estate Loan Origination and Sale Commitments [Member] Commitments to Originate Real Estate Loans for Sale [Member] Level3 Assets Measured At Fair Value On Recurring Basis [Abstract] Level 3 Assets Measured at Fair Value on a Recurring Basis [Abstract] Commitments to borrowers or third party investors for the origination of real estate loans for sale. classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing. Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Loan Origination Commitments Real Estate Commitments to originate real estate loans held for sale, net Components of goodwill [Abstract] Components of goodwill [Abstract] Mortgage servicing rights [Abstract] Escrow deposits related to loans serviced for others. Custodial escrow balances maintained in connection with loans serviced for others Amortized carrying amount (balance) as of the balance sheet date of an asset representing net future revenues from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements. Servicing Asset at Amortized Cost Net Net carrying value at end of period Outstanding balance of underlying mortgage loans serviced for others. Mortgage Loans Serviced For Others Principal balance of loans serviced for others Capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. Mortgage Servicing Rights [Member] Mortgage Servicing Rights [Member] Tabular disclosure of the key economic assumptions used to estimate the fair value of mortgage servicing rights. Table of key economic assumptions used to estimate fair value of MSRs [Table Text Block] Table of key economic assumptions used to estimate fair value of MSRs The amount of impairment expense charged to loans categorized as impaired. Impaired Loans Valuation Allowance The maximum discount on the appraisal value of foreclosed real estate. Discount On Appraisal Value Of Foreclosed Real Estate Maximum In Hundredths Discount on appraisal value of foreclosed real estate, maximum (in hundredths) Represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Element may be used with the fair value disclosures required in the footnote disclosures to the financial statements, and used in the balance sheet and disclosure in the same submission. Represents marketable equity securities categorized as available-for-sale. Available For Sale Marketable Equity Securities Fair Value Disclosure Marketable equity securities Debt securities issued by US Treasury and US Government Agencies. Available For Sale Securities Us Treasury And Agency Securities Fair Value Disclosure U.S. Treasury and agency securities This is the amount of impaired loans carried at fair value. Impaired Loans Fair Value Disclosure Impaired loans This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents obligations of state and political subdivisions. Available For Sale State And Municipal Government Obligations Fair Value Disclosure Obligations of state and political subdivisions Represents the portion of the balance sheet assertion valued at fair value by the entity whether presented as a separate caption or as a parenthetical disclosure. Element may be used in connection with balance sheet and the fair value disclosures required in the footnote disclosures to the financial statements in the same submission. This item represents securitized debt securities collateralized by real estate mortgage loans which have been categorized as available-for-sale. Available For Sale Government Agency Collateralized Mortgage Obligations Fair Value Disclosure Government agency collateralized mortgage obligations The minimum discount on the appraisal value of foreclosed real estate. Discount On Appraisal Value Of Foreclosed Real Estate Minimum In Hundredths Discount on appraisal value of foreclosed real estate, minimum (in hundredths) Represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements and in balance sheet in the same submission. Represents the fair value of other real estate owned. Other Real Estate Owned Fair Value Disclosure Other real estate owned Represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements and in balance sheet in the same submission. Represents the fair value of mortgage servicing rights. Represents the fair value of mortgage servicing rights. Mortgage Servicing Rights Fair Value Disclosure Mortgage servicing rights This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents pooled trust preferred securities. Available For Sales Pooled Trust Preferred Securities Fair Value Disclosure Pooled trust preferred securities This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents debt securities issued by corporations. Available For Sale Corporate Debt Securities Fair Value Disclosure Corporate debt securities Represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. This item represents debt securities backed by real estate mortgage loans issued by government agencies like FNMA, FHLMC, FHLB and GNMA which have been categorized as available-for-sale. Available For Sale Government Agency Mortgage Backed Securities Fair Value Disclosure Government agency mortgage-backed securities The fair value of commitments for future sales to third party investors. Forward Sales Commitments Fair Value Disclosure Forward sales commitments The fair value of commitments to borrowers for the origination of real estate loans for sale. Loan Origination Commitments Real Estate Fair Value Disclosure Commitments to originate real estate loans for sale Impaired and Other Nonaccrual Loans [Abstract] Advertising [Abstract] The number of days according to the entity's policy that a loan must be past due before being placed on nonaccrual status. Number Of Days Past Due For Loans To Be Placed On Nonaccrual Status Number of days past due for loans to be placed on nonaccrual status The threshold amount of commercial loans which are individually evaluated for impairment. Threshold Amount Of Individual Commercial Loans Evaluated For Impairment Threshold amount of individual commercial loans evaluated for impairment Nature of Operations [Abstract] The number of customer locations or branches operated by the bank. Number Of Customer Facilities Number of bank branches The number of counties where the bank operates or has branches in Pennsylvania. Number Of Counties In Pennsylvania Where Bank Has Facilities Number of counties in Pennsylvania where the bank has facilities The number of counties where the bank operates or has branches in New York. Number Of Counties Bank Has Facilities Number of counties in New York where the bank has facilities Capitalized costs of purchased hardware and software applications. Software and Hardware [Member] Stock Repurchase Program [Abstract] Stock Repurchase Program [Abstract] Net income after adjustment for unvested stock-based comp awards. Net Income Loss Available To Common Stockholders Net Unvested Stock Based Comp Awards Basic Income available to common shareholders Fair value significant unobservable inputs which were evaluated by constant prepayment input, the minimum range. Fair Value Significant Unobservable Inputs Constant Prepayment Input Range Minimum Constant Prepayment Input Range Minimum (in hundredths) The inputs and valuation techniques used to measure fair value and a discussion of changes in valuation techniques and related inputs, if any, during the period. Fair Value Assets, Mortgage Servicing Rights, Valuation Techniques Mortgage Servicing Rights, Valuation Techniques Fair value significant unobservable inputs which were evaluated by adequate compensation input. Fair Value Significant Unobservable Inputs Adequate Compensation Input Range Adequate Compensation Input Range The minimum value of the range of discount rates used in determining the fair value. Fair Value Significant Unobservable Inputs Spread over market curve Range Minimum Weighted average discount rate Minimum (in hundredths) The inputs and valuation techniques used to measure fair value and a discussion of changes in valuation techniques and related inputs, if any, during the period. Fair Value Assets, Other Real Estate Owned, Valuation Techniques Other Real Estate Owned, Valuation Techniques The maximum stated percentage of inputs used to calculate the fair value of assets. Fair Value Assets, Significant Unobservable Input Range, Maximum Significant Unobservable Input Range, Maximum (in hundredths) Fair value significant unobservable inputs which were evaluated by constant prepayment input, weighted average percentage. Fair Value Significant Unobservable Inputs Constant Prepayment Input Range Weighted Average Constant Prepayment Input Range Weighted Average (in hundredths) Fair value significant unobservable inputs which were evaluated by constant prepayment input, the maximum range. Fair Value Significant Unobservable Inputs Constant Prepayment Input Range Maximum Constant Prepayment Input Range Maximum (in hundredths) The description of the unobservable input used to develop the valuation used to develop the inputs for fair value measurement. Fair Value Assets, Significant Unobservable Inputs, Inputs Description Significant Unobservable Inputs, Inputs Description The weighted average stated percentage of inputs used to calculate the fair value of assets. Fair Value Assets, Significant Unobservable Inputs, Weighted Average Fair Value Significant Unobservable Input Range, Weighted Average (in hundredths) Other real estate owned asset. Other Real Estate Owned [Member] The inputs and valuation techniques used to measure fair value and a discussion of changes in valuation techniques and related inputs, if any, during the period. Fair Value Assets Impaired Loans Valuation Techniques Impaired Loans, Valuation Techniques The weighted average of discount rates used in determining the fair value. Fair Value Significant Unobservable Inputs Spread over market curve Weighted Average Weighted average discount rate Weighted Average (in hundredths) The minimum stated percentage of inputs used to calculate the fair value of assets. Fair Value Assets, Significant Unobservable Input Range, Minimum Significant Unobservable Input Range, Minimum (in hundredths) The inputs and valuation techniques used to measure fair value and a discussion of changes in valuation techniques and related inputs, if any, during the period. Fair Value Assets, Pooled Trust Preferred Securities, Valuation Techniques Pooled Trust Preferred Securities, Valuation Techniques The maximum value of the range of discount rates used in determining the fair value. Fair Value Significant Unobservable Inputs Spread over market curve Maximum Weighted average discount rate Maximum (in hundredths) Derivative instrument whose primary underlying risk that is commitments to originate real estate loans for sale. Commitments To Originate Real Estate Loans For Sale [Member] Commitments to originate real estate loans for sale [Member] A revolving, open-end loan extended under a line of credit or installment loans and secured by the borrower's residential property. Home Equity Receivables [Member] Home Equity [Member] Amounts receivable from issuing a installment loans to individuals that allows someone to make a purchase on borrowed money. Consumer Installment Direct [Member] Consumer Direct [Member] Amounts receivable from issuing a installment loans to individuals through dealerships and secured by auto, marine or other recreational vehicles. Consumer Installment Indirect [Member] Consumer Indirect [Member] Loans acquired after January 1, 2009 that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the company will be unable to collect all contractually required payments. Acquired Impaired [Member] Acquired Impaired [Member] The recorded investment related to impaired financing receivables that have no specific allowance for credit losses. Impaired Financing Receivable With No Allowance Loans without reserve The recorded investment related to impaired financing receivables that have a specific allowance for credit losses. Impaired Financing Receivable With Allowance Loans with reserve The tax on net gain (loss) on prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost. Accumulated Other Comprehensive Income Loss Defined Benefit Pension And Other Postretirement Plans Tax Taxes Type of benefit plans with individuals. Benefits plans with Individual [Axis] Defined benefit pension plans, other postretirement defined benefit plans, or supplemental retirement plans that are not otherwise specified in the taxonomy. Unfunded Stock Balance [Member] Defined benefit pension plans, other postretirement defined benefit plans, or supplemental retirement plans that are not otherwise specified in the taxonomy. Unfunded Supplementary Pension Plans [Member] A person serving on the board of directors (who collectively have responsibility for determining the overall policy of the entity and appointing officers) generally elected by the shareholders. Nonemployee Directors [Member] A schedule of the weighted-average assumptions used to determine benefit obligations for defined benefit pension and other postretirement plans. Weighted Average Assumptions Used To Determine Benefit Obligations [Table Text Block] Weighted-average assumptions used to determine benefit obligations A schedule of the weighted-average assumptions used to determine net periodic benefit costs. Weighted Average Assumptions Used To Determine Net Periodic Pension Cost [Table Text Block] Weighted-average assumptions used to determine net periodic pension cost A schedule of after tax amounts recognized in accumulated other comprehensive loss (income). After Tax Amounts Recognized In Accumulated Other Comprehensive Loss Income [Text Block] After tax amounts recognized in accumulated other comprehensive income (loss) Represents the net income of the parent before the financial impact of undistributed earnings of subsidiary. Income before equity in undistributed net income (loss) of subsidiaries (Loss) Income before equity in undistributed net income of subsidiaries This element represents disclosure of the revenue from aggregate cash dividends paid to the entity by subsidiaries. Cash Dividends Paid To Parent Company By Subsidiaries Dividends from subsidiaries The total interest and other noninterest expenses that was charged against earnings during the period. Total Interest and Other expenses Total expenses Amount of Business Lending Loans by Credit Quality Category [Abstract] Loans purchased or acquired in a business combination after January 1, 2009. Acquired Loans [Member] Loans not purchased or acquired in a business combination after January 1, 2009. Legacy Loan [Member] Financing arrangement that represents a contractual right to receive money either on demand or on fixed or determinable dates that is less than 90 day overdue in regards to payments. Performing Financing Receivable 1 [Member] Performing [Member] Loans acquired after January 1, 2009 that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the company will be unable to collect all contractually required payments. Purchased Impaired [Member] Acquired Impaired [Member] Recorded investment in financing by type of financing receivables. Financing Receivable, Recorded Investment, by Type of Financing Receivable [Axis] Recorded investment in financing receivables by class of financing receivables. Financing Receivable, Recorded Investment, by Class of Financing Receivable 2 [Axis] Financing Receivable, Recorded Investment, by Second Class of Financing Receivable [Axis] Financing arrangement that represents a contractual right to receive money either on demand or on fixed or determinable dates that is 90 days or more overdue in regards to payments. Nonperforming Financing Receivable1 [Member] Nonperforming [Member] Listing of the classes of financing receivables. Classes of financing receivables generally are a disaggregation of a portfolio segment. Financing Receivable, Recorded Investment, Class of Financing Receivable 2 [Domain] Financing Receivable, Recorded Investment, Second Class of Financing Receivable [Domain] All loans excluding business lending loans. Excluding Business Lending Loans [Member] All Other Loan [Member] Listing of the classes of financing receivables generally are a different disaggregation of a portfolio segment not disclosed elsewhere. Financing Receivable, Recorded Investment, Type of Financing Receivable [Domain] A single bank holding company incorporated in 1983, and owns wholly-owned subsidiaries and unconsolidated business trusts. Company [Member] Community Bank System, Inc [Member] A wholly-owned subsidiary of the bank holding company. Bank [Member] Community Bank, N.A. [Member] Assumptions [Abstract] The additional number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested). Additional Shares Of Common Stock Authorized For Stock Based Compensation Plan Additional shares of common stock authorized for stock-based compensation plan ( in shares) Information on outstanding and exercisable share awards by range of exercise prices. Range of Exercise Price C [Member] $23.001 - $28.00 [Member] Information on outstanding and exercisable share awards by range of exercise prices. Range of Exercise Price A [Member] $0.00 - $18.00 [Member] Information on outstanding and exercisable share awards by range of exercise prices. Range of Exercise Price B [Member] $18.001 - $23.00 [Member] Information on outstanding and exercisable share awards by range of exercise prices. Range Of Exercise Price D [Member] $28.001 - $29.00 [Member] Term of options under share based compensation arrangements, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Share based Compensation Arrangement Term of Options Term of options Information on outstanding and exercisable share awards by range of exercise prices. Range Of Exercise Price E [Member] $29.001 - $30.00 [Member] The scheduled maturities of time deposits of denominations greater than $100,000 held by a banking institution. Maturities Of Time Deposits100000 Or More [Table Text Block] Maturities of time deposits in denominations of $100,000 and greater Tabular disclosure of the components of deposit liabilities. Deposits [Table Text Block] Deposits Disclosure of accounting policy regarding nature of operations of the entity. Nature Of Operations [Policy Text Block] Nature of Operations Disclosure of accounting policy for risks and uncertainties in the preparation of financial statements in conformity with generally accepted accounting principles. Risk and Uncertainties [Policy Text Block] Risk and Uncertainties Classifications in the current financial statements may be different from classifications in the prior year's financial statements. Disclose any material changes in classification including an explanation of the reason for the change and the areas impacted. Reclassifications [Policy Text Block] Reclassifications Disclosure of accounting policy for loans acquired after January 1, 2009. Acquired Loans [Policy Text Block] Acquired Loans Disclosure of accounting policy for assets held in a fiduciary or agency capacity as well as fees earned thereon. Fiduciary Or Agency Asset [Policy Text Block] Assets Under Management or Administration This category includes information about investments in securities which are not otherwise provided for in the existing taxonomy in the form of Domain Members or individual elements. Other Securities [Member] The amount of unrealized loss recorded in accumulated other comprehensive income related to investment securities transferred from held-to-maturity to available-for-sale. Unrealized Loss Related To Securities Transferred From Held To Maturity To Available For Sale Held-to-maturity transferred to available-for-sale, unrealized losses This item represents the aggregate fair value of other investments and securities that are not recorded at fair value and are not accounted for under equity method as of the balance sheet date. Other Investments And Securities At Fair Value Estimated Fair Value This item represents mortgage backed securities, at cost basis, categorized neither as held-to-maturity nor trading securities, without a single maturity date and which the Company has decided to disclose separately rather than allocating such cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings, and fair value hedge accounting adjustments, if any, over several maturity groupings. Available For Sale Securities Mortgage Backed Securities Debt Maturities Without Single Maturity Date Amortized Cost Available-for-sale government agency mortgage-backed securities, amortized cost, without a single maturity date This item represents the subtotal of all debt securities grouped by maturity dates, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are classified neither as held-to-maturity nor trading securities. Available For Sale Securities Debt Maturities Amortized Cost Subtotal Available-for-sale Securities, Amortized Cost, with a single maturity date, Subtotal This item represents collateralized mortgage obligations, at cost basis, categorized neither as held-to-maturity nor trading securities, which do not have a single maturity date and which the Company has decided to disclose separately rather than allocating such cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings, and fair value hedge accounting adjustments, if any, over several maturity groupings. Available For Sale Securities Collateralized Mortgage Obligations Debt Maturities Without Single Maturity Date Amortized Cost Available-for-sale government agency collateralized mortgage obligations, amortized cost, without a single maturity date This item represents the gross profit realized on the sale of debt securities categorized as available-for-sale sold due to balance sheet restructuring activity. Realized Gains Due to Balance Sheet Restructuring Gains on investment securities sold due to balance sheet restructuring The cash inflow associated with the sale of US Treasury and agencies debt investment securities in the period, primarily to prepay debt. US Treasury and Agencies Securities Sold To Prepay Debt U.S. Treasury and agency securities sold due to balance sheet restructuring Book value of investment securities classified as held-to-maturity securities transferred to available-for-sale classification. Held-to-maturity book value transferred to available-for-sale Held-to-maturity transferred to available-for-sale, book value This item represents the gross profit realized on the sale of debt securities categorized as held-to-maturity. Held-to-maturity, realized gains Held-to-maturity, realized gains Book value of US Treasury investment securities classified as held-to-maturity sold. Held To Maturity Securities Sold Book Value U.S. Treasury securities held-to-maturity sales, book value The realized loss on pooled trust preferred class A-1 securities. Pooled Trust Preferred Class1A Securities Realized Loss Pooled trust preferred, class A-1 securities, realized loss Amount of accumulated pre-tax unrealized loss before deducting pre-tax unrealized gain on investments in available-for-sale debt securities impacting investments. Available For Sale Securities Gross Unrealized Loss Accumulated In Investments Gross Unrealized Losses Amount of accumulated pre-tax unrealized gains before deducting pre-tax unrealized losses on investments in available-for-sale securities impacting investments. Available For Sale Securities Gross Unrealized Gain Accumulated In Investments Gross Unrealized Gains This item represents the subtotal of all debt securities grouped by maturity dates, fair value which are classified neither as held-to-maturity nor trading securities, excluding government agency securities and obligations. Available for sale Securities Fair Value Net Government Securities Available-for-sale Securities, Fair Value, Subtotal This item represents the fair value of collateralized mortgage obligations, categorized neither as held-to-maturity nor trading securities, which do not have a single maturity date and which the Company has decided to disclose separately, rather than allocating such cost over several maturity groupings. Available For Sale Collateralized Mortgage Obligation Debt Maturities Without Single Maturity Date Amortized Cost Available-for-sale government agency collateralized mortgage obligations, fair value, without single maturity date This item represents the excess of fair value over amortized cost basis of securities in a gain position and which are categorized as held-to-maturity. Held To Maturity Securities Accumulated Unrecognized Holding Gain Gross Unrealized Gains Available For Sale Securities In Unrealized Loss Positions, Number Of Positions [Abstract] Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract] Disclosure regarding factors used to determine that the impairment of securities not categorized as either held-to-maturity securities or trading securities (hence equal to available for sale securities) where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the available-for-sale investments determined to be temporarily impaired for less than 12 months. Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions This category includes information about investments in equity securities which are not otherwise provided for in the existing taxonomy in the form of Domain Members or individual elements. Other Equity Securities [Member] This category includes information about ownership interests or the right to acquire ownership interests in corporations and other legal entities which ownership interest is represented by shares of common or preferred stock (which is neither mandatorily redeemable no redeemable at the option of the holder), convertible securities, stock rights, or stock warrants and categorized as available-for-sale. Marketable Equity Security [Member] Federal reserve bank stock. Federal Reserve Bank Stock [Member] Federal Reserve Bank Common Stock [Member] The category includes multiclass, pay-through securitizations collateralized by mortgages secured by assets and guaranteed by a US agency, such as automobiles and boats, which are generally structured so that the collections of principal and interest due from the underlying debtors are paid to the holders of the CMO. Government Agency Collateralized Mortgage Obligations [Member] This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized as held-to-maturity. Held To Maturity Securities Accumulated Unrecognized Holding Loss Gross Unrealized Losses Disclosure regarding factors used to determine that the impairment of securities not categorized as either held-to-maturity securities or trading securities (hence equal to available for sale securities) where cost exceeds fair value is not an other than temporary impairment (OTTI). This item contains disclosure of the number of investment positions in the available-for-sale investments determined to be temporarily impaired for 12 months or longer. Available For Sale Securities In Unrealized Loss Positions 12 Months or Longer Qualitative Disclosure Number Of Positions Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions This item represents the fair value of mortgage backed securities, categorized neither as held-to-maturity nor trading securities, which do not have a single maturity date and which the Company has decided to disclose separately, rather than allocating such cost over several maturity groupings. Available For Sale Mortgage Backed Securities Debt Maturities Without Single Maturity Date Amortized Cost Available-for-sale government agency mortgage-backed securities, fair value, without single maturity date The cash inflow associated with the aggregate amount received by the entity through sale or maturity of mortgage-backed securities and CMO's during the period. Proceeds from the maturities of mortgage backed securities and CMO's The cash outflow associated with the aggregate amount received by the entity through sale or maturity of mortgage-backed securities and CMO's during the period. Purchases of mortgage backed securities and CMO's Long lived structure used to provide banking services. Bank Premises Owned [Member] Bank Premises [Member] Tangible personal property, nonconsumable in nature, with finite lives used to produce goods and services as well as capitalized costs to complete a long lived asset, and assets that are not ready to be placed into service. Equipment and Construction in Progress [Member] Tabular disclosure of the condensed statement of cash flow using the registrant (parent) as the sole domain member. Condensed Statement of cash flows of the parent company [Table Text Block] Statement of cash flows of the parent company Tabular disclosure of the condensed statement of income using the registrant (parent) as the sole domain member. Condensed statement of income of parent company [Table Text Block] Condensed statement of income of parent company Tabular disclosure of the condensed balance sheet using the registrant (parent) as the sole domain member. Condensed balance sheet of the parent company [Table Text Block] Condensed balance sheet of the parent company Tabular disclosure of business lending financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. Business Lending Financing Receivable Credit Quality Indicators [Table Text Block] Schedule of business lending loans by credit quality category Tabular disclosure of changes to the aggregate cash flows related to loans expected to be collected over the investor's initial investment in the loan. This relates to loans with deteriorating of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Schedule of accretable discount related to credit impaired acquired loans [Table Text Block] Schedule of accretable discount related to credit impaired acquired loans Tabular disclosure of non-business lending financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. Non Business Lending Financing Receivable Credit Quality Indicators [Table Text Block] Schedule of loans by credit quality indicator Tabular disclosure of outstanding principal balance and the related carrying amount of acquired loans. Schedule Of Outstanding Principal Balance Related Carrying Amount Of Acquired Loans [Text Block] Outstanding principal balance and related carrying amount of acquired loans A tabular disclosure of related party transactions. Disclosure may include: the nature of the relationship(s), a description of the transactions, the amount of the transactions, the effects of any change in the method of establishing the terms of the transaction from the previous period, stated interest rate, expiration date, terms and manner of settlement per the agreement with the related party, revenues and expenses from related party transactions and amounts due to or from related parties. Schedule Of Related Party Transactions By Related Party [Table Text Block] Summary of aggregate amounts loaned to related parties of the company The face amount of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition. Face Value Disclosure Off balance Sheet Risks Face Amount Liability Face Value Disclosure Off-balance Sheet Risks Face Amount Liability States the total dollar amount of advances or credit lines available as of the Balance Sheet date from the Federal Reserve Bank system. Federal Reserve Bank Advances General Debt Obligations Disclosures Amount Of Available Unused Funds Federal Reserve Bank unused borrowing capacity Amount required by Federal Reserve Bank of New York to be maintained and on deposit with the bank. Federal Reserve Required Reserve Deposit Required deposit with Federal Reserve Bank of New York Amount required by Federal Reserve Bank of New York to be maintained during the 14-day maintenance period. Federal Reserve required average total reserve Federal Reserve required average total reserve Nonqualified deferred compensation arrangements [Abstract] Employee stock ownership plan Employee Stock Ownership Plan 401K Plan [Member] Bank that was acquired in the acquisition of its parent, TLNB Financial Corporation. Tupper Lake National Bank [Member] The percentage of matching contribution. Percentage of matching contribution in the form of common stock Percentage of matching contribution in the form of common stock (in hundredths) The assumed health care cost trend rate for participants older than 65 used to measure the expected cost of benefits covered by the plan (gross eligible charges). This is based upon the annual rate of change in the cost of health care benefits currently provided by the postretirement benefit plan, due to factors other than changes in the composition of the plan population by age and dependency status. Assumed health care cost trend rate for participants older than 65 Assumed health care cost trend rate for medical cost for participants older than 65 (in hundredths) The assumed health care cost trend rate for prescription drugs used to measure the expected cost of benefits covered by the plan (gross eligible charges). This is based upon the annual rate of change in the cost of health care benefits currently provided by the postretirement benefit plan, due to factors other than changes in the composition of the plan population by age and dependency status. Assumed health care cost trend rate for prescription drugs Assumed health care cost trend rate for prescription drugs (in hundredths) Employee Stock Ownership Plan 401(K) [Abstract] 401(k) Employee Stock Ownership Plan [Abstract] The maximum percentage of contribution made by employees from eligible compensation. Contribution from eligible compensation, maximum Contribution from eligible compensation, maximum (in hundredths) The percentage of the plan's projected benefit obligation funded by plan's assets at the measurement date. Defined Benefit Plan, Percentage Plan Funded Defined Benefit Plan, Minimum Percentage Plan Funded (in hundredths) Represents the total of interest and dividend receivable, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein. Total dividends and interest receivable excluded from plan assets Total dividends and interest receivable excluded from plan assets The minimum percentage of contribution made by employees from eligible compensation. Contribution from eligible compensation, minimum Contribution from eligible compensation, minimum (in hundredths) The amount of the interest credit contribution expense recognized during the period for defined contribution plans. Defined Contribution Plan Interest Credit Contribution Expensed Recognized Interest credit contribution expense recognized for 401(k) plan Deferred compensation plan that provide pension or other postretirement benefits to individual employees or their beneficiaries. The arrangements are generally based on employment contracts between the entity and one or more selected officers or key employees, and contain a promise by the employer to pay certain amounts or benefits at designated future dates, upon compliance with stipulated requirements. Deferred Compensation Plan [Member] The percentage of compensation eligible for full matching contribution by employer. Percentage of first eligible compensation matched fully by employer Percentage of first eligible compensation fully matched by employer (in hundredths) The assumed health care cost trend rate for participants younger than 65 used to measure the expected cost of benefits covered by the plan (gross eligible charges). This is based upon the annual rate of change in the cost of health care benefits currently provided by the postretirement benefit plan, due to factors other than changes in the composition of the plan population by age and dependency status. Assumed health care cost trend rate for participants younger than 65 Assumed health care cost trend rate for medical costs for participants younger than 65 (in hundredths) Reflects the pertinent provisions pertaining to other deferred compensation arrangement with personal, by individual. Other Deferred Compensation Arrangement [Member] Percentage of the matching contributions for the next eligible compensation. Percentage of matching contributions for the next eligible compensation Percentage of matching contributions for the next eligible compensation in the form of company stock (in hundredths) The percentage of the next eligible compensation matched at 50% by employer. Percentage of the next eligible compensation matched at 50% by employer Percentage of the next eligible compensation matched at 50% by employer (in hundredths) The maximum percentage of portfolio that can be invested in company's stock. Maximum Percentage Of Total Portfolio Invested In Company Stock Maximum percentage of portfolio invested in company stock (in hundredths) Target allowed allocation for alternative investments to total plan assets presented on a weighted average basis. Defined Benefit Plan, Target Plan Asset Allocations Alternative Investments Maximum percentage of alternative investments authorized to be purchased (in hundredths) Type of investments, which obligates the borrower/issuer to make payments on a fixed schedule. Fixed Income [Member] A high paying bond with a lower credit rating than investment-grade corporate bonds, Treasury bonds and municipal bonds. Because of the higher risk of default, these bonds pay a higher yield than investment grade bonds. High Yield [Member] Type of equity security. International [Member] Companies with market capitalization value of more than $10 billion. U S Large Cap [Member] U.S Large-Cap [Member] Other type of investments not listed in the taxonomy. Other Type Of Investments [Member] Other Type of Investments [Member] Other type of investments. Alternative Investments [Member] Type of equity security. CBSI Stock [Member] Bonds with relatively low risk of default. Investment Grade Bonds [Member] Type of equity securities. Global [Member] Type of equity securities. Commodities [Member] Companies with market capitalization of the range of $250 million to $5 billion. U.S Mid/Small Cap [Member] Multiemployer tax qualified defined benefit pension plan for financial institutions. Pentegra DB Plan [Member] Bonds with relatively low risk of default. Investment Bonds [Member] Investment Bonds [Member] Fee income charged during the period for trust, investment and asset management services. Trust, investment and asset management fees Wealth management services Revenues pertaining to bank-related activities not specified elsewhere. Other banking services Other banking services Revenues related to employee benefit services. Employee Benefit Services Employee Benefit Services Changes related to: [Abstract] Changes related to: [Abstract] The amount as of the balance sheet date of the estimated future tax effects arising from prepaid Federal Deposit Insurance Corporation will increase future taxable income when such gain is realized. Deferred Tax Liabilities, Prepaid FDIC Insurance Prepaid FDIC insurance The amount as of the balance sheet date of the estimated future tax effects arising from unrealized gains on investments in debt and equity securities categorized as investing which will increase future taxable income when such gain is realized. Deferred Tax Liabilities Unrealized Gains on Investment securities Investment securities The amount as of the balance sheet date of the estimated future tax effects attributable to the difference between the methods used to account for deferred loan origination costs for tax purposes and under generally accepted accounting principles which will increase future taxable income when such difference reverses. Deferred Tax Liabilities Deferred Expense Deferred Loan Origination Costs Loan origination costs Increase (reduction) in taxes resulting from: [Abstract] The tax effect as of the balance sheet date of the amount of the estimated future tax deductions arising from early extinguishment of debt. Deferred Tax Assets, Debt Extinguishment Debt extinguishment The aggregate maximum percentage of the Bank's capital and surplus that can be transferred to Company. Aggregate Bank Capital And Surplus Transferable To Company Maximum Aggregate percentage of Bank's capital and surplus that can be transferred to Company, maximum (in hundredths) The maximum percentage of the Bank's capital and surplus that can be transferred to Company. Bank Capital And Surplus Transferable To Company Maximum Percentage of Bank's capital and surplus that can be transferred to Company, maximum (in hundredths) Tabular disclosure of information pertaining to subordinated long-term debt owed to unconsolidated subsidiary trusts, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation. Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust [Table Text Block] Preferred securities Document and Entity Information [Abstract] Tabular disclosure regarding loans acquired during the period. Summary of loans acquired [Table Text Block] Summary of loans acquired Tabular disclosure of the nature and terms of the financial instruments with off-balance sheet risk. Off Balance Sheet Financial Instruments [Table Text Block] Off-Balance-Sheet Financial instruments contract amount The banking reportable operating business segment. Banking [Member] Banking [Member] The employee benefit services reportable operating business segment. Employee Benefit Services Member [Member] Employee Benefit Services [Member] The wealth management reportable operating business segment. Wealth Management [Member] Wealth Management [Member] The amount of acquisition cost of a business combination allocated to other identifiable intangible assets not otherwise defined in the taxonomy that will be amortized Business Acquisition Purchase Price Allocation Amortizable Intangible Assets Other Intangibles Other intangibles Includes the acquisition of CAI Benefits in the year 2011. Cai Benefits Acquisitions [Member] CAI Benefits [Member] Acquisition of net assets or equity interests of an entity wherein the acquiring entity obtains control over the acquired entity. Wilber Corporation [Member] Bank of America, N A and related agreements. Bank of America Agreement [Member] Amount of deposits acquired in an acquisition. Deposits Acquired Deposits acquired Amount in excess of carrying value paid to acquire deposit account. Business Combination Deposit Premium Paid Total deposit premium paid Pending agreement for acquisition of bank branches. HSBC Branch Agreement [Member] HSBC Branch Agreement [Member] Loans acquired after January 1, 2009 that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition that the company will be unable to collect all contractually required payments. Acquired Impaired Loans [Member] Includes the combined pending agreements. Combined HSBC and First Niagara Branch Agreements [Member] HSBC and First Niagara [Member] The acquirer's estimate, at acquisition, of the amount and timing of undiscounted principal, interest, and other cash flows not expected to be collected. Certain Loans Acquired In Transfer Accounted For As Debt Securities Acquired During Period, Contractual Cash Flows Not Expected To Be Collected Contractual cash flows not expected to be collected Blended premium paid on deposit liabilities. Blended Deposit Premium Blended deposit premium (in hundredths) Loans acquired after January 1, 2009 that do not have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition that the company will be unable to collect all contractually required payments. Acquired Non Impaired Loans [Member] Acquired Non-Impaired Loans [Member] The amount of acquisition cost of a business combination allocated to deposits of the acquired entity. Business Acquisition, Purchase Price Allocation, Deposits Deposits Deposits The amount of acquisition cost of a business combination allocated to loans. Business Acquisition, Purchase Price Allocation, Loans Loans The amount of acquisition cost of a business combination allocated to an identifiable intangible asset relating to core deposits that will be amortized. Business Acquisition, Purchase Price Allocation, Amortizable Intangible Assets, Core Deposits Core deposit intangibles Pending agreement for acquisition of bank branches. First Niagara Branch Agreement [Member] First Niagara Branch Agreement [Member] The investor's estimate, at acquisition, of the amount and timing of the interest component of expected cash flows for loans acquired in transfer not accounted for as debt securities. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Interest Component Of Cash Flows Interest component of expected cash flows The amount of acquisition cost of a business combination allocated to the net of assets and liabilities of the acquired entity not otherwise stated. Business Acquisition, Purchase Price Allocation, Other Assets and Liabilities, Net Other assets/(liabilities), net The expected number of new branch locations upon completion of the merger, as a result of the acquisition or purchase agreement. Number Of New Branch Locations Included In Acquision Or Agreement Number of new branch locations included in acquisition or purchase agreement Amount of bank loans acquired in an acquisition. Loans Acquired Loans acquired Includes the combined acquisition of both companies in the year 2011. Combined CAI Benefits and Wilber Corporation Acquisitions [Member] Entity's long-term relationships with depositors, commonly known as core deposit intangibles, which are separate from the financial instruments themselves and obtained through acquisition. Core Deposits From Acquisitions [Member] Refers to Troubled debt restructurings, Nonaccrual carrying balance. Troubled Debt Restructurings Nonaccrual Amount Troubled debt restructurings, Nonaccrual amount Refers to Troubled debt restructurings , Nonaccrual, number of loans. Troubled Debt Restructurings Nonaccrual Troubled debt restructurings , Nonaccrual, Number of loans The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment and are a TDR. Financing Receivable Allowance For Credit Losses Collectively Modified Evaluated For Impairment TDR included in general loan loss allocation and the qualitative review, maximum Refers to Troubled debt restructurings number of loans. Troubled Debt Restructurings Troubled Debt Restructurings, Total number of loans Refers to Troubled debt restructurings , Accruing amount. Troubled Debt Restructurings Accruing Amount Troubled debt restructurings , Accruing amount Refers to Troubled debt restructurings, accrual, number of loans. Troubled Debt Restructurings Accruing Troubled debt restructurings accruing, Number of loans Loans acquired after January 1, 2009 that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the company will be unable to collect all contractually required payments. Financing Receivable, Recorded Investment, Purchased Impaired Acquired Impaired Financing receivables that are less than 90 days past due but more than 29 days past due. Financing Receivable, Recorded Investment, 30 to 89 Days Past Due Past Due 30 - 89 Days Undiscounted amounts deemed principal and interest owed to the acquirer at the reporting date, whether or not currently due and whether or not any such amounts have been written or charged off by the investor. This relates to loans not accounted for as debt securities, with evidence of deterioration of credit impairment quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Impairment Outstanding Balance Certain loans acquired in transfer credit impaired loans Credit impaired acquired loans: [Abstract] Credit impaired acquired loans: [Abstract] Total Acquired Loans [Abstract] Total acquired loans [Abstract] Non- Impaired Acquired Loans [Abstract] Non-impaired acquired loans [Abstract] Undiscounted amounts deemed principal owed to the acquirer at the reporting date, whether or not currently due and whether or not any such amounts have been written or charged off by the investor. This relates to loans not accounted for as debt securities, with evidence of deterioration of credit impairment quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Impairment Outstanding Principal Balance Outstanding principal balance Information by financing receivable portfolio segment. Financing Receivable Information by Segment [Axis] Listing of the segments of financing receivables portfolio. Financing receivables generally are a disaggregation of a portfolio segment. Financing Receivable Portfolio Segments [Domain] The minimum of the typical original contract term of consumer mortgages, which consists primarily of fixed rate residential instruments. Contract Term Of Consumer Mortgages, Minimum In Years Typical contract term of consumer mortgages, minimum The maximum of the typical original contract term of consumer mortgages, which consists primarily of fixed rate residential instruments. Contract Term Of Consumer Mortgages Maximum In Years Typical contract term of consumer mortgages, maximum The maximum of the typical original contract term of home equity loans. Contract Term Of Home Equity Loans Maximum In Years Typical contract term of home equity loans, maximum The recorded balance, net of any applicable reductions (for example, unamortized accretable yield and allowance for loan losses). This relates to loans not accounted for debt securities with evidence of deterioration of credit impairment quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor will be unable to collect all contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Impairment Carrying Amount Net Carrying amount The recorded balance, net of any applicable reductions (for example market value adjustments recorded at acquisition). This relates to loans not accounted for as debt securities with no evidence of deterioration of credit quality since origination that were acquired by completion of a transfer. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Non Impaired Carrying Amount Net Carrying amount The undiscounted sum of all amounts deemed principal owed to the investor at the reporting date, whether or not currently due and whether or not any such amounts have been written or charged off by the investor. This relates to loans not accounted for as debt securities, with no evidence of deterioration of credit quality since origination that were acquired by completion of a transfer for which it is probable, at acquisition, that the investor expects will be able to collect all contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Non Impairment Outstanding Balance Outstanding principal balance The cost (credit) resulting from a plan amendment that occurred during the period, after tax. The cost has not been recognized in net periodic benefit cost. A plan amendment includes provisions that grant increased benefits based on service rendered in prior periods. Other comprehensive income loss negative postretirement medical plan amendment net of tax Accumulated other comprehensive income (loss), negative postretirement medical plan amendment, arising during period, net of tax Prior service costs [Abstract] An assumption as to the rate of return on plan assets reflecting the average rate of earnings expected on the funds invested or to be invested to provide for the benefits included in the benefit obligation. Defined Benefit Plan Assumptions Used Calculating Benefit Obligation Expected Return On Plan Assets Expected return on plan assets (in hundredths) The benefit obligation is the projected benefit obligation, which is the actuarial present value as of a date of all benefits attributed by the pension benefit formula to employee service rendered prior to plan revaluation. Benefit obligation for defined benefit pension plan fefore revaluation Benefit obligation for defined benefit pension plan prior to plan revaluation Reflects the maximum percentage of gain or loss on pension assets not amortized over expected future working life of participants. Any gain or loss in excess of this percentage is amortized. Maximum Percentage Of Pension Gain Loss Not Amortized Maximum percentage of net gain or loss over the greater of the projected benefit obligation or the market-related value of assets without requiring amortization (hundredths) EX-101.PRE 15 cbu-20131231_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE XML 16 R39.htm IDEA: XBRL DOCUMENT v2.4.0.8
BENEFIT PLANS (Tables)
 12 Months Ended
Dec. 31, 2013
BENEFIT PLANS [Abstract]  
Funded status of the plans reconciled with amounts reported in consolidated statement of condition.
The Company provides a qualified defined benefit pension to qualified employees and retirees, and other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors.  Using a measurement date of December 31, the following table shows the funded status of the Company's plans reconciled with amounts reported in the Company's consolidated statements of condition:
 
   
Pension Benefits
  
Post-retirement Benefits
 
(000's omitted)
 
2013
  
2012
  
2013
  
2012
 
Change in benefit obligation:
        
  Benefit obligation at the beginning of year
 
$
123,739
  
$
112,857
  
$
3,051
  
$
3,352
 
  Service cost
  
3,988
   
3,392
   
0
   
0
 
  Interest cost
  
4,120
   
4,393
   
88
   
114
 
  Participant contributions
      
0
   
608
   
502
 
  Deferred actuarial loss (gain)
  
(14,610
)
  
9,352
   
(301
)
  
(72
)
  Benefits paid
  
(6,063
)
  
(6,255
)
  
(1,106
)
  
(845
)
Benefit obligation at end of year
  
111,174
   
123,739
   
2,340
   
3,051
 
Change in plan assets:
                
  Fair value of plan assets at beginning of year
  
143,661
   
126,309
   
0
   
0
 
  Actual return of plan assets
  
25,196
   
10,992
   
0
   
0
 
  Participant contributions
  
0
   
0
   
608
   
502
 
  Employer contributions
  
10,622
   
12,615
   
498
   
343
 
  Benefits paid
  
(6,063
)
  
(6,255
)
  
(1,106
)
  
(845
)
Fair value of plan assets at end of year
  
173,416
   
143,661
   
0
   
0
 
Over/(Under) funded status at year end
 
$
62,242
  
$
19,922
  
$ 
(2,340
)
 
$ 
(3,051
)
                 
Amounts recognized in the consolidated balance sheet were:
 
   Other assets
 
$
73,790
  
$
32,135
  
$
0
  
$
0
 
   Other liabilities
  
(11,548
)
  
(12,213
)
  
(2,340
)
  
(3,051
)
                 
Amounts recognized in accumulated other comprehensive income (loss) (“AOCI”) were:
 
   Net loss (gain)
 
$
12,905
  
$
47,321
  
$ 
(25
)
 
$
288
 
   Net prior service cost (credit)
  
797
   
141
   
(2,338
)
  
(2,517
)
   Pre-tax AOCI
  
13,702
   
47,462
   
(2,363
)
  
(2,229
)
   Taxes
  
(5,095
)
  
(18,296
)
  
901
   
848
 
    AOCI at year end
 
$
8,607
  
$
29,166
  
$ 
(1,462
)
 
$ 
(1,381
)
After tax amounts recognized in accumulated other comprehensive income (loss)
Amounts recognized in accumulated other comprehensive income, net of tax, for the year ended December 31, are as follows:
 
   
Pension Benefits
  
Post-retirement Benefits
 
(000's omitted)
 
2013
  
2012
  
2013
  
2012
 
Prior service cost
 
$ 
(46
)
 
$
90
  
$
109
  
$
503
 
Net (gain) loss
  
(20,513
)
  
2,368
   
(190
)
  
(51
)
     Total
 
$ 
(20,559
)
 
$
2,458
  
$ 
(81
)
 
$
452
 
Accumulated other comprehensive (income) loss into net periodic (income) cost over the next fiscal year
The estimated costs, net of tax, that will be amortized from accumulated other comprehensive (income) loss into net periodic (income) cost over the next fiscal year are as follows:

   
Pension
  
Post-retirement
 
(000's omitted)
 
Benefits
  
Benefits
 
Prior service credit
 
$
5
  
$ 
(179
)
Net loss
  
(308
)
  
1
 
     Total
 
$ 
(303
)
 
$ 
(178
)
Weighted-average assumptions used to determine benefit obligations
The weighted-average assumptions used to determine the benefit obligations as of December 31 are as follows:

   
Pension Benefits
  
Post-retirement Benefits
 
  
2013
  
2012
  
2013
  
2012
 
Discount rate
  
5.00
%
  
3.40
%
  
4.80
%
  
3.20
%
Expected return on plan assets
  
7.00
%
  
7.00
%
  
N/
A
  
N/
A
Rate of compensation increase
  
3.50
%
  
3.50
%
  
N/
A
  
N/
A
Net periodic benefit cost
The net periodic benefit cost as of December 31 is as follows:

   
Pension Benefits
  
Post-retirement Benefits
 
(000's omitted)
 
2013
  
2012
  
2011
  
2013
  
2012
  
2011
 
Service cost
 
$
3,988
  
$
3,392
  
$
2,959
  
$
0
  
$
0
  
$
0
 
Interest cost
  
4,120
   
4,393
   
4,497
   
88
   
114
   
153
 
Expected return on plan assets
  
(10,149
)
  
(9,196
)
  
(8,097
)
  
0
   
0
   
0
 
Amortization of unrecognized net loss
  
4,028
   
3,687
   
2,362
   
12
   
11
   
8
 
Amortization of prior service cost
  
75
   
(147
)
  
(149
)
  
(179
)
  
(822
)
  
(1,057
)
Net periodic benefit cost
 
$
2,062
  
$
2,129
  
$
1,572
  
$ 
(79
)
 
$ 
(697
)
 
$ 
(896
)
Weighted-average assumptions used to determine net periodic pension cost
The weighted-average assumptions used to determine the net periodic pension cost for the years ended December 31 are as follows:
 
   
Pension Benefits
  
Post-retirement Benefits
 
  
2013
  
2012
  
2011
  
2013
  
2012
  
2011
 
Discount rate
  
3.40
%
  
4.10
%
  
4.40
%
  
3.20
%
  
3.90
%
  
4.50
%
Expected return on plan assets
  
7.00
%
  
7.50
%
  
7.50
%
  
N/
A
  
N/
A
  
N/
A
Rate of compensation increase
  
3.50
%
  
4.00
%
  
4.00
%
  
N/
A
  
N/
A
  
N/
A
 
Amount of expected benefit payments
The amount of benefit payments that are expected to be paid over the next ten years are as follows:

   
Pension
  
Post-retirement
 
(000's omitted)
 
Benefits
  
Benefits
 
2014
 
$
6,021
  
$
230
 
2015
  
7,396
   
220
 
2016
  
7,882
   
196
 
2017
  
8,110
   
194
 
2018
  
8,132
   
192
 
2019-2023
  
48,507
   
811
 
Fair value of defined benefit plan assets
The fair values of the Company’s defined benefit pension plan assets at December 31, 2013 by asset category are as follows:

 
 
 
Asset category (000’s omitted)
 
Quoted Prices
in Active
Markets for
Identical
Assets Level 1
  
Significant
Observable
Inputs
Level 2
  
Significant
Unobservable
Inputs
Level 3
  
Total
 
         
Money Market Accounts
 
$
709
  
$
10,231
  
$
0
  
$
10,940
 
Equity securities:
                
     U.S. large-cap
  
50,513
   
0
   
0
   
50,513
 
     U.S mid/small cap
  
19,308
   
0
   
0
   
19,308
 
     CBSI stock
  
9,913
   
0
   
0
   
9,913
 
     International
  
33,485
   
0
   
0
   
33,485
 
   
113,219
   
0
   
0
   
113,219
 
                 
Fixed income securities:
                
     Government securities
  
7,676
   
6,814
   
0
   
14,490
 
     Investment grade bonds
  
17,400
   
0
   
0
   
17,400
 
     International bonds
  
2,712
   
0
   
0
   
2,712
 
     High yield(b)
  
14,243
   
0
   
0
   
14,243
 
   
42,031
   
6,814
   
0
   
48,845
 
                 
Other types of investments:
                
    Alternative investments (c)
  
0
   
77
   
0
   
77
 
                 
Total (d)
 
$
155,959
  
$
17,122
  
$
0
  
$
173,081
 
 
The fair values of the Company’s defined benefit pension plan assets at December 31, 2012 by asset category are as follows:

 
 
 
Asset category (000’s omitted)
 
Quoted Prices
in Active
Markets for
Identical
Assets Level 1
  
Significant
Observable
Inputs
Level 2
  
Significant
Unobservable
Inputs
Level 3
  
Total
 
         
Money Market Accounts
 
$
410
  
$
19,977
  
$
0
  
$
20,387
 
Equity securities:
                
     U.S. large-cap
  
40,547
   
0
   
0
   
40,547
 
     U.S mid/small cap
  
10,311
   
0
   
0
   
10,311
 
     CBSI stock
  
11,486
   
0
   
0
   
11,486
 
     International
  
22,428
   
0
   
0
   
22,428
 
     Commodities (a)
  
2,735
   
0
   
0
   
2,735
 
   
87,507
   
0
   
0
   
87,507
 
                 
Fixed income securities:
                
     Government securities
  
5,383
   
8,269
   
0
   
13,652
 
     Investment grade bonds
  
10,517
   
0
   
0
   
10,517
 
     High yield(b)
  
11,516
   
0
   
0
   
11,516
 
   
27,416
   
8,269
   
0
   
35,685
 
                 
Other types of investments:
                
    Alternative investments (c)
  
0
   
82
   
0
   
82
 
                 
Total (d)
 
$
115,333
  
$
28,328
  
$
0
  
$
143,661
 
 
(a)  
This category includes investments in exchange-traded funds reflecting the performance of an underlying commodity index.
(b)  
This category is exchange-traded funds representing a diversified index of high yield corporate bonds.
(c)  This category is comprised of non-traditional investment classes including private equity funds and alternative exchange funds.
(d)  
Excludes dividends and interest receivable totaling $335,000 and $352,000 at December 31, 2013 and 2012, respectively.
XML 17 R54.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS, Amount of Business Lending Loans by Credit Quality Category (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 4,109,083 $ 3,865,576
Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,260,364 1,233,944
Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 3,771,875 3,418,221
Legacy Loan [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,086,025 1,002,854
Legacy Loan [Member] | All Other Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 2,685,850 2,415,367
Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 337,208 447,355 [1]
Acquired Loans [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 174,339 231,090
Acquired Loans [Member] | All Other Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 162,869 216,265
Pass [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,025,156 963,338
Pass [Member] | Legacy Loan [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 908,885 818,469
Pass [Member] | Acquired Loans [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 116,271 144,869
Special Mention [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 117,864 125,067
Special Mention [Member] | Legacy Loan [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 93,600 92,739
Special Mention [Member] | Acquired Loans [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 24,264 32,328
Classified [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 110,093 130,167
Classified [Member] | Legacy Loan [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 83,379 90,035
Classified [Member] | Acquired Loans [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 26,714 40,132
Doubtful [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 161 1,611
Doubtful [Member] | Legacy Loan [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 161 1,611
Doubtful [Member] | Acquired Loans [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Acquired Impaired [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 7,090 13,761
Acquired Impaired [Member] | Legacy Loan [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 0 0
Acquired Impaired [Member] | Acquired Loans [Member] | Business Lending [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 7,090 13,761
Performing [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 2,670,614 2,403,261
Performing [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 160,796 213,201
Nonperforming [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 15,236 12,106
Nonperforming [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 2,073 3,064
Consumer Mortgage [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,502,259 1,345,287
Consumer Mortgage [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 79,799 103,128 [1]
Consumer Mortgage [Member] | Performing [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,489,909 1,334,868
Consumer Mortgage [Member] | Performing [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 78,251 100,443
Consumer Mortgage [Member] | Nonperforming [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 12,350 10,419
Consumer Mortgage [Member] | Nonperforming [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 1,548 2,685
Consumer Indirect [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 736,277 637,357
Consumer Indirect [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 3,725 10,161 [1]
Consumer Indirect [Member] | Performing [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 735,525 637,284
Consumer Indirect [Member] | Performing [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 3,708 10,161
Consumer Indirect [Member] | Nonperforming [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 752 73
Consumer Indirect [Member] | Nonperforming [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 17 0
Consumer Direct [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 171,404 156,266
Consumer Direct [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 8,735 15,208 [1]
Consumer Direct [Member] | Performing [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 171,310 156,187
Consumer Direct [Member] | Performing [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 8,708 15,208
Consumer Direct [Member] | Nonperforming [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 94 79
Consumer Direct [Member] | Nonperforming [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 27 0
Home Equity [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 275,910 276,457
Home Equity [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 70,610 87,768 [1]
Home Equity [Member] | Performing [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 273,870 274,922
Home Equity [Member] | Performing [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 70,129 87,389
Home Equity [Member] | Nonperforming [Member] | Legacy Loan [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans 2,040 1,535
Home Equity [Member] | Nonperforming [Member] | Acquired Loans [Member]
    
Financing Receivable, Recorded Investment [Line Items]    
Loans $ 481 $ 379
[1] Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performingunder ASC 310-30. As a result interest income, through the accretion of the difference between the carryingamount of the loans and the expected cashflows, is being recognized on acquired impaired loans.
XML 18 R48.htm IDEA: XBRL DOCUMENT v2.4.0.8
SEGMENT INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2013
SEGMENT INFORMATION [Abstract]  
Schedule of segment reporting information by segment
Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:
 
 
(000's omitted) 
 
Banking
  
Employee
Benefit Services
  
Wealth Management
  
Eliminations
  
Consolidated
Total
 
2013
          
Net interest income
 
$
237,915
  
$
101
  
$
78
  
$
0
  
$
238,094
 
Provision for loan losses
  
7,992
   
0
   
0
   
0
   
7,992
 
Noninterest income
  
48,030
   
39,534
   
16,265
   
(1,649
)
  
102,180
 
Amortization of intangible assets
  
3,569
   
662
   
238
   
0
   
4,469
 
Other operating expenses
  
175,139
   
31,049
   
12,247
   
(1,649
)
  
216,786
 
Income before income taxes
 
$
99,245
  
$
7,924
  
$
3,858
  
$
0
  
$
111,027
 
Assets
 
$
7,070,866
  
$
27,970
  
$
13,259
  
$ 
(16,231
)
 
$
7,095,864
 
Goodwill
 
$
364,495
  
$
7,836
  
$
2,660
  
$
0
  
$
374,991
 
                     
2012
                    
Net interest income
 
$
230,251
  
$
104
  
$
69
  
$
0
  
$
230,424
 
Provision for loan losses
  
9,108
   
0
   
0
   
0
   
9,108
 
Noninterest income
  
50,422
   
36,781
   
13,549
   
(1,506
)
  
99,246
 
Amortization of intangible assets
  
3,548
   
779
   
280
   
0
   
4,607
 
Other operating expenses
  
167,332
   
30,617
   
10,707
   
(1,506
)
  
207,150
 
Income before income taxes
 
$
100,685
  
$
5,489
  
$
2,631
  
$
0
  
$
108,805
 
Assets
 
$
7,472,628
  
$
30,405
  
$
12,101
  
$ 
(18,334
)
 
$
7,496,800
 
Goodwill
 
$
359,207
  
$
7,836
  
$
2,660
  
$
0
  
$
369,703
 
                     
2011
                    
Net interest income
 
$
209,302
  
$
60
  
$
51
  
$
0
  
$
209,413
 
Provision for loan losses
  
4,736
   
0
   
0
   
0
   
4,736
 
Noninterest income
  
46,921
   
32,395
   
11,228
   
(1,322
)
  
89,222
 
Amortization of intangible assets
  
3,393
   
752
   
236
   
0
   
4,381
 
Other operating expenses
  
152,468
   
25,622
   
9,223
   
(1,322
)
  
185,991
 
Income before income taxes
 
$
95,626
  
$
6,081
  
$
1,820
  
$
0
  
$
103,527
 
Assets
 
$
6,461,694
  
$
27,446
  
$
11,111
  
$ 
(11,976
)
 
$
6,488,275
 
Goodwill
 
$
334,554
  
$
7,836
  
$
2,660
  
$
0
  
$
345,050
 
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LEASES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
LEASES [Abstract]      
Rental expense $ 5,100,000 $ 4,900,000 $ 4,200,000
Future minimum rental commitments [Abstract]      
2014 5,342,000    
2015 4,662,000    
2016 4,442,000    
2017 3,780,000    
2018 3,161,000    
Thereafter 5,138,000    
Total $ 26,525,000    

XML 21 R55.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS, Troubled Debt Restructuring (TDR) (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Loan
Dec. 31, 2012
Loan
Financing Receivable, Modifications [Line Items]    
Individual commercial loan evaluated for impairment, minimum $ 500,000  
TDR included in general loan loss allocation and the qualitative review, maximum 500,000  
Troubled debt restructurings , Nonaccrual, Number of loans 47 18
Troubled debt restructurings, Nonaccrual amount 2,046,000 3,276,000
Troubled debt restructurings accruing, Number of loans 213 [1] 189 [1]
Troubled debt restructurings , Accruing amount 3,389,000 3,174,000
Troubled Debt Restructurings, Total number of loans 260 207
Troubled debt restructurings , Total 5,435,000 6,450,000
TDR occurring during the year, Number of contracts 106 104
TDR occurring during the year, post-modification recorded investment 2,641,000 4,387,000
Consumer Mortgage [Member]
    
Financing Receivable, Modifications [Line Items]    
Troubled debt restructurings , Nonaccrual, Number of loans 31 3
Troubled debt restructurings, Nonaccrual amount 1,682,000 160,000
Troubled debt restructurings accruing, Number of loans 48 [1] 45 [1]
Troubled debt restructurings , Accruing amount 2,171,000 2,074,000
Troubled Debt Restructurings, Total number of loans 79 48
Troubled debt restructurings , Total 3,853,000 2,234,000
TDR occurring during the year, Number of contracts 31 23
TDR occurring during the year, post-modification recorded investment 1,758,000 1,176,000
Business Lending [Member]
    
Financing Receivable, Modifications [Line Items]    
Troubled debt restructurings , Nonaccrual, Number of loans 4 10
Troubled debt restructurings, Nonaccrual amount 162,000 3,046,000
Troubled debt restructurings accruing, Number of loans 1 [1] 0 [1]
Troubled debt restructurings , Accruing amount 47,000 0
Troubled Debt Restructurings, Total number of loans 5 10
Troubled debt restructurings , Total 209,000 3,046,000
TDR occurring during the year, Number of contracts 3 9
TDR occurring during the year, post-modification recorded investment 183,000 2,709,000
Consumer Indirect [Member]
    
Financing Receivable, Modifications [Line Items]    
Troubled debt restructurings , Nonaccrual, Number of loans 0 0
Troubled debt restructurings, Nonaccrual amount 0 0
Troubled debt restructurings accruing, Number of loans 98 [1] 106 [1]
Troubled debt restructurings , Accruing amount 692,000 718,000
Troubled Debt Restructurings, Total number of loans 98 106
Troubled debt restructurings , Total 692,000 718,000
TDR occurring during the year, Number of contracts 36 47
TDR occurring during the year, post-modification recorded investment 327,000 281,000
Consumer Direct [Member]
    
Financing Receivable, Modifications [Line Items]    
Troubled debt restructurings , Nonaccrual, Number of loans 0 0
Troubled debt restructurings, Nonaccrual amount 0 0
Troubled debt restructurings accruing, Number of loans 46 [1] 19 [1]
Troubled debt restructurings , Accruing amount 116,000 116,000
Troubled Debt Restructurings, Total number of loans 46 19
Troubled debt restructurings , Total 116,000 116,000
TDR occurring during the year, Number of contracts 22 13
TDR occurring during the year, post-modification recorded investment 75,000 95,000
Home Equity [Member]
    
Financing Receivable, Modifications [Line Items]    
Troubled debt restructurings , Nonaccrual, Number of loans 12 5
Troubled debt restructurings, Nonaccrual amount 202,000 70,000
Troubled debt restructurings accruing, Number of loans 20 [1] 19 [1]
Troubled debt restructurings , Accruing amount 363,000 266,000
Troubled Debt Restructurings, Total number of loans 32 24
Troubled debt restructurings , Total 565,000 336,000
TDR occurring during the year, Number of contracts 14 12
TDR occurring during the year, post-modification recorded investment $ 298,000 $ 126,000
[1] Accruing loans have demonstrated a period of at least six months of payment performance under the restructured terms and are excluded from nonperforming loans.
XML 22 R78.htm IDEA: XBRL DOCUMENT v2.4.0.8
SEGMENT INFORMATION (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Information about reportable segments [Abstract]      
Net interest income $ 238,094 $ 230,424 $ 209,413
Provision for loan losses 7,992 9,108 4,736
Noninterest income 102,180 99,246 89,222
Amortization of intangible assets 4,469 4,607 4,381
Other operating expenses 216,786 207,150 185,991
Income before income taxes 111,027 108,805 103,527
Assets 7,095,864 7,496,800 6,488,275
Goodwill 374,991 369,703 345,050
Eliminations [Member]
      
Information about reportable segments [Abstract]      
Net interest income 0 0 0
Provision for loan losses 0 0 0
Noninterest income (1,649) (1,506) (1,322)
Amortization of intangible assets 0 0 0
Other operating expenses (1,649) (1,506) (1,322)
Income before income taxes 0 0 0
Assets (16,231) (18,334) (11,976)
Goodwill 0 0 0
Banking [Member]
      
Information about reportable segments [Abstract]      
Net interest income 237,915 230,251 209,302
Provision for loan losses 7,992 9,108 4,736
Noninterest income 48,030 50,422 46,921
Amortization of intangible assets 3,569 3,548 3,393
Other operating expenses 175,139 167,332 152,468
Income before income taxes 99,245 100,685 95,626
Assets 7,070,866 7,472,628 6,461,694
Goodwill 364,495 359,207 334,554
Employee Benefit Services [Member]
      
Information about reportable segments [Abstract]      
Net interest income 101 104 60
Provision for loan losses 0 0 0
Noninterest income 39,534 36,781 32,395
Amortization of intangible assets 662 779 752
Other operating expenses 31,049 30,617 25,622
Income before income taxes 7,924 5,489 6,081
Assets 27,970 30,405 27,446
Goodwill 7,836 7,836 7,836
Wealth Management [Member]
      
Information about reportable segments [Abstract]      
Net interest income 78 69 51
Provision for loan losses 0 0 0
Noninterest income 16,265 13,549 11,228
Amortization of intangible assets 238 280 236
Other operating expenses 12,247 10,707 9,223
Income before income taxes 3,858 2,631 1,820
Assets 13,259 12,101 11,111
Goodwill $ 2,660 $ 2,660 $ 2,660
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FAIR VALUE (Tables)
 12 Months Ended
Dec. 31, 2013
FAIR VALUE [Abstract]  
Summary of fair value measured on a recurring basis
A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.  The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis.  There were no transfers between any of the levels for the periods presented.

   
December 31, 2013
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Available-for-sale investment securities:
        
U.S. Treasury and agency securities
 
$
1,182,261
  
$
29,886
  
$
0
  
$
1,212,147
 
Obligations of state and political subdivisions
  
0
   
668,982
   
0
   
668,982
 
Government agency mortgage-backed securities
  
0
   
254,978
   
0
   
254,978
 
Corporate debt securities
  
0
   
27,587
   
0
   
27,587
 
Government agency collateralized mortgage obligations
  
0
   
22,048
   
0
   
22,048
 
Marketable equity securities
  
421
   
0
   
0
   
421
 
   Total available-for-sale investment securities
  
1,182,682
   
1,003,481
   
0
   
2,186,163
 
Mortgage loans held for sale
  
0
   
728
   
0
   
728
 
Commitments to originate real estate loans for sale
  
0
   
0
   
44
   
44
 
Forward sales commitments
  
0
   
27
   
0
   
27
 
Total
 
$
1,182,682
  
$
1,004,236
  
$
44
  
$
2,186,962
 
 
   
December 31, 2012
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Available-for-sale investment securities:
        
U.S. Treasury and agency securities
 
$
891,803
  
$
187,454
  
$
0
  
$
1,079,257
 
Obligations of state and political subdivisions
  
0
   
662,892
   
0
   
662,892
 
Government agency mortgage-backed securities
  
0
   
269,951
   
0
   
269,951
 
Pooled trust preferred securities
  
0
   
0
   
49,600
   
49,600
 
Government agency collateralized mortgage obligations
  
0
   
33,935
   
0
   
33,935
 
Corporate debt securities
  
0
   
25,357
   
0
   
25,357
 
Marketable equity securities
  
402
   
0
   
0
   
402
 
Total available-for-sale investment securities/Total
 
$
892,205
  
$
1,179,589
  
$
49,600
  
$
2,121,394
 
Changes in level 3 assets measured at fair value on a recurring basis
The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:
 
   
Year Ended December 31,
 
   
2013
   
2012
 
(000's omitted)
 
Pooled trust preferred
securities
   
Commitments
to originate
real estate
loans for sale
   
Total
   
Pooled trust preferred securities
 
Beginning balance
 
$
49,600
   
$
0
   
$
49,600
   
$
43,846
 
Total gains/(losses) included in earnings (1)(2)
   
(15,201
)
   
(249
)
   
(15,450
)
   
220
 
Total gains/(losses) included in other comprehensive income(3)
   
12,379
     
0
     
12,379
     
11,890
 
Principal reductions
   
(5,944
)
   
0
     
(5,944
)
   
(6,356
)
Sales
   
(40,834
)
   
0
     
(40,834
)
   
0
 
Commitments to originate real estate loans held for sale, net
   
0
     
293
     
293
     
0
 
Ending balance
 
$
0
   
$
44
   
$
44
   
$
49,600
 
 
(1) Amounts included in earnings associated with the pooled trust preferred securities relate to accretion of related discount, which are reported in interest and dividends on taxable investments, and the loss realized upon the sale of the securities, which is included in gain on sales of investment securities, net.
(2) Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income.
(3) Amounts included in other comprehensive income associated with the pooled trust preferred securities relate to changes in unrealized loss and are reported as a component of unrealized gains/(losses) on available-for sale securities in the Statement of Comprehensive Income.
 


Assets and liabilities measured on a non-recurring basis
Assets and liabilities measured on a non-recurring basis:
 
   
December 31, 2013
  
December 31, 2012
 
(000's omitted)
 
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
  
Level 1
  
Level 2
  
Level 3
  
Total Fair Value
 
Impaired loans
 
$
0
  
$
600
  
$
0
  
$
600
  
$
0
  
$
0
  
$
1,186
  
$
1,186
 
Other real estate owned
  
0
   
0
   
5,060
   
5,060
   
0
   
0
   
4,788
   
4,788
 
Mortgage servicing rights
  
0
   
0
   
0
   
0
   
0
   
0
   
1,028
   
1,028
 
   Total
 
$
0
  
$
600
  
$
5,060
  
$
5,660
  
$
0
  
$
0
  
$
7,002
  
$
7,002
 
Significant unobservable inputs, fair value valuation techniques
The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of December 31, 2013 are as follows:

(000's omitted)
 
Fair Value
 
Valuation Technique
Significant Unobservable Inputs
 
Input Range
(Weighted Average)
 
       
Other real estate owned
  
5,060
 
Fair value of collateral
Estimated cost of disposal/market adjustment
  
11.0% - 54.4% (28.1
%)
           
Commitments to originate
  real estate loans for sale
  
44
 
Discounted cash flow
Embedded servicing value
  
1
%

The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of December 31, 2012 are as follows:

(000's omitted)
 
Fair Value
 
Valuation Technique
Significant Unobservable Inputs
 
Significant Unobservable Input Range
(Weighted Average)
 
       
Pooled trust preferred securities
 
$
49,600
 
Consensus pricing
Weighting of offered quotes   
  
65.3% - 85.1% (78.4
%)
           
Impaired loans
  
1,186
 
Fair value of collateral
Estimated cost of disposal/market adjustment   
  
25.0% - 50.0% (27.5
%)
           
Other real estate owned
  
4,788
 
Fair value of collateral
Estimated cost of disposal/market adjustment   
  
11.0% - 60.2% (19.9
%)
           
Mortgage servicing rights
  
1,028
 
Discounted cash flow
Weighted average constant prepayment rate   
  
1.1% - 39.6% (34.4
%)
        
Discount rate   
  2.5% - 3.3% (3.1%)
        
Adequate compensation   
 $7/loan  
 
Carrying amounts and estimated Fair Values of other financial instruments
The carrying amounts and estimated fair values of the Company’s other financial instruments that are not accounted for at fair value at December 31, 2013 and 2012 are as follows:
 
   
December 31, 2013
  
December 31, 2012
 
   
Carrying
  
Fair
  
Carrying
  
Fair
 
(000's omitted)
 
Value
  
Value
  
Value
  
Value
 
Financial assets:
        
   Net loans
 
$
4,064,764
  
$
4,044,449
  
$
3,822,688
  
$
3,881,354
 
Financial liabilities:
                
   Deposits
  
5,896,044
   
5,898,138
   
5,628,039
   
5,635,320
 
   Borrowings
  
141,913
   
141,913
   
728,061
   
820,377
 
   Subordinated debt held by unconsolidated subsidiary trusts
  
102,097
   
109,284
   
102,073
   
97,899
 
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LOANS (Tables)
 12 Months Ended
Dec. 31, 2013
LOANS [Abstract]  
Schedule of loans receivable, net
The balance of these classes at December 31 are summarized as follows:

(000's omitted)
 
2013
  
2012
 
Consumer mortgage
 
$
1,582,058
  
$
1,448,415
 
Business lending
  
1,260,364
   
1,233,944
 
Consumer indirect
  
740,002
   
647,518
 
Consumer direct
  
180,139
   
171,474
 
Home equity
  
346,520
   
364,225
 
Gross loans, including net deferred origination costs
  
4,109,083
   
3,865,576
 
Allowance for loan losses
  
(44,319
)
  
(42,888
)
Loans, net of allowance for loan losses
 
$
4,064,764
  
$
3,822,688
 
Summary of aggregate amounts loaned to related parties of the company
Certain directors and executive officers of the Company, as well as associates of such persons, are loan customers.  Loans to these individuals were made in the ordinary course of business under normal credit terms and do not have more than a normal risk of collection.  Following is a summary of the aggregate amount of such loans during 2013 and 2012.

(000's omitted)
 
2013
  
2012
 
Balance at beginning of year
 
$
8,292
  
$
11,550
 
New loans
  
3,643
   
2,259
 
Payments
  
(2,487
)
  
(5,517
)
Balance at end of year
 
$
9,448
  
$
8,292
 
 
Outstanding principal balance and related carrying amount of acquired loans
Acquired loans
Acquired loans are recorded at fair value as of the date of purchase with no allowance for loan loss.  As discussed in Note B (Acquisitions), the company acquired loans of $1 million on December 13, 2013 in its Bank of America branch acquisition, $54 million on September 7, 2012 in its acquisition of First Niagara branches, $106 million on July 20, 2012 in its HSBC branch acquisition, and $462 million on April 8, 2011 in its acquisition of Wilber.  The outstanding principal balance and the related carrying amount of acquired loans included in the Consolidated Statement of Condition at December 31 are as follows:

(000's omitted)
 
2013
  
2012
 
Credit impaired acquired loans:
    
   Outstanding principal balance
 
$
13,052
  
$
19,940
 
   Carrying amount
  
7,090
   
13,761
 
         
Non-impaired acquired loans:
        
   Outstanding principal balance
  
342,542
   
449,739
 
   Carrying amount
  
330,118
   
433,594
 
         
Total acquired loans:
        
   Outstanding principal balance
  
355,594
   
469,679
 
   Carrying amount
  
337,208
   
447,355
 
Schedule of accretable discount related to credit impaired acquired loans
The outstanding balance related to credit impaired acquired loans was $15.5 million and $22.4 million at December 31, 2013 and 2012, respectively.  The changes in the accretable discount related to the credit impaired acquired loans are as follows:

(000's omitted)
 
2013
  
2012
 
Balance at beginning of year
 
$
1,770
  
$
2,610
 
Accretion recognized
  
(1,025
)
  
(1,418
)
Net reclassification to accretable from nonaccretable
  
252
   
578
 
Balance at end of year
 
$
997
  
$
1,770
 
Aged analysis of the company's past due loans by class
Management monitors the credit quality of its loan portfolio on an ongoing basis.  Measurement of delinquency and past due status are based on the contractual terms of each loan.  Past due loans are reviewed on a monthly basis to identify loans for non-accrual status.  The following is an aged analysis of the Company’s past due loans by class as of December 31, 2013:

Legacy Loans (excludes loans acquired after January 1, 2009)

(000’s omitted)
 
Past Due
30 - 89
days
  
90+ Days Past
Due and
Still Accruing
  
Nonaccrual
  
Total
Past Due
  
Current
  
Total Loans
 
Consumer mortgage
 
$
16,589
  
$
1,253
  
$
11,097
  
$
28,939
  
$
1,473,320
  
$
1,502,259
 
Business lending
  
2,960
   
164
   
3,083
   
6,207
   
1,079,818
   
1,086,025
 
Consumer indirect
  
11,647
   
738
   
14
   
12,399
   
723,878
   
736,277
 
Consumer direct
  
1,858
   
90
   
4
   
1,952
   
169,452
   
171,404
 
Home equity
  
2,635
   
173
   
1,867
   
4,675
   
271,235
   
275,910
 
Total
 
$
35,689
  
$
2,418
  
$
16,065
  
$
54,172
  
$
3,717,703
  
$
3,771,875
 

Acquired Loans (includes loans acquired after January 1, 2009)

 
(000’s omitted)
 
Past Due
30 - 89
days
  
90+ Days Past
Due and
Still Accruing
  
Nonaccrual
  
Total
Past Due
  
Acquired Impaired(1)
  
Current
  
Total Loans
 
Consumer mortgage
 
$
1,857
  
$
85
  
$
1,463
  
$
3,405
  
$
0
  
$
76,394
  
$
79,799
 
Business lending
  
531
   
0
   
1,472
   
2,003
   
7,090
   
165,246
   
174,339
 
Consumer indirect
  
157
   
17
   
0
   
174
   
0
   
3,551
   
3,725
 
Consumer direct
  
385
   
27
   
0
   
412
   
0
   
8,323
   
8,735
 
Home equity
  
592
   
8
   
473
   
1,073
   
0
   
69,537
   
70,610
 
Total
 
$
3,522
  
$
137
  
$
3,408
  
$
7,067
  
$
7,090
  
$
323,051
  
$
337,208
 
 
(1) Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on acquired impaired loans.
The following is an aged analysis of the Company’s past due loans by class as of December 31, 2012:

Legacy Loans (excludes loans acquired after January 1, 2009)

(000’s omitted)
 
Past Due
30 - 89
days
  
90+ Days Past
Due and
Still Accruing
  
Nonaccrual
  
Total
Past Due
  
Current
  
Total Loans
 
Consumer mortgage
 
$
16,334
  
$
1,553
  
$
8,866
  
$
26,753
  
$
1,318,534
  
$
1,345,287
 
Business lending
  
6,012
   
167
   
12,010
   
18,189
   
984,665
   
1,002,854
 
Consumer indirect
  
9,743
   
73
   
0
   
9,816
   
627,541
   
637,357
 
Consumer direct
  
1,725
   
71
   
8
   
1,804
   
154,462
   
156,266
 
Home equity
  
4,124
   
491
   
1,044
   
5,659
   
270,798
   
276,457
 
Total
 
$
37,938
  
$
2,355
  
$
21,928
  
$
62,221
  
$
3,356,000
  
$
3,418,221
 

Acquired Loans (includes loans acquired after January 1, 2009)

 
(000’s omitted)
 
Past Due
30 - 89
days
  
90+ Days Past
Due and
Still Accruing
  
Nonaccrual
  
Total
Past Due
  
Acquired Impaired(1)
  
Current
  
Total Loans
 
Consumer mortgage
 
$
1,726
  
$
265
  
$
2,420
  
$
4,411
  
$
0
  
$
98,717
  
$
103,128
 
Business lending
  
3,665
   
80
   
1,681
   
5,426
   
13,761
   
211,903
   
231,090
 
Consumer indirect
  
434
   
0
   
0
   
434
   
0
   
9,727
   
10,161
 
Consumer direct
  
470
   
0
   
0
   
470
   
0
   
14,738
   
15,208
 
Home equity
  
959
   
48
   
331
   
1,338
   
0
   
86,430
   
87,768
 
Total
 
$
7,254
  
$
393
  
$
4,432
  
$
12,079
  
$
13,761
  
$
421,515
  
$
447,355
 
 
(1) Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on acquired impaired loans.
Schedule of business lending loans by credit quality category
The following table shows the amount of business lending loans by credit quality category:

   
December 31, 2013
  
December 31, 2012
 
(000’s omitted)
 
Legacy
  
Acquired
  
Total
  
Legacy
  
Acquired
  
Total
 
Pass
 
$
908,885
  
$
116,271
  
$
1,025,156
  
$
818,469
  
$
144,869
  
$
963,338
 
Special mention
  
93,600
   
24,264
   
117,864
   
92,739
   
32,328
   
125,067
 
Classified
  
83,379
   
26,714
   
110,093
   
90,035
   
40,132
   
130,167
 
Doubtful
  
161
   
0
   
161
   
1,611
   
0
   
1,611
 
Acquired impaired
  
0
   
7,090
   
7,090
   
0
   
13,761
   
13,761
 
Total
 
$
1,086,025
  
$
174,339
  
$
1,260,364
  
$
1,002,854
  
$
231,090
  
$
1,233,944
 
Schedule of loans by credit quality indicator
The following tables detail the balances in all loan categories except for business lending at December 31, 2013:
 
Legacy loans (excludes loans acquired after January 1, 2009)
 
(000’s omitted)
 
Consumer
Mortgage
  
Consumer Indirect
  
Consumer Direct
  
Home Equity
  
Total
 
Performing
 
$
1,489,909
  
$
735,525
  
$
171,310
  
$
273,870
  
$
2,670,614
 
Nonperforming
  
12,350
   
752
   
94
   
2,040
   
15,236
 
Total
 
$
1,502,259
  
$
736,277
  
$
171,404
  
$
275,910
  
$
2,685,850
 

Acquired loans (includes loans acquired after January 1, 2009)
 
(000’s omitted)
 
Consumer
Mortgage
  
Consumer Indirect
  
Consumer Direct
  
Home Equity
  
Total
 
Performing
 
$
78,251
  
$
3,708
  
$
8,708
  
$
70,129
  
$
160,796
 
Nonperforming
  
1,548
   
17
   
27
   
481
   
2,073
 
Total
 
$
79,799
  
$
3,725
  
$
8,735
  
$
70,610
  
$
162,869
 

The following table details the balances in all other loan categories at December 31, 2012:

Legacy loans (excludes loans acquired after January 1, 2009)
 
(000’s omitted)
 
Consumer
Mortgage
  
Consumer Indirect
  
Consumer Direct
  
Home Equity
  
Total
 
Performing
 
$
1,334,868
  
$
637,284
  
$
156,187
  
$
274,922
  
$
2,403,261
 
Nonperforming
  
10,419
   
73
   
79
   
1,535
   
12,106
 
Total
 
$
1,345,287
  
$
637,357
  
$
156,266
  
$
276,457
  
$
2,415,367
 

Acquired loans (includes loans acquired after January 1, 2009
 
(000’s omitted)
 
Consumer
Mortgage
  
Consumer Indirect
  
Consumer Direct
  
Home Equity
  
Total
 
Performing
 
$
100,443
  
$
10,161
  
$
15,208
  
$
87,389
  
$
213,201
 
Nonperforming
  
2,685
   
0
   
0
   
379
   
3,064
 
Total
 
$
103,128
  
$
10,161
  
$
15,208
  
$
87,768
  
$
216,265
 
Summary of non-business impaired loans
All loan classes are collectively evaluated for impairment except business lending, as described in Note A.  A summary of impaired loans, excluding purchased impaired, as of December 31, 2013 and 2012 are summarized as follows:

(000’s omitted)
 
2013
  
2012
 
Loans with reserve
 
$
945
  
$
1,611
 
Loans without reserve
  
600
   
7,798
 
Carrying balance
  
1,545
   
9,409
 
Contractual balance
  
1,852
   
12,804
 
Specifically allocated allowance
  
50
   
800
 
Average impaired loans
  
10,729
   
19,787
 
Interest income recognized
  
18
   
185
 
Troubled debt restructurings on financing receivables
Information regarding troubled debt restructurings as of December 31, 2013 and December 31, 2012 is as follows
 
 
December 31, 2013
 
December 31, 2012
(000’s omitted)
Nonaccrual
Accruing
Total
 
Nonaccrual
Accruing
Total
 
#
Amount
#
Amount
#
Amount
 
#
Amount
#
Amount
#
Amount
Consumer mortgage
31
$1,682
48
$2,171
79
$3,853
 
3
$160
45
$2,074
48
$2,234
Business lending
4
162
1
47
5
209
 
10
3,046
0
0
10
3,046
Consumer indirect
0
0
98
692
98
692
 
0
0
106
718
106
718
Consumer direct
0
0
46
116
46
116
 
0
0
19
116
19
116
Home equity
12
202
20
363
32
565
 
5
70
19
266
24
336
Total
47
$2,046
213
$3,389
260
$5,435
 
18
$3,276
189
$3,174
207
$6,450

The following table presents information related to loans modified in a TDR during the years ended December 31, 2013 and 2012.  Of the loans noted in the table below, all loans for the year ended December 31, 2012 and all but two loans for the year ended December 31, 2013, were modified due to a Chapter 7 bankruptcy as described previously.  The others were a business loan restructured via an extension of term and a consumer mortgage restructured via an extension of term and a rate concession.  The financial effects of these restructurings were immaterial.

 
December 31, 2013
 
December 31, 2012
(000’s omitted)
#
Amount
 
#
Amount
Consumer mortgage
31
$1,758
 
23
$1,176
Business lending
3
183
 
9
2,709
Consumer indirect
36
327
 
47
281
Consumer direct
22
75
 
13
95
Home equity
14
298
 
12
126
Total
106
$2,641
 
104
$4,387
Schedule of allowance for loan losses by class
The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.  The following presents by class the activity in the allowance for loan losses:

   
Consumer
  
Business
  
Home
  
Consumer
  
Consumer
    
Acquired
   
(000’s omitted)
 
Mortgage
  
Lending
  
Equity
  
Indirect
  
Direct
  
Unallocated
  
Impaired
  
Total
 
Balance at
December 31, 2011
 
$
4,651
  
$
20,574
  
$
1,130
  
$
8,960
  
$
3,290
  
$
3,222
  
$
386
  
$
42,213
 
Charge-offs
  
(1,004
)
  
(5,654
)
  
(423
)
  
(5,407
)
  
(1,694
)
  
0
   
0
   
(14,182
)
Recoveries
  
59
   
1,295
   
23
   
3,551
   
821
   
0
   
0
   
5,749
 
Provision
  
3,364
   
1,798
   
721
   
2,502
   
886
   
(556
)
  
393
   
9,108
 
Balance at
December 31, 2012
  
7,070
   
18,013
   
1,451
   
9,606
   
3,303
   
2,666
   
779
   
42,888
 
Charge-offs
  
(1,012
)
  
(2,788
)
  
(650
)
  
(4,544
)
  
(1,954
)
  
0
   
(883
)
  
(11,831
)
Recoveries
  
36
   
692
   
20
   
3,488
   
1,034
   
0
   
0
   
5,270
 
Provision
  
2,900
   
1,590
   
1,009
   
1,698
   
798
   
(637
)
  
634
   
7,992
 
Balance at
December 31, 2013
 
$
8,994
  
$
17,507
  
$
1,830
  
$
10,248
  
$
3,181
  
$
2,029
  
$
530
  
$
44,319
 
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FAIR VALUE (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Available-for-sale investment securities:    
Fair value $ 2,186,163,000 $ 2,121,394,000
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]    
Discount on appraisal value of foreclosed real estate, minimum (in hundredths) 11.00%  
Discount on appraisal value of foreclosed real estate, maximum (in hundredths) 54.00%  
Mortgage Servicing Rights, Valuation Allowance 0  
Fair value of MSRs at end of period 1,495,000  
Impaired Loans Valuation Allowance 0  
Carrying value before valuation allowance at end of period 1,218,000  
Recurring [Member]
    
Available-for-sale investment securities:    
U.S. Treasury and agency securities 1,212,147,000 1,079,257,000
Obligations of state and political subdivisions 668,982,000 662,892,000
Government agency mortgage-backed securities 254,978,000 269,951,000
Pooled trust preferred securities   49,600,000
Government agency collateralized mortgage obligations 22,048,000 33,935,000
Corporate debt securities 27,587,000 25,357,000
Marketable equity securities 421,000 402,000
Fair value 2,186,163,000 2,121,394,000
Mortgages loans held for sale 728,000  
Commitments to originate real estate loans for sale 44,000  
Forward sales commitments 27,000  
Total 2,186,962,000  
Recurring [Member] | Level 1 [Member]
    
Available-for-sale investment securities:    
U.S. Treasury and agency securities 1,182,261,000 891,803,000
Obligations of state and political subdivisions 0 0
Government agency mortgage-backed securities 0 0
Pooled trust preferred securities   0
Government agency collateralized mortgage obligations 0 0
Corporate debt securities 0 0
Marketable equity securities 421,000 402,000
Fair value 1,182,682,000 892,205,000
Mortgages loans held for sale 0  
Commitments to originate real estate loans for sale 0  
Forward sales commitments 0  
Total 1,182,682,000  
Recurring [Member] | Level 2 [Member]
    
Available-for-sale investment securities:    
U.S. Treasury and agency securities 29,886,000 187,454,000
Obligations of state and political subdivisions 668,982,000 662,892,000
Government agency mortgage-backed securities 254,978,000 269,951,000
Pooled trust preferred securities   0
Government agency collateralized mortgage obligations 22,048,000 33,935,000
Corporate debt securities 27,587,000 25,357,000
Marketable equity securities 0 0
Fair value 1,003,481,000 1,179,589,000
Mortgages loans held for sale 728,000  
Commitments to originate real estate loans for sale 0  
Forward sales commitments 27,000  
Total 1,004,236,000  
Recurring [Member] | Level 3 [Member]
    
Available-for-sale investment securities:    
U.S. Treasury and agency securities 0 0
Obligations of state and political subdivisions 0 0
Government agency mortgage-backed securities 0 0
Pooled trust preferred securities   49,600,000
Government agency collateralized mortgage obligations 0 0
Corporate debt securities 0 0
Marketable equity securities 0 0
Fair value 0 49,600,000
Mortgages loans held for sale 0  
Commitments to originate real estate loans for sale 44,000  
Forward sales commitments 0  
Total 44,000  
Nonrecurring [Member]
    
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]    
Impaired loans 600,000 1,186,000
Other real estate owned 5,060,000 4,788,000
Mortgage servicing rights 0 1,028,000
Total 5,660,000 7,002,000
Nonrecurring [Member] | Level 1 [Member]
    
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]    
Impaired loans 0 0
Other real estate owned 0 0
Mortgage servicing rights 0 0
Total 0 0
Nonrecurring [Member] | Level 2 [Member]
    
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]    
Impaired loans 600,000 0
Other real estate owned 0 0
Mortgage servicing rights 0 0
Total 600,000 0
Nonrecurring [Member] | Level 3 [Member]
    
Assets and Liabilities Measured on Nonrecurring Basis [Abstract]    
Impaired loans 0 1,186,000
Other real estate owned 5,060,000 4,788,000
Mortgage servicing rights 0 1,028,000
Total $ 5,060,000 $ 7,002,000
XML 27 R57.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Property, Plant and Equipment [Line Items]    
Premises and equipment, Gross $ 186,512 $ 179,783
Accumulated depreciation (92,876) (89,845)
Premises and equipment, net 93,636 89,938
Land and Land Improvements [Member]
    
Property, Plant and Equipment [Line Items]    
Premises and equipment, Gross 15,714 15,480
Bank Premises [Member]
    
Property, Plant and Equipment [Line Items]    
Premises and equipment, Gross 95,275 90,899
Equipment and Construction in Progress [Member]
    
Property, Plant and Equipment [Line Items]    
Premises and equipment, Gross $ 75,523 $ 73,404
XML 28 R76.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE, Balance Sheet Grouping (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Carrying Value [Member]
    
Financial assets [Abstract]    
Net loans $ 4,064,764 $ 3,822,688
Financial liabilities [Abstract]    
Deposits 5,896,044 5,628,039
Borrowings 141,913 728,061
Subordinated debt held by unconsolidated subsidiary trusts 102,097 102,073
Fair Value [Member]
    
Financial assets [Abstract]    
Net loans 4,044,449 3,881,354
Financial liabilities [Abstract]    
Deposits 5,898,138 5,635,320
Borrowings 141,913 820,377
Subordinated debt held by unconsolidated subsidiary trusts $ 109,284 $ 97,899
XML 29 R77.htm IDEA: XBRL DOCUMENT v2.4.0.8
DERIVATIVE INSTRUMENTS (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Derivative Instruments, Gain (Loss) [Line Items]  
Derivative, Gain (Loss) $ 71
Not Designated as Hedging Instrument [Member]
  
Derivatives, Estimated Fair Value and Balance Sheet Location [Line Items]  
Fair Value 71
Forward sales commitments [Member] | Mortgage banking and other services [Member]
  
Derivative Instruments, Gain (Loss) [Line Items]  
Derivative, Gain (Loss) 27
Commitments to originate real estate loans for sale [Member] | Mortgage banking and other services [Member]
  
Derivative Instruments, Gain (Loss) [Line Items]  
Derivative, Gain (Loss) 44
Other Assets [Member] | Commitments to originate real estate loans for sale [Member] | Not Designated as Hedging Instrument [Member]
  
Derivatives, Estimated Fair Value and Balance Sheet Location [Line Items]  
Derivative, Notional Amount 2,946
Fair Value 44
Other Liabilities [Member] | Forward sales commitments [Member] | Not Designated as Hedging Instrument [Member]
  
Derivatives, Estimated Fair Value and Balance Sheet Location [Line Items]  
Derivative, Notional Amount 2,508
Fair Value $ 27
XML 30 R71.htm IDEA: XBRL DOCUMENT v2.4.0.8
REGULATORY MATTERS (Details) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2013
Dec. 31, 2012
Total core capital to risk-weighted assets [Abstract]    
Minimum total core capital to risk-weighted assets for capital adequacy (in hundredths) 8.00%  
Minimum Tier I capital to risk-weighted assets for capital adequacy (in hundredths) 4.00%  
Minimum Tier I capital to average assets for capital adequacy (in hundredths) 4.00%  
Minimum total core capital to risk-weighted assets to be well capitalized (in hundredths) 10.00%  
Minimum Tier I capital to risk-weighted assets to be well capitalized (in hundredths) 6.00%  
Minimum Tier I capital to average assets to be well capitalized (in hundredths) 5.00%  
Community Bank System, Inc [Member]
    
Tier 1 capital to average assets [Abstract]    
Tier 1 Capital $ 643,286 $ 588,220
Tier 1 capital to average assets (in hundredths) 9.29% 8.40%
Minimum required amount 276,918 280,151
Tier 1 capital to risk-weighted assets [Abstract]    
Tier 1 Capital 643,286 588,220
Tier 1 capital to risk-weighted assets (in hundredths) 16.42% 15.09%
Minimum required amount 156,661 155,904
Total core capital to risk-weighted assets [Abstract]    
Core Capital 687,946 631,409
Total core capital to risk-weighted assets (in hundredths) 17.57% 16.20%
Minimum required amount 313,322 311,808
Community Bank, N.A. [Member]
    
Tier 1 capital to average assets [Abstract]    
Tier 1 Capital 547,464 530,753
Tier 1 capital to average assets (in hundredths) 7.93% 7.60%
Minimum required amount 276,226 279,524
Tier 1 capital to risk-weighted assets [Abstract]    
Tier 1 Capital 547,464 530,753
Tier 1 capital to risk-weighted assets (in hundredths) 14.03% 13.66%
Minimum required amount 156,083 155,392
Total core capital to risk-weighted assets [Abstract]    
Core Capital 592,124 573,942
Total core capital to risk-weighted assets (in hundredths) 15.17% 14.77%
Minimum required amount $ 312,166 $ 310,784
XML 31 R25.htm IDEA: XBRL DOCUMENT v2.4.0.8
REGULATORY MATTERS
 12 Months Ended
Dec. 31, 2013
REGULATORY MATTERS [Abstract]  
REGULATORY MATTERS
NOTE P:  REGULATORY MATTERS

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies.  Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s financial statements.  Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices.  The Company’s and the Bank's capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company and Bank to maintain minimum total core capital to risk-weighted assets of 8%, and Tier I capital to risk-weighted assets and Tier I capital to average assets of 4%.  Management believes, as of December 31, 2013, that the Company and Bank meet all capital adequacy requirements to which they are subject.

As of December 31, 2013, the most recent notification from the Office of the Comptroller of the Currency (“OCC”) categorized the Company and Bank as “well capitalized” under the regulatory framework for prompt corrective action.  To be categorized as “well capitalized,” the Company and Bank must maintain minimum total core capital to risk-weighted assets of 10%, Tier I capital to risk-weighted assets of 6% and Tier I capital to average assets of 5%.  There are no conditions or events since that notification that management believes have changed the institution’s category.  Except in connection with the regulatory approval of the Citizens branch acquisition in November 2008 by the OCC, there were no significant capital requirements imposed or agreed to during the regulatory approval process of any of our acquisitions.  In connection with the Citizens acquisition, the Bank agreed to an approval condition to maintain capital at the “well-capitalized” level.

The capital ratios and amounts of the Company and the Bank as of December 31 are presented below:

  
2013
  
2012
 
(000's omitted)
 
Company
  
Bank
  
Company
  
Bank
 
Tier 1 capital to average assets
        
  Amount
 
$
643,286
  
$
547,464
  
$
588,220
  
$
530,753
 
  Ratio
  
9.29
%
  
7.93
%
  
8.40
%
  
7.60
%
  Minimum required amount
 
$
276,918
  
$
276,226
  
$
280,151
  
$
279,524
 
                 
Tier 1 capital to risk-weighted assets
        
  Amount
 
$
643,286
  
$
547,464
  
$
588,220
  
$
530,753
 
  Ratio
  
16.42
%
  
14.03
%
  
15.09
%
  
13.66
%
  Minimum required amount
 
$
156,661
  
$
156,083
  
$
155,904
  
$
155,392
 
                 
Total core capital to risk-weighted assets
                
  Amount
 
$
687,946
  
$
592,124
  
$
631,409
  
$
573,942
 
  Ratio
  
17.57
%
  
15.17
%
  
16.20
%
  
14.77
%
  Minimum required amount
 
$
313,322
  
$
312,166
  
$
311,808
  
$
310,784
 
XML 32 R50.htm IDEA: XBRL DOCUMENT v2.4.0.8
ACQUISITIONS (Details) (USD $)
 12 Months Ended 0 Months Ended 12 Months Ended 1 Months Ended 12 Months Ended 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2013
Maximum [Member]
Core Deposits [Member]
Dec. 31, 2013
Maximum [Member]
Core Deposits From Acquisitions [Member]
Dec. 31, 2013
Maximum [Member]
Other Intangibles [Member]
Dec. 31, 2013
Minimum [Member]
Core Deposits [Member]
Dec. 31, 2013
Minimum [Member]
Core Deposits From Acquisitions [Member]
Dec. 31, 2013
Minimum [Member]
Other Intangibles [Member]
Apr. 08, 2011
Wilber Corporation [Member]
Branch
Apr. 08, 2011
Wilber Corporation [Member]
Acquired Impaired Loans [Member]
Apr. 08, 2011
Wilber Corporation [Member]
Acquired Non-Impaired Loans [Member]
Dec. 31, 2011
Combined CAI Benefits and Wilber Corporation Acquisitions [Member]
Nov. 30, 2011
CAI Benefits [Member]
Dec. 31, 2012
HSBC and First Niagara [Member]
Jul. 20, 2012
HSBC and First Niagara [Member]
Jul. 20, 2012
HSBC and First Niagara [Member]
Acquired Impaired Loans [Member]
Jul. 20, 2012
HSBC and First Niagara [Member]
Acquired Non-Impaired Loans [Member]
Jul. 20, 2012
HSBC Branch Agreement [Member]
Branch
Sep. 07, 2012
First Niagara Branch Agreement [Member]
Branch
Dec. 31, 2013
Bank of America Agreement [Member]
Dec. 13, 2013
Bank of America Agreement [Member]
Branch
Business Acquisition [Line Items]                                            
Number of new branch locations included in acquisition or purchase agreement                   22                 16 3   8
Loans acquired                   $ 462,300,000                 $ 106,000,000 $ 54,000,000   $ 1,000,000
Deposits acquired                                     697,000,000 101,000,000   303,000,000
Blended deposit premium (in hundredths)                                     3.40% 3.10%   2.40%
Total deposit premium paid                                     24,000,000 3,000,000   7,300,000
Business acquisition, description of acquired entity                           certain assets and liabilities of CAI Benefits, Inc. ("CAI"), a provider of actuarial, consulting and retirement plan administration services, with offices in New York City and Northern New Jersey.                
Assets acquired                           1,400,000                
Liabilities acquired                           200,000                
Issuance of shares of common stock (in shares)                   3,350,000                        
Cash portion of purchase price                   20,400,000     22,155,000   (595,462,000)           (291,980,000)  
Loans                   462,300,000     462,334,000   160,116,000           1,106,000  
Investment securities                   297,600,000     297,573,000   0           0  
Deposits                   771,600,000     771,554,000   797,962,000           303,456,000  
Borrowings                   19,700,000     19,668,000   0           0  
Consideration received [Abstract]                                            
Community Bank System, Inc. common stock                         82,580,000   0           0  
Cash portion of purchase price                   20,400,000     22,155,000   (595,462,000)           (291,980,000)  
Total net consideration paid (received)                   103,000,000     104,735,000   (595,462,000)           (291,980,000)  
Recognized amounts of identifiable assets acquired and liabilities assumed [Abstract]                                            
Cash and cash equivalents                         26,901,000   5,510,000           0  
Investment securities                   297,600,000     297,573,000   0           0  
Loans                   462,300,000     462,334,000   160,116,000           1,106,000  
Premises and equipment                         6,360,000   4,941,000           2,549,000  
Accrued interest receivable                         2,615,000   588,000           5,000  
Other assets/(liabilities), net                         46,942,000   171,000           (18,000)  
Core deposit intangibles                         4,016,000   6,521,000           2,537,000  
Other intangibles                         1,858,000   0           9,000  
Deposits                   (771,600,000)     (771,554,000)   (797,962,000)           (303,456,000)  
Borrowings                   (19,700,000)     (19,668,000)   0           0  
Total identifiable assets/(liabilities), net                         57,377,000   (620,115,000)           (297,268,000)  
Goodwill 374,991,000 369,703,000 345,050,000                   47,358,000   24,653,000           5,288,000  
Summary of loans acquired [Abstract]                                            
Contractually required principal and interest at acquisition                   722,246,000 41,730,000 680,516,000       201,745,000 0 201,745,000        
Contractual cash flows not expected to be collected                   (51,176,000) (20,061,000) (31,115,000)       (3,555,000) 0 (3,555,000)        
Expected cash flows at acquisition                   671,070,000 21,669,000 649,401,000       198,190,000 0 198,190,000        
Interest component of expected cash flows                   (208,736,000) (2,509,000) (206,227,000)       (38,074,000) 0 (38,074,000)        
Fair value of acquired loans                   462,334,000 19,160,000 443,174,000       160,116,000 0 160,116,000        
Merger and acquisition integration related expenses $ 2,200,000 $ 5,700,000 $ 4,800,000                                      
Finite-Lived Intangible Assets [Line Items]                                            
Estimated useful life of core deposit intangible and other intangible       20 years 10 years 10 years 7 years 8 years 8 years                          
XML 33 R42.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Tables)
 12 Months Ended
Dec. 31, 2013
COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]  
Off-Balance-Sheet Financial instruments contract amount
The contract amount of commitments and contingencies is as follows at December 31:

 (000's omitted)
 
2013
  
2012
 
Commitments to extend credit
 
$
704,904
  
$
750,178
 
Standby letters of credit
  
24,449
   
24,168
 
     Total
 
$
729,353
  
$
774,346
 
XML 34 R75.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUE, Valuation Techniques (Details) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Pooled Trust Preferred Securities [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis, Valuation Techniques [Line Items]    
Fair value of assets classified as Level 3   $ 49,600
Pooled Trust Preferred Securities, Valuation Techniques   Consensus pricing
Significant Unobservable Inputs, Inputs Description   Weighting of offered quotes
Significant Unobservable Input Range, Minimum (in hundredths)   65.30%
Significant Unobservable Input Range, Maximum (in hundredths)   85.10%
Significant Unobservable Input Range, Weighted Average (in hundredths)   78.40%
Impaired Loans [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis, Valuation Techniques [Line Items]    
Fair value of assets classified as Level 3   1,186
Impaired Loans, Valuation Techniques   Fair value of collateral
Significant Unobservable Inputs, Inputs Description   Estimated cost of disposal/market adjustment
Significant Unobservable Input Range, Minimum (in hundredths)   25.00%
Significant Unobservable Input Range, Maximum (in hundredths)   50.00%
Significant Unobservable Input Range, Weighted Average (in hundredths)   27.50%
Other Real Estate Owned [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis, Valuation Techniques [Line Items]    
Fair value of assets classified as Level 3 5,060 4,788
Other Real Estate Owned, Valuation Techniques Fair value of collateral Fair value of collateral
Significant Unobservable Inputs, Inputs Description Estimated cost of disposal/market adjustment Estimated cost of disposal/market adjustment
Significant Unobservable Input Range, Minimum (in hundredths) 11.00% 11.00%
Significant Unobservable Input Range, Maximum (in hundredths) 54.40% 60.20%
Significant Unobservable Input Range, Weighted Average (in hundredths) 28.10% 19.90%
Mortgage Servicing Rights [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis, Valuation Techniques [Line Items]    
Fair value of assets classified as Level 3   1,028
Mortgage Servicing Rights, Valuation Techniques   Discounted cash flow
Significant Unobservable Inputs, Inputs Description   Weighted average constant prepayment rate
Constant Prepayment Input Range Minimum (in hundredths)   1.10%
Constant Prepayment Input Range Maximum (in hundredths)   39.60%
Constant Prepayment Input Range Weighted Average (in hundredths)   34.40%
Weighted average discount rate Minimum (in hundredths)   2.50%
Weighted average discount rate Maximum (in hundredths)   3.30%
Weighted average discount rate Weighted Average (in hundredths)   3.10%
Adequate Compensation Input Range   $7/loan
Commitments To Originate Real Estate Loans For Sale [Member]
    
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis, Valuation Techniques [Line Items]    
Fair value of assets classified as Level 3 $ 44  
Impaired Loans, Valuation Techniques Discounted cash flow  
Significant Unobservable Inputs, Inputs Description Embedded servicing value  
Significant Unobservable Input Range, Weighted Average (in hundredths) 1.00%  
XML 35 R37.htm IDEA: XBRL DOCUMENT v2.4.0.8
BORROWINGS (Tables)
 12 Months Ended
Dec. 31, 2013
BORROWINGS [Abstract]  
Outstanding borrowings
Outstanding borrowings at December 31 are as follows:

(000's omitted)
 
2013
  
2012
 
  FHLB overnight advance
 
$
141,900
  
$
0
 
  FHLB term advances
  
0
   
728,034
 
  Capital lease obligations
  
13
   
27
 
  Subordinated debt held by unconsolidated subsidiary trusts,
        
    net of discount of $430 and $454, respectively
  
102,097
   
102,073
 
        Total borrowings
 
$
244,010
  
$
830,134
 
Borrowings by maturity date
Borrowings at December 31, 2013 have contractual maturity dates as follows:

(000's omitted, except rate)
 
Carrying Value
  
Weighted-average
Rate at
December 31, 2013
 
January 2, 2014
 
$
141,900
   
0.40
%
February 1, 2015
  
13
   
3.25
%
July 31, 2031
  
24,777
   
3.82
%
December 15, 2036
  
77,320
   
1.89
%
   Total
 
$
244,010
   
1.22
%
Preferred securities
The terms of the preferred securities of each trust are as follows:

 
Issuance
Par
Interest
Maturity
Call
Trust
Date
Amount
Rate
Date
Price
III
7/31/2001
$24.5 million
3 month LIBOR plus 3.58% (3.82%)
7/31/2031
Par
IV
12/8/2006
$75 million
3 month LIBOR plus 1.65% (1.89%)
12/15/2036
  Par
XML 36 R52.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS, Loan Summary (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Apr. 08, 2011
Wilber Corporation [Member]
Jul. 20, 2012
HSBC Branch Agreement [Member]
Sep. 07, 2012
First Niagara Branch Agreement [Member]
Dec. 13, 2013
Bank of America Agreement [Member]
Dec. 31, 2013
Consumer Mortgage [Member]
Dec. 31, 2012
Consumer Mortgage [Member]
Dec. 31, 2013
Business Lending [Member]
Dec. 31, 2012
Business Lending [Member]
Dec. 31, 2013
Consumer Indirect [Member]
Dec. 31, 2012
Consumer Indirect [Member]
Dec. 31, 2013
Consumer Direct [Member]
Dec. 31, 2012
Consumer Direct [Member]
Dec. 31, 2013
Home Equity [Member]
Dec. 31, 2012
Home Equity [Member]
Loans receivable, net [Abstract]                                  
Typical contract term of consumer mortgages, minimum 15 years                                
Typical contract term of consumer mortgages, maximum 30 years                                
Typical contract term of home equity loans, maximum 30 years                                
Gross loans, including deferred origination costs $ 4,109,083,000 $ 3,865,576,000           $ 1,582,058,000 $ 1,448,415,000 $ 1,260,364,000 $ 1,233,944,000 $ 740,002,000 $ 647,518,000 $ 180,139,000 $ 171,474,000 $ 346,520,000 $ 364,225,000
Allowance for loan losses (44,319,000) (42,888,000) (42,213,000)                            
Net loans 4,064,764,000 3,822,688,000                              
Net deferred loan origination costs 18,500,000 16,500,000                              
Loans receivable, related parties [Roll Forward]                                  
Balance at beginning of year 8,292,000 11,550,000                              
New loans 3,643,000 2,259,000                              
Payments (2,487,000) (5,517,000)                              
Balance at end of year 9,448,000 8,292,000                              
Business Acquisition [Line Items]                                  
Loans Acquired       462,300,000 106,000,000 54,000,000 1,000,000                    
Credit impaired acquired loans: [Abstract]                                  
Outstanding principal balance 13,052,000 19,940,000                              
Carrying amount 7,090,000 13,761,000                              
Non-impaired acquired loans [Abstract]                                  
Outstanding principal balance 342,542,000 449,739,000                              
Carrying amount 330,118,000 433,594,000                              
Total acquired loans [Abstract]                                  
Outstanding principal balance 355,594,000 469,679,000                              
Carrying amount 337,208,000 447,355,000                              
Certain loans acquired in transfer credit impaired loans 15,500,000 22,400,000                              
Accretable discount related to acquired loans [Roll forward]                                  
Beginning Balance 1,770,000 2,610,000                              
Accretion recognized (1,025,000) (1,418,000)                              
Net reclassification to accretable from nonaccretable 252,000 578,000                              
Ending Balance $ 997,000 $ 1,770,000                              
XML 37 R67.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK-BASED COMPENSATION PLANS (Details) (USD $)
In Millions, except Share data, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
May 25, 2011
STOCK-BASED COMPENSATION PLANS [Abstract]        
Shares of common stock authorized for stock-based compensation plan (in shares) 4,000,000      
Additional shares of common stock authorized for stock-based compensation plan ( in shares)       900,000
Number of shares available for grant (in shares) 1,008,234      
Term of options 10 years      
Options vesting period 5 years      
Options [Abstract]        
Options outstanding, Shares (in shares) 2,274,891      
Options outstanding, Weighted-average Exercise Price (in dollars per share) $ 24.03      
Options outstanding, Weighted-average Remaining Life (years) 5 years 9 months 22 days      
Options exercisable, Shares (in shares) 1,478,489      
Options exercisable, Weighted-average Exercise Price (in dollars per share) $ 22.40      
Weighted-average remaining contractual term of outstanding stock options (in years) 5 years 9 months 18 days      
Weighted-average remaining contractual term of outstanding and exercisable stock options (in years) 4 years 8 months 12 days      
Aggregate intrinsic value of outstanding stock options $ 35.6      
Aggregate intrinsic value of exercisable stock options 25.5      
Fair value assumptions and methodology [Abstract]        
Fair value assumptions, method used Black-Scholes model Black-Scholes model Black-Scholes model  
Weighted-average fair value of options granted (in dollars per share) $ 6.24 $ 6.40 $ 6.69  
Assumptions [Abstract]        
Weighted-average expected life 7 years 2 months 23 days 7 years 4 months 24 days 7 years 8 months 19 days  
Future dividend yield (in hundredths) 3.90% 3.90% 3.90%  
Share price volatility (in hundredths) 31.21% 31.79% 32.12%  
Weighted-average risk-free interest rate (in hundredths) 1.91% 2.34% 3.34%  
Unrecognized stock-based compensation expense 3.5      
Weighted average period for recognition of unrecognized compensation cost (in years) 2 years 10 months 24 days      
Total fair value of shares vested 2.0 1.7 1.8  
Proceeds from stock option exercises 16.0 9.6    
Related tax benefits from stock option exercises 1.6 1.1    
Shares issued in connection with stock option exercise (in shares) 680,705 479,353    
Total intrinsic value of options exercised 7.9 4.9 2.3  
$0.00 - $18.00 [Member]
        
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]        
Exercise price range, lower range limit (in dollars per share) $ 0      
Exercise price range, upper range limit (in dollars per share) $ 18.00      
Options [Abstract]        
Options outstanding, Shares (in shares) 176,801      
Options outstanding, Weighted-average Exercise Price (in dollars per share) $ 17.59      
Options outstanding, Weighted-average Remaining Life (years) 5 years 1 month 20 days      
Options exercisable, Shares (in shares) 176,801      
Options exercisable, Weighted-average Exercise Price (in dollars per share) $ 17.59      
$18.001 - $23.00 [Member]
        
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]        
Exercise price range, lower range limit (in dollars per share) $ 18.001      
Exercise price range, upper range limit (in dollars per share) $ 23.00      
Options [Abstract]        
Options outstanding, Shares (in shares) 742,163      
Options outstanding, Weighted-average Exercise Price (in dollars per share) $ 19.59      
Options outstanding, Weighted-average Remaining Life (years) 4 years 8 months 26 days      
Options exercisable, Shares (in shares) 588,118      
Options exercisable, Weighted-average Exercise Price (in dollars per share) $ 19.75      
$23.001 - $28.00 [Member]
        
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]        
Exercise price range, lower range limit (in dollars per share) $ 23.001      
Exercise price range, upper range limit (in dollars per share) $ 28.00      
Options [Abstract]        
Options outstanding, Shares (in shares) 667,072      
Options outstanding, Weighted-average Exercise Price (in dollars per share) $ 25.22      
Options outstanding, Weighted-average Remaining Life (years) 4 years 1 month 20 days      
Options exercisable, Shares (in shares) 546,370      
Options exercisable, Weighted-average Exercise Price (in dollars per share) $ 24.75      
$28.001 - $29.00 [Member]
        
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]        
Exercise price range, lower range limit (in dollars per share) $ 28.001      
Exercise price range, upper range limit (in dollars per share) $ 29.00      
Options [Abstract]        
Options outstanding, Shares (in shares) 327,464      
Options outstanding, Weighted-average Exercise Price (in dollars per share) $ 28.78      
Options outstanding, Weighted-average Remaining Life (years) 8 years 2 months 19 days      
Options exercisable, Shares (in shares) 107,915      
Options exercisable, Weighted-average Exercise Price (in dollars per share) $ 28.78      
$29.001 - $30.00 [Member]
        
Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range [Line Items]        
Exercise price range, lower range limit (in dollars per share) $ 29.001      
Exercise price range, upper range limit (in dollars per share) $ 30.00      
Options [Abstract]        
Options outstanding, Shares (in shares) 361,391      
Options outstanding, Weighted-average Exercise Price (in dollars per share) $ 29.79      
Options outstanding, Weighted-average Remaining Life (years) 9 years 2 months 16 days      
Options exercisable, Shares (in shares) 59,285      
Options exercisable, Weighted-average Exercise Price (in dollars per share) $ 29.79      
Stock Options [Member]
        
Options, Outstanding [Roll Forward]        
Outstanding, Beginning Period (in shares) 2,760,723 2,947,215    
Granted (in shares) 369,589 356,765    
Exercised (in shares) (840,556) (526,141)    
Forfeited (in shares) (14,865) (17,116)    
Outstanding, Ending Period (in shares) 2,274,891 2,760,723 2,947,215  
Exercisable (in shares) 1,478,489      
Weighted-average exercise price of shares [Abstract]        
Outstanding, Beginning Period (in dollars per share) $ 22.86 $ 21.43    
Granted (in dollars per share) $ 29.79 $ 28.78    
Exercised (in dollars per share) $ 22.70 $ 18.91    
Forfeited (in dollars per share) $ 24.45 $ 21.47    
Outstanding, Ending Period (in dollars per share) $ 24.03 $ 22.86 $ 21.43  
Exercisable (in dollars per share) $ 22.40      
Stock-based compensation expense related to restricted stock vesting 2.0 1.8 1.8  
Income tax benefit recognized 1.1 0.8 0.8  
Restricted Stock [Member]
        
Weighted-average exercise price of shares [Abstract]        
Stock-based compensation expense related to restricted stock vesting $ 2.0 $ 1.8 $ 2.0  
Restricted Shares [Roll Forward]        
Unvested, beginning balance (in shares) 192,083 269,641    
Awards (in shares) 142,353 64,705    
Forfeitures (in shares) (2,896) (2,743)    
Vestings (in shares) (70,575) (139,520)    
Unvested, ending balance (in shares) 260,965 192,083 269,641  
Weighted-average grant date fair value [Abstract]        
Unvested, beginning balance (in dollars per share) $ 23.98 $ 20.12    
Awards (in dollars per share) $ 22.13 $ 28.77    
Forfeitures (in dollars per share) $ 25.34 $ 23.19    
Vestings (in dollars per share) $ 22.28 $ 18.76    
Unvested, ending balance (in dollars per share) $ 23.42 $ 23.98 $ 20.12  
XML 38 R61.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Current: [Abstract]      
Federal $ 24,202,000 $ 18,875,000 $ 17,145,000
State and other 866,000 830,000 375,000
Deferred: [Abstract]      
Federal 5,806,000 9,051,000 10,674,000
State and other 1,324,000 2,981,000 2,191,000
Provision for income taxes 32,198,000 31,737,000 30,385,000
Components of net deferred tax liability [Abstract]      
Allowance for loan losses 17,246,000 16,755,000  
Employee benefits 6,329,000 6,748,000  
Investment securities 4,882,000 0  
Debt extinguishment 1,215,000 1,517,000  
Other 1,799,000 2,292,000  
Deferred tax asset 31,471,000 27,312,000  
Investment securities 0 58,824,000  
Intangible assets, net 22,095,000 16,648,000  
Loan origination costs 6,883,000 6,069,000  
Depreciation 4,838,000 5,138,000  
Mortgage servicing rights 473,000 399,000  
Pension 21,735,000 5,481,000  
Deferred tax liability 56,024,000 92,559,000  
Net deferred tax liability (24,553,000) (65,247,000)  
Effective tax rate reconciliation [Abstract]      
Federal statutory income tax rate (in hundredths) 35.00% 35.00% 35.00%
Increase (reduction) in taxes resulting from: [Abstract]      
Tax-exempt interest (in hundredths) (6.30%) (7.10%) (7.10%)
State income taxes, net of federal benefit (in hundredths) 1.30% 2.30% 1.60%
Other (in hundredths) (1.00%) (1.00%) (0.10%)
Effective income tax rate (in hundredths) 29.00% 29.20% 29.40%
Unrecognized tax benefits [Roll forward]      
Unrecognized tax benefits at beginning of year 70,000 133,000 98,000
Changes related to: [Abstract]      
Positions taken during the current year 68,000 35,000 35,000
Settlements with taxing authorities 0 (98,000) 0
Lapse of statutes of limitation 0 0 0
Unrecognized tax benefits at end of year 138,000 70,000 133,000
Unrecognized tax benefits that would impact effective tax rate, if recognized $ 100,000    
XML 39 R47.htm IDEA: XBRL DOCUMENT v2.4.0.8
DERIVATIVE INSTRUMENTS (Tables)
 12 Months Ended
Dec. 31, 2013
DERIVATIVE INSTRUMENTS [Abstract]  
Derivative Instruments Fair Value and Balance Sheet Location
The following table presents the Company’s derivative financial instruments, their estimated fair values, and balance sheet location as of December 31, 2013:

(000's omitted)
Location
 
Notional
  
Fair Value
 
Derivatives not designated as hedging instruments:
     
   Forward sales commitments
Other liabilities
 
$
2,508
  
$
27
 
   Commitments to originate real estate loans for sale
Other assets
  
2,946
   
44
 
Total derivatives
      
$
71
 
Derivative Instruments and Location of Net Gain or Loss In Statement of Income
The following table presents the Company’s derivative financial instruments and the location of the net gain or loss recognized in the statement of income for the year ended December 31, 2013:

(000's omitted)
Location
 
Gain Recognized in the Statement of
Income for the Year Ending
December 31, 2013
 
Forward sales commitments
Mortgage banking and other services
 
$
27
 
Commitments to originate real estate loans for sale
Mortgage banking and other services
  
44
 
Total
   
$
71
 
XML 40 R9.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) (USD $)
In Thousands, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Investing activities:      
Cash acquired related to acquisition $ 291,990 $ 5,510 $ 26,901
Financing activities:      
Payment made on borrowings $ 815,384 $ 220 $ 25,938
XML 41 R62.htm IDEA: XBRL DOCUMENT v2.4.0.8
LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES (Details) (USD $)
In Millions, unless otherwise specified
 12 Months Ended
Dec. 31, 2013
LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES [Abstract]  
Criteria for the bank to seek approval of the Office of the Comptroller of the Currency (OCC) for the payments dividends The Company’s ability to pay dividends to its shareholders is largely dependent on the Bank’s ability to pay dividends to the Company. In addition to state law requirements and the capital requirements discussed below, the circumstances under which the Bank may pay dividends are limited by federal statutes, regulations, and policies. For example, as a national bank, the Bank must obtain the approval of the Office of the Comptroller of the Currency (“OCC”) for payments of dividends if the total of all dividends declared in any calendar year would exceed the total of the Bank’s net profits, as defined by applicable regulations, for that year, combined with its retained net profits for the preceding two years.
Undivided profits legally available for the payments of dividends $ 114
Statutory restrictions on the company's banking subsidiary to transfer funds Such transfer by the Bank to the Company generally is limited in amount to 10% of the Bank's capital and surplus, or 20% in the aggregate. Furthermore, such loans and extensions of credit are required to be collateralized in specific amounts.
Percentage of Bank's capital and surplus that can be transferred to Company, maximum (in hundredths) 10.00%
Aggregate percentage of Bank's capital and surplus that can be transferred to Company, maximum (in hundredths) 20.00%
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M;DOGJP4C&=(X99%\9,.OK3(1(;"5_"]8H5]"$LP+QQ9]B)TNN>6@VLBNXNXD MFR*_08!C!)H>PU<(0O[GEZ__@W];FW/G&M@VY[O\E55X]'Z0)2\)!D<[UKZ[ M%#9,:T$-#_YA_9@&+;1$$]QX],%@D$ARI!Z#5:I/Z5I02PT-)SA@$2 M?"->E!V9R4@X92/;$`<;R*2=4+"+0C`OV31<049$N-/]_;<&1\&@%B8G"EHE M\)G3_)#V$4*[+C+XW8JIK;]=RR/3V.H$A6N`.V:?A;#C5):>5CZ*7I60]6N# MD9OU3Z6WX*\%ISM6PX[=RG\H3'L*C2";(KWLM^])#KX: M%]F`C3:0B8-[\EGVHUKO/\#;A,#>:66Y%T[PMVW0MVM(!L"*AC31\O) M/8,D%\HL8B9!S'W9M+$Z8[2%3#R+\!VZ$-P*6@ZW[4?8M."W\'#\ M'I*HY2;4>H#MR[GU&8@-P9K]+SE0;[[7 MG4#HGV+#H.0*Z)["J&M.)HS,9O'`U_( MX3Z3;6^WA+Z%OHI6_W0RX(H+';DK:>,S%D`#T7;\?833F(H4KWVI92Z![!JK M.&W:>>^%;Q9PC`*U4!@L@M!_B%/62"WO;9\Z6%Q0;(-6CZE.=I&N%(H+'1'$ M18U,6U+%K_*JHO@3G$2+1/.AR.-HE5>OIJ8BM8?8!T8OLB%!$43#4(.&2/,H M`^=EFIS:>J1G-;S*1=QP@B?CW3M\=QZF1RBI'0SFPEBZVT9&<3A0EZ2MP21NX[M0O$,+DL?\WC\.$;O-]0@/0 M7."CN&>/P5/Z)U@&S[&?Q&D2A0$\+'-PGKG):_)''[?5VN8`B7?Z//%S:>K? MQ1D/WH!$8>(VK*4FW4HCTX[;_'0"ZNP7'DE1A%480Q"<2F/LRD9$@(S2@62L M$%'*C_M,H`=4Q2@!N9?3A0XK/V/;HQNV:>)S3>[(G86Q(?R3^QE4IPA-4*;G MV'`4<7!<*PB"BR(8GZ=OJ6X!)5\#?,!#S%8N?IDLS"W)8E[\J)CI5VI^(K;< MK1?*0:T*H'V`VUT,VY#Y,XSVD"^>OB:B:&OLFPI@0P):=/4R.[%*OC=C-K-V M*G>7PH:I2-E3+//M9#[5$RS3R,JD(;4(L]?W<@\OP7#ZC/P$2>G;2L=2'`MZ M&XECNO=OX$CL:!RA'46P#<]B\!7QZ)VYU[6%L"$2HXP$T`EL$\%],9>A=_"H MU^@3W5/*E+),,CO-\?AA^PPE=^1^*&#_Q&[`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`?RVA-P^.^^]$9\]8KL?+<[! M2>$H!!T)SWX>?MG>G'040;8K:5-G@8B(?$GG"P!>%JAP,A1_9 MAF0YC5>QC@;V:B_X4'\N!\>GYK.PGLGFOL%!P5R[R:G?QWG?4^<9C\YQ\,=>H?R`L``00E#@``!#D!``!02P$"'@,4```` M"`#BA6-$4B2:M\PQ``"B-P,`%``8```````!````I(&KDP,`8V)U+3(P,3,Q M,C,Q7V-A;"YX;6Q55`4``U?X%%-U>`L``00E#@``!#D!``!02P$"'@,4```` M"`#BA6-$+="V)MA^``#I%PD`%``8```````!````I('%Q0,`8V)U+3(P,3,Q M,C,Q7V1E9BYX;6Q55`4``U?X%%-U>`L``00E#@``!#D!``!02P$"'@,4```` M"`#BA6-$[310<2_-`0`"F1P`%``8```````!````I('K1`0`8V)U+3(P,3,Q M,C,Q7VQA8BYX;6Q55`4``U?X%%-U>`L``00E#@``!#D!``!02P$"'@,4```` M"`#BA6-$C*MC5]?/```$(0\`%``8```````!````I(%H$@8`8V)U+3(P,3,Q M,C,Q7W!R92YX;6Q55`4``U?X%%-U>`L``00E#@``!#D!``!02P$"'@,4```` M"`#BA6-$82B;P'TE``"0O@$`$``8```````!````I(&-X@8`8V)U+3(P,3,Q M,C,Q+GAS9%54!0`#5_@44W5X"P`!!"4.```$.0$``%!+!08`````!@`&`!0" (``!4"`<````` ` end XML 44 R43.htm IDEA: XBRL DOCUMENT v2.4.0.8
    LEASES (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    LEASES [Abstract]  
    Future minimum rental commitments
    The Company leases buildings, office space, and equipment under agreements that expire in various years.  Rental expense included in operating expenses amounted to $5.1 million, $4.9 million and $4.2 million in 2013, 2012 and 2011, respectively.  The future minimum rental commitments as of December 31, 2013 for all non-cancelable operating leases are as follows:

    2014
    		 
    $
    5,342
    		 
    2015
    		  
    4,662
    		 
    2016
    		  
    4,442
    		 
    2017
    		  
    3,780
    		 
    2018
    		  
    3,161
    		 
    Thereafter
    		  
    5,138
    		 
      Total
    		 
    $
    26,525
    		 
    XML 45 R29.htm IDEA: XBRL DOCUMENT v2.4.0.8
    SEGMENT INFORMATION
    		 12 Months Ended
    Dec. 31, 2013
    SEGMENT INFORMATION [Abstract]  
    SEGMENT INFORMATION
    NOTE T:  SEGMENT INFORMATION

    Operating segments are components of an enterprise, which are evaluated regularly by the “chief operating decision maker” in deciding how to allocate resources and assess performance.  The Company’s chief operating decision maker is the President and Chief Executive Officer of the Company. The Company has identified Banking, Employee Benefit Services and Wealth Management as its reportable operating business segments.  CBNA operates the banking segment that provides full-service banking to consumers, businesses and governmental units in northern, central and western New York as well as northern Pennsylvania.  Employee benefit services, which includes BPAS, Harbridge and HB&T provides employee benefit trust, collective investment fund, retirement plan administration, actuarial, VEBA/HRA and health and welfare consulting services.  Wealth management services activities include trust services provided by the personal trust unit within the Bank, investment and insurance products and services provided by CISI and CBNA Insurance and asset management provided by Nottingham.  The accounting policies used in the disclosure of business segments are the same as those described in the summary of significant accounting policies (See Note A).

    Information about reportable segments and reconciliation of the information to the consolidated financial statements follows:
     
     
    (000's omitted) 
    		 
    Banking
    		  
    Employee
    Benefit Services
    		  
    Wealth Management
    		  
    Eliminations
    		  
    Consolidated
    Total
    		 
    2013
    		          
    Net interest income
    		 
    $
    237,915
    		  
    $
    101
    		  
    $
    78
    		  
    $
    0
    		  
    $
    238,094
    		 
    Provision for loan losses
    		  
    7,992
    		   
    0
    		   
    0
    		   
    0
    		   
    7,992
    		 
    Noninterest income
    		  
    48,030
    		   
    39,534
    		   
    16,265
    		   
    (1,649
    )
    		  
    102,180
    		 
    Amortization of intangible assets
    		  
    3,569
    		   
    662
    		   
    238
    		   
    0
    		   
    4,469
    		 
    Other operating expenses
    		  
    175,139
    		   
    31,049
    		   
    12,247
    		   
    (1,649
    )
    		  
    216,786
    		 
    Income before income taxes
    		 
    $
    99,245
    		  
    $
    7,924
    		  
    $
    3,858
    		  
    $
    0
    		  
    $
    111,027
    		 
    Assets
    		 
    $
    7,070,866
    		  
    $
    27,970
    		  
    $
    13,259
    		  
    $ 
    (16,231
    )
    		 
    $
    7,095,864
    		 
    Goodwill
    		 
    $
    364,495
    		  
    $
    7,836
    		  
    $
    2,660
    		  
    $
    0
    		  
    $
    374,991
    		 
                         
    2012
    		                    
    Net interest income
    		 
    $
    230,251
    		  
    $
    104
    		  
    $
    69
    		  
    $
    0
    		  
    $
    230,424
    		 
    Provision for loan losses
    		  
    9,108
    		   
    0
    		   
    0
    		   
    0
    		   
    9,108
    		 
    Noninterest income
    		  
    50,422
    		   
    36,781
    		   
    13,549
    		   
    (1,506
    )
    		  
    99,246
    		 
    Amortization of intangible assets
    		  
    3,548
    		   
    779
    		   
    280
    		   
    0
    		   
    4,607
    		 
    Other operating expenses
    		  
    167,332
    		   
    30,617
    		   
    10,707
    		   
    (1,506
    )
    		  
    207,150
    		 
    Income before income taxes
    		 
    $
    100,685
    		  
    $
    5,489
    		  
    $
    2,631
    		  
    $
    0
    		  
    $
    108,805
    		 
    Assets
    		 
    $
    7,472,628
    		  
    $
    30,405
    		  
    $
    12,101
    		  
    $ 
    (18,334
    )
    		 
    $
    7,496,800
    		 
    Goodwill
    		 
    $
    359,207
    		  
    $
    7,836
    		  
    $
    2,660
    		  
    $
    0
    		  
    $
    369,703
    		 
                         
    2011
    		                    
    Net interest income
    		 
    $
    209,302
    		  
    $
    60
    		  
    $
    51
    		  
    $
    0
    		  
    $
    209,413
    		 
    Provision for loan losses
    		  
    4,736
    		   
    0
    		   
    0
    		   
    0
    		   
    4,736
    		 
    Noninterest income
    		  
    46,921
    		   
    32,395
    		   
    11,228
    		   
    (1,322
    )
    		  
    89,222
    		 
    Amortization of intangible assets
    		  
    3,393
    		   
    752
    		   
    236
    		   
    0
    		   
    4,381
    		 
    Other operating expenses
    		  
    152,468
    		   
    25,622
    		   
    9,223
    		   
    (1,322
    )
    		  
    185,991
    		 
    Income before income taxes
    		 
    $
    95,626
    		  
    $
    6,081
    		  
    $
    1,820
    		  
    $
    0
    		  
    $
    103,527
    		 
    Assets
    		 
    $
    6,461,694
    		  
    $
    27,446
    		  
    $
    11,111
    		  
    $ 
    (11,976
    )
    		 
    $
    6,488,275
    		 
    Goodwill
    		 
    $
    334,554
    		  
    $
    7,836
    		  
    $
    2,660
    		  
    $
    0
    		  
    $
    345,050
    		 
    XML 46 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
    DERIVATIVE INSTRUMENTS
    		 12 Months Ended
    Dec. 31, 2013
    DERIVATIVE INSTRUMENTS [Abstract]  
    DERIVATIVE INSTRUMENTS
    NOTE S:  DERIVATIVE INSTRUMENTS

    The Company is party to derivative financial instruments in the normal course of its business to meet the financing needs of its customers and to manage its own exposure to fluctuations in interest rates.  These financial instruments have been limited to commitments to originate real estate loans held for sale and forward sales commitments.  The Company does not hold nor issue derivative financial instruments for trading or other speculative purposes.

    The Company enters into forward sales commitments for the future delivery of residential mortgage loans, and interest rate lock commitments to fund loans at a specified interest rate.  The forward sales commitments are utilized to reduce interest rate risk associated with interest rate lock commitments and loans held for sale.  Changes in the estimated fair value of the forward sales commitments and interest rate lock commitments subsequent to inception are based on changes in the fair value of the underlying loan resulting from the fulfillment of the commitment and changes in the probability that the loan will fund within the terms of the commitment, which is affected primarily by changes in interest rates and the passage of time.  At inception and during the life of the interest rate lock commitment, the Company includes the expected net future cash flows related to the associated servicing of the loan as part of the fair value measurement of the interest rate lock commitments.  These derivatives are recorded at fair value.

    The following table presents the Company’s derivative financial instruments, their estimated fair values, and balance sheet location as of December 31, 2013:

    (000's omitted)
    Location
    		 
    Notional
    		  
    Fair Value
    		 
    Derivatives not designated as hedging instruments:
    		     
       Forward sales commitments
    Other liabilities
    		 
    $
    2,508
    		  
    $
    27
    		 
       Commitments to originate real estate loans for sale
    Other assets
    		  
    2,946
    		   
    44
    		 
    Total derivatives
    		      
    $
    71
    		 

    The following table presents the Company’s derivative financial instruments and the location of the net gain or loss recognized in the statement of income for the year ended December 31, 2013:

    (000's omitted)
    Location
    		 
    Gain Recognized in the Statement of
    Income for the Year Ending
    December 31, 2013
    		 
    Forward sales commitments
    Mortgage banking and other services
    		 
    $
    27
    		 
    Commitments to originate real estate loans for sale
    Mortgage banking and other services
    		  
    44
    		 
    Total
    		   
    $
    71
    		 
    XML 47 R56.htm IDEA: XBRL DOCUMENT v2.4.0.8
    LOANS, Allowance For Loan Losses (Details) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Impaired loans [Abstract]      
    Loans with reserve $ 945 $ 1,611  
    Loans without reserve 600 7,798  
    Carrying balance 1,545 9,409  
    Contractual balance 1,852 12,804  
    Specifically allocated allowance 50 800  
    Average impaired loans 10,729 19,787  
    Interest income recognized 18 185  
    Allowance for loan losses [Roll Forward]      
    Beginning balance 42,888 42,213  
    Charge-offs (11,831) (14,182)  
    Recoveries 5,270 5,749  
    Provision 7,992 9,108 4,736
    Ending balance 44,319 42,888 42,213
    Consumer Mortgage [Member]
    		      
    Allowance for loan losses [Roll Forward]      
    Beginning balance 7,070 4,651  
    Charge-offs (1,012) (1,004)  
    Recoveries 36 59  
    Provision 2,900 3,364  
    Ending balance 8,994 7,070  
    Business Lending [Member]
    		      
    Allowance for loan losses [Roll Forward]      
    Beginning balance 18,013 20,574  
    Charge-offs (2,788) (5,654)  
    Recoveries 692 1,295  
    Provision 1,590 1,798  
    Ending balance 17,507 18,013  
    Consumer Indirect [Member]
    		      
    Allowance for loan losses [Roll Forward]      
    Beginning balance 9,606 8,960  
    Charge-offs (4,544) (5,407)  
    Recoveries 3,488 3,551  
    Provision 1,698 2,502  
    Ending balance 10,248 9,606  
    Consumer Direct [Member]
    		      
    Allowance for loan losses [Roll Forward]      
    Beginning balance 3,303 3,290  
    Charge-offs (1,954) (1,694)  
    Recoveries 1,034 821  
    Provision 798 886  
    Ending balance 3,181 3,303  
    Home Equity [Member]
    		      
    Allowance for loan losses [Roll Forward]      
    Beginning balance 1,451 1,130  
    Charge-offs (650) (423)  
    Recoveries 20 23  
    Provision 1,009 721  
    Ending balance 1,830 1,451  
    Unallocated [Member]
    		      
    Allowance for loan losses [Roll Forward]      
    Beginning balance 2,666 3,222  
    Charge-offs 0 0  
    Recoveries 0 0  
    Provision (637) (556)  
    Ending balance 2,029 2,666  
    Acquired Impaired [Member]
    		      
    Allowance for loan losses [Roll Forward]      
    Beginning balance 779 386  
    Charge-offs (883) 0  
    Recoveries 0 0  
    Provision 634 393  
    Ending balance $ 530 $ 779  
    XML 48 R44.htm IDEA: XBRL DOCUMENT v2.4.0.8
    REGULATORY MATTERS (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    REGULATORY MATTERS [Abstract]  
    Capital ratios and amounts
    The capital ratios and amounts of the Company and the Bank as of December 31 are presented below:

      
    2013
    		  
    2012
    		 
    (000's omitted)
    		 
    Company
    		  
    Bank
    		  
    Company
    		  
    Bank
    		 
    Tier 1 capital to average assets
    		        
      Amount
    		 
    $
    643,286
    		  
    $
    547,464
    		  
    $
    588,220
    		  
    $
    530,753
    		 
      Ratio
    		  
    9.29
    %
    		  
    7.93
    %
    		  
    8.40
    %
    		  
    7.60
    %
      Minimum required amount
    		 
    $
    276,918
    		  
    $
    276,226
    		  
    $
    280,151
    		  
    $
    279,524
    		 
                     
    Tier 1 capital to risk-weighted assets
    		        
      Amount
    		 
    $
    643,286
    		  
    $
    547,464
    		  
    $
    588,220
    		  
    $
    530,753
    		 
      Ratio
    		  
    16.42
    %
    		  
    14.03
    %
    		  
    15.09
    %
    		  
    13.66
    %
      Minimum required amount
    		 
    $
    156,661
    		  
    $
    156,083
    		  
    $
    155,904
    		  
    $
    155,392
    		 
                     
    Total core capital to risk-weighted assets
    		                
      Amount
    		 
    $
    687,946
    		  
    $
    592,124
    		  
    $
    631,409
    		  
    $
    573,942
    		 
      Ratio
    		  
    17.57
    %
    		  
    15.17
    %
    		  
    16.20
    %
    		  
    14.77
    %
      Minimum required amount
    		 
    $
    313,322
    		  
    $
    312,166
    		  
    $
    311,808
    		  
    $
    310,784
    		 
    XML 49 R30.htm IDEA: XBRL DOCUMENT v2.4.0.8
    SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)
    		 12 Months Ended
    Dec. 31, 2013
    SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
    Nature of Operations
    Nature of Operations
    Community Bank System, Inc. (the “Company”) is a single bank holding company which wholly-owns five consolidated subsidiaries: Community Bank, N.A. (the “Bank”), Benefit Plans Administrative Services, Inc. (“BPAS”), CFSI Closeout Corp. (“CFSICC”), First of Jermyn Realty Co. (“FJRC”), and Town & Country Agency LLC (“T&C”).  BPAS owns four subsidiaries, Benefit Plans Administrative Services, LLC (“BPA”), Harbridge Consulting Group, LLC (“Harbrdge”), BPAS Trust Company of Puerto Rico; and Hand Benefits & Trust, Inc. (“HB&T”), which, as of December 31, 2013 owned two subsidiaries Hand Securities Inc. (“HSI”), and Flex Corporation (“Flex”), which was merged with BPA on January 1, 2014.  BPAS provides administration, consulting and actuarial services to sponsors of employee benefit plans.  CFSICC, FJRC and T&C are inactive companies.  The Company also wholly-owns two unconsolidated subsidiary business trusts formed for the purpose of issuing mandatorily-redeemable preferred securities which are considered Tier I capital under regulatory capital adequacy guidelines (see Note P).

    As of December 31, 2013, the Bank operated 183 full service branches under the Community Bank, N.A. name throughout 35 counties of Upstate New York and six counties of Northeastern Pennsylvania offering a range of commercial and retail banking services.  The Bank owns the following subsidiaries: CBNA Insurance Agency, Inc. (“CBNA Insurance”), CBNA Preferred Funding Corporation (“PFC”), CBNA Treasury Management Corporation (“TMC”), Community Investment Services, Inc. (“CISI”), First Liberty Service Corp. (“FLSC”), Nottingham Advisors, Inc. (“Nottingham”), Brilie Corporation (“Brilie”), and Western Catskill Realty, LLC (“WCR”).  CBNA Insurance is a full-service insurance agency offering primarily property and casualty products.  PFC primarily acts as an investor in residential real estate loans.  TMC provides cash management, investment, and treasury services to the Bank.  CISI provides broker-dealer and investment advisory services.  FLSC provides banking-related services to the Pennsylvania branches of the Bank.  Nottingham provides asset management services to individuals, corporate pension and profit sharing plans, and foundations.  Brilie and WCR are inactive companies.
    Principles of Consolidation
    Principles of Consolidation
    The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries.  All intercompany accounts and transactions have been eliminated in consolidation.

    Variable Interest Entities (“VIE”) are required to be consolidated by a company if it is determined the company is the primary beneficiary of a VIE.  The primary beneficiary of a VIE is the enterprise that has: (1) the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance, and (2) the obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits of the VIE that could potentially be significant to the VIE.  The Company’s wholly-owned subsidiaries, Community Statutory Trust III and Community Capital Trust IV, are VIEs for which the Company is not the primary beneficiary.  Accordingly, the accounts of these entities are not included in the Company’s consolidated financial statements.
    Critical Accounting Estimates in the Preparation of Financial Statements
    Critical Accounting Estimates in the Preparation of Financial Statements
    The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Critical accounting estimates include the allowance for loan losses, actuarial assumptions associated with the pension, post-retirement and other employee benefit plans, the provision for income taxes, investment valuation and other-than-temporary impairment, the carrying value of goodwill and other intangible assets, and acquired loan valuations.
    Risk and Uncertainties
    Risk and Uncertainties
    In the normal course of its business, the Company encounters economic and regulatory risks.  There are three main components of economic risk: interest rate risk, credit risk and market risk.  The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different basis, from its interest-earning assets.  The Company’s primary credit risk is the risk of default on the Company’s loan portfolio that results from the borrowers’ inability or unwillingness to make contractually required payments.  Market risk reflects potential changes in the value of collateral underlying loans, the fair value of investment securities, and loans held for sale.

    The Company is subject to regulations of various governmental agencies.  These regulations can change significantly from period to period.  The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loan loss allowances, and operating restrictions resulting from the regulators’ judgments based on information available to them at the time of their examinations.
     
    Revenue Recognition
    Revenue Recognition
    The Company recognizes income on an accrual basis. CISI recognizes fee income when investment and insurance products are sold to customers.  Nottingham provides asset management services to brokerage firms and clients and recognizes income ratably over the contract period during which service is performed.  Revenue from BPA’s administration and recordkeeping services is recognized ratably over the service contract period.  Revenue from consulting and actuarial services is recognized when services are rendered.  CBNA Insurance recognizes commission revenue at the later of the effective date of the insurance policy, or the date on which the policy premium is billed to the customer.  At that date, the earnings process has been completed and the impact of refunds for policy cancellations can be reasonably estimated to establish reserves. The reserve for policy cancellations is based upon historical cancellation experience adjusted for known circumstances. All intercompany revenue and expense among related entities are eliminated in consolidation.
    Cash and Cash Equivalents
    Cash and Cash Equivalents
    For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks and highly liquid investments with original maturities of less than 90 days.  The carrying amounts reported in the balance sheet for cash and cash equivalents approximate those assets’ fair values.
    Investment Securities
    Investment Securities
    The Company has classified its investments in debt and equity securities as held-to-maturity or available-for-sale.  Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.  As discussed further in Note D, the Company reclassified its held-to-maturity portfolio to available-for-sale and the Company will not be able to use the held-to-maturity classification for the foreseeable future.  Securities classified as available-for-sale and are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.  None of the Company's investment securities have been classified as trading securities at December 31, 2013.  Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York (“Federal Reserve”) and Federal Home Loan Bank of New York (“FHLB”).  During 2013 the Company sold certain held-to-maturity securities.  As a result of the transaction, the Company will not be able to use the held-to-maturity classification for the foreseeable future.

    Fair values for investment securities are based upon quoted market prices, where available.  If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.

    The Company conducts an assessment of all securities in an unrealized loss position to determine if other-than-temporary impairment (“OTTI”) exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.  The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about and expectations of future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.  The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.
     
    An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.  In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.

    Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.

    The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.  Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.  Purchases and sales of securities are recognized on a trade date basis.
     
    Derivative Financial Instruments
    Derivative Financial Instruments
    The Company has utilized interest rate swap agreements, considered to be cash flow hedges, as part of the management of interest rate risk to modify the repricing characteristics of certain portions of its portfolios of interest-bearing liabilities. These derivative instruments, when used, are required to be carried at fair value on the balance sheet.

    Cash flow hedges are accounted for by recording the fair value of the derivative instrument on the balance sheet as either a freestanding asset or liability, with a corresponding offset recorded in other comprehensive income within shareholders’ equity, net of income tax effect.  Amounts are reclassified from other comprehensive income to the income statement in the period or periods the hedged transaction affects earnings.  Derivative gains and losses not effective in hedging the expected cash flows of the hedged item are recognized immediately in the income statement.  At the hedge’s inception and at least quarterly thereafter, a formal assessment is performed to determine the effectiveness of the cash flow hedge.  If it is determined that a derivative instrument has not been or will not continue to be highly effective as a hedge, hedge accounting is discontinued.
     
    Loans
    Loans
    Loans are stated at unpaid principal balances, net of unearned income.  Mortgage loans held for sale are carried at fair value and are included in loans held for sale on the balance sheet. Fair values for variable rate loans that reprice frequently are based on carrying values.  Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.  The carrying amount of accrued interest approximates its fair value.

    Interest on loans is accrued and credited to operations based upon the principal amount outstanding.  Nonrefundable loan fees and related direct costs are deferred and included in the loan balances where they are amortized over the life of the loan as an adjustment to loan yield using the effective yield method.  Premiums and discounts on purchased loans are amortized using the effective yield method over the life of the loans.
    Acquired Loans
    Acquired loans
    Acquired loans are initially recorded at their acquisition date fair values.  The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.

    Acquired impaired loans
    Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under ASC 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.

    Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loan to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.

    Acquired non-impaired loans
    Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan’s cost basis and are accreted (or amortized) to net interest income (or expense) over the loan’s remaining life in accordance with ASC 310- 20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.

    Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans is consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan’s unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan losses is recognized.
     
    Impaired and Other Nonaccrual Loans
    Impaired and Other Nonaccrual Loans
    The Company places a loan on nonaccrual status when the loan becomes 90 days past due (or sooner, if management concludes collection is doubtful), except when, in the opinion of management, it is well-collateralized and in the process of collection.  A loan may be placed on nonaccrual status earlier than ninety days past due if there is deterioration in the financial position of the borrower or if other conditions of the loan so warrant. When a loan is placed on nonaccrual status, uncollected accrued interest is reversed against interest income and the amortization of nonrefundable loan fees and related direct costs is discontinued. Interest income during the period the loan is on nonaccrual status is recorded on a cash basis after recovery of principal is reasonably assured. Nonaccrual loans are returned to accrual status when management determines that the borrower’s performance has improved and that both principal and interest are collectible.  This generally requires a sustained period of timely principal and interest payments and a well-documented credit evaluation of the borrower’s financial condition.

    A loan is considered modified in a troubled debt restructuring (“TDR”) when, due to a borrower’s financial difficulties, the Company makes a concession(s) to the borrower that it would not otherwise consider.  These modifications may include, among others, an extension for the term of the loan, or granting a period when interest–only payments can be made with the principal payments and interest caught up over the remaining term of the loan or at maturity.  Generally, a nonaccrual loan that has been modified in a TDR remains on nonaccrual status for a period of 12 months to demonstrate that the borrower is able to meet the terms of the modified loan.  If the borrower’s ability to meet the revised payment schedule is uncertain, the loan remains on nonaccrual status.
     
    During 2012, new regulatory guidance was issued by the OCC addressing the accounting of certain loans that have been discharged in Chapter 7 bankruptcy.  In accordance with this new guidance, loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.  The Company’s lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.

    Commercial loans greater than $0.5 million are evaluated individually for impairment.  A loan is considered impaired, based on current information and events, if it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  The measurement of impaired loans is generally based upon the present value of expected future cash flows or the fair value of the collateral, if the loan is collateral-dependent.
     
    The Company’s charge-off policy by loan type is as follows:
     
    ·
    Business lending loans are generally charged-off to the extent outstanding principal exceeds the fair value of estimated proceeds from collection efforts, including liquidation of collateral. The charge-off is recognized when the loss becomes reasonably quantifiable.
    ·
    Consumer installment loans are generally charged-off to the extent outstanding principal balance exceeds the fair value of collateral, and are recognized by the end of the month in which the loan becomes 90 days past due.
    ·
    Consumer mortgage and home equity loans are generally charged-off to the extent outstanding principal exceeds the fair value of the property, less estimated costs to sell, and are recognized when the loan becomes 180 days past due.
     

    

    Allowance for Loan Losses
    Allowance for Loan Losses
    Management continually evaluates the credit quality of the Company’s loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.  The allowance reflects management’s best estimate of probable losses inherent in the loan portfolio.  Determination of the allowance is subjective in nature and requires significant estimates.   The Company’s allowance methodology consists of two broad components - general and specific loan loss allocations.

    The general loan loss allocation is composed of two calculations that are computed on five main loan segments:  business lending, consumer installment - direct, consumer installment - indirect, home equity and consumer mortgage.  The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors:  levels and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.    A component of the qualitative calculation is the unallocated allowance for loan loss.  The qualitative and quantitative calculations are added together to determine the general loan loss allocation.  The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.  Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.
     
    Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.  A provision for loan losses is charged to operations based on management’s periodic evaluation of factors previously mentioned.
    Intangible Assets
    Intangible Assets
    Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.

    The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The implied fair value of a reporting unit’s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.
    Premises and Equipment
    Premises and Equipment
    Premises and equipment are stated at cost less accumulated depreciation.  Computer software costs that are capitalized only include external direct costs of obtaining and installing the software.  The Company has not developed any internal use software.  Depreciation is calculated using the straight-line method over the estimated useful lives of the assets.  Useful lives range from three to 10 years for equipment; three to seven years for software and hardware; and 10 to 40 years for building and building improvements.  Land improvements are depreciated over 20 years and leasehold improvements are amortized over the shorter of the term of the respective lease plus any optional renewal periods that are reasonably assured or life of the asset. Maintenance and repairs are charged to expense as incurred.
    Other Real Estate
    Other Real Estate
    Other real estate owned is comprised of properties acquired through foreclosure, or by deed in lieu of foreclosure.  These assets are carried at fair value less estimated costs of disposal.  At foreclosure, if the fair value, less estimated costs to sell, of the real estate acquired is less than the Company’s recorded investment in the related loan, a write-down is recognized through a charge to the allowance for loan losses.  Any subsequent reduction in value is recognized by a charge to income.  Operating costs associated with the properties are charged to expense as incurred.  At December 31, 2013 and 2012, other real estate amounted to $5.1 million and $4.8 million, respectively, and is included in other assets.
    Mortgage Servicing Rights
    Mortgage Servicing Rights
    Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the period of estimated net servicing income or loss.  The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights.  In using this valuation method, the Company incorporates assumptions that market participants would use in estimating future net servicing income, which includes estimates of the servicing cost per loan, the discount rate, and prepayment speeds.  The carrying value of the originated mortgage servicing rights is included in other assets and is evaluated quarterly for impairment using these same market assumptions.  The amount of impairment recognized is the amount by which the carrying value of the capitalized servicing rights for a stratum exceeds estimated fair value.  Impairment is recognized through a valuation allowance.
    Treasury Stock
    Treasury Stock
    Repurchases of shares of the Company’s common stock are recorded at cost as a reduction of shareholders’ equity.  Reissuance of shares of treasury stock is recorded at average cost.
    Income Taxes
    Income Taxes
    The Company and its subsidiaries file a consolidated federal income tax return.  Provisions for income taxes are based on taxes currently payable or refundable as well as deferred taxes that are based on temporary differences between the tax basis of assets and liabilities and their reported amounts in the financial statements.  Deferred tax assets and liabilities are reported in the financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.

    Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority having full knowledge of all relevant information. A tax position meeting the more-likely-than-not recognition threshold should be measured at the largest amount of benefit for which the likelihood of realization upon ultimate settlement exceeds 50 percent.
    Retirement Benefits
    Retirement Benefits
    The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases and expected return on plan assets.
     
    Assets Under Management or Administration
    Assets Under Management or Administration
    Assets held in fiduciary or agency capacities for customers are not included in the accompanying consolidated statements of condition as they are not assets of the Company.  All fees associated with providing asset management services are recorded on an accrual basis of accounting and are included in noninterest income.
    Advertising
    Advertising
    Advertising costs amounting to approximately $3.0 million, $2.6 million and $2.5 million for the years ending December 31, 2013, 2012 and 2011, respectively, are nondirect response in nature and expensed as incurred.
    Earnings Per Share
    Earnings Per Share
    Using the two-class method, basic earnings per common share is computed based upon net income available to common shareholders divided by the weighted average number of common shares outstanding during each period, which excludes the outstanding unvested restricted stock as they contain nonforfeitable rights to dividends.  Diluted earnings per share is computed using the weighted average number of common shares determined for the basic earnings per common share computation plus the dilutive effect of stock options using the treasury stock method.  Stock options where the exercise price is greater than the average market price of common shares were not included in the computation of earnings per diluted share as they would have been anti-dilutive.
    Stock-based Compensation
    Stock-based Compensation
    Companies are required to measure and record compensation expense for stock options and other share-based payments on the instruments’ fair value on the date of grant.  The Company uses the modified prospective method.  Under this method, expense is recognized for awards that are granted, modified, or settled after December 31, 2005, as well as for unvested awards that were granted prior to January 1, 2006.  Stock-based compensation expense is recognized ratably over the requisite service period for all awards (see Note L).
     
    Fair Values of Financial Instruments
    Fair Values of Financial Instruments
    The Company determines fair values based on quoted market values where available or on estimates using present values or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.  In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument.  Certain financial instruments and all nonfinancial instruments are excluded from this disclosure requirement.  Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.  The fair values of investment securities, loans, deposits, and borrowings have been disclosed in Note R.
    Reclassifications
    Reclassifications
    Certain reclassifications have been made to prior years’ balances to conform to the current year presentation.
    New Accounting Pronouncements
    New Accounting Pronouncements
    In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40):  Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  This new guidance clarifies when an in substance repossession or foreclosure occurs, and requires all creditors who obtain physical possession (resulting from an in substance repossession or foreclosure) of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable to reclassify the collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s consolidated financial statements.
    XML 50 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
    ACQUISITIONS (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    ACQUISITIONS [Abstract]  
    Estimated fair value of assets acquired and liabilities assumed
    The assets and liabilities assumed in the acquisitions were recorded at their estimated fair values based on management's best estimates using information available at the dates of the acquisition, and are subject to adjustment based on updated information not available at the time of acquisition.  The following table summarizes the estimated fair value of the assets acquired and liabilities assumed.

    (000s omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Consideration paid (received):
    		      
    Community Bank System, Inc. common stock
    		 
    $
    0
    		  
    $
    0
    		  
    $
    82,580
    		 
    Cash
    		  
    (291,980
    )
    		  
    (595,462
    )
    		  
    22,155
    		 
       Total net consideration paid (received)
    		  
    (291,980
    )
    		  
    (595,462
    )
    		  
    104,735
    		 
    Recognized amounts of identifiable assets
    acquired and liabilities assumed:
    		            
    Cash and cash equivalents
    		  
    0
    		   
    5,510
    		   
    26,901
    		 
    Investment securities
    		  
    0
    		   
    0
    		   
    297,573
    		 
    Loans
    		  
    1,106
    		   
    160,116
    		   
    462,334
    		 
    Premises and equipment
    		  
    2,549
    		   
    4,941
    		   
    6,360
    		 
    Accrued interest receivable
    		  
    5
    		   
    588
    		   
    2,615
    		 
    Other assets/(liabilities), net
    		  
    (18
    )
    		  
    171
    		   
    46,942
    		 
    Core deposit intangibles
    		  
    2,537
    		   
    6,521
    		   
    4,016
    		 
    Other intangibles
    		  
    9
    		   
    0
    		   
    1,858
    		 
    Deposits
    		  
    (303,456
    )
    		  
    (797,962
    )
    		  
    (771,554
    )
    Borrowings
    		  
    0
    		   
    0
    		   
    (19,668
    )
      Total identifiable assets (liabilities), net
    		  
    (297,268
    )
    		  
    (620,115
    )
    		  
    57,377
    		 
         Goodwill
    		 
    $
    5,288
    		  
    $
    24,653
    		  
    $
    47,358
    		 
    Summary of loans acquired
    The following is a summary of the loans acquired in the Wilber acquisition at the date of acquisition:

     
    (000’s omitted)
    		 
    Acquired Impaired
    Loans
    		  
    Acquired
    Non-Impaired
    Loans
    		  
    Total
    Acquired
    Loans
    		 
    Contractually required principal and interest at acquisition
    		 
    $
    41,730
    		  
    $
    680,516
    		  
    $
    722,246
    		 
    Contractual cash flows not expected to be collected
    		  
    (20,061
    )
    		  
    (31,115
    )
    		  
    (51,176
    )
        Expected cash flows at acquisition
    		  
    21,669
    		   
    649,401
    		   
    671,070
    		 
    Interest component of expected cash flows
    		  
    (2,509
    )
    		  
    (206,227
    )
    		  
    (208,736
    )
       Fair value of acquired loans
    		 
    $
    19,160
    		  
    $
    443,174
    		  
    $
    462,334
    		 

    The following is a summary of the loans acquired from HSBC and First Niagara at the date of acquisition:

     
    (000’s omitted)
    		 
    Acquired Impaired
    Loans
    		  
    Acquired
    Non-Impaired
    Loans
    		  
    Total
    Acquired
    Loans
    		 
    Contractually required principal and interest at acquisition
    		 
    $
    0
    		  
    $
    201,745
    		  
    $
    201,745
    		 
    Contractual cash flows not expected to be collected
    		  
    0
    		   
    (3,555
    )
    		  
    (3,555
    )
        Expected cash flows at acquisition
    		  
    0
    		   
    198,190
    		   
    198,190
    		 
    Interest component of expected cash flows
    		  
    0
    		   
    (38,074
    )
    		  
    (38,074
    )
       Fair value of acquired loans
    		 
    $
    0
    		  
    $
    160,116
    		  
    $
    160,116
    		 
    XML 51 R8.htm IDEA: XBRL DOCUMENT v2.4.0.8
    CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Operating activities:      
    Net income $ 78,829 $ 77,068 $ 73,142
    Adjustments to reconcile net income to net cash provided by operating activities:      
    Depreciation 12,236 11,482 11,374
    Amortization of intangible assets 4,469 4,607 4,381
    Net accretion of premiums & discounts on securities, loans and borrowings (5,959) (9,379) (5,373)
    Stock-based compensation 3,961 3,668 3,784
    Provision for loan losses 7,992 9,108 4,736
    Provision for deferred income taxes 7,130 12,032 12,942
    Amortization of mortgage servicing rights 529 687 868
    Income from bank-owned life insurance policies (1,066) (1,121) (894)
    Gain on sales of investment securities, net (80,768) (291) (30)
    Loss on debt extinguishments 87,336 0 91
    Net loss (gain) on sale of loans and other assets 257 247 (422)
    Net change in loans originated for sale (515) 608 4,047
    Change in other assets and liabilities (11,247) (292) (14,268)
    Net cash provided by (used in) operating activities 103,184 108,424 94,378
    Investing activities:      
    Proceeds from sales of available-for-sale investment securities 713,694 5,378 15,330
    Proceeds from sales of held-to-maturity investment securities 450,032 0 0
    Proceeds from sales of other securities 26,649 278 1,032
    Proceeds from maturities of held-to-maturity investment securities 31,595 28,340 65,062
    Proceeds from maturities of available-for-sale investment securities 234,021 215,223 254,368
    Purchases of held-to-maturity investment securities (8,308) (110,925) (13,292)
    Purchases of available-for-sale investment securities (923,588) (752,891) (353,498)
    Purchases of other securities 0 (615) (2,908)
    Net change in loans (248,962) (239,174) 16,078
    Cash received for acquisitions, net of cash acquired of $291,990, $5,510, and $26,901, respectively 291,980 600,972 4,746
    Purchases of premises and equipment (13,855) (10,846) (9,613)
    Net cash (used in) provided by investing activities 553,258 (264,260) (22,695)
    Financing activities:      
    Net change in deposits (35,451) 34,832 89,646
    Net change in borrowings, net of payments of $815,384, $220 and $25,938 (673,484) (220) (19,938)
    Issuance of common stock 15,239 64,145 5,351
    Cash dividends paid (43,482) (40,765) (34,404)
    Tax benefits from share-based payment arrangements 1,825 1,524 703
    Net cash provided by (used in) financing activities (735,353) 59,516 41,358
    Change in cash and cash equivalents (78,911) (96,320) 113,041
    Cash and cash equivalents at beginning of year 228,558 324,878 211,837
    Cash and cash equivalents at end of year 149,647 228,558 324,878
    Supplemental disclosures of cash flow information:      
    Cash paid for interest 30,141 51,541 61,564
    Cash paid for income taxes 23,648 16,462 20,810
    Supplemental disclosures of noncash financing and investing activities:      
    Dividends declared and unpaid 11,332 10,699 9,609
    Transfers from loans to other real estate 8,325 5,059 5,186
    Transfer of investment securities from held-to-maturity to available-for-sale 198,890 0 0
    Acquisitions:      
    Fair value of assets acquired, excluding acquired cash and intangibles 3,678 165,885 815,824
    Fair value of liabilities assumed $ 303,494 $ 798,031 $ 791,222
    XML 52 R32.htm IDEA: XBRL DOCUMENT v2.4.0.8
    INVESTMENT SECURITIES (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    INVESTMENT SECURITIES [Abstract]  
    Amortized cost and estimated fair value of investment securities
    The amortized cost and estimated fair value of investment securities as of December 31 are as follows:

      
    2013
    		  
    2012
    		 
        
    Gross
    		  
    Gross
    		  
    Estimated
    		    
    Gross
    		  
    Gross
    		  
    Estimated
    		 
       
    Amortized
    		  
    Unrealized
    		  
    Unrealized
    		  
    Fair
    		  
    Amortized
    		  
    Unrealized
    		  
    Unrealized
    		  
    Fair
    		 
    (000's omitted)
    		 
    Cost
    		  
    Gains
    		  
    Losses
    		  
    Value
    		  
    Cost
    		  
    Gains
    		  
    Losses
    		  
    Value
    		 
    Held-to-Maturity Portfolio:
    		                
    U.S. Treasury and agency securities
    		 
    $
    0
    		  
    $
    0
    		  
    $
    0
    		  
    $
    0
    		  
    $
    548,634
    		  
    $
    59,081
    		  
    $
    0
    		  
    $
    607,715
    		 
    Obligations of state and political subdivisions
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    65,742
    		   
    5,850
    		   
    0
    		   
    71,592
    		 
    Government agency mortgage-backed securities
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    20,578
    		   
    1,079
    		   
    0
    		   
    21,657
    		 
    Corporate debt securities
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    2,924
    		   
    53
    		   
    0
    		   
    2,977
    		 
    Other securities
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    16
    		   
    0
    		   
    0
    		   
    16
    		 
    Total held-to-maturity portfolio
    		 
    $
    0
    		  
    $
    0
    		  
    $
    0
    		  
    $
    0
    		  
    $
    637,894
    		  
    $
    66,063
    		  
    $
    0
    		  
    $
    703,957
    		 
                                     
    Available-for-Sale Portfolio:
    		                                
    U.S. Treasury and agency securities
    		 
    $
    1,252,332
    		  
    $
    1,119
    		  
    $
    41,304
    		  
    $
    1,212,147
    		  
    $
    988,217
    		  
    $
    91,040
    		  
    $
    0
    		  
    $
    1,079,257
    		 
    Obligations of state and political subdivisions
    		  
    665,441
    		   
    15,919
    		   
    12,378
    		   
    668,982
    		   
    629,883
    		   
    33,070
    		   
    61
    		   
    662,892
    		 
    Government agency mortgage-backed securities
    		  
    250,431
    		   
    8,660
    		   
    4,113
    		   
    254,978
    		   
    253,013
    		   
    16,989
    		   
    51
    		   
    269,951
    		 
    Pooled trust preferred securities
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    61,979
    		   
    0
    		   
    12,379
    		   
    49,600
    		 
    Corporate debt securities
    		  
    26,932
    		   
    873
    		   
    218
    		   
    27,587
    		   
    24,136
    		   
    1,265
    		   
    44
    		   
    25,357
    		 
    Government agency collateralized mortgage obligations
    		  
    21,779
    		   
    362
    		   
    93
    		   
    22,048
    		   
    32,359
    		   
    1,579
    		   
    3
    		   
    33,935
    		 
    Marketable equity securities
    		  
    250
    		   
    171
    		   
    0
    		   
    421
    		   
    351
    		   
    94
    		   
    43
    		   
    402
    		 
    Total available-for-sale portfolio
    		 
    $
    2,217,165
    		  
    $
    27,104
    		  
    $
    58,106
    		  
    $
    2,186,163
    		  
    $
    1,989,938
    		  
    $
    144,037
    		  
    $
    12,581
    		  
    $
    2,121,394
    		 
                                     
    Other Securities:
    		                                
    Federal Reserve Bank common stock
    		 
    $
    16,050
    		          
    $
    16,050
    		  
    $
    16,050
    		          
    $
    16,050
    		 
    Federal Home Loan Bank common stock
    		  
    12,053
    		           
    12,053
    		   
    38,111
    		           
    38,111
    		 
    Other equity securities
    		  
    4,459
    		           
    4,459
    		   
    5,078
    		           
    5,078
    		 
    Total other securities
    		 
    $
    32,562
    		          
    $
    32,562
    		  
    $
    59,239
    		          
    $
    59,239
    		 
    Summary of investment securities that have been in a continuous unrealized loss position for less than or greater than twelve months
    A summary of investment securities that have been in a continuous unrealized loss position for less than or greater than twelve months is as follows:

    As of December 31, 2013
       
    Less than 12 Months
    		  
    12 Months or Longer
    		 Total
           
    Gross
    		     
    Gross
    		     
    Gross
         
    Fair
    Unrealized
    		   
    Fair
    Unrealized
    		   
    Fair
    Unrealized
    (000's omitted)
    		 
    #
    Value
    Losses
    		 
    #
    Value
    Losses
    		 
    #
    Value
    Losses
                             
    Available-for-Sale Portfolio:
    		                       
     U.S. Treasury and agency obligations
    		 
    43
    $1,181,214
    $41,304
    		 
    0
    $0
    $0
    		 
    43
    $1,181,214
    $41,304
     Obligations of state and political subdivisions
    		 
    302
    195,526
    11,774
    		 
    9
    4,974
    604
    		 
    311
    200,500
    12,378
     Government agency mortgage-backed securities
    		 
    43
    68,917
    3,262
    		 
    6
    8,713
    851
    		 
    49
    77,630
    4,113
     Corporate debt securities
    		 
    1
    3,026
    31
    		 
    1
    2,703
    187
    		 
    2
    5,729
    218
     Government agency collateralized mortgage obligations
    		 
    1
    2,601
    93
    		 
    1
    7
    0
    		 
    2
    2,608
    93
        Total available-for-sale/investment portfolio
    		 
    390
    $1,451,284
    $56,464
    		 
    17
    $16,397
    $1,642
    		 
    407
    $1,467,681
    $58,106
     
    As of December 31, 2012
     
       
    Less than 12 Months
    		  
    12 Months or Longer
    		 Total
           
    Gross
    		     
    Gross
    		     
    Gross
         
    Fair
    Unrealized
    		   
    Fair
    Unrealized
    		   
    Fair
    Unrealized
    (000's omitted)
    		 
    #
    Value
    Losses
    		 
    #
    Value
    Losses
    		 
    #
    Value
    Losses
                             
    Available-for-Sale Portfolio:
    		                       
     Obligations of state and political subdivisions
    		 
    19
    $11,503
    $61
    		 
    0
    $0
    $0
    		 
    19
    $11,503
    $61
     Pooled trust preferred securities
    		 
    0
    0
    0
    		 
    3
    49,600
    12,379
    		 
    3
    49,600
    12,379
     Government agency mortgage-backed securities
    		 
    8
    14,354
    51
    		 
    0
    0
    0
    		 
    8
    14,354
    51
     Corporate debt securities
    		 
    1
    2,905
    44
    		 
    0
    0
    0
    		 
    1
    2,905
    44
     Government agency collateralized mortgage obligations
    		 
    4
    426
    2
    		 
    2
    1,041
    1
    		 
    6
    1,467
    3
     Marketable equity securities
    		 
    0
    0
    0
    		 
    1
    158
    43
    		 
    1
    158
    43
        Total available-for-sale/investment portfolio
    		 
    32
    $29,188
    $158
    		 
    6
    $50,799
    $12,423
    		 
    38
    $79,987
    $12,581
    Amortized cost and estimated fair value of debt securities by contractual maturity
    The amortized cost and estimated fair value of debt securities at December 31, 2013, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately.

       
    Available-for-Sale
    		 
       
    Amortized
    		  
    Fair
    		 
    (000's omitted)
    		 
    Cost
    		  
    Value
    		 
    Due in one year or less
    		 
    $
    40,802
    		  
    $
    41,307
    		 
    Due after one through five years
    		  
    177,826
    		   
    184,053
    		 
    Due after five years through ten years
    		  
    1,452,472
    		   
    1,414,410
    		 
    Due after ten years
    		  
    273,605
    		   
    268,946
    		 
         Subtotal
    		  
    1,944,705
    		   
    1,908,716
    		 
    Government agency mortgage-backed securities
    		  
    250,431
    		   
    254,978
    		 
    Government agency collateralized mortgage obligations
    		  
    21,779
    		   
    22,048
    		 
         Total
    		 
    $
    2,216,915
    		  
    $
    2,185,742
    		 
     
    Cash flow information on investment securities
    Cash flow information on investment securities for the years ended December 31 is as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Gross gains on sales of investment securities
    		 
    $
    96,258
    		  
    $
    350
    		  
    $
    349
    		 
    Gross losses on sales of investment securities
    		  
    15,490
    		   
    59
    		   
    319
    		 
    Proceeds from the maturities of mortgage-backed securities and CMO's
    		  
    83,232
    		   
    109,843
    		   
    97,224
    		 
    Purchases of mortgage-backed securities and CMO's
    		  
    51,194
    		   
    26,292
    		   
    253,378
    		 

    Investment securities with a carrying value of $0.978 billion and $1.176 billion at December 31, 2013 and 2012, respectively, were pledged to collateralize certain deposits and borrowings.
    XML 53 R40.htm IDEA: XBRL DOCUMENT v2.4.0.8
    STOCK-BASED COMPENSATION PLANS (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    STOCK-BASED COMPENSATION PLANS [Abstract]  
    Long-term share-based incentive program stock activity
    Activity in this long-term incentive program is as follows:
     
       
    Stock Options
    		 
        
    Weighted-average
    		 
        
    Exercise Price of
    		 
       
    Outstanding
    		  
    Shares
    		 
    Outstanding at December 31, 2011
    		  
    2,947,215
    		  
    $
    21.43
    		 
    Granted
    		  
    356,765
    		   
    28.78
    		 
    Exercised
    		  
    (526,141
    )
    		  
    18.91
    		 
    Forfeited
    		  
    (17,116
    )
    		  
    21.47
    		 
    Outstanding at December 31, 2012
    		  
    2,760,723
    		   
    22.86
    		 
    Granted
    		  
    369,589
    		   
    29.79
    		 
    Exercised
    		  
    (840,556
    )
    		  
    22.70
    		 
    Forfeited
    		  
    (14,865
    )
    		  
    24.45
    		 
    Outstanding at December 31, 2013
    		  
    2,274,891
    		   
    24.03
    		 
    Exercisable at December 31, 2013
    		  
    1,478,489
    		  
    $
    22.40
    		 
     
    Stock options outstanding and range of exercise price
    The following table summarizes the information about stock options outstanding under the Company’s stock option plan at December 31, 2013:
     
      
    Options outstanding
    		  
    Options exercisable
    		 
    Range of Exercise Price
    		  
    Shares
    		  
    Weighted
    -average
    Exercise
    Price
    		  
    Weighted-
    average
    Remaining
    Life (years)
    		  
    Shares
    		  
    Weighted
    -average
    Exercise
    Price
    		 
     
    $0.00 – $18.00
    		   
    176,801
    		  
    $
    17.59
    		   
    5.14
    		   
    176,801
    		  
    $
    17.59
    		 
     
    $18.001 – $23.00
    		   
    742,163
    		   
    19.59
    		   
    4.74
    		   
    588,118
    		   
    19.75
    		 
     
    $23.001 – $28.00
    		   
    667,072
    		   
    25.22
    		   
    4.14
    		   
    546,370
    		   
    24.75
    		 
     
    $28.001 – $29.00
    		   
    327,464
    		   
    28.78
    		   
    8.22
    		   
    107,915
    		   
    28.78
    		 
     
    $29.001 – $30.00
    		   
    361,391
    		   
    29.79
    		   
    9.21
    		   
    59,285
    		   
    29.79
    		 
    TOTAL
    		   
    2,274,891
    		  
    $
    24.03
    		   
    5.81
    		   
    1,478,489
    		  
    $
    22.40
    		 
    Summary of valuation assumptions used to value stock options
    Management estimated the fair value of options granted using the Black-Scholes option-pricing model.  This model was originally developed to estimate the fair value of exchange-traded equity options, which (unlike employee stock options) have no vesting period or transferability restrictions.  As a result, the Black-Scholes model is not necessarily a precise indicator of the value of an option, but it is commonly used for this purpose.  The Black-Scholes model requires several assumptions, which management developed based on historical trends and current market observations.

      
    2013
    		  
    2012
    		  
    2011
    		 
    Weighted-average Fair Value of Options Granted
    		 
    $
    6.24
    		  
    $
    6.40
    		  
    $
    6.69
    		 
    Assumptions:
    		            
         Weighted-average expected life (in years)
    		  
    7.23
    		   
    7.40
    		   
    7.72
    		 
         Future dividend yield
    		  
    3.90
    %
    		  
    3.90
    %
    		  
    3.90
    %
         Share price volatility
    		  
    31.21
    %
    		  
    31.79
    %
    		  
    32.12
    %
         Weighted-average risk-free interest rate
    		  
    1.91
    %
    		  
    2.34
    %
    		  
    3.34
    %
    Unvested stock awards activity
    A summary of the status of the Company’s unvested restricted stock awards as of December 31, 2013, and changes during the twelve months ended December 31, 2013 and 2012, is presented below:

       
    Restricted
    Shares
    		  
    Weighted-average
    grant date fair value
    		 
    Unvested at December 31, 2011
    		  
    269,641
    		  
    $
    20.12
    		 
    Awards
    		  
    64,705
    		   
    28.77
    		 
    Forfeitures
    		  
    (2,743
    )
    		  
    23.19
    		 
    Vestings
    		  
    (139,520
    )
    		  
    18.76
    		 
    Unvested at December 31, 2012
    		  
    192,083
    		   
    23.98
    		 
    Awards
    		  
    142,353
    		   
    22.13
    		 
    Forfeitures
    		  
    (2,896
    )
    		  
    25.34
    		 
    Vestings
    		  
    (70,575
    )
    		  
    22.28
    		 
    Unvested at December 31, 2013
    		  
    260,965
    		  
    $
    23.42
    		 
    XML 54 R53.htm IDEA: XBRL DOCUMENT v2.4.0.8
    LOANS, Credit Quality By Past Due Status (Details) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Aged analysis of the company's loans [Abstract]    
    Total Loans $ 4,109,083 $ 3,865,576
    Legacy Loan [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 35,689 37,938
    90 + Days Past Due and Still Accruing 2,418 2,355
    Nonaccrual 16,065 21,928
    Total Past Due 54,172 62,221
    Current 3,717,703 3,356,000
    Total Loans 3,771,875 3,418,221
    Acquired Loans [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 3,522 7,254
    90 + Days Past Due and Still Accruing 137 393
    Nonaccrual 3,408 4,432
    Total Past Due 7,067 12,079
    Acquired Impaired 7,090 [1] 13,761 [1]
    Current 323,051 421,515
    Total Loans 337,208 447,355 [1]
    Consumer Mortgage [Member] | Legacy Loan [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 16,589 16,334
    90 + Days Past Due and Still Accruing 1,253 1,553
    Nonaccrual 11,097 8,866
    Total Past Due 28,939 26,753
    Current 1,473,320 1,318,534
    Total Loans 1,502,259 1,345,287
    Consumer Mortgage [Member] | Acquired Loans [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 1,857 1,726
    90 + Days Past Due and Still Accruing 85 265
    Nonaccrual 1,463 2,420
    Total Past Due 3,405 4,411
    Acquired Impaired 0 [1] 0 [1]
    Current 76,394 98,717
    Total Loans 79,799 103,128 [1]
    Business Lending [Member] | Legacy Loan [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 2,960 6,012
    90 + Days Past Due and Still Accruing 164 167
    Nonaccrual 3,083 12,010
    Total Past Due 6,207 18,189
    Current 1,079,818 984,665
    Total Loans 1,086,025 1,002,854
    Business Lending [Member] | Acquired Loans [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 531 3,665
    90 + Days Past Due and Still Accruing 0 80
    Nonaccrual 1,472 1,681
    Total Past Due 2,003 5,426
    Acquired Impaired 7,090 [1] 13,761 [1]
    Current 165,246 211,903
    Total Loans 174,339 231,090 [1]
    Consumer Indirect [Member] | Legacy Loan [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 11,647 9,743
    90 + Days Past Due and Still Accruing 738 73
    Nonaccrual 14 0
    Total Past Due 12,399 9,816
    Current 723,878 627,541
    Total Loans 736,277 637,357
    Consumer Indirect [Member] | Acquired Loans [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 157 434
    90 + Days Past Due and Still Accruing 17 0
    Nonaccrual 0 0
    Total Past Due 174 434
    Acquired Impaired 0 [1] 0 [1]
    Current 3,551 9,727
    Total Loans 3,725 10,161 [1]
    Consumer Direct [Member] | Legacy Loan [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 1,858 1,725
    90 + Days Past Due and Still Accruing 90 71
    Nonaccrual 4 8
    Total Past Due 1,952 1,804
    Current 169,452 154,462
    Total Loans 171,404 156,266
    Consumer Direct [Member] | Acquired Loans [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 385 470
    90 + Days Past Due and Still Accruing 27 0
    Nonaccrual 0 0
    Total Past Due 412 470
    Acquired Impaired 0 [1] 0 [1]
    Current 8,323 14,738
    Total Loans 8,735 15,208 [1]
    Home Equity [Member] | Legacy Loan [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 2,635 4,124
    90 + Days Past Due and Still Accruing 173 491
    Nonaccrual 1,867 1,044
    Total Past Due 4,675 5,659
    Current 271,235 270,798
    Total Loans 275,910 276,457
    Home Equity [Member] | Acquired Loans [Member]
    		    
    Aged analysis of the company's loans [Abstract]    
    Past Due 30 - 89 Days 592 959
    90 + Days Past Due and Still Accruing 8 48
    Nonaccrual 473 331
    Total Past Due 1,073 1,338
    Acquired Impaired 0 [1] 0 [1]
    Current 69,537 86,430
    Total Loans $ 70,610 $ 87,768 [1]
    [1] Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performingunder ASC 310-30. As a result interest income, through the accretion of the difference between the carryingamount of the loans and the expected cashflows, is being recognized on acquired impaired loans.
    XML 55 R72.htm IDEA: XBRL DOCUMENT v2.4.0.8
    PARENT COMPANY STATEMENTS (Details) (USD $)
    In Thousands, unless otherwise specified
    		 1 Months Ended 12 Months Ended
    Jan. 31, 2012
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Dec. 31, 2010
    Assets [Abstract]          
    Cash and cash equivalents   $ 149,647 $ 228,558 $ 324,878  
    Other assets   152,390 117,650    
    Total assets   7,095,864 7,496,800 6,488,275  
    Liabilities and shareholders' equity [Abstract]          
    Accrued interest and other liabilities   79,998 135,849    
    Borrowings   102,097 102,073    
    Shareholders' equity   875,812 902,778 774,583 607,258
    Total liabilities and shareholders' equity   7,095,864 7,496,800    
    Revenues [Abstract]          
    Other income   102,180 99,246 89,222  
    Expenses [Abstract]          
    Interest on borrowings   2,520 2,716 5,801  
    Other expenses   14,971 16,459 12,869  
    (Loss) Income before tax benefit and equity in undistributed net income of subsidiaries   111,027 108,805 103,527  
    Income tax benefit   (32,198) (31,737) (30,385)  
    Net income   78,829 77,068 73,142  
    Comprehensive (loss)/income   (2,051) 102,237 111,647  
    Operating activities [Abstract]          
    Net income   78,829 77,068 73,142  
    Adjustments to reconcile net income to net cash provided by operating activities [Abstract]          
    Net change in other assets and other liabilities   11,247 292 14,268  
    Net cash provided by (used in) operating activities   103,184 108,424 94,378  
    Investing activities [Abstract]          
    Net cash (used in) provided by investing activities   553,258 (264,260) (22,695)  
    Financing activities [Abstract]          
    Issuance of common stock 57,500 15,239 64,145 5,351  
    Net cash provided by (used in) financing activities   (735,353) 59,516 41,358  
    Change in cash and cash equivalents   (78,911) (96,320) 113,041  
    Cash and cash equivalents at beginning of year 324,878 228,558 324,878 211,837  
    Cash and cash equivalents at end of year   149,647 228,558 324,878  
    Supplemental disclosures of cash flow information [Abstract]          
    Cash paid for interest   30,141 51,541 61,564  
    Supplemental disclosures of noncash financing activities [Abstract]          
    Dividends declared and unpaid   11,332 10,699 9,609  
    Parent Company [Member]
    		          
    Assets [Abstract]          
    Cash and cash equivalents   83,783 43,800 38,853  
    Investment securities   3,601 3,587    
    Investment in and advances to subsidiaries   895,211 961,718    
    Other assets   8,847 8,613    
    Total assets   991,442 1,017,718    
    Liabilities and shareholders' equity [Abstract]          
    Accrued interest and other liabilities   13,533 12,867    
    Borrowings   102,097 102,073    
    Shareholders' equity   875,812 902,778    
    Total liabilities and shareholders' equity   991,442 1,017,718    
    Revenues [Abstract]          
    Dividends from subsidiaries   66,000 0 52,251  
    Interest and dividends on investments   91 98 87  
    Other income   9 198 0  
    Total revenues   66,100 296 52,338  
    Expenses [Abstract]          
    Interest on borrowings   2,520 2,716 5,815  
    Other expenses   61 155 273  
    Total expenses   2,581 2,871 6,088  
    (Loss) Income before tax benefit and equity in undistributed net income of subsidiaries   63,519 (2,575) 46,250  
    Income tax benefit   862 1,274 2,237  
    (Loss) Income before equity in undistributed net income of subsidiaries   64,381 (1,301) 48,487  
    Equity in undistributed net income of subsidiaries   14,448 78,369 24,655  
    Net income   78,829 77,068 73,142  
    Comprehensive (loss)/income   (2,051) 102,237 111,647  
    Operating activities [Abstract]          
    Net income   78,829 77,068 73,142  
    Adjustments to reconcile net income to net cash provided by operating activities [Abstract]          
    (Gain)/loss on sale of investments   (9) 0 0  
    Equity in undistributed net income of subsidiaries   (14,448) (78,369) (24,655)  
    Net change in other assets and other liabilities   (221) (746) (504)  
    Net cash provided by (used in) operating activities   64,151 (2,047) 47,983  
    Investing activities [Abstract]          
    Purchase of investment securities   0 (3) 0  
    Proceeds from sale of investment securities   114 30 2  
    Repayments from subsidiaries, net   0 0 51  
    Capital contributions to subsidiaries   0 (20,081) (102,462)  
    Net cash (used in) provided by investing activities   114 (20,054) (102,409)  
    Financing activities [Abstract]          
    Issuance of common stock   19,200 67,813 91,714  
    Cash dividends paid   (43,482) (40,765) (34,404)  
    Net cash provided by (used in) financing activities   (24,282) 27,048 57,310  
    Change in cash and cash equivalents   39,983 4,947 2,884  
    Cash and cash equivalents at beginning of year 38,853 43,800 38,853 35,969  
    Cash and cash equivalents at end of year   83,783 43,800 38,853  
    Supplemental disclosures of cash flow information [Abstract]          
    Cash paid for interest   2,521 2,738 5,959  
    Supplemental disclosures of noncash financing activities [Abstract]          
    Dividends declared and unpaid   $ 11,332 $ 10,699 $ 9,609  
    XML 56 R2.htm IDEA: XBRL DOCUMENT v2.4.0.8
    CONSOLIDATED STATEMENTS OF CONDITION (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Assets:    
    Cash and cash equivalents $ 149,647 $ 228,558
    Available-for-sale investment securities (cost of $2,217,165 and $1,989,938, respectively) 2,186,163 2,121,394
    Held-to-maturity investment securities (fair value of $0 and $703,957, respectively) 0 637,894
    Other securities, at cost 32,562 59,239
    Loans held for sale, at fair value 728 0
    Loans 4,109,083 3,865,576
    Allowance for loan losses (44,319) (42,888)
    Net loans 4,064,764 3,822,688
    Core deposit intangibles, net 13,460 14,492
    Goodwill 374,991 369,703
    Other intangibles, net 2,048 2,939
    Intangible assets, net 390,499 387,134
    Premises and equipment, net 93,636 89,938
    Accrued interest and fee receivable 25,475 32,305
    Other assets 152,390 117,650
    Total assets 7,095,864 7,496,800
    Liabilities:    
    Noninterest-bearing deposits 1,203,346 1,110,994
    Interest-bearing deposits 4,692,698 4,517,045
    Total deposits 5,896,044 5,628,039
    Borrowings 141,913 728,061
    Subordinated debt held by unconsolidated subsidiary trusts 102,097 102,073
    Accrued interest and other liabilities 79,998 135,849
    Total liabilities 6,220,052 6,594,022
    Commitments and contingencies (See Note N)      
    Shareholders' equity:    
    Preferred stock $1.00 par value, 500,000 shares authorized, 0 shares issued 0 0
    Common stock, $1.00 par value, 75,000,000 shares authorized; 41,213,491 and 40,421,493 shares issued, respectively 41,213 40,421
    Additional paid-in capital 396,528 378,413
    Retained earnings 481,732 447,018
    Accumulated other comprehensive (loss) gain (26,546) 54,334
    Treasury stock, at cost (782,173 and 795,560 shares, respectively) (17,115) (17,408)
    Total shareholders' equity 875,812 902,778
    Total liabilities and shareholders' equity $ 7,095,864 $ 7,496,800
    XML 57 R45.htm IDEA: XBRL DOCUMENT v2.4.0.8
    PARENT COMPANY STATEMENTS (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    PARENT COMPANY STATEMENTS [Abstract]  
    Condensed balance sheet of the parent company
    The condensed balance sheets of the parent company at December 31 are as follows:

    (000's omitted) 
    		 
    2013
    		  
    2012
    		 
    Assets:
    		    
      Cash and cash equivalents
    		 
    $
    83,783
    		  
    $
    43,800
    		 
      Investment securities
    		  
    3,601
    		   
    3,587
    		 
      Investment in and advances to subsidiaries
    		  
    895,211
    		   
    961,718
    		 
      Other assets
    		  
    8,847
    		   
    8,613
    		 
         Total assets
    		 
    $
    991,442
    		  
    $
    1,017,718
    		 
             
    Liabilities and shareholders' equity:
    		        
      Accrued interest and other liabilities
    		 
    $
    13,533
    		  
    $
    12,867
    		 
      Borrowings
    		  
    102,097
    		   
    102,073
    		 
      Shareholders' equity
    		  
    875,812
    		   
    902,778
    		 
         Total liabilities and shareholders' equity
    		 
    $
    991,442
    		  
    $
    1,017,718
    		 
    Condensed statement of income of parent company
    The condensed statements of income of the parent company for the years ended December 31 is as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Revenues:
    		      
      Dividends from subsidiaries
    		 
    $
    66,000
    		  
    $
    0
    		  
    $
    52,251
    		 
      Interest and dividends on investments
    		  
    91
    		   
    98
    		   
    87
    		 
      Other income
    		  
    9
    		   
    198
    		   
    0
    		 
            Total revenues
    		  
    66,100
    		   
    296
    		   
    52,338
    		 
    Expenses:
    		            
      Interest on borrowings
    		  
    2,520
    		   
    2,716
    		   
    5,815
    		 
      Other expenses
    		  
    61
    		   
    155
    		   
    273
    		 
            Total expenses
    		  
    2,581
    		   
    2,871
    		   
    6,088
    		 
                 
    (Loss) Income before tax benefit and equity in undistributed net income of subsidiaries
    		  
    63,519
    		   
    (2,575
    )
    		  
    46,250
    		 
    Income tax benefit
    		  
    862
    		   
    1,274
    		   
    2,237
    		 
      (Loss) Income before equity in undistributed net income of subsidiaries
    		  
    64,381
    		   
    (1,301
    )
    		  
    48,487
    		 
    Equity in undistributed net income of subsidiaries
    		  
    14,448
    		   
    78,369
    		   
    24,655
    		 
    Net income
    		 
    $
    78,829
    		  
    $
    77,068
    		  
    $
    73,142
    		 
    Comprehensive (loss)/income
    		 
    $ 
    (2,051
    )
    		 
    $
    102,237
    		  
    $
    111,647
    		 
     
    Statement of cash flows of the parent company
    The statements of cash flows of the parent company for the years ended December 31 is as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Operating activities:
    		      
      Net income
    		 
    $
    78,829
    		  
    $
    77,068
    		  
    $
    73,142
    		 
      Adjustments to reconcile net income to net cash provided by operating activities
    		            
        (Gain)/loss on sale of investments
    		  
    (9
    )
    		  
    0
    		   
    0
    		 
        Equity in undistributed net income of subsidiaries
    		  
    (14,448
    )
    		  
    (78,369
    )
    		  
    (24,655
    )
        Net change in other assets and other liabilities
    		  
    (221
    )
    		  
    (746
    )
    		  
    (504
    )
           Net cash provided by (used in) operating activities
    		  
    64,151
    		   
    (2,047
    )
    		  
    47,983
    		 
    Investing activities:
    		            
      Purchase of investment securities
    		  
    0
    		   
    (3
    )
    		  
    0
    		 
      Proceeds from sale of investment securities
    		  
    114
    		   
    30
    		   
    2
    		 
      Repayments from subsidiaries, net
    		  
    0
    		   
    0
    		   
    51
    		 
      Capital contributions to subsidiaries
    		  
    0
    		   
    (20,081
    )
    		  
    (102,462
    )
           Net cash provided by (used in) investing activities
    		  
    114
    		   
    (20,054
    )
    		  
    (102,409
    )
    Financing activities:
    		            
      Issuance of common stock
    		  
    19,200
    		   
    67,813
    		   
    91,714
    		 
      Cash dividends paid
    		  
    (43,482
    )
    		  
    (40,765
    )
    		  
    (34,404
    )
           Net cash provided by (used in) financing activities
    		  
    (24,282
    )
    		  
    27,048
    		   
    57,310
    		 
    Change in cash and cash equivalents
    		  
    39,983
    		   
    4,947
    		   
    2,884
    		 
    Cash and cash equivalents at beginning of year
    		  
    43,800
    		   
    38,853
    		   
    35,969
    		 
    Cash and cash equivalents at end of year
    		 
    $
    83,783
    		  
    $
    43,800
    		  
    $
    38,853
    		 
                 
    Supplemental disclosures of cash flow information:
    		            
      Cash paid for interest
    		 
    $
    2,521
    		  
    $
    2,738
    		  
    $
    5,959
    		 
    Supplemental disclosures of noncash financing activities
    		            
      Dividends declared and unpaid
    		 
    $
    11,332
    		  
    $
    10,699
    		  
    $
    9,609
    		 
    XML 58 R6.htm IDEA: XBRL DOCUMENT v2.4.0.8
    CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (USD $)
    In Thousands, except Share data, unless otherwise specified
    Common Stock [Member]
    Additional Paid-in Capital [Member]
    Retained Earnings [Member]
    Accumulated Other Comprehensive (Loss)/Income [Member]
    Treasury Stock [Member]
    Total
    Balance at Dec. 31, 2010 $ 34,131 $ 225,543 $ 374,700 $ (9,340) $ (17,776) $ 607,258
    Balance (in shares) at Dec. 31, 2010 33,318,943          
    Net income     73,142     73,142
    Other comprehensive income (loss), net of tax       38,505   38,505
    Dividends declared:            
    Common, per share     (36,037)     (36,037)
    Common stock issued under employee stock plan, including tax benefits 311 4,947     93 5,351
    Common stock issued under Employee stock plan, including tax benefits (in shares) 314,665          
    Stock-based compensation   3,784       3,784
    Stock issued for acquisition 3,353 79,227       82,580
    Stock issued for acquisition (in shares) 3,352,801          
    Balance at Dec. 31, 2011 37,795 313,501 411,805 29,165 (17,683) 774,583
    Balance (in shares) at Dec. 31, 2011 36,986,409          
    Net income     77,068     77,068
    Other comprehensive income (loss), net of tax       25,169   25,169
    Dividends declared:            
    Common, per share     (41,855)     (41,855)
    Common stock issued under employee stock plan, including tax benefits 496 8,457     275 9,228
    Common stock issued under Employee stock plan, including tax benefits (in shares) 509,724          
    Stock-based compensation   3,668       3,668
    Common stock issuance 2,130 52,787       54,917
    Common stock issuance (in shares) 2,129,800          
    Balance at Dec. 31, 2012 40,421 378,413 447,018 54,334 (17,408) 902,778
    Balance (in shares) at Dec. 31, 2012 39,625,933          
    Net income     78,829     78,829
    Other comprehensive income (loss), net of tax       (80,880)   (80,880)
    Dividends declared:            
    Common, per share     (44,115)     (44,115)
    Common stock issued under employee stock plan, including tax benefits 792 14,154     293 15,239
    Common stock issued under Employee stock plan, including tax benefits (in shares) 805,385          
    Stock-based compensation   3,961       3,961
    Balance at Dec. 31, 2013 $ 41,213 $ 396,528 $ 481,732 $ (26,546) $ (17,115) $ 875,812
    Balance (in shares) at Dec. 31, 2013 40,431,318          
    XML 59 R59.htm IDEA: XBRL DOCUMENT v2.4.0.8
    DEPOSITS (Details) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    DEPOSITS [Abstract]    
    Noninterest checking $ 1,203,346 $ 1,110,994
    Interest checking 1,289,676 1,151,522
    Savings 1,010,196 940,985
    Money market 1,466,273 1,409,123
    Time 926,553 1,015,415
    Total deposits 5,896,044 5,628,039
    Contractual Maturities, Time Deposits, $100,000 or More [Abstract]    
    2014 142,691  
    2015 20,938  
    2016 17,880  
    2017 14,347  
    2018 8,213  
    Thereafter 2,346  
    Total $ 206,415 $ 244,900
    XML 60 R35.htm IDEA: XBRL DOCUMENT v2.4.0.8
    GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS [Abstract]  
    Gross carrying amount and accumulated amortization of identifiable intangible assets
    The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:

       
    December 31, 2013
    		  
    December 31, 2012
    		 
       
    Gross
    		    
    Net
    		  
    Gross
    		    
    Net
    		 
       
    Carrying
    		  
    Accumulated
    		  
    Carrying
    		  
    Carrying
    		  
    Accumulated
    		  
    Carrying
    		 
    (000's omitted)
    		 
    Amount
    		  
    Amortization
    		  
    Amount
    		  
    Amount
    		  
    Amortization
    		  
    Amount
    		 
    Amortizing intangible assets:
    		            
      Core deposit intangibles
    		 
    $
    40,722
    		  
    $ 
    (27,262
    )
    		 
    $
    13,460
    		  
    $
    38,185
    		  
    $ 
    (23,693
    )
    		 
    $
    14,492
    		 
      Other intangibles
    		  
    9,441
    		   
    (7,393
    )
    		  
    2,048
    		   
    9,432
    		   
    (6,493
    )
    		  
    2,939
    		 
     Total amortizing intangibles
    		 
    $
    50,163
    		  
    $ 
    (34,655
    )
    		 
    $
    15,508
    		  
    $
    47,617
    		  
    $ 
    (30,186
    )
    		 
    $
    17,431
    		 
    Estimated aggregate amortization expense
    The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:

    2014
    		 
    $
    4,160
    		 
    2015
    		  
    3,296
    		 
    2016
    		  
    2,515
    		 
    2017
    		  
    1,828
    		 
    2018
    		  
    1,359
    		 
    Thereafter
    		  
    2,350
    		 
    Total
    		 
    $
    15,508
    		 
    Components of goodwill
    Shown below are the components of the Company’s goodwill at December 31, 2013 and 2012:

       
    Year Ended
    		    
    Year Ended
    		    
    Year Ended
    		 
    (000’s omitted)
    		 
    December 31, 2011
    		  
    Activity
    		  
    December 31, 2012
    		  
    Activity
    		  
    December 31, 2013
    		 
    Goodwill
    		 
    $
    349,874
    		  
    $
    24,653
    		  
    $
    374,527
    		  
    $
    5,288
    		  
    $
    379,815
    		 
    Accumulated impairment
    		  
    (4,824
    )
    		  
    0
    		   
    (4,824
    )
    		  
    0
    		   
    (4,824
    )
    Goodwill, net
    		 
    $
    345,050
    		  
    $
    24,653
    		  
    $
    369,703
    		  
    $
    5,288
    		  
    $
    374,991
    		 
    Changes in Mortgage servicing rights
    The following table summarizes the changes in carrying value of MSRs and the associated valuation allowance:

    (000’s omitted)
    		 
    2013
    		  
    2012
    		 
    Carrying value before valuation allowance at beginning of period
    		 
    $
    1,458
    		  
    $
    2,145
    		 
    Additions
    		  
    289
    		   
    0
    		 
    Amortization
    		  
    (529
    )
    		  
    (687
    )
    Carrying value before valuation allowance at end of period
    		  
    1,218
    		   
    1,458
    		 
    Valuation allowance balance at beginning of period
    		  
    (430
    )
    		  
    (397
    )
    Impairment charges
    		  
    (111
    )
    		  
    (279
    )
    Impairment recoveries
    		  
    541
    		   
    246
    		 
    Valuation allowance balance at end of period
    		  
    0
    		   
    (430
    )
    Net carrying value at end of period
    		 
    $
    1,218
    		  
    $
    1,028
    		 
    Fair value of MSRs at end of period
    		 
    $
    1,495
    		  
    $
    1,028
    		 
    Principal balance of loans sold during the year
    		 
    $
    25,179
    		  
    $
    3,554
    		 
    Principal balance of loans serviced for others
    		 
    $
    322,030
    		  
    $
    367,241
    		 
    Custodial escrow balances maintained in connection with loans serviced for others
    		 
    $
    4,519
    		  
    $
    5,011
    		 
    Table of key economic assumptions used to estimate fair value of MSRs
    The following table summarizes the key economic assumptions used to estimate the value of the MSRs at December 31:

      
    2013
    		  
    2012
    		 
    Weighted-average contractual life (in years)
    		  
    19.2
    		   
    18.8
    		 
    Weighted-average constant prepayment rate (CPR)
    		  
    18.0
    %
    		  
    34.4
    %
    Weighted-average discount rate
    		  
    4.5
    %
    		  
    3.1
    %
    XML 61 R65.htm IDEA: XBRL DOCUMENT v2.4.0.8
    BENEFIT PLANS, Estimated Future Benefit Payments (Details) (USD $)
    In Thousands, unless otherwise specified
    Dec. 31, 2013
    Pension Benefits [Member]
    		  
    Estimated Future Benefit Payments [Abstract]  
    2014 $ 6,021
    2015 7,396
    2016 7,882
    2017 8,110
    2018 8,132
    2019-2023 48,507
    Post-retirement Benefits [Member]
    		  
    Estimated Future Benefit Payments [Abstract]  
    2014 230
    2015 220
    2016 196
    2017 194
    2018 192
    2019-2023 $ 811
    XML 62 R22.htm IDEA: XBRL DOCUMENT v2.4.0.8
    EARNINGS PER SHARE
    		 12 Months Ended
    Dec. 31, 2013
    EARNINGS PER SHARE [Abstract]  
    EARNINGS PER SHARE
    NOTE M:  EARNINGS PER SHARE

    Basic earnings per share are computed based on the weighted-average of the common shares outstanding for the period.  Diluted earnings per share are based on the weighted-average of the shares outstanding adjusted for the dilutive effect of restricted stock and the assumed exercise of stock options during the year.  The dilutive effect of options is calculated using the treasury stock method of accounting.  The treasury stock method determines the number of common shares that would be outstanding if all the dilutive options (those where the average market price is greater than the exercise price) were exercised and the proceeds were used to repurchase common shares in the open market at the average market price for the applicable time period.  There were approximately 0.3 million, 0.5 million and 0.6 million weighted-average anti-dilutive stock options outstanding at December 31, 2013, 2012 and 2011, respectively, which were not included in the computation below.

    The following is a reconciliation of basic to diluted earnings per share for the years ended December 31, 2013, 2012 and 2011.

    (000's omitted, except per share data)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Net income
    		 
    $
    78,829
    		  
    $
    77,068
    		  
    $
    73,142
    		 
    Income attributable to unvested stock-based compensation awards
    		  
    (433
    )
    		  
    (499
    )
    		  
    (553
    )
    Income available to common shareholders
    		 
    $
    78,396
    		  
    $
    76,569
    		  
    $
    72,589
    		 
                 
    Weighted-average common shares outstanding - basic
    		  
    40,000
    		   
    39,192
    		   
    35,767
    		 
                 
    Basic earnings per share
    		 
    $
    1.96
    		  
    $
    1.95
    		  
    $
    2.03
    		 
                 
    Net income
    		 
    $
    78,829
    		  
    $
    77,068
    		  
    $
    73,142
    		 
    Income attributable to unvested stock-based compensation awards
    		  
    (433
    )
    		  
    (499
    )
    		  
    (553
    )
    Income available to common shareholders
    		 
    $
    78,396
    		  
    $
    76,569
    		  
    $
    72,589
    		 
                 
    Weighted-average common shares outstanding
    		  
    40,000
    		   
    39,192
    		   
    35,767
    		 
    Assumed exercise of stock options
    		  
    504
    		   
    479
    		   
    415
    		 
    Weighted-average common shares outstanding – diluted
    		  
    40,504
    		   
    39,671
    		   
    36,182
    		 
                 
    Diluted earnings per share
    		 
    $
    1.94
    		  
    $
    1.93
    		  
    $
    2.01
    		 
    Cash dividends declared per share
    		 
    $
    1.10
    		  
    $
    1.06
    		  
    $
    1.00
    		 

    In late January 2012, the Company completed a public common stock offering and raised $57.5 million through the issuance of 2.13 million shares of the Company’s common stock.  The net proceeds of the offering were approximately $54.9 million.  The Company used the capital raised in this offering to support the HSBC and First Niagara branch acquisitions.  In April 2011, the Company issued 3.35 million additional shares of the Company’s common stock in conjunction with the Wilber acquisition.
     
    Stock Repurchase Program
    On July 22, 2009, the Company announced an authorization to repurchase up to 1,000,000 of its outstanding shares in open market transactions or privately negotiated transactions in accordance with securities laws and regulations through December 31, 2011.  At its December 2011 meeting, the Board approved extending the stock repurchase program authorizing the repurchase, at the discretion of senior management, of up to 1,500,000 shares through December 31, 2012.  At its December 2012 meeting, the Board approved a new repurchase program authorizing the repurchase of up to 2,000,000 shares of the Company’s common stock, in accordance with securities laws and regulations, through December 31, 2013.   There were no treasury stock purchases in 2013, 2012 or 2011.  At its December 2013 meeting, the Board approved a new repurchase program authorizing the repurchase of up to 2,000,000 shares of the Company’s common stock, in accordance with securities laws and regulations, through December 31, 2014.  Any repurchased shares will be used for general corporate purposes, including those related to stock plan activities.  The timing and extent of repurchases will depend on market conditions and other corporate considerations as determined at the Company’s discretion.
    XML 63 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
    DEPOSITS (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    DEPOSITS [Abstract]  
    Deposits
    Deposits consist of the following at December 31:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Noninterest checking
    		 
    $
    1,203,346
    		  
    $
    1,110,994
    		 
    Interest checking
    		  
    1,289,676
    		   
    1,151,522
    		 
    Savings
    		  
    1,010,196
    		   
    940,985
    		 
    Money market
    		  
    1,466,273
    		   
    1,409,123
    		 
    Time
    		  
    926,553
    		   
    1,015,415
    		 
      Total deposits
    		 
    $
    5,896,044
    		  
    $
    5,628,039
    		 
    Maturities of time deposits in denominations of $100,000 and greater
    At December 31, 2013 and 2012, time deposits in denominations of $100,000 and greater totaled $206.4 million and $244.9 million, respectively.  The approximate maturities of these time deposits at December 31, 2013 are as follows:

    (000's omitted)
    		 
    Amount
    		 
    2014
    		 
    $
    142,691
    		 
    2015
    		  
    20,938
    		 
    2016
    		  
    17,880
    		 
    2017
    		  
    14,347
    		 
    2018
    		  
    8,213
    		 
    Thereafter
    		  
    2,346
    		 
      Total
    		 
    $
    206,415
    		 
    XML 64 R24.htm IDEA: XBRL DOCUMENT v2.4.0.8
    LEASES
    		 12 Months Ended
    Dec. 31, 2013
    LEASES [Abstract]  
    LEASES
    NOTE O:  LEASES

    The Company leases buildings, office space, and equipment under agreements that expire in various years.  Rental expense included in operating expenses amounted to $5.1 million, $4.9 million and $4.2 million in 2013, 2012 and 2011, respectively.  The future minimum rental commitments as of December 31, 2013 for all non-cancelable operating leases are as follows:

    2014
    		 
    $
    5,342
    		 
    2015
    		  
    4,662
    		 
    2016
    		  
    4,442
    		 
    2017
    		  
    3,780
    		 
    2018
    		  
    3,161
    		 
    Thereafter
    		  
    5,138
    		 
      Total
    		 
    $
    26,525
    		 
    XML 65 R68.htm IDEA: XBRL DOCUMENT v2.4.0.8
    EARNINGS PER SHARE (Details) (USD $)
    In Thousands, except Share data, unless otherwise specified
    		 1 Months Ended 12 Months Ended
    Jan. 31, 2012
    Apr. 30, 2011
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Jul. 22, 2009
    EARNINGS PER SHARE [Abstract]            
    Weighted-average anti-dilutive stock options outstanding (in shares)     300,000 500,000 600,000  
    Basic earnings per share [Abstract]            
    Net income     $ 78,829 $ 77,068 $ 73,142  
    Income attributable to unvested stock-based compensation awards     (433) (499) (553)  
    Income available to common shareholders     78,396 76,569 72,589  
    Weighted-average common shares outstanding - basic (in shares)     40,000,000 39,192,000 35,767,000  
    Basic earnings per share (in dollars per share)     $ 1.96 $ 1.95 $ 2.03  
    Diluted earnings per share [Abstract]            
    Net income     78,829 77,068 73,142  
    Income attributable to unvested stock-based compensation awards     (433) (499) (553)  
    Income available to common shareholders     78,396 76,569 72,589  
    Weighted-average common shares outstanding (in shares)     40,000,000 39,192,000 35,767,000  
    Assumed exercise of stock options (in shares)     504,000 479,000 415,000  
    Weighted-average shares - diluted (in shares)     40,504,000 39,671,000 36,182,000  
    Diluted earnings per share (in dollars per share)     $ 1.94 $ 1.93 $ 2.01  
    Cash dividends declared per share (in dollars per share)     $ 1.10 $ 1.06 $ 1.00  
    Common stock issuance 57,500   15,239 64,145 5,351  
    Common stock issuance (in shares) 2,130,000 3,350,000        
    Net proceeds from offerings $ 54,900     $ 54,917    
    Stock Repurchase Program [Abstract]            
    Number of common shares authorized to be repurchased (in shares)     2,000,000 2,000,000 1,500,000 1,000,000
    XML 66 Show.js IDEA: XBRL DOCUMENT /** * Rivet Software Inc. * * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved. * Version 2.4.0.3 * */ var Show = {}; Show.LastAR = null, Show.hideAR = function(){ Show.LastAR.style.display = 'none'; }; Show.showAR = function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }; Show.toggleNext = function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }; XML 67 R7.htm IDEA: XBRL DOCUMENT v2.4.0.8
    CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) (USD $)
    In Thousands, except Per Share data, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Cash dividends declared:      
    Dividends declared per common share (in dollars per share) $ 1.10 $ 1.06 $ 1.00
    Common stock issued under employee stock plan, tax benefits $ 1,825 $ 1,524 $ 703
    XML 68 R3.htm IDEA: XBRL DOCUMENT v2.4.0.8
    CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) (USD $)
    In Thousands, except Share data, unless otherwise specified
    Dec. 31, 2013
    Dec. 31, 2012
    Assets:    
    Available-for-sale investment securities, cost $ 2,217,165 $ 1,989,938
    Held-to-maturity investment securities, fair value $ 0 $ 703,957
    Shareholders' equity:    
    Preferred stock, par value (in dollars per share) $ 1.00 $ 1.00
    Preferred stock, authorized (in shares) 500,000 500,000
    Preferred stock, issued (in shares) 0 0
    Common stock, par value (in dollars per share) $ 1.00 $ 1.00
    Common stock, authorized (in shares) 75,000,000 75,000,000
    Common stock, issued (in shares) 41,213,491 40,421,493
    Treasury stock, at cost (in shares) 782,173 795,560
    XML 69 R17.htm IDEA: XBRL DOCUMENT v2.4.0.8
    BORROWINGS
    		 12 Months Ended
    Dec. 31, 2013
    BORROWINGS [Abstract]  
    BORROWINGS
    NOTE H:  BORROWINGS

    Outstanding borrowings at December 31 are as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
      FHLB overnight advance
    		 
    $
    141,900
    		  
    $
    0
    		 
      FHLB term advances
    		  
    0
    		   
    728,034
    		 
      Capital lease obligations
    		  
    13
    		   
    27
    		 
      Subordinated debt held by unconsolidated subsidiary trusts,
    		        
        net of discount of $430 and $454, respectively
    		  
    102,097
    		   
    102,073
    		 
            Total borrowings
    		 
    $
    244,010
    		  
    $
    830,134
    		 

    FHLB advances are collateralized by a blanket lien on the Company's residential real estate loan portfolio and various investment securities.

    The Company undertook a balance sheet restructuring program during the first half of 2013 through the sale of certain longer duration investment securities and retirement of the Company’s existing FHLB term advances.  During the first half of 2013, the Company sold securities and utilized the proceeds to retire $501.6 million of FHLB term borrowings with $63.5 million of associated early extinguishments costs.

    During December 2013, in response to the issuance of the “Volker Rule”, the Company sold certain  investment securities and utilized the proceeds to retire the remaining $226.4 million FHLB term advances with $23.8 million of associated early extinguishment costs.

    Borrowings at December 31, 2013 have contractual maturity dates as follows:

    (000's omitted, except rate)
    		 
    Carrying Value
    		  
    Weighted-average
    Rate at
    December 31, 2013
    		 
    January 2, 2014
    		 
    $
    141,900
    		   
    0.40
    %
    February 1, 2015
    		  
    13
    		   
    3.25
    %
    July 31, 2031
    		  
    24,777
    		   
    3.82
    %
    December 15, 2036
    		  
    77,320
    		   
    1.89
    %
       Total
    		 
    $
    244,010
    		   
    1.22
    %

    The weighted-average interest rate on borrowings for the years ended December 31, 2013 and 2012 was 2.70% and 3.46%, respectively.

    The Company sponsors two business trusts, Community Statutory Trust III and Community Capital Trust IV, of which 100% of the common stock is owned by the Company.  The trusts were formed for the purpose of issuing company-obligated mandatorily redeemable preferred securities to third-party investors and investing the proceeds from the sale of such preferred securities solely in junior subordinated debt securities of the Company.  The debentures held by each trust are the sole assets of that trust.  Distributions on the preferred securities issued by each trust are payable quarterly at a rate per annum equal to the interest rate being earned by the trust on the debentures held by that trust and are recorded as interest expense in the consolidated financial statements.  The preferred securities are subject to mandatory redemption, in whole or in part, upon repayment of the debentures.  The Company has entered into agreements which, taken collectively, fully and unconditionally guarantee the preferred securities subject to the terms of each of the guarantees.  The terms of the preferred securities of each trust are as follows:

     
    Issuance
    Par
    Interest
    Maturity
    Call
    Trust
    Date
    Amount
    Rate
    Date
    Price
    III
    7/31/2001
    $24.5 million
    3 month LIBOR plus 3.58% (3.82%)
    7/31/2031
    Par
    IV
    12/8/2006
    $75 million
    3 month LIBOR plus 1.65% (1.89%)
    12/15/2036
      Par

    On December 8, 2006, the Company established Community Capital Trust IV, which completed the sale of $75 million of trust preferred securities.  At the time of the offering, the Company also entered into an interest rate swap agreement to convert the variable rate trust preferred securities into fixed rate securities for a term of five years at a fixed rate of 6.43%.  The interest rate swap agreement expired December 15, 2011.  Additional interest expense of $3.2 million was recognized in the year ended December 31, 2011 due to the interest rate swap agreement and is included in interest on subordinated debt held by unconsolidated subsidiary trust in the Consolidated Statements of Income.
     
    XML 70 R1.htm IDEA: XBRL DOCUMENT v2.4.0.8
    Document and Entity Information (USD $)
    		 12 Months Ended
    Dec. 31, 2013
    Jan. 31, 2014
    Jun. 30, 2013
    Document and Entity Information [Abstract]      
    Entity Registrant Name COMMUNITY BANK SYSTEM, INC.    
    Entity Central Index Key 0000723188    
    Current Fiscal Year End Date --12-31    
    Entity Well-known Seasoned Issuer Yes    
    Entity Voluntary Filers No    
    Entity Current Reporting Status Yes    
    Entity Filer Category Large Accelerated Filer    
    Entity Public Float     $ 1,177,067,787
    Entity Common Stock, Shares Outstanding   40,521,881  
    Document Fiscal Year Focus 2013    
    Document Fiscal Period Focus FY    
    Document Type 10-K    
    Amendment Flag false    
    Document Period End Date Dec. 31, 2013    
    XML 71 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8
    INCOME TAXES
    		 12 Months Ended
    Dec. 31, 2013
    INCOME TAXES [Abstract]  
    INCOME TAXES
    NOTE I:  INCOME TAXES

    The provision for income taxes for the years ended December 31 is as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Current:
    		      
         Federal
    		 
    $
    24,202
    		  
    $
    18,875
    		  
    $
    17,145
    		 
         State and other
    		  
    866
    		   
    830
    		   
    375
    		 
    Deferred:
    		            
         Federal
    		  
    5,806
    		   
    9,051
    		   
    10,674
    		 
         State and other
    		  
    1,324
    		   
    2,981
    		   
    2,191
    		 
    Provision for income taxes
    		 
    $
    32,198
    		  
    $
    31,737
    		  
    $
    30,385
    		 

    Components of the net deferred tax liability, included in other liabilities, as of December 31 are as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Allowance for loan losses
    		 
    $
    17,246
    		  
    $
    16,755
    		 
    Employee benefits
    		  
    6,329
    		   
    6,748
    		 
    Investment securities
    		  
    4,882
    		   
    0
    		 
    Debt extinguishment
    		  
    1,215
    		   
    1,517
    		 
    Other
    		  
    1,799
    		   
    2,292
    		 
      Deferred tax asset
    		  
    31,471
    		   
    27,312
    		 
             
    Investment securities
    		  
    0
    		   
    58,824
    		 
    Intangible assets, net
    		  
    22,095
    		   
    16,648
    		 
    Loan origination costs
    		  
    6,883
    		   
    6,069
    		 
    Depreciation
    		  
    4,838
    		   
    5,138
    		 
    Mortgage servicing rights
    		  
    473
    		   
    399
    		 
    Pension
    		  
    21,735
    		   
    5,481
    		 
      Deferred tax liability
    		  
    56,024
    		   
    92,559
    		 
    Net deferred tax liability
    		 
    $ 
    (24,553
    )
    		 
    $ 
    (65,247
    )

    The Company has determined that no valuation allowance is necessary as it is more likely than not that the gross deferred tax assets will be realized through carryback of future deductions to taxable income in prior years, future reversals of existing temporary differences, and through future taxable income.

    A reconciliation of the differences between the federal statutory income tax rate and the effective tax rate for the years ended December 31 is shown in the following table:
     
      
    2013
    		  
    2012
    		  
    2011
    		 
    Federal statutory income tax rate
    		  
    35.0
    %
    		  
    35.0
    %
    		  
    35.0
    %
    Increase (reduction) in taxes resulting from:
    		            
         Tax-exempt interest
    		  
    (6.3
    )
    		  
    (7.1
    )
    		  
    (7.1
    )
         State income taxes, net of federal benefit
    		  
    1.3
    		   
    2.3
    		   
    1.6
    		 
         Other
    		  
    (1.0
    )
    		  
    (1.0
    )
    		  
    (0.1
    )
    Effective income tax rate
    		  
    29.0
    %
    		  
    29.2
    %
    		  
    29.4
    %

    A reconciliation of the unrecognized tax benefits for the years ended December 31 is shown in the following table:
     
    (000’s omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Unrecognized tax benefits at beginning of year
    		 
    $
    70
    		  
    $
    133
    		  
    $
    98
    		 
    Changes related to:
    		            
         Positions taken during the current year
    		  
    68
    		   
    35
    		   
    35
    		 
         Settlements with taxing authorities
    		  
    0
    		   
    (98
    )
    		  
    0
    		 
         Lapse of statutes of limitation
    		  
    0
    		   
    0
    		   
    0
    		 
    Unrecognized tax benefits at end of year
    		 
    $
    138
    		  
    $
    70
    		  
    $
    133
    		 

    As of December 31, 2013, the total amount of unrecognized tax benefits that would impact the Company’s effective tax rate if recognized is $0.1 million.  It is reasonably possible that the amount of unrecognized tax benefits could change in the next twelve months as a result of various examinations and expiration of statutes of limitations on prior tax returns.
     
    The Company’s policy is to recognize interest and penalties related to unrecognized tax benefits as part of income taxes in the consolidated statement of income.  The accrued interest related to tax positions was immaterial.

    The Company’s federal and state income tax returns are routinely subject to examination from various governmental taxing authorities.  Such examinations may result in challenges to the tax return treatment applied by the Company to specific transactions.  Management believes that the assumptions and judgment used to record tax-related assets or liabilities have been appropriate.  Future examinations by taxing authorities of the Company’s federal or state tax returns could have a material impact on the Company’s results of operations.  The Company’s federal income tax returns for years after 2009 may still be examined by the Internal Revenue Service.  New York State income tax returns for years after 2010 may still be examined by the New York Department of Taxation and Finance.  It is not possible to estimate when those examinations may be completed.
    XML 72 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
    CONSOLIDATED STATEMENTS OF INCOME (USD $)
    In Thousands, except Per Share data, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Interest income:      
    Interest and fees on loans $ 188,197 $ 192,710 $ 192,981
    Interest and dividends on taxable investments 54,995 65,165 55,634
    Interest and dividends on nontaxable investments 20,967 23,525 22,354
    Total interest income 264,159 281,400 270,969
    Interest expense:      
    Interest on deposits 10,732 18,162 26,156
    Interest on borrowings 12,813 30,098 29,599
    Interest on subordinated debt held by unconsolidated subsidiary trusts 2,520 2,716 5,801
    Total interest expense 26,065 50,976 61,556
    Net interest income 238,094 230,424 209,413
    Provision for loan losses 7,992 9,108 4,736
    Net interest income after provision for loan losses 230,102 221,316 204,677
    Noninterest income:      
    Deposit service fees 49,357 46,064 42,334
    Other banking services 5,245 4,069 4,651
    Employee Benefit Services 38,596 35,946 31,601
    Wealth management services 15,550 12,876 10,697
    Gain on sales of investment securities, net 80,768 291 30
    Loss on debt extinguishments (87,336) 0 (91)
    Total noninterest income 102,180 99,246 89,222
    Noninterest expenses:      
    Salaries and employee benefits 121,629 112,034 102,278
    Occupancy and equipment 27,045 25,799 24,502
    Data processing and communications 27,186 23,696 20,525
    Amortization of intangible assets 4,469 4,607 4,381
    Legal and professional fees 7,008 7,950 5,889
    Office supplies and postage 6,122 5,742 5,246
    Business development and marketing 6,815 5,919 5,931
    FDIC insurance premiums 3,829 3,804 3,920
    Acquisition expenses 2,181 5,747 4,831
    Other 14,971 16,459 12,869
    Total noninterest expenses 221,255 211,757 190,372
    Income before income taxes 111,027 108,805 103,527
    Income taxes 32,198 31,737 30,385
    Net income $ 78,829 $ 77,068 $ 73,142
    Basic earnings per share (in dollars per share) $ 1.96 $ 1.95 $ 2.03
    Diluted earnings per share (in dollars per share) $ 1.94 $ 1.93 $ 2.01
    XML 73 R12.htm IDEA: XBRL DOCUMENT v2.4.0.8
    INVESTMENT SECURITIES
    		 12 Months Ended
    Dec. 31, 2013
    INVESTMENT SECURITIES [Abstract]  
    INVESTMENT SECURITIES
    NOTE C:  INVESTMENT SECURITIES

    The amortized cost and estimated fair value of investment securities as of December 31 are as follows:

      
    2013
    		  
    2012
    		 
        
    Gross
    		  
    Gross
    		  
    Estimated
    		    
    Gross
    		  
    Gross
    		  
    Estimated
    		 
       
    Amortized
    		  
    Unrealized
    		  
    Unrealized
    		  
    Fair
    		  
    Amortized
    		  
    Unrealized
    		  
    Unrealized
    		  
    Fair
    		 
    (000's omitted)
    		 
    Cost
    		  
    Gains
    		  
    Losses
    		  
    Value
    		  
    Cost
    		  
    Gains
    		  
    Losses
    		  
    Value
    		 
    Held-to-Maturity Portfolio:
    		                
    U.S. Treasury and agency securities
    		 
    $
    0
    		  
    $
    0
    		  
    $
    0
    		  
    $
    0
    		  
    $
    548,634
    		  
    $
    59,081
    		  
    $
    0
    		  
    $
    607,715
    		 
    Obligations of state and political subdivisions
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    65,742
    		   
    5,850
    		   
    0
    		   
    71,592
    		 
    Government agency mortgage-backed securities
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    20,578
    		   
    1,079
    		   
    0
    		   
    21,657
    		 
    Corporate debt securities
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    2,924
    		   
    53
    		   
    0
    		   
    2,977
    		 
    Other securities
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    16
    		   
    0
    		   
    0
    		   
    16
    		 
    Total held-to-maturity portfolio
    		 
    $
    0
    		  
    $
    0
    		  
    $
    0
    		  
    $
    0
    		  
    $
    637,894
    		  
    $
    66,063
    		  
    $
    0
    		  
    $
    703,957
    		 
                                     
    Available-for-Sale Portfolio:
    		                                
    U.S. Treasury and agency securities
    		 
    $
    1,252,332
    		  
    $
    1,119
    		  
    $
    41,304
    		  
    $
    1,212,147
    		  
    $
    988,217
    		  
    $
    91,040
    		  
    $
    0
    		  
    $
    1,079,257
    		 
    Obligations of state and political subdivisions
    		  
    665,441
    		   
    15,919
    		   
    12,378
    		   
    668,982
    		   
    629,883
    		   
    33,070
    		   
    61
    		   
    662,892
    		 
    Government agency mortgage-backed securities
    		  
    250,431
    		   
    8,660
    		   
    4,113
    		   
    254,978
    		   
    253,013
    		   
    16,989
    		   
    51
    		   
    269,951
    		 
    Pooled trust preferred securities
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    61,979
    		   
    0
    		   
    12,379
    		   
    49,600
    		 
    Corporate debt securities
    		  
    26,932
    		   
    873
    		   
    218
    		   
    27,587
    		   
    24,136
    		   
    1,265
    		   
    44
    		   
    25,357
    		 
    Government agency collateralized mortgage obligations
    		  
    21,779
    		   
    362
    		   
    93
    		   
    22,048
    		   
    32,359
    		   
    1,579
    		   
    3
    		   
    33,935
    		 
    Marketable equity securities
    		  
    250
    		   
    171
    		   
    0
    		   
    421
    		   
    351
    		   
    94
    		   
    43
    		   
    402
    		 
    Total available-for-sale portfolio
    		 
    $
    2,217,165
    		  
    $
    27,104
    		  
    $
    58,106
    		  
    $
    2,186,163
    		  
    $
    1,989,938
    		  
    $
    144,037
    		  
    $
    12,581
    		  
    $
    2,121,394
    		 
                                     
    Other Securities:
    		                                
    Federal Reserve Bank common stock
    		 
    $
    16,050
    		          
    $
    16,050
    		  
    $
    16,050
    		          
    $
    16,050
    		 
    Federal Home Loan Bank common stock
    		  
    12,053
    		           
    12,053
    		   
    38,111
    		           
    38,111
    		 
    Other equity securities
    		  
    4,459
    		           
    4,459
    		   
    5,078
    		           
    5,078
    		 
    Total other securities
    		 
    $
    32,562
    		          
    $
    32,562
    		  
    $
    59,239
    		          
    $
    59,239
    		 

    The Company undertook a balance sheet restructuring program during the first half of 2013 through the sale of certain longer duration investment securities and retirement of the Company’s existing FHLB term borrowings.  During the first half of 2013, the Company sold $648.7 million of U.S. Treasury and agency securities classified as available-for-sale, realizing $63.8 million of gains.  The proceeds from those sales were utilized to retire FHLB term borrowings.

    In December 2013, in response to the issuance of the “Volcker Rule”, the Company sold its entire portfolio of pooled trust preferred securities, realizing a loss of $15.5 million, as well as U.S. Treasury securities with a book value of $417.6 million that were previously classified as held-to-maturity, realizing $32.4 million of gains.  The proceeds from these sales were utilized to retire the remaining FHLB term borrowings.  As a result of the securities sold from the held-to-maturity classification, the remaining unsold securities within the held-to-maturity classification, with a book value of $198.9 million, were transferred to the available-for-sale classification prior to December 31, 2013. An unrealized loss of $1.8 million was recorded in accumulated other comprehensive income.  In addition, as a result of the sale of securities classified as held-to-maturity, the Company will not be able to use the held-to-maturity classification for the foreseeable future.

    A summary of investment securities that have been in a continuous unrealized loss position for less than or greater than twelve months is as follows:

    As of December 31, 2013
       
    Less than 12 Months
    		  
    12 Months or Longer
    		 Total
           
    Gross
    		     
    Gross
    		     
    Gross
         
    Fair
    Unrealized
    		   
    Fair
    Unrealized
    		   
    Fair
    Unrealized
    (000's omitted)
    		 
    #
    Value
    Losses
    		 
    #
    Value
    Losses
    		 
    #
    Value
    Losses
                             
    Available-for-Sale Portfolio:
    		                       
     U.S. Treasury and agency obligations
    		 
    43
    $1,181,214
    $41,304
    		 
    0
    $0
    $0
    		 
    43
    $1,181,214
    $41,304
     Obligations of state and political subdivisions
    		 
    302
    195,526
    11,774
    		 
    9
    4,974
    604
    		 
    311
    200,500
    12,378
     Government agency mortgage-backed securities
    		 
    43
    68,917
    3,262
    		 
    6
    8,713
    851
    		 
    49
    77,630
    4,113
     Corporate debt securities
    		 
    1
    3,026
    31
    		 
    1
    2,703
    187
    		 
    2
    5,729
    218
     Government agency collateralized mortgage obligations
    		 
    1
    2,601
    93
    		 
    1
    7
    0
    		 
    2
    2,608
    93
        Total available-for-sale/investment portfolio
    		 
    390
    $1,451,284
    $56,464
    		 
    17
    $16,397
    $1,642
    		 
    407
    $1,467,681
    $58,106
     
    As of December 31, 2012
     
       
    Less than 12 Months
    		  
    12 Months or Longer
    		 Total
           
    Gross
    		     
    Gross
    		     
    Gross
         
    Fair
    Unrealized
    		   
    Fair
    Unrealized
    		   
    Fair
    Unrealized
    (000's omitted)
    		 
    #
    Value
    Losses
    		 
    #
    Value
    Losses
    		 
    #
    Value
    Losses
                             
    Available-for-Sale Portfolio:
    		                       
     Obligations of state and political subdivisions
    		 
    19
    $11,503
    $61
    		 
    0
    $0
    $0
    		 
    19
    $11,503
    $61
     Pooled trust preferred securities
    		 
    0
    0
    0
    		 
    3
    49,600
    12,379
    		 
    3
    49,600
    12,379
     Government agency mortgage-backed securities
    		 
    8
    14,354
    51
    		 
    0
    0
    0
    		 
    8
    14,354
    51
     Corporate debt securities
    		 
    1
    2,905
    44
    		 
    0
    0
    0
    		 
    1
    2,905
    44
     Government agency collateralized mortgage obligations
    		 
    4
    426
    2
    		 
    2
    1,041
    1
    		 
    6
    1,467
    3
     Marketable equity securities
    		 
    0
    0
    0
    		 
    1
    158
    43
    		 
    1
    158
    43
        Total available-for-sale/investment portfolio
    		 
    32
    $29,188
    $158
    		 
    6
    $50,799
    $12,423
    		 
    38
    $79,987
    $12,581

    The unrealized losses reported pertaining to securities issued by the U.S. government and its’ sponsored entities, include treasuries, agencies, and mortgage-backed securities issued by GNMA, FNMA and FHLMC which are currently rated AAA by Moody’s Investor Services, AA+ by Standard & Poor’s and are guaranteed by the U.S. government. The majority of the obligations of state and political subdivisions and corporations carry a credit rating of A or better.  Additionally, a majority of the obligations of state and political subdivisions carry a secondary level of credit enhancement. The Company does not intend to sell these securities, nor is it more likely than not that the Company will be required to sell these securities prior to recovery of the amortized cost. The unrealized losses in the portfolios are primarily attributable to changes in interest rates.  As such, management does not believe any individual unrealized loss as of December 31, 2013 represents OTTI.

    The amortized cost and estimated fair value of debt securities at December 31, 2013, by contractual maturity, are shown below. Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately.

       
    Available-for-Sale
    		 
       
    Amortized
    		  
    Fair
    		 
    (000's omitted)
    		 
    Cost
    		  
    Value
    		 
    Due in one year or less
    		 
    $
    40,802
    		  
    $
    41,307
    		 
    Due after one through five years
    		  
    177,826
    		   
    184,053
    		 
    Due after five years through ten years
    		  
    1,452,472
    		   
    1,414,410
    		 
    Due after ten years
    		  
    273,605
    		   
    268,946
    		 
         Subtotal
    		  
    1,944,705
    		   
    1,908,716
    		 
    Government agency mortgage-backed securities
    		  
    250,431
    		   
    254,978
    		 
    Government agency collateralized mortgage obligations
    		  
    21,779
    		   
    22,048
    		 
         Total
    		 
    $
    2,216,915
    		  
    $
    2,185,742
    		 
     
    Cash flow information on investment securities for the years ended December 31 is as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Gross gains on sales of investment securities
    		 
    $
    96,258
    		  
    $
    350
    		  
    $
    349
    		 
    Gross losses on sales of investment securities
    		  
    15,490
    		   
    59
    		   
    319
    		 
    Proceeds from the maturities of mortgage-backed securities and CMO's
    		  
    83,232
    		   
    109,843
    		   
    97,224
    		 
    Purchases of mortgage-backed securities and CMO's
    		  
    51,194
    		   
    26,292
    		   
    253,378
    		 

    Investment securities with a carrying value of $0.978 billion and $1.176 billion at December 31, 2013 and 2012, respectively, were pledged to collateralize certain deposits and borrowings.
    XML 74 R11.htm IDEA: XBRL DOCUMENT v2.4.0.8
    ACQUISITIONS
    		 12 Months Ended
    Dec. 31, 2013
    ACQUISITIONS [Abstract]  
    ACQUISITIONS
    NOTE B:  ACQUISITIONS

    On December 13, 2013, the Bank completed its acquisition of eight branches in Northern Pennsylvania from Bank of America, N.A. (“B of A”), acquiring approximately $303 million of deposits and $1 million of loans.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing commercial loans. Under the terms of the purchase agreement, the Bank paid a blended deposit premium of 2.4%, or approximately $7.3 million.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.  

    On September 7, 2012, the Bank completed its acquisition of three branches in Western New York from First Niagara Bank, N.A. (“First Niagara”), acquiring approximately $54 million of loans and $101 million of deposits.  The assumed deposits consist primarily of core deposits (checking, savings and money market accounts) and the purchased loans consist of in-market performing loans, primarily residential real estate loans. Under the terms of the purchase agreement, the Bank paid a blended deposit premium of 3.1%, or approximately $3 million.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.  

    On July 20, 2012,  the Bank completed its acquisition of 16 retail branches in Central, Northern and Western New York from HSBC Bank USA, N.A. (“HSBC”), acquiring approximately $106 million in loans and $697 million of deposits.  The assumed deposits consist primarily of core deposits (checking, savings and money markets accounts) and the purchased loans consist of in-market performing loans, primarily residential real estate loans.  Under the terms of the purchase agreement, the Bank paid First Niagara (who acquired HSBC’s Upstate New York banking business and assigned its right to purchase the 16 branches to the Bank) a blended deposit premium of 3.4%, or approximately $24 million.  The effects of the acquired assets and liabilities have been included in the consolidated financial statements since that date.  

    On November 30, 2011, the Company, through its BPAS subsidiary, acquired certain assets and liabilities of CAI Benefits, Inc. (“CAI”), a provider of actuarial, consulting and retirement plan administration services, with offices in New York City and Northern New Jersey.  The Company acquired $1.4 million of assets and $0.2 million of liabilities.  The results of CAI’s operations have been included in the consolidated financial statements since that date.  The transaction adds valuable service capacity and enhances distribution prospects in support of the Company’s broader-based employee benefits business, including daily valuation plan and collective investment fund administration.

    On April 8, 2011, the Company acquired The Wilber Corporation (“Wilber”), parent company of Wilber National Bank, for approximately $103 million in stock and cash, comprised of $20.4 million in cash and the issuance of 3.35 million additional shares of the Company’s common stock.  Based in Oneonta, New York, Wilber operated 22 branches in the Central, Greater Capital District, and Catskill regions of Upstate New York.  Wilber was merged into the Company and Wilber National Bank was merged into the Bank.  The Company acquired $462.3 million of loans, $297.6 million of investments, $771.6 million of deposits, and $19.7 million of borrowings.  The results of Wilber’s operations have been included in the Company’s financial statements since that date.

    The assets and liabilities assumed in the acquisitions were recorded at their estimated fair values based on management's best estimates using information available at the dates of the acquisition, and are subject to adjustment based on updated information not available at the time of acquisition.  The following table summarizes the estimated fair value of the assets acquired and liabilities assumed.

    (000s omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Consideration paid (received):
    		      
    Community Bank System, Inc. common stock
    		 
    $
    0
    		  
    $
    0
    		  
    $
    82,580
    		 
    Cash
    		  
    (291,980
    )
    		  
    (595,462
    )
    		  
    22,155
    		 
       Total net consideration paid (received)
    		  
    (291,980
    )
    		  
    (595,462
    )
    		  
    104,735
    		 
    Recognized amounts of identifiable assets
    acquired and liabilities assumed:
    		            
    Cash and cash equivalents
    		  
    0
    		   
    5,510
    		   
    26,901
    		 
    Investment securities
    		  
    0
    		   
    0
    		   
    297,573
    		 
    Loans
    		  
    1,106
    		   
    160,116
    		   
    462,334
    		 
    Premises and equipment
    		  
    2,549
    		   
    4,941
    		   
    6,360
    		 
    Accrued interest receivable
    		  
    5
    		   
    588
    		   
    2,615
    		 
    Other assets/(liabilities), net
    		  
    (18
    )
    		  
    171
    		   
    46,942
    		 
    Core deposit intangibles
    		  
    2,537
    		   
    6,521
    		   
    4,016
    		 
    Other intangibles
    		  
    9
    		   
    0
    		   
    1,858
    		 
    Deposits
    		  
    (303,456
    )
    		  
    (797,962
    )
    		  
    (771,554
    )
    Borrowings
    		  
    0
    		   
    0
    		   
    (19,668
    )
      Total identifiable assets (liabilities), net
    		  
    (297,268
    )
    		  
    (620,115
    )
    		  
    57,377
    		 
         Goodwill
    		 
    $
    5,288
    		  
    $
    24,653
    		  
    $
    47,358
    		 

    Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments were aggregated by comparable characteristics and  recorded at fair value without a carryover of the related allowance for loan losses.  Cash flows for each loan were determined using an estimate of credit losses and an estimated rate of prepayments.  Projected monthly cash flows were then discounted to present value using a market-based discount rate.  The excess of the undiscounted expected cash flows over the estimated fair value is referred to as the “accretable yield” and is recognized into interest income over the remaining lives of the acquired loans.
     
    The following is a summary of the loans acquired in the Wilber acquisition at the date of acquisition:

     
    (000’s omitted)
    		 
    Acquired Impaired
    Loans
    		  
    Acquired
    Non-Impaired
    Loans
    		  
    Total
    Acquired
    Loans
    		 
    Contractually required principal and interest at acquisition
    		 
    $
    41,730
    		  
    $
    680,516
    		  
    $
    722,246
    		 
    Contractual cash flows not expected to be collected
    		  
    (20,061
    )
    		  
    (31,115
    )
    		  
    (51,176
    )
        Expected cash flows at acquisition
    		  
    21,669
    		   
    649,401
    		   
    671,070
    		 
    Interest component of expected cash flows
    		  
    (2,509
    )
    		  
    (206,227
    )
    		  
    (208,736
    )
       Fair value of acquired loans
    		 
    $
    19,160
    		  
    $
    443,174
    		  
    $
    462,334
    		 

    The following is a summary of the loans acquired from HSBC and First Niagara at the date of acquisition:

     
    (000’s omitted)
    		 
    Acquired Impaired
    Loans
    		  
    Acquired
    Non-Impaired
    Loans
    		  
    Total
    Acquired
    Loans
    		 
    Contractually required principal and interest at acquisition
    		 
    $
    0
    		  
    $
    201,745
    		  
    $
    201,745
    		 
    Contractual cash flows not expected to be collected
    		  
    0
    		   
    (3,555
    )
    		  
    (3,555
    )
        Expected cash flows at acquisition
    		  
    0
    		   
    198,190
    		   
    198,190
    		 
    Interest component of expected cash flows
    		  
    0
    		   
    (38,074
    )
    		  
    (38,074
    )
       Fair value of acquired loans
    		 
    $
    0
    		  
    $
    160,116
    		  
    $
    160,116
    		 

    The fair value of checking, savings and money market deposit accounts acquired were assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand.  Certificate of deposit accounts were valued as the present value of the certificates’ expected contractual payments discounted at market rates for similar certificates.

    The core deposit intangibles and other intangibles related to the B of A, HSBC, Wilber, and CAI acquisitions are being amortized using an accelerated method over their estimated useful life of approximately eight to ten years.  The goodwill, which is not amortized for book purposes, was assigned to the Banking segment for the B of A, First Niagara, HSBC and Wilber acquisitions and to the Employee Benefit Services segment for the CAI acquisition.  The goodwill arising from the Wilber acquisition is not deductible for tax purposes while the goodwill arising from the CAI, B of A branch, HSBC branch and First Niagara branch acquisitions is deductible for tax purposes.

    Direct costs related to the acquisitions were expensed as incurred.  Merger and acquisition integration-related expenses amount to $2.2 million, $5.7 million and $4.8 million during 2013, 2012 and 2011, respectively, and have been separately stated in the Consolidated Statements of Income.

    Supplemental pro forma financial information related to the B of A, HSBC and First Niagara acquisitions has not been provided as it would be impracticable to do so.  Historical financial information regarding the acquired branches is not accessible and thus the amounts would require estimates so significant as to render the disclosure irrelevant.

    During the fourth quarter, the Company announced that its subsidiary, Harbridge, reached an agreement to acquire a professional services practice from EBS-RMSCO, Inc., a subsidiary of The Lifetime Healthcare Companies.  This professional services practice, which provides actuarial valuation and consulting services to clients who sponsor pension and post-retirement medical and welfare plans, enhances the Company’s participation in the Western New York.  The transaction was completed as planned on January 1, 2014.
    XML 75 R23.htm IDEA: XBRL DOCUMENT v2.4.0.8
    COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
    		 12 Months Ended
    Dec. 31, 2013
    COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS [Abstract]  
    COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS
    NOTE N:  COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS

    The Company is a party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.  These financial instruments consist primarily of commitments to extend credit and standby letters of credit.  Commitments to extend credit are agreements to lend to customers, generally having fixed expiration dates or other termination clauses that may require payment of a fee.  These commitments consist principally of unused commercial and consumer credit lines.  Standby letters of credit generally are contingent upon the failure of the customer to perform according to the terms of an underlying contract with a third party.  The credit risks associated with commitments to extend credit and standby letters of credit are essentially the same as that involved with extending loans to customers and are subject to the Company’s normal credit policies.  Collateral may be obtained based on management’s assessment of the customer’s creditworthiness.  The fair value of the standby letters of credit is immaterial for disclosure.

    The contract amount of commitments and contingencies is as follows at December 31:

     (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Commitments to extend credit
    		 
    $
    704,904
    		  
    $
    750,178
    		 
    Standby letters of credit
    		  
    24,449
    		   
    24,168
    		 
         Total
    		 
    $
    729,353
    		  
    $
    774,346
    		 

    The Company has unused lines of credit of $65.0 million at December 31, 2013.  The Company has unused borrowing capacity of approximately $1.2 billion through collateralized transactions with the FHLB and $10.1 million through collateralized transactions with the Federal Reserve Bank.

    The Company is required to maintain a reserve balance, as established by the Federal Reserve Bank of New York.  The required average total reserve for the 14-day maintenance period of December 26, 2013 through January 8, 2014 was $52.8 million, none of which was required to be on deposit with the Federal Reserve Bank of New York as the entire balance was represented by cash on hand.

    The Company and its subsidiaries are subject in the normal course of business to various pending and threatened legal proceedings in which claims for monetary damages are asserted. As of December 31, 2013, management, after consultation with legal counsel, does not anticipate that the aggregate ultimate liability arising out of litigation pending or threatened against the Company or its subsidiaries will be material to the Company’s consolidated financial position. On at least a quarterly basis the Company assesses its liabilities and contingencies in connection with such legal proceedings. For those matters where it is probable that the Company will incur losses and the amounts of the losses can be reasonably estimated, the Company records an expense and corresponding liability in its consolidated financial statements. To the extent the pending or threatened litigation could result in exposure in excess of that liability, the amount of such excess is not currently estimable. Although not considered probable, the range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, is between $0 and $5million. Although the Company does not believe that the outcome of pending litigation will be material to the Company’s consolidated financial position, it cannot rule out the possibility that such outcomes will be material to the consolidated results of operations for a particular reporting period in the future.
     
    The Bank was named a defendant in an action commenced October 30, 2013 which is pending in the United States District Court for the Middle District of Pennsylvania.  The plaintiff alleges that the notices provided to her in connection with the repossession of her automobile failed to comply with certain requirements of Pennsylvania’s Uniform Commercial Code (UCC).  Plaintiff seeks to pursue the action as a class action on behalf of herself and other similarly situated plaintiffs who had their automobiles repossessed and seeks to recover statutory damages under the UCC. The Bank has filed a motion to dismiss the action on the basis of mootness and contests the allegation that the repossession notices were deficient. The Bank also maintains that the case should not proceed as a class action and will oppose class certification. At this early stage in the litigation it is difficult to estimate when the action will be resolved. As set forth in the preceding paragraph, all current litigation matters, including this action, are within a range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, and are included in the range of reasonably possible losses set forth above. 
    XML 76 R19.htm IDEA: XBRL DOCUMENT v2.4.0.8
    LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES
    		 12 Months Ended
    Dec. 31, 2013
    LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES [Abstract]  
    LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES
    NOTE J:  LIMITS ON DIVIDENDS AND OTHER REVENUE SOURCES

    The Company’s ability to pay dividends to its shareholders is largely dependent on the Bank’s ability to pay dividends to the Company.  In addition to state law requirements and the capital requirements discussed below, the circumstances under which the Bank may pay dividends are limited by federal statutes, regulations, and policies.  For example, as a national bank, the Bank must obtain the approval of the Office of the Comptroller of the Currency (“OCC”) for payments of dividends if the total of all dividends declared in any calendar year would exceed the total of the Bank’s net profits, as defined by applicable regulations, for that year, combined with its retained net profits for the preceding two years.  Furthermore, the Bank may not pay a dividend in an amount greater than its undivided profits then on hand after deducting its losses and bad debts, as defined by applicable regulations.  At December 31, 2013, the Bank had approximately $114 million in undivided profits legally available for the payment of dividends.

    In addition, the Federal Reserve Board and the OCC are authorized to determine under certain circumstances that the payment of dividends would be an unsafe or unsound practice and to prohibit payment of such dividends.  The Federal Reserve Board has indicated that banking organizations should generally pay dividends only out of current operating earnings.

    There are also statutory limits on the transfer of funds to the Company by its banking subsidiary, whether in the form of loans or other extensions of credit, investments or assets purchases.  Such transfer by the Bank to the Company generally is limited in amount to 10% of the Bank’s capital and surplus, or 20% in the aggregate.  Furthermore, such loans and extensions of credit are required to be collateralized in specific amounts.
    XML 77 R15.htm IDEA: XBRL DOCUMENT v2.4.0.8
    GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS
    		 12 Months Ended
    Dec. 31, 2013
    GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS [Abstract]  
    GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS
    NOTE F:  GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS

    The gross carrying amount and accumulated amortization for each type of identifiable intangible asset are as follows:

       
    December 31, 2013
    		  
    December 31, 2012
    		 
       
    Gross
    		    
    Net
    		  
    Gross
    		    
    Net
    		 
       
    Carrying
    		  
    Accumulated
    		  
    Carrying
    		  
    Carrying
    		  
    Accumulated
    		  
    Carrying
    		 
    (000's omitted)
    		 
    Amount
    		  
    Amortization
    		  
    Amount
    		  
    Amount
    		  
    Amortization
    		  
    Amount
    		 
    Amortizing intangible assets:
    		            
      Core deposit intangibles
    		 
    $
    40,722
    		  
    $ 
    (27,262
    )
    		 
    $
    13,460
    		  
    $
    38,185
    		  
    $ 
    (23,693
    )
    		 
    $
    14,492
    		 
      Other intangibles
    		  
    9,441
    		   
    (7,393
    )
    		  
    2,048
    		   
    9,432
    		   
    (6,493
    )
    		  
    2,939
    		 
     Total amortizing intangibles
    		 
    $
    50,163
    		  
    $ 
    (34,655
    )
    		 
    $
    15,508
    		  
    $
    47,617
    		  
    $ 
    (30,186
    )
    		 
    $
    17,431
    		 

    The estimated aggregate amortization expense for each of the five succeeding fiscal years ended December 31 is as follows:

    2014
    $4,160
    2015
    3,296
    2016
    2,515
    2017
    1,828
    2018
    1,359
    Thereafter
    2,350
    Total
    $15,508

    Shown below are the components of the Company’s goodwill at December 31, 2013 and 2012:

       
    Year Ended
    		    
    Year Ended
    		    
    Year Ended
    		 
    (000’s omitted)
    		 
    December 31, 2011
    		  
    Activity
    		  
    December 31, 2012
    		  
    Activity
    		  
    December 31, 2013
    		 
    Goodwill
    		 
    $
    349,874
    		  
    $
    24,653
    		  
    $
    374,527
    		  
    $
    5,288
    		  
    $
    379,815
    		 
    Accumulated impairment
    		  
    (4,824
    )
    		  
    0
    		   
    (4,824
    )
    		  
    0
    		   
    (4,824
    )
    Goodwill, net
    		 
    $
    345,050
    		  
    $
    24,653
    		  
    $
    369,703
    		  
    $
    5,288
    		  
    $
    374,991
    		 

    During the first quarter, the Company performed its annual internal valuation of goodwill and impairment analysis by comparing the fair value of each reporting unit to its carrying value.  Results of the valuations indicate there was no goodwill impairment.

    Mortgage Servicing Rights
    Under certain circumstances, the Company sells consumer residential mortgage loans in the secondary market and typically retains the right to service the loans sold.  Generally, the Company’s residential mortgage loans sold to third parties are sold on a non-recourse basis.  Upon sale, a mortgage servicing right (“MSR”) is established, which represents the then current fair value of future net cash flows expected to be realized for performing the servicing activities.  The Company stratifies these assets based on predominant risk characteristics, namely expected term of the underlying financial instruments, and uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights. MSRs are recorded in other assets at the lower of the initial capitalized amount, net of accumulated amortization or fair value.  Mortgage loans serviced for others are not included in the accompanying consolidated statements of condition.

    The following table summarizes the changes in carrying value of MSRs and the associated valuation allowance:

    (000’s omitted)
    		 
    2013
    		  
    2012
    		 
    Carrying value before valuation allowance at beginning of period
    		 
    $
    1,458
    		  
    $
    2,145
    		 
    Additions
    		  
    289
    		   
    0
    		 
    Amortization
    		  
    (529
    )
    		  
    (687
    )
    Carrying value before valuation allowance at end of period
    		  
    1,218
    		   
    1,458
    		 
    Valuation allowance balance at beginning of period
    		  
    (430
    )
    		  
    (397
    )
    Impairment charges
    		  
    (111
    )
    		  
    (279
    )
    Impairment recoveries
    		  
    541
    		   
    246
    		 
    Valuation allowance balance at end of period
    		  
    0
    		   
    (430
    )
    Net carrying value at end of period
    		 
    $
    1,218
    		  
    $
    1,028
    		 
    Fair value of MSRs at end of period
    		 
    $
    1,495
    		  
    $
    1,028
    		 
    Principal balance of loans sold during the year
    		 
    $
    25,179
    		  
    $
    3,554
    		 
    Principal balance of loans serviced for others
    		 
    $
    322,030
    		  
    $
    367,241
    		 
    Custodial escrow balances maintained in connection with loans serviced for others
    		 
    $
    4,519
    		  
    $
    5,011
    		 

    The following table summarizes the key economic assumptions used to estimate the value of the MSRs at December 31:

      
    2013
    		  
    2012
    		 
    Weighted-average contractual life (in years)
    		  
    19.2
    		   
    18.8
    		 
    Weighted-average constant prepayment rate (CPR)
    		  
    18.0
    %
    		  
    34.4
    %
    Weighted-average discount rate
    		  
    4.5
    %
    		  
    3.1
    %
    XML 78 R60.htm IDEA: XBRL DOCUMENT v2.4.0.8
    BORROWINGS (Details) (USD $)
    		 12 Months Ended 1 Months Ended 6 Months Ended 12 Months Ended
    Dec. 31, 2013
    Subsidiary
    Dec. 31, 2012
    Dec. 31, 2013
    Interest Rate Swap [Member]
    Designated as Hedging Instrument [Member]
    Dec. 31, 2011
    Interest Rate Swap [Member]
    Designated as Hedging Instrument [Member]
    Dec. 31, 2013
    Federal Home Loan Bank overnight advance [Member]
    Dec. 31, 2012
    Federal Home Loan Bank overnight advance [Member]
    Dec. 31, 2013
    Federal Home Loan Bank term advances [Member]
    Jun. 30, 2013
    Federal Home Loan Bank term advances [Member]
    Dec. 31, 2012
    Federal Home Loan Bank term advances [Member]
    Dec. 31, 2013
    Community Statutory Trust III [Member]
    Dec. 31, 2013
    Community Capital Trust IV [Member]
    Dec. 31, 2013
    Capital Lease Obligations [Member]
    Dec. 31, 2012
    Capital Lease Obligations [Member]
    Dec. 31, 2013
    Subordinated Debt Held By Unconsolidated Subsidiary Trust [Member]
    Dec. 31, 2012
    Subordinated Debt Held By Unconsolidated Subsidiary Trust [Member]
    Dec. 31, 2013
    January 2, 2014 [Member]
    Federal Home Loan Bank overnight advance [Member]
    Dec. 31, 2013
    February 1, 2015 [Member]
    Capital Lease Obligations [Member]
    Dec. 31, 2013
    July 31, 2031 [Member]
    Subordinated Debt Held By Unconsolidated Subsidiary Trust [Member]
    Dec. 31, 2013
    December 15, 2036 [Member]
    Subordinated Debt Held By Unconsolidated Subsidiary Trust [Member]
    Total outstanding borrowings [Abstract]                                      
    Carrying value $ 244,010,000 $ 830,134,000     $ 141,900,000 $ 0 $ 0   $ 728,034,000     $ 13,000 $ 27,000 $ 102,097,000 $ 102,073,000 $ 141,900,000 $ 13,000 $ 24,777,000 $ 77,320,000
    Subordinated debt held by unconsolidated subsidiary trust, discount 430,000 454,000                                  
    Debt retirement             226,400,000 501,600,000                      
    Early extinguishments costs             23,800,000 63,500,000                      
    Weighted-average interest rate on borrowings (in hundredths) 2.70% 3.46%                                  
    Borrowings by contractual maturity date [Abstract]                                      
    Carrying value 244,010,000 830,134,000     141,900,000 0 0   728,034,000     13,000 27,000 102,097,000 102,073,000 141,900,000 13,000 24,777,000 77,320,000
    Weighted Average Interest Rate (in hundredths) 1.22%                             0.40% 3.25% 3.82% 1.89%
    Number of wholly owned, unconsolidated subsidiary trusts 2                                    
    Percent ownership of unconsolidated subsidiary trusts (in hundredths) 100.00%                                    
    Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust [Abstract]                                      
    Issuance Date                   Jul. 31, 2001 Dec. 08, 2006                
    Par Amount                   24,500,000 75,000,000                
    Variable Interest Rate Basis                   3 month LIBOR 3 month LIBOR                
    Variable Interest Rate, Basis Spread (in hundredths)                   3.58% 1.65%                
    Effective Interest Rate (in hundredths)                   3.82% 1.89%                
    Maturity Date                   7/31/2031 12/15/2036                
    Current call price                   Par Par                
    Derivatives, Fair Value [Line Items]                                      
    Interest rate swap agreement interest rate (in hundredths)     6.43%                                
    Interest rate swap agreement term (in years)     5 years                                
    Additional interest expense recognized, interest rate swap agreement       $ 3,200,000                              
    XML 79 R13.htm IDEA: XBRL DOCUMENT v2.4.0.8
    LOANS
    		 12 Months Ended
    Dec. 31, 2013
    LOANS [Abstract]  
    LOANS
    NOTE D:  LOANS

    The segments of the Company’s loan portfolio are disaggregated into the following classes that allow management to monitor risk and performance:
    ·
    Consumer mortgages - consist primarily of fixed rate residential instruments, typically 15 – 30 years in contractual term, secured by first liens on real property.
    ·
    Business lending - is comprised of general purpose commercial and industrial loans including, but not limited to agricultural-related and dealer floor plans, as well as mortgages on commercial property.
    ·
    Consumer indirect - consists primarily of installment loans originated through selected dealerships and are secured by automobiles, marine and other recreational vehicles.
    ·
    Consumer direct - all other loans to consumers such as personal installment loans and lines of credit.
    ·
    Home equity products - are consumer purpose installment loans or lines of credit most often secured by a first or second lien position on residential real estate with terms of up to 30 years.
     
    The balance of these classes at December 31 are summarized as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Consumer mortgage
    		 
    $
    1,582,058
    		  
    $
    1,448,415
    		 
    Business lending
    		  
    1,260,364
    		   
    1,233,944
    		 
    Consumer indirect
    		  
    740,002
    		   
    647,518
    		 
    Consumer direct
    		  
    180,139
    		   
    171,474
    		 
    Home equity
    		  
    346,520
    		   
    364,225
    		 
    Gross loans, including net deferred origination costs
    		  
    4,109,083
    		   
    3,865,576
    		 
    Allowance for loan losses
    		  
    (44,319
    )
    		  
    (42,888
    )
    Loans, net of allowance for loan losses
    		 
    $
    4,064,764
    		  
    $
    3,822,688
    		 

    The Company had approximately $18.5 million and $16.5 million of net deferred loan origination costs included in gross loans as of December 31, 2013 and 2012, respectively.

    Certain directors and executive officers of the Company, as well as associates of such persons, are loan customers.  Loans to these individuals were made in the ordinary course of business under normal credit terms and do not have more than a normal risk of collection.  Following is a summary of the aggregate amount of such loans during 2013 and 2012.

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Balance at beginning of year
    		 
    $
    8,292
    		  
    $
    11,550
    		 
    New loans
    		  
    3,643
    		   
    2,259
    		 
    Payments
    		  
    (2,487
    )
    		  
    (5,517
    )
    Balance at end of year
    		 
    $
    9,448
    		  
    $
    8,292
    		 
     
    Acquired loans
    Acquired loans are recorded at fair value as of the date of purchase with no allowance for loan loss.  As discussed in Note B (Acquisitions), the company acquired loans of $1 million on December 13, 2013 in its Bank of America branch acquisition, $54 million on September 7, 2012 in its acquisition of First Niagara branches, $106 million on July 20, 2012 in its HSBC branch acquisition, and $462 million on April 8, 2011 in its acquisition of Wilber.  The outstanding principal balance and the related carrying amount of acquired loans included in the Consolidated Statement of Condition at December 31 are as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Credit impaired acquired loans:
    		    
       Outstanding principal balance
    		 
    $
    13,052
    		  
    $
    19,940
    		 
       Carrying amount
    		  
    7,090
    		   
    13,761
    		 
             
    Non-impaired acquired loans:
    		        
       Outstanding principal balance
    		  
    342,542
    		   
    449,739
    		 
       Carrying amount
    		  
    330,118
    		   
    433,594
    		 
             
    Total acquired loans:
    		        
       Outstanding principal balance
    		  
    355,594
    		   
    469,679
    		 
       Carrying amount
    		  
    337,208
    		   
    447,355
    		 

    The outstanding balance related to credit impaired acquired loans was $15.5 million and $22.4 million at December 31, 2013 and 2012, respectively.  The changes in the accretable discount related to the credit impaired acquired loans are as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Balance at beginning of year
    		 
    $
    1,770
    		  
    $
    2,610
    		 
    Accretion recognized
    		  
    (1,025
    )
    		  
    (1,418
    )
    Net reclassification to accretable from nonaccretable
    		  
    252
    		   
    578
    		 
    Balance at end of year
    		 
    $
    997
    		  
    $
    1,770
    		 

    Credit Quality
    Management monitors the credit quality of its loan portfolio on an ongoing basis.  Measurement of delinquency and past due status are based on the contractual terms of each loan.  Past due loans are reviewed on a monthly basis to identify loans for non-accrual status.  The following is an aged analysis of the Company’s past due loans by class as of December 31, 2013:

    Legacy Loans (excludes loans acquired after January 1, 2009)

    (000’s omitted)
    		 
    Past Due
    30 - 89
    days
    		  
    90+ Days Past
    Due and
    Still Accruing
    		  
    Nonaccrual
    		  
    Total
    Past Due
    		  
    Current
    		  
    Total Loans
    		 
    Consumer mortgage
    		 
    $
    16,589
    		  
    $
    1,253
    		  
    $
    11,097
    		  
    $
    28,939
    		  
    $
    1,473,320
    		  
    $
    1,502,259
    		 
    Business lending
    		  
    2,960
    		   
    164
    		   
    3,083
    		   
    6,207
    		   
    1,079,818
    		   
    1,086,025
    		 
    Consumer indirect
    		  
    11,647
    		   
    738
    		   
    14
    		   
    12,399
    		   
    723,878
    		   
    736,277
    		 
    Consumer direct
    		  
    1,858
    		   
    90
    		   
    4
    		   
    1,952
    		   
    169,452
    		   
    171,404
    		 
    Home equity
    		  
    2,635
    		   
    173
    		   
    1,867
    		   
    4,675
    		   
    271,235
    		   
    275,910
    		 
    Total
    		 
    $
    35,689
    		  
    $
    2,418
    		  
    $
    16,065
    		  
    $
    54,172
    		  
    $
    3,717,703
    		  
    $
    3,771,875
    		 

    Acquired Loans (includes loans acquired after January 1, 2009)

     
    (000’s omitted)
    		 
    Past Due
    30 - 89
    days
    		  
    90+ Days Past
    Due and
    Still Accruing
    		  
    Nonaccrual
    		  
    Total
    Past Due
    		  
    Acquired Impaired(1)
    		  
    Current
    		  
    Total Loans
    		 
    Consumer mortgage
    		 
    $
    1,857
    		  
    $
    85
    		  
    $
    1,463
    		  
    $
    3,405
    		  
    $
    0
    		  
    $
    76,394
    		  
    $
    79,799
    		 
    Business lending
    		  
    531
    		   
    0
    		   
    1,472
    		   
    2,003
    		   
    7,090
    		   
    165,246
    		   
    174,339
    		 
    Consumer indirect
    		  
    157
    		   
    17
    		   
    0
    		   
    174
    		   
    0
    		   
    3,551
    		   
    3,725
    		 
    Consumer direct
    		  
    385
    		   
    27
    		   
    0
    		   
    412
    		   
    0
    		   
    8,323
    		   
    8,735
    		 
    Home equity
    		  
    592
    		   
    8
    		   
    473
    		   
    1,073
    		   
    0
    		   
    69,537
    		   
    70,610
    		 
    Total
    		 
    $
    3,522
    		  
    $
    137
    		  
    $
    3,408
    		  
    $
    7,067
    		  
    $
    7,090
    		  
    $
    323,051
    		  
    $
    337,208
    		 
     
    (1) Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on acquired impaired loans.
    The following is an aged analysis of the Company’s past due loans by class as of December 31, 2012:

    Legacy Loans (excludes loans acquired after January 1, 2009)

    (000’s omitted)
    		 
    Past Due
    30 - 89
    days
    		  
    90+ Days Past
    Due and
    Still Accruing
    		  
    Nonaccrual
    		  
    Total
    Past Due
    		  
    Current
    		  
    Total Loans
    		 
    Consumer mortgage
    		 
    $
    16,334
    		  
    $
    1,553
    		  
    $
    8,866
    		  
    $
    26,753
    		  
    $
    1,318,534
    		  
    $
    1,345,287
    		 
    Business lending
    		  
    6,012
    		   
    167
    		   
    12,010
    		   
    18,189
    		   
    984,665
    		   
    1,002,854
    		 
    Consumer indirect
    		  
    9,743
    		   
    73
    		   
    0
    		   
    9,816
    		   
    627,541
    		   
    637,357
    		 
    Consumer direct
    		  
    1,725
    		   
    71
    		   
    8
    		   
    1,804
    		   
    154,462
    		   
    156,266
    		 
    Home equity
    		  
    4,124
    		   
    491
    		   
    1,044
    		   
    5,659
    		   
    270,798
    		   
    276,457
    		 
    Total
    		 
    $
    37,938
    		  
    $
    2,355
    		  
    $
    21,928
    		  
    $
    62,221
    		  
    $
    3,356,000
    		  
    $
    3,418,221
    		 

    Acquired Loans (includes loans acquired after January 1, 2009)

     
    (000’s omitted)
    		 
    Past Due
    30 - 89
    days
    		  
    90+ Days Past
    Due and
    Still Accruing
    		  
    Nonaccrual
    		  
    Total
    Past Due
    		  
    Acquired Impaired(1)
    		  
    Current
    		  
    Total Loans
    		 
    Consumer mortgage
    		 
    $
    1,726
    		  
    $
    265
    		  
    $
    2,420
    		  
    $
    4,411
    		  
    $
    0
    		  
    $
    98,717
    		  
    $
    103,128
    		 
    Business lending
    		  
    3,665
    		   
    80
    		   
    1,681
    		   
    5,426
    		   
    13,761
    		   
    211,903
    		   
    231,090
    		 
    Consumer indirect
    		  
    434
    		   
    0
    		   
    0
    		   
    434
    		   
    0
    		   
    9,727
    		   
    10,161
    		 
    Consumer direct
    		  
    470
    		   
    0
    		   
    0
    		   
    470
    		   
    0
    		   
    14,738
    		   
    15,208
    		 
    Home equity
    		  
    959
    		   
    48
    		   
    331
    		   
    1,338
    		   
    0
    		   
    86,430
    		   
    87,768
    		 
    Total
    		 
    $
    7,254
    		  
    $
    393
    		  
    $
    4,432
    		  
    $
    12,079
    		  
    $
    13,761
    		  
    $
    421,515
    		  
    $
    447,355
    		 
     
    (1) Acquired impaired loans were not classified as nonperforming assets as the loans are considered to be performing under ASC 310-30.  As a result interest income, through the accretion of the difference between the carrying amount of the loans and the expected cashflows, is being recognized on acquired impaired loans.

    The Company uses several credit quality indicators to assess credit risk in an ongoing manner.  The Company’s primary credit quality indicator for its business lending portfolio is an internal credit risk rating system that categorizes loans as “pass”, “special mention”, or “classified”.  Credit risk ratings are applied individually to those classes of loans that have significant or unique credit characteristics that benefit from a case-by-case evaluation.  In general, the following are the definitions of the Company’s credit quality indicators:
     
    Pass The condition of the borrower and the performance of the loans are satisfactory or better.
      
    Special mentionThe condition of the borrower has deteriorated although the loan performs as agreed.
      
    Classified
    		The condition of the borrower has significantly deteriorated and the performance of the loan could further deteriorate if deficiencies are not corrected.
      
    DoubtfulThe condition of the borrower has deteriorated to the point that collection of the balance is improbable based on current facts and conditions.
     
    The following table shows the amount of business lending loans by credit quality category:

       
    December 31, 2013
    		  
    December 31, 2012
    		 
    (000’s omitted)
    		 
    Legacy
    		  
    Acquired
    		  
    Total
    		  
    Legacy
    		  
    Acquired
    		  
    Total
    		 
    Pass
    		 
    $
    908,885
    		  
    $
    116,271
    		  
    $
    1,025,156
    		  
    $
    818,469
    		  
    $
    144,869
    		  
    $
    963,338
    		 
    Special mention
    		  
    93,600
    		   
    24,264
    		   
    117,864
    		   
    92,739
    		   
    32,328
    		   
    125,067
    		 
    Classified
    		  
    83,379
    		   
    26,714
    		   
    110,093
    		   
    90,035
    		   
    40,132
    		   
    130,167
    		 
    Doubtful
    		  
    161
    		   
    0
    		   
    161
    		   
    1,611
    		   
    0
    		   
    1,611
    		 
    Acquired impaired
    		  
    0
    		   
    7,090
    		   
    7,090
    		   
    0
    		   
    13,761
    		   
    13,761
    		 
    Total
    		 
    $
    1,086,025
    		  
    $
    174,339
    		  
    $
    1,260,364
    		  
    $
    1,002,854
    		  
    $
    231,090
    		  
    $
    1,233,944
    		 

    All other loans are underwritten and structured using standardized criteria and characteristics, primarily payment performance, and are normally risk rated and monitored collectively on a monthly basis.  These are typically loans to individuals in the consumer categories and are delineated as either performing or nonperforming.  Performing loans include current, 30 – 89 days past due and acquired impaired loans.  Nonperforming loans include 90+ days past due and still accruing and nonaccrual loans.
     
    The following tables detail the balances in all loan categories except for business lending at December 31, 2013:
     
    Legacy loans (excludes loans acquired after January 1, 2009)
     
    (000’s omitted)
    		 
    Consumer
    Mortgage
    		  
    Consumer Indirect
    		  
    Consumer Direct
    		  
    Home Equity
    		  
    Total
    		 
    Performing
    		 
    $
    1,489,909
    		  
    $
    735,525
    		  
    $
    171,310
    		  
    $
    273,870
    		  
    $
    2,670,614
    		 
    Nonperforming
    		  
    12,350
    		   
    752
    		   
    94
    		   
    2,040
    		   
    15,236
    		 
    Total
    		 
    $
    1,502,259
    		  
    $
    736,277
    		  
    $
    171,404
    		  
    $
    275,910
    		  
    $
    2,685,850
    		 

    Acquired loans (includes loans acquired after January 1, 2009)
     
    (000’s omitted)
    		 
    Consumer
    Mortgage
    		  
    Consumer Indirect
    		  
    Consumer Direct
    		  
    Home Equity
    		  
    Total
    		 
    Performing
    		 
    $
    78,251
    		  
    $
    3,708
    		  
    $
    8,708
    		  
    $
    70,129
    		  
    $
    160,796
    		 
    Nonperforming
    		  
    1,548
    		   
    17
    		   
    27
    		   
    481
    		   
    2,073
    		 
    Total
    		 
    $
    79,799
    		  
    $
    3,725
    		  
    $
    8,735
    		  
    $
    70,610
    		  
    $
    162,869
    		 

    The following table details the balances in all other loan categories at December 31, 2012:

    Legacy loans (excludes loans acquired after January 1, 2009)
     
    (000’s omitted)
    		 
    Consumer
    Mortgage
    		  
    Consumer Indirect
    		  
    Consumer Direct
    		  
    Home Equity
    		  
    Total
    		 
    Performing
    		 
    $
    1,334,868
    		  
    $
    637,284
    		  
    $
    156,187
    		  
    $
    274,922
    		  
    $
    2,403,261
    		 
    Nonperforming
    		  
    10,419
    		   
    73
    		   
    79
    		   
    1,535
    		   
    12,106
    		 
    Total
    		 
    $
    1,345,287
    		  
    $
    637,357
    		  
    $
    156,266
    		  
    $
    276,457
    		  
    $
    2,415,367
    		 

    Acquired loans (includes loans acquired after January 1, 2009
     
    (000’s omitted)
    		 
    Consumer
    Mortgage
    		  
    Consumer Indirect
    		  
    Consumer Direct
    		  
    Home Equity
    		  
    Total
    		 
    Performing
    		 
    $
    100,443
    		  
    $
    10,161
    		  
    $
    15,208
    		  
    $
    87,389
    		  
    $
    213,201
    		 
    Nonperforming
    		  
    2,685
    		   
    0
    		   
    0
    		   
    379
    		   
    3,064
    		 
    Total
    		 
    $
    103,128
    		  
    $
    10,161
    		  
    $
    15,208
    		  
    $
    87,768
    		  
    $
    216,265
    		 

    All loan classes are collectively evaluated for impairment except business lending, as described in Note A.  A summary of impaired loans, excluding purchased impaired, as of December 31, 2013 and 2012 are summarized as follows:

    (000’s omitted)
    		 
    2013
    		  
    2012
    		 
    Loans with reserve
    		 
    $
    945
    		  
    $
    1,611
    		 
    Loans without reserve
    		  
    600
    		   
    7,798
    		 
    Carrying balance
    		  
    1,545
    		   
    9,409
    		 
    Contractual balance
    		  
    1,852
    		   
    12,804
    		 
    Specifically allocated allowance
    		  
    50
    		   
    800
    		 
    Average impaired loans
    		  
    10,729
    		   
    19,787
    		 
    Interest income recognized
    		  
    18
    		   
    185
    		 

    In the course of working with borrowers, the Company may choose to restructure the contractual terms of certain loans.  In this scenario, the Company attempts to work-out an alternative payment schedule with the borrower in order to optimize collectability of the loan.  Any loans that are modified are reviewed by the Company to identify if a troubled debt restructuring (“TDR”) has occurred, which is when, for economic or legal reasons related to a borrower’s financial difficulties, the Company grants a concession to the borrower that it would not otherwise consider.  Terms may be modified to fit the ability of the borrower to repay in line with its current financial standing and the restructuring of the loan may include the transfer of assets from the borrower to satisfy the debt, a modification of loan terms, or a combination of the two.  With regard to determination of the amount of the allowance for loan losses, troubled debt restructured loans are considered to be impaired.  As a result, the determination of the amount of allowance for loan losses related to impaired loans for each portfolio segment within troubled debt restructurings is the same as detailed previously.

    During 2012, clarified guidance was issued by the OCC addressing the accounting for certain loans that have been discharged in Chapter 7 bankruptcy.  In accordance with this clarified guidance, loans that have been discharged in Chapter 7 bankruptcy, but not reaffirmed by the borrower, are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.  The Company’s lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.  The amount of loss incurred in 2012 and 2013 was immaterial.

    TDRs less than $0.5 million are collectively included in the general loan loss allocation and the qualitative review, if necessary.  Commercial loans greater than $0.5 million are individually evaluated for impairment, and if necessary, a specific allocation of the allowance for loan losses is provided.  At December 31, 2013 there were no impaired loans that were considered a TDR.

    Information regarding troubled debt restructurings as of December 31, 2013 and December 31, 2012 is as follows
     
     
    December 31, 2013
    		 
    December 31, 2012
    (000’s omitted)
    Nonaccrual
    Accruing
    Total
    		 
    Nonaccrual
    Accruing
    Total
     
    #
    Amount
    #
    Amount
    #
    Amount
    		 
    #
    Amount
    #
    Amount
    #
    Amount
    Consumer mortgage
    31
    $1,682
    48
    $2,171
    79
    $3,853
    		 
    3
    $160
    45
    $2,074
    48
    $2,234
    Business lending
    4
    162
    1
    47
    5
    209
    		 
    10
    3,046
    0
    0
    10
    3,046
    Consumer indirect
    0
    0
    98
    692
    98
    692
    		 
    0
    0
    106
    718
    106
    718
    Consumer direct
    0
    0
    46
    116
    46
    116
    		 
    0
    0
    19
    116
    19
    116
    Home equity
    12
    202
    20
    363
    32
    565
    		 
    5
    70
    19
    266
    24
    336
    Total
    47
    $2,046
    213
    $3,389
    260
    $5,435
    		 
    18
    $3,276
    189
    $3,174
    207
    $6,450

    The following table presents information related to loans modified in a TDR during the years ended December 31, 2013 and 2012.  Of the loans noted in the table below, all loans for the year ended December 31, 2012 and all but two loans for the year ended December 31, 2013, were modified due to a Chapter 7 bankruptcy as described previously.  The others were a business loan restructured via an extension of term and a consumer mortgage restructured via an extension of term and a rate concession.  The financial effects of these restructurings were immaterial.

     
    December 31, 2013
    		 
    December 31, 2012
    (000’s omitted)
    #
    Amount
    		 
    #
    Amount
    Consumer mortgage
    31
    $1,758
    		 
    23
    $1,176
    Business lending
    3
    183
    		 
    9
    2,709
    Consumer indirect
    36
    327
    		 
    47
    281
    Consumer direct
    22
    75
    		 
    13
    95
    Home equity
    14
    298
    		 
    12
    126
    Total
    106
    $2,641
    		 
    104
    $4,387

    Allowance for Loan Losses

    The allowance for loan losses is general in nature and is available to absorb losses from any loan type despite the analysis below.  The following presents by class the activity in the allowance for loan losses:

       
    Consumer
    		  
    Business
    		  
    Home
    		  
    Consumer
    		  
    Consumer
    		    
    Acquired
    		   
    (000’s omitted)
    		 
    Mortgage
    		  
    Lending
    		  
    Equity
    		  
    Indirect
    		  
    Direct
    		  
    Unallocated
    		  
    Impaired
    		  
    Total
    		 
    Balance at
    December 31, 2011
    		 
    $
    4,651
    		  
    $
    20,574
    		  
    $
    1,130
    		  
    $
    8,960
    		  
    $
    3,290
    		  
    $
    3,222
    		  
    $
    386
    		  
    $
    42,213
    		 
    Charge-offs
    		  
    (1,004
    )
    		  
    (5,654
    )
    		  
    (423
    )
    		  
    (5,407
    )
    		  
    (1,694
    )
    		  
    0
    		   
    0
    		   
    (14,182
    )
    Recoveries
    		  
    59
    		   
    1,295
    		   
    23
    		   
    3,551
    		   
    821
    		   
    0
    		   
    0
    		   
    5,749
    		 
    Provision
    		  
    3,364
    		   
    1,798
    		   
    721
    		   
    2,502
    		   
    886
    		   
    (556
    )
    		  
    393
    		   
    9,108
    		 
    Balance at
    December 31, 2012
    		  
    7,070
    		   
    18,013
    		   
    1,451
    		   
    9,606
    		   
    3,303
    		   
    2,666
    		   
    779
    		   
    42,888
    		 
    Charge-offs
    		  
    (1,012
    )
    		  
    (2,788
    )
    		  
    (650
    )
    		  
    (4,544
    )
    		  
    (1,954
    )
    		  
    0
    		   
    (883
    )
    		  
    (11,831
    )
    Recoveries
    		  
    36
    		   
    692
    		   
    20
    		   
    3,488
    		   
    1,034
    		   
    0
    		   
    0
    		   
    5,270
    		 
    Provision
    		  
    2,900
    		   
    1,590
    		   
    1,009
    		   
    1,698
    		   
    798
    		   
    (637
    )
    		  
    634
    		   
    7,992
    		 
    Balance at
    December 31, 2013
    		 
    $
    8,994
    		  
    $
    17,507
    		  
    $
    1,830
    		  
    $
    10,248
    		  
    $
    3,181
    		  
    $
    2,029
    		  
    $
    530
    		  
    $
    44,319
    		 
    XML 80 R14.htm IDEA: XBRL DOCUMENT v2.4.0.8
    PREMISES AND EQUIPMENT
    		 12 Months Ended
    Dec. 31, 2013
    PREMISES AND EQUIPMENT [Abstract]  
    PREMISES AND EQUIPMENT
    NOTE E:  PREMISES AND EQUIPMENT

    Premises and equipment consist of the following at December 31:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Land and land improvements
    		 
    $
    15,714
    		  
    $
    15,480
    		 
    Bank premises
    		  
    95,275
    		   
    90,899
    		 
    Equipment and construction in progress
    		  
    75,523
    		   
    73,404
    		 
      Premises and equipment, gross
    		  
    186,512
    		   
    179,783
    		 
    Accumulated depreciation
    		  
    (92,876
    )
    		  
    (89,845
    )
      Premises and equipment, net
    		 
    $
    93,636
    		  
    $
    89,938
    		 
    XML 81 R16.htm IDEA: XBRL DOCUMENT v2.4.0.8
    DEPOSITS
    		 12 Months Ended
    Dec. 31, 2013
    DEPOSITS [Abstract]  
    DEPOSITS
    NOTE G:  DEPOSITS

    Deposits consist of the following at December 31:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Noninterest checking
    		 
    $
    1,203,346
    		  
    $
    1,110,994
    		 
    Interest checking
    		  
    1,289,676
    		   
    1,151,522
    		 
    Savings
    		  
    1,010,196
    		   
    940,985
    		 
    Money market
    		  
    1,466,273
    		   
    1,409,123
    		 
    Time
    		  
    926,553
    		   
    1,015,415
    		 
      Total deposits
    		 
    $
    5,896,044
    		  
    $
    5,628,039
    		 

    At December 31, 2013 and 2012, time deposits in denominations of $100,000 and greater totaled $206.4 million and $244.9 million, respectively.  The approximate maturities of these time deposits at December 31, 2013 are as follows:

    (000's omitted)
    		 
    Amount
    		 
    2014
    		 
    $
    142,691
    		 
    2015
    		  
    20,938
    		 
    2016
    		  
    17,880
    		 
    2017
    		  
    14,347
    		 
    2018
    		  
    8,213
    		 
    Thereafter
    		  
    2,346
    		 
      Total
    		 
    $
    206,415
    		 
    XML 82 R64.htm IDEA: XBRL DOCUMENT v2.4.0.8
    BENEFIT PLANS, Benefits (Details) (USD $)
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Dec. 31, 2010
    Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]        
    Benefit obligation for defined benefit pension plan prior to plan revaluation $ 99,600,000 $ 111,500,000    
    Accumulated other comprehensive income (loss), negative postretirement medical plan amendment, arising during period, net of tax       3,500,000
    Amounts recognized in AOCI, net of tax [Abstract]        
    Total (20,640,000) 2,911,000 10,581,000  
    Prior service costs [Abstract]        
    Maximum percentage of net gain or loss over the greater of the projected benefit obligation or the market-related value of assets without requiring amortization (hundredths) 10.00%      
    Pension Benefits [Member]
    		        
    Amounts recognized in AOCI, net of tax [Abstract]        
    Prior service cost (46,000) 90,000    
    Net (gain) loss (20,513,000) 2,368,000    
    Total (20,559,000) 2,458,000    
    Costs that Will be Amortized from Accumulated Other Comprehensive Income (Loss) in net periodic (income) cost in next fiscal year [Abstract]        
    Prior service cost 5,000      
    Net loss (308,000)      
    Total (303,000)      
    Weighed average assumption used in calculating benefit obligations [Abstract]        
    Discount rate (in hundredths) 5.00% 3.40%    
    Expected return on plan assets (in hundredths) 7.00% 7.00%    
    Rate of compensation increase (in hundredths) 3.50% 3.50%    
    Net periodic benefit cost [Abstract]        
    Service cost 3,988,000 3,392,000 2,959,000  
    Interest cost 4,120,000 4,393,000 4,497,000  
    Expected return on plan assets (10,149,000) (9,196,000) (8,097,000)  
    Amortization of unrecognized net loss 4,028,000 3,687,000 2,362,000  
    Amortization of prior service cost 75,000 (147,000) (149,000)  
    Net periodic benefit cost 2,062,000 2,129,000 1,572,000  
    Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]        
    Discount rate (in hundredths) 3.40% 4.10% 4.40%  
    Expected return on plan assets (in hundredths) 7.00% 7.50% 7.50%  
    Rate of compensation increase (in hundredths) 3.50% 4.00% 4.00%  
    Post-retirement Benefits [Member]
    		        
    Amounts recognized in AOCI, net of tax [Abstract]        
    Prior service cost 109,000 503,000    
    Net (gain) loss (190,000) (51,000)    
    Total (81,000) 452,000    
    Costs that Will be Amortized from Accumulated Other Comprehensive Income (Loss) in net periodic (income) cost in next fiscal year [Abstract]        
    Prior service cost (179,000)      
    Net loss 1,000      
    Total (178,000)      
    Weighed average assumption used in calculating benefit obligations [Abstract]        
    Discount rate (in hundredths) 4.80% 3.20%    
    Net periodic benefit cost [Abstract]        
    Service cost 0 0 0  
    Interest cost 88,000 114,000 153,000  
    Expected return on plan assets 0 0 0  
    Amortization of unrecognized net loss 12,000 11,000 8,000  
    Amortization of prior service cost (179,000) (822,000) (1,057,000)  
    Net periodic benefit cost $ (79,000) $ (697,000) $ (896,000)  
    Weighted Average Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]        
    Discount rate (in hundredths) 3.20% 3.90% 4.50%  
    XML 83 R66.htm IDEA: XBRL DOCUMENT v2.4.0.8
    BENEFIT PLANS, Plan Assets (Details) (USD $)
    		 12 Months Ended 12 Months Ended 12 Months Ended 12 Months Ended 3 Months Ended 12 Months Ended 12 Months Ended 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2013
    Other Deferred Compensation Arrangement [Member]
    Dec. 31, 2012
    Other Deferred Compensation Arrangement [Member]
    Dec. 31, 2011
    Other Deferred Compensation Arrangement [Member]
    Dec. 31, 2013
    Employee Stock Ownership Plan 401K Plan [Member]
    Dec. 31, 2012
    Employee Stock Ownership Plan 401K Plan [Member]
    Dec. 31, 2011
    Employee Stock Ownership Plan 401K Plan [Member]
    Dec. 31, 2013
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    Money Market Accounts [Member]
    Dec. 31, 2012
    Money Market Accounts [Member]
    Dec. 31, 2013
    Money Market Accounts [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    Money Market Accounts [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    Money Market Accounts [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    Money Market Accounts [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    Money Market Accounts [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    Money Market Accounts [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    Equity Securities [Member]
    Dec. 31, 2012
    Equity Securities [Member]
    Dec. 31, 2013
    Equity Securities [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    Equity Securities [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    Equity Securities [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    Equity Securities [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    Equity Securities [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    Equity Securities [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    U.S Large-Cap [Member]
    Dec. 31, 2012
    U.S Large-Cap [Member]
    Dec. 31, 2013
    U.S Large-Cap [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    U.S Large-Cap [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    U.S Large-Cap [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    U.S Large-Cap [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    U.S Large-Cap [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    U.S Large-Cap [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    U.S Mid/Small Cap [Member]
    Dec. 31, 2012
    U.S Mid/Small Cap [Member]
    Dec. 31, 2013
    U.S Mid/Small Cap [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    U.S Mid/Small Cap [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    U.S Mid/Small Cap [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    U.S Mid/Small Cap [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    U.S Mid/Small Cap [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    U.S Mid/Small Cap [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    CBSI Stock [Member]
    Dec. 31, 2012
    CBSI Stock [Member]
    Dec. 31, 2013
    CBSI Stock [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    CBSI Stock [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    CBSI Stock [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    CBSI Stock [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    CBSI Stock [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    CBSI Stock [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    International [Member]
    Dec. 31, 2012
    International [Member]
    Dec. 31, 2013
    International [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    International [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    International [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    International [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    International [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    International [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    Commodities [Member]
    Dec. 31, 2012
    Commodities [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    Commodities [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    Commodities [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    Fixed Income [Member]
    Dec. 31, 2012
    Fixed Income [Member]
    Dec. 31, 2013
    Fixed Income [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    Fixed Income [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    Fixed Income [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    Fixed Income [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    Fixed Income [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    Fixed Income [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    Government Securities [Member]
    Dec. 31, 2012
    Government Securities [Member]
    Dec. 31, 2013
    Government Securities [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    Government Securities [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    Government Securities [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    Government Securities [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    Government Securities [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    Government Securities [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    Investment Grade Bonds [Member]
    Dec. 31, 2012
    Investment Grade Bonds [Member]
    Dec. 31, 2013
    Investment Grade Bonds [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    Investment Grade Bonds [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    Investment Grade Bonds [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    Investment Grade Bonds [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    Investment Grade Bonds [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    Investment Grade Bonds [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    Investment Bonds [Member]
    Dec. 31, 2013
    Investment Bonds [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    Investment Bonds [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    Investment Bonds [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    High Yield [Member]
    Dec. 31, 2012
    High Yield [Member]
    Dec. 31, 2013
    High Yield [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    High Yield [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    High Yield [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    High Yield [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    High Yield [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    High Yield [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    Alternative Investments [Member]
    Dec. 31, 2012
    Alternative Investments [Member]
    Dec. 31, 2013
    Alternative Investments [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2012
    Alternative Investments [Member]
    Quoted Prices in Active Markets For Identical Assets, Level 1 [Member]
    Dec. 31, 2013
    Alternative Investments [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2012
    Alternative Investments [Member]
    Significant Observable Inputs, Level 2 [Member]
    Dec. 31, 2013
    Alternative Investments [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2012
    Alternative Investments [Member]
    Significant Unobservable Inputs, Level 3 [Member]
    Dec. 31, 2013
    Director [Member]
    Deferred Compensation Plan [Member]
    Dec. 31, 2012
    Director [Member]
    Deferred Compensation Plan [Member]
    Dec. 31, 2011
    Director [Member]
    Deferred Compensation Plan [Member]
    Sep. 30, 2013
    Pension Benefits [Member]
    Dec. 31, 2013
    Pension Benefits [Member]
    Dec. 31, 2012
    Pension Benefits [Member]
    Dec. 31, 2011
    Pension Benefits [Member]
    Dec. 31, 2013
    Post-retirement Benefits [Member]
    Dec. 31, 2012
    Post-retirement Benefits [Member]
    Dec. 31, 2011
    Post-retirement Benefits [Member]
    Dec. 31, 2013
    Pentegra DB Plan [Member]
    Tupper Lake National Bank [Member]
    Dec. 31, 2012
    Pentegra DB Plan [Member]
    Tupper Lake National Bank [Member]
    Dec. 31, 2011
    Pentegra DB Plan [Member]
    Tupper Lake National Bank [Member]
    Jun. 30, 2012
    Pentegra DB Plan [Member]
    Tupper Lake National Bank [Member]
    Dec. 31, 2013
    Unfunded Supplementary Pension Plans [Member]
    Dec. 31, 2012
    Unfunded Supplementary Pension Plans [Member]
    Dec. 31, 2013
    Unfunded Stock Balance [Member]
    Nonemployee Directors [Member]
    Dec. 31, 2012
    Unfunded Stock Balance [Member]
    Nonemployee Directors [Member]
    Plan Assets [Abstract]                                                                                                                                                                                                                                                                
    Target allocation percentage of assets (in hundredths)                                             60.00%                                                                                       40.00%                                                                                                                          
    Maximum percentage of alternative investments authorized to be purchased (in hundredths) 15.00%                                                                                                                                                                                                                                                              
    Maximum percentage of portfolio invested in company stock (in hundredths) 10.00%                                                                                                                                                                                                                                                              
    Fair value of plan assets $ 173,081,000 [1] $ 143,661,000 [1]             $ 155,959,000 [1] $ 115,333,000 [1] $ 17,122,000 [1] $ 28,328,000 [1] $ 0 [1] $ 0 [1] $ 10,940,000 $ 20,387,000 $ 709,000 $ 410,000 $ 10,231,000 $ 19,977,000 $ 0 $ 0 $ 113,219,000 $ 87,507,000 $ 113,219,000 $ 87,507,000 $ 0 $ 0 $ 0 $ 0 $ 50,513,000 $ 40,547,000 $ 50,513,000 $ 40,547,000 $ 0 $ 0 $ 0 $ 0 $ 19,308,000 $ 10,311,000 $ 19,308,000 $ 10,311,000 $ 0 $ 0 $ 0 $ 0 $ 9,913,000 $ 11,486,000 $ 9,913,000 $ 11,486,000 $ 0 $ 0 $ 0 $ 0 $ 33,485,000 $ 22,428,000 $ 33,485,000 $ 22,428,000 $ 0 $ 0 $ 0 $ 0 $ 2,735,000 [2] $ 2,735,000 [2] $ 0 [2] $ 0 [2] $ 48,845,000 $ 35,685,000 $ 42,031,000 $ 27,416,000 $ 6,814,000 $ 8,269,000 $ 0 $ 0 $ 14,490,000 $ 13,652,000 $ 7,676,000 $ 5,383,000 $ 6,814,000 $ 8,269,000 $ 0 $ 0 $ 17,400,000 $ 10,517,000 $ 17,400,000 $ 10,517,000 $ 0 $ 0 $ 0 $ 0 $ 2,712,000 $ 2,712,000 $ 0 $ 0 $ 14,243,000 [3] $ 11,516,000 [3] $ 14,243,000 [3] $ 11,516,000 [3] $ 0 [3] $ 0 [3] $ 0 [3] $ 0 [3] $ 77,000 [4] $ 82,000 [4] $ 0 [4] $ 0 [4] $ 77,000 [4] $ 82,000 [4] $ 0 [4] $ 0 [4]         $ 173,416,000 $ 143,661,000 $ 126,309,000 $ 0 $ 0 $ 0       $ 2,800,000,000        
    Employer contributions                                                                                                                                                                                                                                   10,000,000 10,622,000 12,615,000   498,000 343,000                  
    Total dividends and interest receivable excluded from plan assets 335,000 352,000                                                                                                                                                                                                                                                            
    Projected benefit obligation                                                                                                                                                                                                                                     111,174,000 123,739,000 112,857,000 2,340,000 3,051,000 3,352,000       3,000,000,000 11,400,000 12,000,000 100,000 200,000
    Defined Benefit Plan, Minimum Percentage Plan Funded (in hundredths)                                                                                                                                                                                                                                                       80.00%        
    Multi-employer plan, contributions                                                                                                                                                                                                                                                 22,000 53,000 131,000          
    Assumed Health Care Cost Trend Rates [Abstract]                                                                                                                                                                                                                                                                
    Assumed health care cost trend rate for medical costs for participants younger than 65 (in hundredths) 7.50%                                                                                                                                                                                                                                                              
    Assumed health care cost trend rate for medical cost for participants older than 65 (in hundredths) 5.80%                                                                                                                                                                                                                                                              
    Assumed health care cost trend rate for prescription drugs (in hundredths) 6.25%                                                                                                                                                                                                                                                              
    Ultimate health care cost trend rate (in hundredths) 5.00%                                                                                                                                                                                                                                                              
    Year that rate reaches ultimate trend rate 2021                                                                                                                                                                                                                                                              
    Effect of One-Percentage Point Change in Assumed Health Care Cost Trend Rates [Abstract]                                                                                                                                                                                                                                                                
    Effect of one percentage point increase on service and interest cost components 200                                                                                                                                                                                                                                                              
    Effect of one percentage point increase on benefit obligation 5,000                                                                                                                                                                                                                                                              
    Effect of One percentage point decrease on service and interest cost components 200                                                                                                                                                                                                                                                              
    Effect of One percentage point decrease on benefit obligation 6,000                                                                                                                                                                                                                                                              
    401(k) Employee Stock Ownership Plan [Abstract]                                                                                                                                                                                                                                                                
    Contribution from eligible compensation, minimum (in hundredths)           1.00%                                                                                                                                                                                                                                                    
    Contribution from eligible compensation, maximum (in hundredths)           90.00%                                                                                                                                                                                                                                                    
    Percentage of first eligible compensation fully matched by employer (in hundredths)           3.00%                                                                                                                                                                                                                                                    
    Percentage of matching contribution in the form of common stock (in hundredths)           100.00%                                                                                                                                                                                                                                                    
    Percentage of the next eligible compensation matched at 50% by employer (in hundredths)           3.00%                                                                                                                                                                                                                                                    
    Percentage of matching contributions for the next eligible compensation in the form of company stock (in hundredths)           50.00%                                                                                                                                                                                                                                                    
    Interest credit contribution expense recognized for 401(k) plan           650,000 419,000 203,000                                                                                                                                                                                                                                                
    Nonqualified deferred compensation arrangements [Abstract]                                                                                                                                                                                                                                                                
    (Income)/expense recognized under plan     (52,000) 439,000 584,000 3,215,000 2,956,000 2,752,000                                                                                                                                                                                                             162,000 148,000 125,000                              
    Liability recorded for compensation plan     $ 4,238,000 $ 4,729,000                                                                                                                                                                                                                     $ 3,424,000 $ 3,117,000                                
    Deferred Compensation Arrangement with Individual, Shares credited (in shares)                                                                                                                                                                                                                             153,396 146,298                                
    [1] Excludes dividends and interest receivable totaling $335,000 and $352,000 at December 31, 2013 and 2012, respectively.
    [2] This category includes investments in exchange-traded funds reflecting the performance of an underlying commodity index.
    [3] This category is exchange-traded funds representing a diversified index of high yield corporate bonds.
    [4] This category is comprised of non-traditional investment classes including private equity funds and alternative exchange funds.
    XML 84 R63.htm IDEA: XBRL DOCUMENT v2.4.0.8
    BENEFIT PLANS (Details) (USD $)
    In Thousands, unless otherwise specified
    		 3 Months Ended 12 Months Ended
    Sep. 30, 2013
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Change in plan assets [Roll Forward]        
    Fair value of plan assets at end of year   $ 173,081 [1] $ 143,661 [1]  
    Amounts recognized in accumulated other comprehensive income (AOCI) [Abstract]        
    AOCI at year end   7,145 27,785 24,874
    Pension Benefits [Member]
    		        
    Change in benefit obligation [Roll Forward]        
    Benefit obligation at the beginning of year   123,739 112,857  
    Service cost   3,988 3,392 2,959
    Interest cost   4,120 4,393 4,497
    Participant contributions     0  
    Deferred actuarial loss (gain)   (14,610) 9,352  
    Benefits paid   (6,063) (6,255)  
    Benefit obligation at end of year   111,174 123,739 112,857
    Change in plan assets [Roll Forward]        
    Fair value of plan assets at beginning of year   143,661 126,309  
    Actual return of plan assets   25,196 10,992  
    Participant contributions     0  
    Employer contributions 10,000 10,622 12,615  
    Benefits paid   (6,063) (6,255)  
    Fair value of plan assets at end of year   173,416 143,661 126,309
    Defined Benefit Plan, Funded Status of Plan [Abstract]        
    Over/(Under) funded status at year end   62,242 19,922  
    Amounts recognized in the consolidated balance sheet [Abstract]        
    Other assets   73,790 32,135  
    Other liabilities   (11,548) (12,213)  
    Amounts recognized in accumulated other comprehensive income (AOCI) [Abstract]        
    Net loss (gain)   12,905 47,321  
    Net prior service cost (credit)   797 141  
    Pre-tax AOCI   13,702 47,462  
    Taxes   (5,095) (18,296)  
    AOCI at year end   8,607 29,166  
    Post-retirement Benefits [Member]
    		        
    Change in benefit obligation [Roll Forward]        
    Benefit obligation at the beginning of year   3,051 3,352  
    Service cost   0 0 0
    Interest cost   88 114 153
    Participant contributions   608 502  
    Deferred actuarial loss (gain)   (301) (72)  
    Benefits paid   (1,106) (845)  
    Benefit obligation at end of year   2,340 3,051 3,352
    Change in plan assets [Roll Forward]        
    Fair value of plan assets at beginning of year   0 0  
    Actual return of plan assets   0 0  
    Participant contributions   608 502  
    Employer contributions   498 343  
    Benefits paid   (1,106) (845)  
    Fair value of plan assets at end of year   0 0 0
    Defined Benefit Plan, Funded Status of Plan [Abstract]        
    Over/(Under) funded status at year end   (2,340) (3,051)  
    Amounts recognized in the consolidated balance sheet [Abstract]        
    Other assets   0 0  
    Other liabilities   (2,340) (3,051)  
    Amounts recognized in accumulated other comprehensive income (AOCI) [Abstract]        
    Net loss (gain)   (25) 288  
    Net prior service cost (credit)   (2,338) (2,517)  
    Pre-tax AOCI   (2,363) (2,229)  
    Taxes   901 848  
    AOCI at year end   (1,462) (1,381)  
    Unfunded Supplementary Pension Plans [Member]
    		        
    Change in benefit obligation [Roll Forward]        
    Benefit obligation at end of year   11,400 12,000  
    Unfunded Stock Balance [Member] | Nonemployee Directors [Member]
    		        
    Change in benefit obligation [Roll Forward]        
    Benefit obligation at end of year   $ 100 $ 200  
    [1] Excludes dividends and interest receivable totaling $335,000 and $352,000 at December 31, 2013 and 2012, respectively.
    XML 85 R34.htm IDEA: XBRL DOCUMENT v2.4.0.8
    PREMISES AND EQUIPMENT (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    PREMISES AND EQUIPMENT [Abstract]  
    Premises and equipment
    Premises and equipment consist of the following at December 31:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Land and land improvements
    		 
    $
    15,714
    		  
    $
    15,480
    		 
    Bank premises
    		  
    95,275
    		   
    90,899
    		 
    Equipment and construction in progress
    		  
    75,523
    		   
    73,404
    		 
      Premises and equipment, gross
    		  
    186,512
    		   
    179,783
    		 
    Accumulated depreciation
    		  
    (92,876
    )
    		  
    (89,845
    )
      Premises and equipment, net
    		 
    $
    93,636
    		  
    $
    89,938
    		 
    XML 86 R51.htm IDEA: XBRL DOCUMENT v2.4.0.8
    INVESTMENT SECURITIES (Details) (USD $)
    		 6 Months Ended 12 Months Ended
    Jun. 30, 2013
    Dec. 31, 2013
    Position
    Dec. 31, 2012
    Position
    Dec. 31, 2011
    Held-to-Maturity Portfolio [Abstract]        
    Amortized Cost   $ 0 $ 637,894,000  
    Gross Unrealized Gains   0 66,063,000  
    Gross Unrealized Losses   0 0  
    Fair Value   0 703,957,000  
    Available-for-Sale Portfolio [Abstract]        
    Amortized Cost   2,217,165,000 1,989,938,000  
    Gross Unrealized Gains   27,104,000 144,037,000  
    Gross Unrealized Losses   58,106,000 12,581,000  
    Fair value   2,186,163,000 2,121,394,000  
    Other Equity Securities [Abstract]        
    Amortized Cost   32,562,000 59,239,000  
    Estimated Fair Value   32,562,000 59,239,000  
    Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]        
    Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions   390 32  
    Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions   17 6  
    Total available-for-sale securities in unrealized loss positions, number of positions   407 38  
    Available-for-Sale Securities, in Unrealized Loss Position, Fair value [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Fair Value   1,451,284,000 29,188,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Fair Value   16,397,000 50,799,000  
    Available-for-sale Securities, Unrealized Loss Position, Fair Value   1,467,681,000 79,987,000  
    Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Gross unrealized losses   56,464,000 158,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Gross unrealized losses   1,642,000 12,423,000  
    Available-for-sale Securities, Unrealized Loss Position, Gross unrealized losses   58,106,000 12,581,000  
    Available-for-Sale Securities, Debt Maturities, Amortized Cost [Abstract]        
    Available-for-sale securities, Amortized Cost, Due in one year or less   40,802,000    
    Available-for-sale securities, Amortized Cost, Due in one to five years   177,826,000    
    Available-for-sale securities, Amortized Cost, Due in five through ten years   1,452,472,000    
    Available-for-sale securities, Amortized Cost, Due after ten years   273,605,000    
    Available-for-sale Securities, Amortized Cost, with a single maturity date, Subtotal   1,944,705,000    
    Available-for-sale government agency mortgage-backed securities, amortized cost, without a single maturity date   250,431,000    
    Available-for-sale government agency collateralized mortgage obligations, amortized cost, without a single maturity date   21,779,000    
    Available-for-sale securities, Amortized Cost   2,216,915,000    
    Available-for-Sale Securities, Debt Maturities, Fair value [Abstract]        
    Available-for-sale securities, Fair value, Due in one year or less   41,307,000    
    Available-for-sale securities, Fair value, Due in one to five years   184,053,000    
    Available-for-sale securities, Fair value, Due in five through ten years   1,414,410,000    
    Available-for-sale securities, Fair value, Due after ten years   268,946,000    
    Available-for-sale Securities, Fair Value, Subtotal   1,908,716,000    
    Available-for-sale government agency mortgage-backed securities, fair value, without single maturity date   254,978,000    
    Available-for-sale government agency collateralized mortgage obligations, fair value, without single maturity date   22,048,000    
    Available-for-sale securities, Fair value   2,185,742,000    
    Pooled trust preferred, class A-1 securities, realized loss   15,500,000    
    U.S. Treasury securities held-to-maturity sales, book value   417,600,000    
    Held-to-maturity, realized gains   32,400,000    
    Held-to-maturity transferred to available-for-sale, book value   198,900,000    
    Held-to-maturity transferred to available-for-sale, unrealized losses   1,800,000    
    U.S. Treasury and agency securities sold due to balance sheet restructuring 648,700,000      
    Gains on investment securities sold due to balance sheet restructuring 63,800,000      
    Cash flow information on investment securities [Abstract]        
    Gross gains on sales of investment securities   96,258,000 350,000 349,000
    Gross losses on sales of investment securities   15,490,000 59,000 319,000
    Proceeds from the maturities of mortgage backed securities and CMO's   83,232,000 109,843,000 97,224,000
    Purchases of mortgage backed securities and CMO's   51,194,000 26,292,000 253,378,000
    Investment securities pledged to collateralize certain deposits and borrowings   978,000,000 1,176,000,000  
    U.S. Treasury and Agency Securities [Member]
    		        
    Held-to-Maturity Portfolio [Abstract]        
    Amortized Cost   0 548,634,000  
    Gross Unrealized Gains   0 59,081,000  
    Gross Unrealized Losses   0 0  
    Fair Value   0 607,715,000  
    Available-for-Sale Portfolio [Abstract]        
    Amortized Cost   1,252,332,000 988,217,000  
    Gross Unrealized Gains   1,119,000 91,040,000  
    Gross Unrealized Losses   41,304,000 0  
    Fair value   1,212,147,000 1,079,257,000  
    Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]        
    Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions   43    
    Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions   0    
    Total available-for-sale securities in unrealized loss positions, number of positions   43    
    Available-for-Sale Securities, in Unrealized Loss Position, Fair value [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Fair Value   1,181,214,000    
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Fair Value   0    
    Available-for-sale Securities, Unrealized Loss Position, Fair Value   1,181,214,000    
    Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Gross unrealized losses   41,304,000    
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Gross unrealized losses   0    
    Available-for-sale Securities, Unrealized Loss Position, Gross unrealized losses   41,304,000    
    Obligations of State and Political Subdivisions [Member]
    		        
    Held-to-Maturity Portfolio [Abstract]        
    Amortized Cost   0 65,742,000  
    Gross Unrealized Gains   0 5,850,000  
    Gross Unrealized Losses   0 0  
    Fair Value   0 71,592,000  
    Available-for-Sale Portfolio [Abstract]        
    Amortized Cost   665,441,000 629,883,000  
    Gross Unrealized Gains   15,919,000 33,070,000  
    Gross Unrealized Losses   12,378,000 61,000  
    Fair value   668,982,000 662,892,000  
    Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]        
    Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions   302 19  
    Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions   9 0  
    Total available-for-sale securities in unrealized loss positions, number of positions   311 19  
    Available-for-Sale Securities, in Unrealized Loss Position, Fair value [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Fair Value   195,526,000 11,503,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Fair Value   4,974,000 0  
    Available-for-sale Securities, Unrealized Loss Position, Fair Value   200,500,000 11,503,000  
    Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Gross unrealized losses   11,774,000 61,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Gross unrealized losses   604,000 0  
    Available-for-sale Securities, Unrealized Loss Position, Gross unrealized losses   12,378,000 61,000  
    Government Agency Mortgage-Backed Securities [Member]
    		        
    Held-to-Maturity Portfolio [Abstract]        
    Amortized Cost   0 20,578,000  
    Gross Unrealized Gains   0 1,079,000  
    Gross Unrealized Losses   0 0  
    Fair Value   0 21,657,000  
    Available-for-Sale Portfolio [Abstract]        
    Amortized Cost   250,431,000 253,013,000  
    Gross Unrealized Gains   8,660,000 16,989,000  
    Gross Unrealized Losses   4,113,000 51,000  
    Fair value   254,978,000 269,951,000  
    Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]        
    Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions   43 8  
    Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions   6 0  
    Total available-for-sale securities in unrealized loss positions, number of positions   49 8  
    Available-for-Sale Securities, in Unrealized Loss Position, Fair value [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Fair Value   68,917,000 14,354,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Fair Value   8,713,000 0  
    Available-for-sale Securities, Unrealized Loss Position, Fair Value   77,630,000 14,354,000  
    Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Gross unrealized losses   3,262,000 51,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Gross unrealized losses   851,000 0  
    Available-for-sale Securities, Unrealized Loss Position, Gross unrealized losses   4,113,000 51,000  
    Government Agency Collateralized Mortgage Obligations [Member]
    		        
    Available-for-Sale Portfolio [Abstract]        
    Amortized Cost   21,779,000 32,359,000  
    Gross Unrealized Gains   362,000 1,579,000  
    Gross Unrealized Losses   93,000 3,000  
    Fair value   22,048,000 33,935,000  
    Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]        
    Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions   1 4  
    Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions   1 2  
    Total available-for-sale securities in unrealized loss positions, number of positions   2 6  
    Available-for-Sale Securities, in Unrealized Loss Position, Fair value [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Fair Value   2,601,000 426,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Fair Value   7,000 1,041,000  
    Available-for-sale Securities, Unrealized Loss Position, Fair Value   2,608,000 1,467,000  
    Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Gross unrealized losses   93,000 2,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Gross unrealized losses   0 1,000  
    Available-for-sale Securities, Unrealized Loss Position, Gross unrealized losses   93,000 3,000  
    Pooled Trust Preferred Securities [Member]
    		        
    Available-for-Sale Portfolio [Abstract]        
    Amortized Cost   0 61,979,000  
    Gross Unrealized Gains   0 0  
    Gross Unrealized Losses   0 12,379,000  
    Fair value   0 49,600,000  
    Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]        
    Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions     0  
    Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions     3  
    Total available-for-sale securities in unrealized loss positions, number of positions     3  
    Available-for-Sale Securities, in Unrealized Loss Position, Fair value [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Fair Value     0  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Fair Value     49,600,000  
    Available-for-sale Securities, Unrealized Loss Position, Fair Value     49,600,000  
    Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Gross unrealized losses     0  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Gross unrealized losses     12,379,000  
    Available-for-sale Securities, Unrealized Loss Position, Gross unrealized losses     12,379,000  
    Corporate Debt Securities [Member]
    		        
    Held-to-Maturity Portfolio [Abstract]        
    Amortized Cost   0 2,924,000  
    Gross Unrealized Gains   0 53,000  
    Gross Unrealized Losses   0 0  
    Fair Value   0 2,977,000  
    Available-for-Sale Portfolio [Abstract]        
    Amortized Cost   26,932,000 24,136,000  
    Gross Unrealized Gains   873,000 1,265,000  
    Gross Unrealized Losses   218,000 44,000  
    Fair value   27,587,000 25,357,000  
    Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]        
    Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions   1 1  
    Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions   1 0  
    Total available-for-sale securities in unrealized loss positions, number of positions   2 1  
    Available-for-Sale Securities, in Unrealized Loss Position, Fair value [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Fair Value   3,026,000 2,905,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Fair Value   2,703,000 0  
    Available-for-sale Securities, Unrealized Loss Position, Fair Value   5,729,000 2,905,000  
    Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Gross unrealized losses   31,000 44,000  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Gross unrealized losses   187,000 0  
    Available-for-sale Securities, Unrealized Loss Position, Gross unrealized losses   218,000 44,000  
    Marketable Equity Security [Member]
    		        
    Available-for-Sale Portfolio [Abstract]        
    Amortized Cost   250,000 351,000  
    Gross Unrealized Gains   171,000 94,000  
    Gross Unrealized Losses   0 43,000  
    Fair value   421,000 402,000  
    Available-for-Sale Securities in Unrealized Loss Positions, Number of Positions [Abstract]        
    Available For Sale Securities In Unrealized Loss Positions Less Than 12 Months Qualitative Disclosure Number Of Positions     0  
    Available-for-sale securities in unrealized loss positions for 12 Months or Longer, number of positions     1  
    Total available-for-sale securities in unrealized loss positions, number of positions     1  
    Available-for-Sale Securities, in Unrealized Loss Position, Fair value [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Fair Value     0  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Fair Value     158,000  
    Available-for-sale Securities, Unrealized Loss Position, Fair Value     158,000  
    Available-for-Sale Securities, in Unrealized Loss Position, Gross Unrealized Losses [Abstract]        
    Available-for-sale Securities, Unrealized Loss Position, Less than 12 Months, Gross unrealized losses     0  
    Available-for-sale Securities, Unrealized Loss Position, 12 Months or Longer, Gross unrealized losses     43,000  
    Available-for-sale Securities, Unrealized Loss Position, Gross unrealized losses     43,000  
    Federal Home Loan Bank Common Stock [Member]
    		        
    Other Equity Securities [Abstract]        
    Amortized Cost   12,053,000 38,111,000  
    Estimated Fair Value   12,053,000 38,111,000  
    Federal Reserve Bank Common Stock [Member]
    		        
    Other Equity Securities [Abstract]        
    Amortized Cost   16,050,000 16,050,000  
    Estimated Fair Value   16,050,000 16,050,000  
    Other Securities [Member]
    		        
    Held-to-Maturity Portfolio [Abstract]        
    Amortized Cost   0 16,000  
    Gross Unrealized Gains   0 0  
    Gross Unrealized Losses   0 0  
    Fair Value   0 16,000  
    Other Equity Securities [Member]
    		        
    Other Equity Securities [Abstract]        
    Amortized Cost   4,459,000 5,078,000  
    Estimated Fair Value   $ 4,459,000 $ 5,078,000  
    XML 87 R21.htm IDEA: XBRL DOCUMENT v2.4.0.8
    STOCK-BASED COMPENSATION PLANS
    		 12 Months Ended
    Dec. 31, 2013
    STOCK-BASED COMPENSATION PLANS [Abstract]  
    STOCK-BASED COMPENSATION PLANS
    NOTE L:  STOCK-BASED COMPENSATION PLANS

    The Company has a long-term incentive program for directors, officers and employees.  Under this program, the Company initially authorized 4,000,000 shares of Company common stock for the grant of incentive stock options, nonqualified stock options, restricted stock awards, and retroactive stock appreciation rights.  The long-term incentive program was amended effective May 25, 2011 to authorize an additional 900,000 shares of Company common stock for the grant of incentive stock options, nonqualified stock options, restricted stock awards, and retroactive stock appreciation rights.  As of December 31, 2013, the Company has authorization to grant up to 1,008,234 additional shares of Company common stock for these instruments.  The nonqualified (offset) stock options in its Director’s Stock Balance Plan vest and become exercisable immediately and expire one year after the date the director retires or two years in the event of death.  The remaining options have a ten-year term, and vest and become exercisable on a grant-by-grant basis, ranging from immediate vesting to ratably over a five-year period.
     
    Activity in this long-term incentive program is as follows:
     
       
    Stock Options
    		 
        
    Weighted-average
    		 
        
    Exercise Price of
    		 
       
    Outstanding
    		  
    Shares
    		 
    Outstanding at December 31, 2011
    		  
    2,947,215
    		  
    $
    21.43
    		 
    Granted
    		  
    356,765
    		   
    28.78
    		 
    Exercised
    		  
    (526,141
    )
    		  
    18.91
    		 
    Forfeited
    		  
    (17,116
    )
    		  
    21.47
    		 
    Outstanding at December 31, 2012
    		  
    2,760,723
    		   
    22.86
    		 
    Granted
    		  
    369,589
    		   
    29.79
    		 
    Exercised
    		  
    (840,556
    )
    		  
    22.70
    		 
    Forfeited
    		  
    (14,865
    )
    		  
    24.45
    		 
    Outstanding at December 31, 2013
    		  
    2,274,891
    		   
    24.03
    		 
    Exercisable at December 31, 2013
    		  
    1,478,489
    		  
    $
    22.40
    		 
     
    The following table summarizes the information about stock options outstanding under the Company’s stock option plan at December 31, 2013:
     
      
    Options outstanding
    		  
    Options exercisable
    		 
    Range of Exercise Price
    		  
    Shares
    		  
    Weighted
    -average
    Exercise
    Price
    		  
    Weighted-
    average
    Remaining
    Life (years)
    		  
    Shares
    		  
    Weighted
    -average
    Exercise
    Price
    		 
     
    $0.00 – $18.00
    		   
    176,801
    		  
    $
    17.59
    		   
    5.14
    		   
    176,801
    		  
    $
    17.59
    		 
     
    $18.001 – $23.00
    		   
    742,163
    		   
    19.59
    		   
    4.74
    		   
    588,118
    		   
    19.75
    		 
     
    $23.001 – $28.00
    		   
    667,072
    		   
    25.22
    		   
    4.14
    		   
    546,370
    		   
    24.75
    		 
     
    $28.001 – $29.00
    		   
    327,464
    		   
    28.78
    		   
    8.22
    		   
    107,915
    		   
    28.78
    		 
     
    $29.001 – $30.00
    		   
    361,391
    		   
    29.79
    		   
    9.21
    		   
    59,285
    		   
    29.79
    		 
    TOTAL
    		   
    2,274,891
    		  
    $
    24.03
    		   
    5.81
    		   
    1,478,489
    		  
    $
    22.40
    		 

    The weighted-average remaining contractual term of outstanding and exercisable stock options at December 31, 2013 is 5.8 years and 4.7 years, respectively.  The aggregate intrinsic value of outstanding and exercisable stock options at December 31, 2013 is $35.6 million and $25.5 million, respectively.

    The Company recognized stock-based compensation expense related to incentive and non-qualified stock options of $2.0 million, $1.8 million and $1.8 million for the years ended December 31, 2013, 2012 and 2011, respectively.  A related income tax benefit was recognized of $1.1 million, $0.8 million and $0.8 million for the 2013, 2012 and 2011 years, respectively.  Compensation expense related to restricted stock vesting recognized in the income statement for 2013, 2012 and 2011 was approximately $2.0 million, $1.8 million and $2.0 million, respectively.

    Management estimated the fair value of options granted using the Black-Scholes option-pricing model.  This model was originally developed to estimate the fair value of exchange-traded equity options, which (unlike employee stock options) have no vesting period or transferability restrictions.  As a result, the Black-Scholes model is not necessarily a precise indicator of the value of an option, but it is commonly used for this purpose.  The Black-Scholes model requires several assumptions, which management developed based on historical trends and current market observations.

      
    2013
    		  
    2012
    		  
    2011
    		 
    Weighted-average Fair Value of Options Granted
    		 
    $
    6.24
    		  
    $
    6.40
    		  
    $
    6.69
    		 
    Assumptions:
    		            
         Weighted-average expected life (in years)
    		  
    7.23
    		   
    7.40
    		   
    7.72
    		 
         Future dividend yield
    		  
    3.90
    %
    		  
    3.90
    %
    		  
    3.90
    %
         Share price volatility
    		  
    31.21
    %
    		  
    31.79
    %
    		  
    32.12
    %
         Weighted-average risk-free interest rate
    		  
    1.91
    %
    		  
    2.34
    %
    		  
    3.34
    %

    Unrecognized stock-based compensation expense related to non-vested stock options totaled $3.5 million at December 31, 2013, which will be recognized as expense over the next five years.  The weighted-average period over which this unrecognized expense would be recognized is 2.9 years.  The total fair value of stock options vested during 2013, 2012, and 2011 were $2.0 million, $1.7 million and $1.8 million, respectively.

    During the 12 months ended December 31, 2013 and 2012, proceeds from stock option exercises totaled $16.0 million and $9.6 million, respectively, and the related tax benefits from exercise were approximately $1.6 million and $1.1 million, respectively.   During the twelve months ended December 31, 2013 and 2012, 680,705 and 479,353 shares, respectively, were issued in connection with stock option exercises.  The total intrinsic value of options exercised during 2013, 2012 and 2011 were $7.9 million, $4.9 million and $2.3 million, respectively.
     
    A summary of the status of the Company’s unvested restricted stock awards as of December 31, 2013, and changes during the twelve months ended December 31, 2013 and 2012, is presented below:

       
    Restricted
    Shares
    		  
    Weighted-average
    grant date fair value
    		 
    Unvested at December 31, 2011
    		  
    269,641
    		  
    $
    20.12
    		 
    Awards
    		  
    64,705
    		   
    28.77
    		 
    Forfeitures
    		  
    (2,743
    )
    		  
    23.19
    		 
    Vestings
    		  
    (139,520
    )
    		  
    18.76
    		 
    Unvested at December 31, 2012
    		  
    192,083
    		   
    23.98
    		 
    Awards
    		  
    142,353
    		   
    22.13
    		 
    Forfeitures
    		  
    (2,896
    )
    		  
    25.34
    		 
    Vestings
    		  
    (70,575
    )
    		  
    22.28
    		 
    Unvested at December 31, 2013
    		  
    260,965
    		  
    $
    23.42
    		 
    XML 88 R26.htm IDEA: XBRL DOCUMENT v2.4.0.8
    PARENT COMPANY STATEMENTS
    		 12 Months Ended
    Dec. 31, 2013
    PARENT COMPANY STATEMENTS [Abstract]  
    PARENT COMPANY STATEMENTS
    NOTE Q:  PARENT COMPANY STATEMENTS

    The condensed balance sheets of the parent company at December 31 are as follows:

    (000's omitted) 
    		 
    2013
    		  
    2012
    		 
    Assets:
    		    
      Cash and cash equivalents
    		 
    $
    83,783
    		  
    $
    43,800
    		 
      Investment securities
    		  
    3,601
    		   
    3,587
    		 
      Investment in and advances to subsidiaries
    		  
    895,211
    		   
    961,718
    		 
      Other assets
    		  
    8,847
    		   
    8,613
    		 
         Total assets
    		 
    $
    991,442
    		  
    $
    1,017,718
    		 
             
    Liabilities and shareholders' equity:
    		        
      Accrued interest and other liabilities
    		 
    $
    13,533
    		  
    $
    12,867
    		 
      Borrowings
    		  
    102,097
    		   
    102,073
    		 
      Shareholders' equity
    		  
    875,812
    		   
    902,778
    		 
         Total liabilities and shareholders' equity
    		 
    $
    991,442
    		  
    $
    1,017,718
    		 

    The condensed statements of income of the parent company for the years ended December 31 is as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Revenues:
    		      
      Dividends from subsidiaries
    		 
    $
    66,000
    		  
    $
    0
    		  
    $
    52,251
    		 
      Interest and dividends on investments
    		  
    91
    		   
    98
    		   
    87
    		 
      Other income
    		  
    9
    		   
    198
    		   
    0
    		 
            Total revenues
    		  
    66,100
    		   
    296
    		   
    52,338
    		 
    Expenses:
    		            
      Interest on borrowings
    		  
    2,520
    		   
    2,716
    		   
    5,815
    		 
      Other expenses
    		  
    61
    		   
    155
    		   
    273
    		 
            Total expenses
    		  
    2,581
    		   
    2,871
    		   
    6,088
    		 
                 
    (Loss) Income before tax benefit and equity in undistributed net income of subsidiaries
    		  
    63,519
    		   
    (2,575
    )
    		  
    46,250
    		 
    Income tax benefit
    		  
    862
    		   
    1,274
    		   
    2,237
    		 
      (Loss) Income before equity in undistributed net income of subsidiaries
    		  
    64,381
    		   
    (1,301
    )
    		  
    48,487
    		 
    Equity in undistributed net income of subsidiaries
    		  
    14,448
    		   
    78,369
    		   
    24,655
    		 
    Net income
    		 
    $
    78,829
    		  
    $
    77,068
    		  
    $
    73,142
    		 
    Comprehensive (loss)/income
    		 
    $ 
    (2,051
    )
    		 
    $
    102,237
    		  
    $
    111,647
    		 
     
    The statements of cash flows of the parent company for the years ended December 31 is as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Operating activities:
    		      
      Net income
    		 
    $
    78,829
    		  
    $
    77,068
    		  
    $
    73,142
    		 
      Adjustments to reconcile net income to net cash provided by operating activities
    		            
        (Gain)/loss on sale of investments
    		  
    (9
    )
    		  
    0
    		   
    0
    		 
        Equity in undistributed net income of subsidiaries
    		  
    (14,448
    )
    		  
    (78,369
    )
    		  
    (24,655
    )
        Net change in other assets and other liabilities
    		  
    (221
    )
    		  
    (746
    )
    		  
    (504
    )
           Net cash provided by (used in) operating activities
    		  
    64,151
    		   
    (2,047
    )
    		  
    47,983
    		 
    Investing activities:
    		            
      Purchase of investment securities
    		  
    0
    		   
    (3
    )
    		  
    0
    		 
      Proceeds from sale of investment securities
    		  
    114
    		   
    30
    		   
    2
    		 
      Repayments from subsidiaries, net
    		  
    0
    		   
    0
    		   
    51
    		 
      Capital contributions to subsidiaries
    		  
    0
    		   
    (20,081
    )
    		  
    (102,462
    )
           Net cash provided by (used in) investing activities
    		  
    114
    		   
    (20,054
    )
    		  
    (102,409
    )
    Financing activities:
    		            
      Issuance of common stock
    		  
    19,200
    		   
    67,813
    		   
    91,714
    		 
      Cash dividends paid
    		  
    (43,482
    )
    		  
    (40,765
    )
    		  
    (34,404
    )
           Net cash provided by (used in) financing activities
    		  
    (24,282
    )
    		  
    27,048
    		   
    57,310
    		 
    Change in cash and cash equivalents
    		  
    39,983
    		   
    4,947
    		   
    2,884
    		 
    Cash and cash equivalents at beginning of year
    		  
    43,800
    		   
    38,853
    		   
    35,969
    		 
    Cash and cash equivalents at end of year
    		 
    $
    83,783
    		  
    $
    43,800
    		  
    $
    38,853
    		 
                 
    Supplemental disclosures of cash flow information:
    		            
      Cash paid for interest
    		 
    $
    2,521
    		  
    $
    2,738
    		  
    $
    5,959
    		 
    Supplemental disclosures of noncash financing activities
    		            
      Dividends declared and unpaid
    		 
    $
    11,332
    		  
    $
    10,699
    		  
    $
    9,609
    		 
    XML 89 R49.htm IDEA: XBRL DOCUMENT v2.4.0.8
    SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)
    In Millions, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Branch
    Dec. 31, 2012
    Dec. 31, 2011
    Nature of Operations [Abstract]      
    Number of bank branches 183    
    Number of counties in New York where the bank has facilities 35    
    Number of counties in Pennsylvania where the bank has facilities 6    
    Impaired and Other Nonaccrual Loans [Abstract]      
    Number of days past due for loans to be placed on nonaccrual status 90 days    
    Threshold amount of individual commercial loans evaluated for impairment $ 0.5    
    Premises and Equipment [Abstract]      
    Other real estate 5.1 4.8  
    Advertising [Abstract]      
    Advertising costs $ 3.0 $ 2.6 $ 2.5
    Minimum [Member] | Equipment [Member]
    		      
    Premises and Equipment [Abstract]      
    Estimated useful life 3 years    
    Minimum [Member] | Software and Hardware [Member]
    		      
    Premises and Equipment [Abstract]      
    Estimated useful life 3 years    
    Minimum [Member] | Building and Building Improvements [Member]
    		      
    Premises and Equipment [Abstract]      
    Estimated useful life 10 years    
    Maximum [Member] | Equipment [Member]
    		      
    Premises and Equipment [Abstract]      
    Estimated useful life 10 years    
    Maximum [Member] | Software and Hardware [Member]
    		      
    Premises and Equipment [Abstract]      
    Estimated useful life 7 years    
    Maximum [Member] | Building and Building Improvements [Member]
    		      
    Premises and Equipment [Abstract]      
    Estimated useful life 40 years    
    Maximum [Member] | Land Improvements [Member]
    		      
    Premises and Equipment [Abstract]      
    Estimated useful life 20 years    
    Core Deposits [Member] | Minimum [Member]
    		      
    Finite-Lived Intangible Assets [Line Items]      
    Intangible asset useful life (amortization period) 7 years    
    Core Deposits [Member] | Maximum [Member]
    		      
    Finite-Lived Intangible Assets [Line Items]      
    Intangible asset useful life (amortization period) 20 years    
    Customer Relationships [Member] | Minimum [Member]
    		      
    Finite-Lived Intangible Assets [Line Items]      
    Intangible asset useful life (amortization period) 7 years    
    Customer Relationships [Member] | Maximum [Member]
    		      
    Finite-Lived Intangible Assets [Line Items]      
    Intangible asset useful life (amortization period) 12 years    
    XML 90 R41.htm IDEA: XBRL DOCUMENT v2.4.0.8
    EARNINGS PER SHARE (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    EARNINGS PER SHARE [Abstract]  
    Reconciliation of basic to diluted earnings per share
    The following is a reconciliation of basic to diluted earnings per share for the years ended December 31, 2013, 2012 and 2011.

    (000's omitted, except per share data)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Net income
    		 
    $
    78,829
    		  
    $
    77,068
    		  
    $
    73,142
    		 
    Income attributable to unvested stock-based compensation awards
    		  
    (433
    )
    		  
    (499
    )
    		  
    (553
    )
    Income available to common shareholders
    		 
    $
    78,396
    		  
    $
    76,569
    		  
    $
    72,589
    		 
                 
    Weighted-average common shares outstanding - basic
    		  
    40,000
    		   
    39,192
    		   
    35,767
    		 
                 
    Basic earnings per share
    		 
    $
    1.96
    		  
    $
    1.95
    		  
    $
    2.03
    		 
                 
    Net income
    		 
    $
    78,829
    		  
    $
    77,068
    		  
    $
    73,142
    		 
    Income attributable to unvested stock-based compensation awards
    		  
    (433
    )
    		  
    (499
    )
    		  
    (553
    )
    Income available to common shareholders
    		 
    $
    78,396
    		  
    $
    76,569
    		  
    $
    72,589
    		 
                 
    Weighted-average common shares outstanding
    		  
    40,000
    		   
    39,192
    		   
    35,767
    		 
    Assumed exercise of stock options
    		  
    504
    		   
    479
    		   
    415
    		 
    Weighted-average common shares outstanding – diluted
    		  
    40,504
    		   
    39,671
    		   
    36,182
    		 
                 
    Diluted earnings per share
    		 
    $
    1.94
    		  
    $
    1.93
    		  
    $
    2.01
    		 
    Cash dividends declared per share
    		 
    $
    1.10
    		  
    $
    1.06
    		  
    $
    1.00
    		 
    XML 91 R5.htm IDEA: XBRL DOCUMENT v2.4.0.8
    CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Pension and other post retirement obligations:      
    Amortization of actuarial (gains) losses included in net periodic pension cost, gross $ 35,395 $ (3,786) $ (16,006)
    Tax effect (13,841) 1,469 6,167
    Amortization of actuarial (gains) losses included in net periodic pension cost, net 21,554 (2,317) (9,839)
    Amortization of prior service cost included in net periodic pension cost, gross (1,502) (970) (1,207)
    Tax effect 588 376 465
    Amortization of prior service cost included in net periodic pension cost, net (914) (594) (742)
    Other comprehensive income/(loss) related to pension and other post retirement obligations, net of taxes 20,640 (2,911) (10,581)
    Derivative instruments used in cash flow hedging relationships:      
    Unrealized losses on derivative instruments used in cash flow hedging relationships, gross 0 0 3,232
    Tax effect 0 0 (1,252)
    Unrealized losses on derivative instruments, net 0 0 1,980
    Unrealized gains on securities:      
    Net unrealized holding (losses) gains arising during period, gross (79,899) 46,236 75,609
    Tax effect 30,385 (17,978) (28,485)
    Net unrealized holding (losses) gains arising during period, net (49,514) 28,258 47,124
    Reclassification adjustment for net gains included in net income, gross (80,768) (291) (30)
    Tax effect 29,756 113 12
    Reclassification adjustment for net gains included in net income, net (51,012) (178) (18)
    Unrealized holding loss, net related to securities transferred from held-to-maturity to available-for-sale, gross (1,791) 0 0
    Tax effect 797 0 0
    Reclassification adjustment for net loss transferred from held-to-maturity to available-for-sale, gross (994) 0 0
    Other comprehensive (loss)/income related to unrealized (loss) gain on available-for-sale securities, net of taxes (101,520) 28,080 47,106
    Other comprehensive (loss) income, net of tax (80,880) 25,169 38,505
    Net income 78,829 77,068 73,142
    Comprehensive income(loss) (2,051) 102,237 111,647
    Accumulated Other Comprehensive Income By Component:      
    Unrealized loss for pension and other postretirement obligations (11,339) (45,232) (40,477)
    Tax effect 4,194 17,447 15,603
    Net unrealized loss for pension and other postretirement obligations (7,145) (27,785) (24,874)
    Unrealized (loss) gain on available-for-sale securities (31,002) 131,456 85,512
    Tax effect 11,601 (49,337) (31,473)
    Net unrealized (loss) gain on available-for-sale securities (19,401) 82,119 54,039
    Accumulated other comprehensive (loss) income $ (26,546) $ 54,334 $ 29,165
    XML 92 R10.htm IDEA: XBRL DOCUMENT v2.4.0.8
    SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
    		 12 Months Ended
    Dec. 31, 2013
    SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES [Abstract]  
    SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
    NOTE A:  SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
     
    Nature of Operations
    Community Bank System, Inc. (the “Company”) is a single bank holding company which wholly-owns five consolidated subsidiaries: Community Bank, N.A. (the “Bank”), Benefit Plans Administrative Services, Inc. (“BPAS”), CFSI Closeout Corp. (“CFSICC”), First of Jermyn Realty Co. (“FJRC”), and Town & Country Agency LLC (“T&C”).  BPAS owns four subsidiaries, Benefit Plans Administrative Services, LLC (“BPA”), Harbridge Consulting Group, LLC (“Harbrdge”), BPAS Trust Company of Puerto Rico; and Hand Benefits & Trust, Inc. (“HB&T”), which, as of December 31, 2013 owned two subsidiaries Hand Securities Inc. (“HSI”), and Flex Corporation (“Flex”), which was merged with BPA on January 1, 2014.  BPAS provides administration, consulting and actuarial services to sponsors of employee benefit plans.  CFSICC, FJRC and T&C are inactive companies.  The Company also wholly-owns two unconsolidated subsidiary business trusts formed for the purpose of issuing mandatorily-redeemable preferred securities which are considered Tier I capital under regulatory capital adequacy guidelines (see Note P).

    As of December 31, 2013, the Bank operated 183 full service branches under the Community Bank, N.A. name throughout 35 counties of Upstate New York and six counties of Northeastern Pennsylvania offering a range of commercial and retail banking services.  The Bank owns the following subsidiaries: CBNA Insurance Agency, Inc. (“CBNA Insurance”), CBNA Preferred Funding Corporation (“PFC”), CBNA Treasury Management Corporation (“TMC”), Community Investment Services, Inc. (“CISI”), First Liberty Service Corp. (“FLSC”), Nottingham Advisors, Inc. (“Nottingham”), Brilie Corporation (“Brilie”), and Western Catskill Realty, LLC (“WCR”).  CBNA Insurance is a full-service insurance agency offering primarily property and casualty products.  PFC primarily acts as an investor in residential real estate loans.  TMC provides cash management, investment, and treasury services to the Bank.  CISI provides broker-dealer and investment advisory services.  FLSC provides banking-related services to the Pennsylvania branches of the Bank.  Nottingham provides asset management services to individuals, corporate pension and profit sharing plans, and foundations.  Brilie and WCR are inactive companies.

    Principles of Consolidation
    The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries.  All intercompany accounts and transactions have been eliminated in consolidation.

    Variable Interest Entities (“VIE”) are required to be consolidated by a company if it is determined the company is the primary beneficiary of a VIE.  The primary beneficiary of a VIE is the enterprise that has: (1) the power to direct the activities of the VIE that most significantly impact the VIE’s economic performance, and (2) the obligation to absorb losses of the VIE that could potentially be significant to the VIE or the right to receive benefits of the VIE that could potentially be significant to the VIE.  The Company’s wholly-owned subsidiaries, Community Statutory Trust III and Community Capital Trust IV, are VIEs for which the Company is not the primary beneficiary.  Accordingly, the accounts of these entities are not included in the Company’s consolidated financial statements.

    Critical Accounting Estimates in the Preparation of Financial Statements
    The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period.  Actual results could differ from those estimates.  Critical accounting estimates include the allowance for loan losses, actuarial assumptions associated with the pension, post-retirement and other employee benefit plans, the provision for income taxes, investment valuation and other-than-temporary impairment, the carrying value of goodwill and other intangible assets, and acquired loan valuations.

    Risk and Uncertainties
    In the normal course of its business, the Company encounters economic and regulatory risks.  There are three main components of economic risk: interest rate risk, credit risk and market risk.  The Company is subject to interest rate risk to the degree that its interest-bearing liabilities mature or reprice at different speeds, or on different basis, from its interest-earning assets.  The Company’s primary credit risk is the risk of default on the Company’s loan portfolio that results from the borrowers’ inability or unwillingness to make contractually required payments.  Market risk reflects potential changes in the value of collateral underlying loans, the fair value of investment securities, and loans held for sale.

    The Company is subject to regulations of various governmental agencies.  These regulations can change significantly from period to period.  The Company also undergoes periodic examinations by the regulatory agencies which may subject it to further changes with respect to asset valuations, amounts of required loan loss allowances, and operating restrictions resulting from the regulators’ judgments based on information available to them at the time of their examinations.
     
    Revenue Recognition
    The Company recognizes income on an accrual basis. CISI recognizes fee income when investment and insurance products are sold to customers.  Nottingham provides asset management services to brokerage firms and clients and recognizes income ratably over the contract period during which service is performed.  Revenue from BPA’s administration and recordkeeping services is recognized ratably over the service contract period.  Revenue from consulting and actuarial services is recognized when services are rendered.  CBNA Insurance recognizes commission revenue at the later of the effective date of the insurance policy, or the date on which the policy premium is billed to the customer.  At that date, the earnings process has been completed and the impact of refunds for policy cancellations can be reasonably estimated to establish reserves. The reserve for policy cancellations is based upon historical cancellation experience adjusted for known circumstances. All intercompany revenue and expense among related entities are eliminated in consolidation.

    Cash and Cash Equivalents
    For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks and highly liquid investments with original maturities of less than 90 days.  The carrying amounts reported in the balance sheet for cash and cash equivalents approximate those assets’ fair values.

    Investment Securities
    The Company has classified its investments in debt and equity securities as held-to-maturity or available-for-sale.  Held-to-maturity securities are those for which the Company has the positive intent and ability to hold until maturity, and are reported at cost, which is adjusted for amortization of premiums and accretion of discounts.  As discussed further in Note D, the Company reclassified its held-to-maturity portfolio to available-for-sale and the Company will not be able to use the held-to-maturity classification for the foreseeable future.  Securities classified as available-for-sale and are reported at fair value with net unrealized gains and losses reflected as a separate component of shareholders' equity, net of applicable income taxes.  None of the Company's investment securities have been classified as trading securities at December 31, 2013.  Certain equity securities are stated at cost and include restricted stock of the Federal Reserve Bank of New York (“Federal Reserve”) and Federal Home Loan Bank of New York (“FHLB”).  During 2013 the Company sold certain held-to-maturity securities.  As a result of the transaction, the Company will not be able to use the held-to-maturity classification for the foreseeable future.

    Fair values for investment securities are based upon quoted market prices, where available.  If quoted market prices are not available, fair values are based upon quoted market prices of comparable instruments, or a discounted cash flow model using market estimates of interest rates and volatility.

    The Company conducts an assessment of all securities in an unrealized loss position to determine if other-than-temporary impairment (“OTTI”) exists on a quarterly basis. An unrealized loss exists when the current fair value of an individual security is less than its amortized cost basis.  The OTTI assessment considers the security structure, recent security collateral performance metrics, if applicable, external credit ratings, failure of the issuer to make scheduled interest or principal payments, judgment about and expectations of future performance, and relevant independent industry research, analysis and forecasts. The severity of the impairment and the length of time the security has been impaired is also considered in the assessment.  The assessment of whether an OTTI decline exists is performed on each security, regardless of the classification of the security as available-for-sale or held-to-maturity and involves a high degree of subjectivity and judgment that is based on the information available to management at a point in time.
     
    An OTTI loss must be recognized for a debt security in an unrealized loss position if there is intent to sell the security or it is more likely than not the Company will be required to sell the security prior to recovery of its amortized cost basis. In this situation, the amount of loss recognized in income is equal to the difference between the fair value and the amortized cost basis of the security. Even if management does not have the intent, and it is not more likely than not that the Company will be required to sell the securities, an evaluation of the expected cash flows to be received is performed to determine if a credit loss has occurred. For debt securities, a critical component of the evaluation for OTTI is the identification of credit-impaired securities, where the Company does not expect to receive cash flows sufficient to recover the entire amortized cost basis of the security.  In the event of a credit loss, only the amount of impairment associated with the credit loss would be recognized in income. The portion of the unrealized loss relating to other factors, such as liquidity conditions in the market or changes in market interest rates, is recorded in accumulated other comprehensive loss.

    Equity securities are also evaluated to determine whether the unrealized loss is expected to be recoverable based on whether evidence exists to support a realizable value equal to or greater than the amortized cost basis. If it is probable that the amortized cost basis will not be recovered, taking into consideration the estimated recovery period and the ability to hold the equity security until recovery, OTTI is recognized in earnings equal to the difference between the fair value and the amortized cost basis of the security.

    The specific identification method is used in determining the realized gains and losses on sales of investment securities and OTTI charges.  Premiums and discounts on securities are amortized and accreted, respectively, on the interest method basis over the period to maturity or estimated life of the related security.  Purchases and sales of securities are recognized on a trade date basis.
     
    Derivative Financial Instruments
    The Company has utilized interest rate swap agreements, considered to be cash flow hedges, as part of the management of interest rate risk to modify the repricing characteristics of certain portions of its portfolios of interest-bearing liabilities. These derivative instruments, when used, are required to be carried at fair value on the balance sheet.

    Cash flow hedges are accounted for by recording the fair value of the derivative instrument on the balance sheet as either a freestanding asset or liability, with a corresponding offset recorded in other comprehensive income within shareholders’ equity, net of income tax effect.  Amounts are reclassified from other comprehensive income to the income statement in the period or periods the hedged transaction affects earnings.  Derivative gains and losses not effective in hedging the expected cash flows of the hedged item are recognized immediately in the income statement.  At the hedge’s inception and at least quarterly thereafter, a formal assessment is performed to determine the effectiveness of the cash flow hedge.  If it is determined that a derivative instrument has not been or will not continue to be highly effective as a hedge, hedge accounting is discontinued.
     
    Loans
    Loans are stated at unpaid principal balances, net of unearned income.  Mortgage loans held for sale are carried at fair value and are included in loans held for sale on the balance sheet. Fair values for variable rate loans that reprice frequently are based on carrying values.  Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.  The carrying amount of accrued interest approximates its fair value.

    Interest on loans is accrued and credited to operations based upon the principal amount outstanding.  Nonrefundable loan fees and related direct costs are deferred and included in the loan balances where they are amortized over the life of the loan as an adjustment to loan yield using the effective yield method.  Premiums and discounts on purchased loans are amortized using the effective yield method over the life of the loans.

    Acquired loans
    Acquired loans are initially recorded at their acquisition date fair values.  The carryover of allowance for loan losses is prohibited as any credit losses in the loans are included in the determination of the fair value of the loans at the acquisition date. Fair values for acquired loans are based on a discounted cash flow methodology that involves assumptions and judgments as to credit risk, prepayment risk, liquidity risk, default rates, loss severity, payment speeds, collateral values and discount rate.

    Acquired impaired loans
    Acquired loans that have evidence of deterioration in credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all contractually required payments are accounted for as impaired loans under ASC 310-30.  The excess of undiscounted cash flows expected at acquisition over the estimated fair value is referred to as the accretable discount and is recognized into interest income over the remaining life of the loans using the interest method. The difference between contractually required payments at acquisition and the undiscounted cash flows expected to be collected at acquisition is referred to as the non-accretable discount. The non-accretable discount represents estimated future credit losses and other contractually required payments that the Company does not expect to collect. Subsequent decreases in expected cash flows are recognized as impairments through a charge to the provision for credit losses resulting in an increase in the allowance for loan losses. Subsequent improvements in expected cash flows result in a recovery of previously recorded allowance for loan losses or a reversal of a corresponding amount of the non-accretable discount, which the Company then reclassifies as an accretable discount that is recognized into interest income over the remaining life of the loans using the interest method.

    Acquired loans that met the criteria for non-accrual of interest prior to acquisition may be considered performing upon acquisition, regardless of whether the customer is contractually delinquent, if the Company can reasonably estimate the timing and amount of the expected cash flows on such loans and if the Company expects to fully collect the new carrying value of the loans. As such, the Company may no longer consider the loan to be non-accrual or non-performing and may accrue interest on these loans, including the impact of any accretable discount.

    Acquired non-impaired loans
    Acquired loans that do not meet the requirements under ASC 310-30 are considered acquired non-impaired loans. The difference between the acquisition date fair value and the outstanding balance represents the fair value adjustment for a loan and includes both credit and interest rate considerations. Fair value adjustments may be discounts (or premiums) to a loan’s cost basis and are accreted (or amortized) to net interest income (or expense) over the loan’s remaining life in accordance with ASC 310- 20. Fair value adjustments for revolving loans are accreted (or amortized) using a straight line method. Term loans are accreted (or amortized) using the constant effective yield method.

    Subsequent to the purchase date, the methods used to estimate the allowance for loan losses for the acquired non-impaired loans is consistent with the policy described below.  However, the Company compares the net realizable value of the loans to the carrying value, for loans collectively evaluated for impairment.  The carrying value represents the net of the loan’s unpaid principal balance and the remaining purchase discount (or premium) that has yet to be accreted into interest income.  When the carrying value exceeds the net realizable value, an allowance for loan losses is recognized.
     
    Impaired and Other Nonaccrual Loans
    The Company places a loan on nonaccrual status when the loan becomes 90 days past due (or sooner, if management concludes collection is doubtful), except when, in the opinion of management, it is well-collateralized and in the process of collection.  A loan may be placed on nonaccrual status earlier than ninety days past due if there is deterioration in the financial position of the borrower or if other conditions of the loan so warrant. When a loan is placed on nonaccrual status, uncollected accrued interest is reversed against interest income and the amortization of nonrefundable loan fees and related direct costs is discontinued. Interest income during the period the loan is on nonaccrual status is recorded on a cash basis after recovery of principal is reasonably assured. Nonaccrual loans are returned to accrual status when management determines that the borrower’s performance has improved and that both principal and interest are collectible.  This generally requires a sustained period of timely principal and interest payments and a well-documented credit evaluation of the borrower’s financial condition.

    A loan is considered modified in a troubled debt restructuring (“TDR”) when, due to a borrower’s financial difficulties, the Company makes a concession(s) to the borrower that it would not otherwise consider.  These modifications may include, among others, an extension for the term of the loan, or granting a period when interest–only payments can be made with the principal payments and interest caught up over the remaining term of the loan or at maturity.  Generally, a nonaccrual loan that has been modified in a TDR remains on nonaccrual status for a period of 12 months to demonstrate that the borrower is able to meet the terms of the modified loan.  If the borrower’s ability to meet the revised payment schedule is uncertain, the loan remains on nonaccrual status.
     
    During 2012, new regulatory guidance was issued by the OCC addressing the accounting of certain loans that have been discharged in Chapter 7 bankruptcy.  In accordance with this new guidance, loans that have been discharged in Chapter 7 bankruptcy but not reaffirmed by the borrower are classified as TDRs, irrespective of payment history or delinquency status, even if the repayment terms for the loan have not been otherwise modified.  The Company’s lien position against the underlying collateral remains unchanged.  Pursuant to that guidance, the Company records a charge-off equal to any portion of the carrying value that exceeds the net realizable value of the collateral.

    Commercial loans greater than $0.5 million are evaluated individually for impairment.  A loan is considered impaired, based on current information and events, if it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement.  The measurement of impaired loans is generally based upon the present value of expected future cash flows or the fair value of the collateral, if the loan is collateral-dependent.

    The Company’s charge-off policy by loan type is as follows:
     
    ·
    Business lending loans are generally charged-off to the extent outstanding principal exceeds the fair value of estimated proceeds from collection efforts, including liquidation of collateral. The charge-off is recognized when the loss becomes reasonably quantifiable.
    ·
    Consumer installment loans are generally charged-off to the extent outstanding principal balance exceeds the fair value of collateral, and are recognized by the end of the month in which the loan becomes 90 days past due.
    ·
    Consumer mortgage and home equity loans are generally charged-off to the extent outstanding principal exceeds the fair value of the property, less estimated costs to sell, and are recognized when the loan becomes 180 days past due.
     
    Allowance for Loan Losses
    Management continually evaluates the credit quality of the Company’s loan portfolio, and performs a formal review of the adequacy of the allowance for loan losses on a quarterly basis.  The allowance reflects management’s best estimate of probable losses inherent in the loan portfolio.  Determination of the allowance is subjective in nature and requires significant estimates.   The Company’s allowance methodology consists of two broad components - general and specific loan loss allocations.

    The general loan loss allocation is composed of two calculations that are computed on five main loan segments:  business lending, consumer installment - direct, consumer installment - indirect, home equity and consumer mortgage.  The first calculation is quantitative and determines an allowance level based on the latest 36 months of historical net charge-off data for each loan class (commercial loans exclude balances with specific loan loss allocations).  The second calculation is qualitative and takes into consideration eight qualitative environmental factors:  levels and trends in delinquencies and impaired loans; levels of and trends in charge-offs and recoveries; trends in volume and terms of loans; effects of any changes in risk selection and underwriting standards, and other changes in lending policies, procedures, and practices; experience, ability, and depth of lending management and other relevant staff; national and local economic trends and conditions; industry conditions; and effects of changes in credit concentrations.    A component of the qualitative calculation is the unallocated allowance for loan loss.  The qualitative and quantitative calculations are added together to determine the general loan loss allocation.  The specific loan loss allocation relates to individual commercial loans that are both greater than $0.5 million and in a nonaccruing status with respect to interest.  Specific loan losses are based on discounted estimated cash flows, including any cash flows resulting from the conversion of collateral or collateral shortfalls.  The allowance levels computed from the specific and general loan loss allocation methods are combined with unallocated allowances and allowances needed for acquired loans to derive the total required allowance for loan losses to be reflected on the Consolidated Statement of Condition.
     
    Loan losses are charged off against the allowance, while recoveries of amounts previously charged off are credited to the allowance.  A provision for loan losses is charged to operations based on management’s periodic evaluation of factors previously mentioned.

    Intangible Assets
    Intangible assets include core deposit intangibles, customer relationship intangibles and goodwill arising from acquisitions. Core deposit intangibles and customer relationship intangibles are amortized on either an accelerated or straight-line basis over periods ranging from seven to 20 years. The initial and ongoing carrying value of goodwill and other intangible assets is based upon discounted cash flow modeling techniques that require management to make estimates regarding the amount and timing of expected future cash flows.  It also requires use of a discount rate that reflects the current return requirements of the market in relation to present risk-free interest rates, required equity market premiums, peer volatility indicators, and company-specific risk indicators.

    The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The implied fair value of a reporting unit’s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value over fair value.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.

    Premises and Equipment
    Premises and equipment are stated at cost less accumulated depreciation.  Computer software costs that are capitalized only include external direct costs of obtaining and installing the software.  The Company has not developed any internal use software.  Depreciation is calculated using the straight-line method over the estimated useful lives of the assets.  Useful lives range from three to 10 years for equipment; three to seven years for software and hardware; and 10 to 40 years for building and building improvements.  Land improvements are depreciated over 20 years and leasehold improvements are amortized over the shorter of the term of the respective lease plus any optional renewal periods that are reasonably assured or life of the asset. Maintenance and repairs are charged to expense as incurred.

    Other Real Estate
    Other real estate owned is comprised of properties acquired through foreclosure, or by deed in lieu of foreclosure.  These assets are carried at fair value less estimated costs of disposal.  At foreclosure, if the fair value, less estimated costs to sell, of the real estate acquired is less than the Company’s recorded investment in the related loan, a write-down is recognized through a charge to the allowance for loan losses.  Any subsequent reduction in value is recognized by a charge to income.  Operating costs associated with the properties are charged to expense as incurred.  At December 31, 2013 and 2012, other real estate amounted to $5.1 million and $4.8 million, respectively, and is included in other assets.

    Mortgage Servicing Rights
    Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the period of estimated net servicing income or loss.  The Company uses a valuation model that calculates the present value of future cash flows to determine the fair value of servicing rights.  In using this valuation method, the Company incorporates assumptions that market participants would use in estimating future net servicing income, which includes estimates of the servicing cost per loan, the discount rate, and prepayment speeds.  The carrying value of the originated mortgage servicing rights is included in other assets and is evaluated quarterly for impairment using these same market assumptions.  The amount of impairment recognized is the amount by which the carrying value of the capitalized servicing rights for a stratum exceeds estimated fair value.  Impairment is recognized through a valuation allowance.

    Treasury Stock
    Repurchases of shares of the Company’s common stock are recorded at cost as a reduction of shareholders’ equity.  Reissuance of shares of treasury stock is recorded at average cost.

    Income Taxes
    The Company and its subsidiaries file a consolidated federal income tax return.  Provisions for income taxes are based on taxes currently payable or refundable as well as deferred taxes that are based on temporary differences between the tax basis of assets and liabilities and their reported amounts in the financial statements.  Deferred tax assets and liabilities are reported in the financial statements at currently enacted income tax rates applicable to the period in which the deferred tax assets and liabilities are expected to be realized or settled.

    Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority having full knowledge of all relevant information. A tax position meeting the more-likely-than-not recognition threshold should be measured at the largest amount of benefit for which the likelihood of realization upon ultimate settlement exceeds 50 percent.

    Retirement Benefits
    The Company provides defined benefit pension benefits to eligible employees and post-retirement health and life insurance benefits to certain eligible retirees.  The Company also provides deferred compensation and supplemental executive retirement plans for selected current and former employees, officers, and directors.  Expense under these plans is charged to current operations and consists of several components of net periodic benefit cost based on various actuarial assumptions regarding future experience under the plans, including discount rate, rate of future compensation increases and expected return on plan assets.
     
    Assets Under Management or Administration
    Assets held in fiduciary or agency capacities for customers are not included in the accompanying consolidated statements of condition as they are not assets of the Company.  All fees associated with providing asset management services are recorded on an accrual basis of accounting and are included in noninterest income.

    Advertising
    Advertising costs amounting to approximately $3.0 million, $2.6 million and $2.5 million for the years ending December 31, 2013, 2012 and 2011, respectively, are nondirect response in nature and expensed as incurred.

    Earnings Per Share
    Using the two-class method, basic earnings per common share is computed based upon net income available to common shareholders divided by the weighted average number of common shares outstanding during each period, which excludes the outstanding unvested restricted stock as they contain nonforfeitable rights to dividends.  Diluted earnings per share is computed using the weighted average number of common shares determined for the basic earnings per common share computation plus the dilutive effect of stock options using the treasury stock method.  Stock options where the exercise price is greater than the average market price of common shares were not included in the computation of earnings per diluted share as they would have been anti-dilutive.

    Stock-based Compensation
    Companies are required to measure and record compensation expense for stock options and other share-based payments on the instruments’ fair value on the date of grant.  The Company uses the modified prospective method.  Under this method, expense is recognized for awards that are granted, modified, or settled after December 31, 2005, as well as for unvested awards that were granted prior to January 1, 2006.  Stock-based compensation expense is recognized ratably over the requisite service period for all awards (see Note L).
     
    Fair Values of Financial Instruments
    The Company determines fair values based on quoted market values where available or on estimates using present values or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.  In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument.  Certain financial instruments and all nonfinancial instruments are excluded from this disclosure requirement.  Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.  The fair values of investment securities, loans, deposits, and borrowings have been disclosed in Note R.

    Reclassifications
    Certain reclassifications have been made to prior years’ balances to conform to the current year presentation.

    New Accounting Pronouncements
    In January 2014, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) No. 2014-04, Receivables – Troubled Debt Restructurings by Creditors (Subtopic 310-40):  Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure.  This new guidance clarifies when an in substance repossession or foreclosure occurs, and requires all creditors who obtain physical possession (resulting from an in substance repossession or foreclosure) of residential real estate property collateralizing a consumer mortgage loan in satisfaction of a receivable to reclassify the collateralized mortgage loan such that the loan should be derecognized and the collateral asset recognized. This guidance is effective prospectively for the Company for annual and interim periods beginning after December 15, 2014.  The adoption of this guidance is not expected to have a material impact on the Company’s consolidated financial statements.
    XML 93 R58.htm IDEA: XBRL DOCUMENT v2.4.0.8
    GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS (Details) (USD $)
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Dec. 31, 2011
    Finite-Lived Intangible Assets [Line Items]      
    Gross Carrying Amount $ 50,163,000 $ 47,617,000  
    Accumulated Amortization (34,655,000) (30,186,000)  
    Net Carrying Amount 15,508,000 17,431,000  
    Finite-lived intangible assets, future amortization expense [Abstract]      
    2014 4,160,000    
    2015 3,296,000    
    2016 2,515,000    
    2017 1,828,000    
    2018 1,359,000    
    Thereafter 2,350,000    
    Net Carrying Amount 15,508,000 17,431,000  
    Components of goodwill [Abstract]      
    Goodwill 379,815,000 374,527,000 349,874,000
    Goodwill, Activity 5,288,000 24,653,000  
    Accumulated Impairment (4,824,000) (4,824,000) (4,824,000)
    Accumulated impairment, Activity 0 0  
    Goodwill, net 374,991,000 369,703,000 345,050,000
    Goodwill, net, Activity 5,288,000 24,653,000  
    Servicing Asset at Fair Value, Amount [Roll Forward]      
    Carrying value before valuation allowance at end of period 1,218,000    
    Valuation Allowance for Impairment of Recognized Servicing Assets [Roll Forward]      
    Fair value of MSRs at end of period 1,495,000    
    Key economic assumptions used to estimate the value of the MSRs [Abstract]      
    Weighted-average contractual life 19 years 2 months 12 days 18 years 9 months 18 days  
    Weighted-average constant prepayment rate (CPR) (in hundredths) 18.00% 34.40%  
    Weighted-average discount rate (in hundredths) 4.50% 3.10%  
    Core Deposit Intangibles [Member]
    		      
    Finite-Lived Intangible Assets [Line Items]      
    Gross Carrying Amount 40,722,000 38,185,000  
    Accumulated Amortization (27,262,000) (23,693,000)  
    Net Carrying Amount 13,460,000 14,492,000  
    Finite-lived intangible assets, future amortization expense [Abstract]      
    Net Carrying Amount 13,460,000 14,492,000  
    Other Intangibles [Member]
    		      
    Finite-Lived Intangible Assets [Line Items]      
    Gross Carrying Amount 9,441,000 9,432,000  
    Accumulated Amortization (7,393,000) (6,493,000)  
    Net Carrying Amount 2,048,000 2,939,000  
    Finite-lived intangible assets, future amortization expense [Abstract]      
    Net Carrying Amount 2,048,000 2,939,000  
    Mortgage Servicing Rights [Member]
    		      
    Servicing Asset at Fair Value, Amount [Roll Forward]      
    Carrying value before valuation allowance at beginning of period 1,458,000 2,145,000  
    Additions 289,000 0  
    Amortization (529,000) (687,000)  
    Carrying value before valuation allowance at end of period 1,218,000 1,458,000  
    Valuation Allowance for Impairment of Recognized Servicing Assets [Roll Forward]      
    Valuation allowance balance at beginning of period (430,000) (397,000)  
    Impairment charges (111,000) (279,000)  
    Impairment recoveries 541,000 246,000  
    Valuation allowance balance at end of period 0 (430,000)  
    Net carrying value at end of period 1,218,000 1,028,000  
    Fair value of MSRs at end of period 1,495,000 1,028,000  
    Principal balance of loans sold during the year 25,179,000 3,554,000  
    Principal balance of loans serviced for others 322,030,000 367,241,000  
    Custodial escrow balances maintained in connection with loans serviced for others $ 4,519,000 $ 5,011,000  
    XML 94 R69.htm IDEA: XBRL DOCUMENT v2.4.0.8
    COMMITMENTS, CONTINGENT LIABILITIES AND RESTRICTIONS (Details) (USD $)
    Dec. 31, 2013
    Dec. 31, 2012
    Off-balance Sheet Risks, Disclosure Information [Line Items]    
    Face Value Disclosure Off-balance Sheet Risks Face Amount Liability $ 729,353,000 $ 774,346,000
    Unused lines of credit 65,000,000  
    Federal Home Loan Bank unused borrowing capacity 1,200,000,000  
    Federal Reserve Bank unused borrowing capacity 10,100,000  
    Federal Reserve required average total reserve 52,800,000  
    Required deposit with Federal Reserve Bank of New York 0  
    Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, lower range 0  
    Range of reasonably possible losses for such matters in the aggregate, beyond the existing recorded liability, upper range 5,000,000  
    Commitments to Extend Credit [Member]
    		    
    Off-balance Sheet Risks, Disclosure Information [Line Items]    
    Face Value Disclosure Off-balance Sheet Risks Face Amount Liability 704,904,000 750,178,000
    Standby Letters of Credit [Member]
    		    
    Off-balance Sheet Risks, Disclosure Information [Line Items]    
    Face Value Disclosure Off-balance Sheet Risks Face Amount Liability $ 24,449,000 $ 24,168,000
    XML 95 R27.htm IDEA: XBRL DOCUMENT v2.4.0.8
    FAIR VALUE
    		 12 Months Ended
    Dec. 31, 2013
    FAIR VALUE [Abstract]  
    FAIR VALUE
    NOTE R:  FAIR VALUE

    Accounting standards allow entities an irrevocable option to measure certain financial assets and financial liabilities at fair value.  Unrealized gains and losses on items for which the fair value option has been elected are reported in earnings.  The Company has elected to value mortgage loans held for sale at fair value in order to more closely match the gains and losses associated with loans held for sale with the gains and losses on forward sales contracts.  Accordingly, the impact on the valuation will be recognized in the Company’s consolidated statement of income.  All mortgage loans held for sale are current and in performing status.

    Accounting standards establish a framework for measuring fair value and require certain disclosures about such fair value instruments.  It defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date (i.e. exit price).  Inputs used to measure fair value are classified into the following hierarchy:

    ·
    Level 1 – Quoted prices in active markets for identical assets or liabilities.
    ·
    Level 2 – Quoted prices in active markets for similar assets or liabilities, or quoted prices for identical or similar assets or liabilities in markets that are not active, or inputs other than quoted prices that are observable for the asset or liability.
    ·
    Level 3 – Significant valuation assumptions not readily observable in a market.
     
    A financial instrument’s categorization within the valuation hierarchy is based upon the lowest level of input that is significant to the fair value measurement.  The following tables set forth the Company’s financial assets and liabilities that were accounted for at fair value on a recurring basis.  There were no transfers between any of the levels for the periods presented.

       
    December 31, 2013
    		 
    (000's omitted)
    		 
    Level 1
    		  
    Level 2
    		  
    Level 3
    		  
    Total Fair Value
    		 
    Available-for-sale investment securities:
    		        
    U.S. Treasury and agency securities
    		 
    $
    1,182,261
    		  
    $
    29,886
    		  
    $
    0
    		  
    $
    1,212,147
    		 
    Obligations of state and political subdivisions
    		  
    0
    		   
    668,982
    		   
    0
    		   
    668,982
    		 
    Government agency mortgage-backed securities
    		  
    0
    		   
    254,978
    		   
    0
    		   
    254,978
    		 
    Corporate debt securities
    		  
    0
    		   
    27,587
    		   
    0
    		   
    27,587
    		 
    Government agency collateralized mortgage obligations
    		  
    0
    		   
    22,048
    		   
    0
    		   
    22,048
    		 
    Marketable equity securities
    		  
    421
    		   
    0
    		   
    0
    		   
    421
    		 
       Total available-for-sale investment securities
    		  
    1,182,682
    		   
    1,003,481
    		   
    0
    		   
    2,186,163
    		 
    Mortgage loans held for sale
    		  
    0
    		   
    728
    		   
    0
    		   
    728
    		 
    Commitments to originate real estate loans for sale
    		  
    0
    		   
    0
    		   
    44
    		   
    44
    		 
    Forward sales commitments
    		  
    0
    		   
    27
    		   
    0
    		   
    27
    		 
    Total
    		 
    $
    1,182,682
    		  
    $
    1,004,236
    		  
    $
    44
    		  
    $
    2,186,962
    		 
     
       
    December 31, 2012
    		 
    (000's omitted)
    		 
    Level 1
    		  
    Level 2
    		  
    Level 3
    		  
    Total Fair Value
    		 
    Available-for-sale investment securities:
    		        
    U.S. Treasury and agency securities
    		 
    $
    891,803
    		  
    $
    187,454
    		  
    $
    0
    		  
    $
    1,079,257
    		 
    Obligations of state and political subdivisions
    		  
    0
    		   
    662,892
    		   
    0
    		   
    662,892
    		 
    Government agency mortgage-backed securities
    		  
    0
    		   
    269,951
    		   
    0
    		   
    269,951
    		 
    Pooled trust preferred securities
    		  
    0
    		   
    0
    		   
    49,600
    		   
    49,600
    		 
    Government agency collateralized mortgage obligations
    		  
    0
    		   
    33,935
    		   
    0
    		   
    33,935
    		 
    Corporate debt securities
    		  
    0
    		   
    25,357
    		   
    0
    		   
    25,357
    		 
    Marketable equity securities
    		  
    402
    		   
    0
    		   
    0
    		   
    402
    		 
    Total available-for-sale investment securities/Total
    		 
    $
    892,205
    		  
    $
    1,179,589
    		  
    $
    49,600
    		  
    $
    2,121,394
    		 

    The valuation techniques used to measure fair value for the items in the table above are as follows:
     
    ·
    Available for sale investment securities – The fair value of available-for-sale investment securities is based upon quoted prices, if available. If quoted prices are not available, fair values are measured using quoted market prices for similar securities or model-based valuation techniques. Level 1 securities include U.S. Treasury obligations and marketable equity securities that are traded by dealers or brokers in active over-the-counter markets. Level 2 securities include U.S. agency securities, mortgage-backed securities issued by government-sponsored entities, municipal securities and corporate debt securities that are valued by reference to prices for similar securities or through model-based techniques in which all significant inputs, such as reported trades, trade execution data, LIBOR swap yield curve, market prepayment speeds, credit information, market spreads, and security’s terms and conditions, are observable. Securities classified as Level 3 include pooled trust preferred securities in less liquid markets. The value of these instruments is determined using multiple pricing models or similar techniques from third party sources as well as significant unobservable inputs such as judgment or estimation by the Company in the weighting of the models. See Note C for further discussion of the fair value of investment securities.
    ·
    Mortgage loans held for sale – Mortgage loans held for sale are carried at fair value, which is determined using quoted secondary-market prices of loans with similar characteristics and, as such, have been classified as a Level 2 valuation. The unpaid principal value of mortgage loans held for sale at December 31, 2013 is approximately $723,000. The unrealized gain of $5,000 was recognized in other banking services in the Consolidate Statement of Income for the year ended December 31, 2013.
    ·
    Forward sales commitments – The Company enters into forward sales commitments to sell certain residential real estate loans. Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet. The fair value of these forward sales commitments is primarily measured by obtaining pricing from certain government-sponsored entities and reflects the underlying price the entity would pay the Company for an immediate sale on these mortgages. As such, these instruments are classified as Level 2 in the fair value hierarchy.
    ·
    Commitments to originate real estate loans for sale – The Company enters into various commitments to originate residential real estate loans for sale. Such commitments are considered to be derivative financial instruments and, therefore, are carried at estimated fair value in the other asset or other liability section of the consolidated balance sheet. The estimated fair value of these commitments is determined using quoted secondary market prices obtained from certain government-sponsored entities. Additionally, accounting guidance requires the expected net future cash flows related to the associated servicing of the loan to be included in the fair value measurement of the derivative. The expected net future cash flows are based on a valuation model that calculates the present value of estimated net servicing income. The valuation model incorporates assumptions that market participants would use in estimating future net servicing income. Such assumptions include estimates of the cost of servicing loans, appropriate discount rate and prepayment speeds. The determination of expected net cash flows is considered a significant unobservable input contributing to the Level 3 classification of commitments to originate real estate loans for sale.
     
     The changes in Level 3 assets measured at fair value on a recurring basis are summarized in the following tables:
     
      Year Ended December 31, 
      
    2013
    		  
    2012
    		 
    (000's omitted)
    		 
    Pooled trust preferred
    securities
    		  
    Commitments
    to originate
    real estate
    loans for sale
    		  
    Total
    		  
    Pooled trust preferred securities
    		 
    Beginning balance
    		 
    $
    49,600
    		  
    $
    0
    		  
    $
    49,600
    		  
    $
    43,846
    		 
    Total gains/(losses) included in earnings (1)(2)
    		  
    (15,201
    )
    		  
    (249
    )
    		  
    (15,450
    )
    		  
    220
    		 
    Total gains/(losses) included in other comprehensive income(3)
    		  
    12,379
    		   
    0
    		   
    12,379
    		   
    11,890
    		 
    Principal reductions
    		  
    (5,944
    )
    		  
    0
    		   
    (5,944
    )
    		  
    (6,356
    )
    Sales
    		  
    (40,834
    )
    		  
    0
    		   
    (40,834
    )
    		  
    0
    		 
    Commitments to originate real estate loans held for sale, net
    		  
    0
    		   
    293
    		   
    293
    		   
    0
    		 
    Ending balance
    		 
    $
    0
    		  
    $
    44
    		  
    $
    44
    		  
    $
    49,600
    		 
     
    (1) Amounts included in earnings associated with the pooled trust preferred securities relate to accretion of related discount, which are reported in interest and dividends on taxable investments, and the loss realized upon the sale of the securities, which is included in gain on sales of investment securities, net.
    (2) Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income.
    (3) Amounts included in other comprehensive income associated with the pooled trust preferred securities relate to changes in unrealized loss and are reported as a component of unrealized gains/(losses) on available-for sale securities in the Statement of Comprehensive Income.
    		 
     
    Assets and liabilities measured on a non-recurring basis:
     
       
    December 31, 2013
    		  
    December 31, 2012
    		 
    (000's omitted)
    		 
    Level 1
    		  
    Level 2
    		  
    Level 3
    		  
    Total Fair Value
    		  
    Level 1
    		  
    Level 2
    		  
    Level 3
    		  
    Total Fair Value
    		 
    Impaired loans
    		 
    $
    0
    		  
    $
    600
    		  
    $
    0
    		  
    $
    600
    		  
    $
    0
    		  
    $
    0
    		  
    $
    1,186
    		  
    $
    1,186
    		 
    Other real estate owned
    		  
    0
    		   
    0
    		   
    5,060
    		   
    5,060
    		   
    0
    		   
    0
    		   
    4,788
    		   
    4,788
    		 
    Mortgage servicing rights
    		  
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    0
    		   
    1,028
    		   
    1,028
    		 
       Total
    		 
    $
    0
    		  
    $
    600
    		  
    $
    5,060
    		  
    $
    5,660
    		  
    $
    0
    		  
    $
    0
    		  
    $
    7,002
    		  
    $
    7,002
    		 

    Loans are generally not recorded at fair value on a recurring basis.  Periodically, the Company records nonrecurring adjustments to the carrying value of loans based on fair value measurements for partial charge-offs of the uncollectible portions of those loans.  Nonrecurring adjustments also include certain impairment amounts for collateral-dependent loans calculated when establishing the allowance for credit losses. Such amounts are generally based on the fair value of the underlying collateral supporting the loan and, as a result, the carrying value of the loan less the calculated valuation amount does not necessarily represent the fair value of the loan. Real estate collateral is typically valued using independent appraisals or other indications of value based on recent comparable sales of similar properties or assumptions generally observable in the marketplace, adjusted for non-observable inputs.  Thus, the resulting nonrecurring fair value measurements are generally classified as Level 3. Estimates of fair value used for other collateral supporting commercial loans generally are based on assumptions not observable in the marketplace and, therefore, such valuations classify as Level 3.  At December 31, 2013, impaired loans recorded at fair value consisted of one loan that was valued using a purchase offer that did not require an adjustment for estimated costs.  As such, no unobservable inputs were utilized and it was classified as a Level 2 valuation.
     
    Other real estate owned is valued at the time the loan is foreclosed upon and the asset is transferred to other real estate owned. The value is based primarily on third party appraisals, less estimated costs to sell. The appraisals are sometimes further discounted based on management’s historical knowledge, changes in market conditions from the time of valuation, and/or management’s expertise and knowledge of the client and client’s business. Such discounts are significant, ranging from 11% to 54% at December 31, 2013 and result in a Level 3 classification of the inputs for determining fair value. Other real estate owned is reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors identified above. The Company recovers the carrying value of other real estate owned through the sale of the property. The ability to affect future sales prices is subject to market conditions and factors beyond our control and may impact the estimated fair value of a property.

    Originated mortgage servicing rights are recorded at their fair value at the time of sale of the underlying loan, and are amortized in proportion to and over the estimated period of net servicing income.  The fair value of mortgage servicing rights is based on a valuation model incorporating inputs that market participants would use in estimating future net servicing income.  Such inputs include estimates of the cost of servicing loans, appropriate discount rate, and prepayment speeds and are considered to be unobservable and contribute to the Level 3 classification of mortgage servicing rights.    In accordance with GAAP, the Company must record impairment charges, on a nonrecurring basis, when the carrying value of a stratum exceeds its estimated fair value.  Impairment is recognized through a valuation allowance.  There is no valuation allowance at December 31, 2013 as the fair value of approximately $1,495,000 exceeded the carrying value of approximately $1,218,000.

    The Company evaluates goodwill for impairment on an annual basis, or more often if events or circumstances indicate there may be impairment.  The fair value of each reporting unit is compared to the carrying amount of that reporting unit in order to determine if impairment is indicated.  If so, the implied fair value of the reporting unit’s goodwill is compared to its carrying amount and the impairment loss is measured by the excess of the carrying value of the goodwill over fair value of the goodwill.  In such situations, the Company performs a discounted cash flow modeling technique that requires management to make estimates regarding the amount and timing of expected future cash flows of the assets and liabilities of the reporting unit that enable the Company to calculate the implied fair value of the goodwill.  It also requires use of a discount rate that reflects the current return expectation of the market in relation to present risk-free interest rates, expected equity market premiums, peer volatility indicators and company-specific risk indicators.  The Company did not recognize an impairment charge during 2013 or 2012.

    The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of December 31, 2013 are as follows:

    (000's omitted)
    		 
    Fair Value
    		 
    Valuation Technique
    Significant Unobservable Inputs
    		 
    Input Range
    (Weighted Average)
    		 
           
    Other real estate owned
    		  
    5,060
    		 
    Fair value of collateral
    Estimated cost of disposal/market adjustment
    		  
    11.0% - 54.4% (28.1
    %)
               
    Commitments to originate
      real estate loans for sale
    		  
    44
    		 
    Discounted cash flow
    Embedded servicing value
    		  
    1
    %

    The significant unobservable inputs used in the determination of fair value of assets classified as Level 3 on a recurring or non-recurring basis as of December 31, 2012 are as follows:

    (000's omitted)
    		 
    Fair Value
    		 
    Valuation Technique
    Significant Unobservable Inputs
    		 
    Significant Unobservable Input Range
    (Weighted Average)
    		 
           
    Pooled trust preferred securities
    		 
    $
    49,600
    		 
    Consensus pricing
    Weighting of offered quotes   
    		  
    65.3% - 85.1% (78.4
    %)
               
    Impaired loans
    		  
    1,186
    		 
    Fair value of collateral
    Estimated cost of disposal/market adjustment   
    		  
    25.0% - 50.0% (27.5
    %)
               
    Other real estate owned
    		  
    4,788
    		 
    Fair value of collateral
    Estimated cost of disposal/market adjustment   
    		  
    11.0% - 60.2% (19.9
    %)
               
    Mortgage servicing rights
    		  
    1,028
    		 
    Discounted cash flow
    Weighted average constant prepayment rate   
    		  
    1.1% - 39.6% (34.4
    %)
            
    Discount rate   
    		  2.5% - 3.3% (3.1%)
            
    Adequate compensation   
    		 $7/loan  
     

    The Company determines fair values based on quoted market values, where available, estimates of present values, or other valuation techniques.  Those techniques are significantly affected by the assumptions used, including, but not limited to, the discount rate and estimates of future cash flows.  In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, may not be realized in immediate settlement of the instrument.  Certain financial instruments and all nonfinancial instruments are excluded from fair value disclosure requirements.  Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company.
     
    The carrying amounts and estimated fair values of the Company’s other financial instruments that are not accounted for at fair value at December 31, 2013 and 2012 are as follows:
     
       
    December 31, 2013
    		  
    December 31, 2012
    		 
       
    Carrying
    		  
    Fair
    		  
    Carrying
    		  
    Fair
    		 
    (000's omitted)
    		 
    Value
    		  
    Value
    		  
    Value
    		  
    Value
    		 
    Financial assets:
    		        
       Net loans
    		 
    $
    4,064,764
    		  
    $
    4,044,449
    		  
    $
    3,822,688
    		  
    $
    3,881,354
    		 
    Financial liabilities:
    		                
       Deposits
    		  
    5,896,044
    		   
    5,898,138
    		   
    5,628,039
    		   
    5,635,320
    		 
       Borrowings
    		  
    141,913
    		   
    141,913
    		   
    728,061
    		   
    820,377
    		 
       Subordinated debt held by unconsolidated subsidiary trusts
    		  
    102,097
    		   
    109,284
    		   
    102,073
    		   
    97,899
    		 

    The following is a further description of the principal valuation methods used by the Company to estimate the fair values of its financial instruments.
     
    Loans have been classified as a Level 3 valuation.  Fair values for variable rate loans that reprice frequently are based on carrying values.  Fair values for fixed rate loans are estimated using discounted cash flows and interest rates currently being offered for loans with similar terms to borrowers of similar credit quality.

    Deposits have been classified as a Level 2 valuation.  The fair value of demand deposits, interest-bearing checking deposits, savings accounts and money market deposits is the amount payable on demand at the reporting date.  The fair value of time deposit obligations are based on current market rates for similar products.

    Borrowings have been classified as a Level 2 valuation.  Fair values for long-term borrowings are estimated using discounted cash flows and interest rates currently being offered on similar borrowings.

    Subordinated debt held by unconsolidated subsidiary trusts have been classified as a Level 2 valuation.   The fair value of subordinated debt held by unconsolidated subsidiary trusts are estimated using discounted cash flows and interest rates currently being offered on similar securities.

    Other financial assets and liabilities – Cash and cash equivalents have been classified as a Level 1 valuation, while accrued interest receivable and accrued interest payable have been classified as a Level 2 valuation.  The fair values of each approximate the respective carrying values because the instruments are payable on demand or have short-term maturities and present relatively low credit risk and interest rate risk.
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Element cbu_BusinessAcquisitionPurchasePriceAllocationLoans had a mix of decimals attribute values: -5 -3. Element cbu_BusinessCombinationDepositPremiumPaid had a mix of decimals attribute values: -6 -5. Element cbu_FairValueAssetsSignificantUnobservableInputRangeMaximum had a mix of decimals attribute values: 1 3. Element cbu_FairValueAssetsSignificantUnobservableInputRangeMinimum had a mix of decimals attribute values: 2 3. Element us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsMarketableSecurities had a mix of decimals attribute values: -5 -3. Element us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesLongTermDebt had a mix of decimals attribute values: -5 -3. Element us-gaap_DebtInstrumentFaceAmount had a mix of decimals attribute values: -6 -5. 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Process Flow-Through: 010000 - Statement - CONSOLIDATED STATEMENTS OF CONDITION Process Flow-Through: Removing column 'Dec. 31, 2011' Process Flow-Through: Removing column 'Dec. 31, 2010' Process Flow-Through: 010100 - Statement - CONSOLIDATED STATEMENTS OF CONDITION (Parenthetical) Process Flow-Through: 020000 - Statement - CONSOLIDATED STATEMENTS OF INCOME Process Flow-Through: 030000 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME Process Flow-Through: 040100 - Statement - CONSOLIDATED STATEMENT OF CHANGES IN SHAREHOLDERS' EQUITY (Parenthetical) Process Flow-Through: 050000 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS Process Flow-Through: 050100 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS (Parenthetical) cbu-20131231.xml cbu-20131231.xsd cbu-20131231_cal.xml cbu-20131231_def.xml cbu-20131231_lab.xml cbu-20131231_pre.xml true true XML 97 R74.htm IDEA: XBRL DOCUMENT v2.4.0.8
    FAIR VALUE, Unobservable Input Reconciliation (Details) (USD $)
    In Thousands, unless otherwise specified
    		 12 Months Ended
    Dec. 31, 2013
    Dec. 31, 2012
    Level 3 Assets Measured at Fair Value on a Recurring Basis [Abstract]    
    Beginning balance $ 49,600  
    Total gains/(losses) included in earnings (15,450) [1],[2]  
    Total gains/(losses) included in other comprehensive income 12,379 [3]  
    Principal reductions (5,944)  
    Sales (40,834)  
    Commitments to originate real estate loans held for sale, net 293  
    Ending balance 44  
    Pooled Trust Preferred Securities [Member]
    		    
    Level 3 Assets Measured at Fair Value on a Recurring Basis [Abstract]    
    Beginning balance 49,600 43,846
    Total gains/(losses) included in earnings (15,201) [1],[2] 220 [1],[2]
    Total gains/(losses) included in other comprehensive income 12,379 [3] 11,890 [3]
    Principal reductions (5,944) (6,356)
    Sales (40,834) 0
    Commitments to originate real estate loans held for sale, net 0 0
    Ending balance 0 49,600
    Commitments to Originate Real Estate Loans for Sale [Member]
    		    
    Level 3 Assets Measured at Fair Value on a Recurring Basis [Abstract]    
    Beginning balance 0  
    Total gains/(losses) included in earnings (249) [1],[2]  
    Total gains/(losses) included in other comprehensive income 0 [3]  
    Principal reductions 0  
    Sales 0  
    Commitments to originate real estate loans held for sale, net 293  
    Ending balance $ 44  
    [1] Amounts included in earnings associated with the pooled trust preferred securities relate to accretion of related discount and are reported in interest and dividends on taxable investments.
    [2] Amounts included in earnings associated with the commitments to originate real estate loans for sale are reported as a component of other banking services in the Consolidated Statement of Income.
    [3] Amounts included in other comprehensive income associated with the pooled trust preferred securities  relate to changes in unrealized loss and are reported as a component of unrealized gains on securities in the Statement of Comprehensive Income.
    XML 98 R38.htm IDEA: XBRL DOCUMENT v2.4.0.8
    INCOME TAXES (Tables)
    		 12 Months Ended
    Dec. 31, 2013
    INCOME TAXES [Abstract]  
    Provision for income taxes
    The Company provides a qualified defined benefit pension to qualified employees and retirees, and other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors.  Using a measurement date of December 31, the following table shows the funded status of the Company's plans reconciled with amounts reported in the Company's consolidated statements of condition:
     
       
    Pension Benefits
    		  
    Post-retirement Benefits
    		 
    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2013
    		  
    2012
    		 
    Change in benefit obligation:
    		        
      Benefit obligation at the beginning of year
    		 
    $
    123,739
    		  
    $
    112,857
    		  
    $
    3,051
    		  
    $
    3,352
    		 
      Service cost
    		  
    3,988
    		   
    3,392
    		   
    0
    		   
    0
    		 
      Interest cost
    		  
    4,120
    		   
    4,393
    		   
    88
    		   
    114
    		 
      Participant contributions
    		      
    0
    		   
    608
    		   
    502
    		 
      Deferred actuarial loss (gain)
    		  
    (14,610
    )
    		  
    9,352
    		   
    (301
    )
    		  
    (72
    )
      Benefits paid
    		  
    (6,063
    )
    		  
    (6,255
    )
    		  
    (1,106
    )
    		  
    (845
    )
    Benefit obligation at end of year
    		  
    111,174
    		   
    123,739
    		   
    2,340
    		   
    3,051
    		 
    Change in plan assets:
    		                
      Fair value of plan assets at beginning of year
    		  
    143,661
    		   
    126,309
    		   
    0
    		   
    0
    		 
      Actual return of plan assets
    		  
    25,196
    		   
    10,992
    		   
    0
    		   
    0
    		 
      Participant contributions
    		  
    0
    		   
    0
    		   
    608
    		   
    502
    		 
      Employer contributions
    		  
    10,622
    		   
    12,615
    		   
    498
    		   
    343
    		 
      Benefits paid
    		  
    (6,063
    )
    		  
    (6,255
    )
    		  
    (1,106
    )
    		  
    (845
    )
    Fair value of plan assets at end of year
    		  
    173,416
    		   
    143,661
    		   
    0
    		   
    0
    		 
    Over/(Under) funded status at year end
    		 
    $
    62,242
    		  
    $
    19,922
    		  
    $ 
    (2,340
    )
    		 
    $ 
    (3,051
    )
                     
    Amounts recognized in the consolidated balance sheet were:
    		 
       Other assets
    		 
    $
    73,790
    		  
    $
    32,135
    		  
    $
    0
    		  
    $
    0
    		 
       Other liabilities
    		  
    (11,548
    )
    		  
    (12,213
    )
    		  
    (2,340
    )
    		  
    (3,051
    )
                     
    Amounts recognized in accumulated other comprehensive income (loss) (“AOCI”) were:
    		 
       Net loss (gain)
    		 
    $
    12,905
    		  
    $
    47,321
    		  
    $ 
    (25
    )
    		 
    $
    288
    		 
       Net prior service cost (credit)
    		  
    797
    		   
    141
    		   
    (2,338
    )
    		  
    (2,517
    )
       Pre-tax AOCI
    		  
    13,702
    		   
    47,462
    		   
    (2,363
    )
    		  
    (2,229
    )
       Taxes
    		  
    (5,095
    )
    		  
    (18,296
    )
    		  
    901
    		   
    848
    		 
        AOCI at year end
    		 
    $
    8,607
    		  
    $
    29,166
    		  
    $ 
    (1,462
    )
    		 
    $ 
    (1,381
    )
    Components of the net deferred tax liability
    Components of the net deferred tax liability, included in other liabilities, as of December 31 are as follows:

    (000's omitted)
    		 
    2013
    		  
    2012
    		 
    Allowance for loan losses
    		 
    $
    17,246
    		  
    $
    16,755
    		 
    Employee benefits
    		  
    6,329
    		   
    6,748
    		 
    Investment securities
    		  
    4,882
    		   
    0
    		 
    Debt extinguishment
    		  
    1,215
    		   
    1,517
    		 
    Other
    		  
    1,799
    		   
    2,292
    		 
      Deferred tax asset
    		  
    31,471
    		   
    27,312
    		 
             
    Investment securities
    		  
    0
    		   
    58,824
    		 
    Intangible assets, net
    		  
    22,095
    		   
    16,648
    		 
    Loan origination costs
    		  
    6,883
    		   
    6,069
    		 
    Depreciation
    		  
    4,838
    		   
    5,138
    		 
    Mortgage servicing rights
    		  
    473
    		   
    399
    		 
    Pension
    		  
    21,735
    		   
    5,481
    		 
      Deferred tax liability
    		  
    56,024
    		   
    92,559
    		 
    Net deferred tax liability
    		 
    $ 
    (24,553
    )
    		 
    $ 
    (65,247
    )
    Income tax rate reconciliation
    A reconciliation of the differences between the federal statutory income tax rate and the effective tax rate for the years ended December 31 is shown in the following table:
     
      
    2013
    		  
    2012
    		  
    2011
    		 
    Federal statutory income tax rate
    		  
    35.0
    %
    		  
    35.0
    %
    		  
    35.0
    %
    Increase (reduction) in taxes resulting from:
    		            
         Tax-exempt interest
    		  
    (6.3
    )
    		  
    (7.1
    )
    		  
    (7.1
    )
         State income taxes, net of federal benefit
    		  
    1.3
    		   
    2.3
    		   
    1.6
    		 
         Other
    		  
    (1.0
    )
    		  
    (1.0
    )
    		  
    (0.1
    )
    Effective income tax rate
    		  
    29.0
    %
    		  
    29.2
    %
    		  
    29.4
    %
    Reconciliation of unrecognized tax benefits
    A reconciliation of the unrecognized tax benefits for the years ended December 31 is shown in the following table:
     
    (000’s omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		 
    Unrecognized tax benefits at beginning of year
    		 
    $
    70
    		  
    $
    133
    		  
    $
    98
    		 
    Changes related to:
    		            
         Positions taken during the current year
    		  
    68
    		   
    35
    		   
    35
    		 
         Settlements with taxing authorities
    		  
    0
    		   
    (98
    )
    		  
    0
    		 
         Lapse of statutes of limitation
    		  
    0
    		   
    0
    		   
    0
    		 
    Unrecognized tax benefits at end of year
    		 
    $
    138
    		  
    $
    70
    		  
    $
    133
    		 
    XML 99 R20.htm IDEA: XBRL DOCUMENT v2.4.0.8
    BENEFIT PLANS
    		 12 Months Ended
    Dec. 31, 2013
    BENEFIT PLANS [Abstract]  
    BENEFIT PLANS
    NOTE K:  BENEFIT PLANS

    Pension and post-retirement plans
    The Company provides a qualified defined benefit pension to qualified employees and retirees, and other post-retirement health and life insurance benefits to certain retirees, an unfunded supplemental pension plan for certain key executives, and an unfunded stock balance plan for certain of its nonemployee directors.  Using a measurement date of December 31, the following table shows the funded status of the Company's plans reconciled with amounts reported in the Company's consolidated statements of condition:
     
       
    Pension Benefits
    		  
    Post-retirement Benefits
    		 
    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2013
    		  
    2012
    		 
    Change in benefit obligation:
    		        
      Benefit obligation at the beginning of year
    		 
    $
    123,739
    		  
    $
    112,857
    		  
    $
    3,051
    		  
    $
    3,352
    		 
      Service cost
    		  
    3,988
    		   
    3,392
    		   
    0
    		   
    0
    		 
      Interest cost
    		  
    4,120
    		   
    4,393
    		   
    88
    		   
    114
    		 
      Participant contributions
    		      
    0
    		   
    608
    		   
    502
    		 
      Deferred actuarial loss (gain)
    		  
    (14,610
    )
    		  
    9,352
    		   
    (301
    )
    		  
    (72
    )
      Benefits paid
    		  
    (6,063
    )
    		  
    (6,255
    )
    		  
    (1,106
    )
    		  
    (845
    )
    Benefit obligation at end of year
    		  
    111,174
    		   
    123,739
    		   
    2,340
    		   
    3,051
    		 
    Change in plan assets:
    		                
      Fair value of plan assets at beginning of year
    		  
    143,661
    		   
    126,309
    		   
    0
    		   
    0
    		 
      Actual return of plan assets
    		  
    25,196
    		   
    10,992
    		   
    0
    		   
    0
    		 
      Participant contributions
    		  
    0
    		   
    0
    		   
    608
    		   
    502
    		 
      Employer contributions
    		  
    10,622
    		   
    12,615
    		   
    498
    		   
    343
    		 
      Benefits paid
    		  
    (6,063
    )
    		  
    (6,255
    )
    		  
    (1,106
    )
    		  
    (845
    )
    Fair value of plan assets at end of year
    		  
    173,416
    		   
    143,661
    		   
    0
    		   
    0
    		 
    Over/(Under) funded status at year end
    		 
    $
    62,242
    		  
    $
    19,922
    		  
    $ 
    (2,340
    )
    		 
    $ 
    (3,051
    )
                     
    Amounts recognized in the consolidated balance sheet were:
    		 
       Other assets
    		 
    $
    73,790
    		  
    $
    32,135
    		  
    $
    0
    		  
    $
    0
    		 
       Other liabilities
    		  
    (11,548
    )
    		  
    (12,213
    )
    		  
    (2,340
    )
    		  
    (3,051
    )
                     
    Amounts recognized in accumulated other comprehensive income (loss) (“AOCI”) were:
    		 
       Net loss (gain)
    		 
    $
    12,905
    		  
    $
    47,321
    		  
    $ 
    (25
    )
    		 
    $
    288
    		 
       Net prior service cost (credit)
    		  
    797
    		   
    141
    		   
    (2,338
    )
    		  
    (2,517
    )
       Pre-tax AOCI
    		  
    13,702
    		   
    47,462
    		   
    (2,363
    )
    		  
    (2,229
    )
       Taxes
    		  
    (5,095
    )
    		  
    (18,296
    )
    		  
    901
    		   
    848
    		 
        AOCI at year end
    		 
    $
    8,607
    		  
    $
    29,166
    		  
    $ 
    (1,462
    )
    		 
    $ 
    (1,381
    )

    The benefit obligation for the defined benefit pension plan was $99.6 million and $111.5 million as of December 31, 2013 and 2012, respectively, and the fair value of plan assets as of December 31, 2013 and 2012 was $173.4 million and $143.7 million, respectively.

    The Company has unfunded supplemental pension plans for certain key active and retired executives.  The projected benefit obligation for the unfunded supplemental pension plan for certain key executives was $11.4 million for 2013 and $12.0 million for 2012, respectively.  The Company also has an unfunded stock balance plan for certain of its nonemployee directors.  The projected benefit obligation for the unfunded stock balance plan was $0.1 million for 2013 and $0.2 million for 2012, respectively.  The plan was frozen effective December 31, 2009.

    Effective December 31, 2009, the Company terminated its post-retirement medical program for current and future employees.  Remaining plan participants will include only existing retirees as of December 31, 2010.  This change was accounted for as a negative plan amendment and a $3.5 million, net of income taxes, benefit for prior service was recognized in AOCI in 2009.  This negative plan amendment is being amortized over the expected benefit utilization period of remaining plan participants.
     
    Amounts recognized in accumulated other comprehensive income, net of tax, for the year ended December 31, are as follows:
     
       
    Pension Benefits
    		  
    Post-retirement Benefits
    		 
    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2013
    		  
    2012
    		 
    Prior service cost
    		 
    $ 
    (46
    )
    		 
    $
    90
    		  
    $
    109
    		  
    $
    503
    		 
    Net (gain) loss
    		  
    (20,513
    )
    		  
    2,368
    		   
    (190
    )
    		  
    (51
    )
         Total
    		 
    $ 
    (20,559
    )
    		 
    $
    2,458
    		  
    $ 
    (81
    )
    		 
    $
    452
    		 

    The estimated costs, net of tax, that will be amortized from accumulated other comprehensive (income) loss into net periodic (income) cost over the next fiscal year are as follows:

       
    Pension
    		  
    Post-retirement
    		 
    (000's omitted)
    		 
    Benefits
    		  
    Benefits
    		 
    Prior service credit
    		 
    $
    5
    		  
    $ 
    (179
    )
    Net loss
    		  
    (308
    )
    		  
    1
    		 
         Total
    		 
    $ 
    (303
    )
    		 
    $ 
    (178
    )

    The weighted-average assumptions used to determine the benefit obligations as of December 31 are as follows:

       
    Pension Benefits
    		  
    Post-retirement Benefits
    		 
      
    2013
    		  
    2012
    		  
    2013
    		  
    2012
    		 
    Discount rate
    		  
    5.00
    %
    		  
    3.40
    %
    		  
    4.80
    %
    		  
    3.20
    %
    Expected return on plan assets
    		  
    7.00
    %
    		  
    7.00
    %
    		  
    N/
    A
    		  
    N/
    A
    Rate of compensation increase
    		  
    3.50
    %
    		  
    3.50
    %
    		  
    N/
    A
    		  
    N/
    A

    The net periodic benefit cost as of December 31 is as follows:

       
    Pension Benefits
    		  
    Post-retirement Benefits
    		 
    (000's omitted)
    		 
    2013
    		  
    2012
    		  
    2011
    		  
    2013
    		  
    2012
    		  
    2011
    		 
    Service cost
    		 
    $
    3,988
    		  
    $
    3,392
    		  
    $
    2,959
    		  
    $
    0
    		  
    $
    0
    		  
    $
    0
    		 
    Interest cost
    		  
    4,120
    		   
    4,393
    		   
    4,497
    		   
    88
    		   
    114
    		   
    153
    		 
    Expected return on plan assets
    		  
    (10,149
    )
    		  
    (9,196
    )
    		  
    (8,097
    )
    		  
    0
    		   
    0
    		   
    0
    		 
    Amortization of unrecognized net loss
    		  
    4,028
    		   
    3,687
    		   
    2,362
    		   
    12
    		   
    11
    		   
    8
    		 
    Amortization of prior service cost
    		  
    75
    		   
    (147
    )
    		  
    (149
    )
    		  
    (179
    )
    		  
    (822
    )
    		  
    (1,057
    )
    Net periodic benefit cost
    		 
    $
    2,062
    		  
    $
    2,129
    		  
    $
    1,572
    		  
    $ 
    (79
    )
    		 
    $ 
    (697
    )
    		 
    $ 
    (896
    )

    Prior service costs in which all or almost all of the plan’s participants are fully eligible for benefits under the plan are amortized on a straight-line basis over the expected future working years of all active plan participants.  Unrecognized gains or losses are amortized using the “corridor approach”, which is the minimum amortization required. Under the corridor approach, the net gain or loss in excess of 10 percent of the greater of the projected benefit obligation or the market-related value of the assets is amortized on a straight-line basis over the expected future working years of all active plan participants.

    The weighted-average assumptions used to determine the net periodic pension cost for the years ended December 31 are as follows:
     
       
    Pension Benefits
    		  
    Post-retirement Benefits
    		 
      
    2013
    		  
    2012
    		  
    2011
    		  
    2013
    		  
    2012
    		  
    2011
    		 
    Discount rate
    		  
    3.40
    %
    		  
    4.10
    %
    		  
    4.40
    %
    		  
    3.20
    %
    		  
    3.90
    %
    		  
    4.50
    %
    Expected return on plan assets
    		  
    7.00
    %
    		  
    7.50
    %
    		  
    7.50
    %
    		  
    N/
    A
    		  
    N/
    A
    		  
    N/
    A
    Rate of compensation increase
    		  
    3.50
    %
    		  
    4.00
    %
    		  
    4.00
    %
    		  
    N/
    A
    		  
    N/
    A
    		  
    N/
    A
     
    The amount of benefit payments that are expected to be paid over the next ten years are as follows:

       
    Pension
    		  
    Post-retirement
    		 
    (000's omitted)
    		 
    Benefits
    		  
    Benefits
    		 
    2014
    		 
    $
    6,021
    		  
    $
    230
    		 
    2015
    		  
    7,396
    		   
    220
    		 
    2016
    		  
    7,882
    		   
    196
    		 
    2017
    		  
    8,110
    		   
    194
    		 
    2018
    		  
    8,132
    		   
    192
    		 
    2019-2023
    		  
    48,507
    		   
    811
    		 

    The payments reflect future service and are based on various assumptions including retirement age and form of payment (lump-sum versus annuity). Actual results may differ from these estimates.

    The assumed discount rate is used to reflect the time value of future benefit obligations.  The discount rate was determined based upon the yield on high-quality fixed income investments expected to be available during the period to maturity of the pension benefits.  This rate is sensitive to changes in interest rates.  A decrease in the discount rate would increase the Company’s obligation and future expense while an increase would have the opposite effect.   The expected long-term rate of return was estimated by taking into consideration asset allocation, reviewing historical returns on the type of assets held and current economic factors.  The appropriateness of the assumptions is reviewed annually.

    Plan Assets
    The investment objective for the defined benefit pension plan is to achieve an average annual total return over a five-year period equal to the assumed rate of return used in the actuarial calculations.  At a minimum performance level, the portfolio should earn the return obtainable on high quality intermediate-term bonds.  The Company’s perspective regarding portfolio assets combines both preservation of capital and moderate risk-taking.   Asset allocation favors equities, with a target allocation of approximately 60% equity securities and 40% fixed income securities.  In order to diversify the risk within the pension portfolio, the pension committee authorized that up to 15% of the assets may be in alternative investments, which are primarily hedge funds.  No more than 10% of the portfolio can be in stock of the Company.  Due to the volatility in the market, the target allocation is not always desirable and asset allocations will fluctuate between acceptable ranges.  Prohibited transactions include purchase of securities on margin, uncovered call options, and short sale transactions.

    The fair values of the Company’s defined benefit pension plan assets at December 31, 2013 by asset category are as follows:

     
     
     
    Asset category (000’s omitted)
    		 
    Quoted Prices
    in Active
    Markets for
    Identical
    Assets Level 1
    		  
    Significant
    Observable
    Inputs
    Level 2
    		  
    Significant
    Unobservable
    Inputs
    Level 3
    		  
    Total
    		 
             
    Money Market Accounts
    		 
    $
    709
    		  
    $
    10,231
    		  
    $
    0
    		  
    $
    10,940
    		 
    Equity securities:
    		                
         U.S. large-cap
    		  
    50,513
    		   
    0
    		   
    0
    		   
    50,513
    		 
         U.S mid/small cap
    		  
    19,308
    		   
    0
    		   
    0
    		   
    19,308
    		 
         CBSI stock
    		  
    9,913
    		   
    0
    		   
    0
    		   
    9,913
    		 
         International
    		  
    33,485
    		   
    0
    		   
    0
    		   
    33,485
    		 
       
    113,219
    		   
    0
    		   
    0
    		   
    113,219
    		 
                     
    Fixed income securities:
    		                
         Government securities
    		  
    7,676
    		   
    6,814
    		   
    0
    		   
    14,490
    		 
         Investment grade bonds
    		  
    17,400
    		   
    0
    		   
    0
    		   
    17,400
    		 
         International bonds
    		  
    2,712
    		   
    0
    		   
    0
    		   
    2,712
    		 
         High yield(b)
    		  
    14,243
    		   
    0
    		   
    0
    		   
    14,243
    		 
       
    42,031
    		   
    6,814
    		   
    0
    		   
    48,845
    		 
                     
    Other types of investments:
    		                
        Alternative investments (c)
    		  
    0
    		   
    77
    		   
    0
    		   
    77
    		 
                     
    Total (d)
    		 
    $
    155,959
    		  
    $
    17,122
    		  
    $
    0
    		  
    $
    173,081
    		 
     
    The fair values of the Company’s defined benefit pension plan assets at December 31, 2012 by asset category are as follows:

     
     
     
    Asset category (000’s omitted)
    		 
    Quoted Prices
    in Active
    Markets for
    Identical
    Assets Level 1
    		  
    Significant
    Observable
    Inputs
    Level 2
    		  
    Significant
    Unobservable
    Inputs
    Level 3
    		  
    Total
    		 
             
    Money Market Accounts
    		 
    $
    410
    		  
    $
    19,977
    		  
    $
    0
    		  
    $
    20,387
    		 
    Equity securities:
    		                
         U.S. large-cap
    		  
    40,547
    		   
    0
    		   
    0
    		   
    40,547
    		 
         U.S mid/small cap
    		  
    10,311
    		   
    0
    		   
    0
    		   
    10,311
    		 
         CBSI stock
    		  
    11,486
    		   
    0
    		   
    0
    		   
    11,486
    		 
         International
    		  
    22,428
    		   
    0
    		   
    0
    		   
    22,428
    		 
         Commodities (a)
    		  
    2,735
    		   
    0
    		   
    0
    		   
    2,735
    		 
       
    87,507
    		   
    0
    		   
    0
    		   
    87,507
    		 
                     
    Fixed income securities:
    		                
         Government securities
    		  
    5,383
    		   
    8,269
    		   
    0
    		   
    13,652
    		 
         Investment grade bonds
    		  
    10,517
    		   
    0
    		   
    0
    		   
    10,517
    		 
         High yield(b)
    		  
    11,516
    		   
    0
    		   
    0
    		   
    11,516
    		 
       
    27,416
    		   
    8,269
    		   
    0
    		   
    35,685
    		 
                     
    Other types of investments:
    		                
        Alternative investments (c)
    		  
    0
    		   
    82
    		   
    0
    		   
    82
    		 
                     
    Total (d)
    		 
    $
    115,333
    		  
    $
    28,328
    		  
    $
    0
    		  
    $
    143,661
    		 
     
    (a)  
    This category includes investments in exchange-traded funds reflecting the performance of an underlying commodity index.
    (b)  
    This category is exchange-traded funds representing a diversified index of high yield corporate bonds.
    (c)  This category is comprised of non-traditional investment classes including private equity funds and alternative exchange funds.
    (d)  
    Excludes dividends and interest receivable totaling $335,000 and $352,000 at December 31, 2013 and 2012, respectively.

    The Company makes contributions to its funded qualified pension plan as required by government regulation or as deemed appropriate by management after considering the fair value of plan assets, expected return on such assets, and the value of the accumulated benefit obligation.  The Company made a contribution to its defined benefit pension plan of $10 million during the third quarter of 2013.  The Company funds the payment of benefit obligations for the supplemental pension and post-retirement plans because such plans do not hold assets for investment.

    Tupper Lake National Bank (“TLNB”), acquired in 2007, participated in the Pentegra Defined Benefit Plan for Financial Institutions (“Pentegra DB Plan”), a multi-employer tax qualified defined benefit pension plan.  The identification number and plan number of the Pentegra DB Plan are 13-5645888 and 333, respectively. All employees of TLNB who met minimum service requirements participated in the plan.  As of June 30, 2012, the Pentegra DB Plan had total assets of $2.8 billion, actuarial present value of accumulated benefits of $3.0 billion and was at least 80 percent funded.  The assets of the multi-employer plan may be used to satisfy obligations of any of the employers participating in the plan.  As a result, contributions made by the Company may be used to provide benefits to participants of other participating employers.  Contributions for 2013, 2012 and 2011 were $22,000, $53,000 and $131,000, respectively. Contributions made by the Company to the Pentegra DB Plan do not represent more than 5% of contributions made to the Pentegra DB Plan.

    The assumed health care cost trend rate used in the post-retirement health plan at December 31, 2013 was 7.50% for the pre-65 participants and 5.80% for the post-65 participants for medical costs and 6.25% for prescription drugs.  The rate to which the cost trend rate is assumed to decline (the ultimate trend rate) and the year that the rate reaches the ultimate trend rate is 5.0% and 2021, respectively.

    Assumed health care cost trend rates impact the amounts reported for the health care plan.  A one-percentage-point increase in the trend rate would increase the service and interest cost components by $200 and increase the benefit obligation by $5,000.  A one-percentage-point decrease in the trend rate would decrease the service and interest cost components by $200 and decrease the benefit obligation by $6,000.
     
    401(k) Employee Stock Ownership Plan
    The Company has a 401(k) Employee Stock Ownership Plan in which employees can contribute from 1% to 90% of eligible compensation, with the first 3% being eligible for a 100% matching contribution in the form of Company common stock and the next 3% being eligible for a 50% matching contributions in the form of Company common stock.  The expense recognized under this plan for the years ended December 31, 2013, 2012 and 2011 was $3,215,000, $2,956,000, and $2,752,000, respectively.  Effective January 1, 2010 the defined benefit pension plan was modified to a new plan design that includes an interest credit contribution to be made to the 401(k) plan.  The expense recognized for this interest credit contribution for the years ended December 31, 2013, 2012 and 2011 was $650,000, $419,000 and $203,000, respectively.

    Other Deferred Compensation Arrangements
    In addition to the supplemental pension plans for certain executives, the Company has nonqualified deferred compensation arrangements for several former directors, officers and key employees.  All benefits provided under these plans are unfunded and payments to plan participants are made by the Company.  At December 31, 2013 and 2012, the Company has recorded a liability of $4,238,000 and $4,729,000, respectively.  The (income)/expense recognized under these plans for the years ended December 31, 2013, 2012, and 2011 was ($52,000), $439,000, and $584,000, respectively.

    Deferred Compensation Plan for Directors
    Directors may defer all or a portion of their director fees under the Deferred Compensation Plan for Directors.  Under this plan, there is a separate account for each participating director which is credited with the amount of shares that could have been purchased with the director’s fees as well as any dividends on such shares.  On the distribution date, the director will receive common stock equal to the accumulated share balance in his account.  As of December 31, 2013 and 2012, there were 153,396 and 146,298 shares credited to the participants’ accounts, for which a liability of $3,424,000 and $3,117,000 was accrued, respectively.  The expense recognized under the plan for the years ended December 31, 2013, 2012 and 2011, was $162,000, $148,000, and $125,000, respectively.