0000763563-14-000057.txt : 20140314 0000763563-14-000057.hdr.sgml : 20140314 20140314161914 ACCESSION NUMBER: 0000763563-14-000057 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20131231 FILED AS OF DATE: 20140314 DATE AS OF CHANGE: 20140314 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CHEMUNG FINANCIAL CORP CENTRAL INDEX KEY: 0000763563 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 161237038 STATE OF INCORPORATION: NY FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-35741 FILM NUMBER: 14694703 BUSINESS ADDRESS: STREET 1: ONE CHEMUNG CANAL PLZ STREET 2: P O BOX 1522 CITY: ELMIRA STATE: NY ZIP: 14902 BUSINESS PHONE: 6077373711 MAIL ADDRESS: STREET 1: ONE CHEMUNG CANAL PLZ STREET 2: P O BOX 1522 CITY: ELMIRA STATE: NY ZIP: 14902 10-K 1 chmg10k12312013.htm CHEMUNG FINANCIAL CORPORATION 10-K DECEMBER 31, 2013 chmg10k12312013.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
OR
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 0-13888

CHEMUNG FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)
NEW YORK
  
16-123703-8
(State or other jurisdiction of incorporation or organization)
  
(I.R.S. Employer Identification No.)
One Chemung Canal Plaza, P.O. Box 1522, Elmira, New York
  
14902
(Address of principal executive offices)
  
(Zip Code)

Registrant's telephone number, including area code:  (607) 737-3711

Securities registered pursuant to Section 12(b) of the Act:
Title of each class
  
Name of each exchange on which registered
Common Stock, Par Value $0.01 Per Share
  
NASDAQ Stock Market, LLC
Securities registered pursuant to Section 12(g) of the Act:
(Title of Class)
None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.
YES o NO x

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 Web site, 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 is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.  x

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
o
Accelerated filer
x
Non-accelerated filer
o
Smaller Reporting Company
o

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).
YES o NO x

Based upon the closing price of the registrant's Common Stock as of June 30, 2013, the aggregate market value of the voting stock held by non-affiliates of the registrant was $117,114,195.

As of March 14, 2014, there were 4,614,382 shares of Common Stock, $0.01 par value, outstanding.

DOCUMENTS INCORPORATED BY REFERENCE
Portions of the Proxy Statement for the Annual Meeting of Shareholders to be held on May 8, 2014 are incorporated by reference into Part III, Items 10, 11, 12, 13, and 14 of this Form 10-K.

 
 
 

CHEMUNG FINANCIAL CORPORATION

ANNUAL REPORT ON FORM 10-K FOR THE FISCAL YEAR ENDED DECEMBER 31, 2013

Form 10-K Item Number:
  
Page No.
     
PART I
  
 1
     
Item 1.  Business
  
 1
Item 1A. Risk Factors
  
16
Item 1B. Unresolved Staff Comments
  
22
Item 2.  Properties
  
23
Item 3.  Legal Proceedings
  
23
Item 4.  Mine Safety Disclosures
  
23
     
PART II
  
24
     
Item 5.  Market for the Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
  
24
Item 6.  Selected Financial Data
  
26
Item 7.  Management's Discussion and Analysis of Financial Condition and Results of Operations
  
28
Item 7A. Quantitative and Qualitative Disclosures about Market Risk
  
50
Item 8.  Financial Statements and Supplementary Data
  
51
Item 9.  Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
  
51
Item 9A. Controls and Procedures
  
51
Item 9B. Other Information
  
52
     
PART III
  
53
     
Item 10. Directors, Executive Officers and Corporate Governance
  
53
Item 11. Executive Compensation
  
53
Item 12. Security Ownership of Certain Beneficial Owners and Management, and Related Stockholder Matters
  
53
Item 13. Certain Relationships and Related Transactions, and Director Independence
  
53
Item 14. Principal Accountant Fees and Services
  
53
     
PART IV
  
54
     
Item 15. Exhibits and Financial Statement Schedules
  
54
     
Index to Consolidated Financial Statements
  
56
     
Report of Independent Registered Public Accounting Firm-Crowe Horwath LLP
  
F-1
     
SIGNATURES
  
F-56

 
 
 

Some of the information contained in this report concerning the markets and industry in which we operate is derived from publicly available information and from industry sources.  Although we believe that this publicly available information and information provided by these industry sources are reliable, we have not independently verified the accuracy of any of this information.

To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in Part I.

FASB:  Financial Accounting Standards Board
OTTI:  Other-than-temporary impairment
FDIC:  Federal Deposit Insurance Corporation
PCI:  Purchased credit impaired
FHLBNY:  Federal Home Loan Bank of New York
SEC:  Securities and Exchange Commission
GAAP:  U.S. generally accepted accounting principles
CDO: Collateralized Debt Obligation

PART I
ITEM 1.  BUSINESS

General

Chemung Financial Corporation (the "Corporation") was incorporated on January 2, 1985 under the laws of the State of New York and is headquartered in Elmira, NY.  The Corporation was organized for the purpose of acquiring Chemung Canal Trust Company (the "Bank").  The Bank was established in 1833 under the name Chemung Canal Bank, and was subsequently granted a New York State bank charter in 1895.  In 1902, the Bank was reorganized as a New York State trust company under the name Elmira Trust Company, and its name was changed to Chemung Canal Trust Company in 1903.

The Corporation became a financial holding company in June, 2000.  Financial holding company status provided the Corporation with the flexibility to offer an array of financial services, such as insurance products, mutual funds, and brokerage services, which provide additional sources of fee based income and allow the Corporation to better serve its customers. The Corporation established a financial services subsidiary, CFS Group, Inc., in September 2001 which offers non-banking financial services such as mutual funds, annuities, brokerage services, insurance and tax preparation services.

The Corporation’s Board of Directors has concluded that the expansion of the franchise’s geographic footprint, an increase in the Bank’s earning assets and the generation of new sources of non-interest income are important components of its strategic plan.  Towards that end, in recent years it has completed the following transactions:

·  
On May 3, 2007, the Bank acquired the trust business of Partners Trust Bank, Utica, New York.  At the time of the acquisition, the Bank acquired $351.0 million in trust assets.

·  
On March 14, 2008, the Bank acquired three branches from Manufacturers and Traders Trust Company in the New York counties of Broome and Tioga.  At the time of the acquisition, the Bank assumed $64.4 million in deposits and acquired $12.6 million in loans.

·  
On May 29, 2009, the Corporation acquired Canton Bancorp, Inc., the holding company of Bank of Canton based in Canton, Pennsylvania.  At the time of the merger, Canton Bancorp, Inc. had $81.1 million in assets, $58.8 million in loans and $72.9 million in deposits.

·  
On April 8, 2011, the Corporation acquired Fort Orange Financial Corp. (“FOFC”), the holding company of Capital Bank & Trust Company (“Capital Bank”) based in Albany, New York.  At the time of the merger, Capital Bank had $254.4 million in assets, $170.7 million in loans and $199.2 million in deposits.

·  
On November 23, 2013, the Bank completed the acquisition of six branch offices from Bank of America located in Cayuga, Cortland, Seneca and Tompkins counties in New York.  As part of the transaction, the Corporation acquired $177.7 million in deposits and $1.2 million in loans.

 
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As a result of these transactions and organic growth, the Corporation had $1.476 billion in assets, $995.9 million in loans, $1.263 billion in deposits and $138.6 million in shareholders’ equity at December 31, 2013.

Growth Strategy

The Corporation’s growth strategy is to leverage its expanding branch network in current or new markets to build client relationships and grow loans and deposits.  Consistent with the Corporation’s community banking model, emphasis is placed on acquiring stable, low-cost deposits, primarily checking account deposits and other low interest-bearing deposits to fund high-quality loans.  Expanding the branch network involves branch purchases or opening de novo branches in contiguous markets and acquiring other financial institutions in the Northeast.  The Corporation evaluates acquisition targets based on the economic viability of the markets they are in, the degree to which they can be effectively integrated into the Corporation’s current operations and the degree to which they are accretive to capital and earnings.

Description of Business

The Corporation, through the Bank and CFS Group, Inc., provides a wide range of financial services, including demand, savings and time deposits, commercial, residential and consumer loans, letters of credit, wealth management services, employee benefit plans, securities and insurance brokerage services.  The Bank derives its income primarily from interest and fees on loans, interest on investment securities, Wealth Management Group fee income and fees received in connection with deposit and other services.  The Bank’s operating expenses are interest expense paid on deposits and borrowings, salaries and employee benefit plans and general operating expenses.

In order to compete with other financial services companies, the Corporation relies upon personal relationships established by its officers, employees and directors with our clients.  The Corporation has maintained a strong community orientation by supporting the active participation of officers and employees in local charitable, civic, school, religious and community development activities.  The Corporation believes that its emphasis on local relationship banking together with a prudent approach to lending, are important factors in its success and growth.

Lending Activities

Lending Strategy

The Corporation’s objective is to channel deposits gathered locally into high-quality, market-yielding loans without taking unacceptable credit and/or interest rate risk.  The Corporation seeks to have a diversified loan portfolio consisting of commercial and agricultural loans, commercial mortgages, residential mortgages, home equity lines of credit and home equity term loans, consumer and indirect auto loans.  The Bank operates with a traditional community bank model where the relationship manager possesses credit skills and has significant influence over credit decisions.  This creates value since clients and prospects know they are dealing with a decision maker.

Lending Authority

The Board of Directors establishes the lending policies, underwriting standards and loan approval limits of the Bank.  In accordance with those policies, the Board of Directors has designated certain officers to consider and approve loans within their designated authority.  These officers exercise substantial authority over credit and pricing decisions, subject to loan committee approval for larger credits.  The Bank recognizes that exceptions to the lending policies may occasionally occur and has established procedures for approving exceptions to these policies.

 
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In underwriting loans, primary emphasis is placed on the borrower’s financial condition, including ability to generate cash flow to support the debt and other cash expenses.  In addition, substantial consideration is given to collateral value and marketability as well as the borrower’s character, reputation and other relevant factors.  Interest rates charged by the Bank vary with degree of risk, type, size, complexity, repricing frequency and other relevant factors associated with the loans.  Competition from other financial services companies also impacts interest rates charged on loans.

The Corporation has also implemented reporting systems to monitor loan originations, loan quality, concentrations of credit, loan delinquencies, non-performing loans and potential problem loans.

Lending Segments

The Corporation segments its loan portfolio into the following major lending categories: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages and (iv) consumer loans.

Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in our market area in a diverse range of industries.  These loans are of higher risk and typically are made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  Further, the collateral securing the loans may depreciate over time, may be difficult to appraise and may fluctuate in value.  The credit risk related to commercial loans is largely influenced by general economic conditions and the resulting impact on a borrower’s operations or on the value of underlying collateral, if any.

Commercial mortgage loans generally have larger balances and involve a greater degree of risk than residential mortgage loans, and they therefore pose higher potential losses on an individual customer basis.  Loan repayment is often dependent on the successful operation and management of the properties and/or the businesses occupying the properties, as well as on the collateral securing the loan.  Economic events or conditions in the real estate market could have an adverse impact on the cash flows generated by properties securing the Company’s commercial real estate loans and on the value of such properties.

Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from his or her employment and other income, but are secured by real property whose value tends to be more easily ascertainable.  Credit risk for these types of loans is generally influenced by general economic conditions, the characteristics of individual borrowers and the nature of the loan collateral.

The consumer loan segment includes home equity lines of credit and home equity loans, which exhibit many of the same risk characteristics as residential mortgages.  Indirect and other consumer loans may entail greater credit risk than residential mortgage and home equity loans, particularly in the case of other consumer loans which are unsecured or, in the case of indirect consumer loans, secured by depreciable assets, such as automobiles or boats. In such cases, any repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance.  In addition, consumer loan collections are dependent on the borrower’s continuing financial stability, thus are more likely to be affected by adverse personal circumstances such as job loss, illness or personal bankruptcy.  Furthermore, the application of various federal and state laws, including bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans.

 
3
 


Funding Activities

Funding Strategy

The Corporation’s deposit strategy is to fund the Bank with stable, low-cost deposits, primarily checking account deposits and other low interest-bearing deposit accounts.  A checking account is the driver of a banking relationship and consumers consider the bank where they have their checking account as their primary bank.  These customers will typically turn to their primary bank first when in need of other financial services.  The Corporation also considers brokered deposits to be an element of its deposit strategy and anticipates that it will continue using brokered deposits as a secondary source of funding to support growth.  Borrowings may be used on a short-term basis for liquidity purposes or on a long-term basis to fund asset growth.

Funding Sources

The Corporation’s primary sources of funds are deposits, principal and interest payments on loans and securities, borrowings and funds generated from operations of the Bank.  The Bank also has access to advances from the FHLBNY, other financial institutions and the FRBNY.  Contractual loan payments are a relatively stable source of funds, while deposit inflows and outflows and loan prepayments are significantly influenced by general market interest rates and economic conditions.

The Corporation considers core deposits, consisting of non-interest-bearing and interest-bearing checking accounts, savings accounts, and insured money market accounts, to be a significant component of our deposits.  The Corporation monitors the activity on these core deposits and, based on historical experience and pricing strategy, believes it will continue to retain a large portion of such accounts.  The Bank is currently not limited with respect to the rates that it may offer on deposit products.  The Bank believes it is competitive in the types of accounts and interest rates it has offered on its deposit products.  The Bank regularly evaluates the internal cost of funds, surveys rates offered by competitors, reviews cash flow requirements for lending and liquidity, and executes rate changes when necessary as part of its asset/liability management, profitability and growth strategies.

The flow of deposits is influenced significantly by general economic conditions, changes in prevailing interest rates and competition.  The Bank’s deposits are obtained predominantly from the areas in which its retail offices are located.  The Bank relies primarily on customer service, long-standing relationships and other banking services, including loans and wealth management services, to attract and retain these deposits.  However, market interest rates and rates offered by competing financial institutions affect the Bank’s ability to attract and retain deposits.  The Bank uses traditional means of advertising its deposit products, including radio and print media.

Wealth Management Strategy

With $1.888 billion of assets under management or administration at year-end 2013, the Wealth Management Group is responsible for the largest component of non-interest income.  Wealth management services provided by the Bank include services as executor and trustee under wills and agreements, and guardian, custodian, trustee and agent for pension, profit-sharing and other employee benefit trusts, as well as various investment, pension, estate planning and employee benefit administrative services.  The Corporation’s growth strategy also includes the acquisition of trust businesses to generate new sources of fee income.

The Corporation offers an array of financial services including mutual funds, securities and insurance brokerage, tax preparation and other services through CFS Group Inc., its wholly owned subsidiary

For additional information, including information concerning the results of operations of the Corporation and its subsidiaries, see Management's Discussion and Analysis of Financial Condition and Results of Operations in Part II, Item 7.

 
4
 


There were no material changes in the manner of doing business by the Corporation or its subsidiaries during the fiscal year ended December 31, 2013.

Market Area and Competition

The Bank operates 34 branch offices located in 11 counties in New York and Bradford County in Pennsylvania.  Bank branch offices are located in the following New York counties:  Chemung, where the Bank is headquartered, Broome, Cayuga, Cortland, Schuyler, Seneca, Steuben, Tioga and Tompkins.  The Bank also operates under the name “Capital Bank, a division of Chemung Canal Trust Company”, with branch offices located in Albany and Saratoga counties in New York.

Albany and Saratoga counties rely heavily on business related to New York State government activities, the nanotechnology industry and colleges located within these counties.  Tompkins County is dominated by the presence of Cornell University and Ithaca College.  The world headquarters of Corning Incorporated, the region’s largest employer, is located in Steuben County.  The remaining New York counties have a combination of service, small manufacturing and tourism related businesses, with colleges located in Broome, Chemung and Cortland counties.

Within all these market areas, the Bank encounters intense competition in the lending and deposit gathering aspects of its business from local, regional and national commercial banks and thrift institutions, credit unions and other providers of financial services, such as brokerage firms, investment companies, insurance companies and internet banking institutions.  The Bank also competes with non-financial institutions, including retail stores and certain utilities that maintain their own credit programs, as well as governmental agencies that make loans to certain borrowers.  Many of these competitors are not subject to regulation as extensive as that affecting the Bank and, as a result, may have a competitive advantage over the Bank in certain respects. This is particularly true of credit unions because their pricing structure is not encumbered by the payment of income taxes.

Similarly, the competition for the Bank's wealth management services is primarily from local offices of national brokerage firms, independent investment advisors, national and regional banks as well as internet based brokerage/advisory firms.  The Bank operates full-service wealth management centers in Chemung and Broome counties in New York.

Employees

As of December 31, 2013, the Corporation and its subsidiaries employed 390 persons on a full-time equivalent basis.  None of the Corporation's employees are covered by collective bargaining agreements, and the Corporation believes that its relationship with its employees is good.

Available Information

The SEC maintains a web site at www.sec.gov that contains reports, proxy and information statements, and other information regarding the Corporation.  You may also read and copy materials we file with the SEC at the SEC's Public Reference Room at 100 F St., NE, Washington, D.C. 20549.  You may obtain information concerning the operation of the Public Reference Room by calling 1-800-SEC-0330.  In addition, we maintain a corporate web site at www.chemungcanal.com.  We make available free of charge through our web site our annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K and any amendments to those reports filed with the SEC pursuant to Section 13(a) or 15(d) of the Exchange Act.  These items are available as soon as reasonably practicable after we electronically file or furnish such material with the SEC. These items are also available on our web site as Interactive Data Files as required pursuant to Rule 405 of Regulation S-T (§232.405).  The contents of our web site are not a part of this report.  These materials are also available free of charge by written request to: Kathleen S. McKillip, Corporate Secretary, Chemung Canal Trust Company, One Chemung Canal Plaza, Elmira, NY 14901.

 
5
 

Supervision and Regulation

The Corporation and the Bank are subject to comprehensive regulation, supervision and examination by regulatory authorities. Numerous statutes and regulations apply to the Corporation’s and, to a greater extent, the Bank’s, operations, including required reserves, investments, loans, deposits, issuances of securities, payments of dividends and establishment of branches. Set forth below is a brief description of some of these laws and regulations. The description does not purport to be complete, and is qualified in its entirety by reference to the text of the applicable laws and regulations.

The Corporation

Bank Holding Company Act

The Corporation is a bank holding company registered with, and subject to regulation and examination by, the Board of Governors of the Federal Reserve System ("Federal Reserve") pursuant to the Bank Holding Company Act of 1956, as amended (the “BHCA”). The Federal Reserve regulates and requires the filing of reports describing the activities of bank holding companies, and conducts periodic examinations to test compliance with applicable regulatory requirements. The Federal Reserve has enforcement authority over bank holding companies, including, among other things, the ability to assess civil money penalties, to issue cease and desist or removal orders, and to require a bank holding company to divest subsidiaries.

The Corporation generally may engage in the activities permissible for a bank holding company, which includes banking, managing or controlling banks, performing certain servicing activities for subsidiaries, and engaging in other activities that the Federal Reserve has determined to be so closely related to banking as to be a proper incident thereto. Because the Corporation also has elected financial holding company status, it may also engage in a broader range of activities that are determined by the Federal Reserve and the Secretary of the Treasury to be financial in nature or incidental to financial activities or activities that are determined by the Federal Reserve to be complementary to a financial activity and that do not pose a substantial risk to the safety and soundness of depository institutions or the financial system generally.

The BHCA prohibits a bank holding company from acquiring direct or indirect ownership or control of more than 5% of the voting shares of any bank, or increasing such ownership or control of any bank, without the prior approval of the Federal Reserve.

New York Law

The Corporation is organized under New York law and is subject to the New York Business Corporation Law, which governs the rights and obligations of directors and shareholders and other corporate matters.

The Corporation is also a bank holding company as defined in the New York Banking Law by virtue of its ownership and control of the Bank. Generally, this means that the New York State Department of Financial Services ("NYSDFS") must approve the Corporation’s acquisition of control of other banking institutions and similar transactions.

Federal Securities Law

The Corporation is subject to the information, reporting, proxy solicitation, insider trading, and other rules contained in the Securities Exchange Act of 1934 (the "Exchange Act"), the disclosure requirements of the Securities Act of 1933 (the “Securities Act”) and the regulations of the SEC thereunder.  In addition, the Corporation must comply with the corporate governance and listing standards of the NASDAQ Stock Market to maintain the listing of its common stock on the exchange. These standards include rules relating to a listed company's board of directors, audit committees and independent director oversight of executive compensation, the director nomination process, a code of conduct and shareholder meetings.

 
6
 

The SEC has adopted certain proxy disclosure rules regarding executive compensation and corporate governance, with which the Corporation must comply. They include:  (i) increased disclosure as it relates to stock and option award compensation; (ii) disclosure regarding any potential conflict of interest of any compensation consultants of the Corporation; (iii) enhanced disclosure regarding compensation committee independence and experience, qualifications, skills and diversity of its directors and any director nominees; (iv) “say-on-pay” disclosure; and (v) information relating to the leadership structure of the Corporation’s board of directors and the board’s role in the risk management process. Additionally, these rules require the Corporation to report the voting results of annual meetings in a much more timely manner on Form 8-K, rather than on a quarterly or annual report.

Sarbanes-Oxley Act of 2002

The Corporation is also subject to the Sarbanes-Oxley Act of 2002 (the “Sarbanes-Oxley Act”).  The Sarbanes-Oxley Act revised the laws affecting public companies’ corporate governance, accounting obligations, and corporate reporting by: (i) creating a new federal accounting oversight body; (ii) revamping auditor independence rules; (iii) enacting new corporate responsibility and governance measures; (iv) enhancing disclosures by public companies, their directors, and their executive officers; (v) strengthening the powers and resources of the SEC; and (vi) imposing new criminal and civil penalties for securities fraud and related wrongful conduct.

The SEC has adopted regulations under the Sarbanes-Oxley Act, including: (i) executive compensation disclosure rules; (ii) standards of independence for directors who serve on the Corporation’s audit committee; (iii) disclosure requirements as to whether at least one member of the Corporation’s audit committee qualifies as a “financial expert” as defined in the SEC regulations; (iv) whether the Corporation has adopted a code of ethics applicable to its chief executive officer, chief financial officer, or those persons performing similar functions; (v) and disclosure requirements regarding the operations of board nominating committees and the means, if any, by which security holders may communicate with directors.

Support of Subsidiary Banks

The Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”), discussed in the section of this document entitled “Additional Important Legislation and Regulation”, codifies the Federal Reserve’s long-standing policy of requiring bank holding companies to act as a source of financial and managerial strength to their subsidiary banks, as a statutory requirement. Under this requirement, the Corporation is expected to commit resources to support its banking subsidiaries, including at times when it may not be advantageous for the Corporation to do so.

The Bank

General

The Bank is a commercial bank chartered under the laws of New York State and is supervised by the NYSDFS.  The Bank also is a member bank of the Federal Reserve System and, therefore, the Federal Reserve serves as its primary federal regulator. The FDIC insures the Bank’s deposit accounts up to applicable limits. The Bank must file reports with the Federal Financial Institution Examination Council (“FFIEC”), the Federal Reserve and the FDIC concerning its activities and financial condition and must obtain regulatory approval before commencing certain activities or engaging in transactions such as mergers and other business combinations or the establishment, closing, purchase or sale of branch offices.  This regulatory structure gives the regulatory authorities extensive discretion in the enforcement of laws and regulations and the supervision of the Bank.

 
7
 


Loans to One Borrower

The Bank generally may not make a loan or extend credit to a single or related group of borrowers in excess of 15% of its unimpaired capital and surplus.  Up to an additional 10% of unimpaired capital and surplus can be lent if the additional amount is fully secured by readily marketable collateral.  At December 31, 2013, the Bank’s legal lending limit on loans to one borrower was $20.0 million for loans not fully secured by readily marketable collateral and $22.0 million for loans secured by readily marketable collateral.  The Bank’s internal limit on loans is set at $15.0 million.  At that date, the Bank did not have any loans or agreements to extend credit to a single or related group of borrowers in excess of its legal lending limit.

Branching

Subject to the approval of the NYSDFS, New York chartered commercial banks may establish branch offices anywhere within New York State, except in communities having populations of less than 50,000 inhabitants in which another New York chartered commercial bank or a national bank has its principal office.  Additionally, under the Dodd-Frank Act, state chartered banks may generally branch into other states to the same extent as commercial banks chartered under the laws of that state may branch.

Payment of Dividends

The Bank is subject to substantial regulatory restrictions relating to its ability to pay dividends to the Corporation.  Under Federal Reserve and NYSDFS regulations, the Bank may not pay a dividend without prior approval of the Federal Reserve and the NYSDFS if the total amount of all dividends declared during such calendar year, including the proposed dividend, exceeds the sum of its retained net income to date during the calendar year and its retained net income over the preceding two calendar years. As of December 31, 2013, approximately $8.5 million was available for the payment of dividends by the Bank to the Corporation without prior approval.  The Bank's ability to pay dividends also is subject to the Bank being in compliance with regulatory capital requirements.  The Bank is currently in compliance with these requirements.

Federal Reserve System

All depository institutions must maintain with a Federal Reserve Bank reserves against their transaction accounts (primarily checking, NOW, and Super NOW accounts) and nonpersonal time accounts. As of December 31, 2013, the Bank was in compliance with applicable reserve requirements. In all years preceding 2008, these reserves were maintained as vault cash or noninterest-bearing accounts, thereby reducing the Bank’s earnings potential.  In the fourth quarter of 2008, the Federal Reserve Banks announced that they would begin to pay interest on member banks’ required reserve balances, as well as excess reserve balances.

Standards for Safety and Soundness

The Federal Reserve has adopted guidelines prescribing safety and soundness standards. These guidelines establish general standards relating to capital adequacy, asset quality, management, earnings performance, liquidity and sensitivity to market risk.  In evaluating these safety and soundness standards, the Federal Reserve also evaluates internal controls and information systems, internal audit systems, loan documentation, credit underwriting, exposure to changes in interest rates, asset growth, compensation, fees, and benefits.  In general, the guidelines require appropriate systems and practices to identify and manage the risks and exposures specified in the guidelines.  The Federal Reserve may order an institution that has been given notice that it is not satisfying these safety and soundness standards to submit a compliance plan, and if an institution fails to do so, the Federal Reserve must issue an order directing action to correct the deficiency and may issue an order directing other action. If an institution fails to comply with such an order, the Federal Reserve may seek to enforce such order in judicial proceedings and to impose civil money penalties.

 
8
 


Real Estate Lending Standards

The Federal Reserve has adopted guidelines that generally require each Federal Reserve state member bank to establish and maintain written internal real estate lending standards that are consistent with safe and sound banking practices and appropriate to the size of the bank and the nature and scope of its real estate lending activities. The standards also must be consistent with accompanying Federal Reserve guidelines, which include loan-to-value ratios for the different types of real estate loans.

Transactions with Related Parties

The Federal Reserve Act governs transactions between the Bank and its affiliates, including the Corporation and CFS Group, Inc.  In general, an affiliate of the Bank is any company that controls, is controlled by, or is under common control with the Bank. Generally, the Federal Reserve Act limits the extent to which the Bank or its subsidiaries may engage in “covered transactions” with any one affiliate to 10% of the Bank’s capital stock and surplus, and contains an aggregate limit of 20% of capital stock and surplus for covered transactions with all affiliates. Covered transactions include loans, asset purchases, the issuance of guarantees, and similar transactions. The Bank's loans to insiders must be made on terms that are substantially the same as, and follow credit underwriting procedures that are not less stringent than, those prevailing for comparable transactions with unaffiliated persons and that do not involve more than the normal risk of repayment or present other unfavorable features.  The loans are also subject to maximum dollar limits and must generally be approved by the Board.

Deposit Insurance

The FDIC insures the deposits of the Bank up to regulatory limits and the deposits are subject to the deposit insurance premium assessments of the Deposit Insurance Fund ("DIF"). The FDIC currently maintains a risk-based assessment system under which assessment rates vary based on the level of risk posed by the institution to the DIF.  The assessment rate may, therefore, change after any of these measurements change.

The FDIC has adopted a final rule making certain changes to the deposit insurance assessment system.  Among other things, the rule revised the assessment rate schedule effective April 1, 2011, and adopted additional rate schedules that will go into effect when the DIF reserve ratio reaches various milestones. The rule changed the deposit insurance assessment system from one that was based on domestic deposits to one that is based on average consolidated total assets minus average tangible equity. In addition, the rule provides that FDIC dividend payments will be suspended if the DIF reserve ratio exceeds 1.5 percent but that assessment rates will decrease when the DIF reserve ratio reaches certain thresholds.

All institutions with deposits insured by the FDIC are required to pay assessments to fund interest payments on bonds issued by the Financing Corporation ("FICO"), an agency of the federal government established to recapitalize the predecessor to the Savings Association Insurance Fund. These assessments will continue until the FICO bonds mature in 2017.  The FDIC's FICO assessment authority is separate from its authority to assess risk-based premiums for deposit insurance. The FICO assessment rate is adjusted quarterly to reflect changes in the assessment bases of the fund and is not risk-based by institution.  The FICO assessment rate for the first quarter of 2014, due December 31, 2013, was .003875% of insured deposits.

 
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Regulatory Capital Requirements

 
 
Current Federal Reserve regulations require state member banks to meet three minimum capital standards, which are:
 
 
•           a minimum tangible capital ratio requirement of 1.5% of tangible capital to adjusted total assets;
 
 
 
•
a general minimum leverage ratio requirement of 4.0% of core capital to adjusted total assets (minimum of 3.% for certain banks that have been assigned the highest composite rating under the Uniform Financial Institutions Ratings System); and
 
 
 
•
a minimum risk-based capital ratio requirement of 8.0% of core and supplementary capital to total risk-weighted assets, provided that the amount of supplementary capital used to satisfy this requirement may not exceed 100% of core capital.
 
 
 
On October 11, 2013, the Federal Reserve approved a final rule that amends the regulatory capital rules for state member banks effective January 1, 2015. The Federal Reserve approved the new capital rules in coordination with substantially identical final rules approved by the FDIC and the Office of the Comptroller of the Currency for other types of banking organizations.  The revisions make the capital rules consistent with agreements that were reached by the Basel Committee on Banking Supervision (“Basel III”) and certain provisions of the Dodd-Frank Act.  In general, the new capital rules revise regulatory capital definitions and minimum ratios; redefine Tier 1 Capital as two components (common equity tier 1 capital and additional tier 1 capital); create a new “common equity tier 1 risk-based capital ratio”; implement a capital conservation buffer; revise prompt corrective action thresholds; and change risk weights for certain assets and off-balance sheet exposures.
 
 
The new capital rules implement a revised definition of regulatory capital, a new common equity Tier 1 minimum capital requirement of 4.5%, and a higher minimum Tier 1 capital requirement of 6.0% (which is an increase from 4.0%). Under the new rules, the total capital ratio remains at 8.0%, and the minimum leverage ratio (Tier 1 capital to total assets) for all banking organizations, regardless of supervisory rating, is 4.0%. Additionally, under the new capital rules, in order to avoid limitations on capital distributions, including dividend payments and certain discretionary bonus payments to executive officers, a banking organization must hold a capital conservation buffer composed of common equity Tier 1 capital above its minimum risk-based capital requirements. The buffer is measured relative to risk-weighted assets. The final rules also enhance risk sensitivity and address weaknesses identified by the regulators over recent years with the measure of risk-weighted assets, including through new measures of creditworthiness to replace references to credit ratings, consistent with the requirements of the Dodd-Frank Act.
 
 
The new capital requirements also include changes in the risk-weights of assets to better reflect credit risk and other risk exposures. These include a 150% risk weight (up from 100%) for certain high volatility commercial real estate acquisition, development and construction loans and the unsecured portion of non-residential mortgage loans that are 90 days past due or otherwise on nonaccrual status; a 20% (up from 0%) credit conversion factor for the unused portion of a commitment with an original maturity of one year or less that is not unconditionally cancellable; a 250% risk weight (up from 100%) for mortgage servicing rights and deferred tax assets that are not deducted from capital; and increased risk weights (from 0% to up to 600%) for equity exposures.
 
 
The new minimum capital requirements generally become effective for all banking organizations (except for the largest internationally active banking organizations) on January 1, 2015, whereas the capital conservation buffer and the deductions from common equity Tier 1 capital phase in over time, beginning on January 1, 2016.
 
 
The Corporation is subject to Federal Reserve capital requirements applicable to bank holding companies, which are similar to those applicable to the Bank.
 

 
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In assessing a state member bank’s capital adequacy, the Federal Reserve takes into consideration not only these numeric factors but also qualitative factors, and has the authority to establish higher capital requirements for individual banks where necessary. The Bank, in accordance with its internal prudential standards, targets as its goal the maintenance of capital ratios which exceed these minimum requirements and that are consistent with its risk profile.

 
Prompt Corrective Action

The Federal Deposit Insurance Act (the “FDIA”) requires the federal banking agencies to resolve the problems of insured banks at the least possible loss to the DIF. The Federal Reserve has adopted prompt corrective action regulations to carry out this statutory mandate. The Federal Reserve’s regulations authorize, and in some situations, require, the Federal Reserve to take certain supervisory actions against undercapitalized state member banks, including the imposition of restrictions on asset growth and other forms of expansion. The prompt corrective action regulations place state member banks in one of the following five categories based, on the bank’s capital:
 
•           well capitalized
•           adequately capitalized
•           undercapitalized
•           significantly undercapitalized
•           critically undercapitalized

The new capital rules described above under “Regulatory Capital Requirements” maintain the general structure of the current prompt corrective action framework while increasing some of the thresholds for the prompt corrective action capital categories. For example, an adequately capitalized bank is required to maintain a tier 1 risk-based capital ratio of 6.0% (increased from the current level of 4.0%). The rule also introduces the common equity tier 1 capital ratio as a new prompt corrective action capital category threshold.
 
As an institution’s capital decreases within the three undercapitalized categories listed above, the severity of the action that is authorized or required to be taken by the Federal Reserve for state member banks under the prompt corrective action regulations increases. All banks are prohibited from paying dividends or other capital distributions or paying management fees to any controlling person if, following such distribution, the bank would be undercapitalized. The Federal Reserve is required to monitor closely the condition of an undercapitalized institution and to restrict the growth of its assets.
 
An undercapitalized state member bank is required to file a capital restoration plan with the Federal Reserve within 45 days (or other timeframe prescribed by the Federal Reserve) of the date the bank receives notice that it is within any of the three undercapitalized categories, and the plan must be guaranteed by its parent holding company, subject to a cap on the guarantee that is the lesser of: (i) an amount equal to 5.0% of the bank’s total assets at the time it was notified that it became undercapitalized; and (ii) the amount that is necessary to restore the bank’s capital ratios to the levels required to be classified as “adequately classified,” as those ratios and levels are defined as of the time the bank failed to comply with the plan. If the bank fails to submit an acceptable plan, it is treated as if it were “significantly undercapitalized.” Banks that are significantly or critically undercapitalized are subject to a wider range of regulatory requirements and restrictions.
 
Federal Home Loan Bank

The Bank is also a member of the FHLBNY, 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 FHLBNY, including the requirement to acquire and hold shares of capital stock in the FHLBNY. The Bank was in compliance with the rules and requirements of the FHLBNY at December 31, 2013.

 
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Community Reinvestment Act

Under the federal Community Reinvestment Act (the “CRA”), the Bank, consistent with its safe and sound operation, must help meet the credit needs of its entire community, including low and moderate income neighborhoods.  The Federal Reserve periodically assesses the Bank's compliance with CRA requirements.  The Bank received an “outstanding” rating for CRA on its last performance evaluation conducted by the Federal Reserve as of May 29, 2012.

Fair Lending and Consumer Protection Laws

The Bank must also comply with the federal Equal Credit Opportunity Act and the New York Executive Law, which prohibit creditors from discrimination in their lending practices on bases specified in these statutes. In addition, the Bank is subject to a number of federal statutes and regulations implementing them, which are designed to protect the general public, borrowers, depositors, and other customers of depository institutions. These include the Bank Secrecy Act, the Truth in Lending Act, the Home Ownership and Equity Protection Act, the Truth in Savings Act, the Home Mortgage Disclosure Act, the Fair Housing Act, the Real Estate Settlement Procedures Act, the Electronic Funds Transfers Act, the Fair Credit Reporting Act, the Right to Financial Privacy Act, the Expedited Funds Availability Act, the Flood Disaster Protection Act, the Fair Debt Collection Practices Act, Helping Families Save Their Homes Act, and the Consumer Protection for Depository Institutions Sales of Insurance regulation.  The Federal Reserve and, in some instances, other regulators, including the U.S. Department of Justice, the Federal Trade Commission (“FTC”), the Consumer Financial Protection Bureau  (“CFPB”) and state Attorneys General, may take enforcement action against institutions that fail to comply with these laws.

Prohibitions Against Tying Arrangements

Subject to some exceptions, the BHCA and Federal Reserve regulations prohibit  banks from extending credit to or offering any other service, or fixing or varying the consideration for such extension of credit or service, on the condition that the customer obtain some additional service from the bank or its affiliates or not obtain services of a competitor of the bank.

Privacy Regulations

Federal Reserve regulations generally require the Bank to disclose its privacy policy.  The policy must identify with whom the Bank shares its customers’ “nonpublic personal information,” at the time of establishing the customer relationship and annually thereafter. In addition, the Bank must provide its customers with the ability to “opt out” of having their personal information shared with unaffiliated third parties and not to disclose account numbers or access codes to non-affiliated third parties for marketing purposes.  The Bank’s privacy policy complies with Federal Reserve regulations.

The USA PATRIOT Act

The Bank is subject to the USA PATRIOT Act, which gives the federal government powers to address terrorist threats through enhanced domestic security measures, expanded surveillance powers, increased information sharing, and broadened anti-money laundering requirements. The USA PATRIOT Act imposes affirmative obligations on financial institutions, including the Bank, to establish anti-money laundering programs which require: (i) the establishment of internal policies, procedures, and controls; (ii) the designation of an anti-money laundering compliance officer; (iii) ongoing employee training programs; and (iv) an independent audit function to test the anti-money laundering program. The Federal Reserve must consider the Bank’s effectiveness in combating money laundering when ruling on merger and other applications.

 
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CFS Group, Inc.

CFS Group, Inc. is subject to supervision by other regulatory authorities as determined by the activities in which it is engaged.  Insurance activities are supervised by the NYSDFS, and brokerage activities are subject to supervision by the SEC and the Financial Industry Regulatory Authority ("FINRA").

Additional Important Legislation and Regulation

The Dodd-Frank Act

The Dodd-Frank Act, enacted on July 21, 2010, significantly changed the bank regulatory landscape and has impacted and will continue to impact the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. The Dodd-Frank Act requires various federal agencies to adopt a broad range of new rules and regulations, and to prepare various studies and reports for Congress. We have summarized below significant rules adopted by the federal agencies pursuant to the Dodd-Frank Act.
 
The Dodd-Frank Act created the Consumer Financial Protection Bureau (“CFPB”), with wide-ranging powers to supervise and enforce consumer protection laws. The CFPB has broad rule-making authority for a wide range of consumer protection laws that apply to all banks and savings institutions, including the authority to prohibit "unfair, deceptive or abusive" acts and practices. The CFPB has examination and enforcement authority over all banks and savings institutions with more than $10 billion in assets. The Dodd-Frank Act also weakened the federal preemption rules that have been applicable to national banks and federal savings associations, and gives state attorneys general certain powers to enforce federal consumer protection regulations.
 
Consumer Financial Protection Bureau Rules
 
In 2013, the CFPB issued several new rules pursuant to the Dodd-Frank Act concerning the regulation of mortgage markets in the U.S. The rules amend several existing regulations, including Regulation Z, which implements the Truth in Lending Act, Regulation X, which implements the Real Estate Settlement Procedures Act and Regulation B, which implements the Equal Credit Opportunity Act.
 
The amendments to Regulation Z:
 
•
Lengthen the time for which a mandatory escrow account established for a higher-priced mortgage loan must be maintained. This rule, which is subject to a number of transactional exceptions, such as mortgage transactions extended by creditors that operate predominantly in rural or underserved areas, became effective on June 1, 2013.
 
 
•
Require creditors to make a reasonable, good faith determination of a consumer’s ability to repay any consumer credit transaction secured by a dwelling (excluding an open-end credit plan, timeshare plan, reverse mortgage, or temporary loan) and establish certain protections from liability under this requirement for “qualified mortgages.” The amendments also limit prepayment penalties. This rule became effective on January 10, 2014.
 
 
•
Expand the types of mortgage loans that are subject to the protections of the Home Ownership and Equity Protections Act of 1994 (“HOEPA”), revise and expand the tests for coverage under HOEPA, and impose additional restrictions on mortgages that are covered by HOEPA, including a pre-loan counseling requirement. The final rule also amends Regulation Z and Regulation X by imposing certain other requirements related to homeownership counseling, including a requirement that consumers receive information about homeownership counseling providers. This rule became effective on January 10, 2014.

 
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•
Require creditors to obtain a full interior appraisal by a certified or licensed appraiser for non-exempt “higher-risk mortgage loans”, which are mortgages with an annual percentage rates that exceeds the average prime offer rate by a specified percentage. The rule also requires a second such appraisal at the creditor’s expense for certain properties held for less than 180 days. Exemptions include qualified mortgages, reverse mortgages, bridge loans, construction loans and certain manufactured homes. In addition, the rule requires creditors to provide the consumer a copy of all written appraisals performed in connection with the mortgage at least 3 days prior to closing. This rule became effective on January18, 2014.
 
 
•
Regulate mortgage broker and other loan originator compensation by: i) prohibiting dual compensation (payment by both the lender and the borrower) and compensation arrangements that incentivize the originator to steer the borrower to more expensive loan products (by basing the compensation on the interest rate or other term of a transaction); ii) establishing tests for when loan originators can be compensated through certain profits-based compensation arrangements; and iii) prohibiting mandatory arbitration clauses in disputes concerning residential mortgage loans and home equity lines of credit. This rule became effective on January 10, 2014, except for the mandatory arbitration prohibition, which went into effect on June 1, 2013.
 
 
•
Address initial rate adjustment notices for adjustable-rate mortgages, periodic statements for residential mortgage loans, prompt crediting of mortgage payments, and responses to requests for payoff amounts and the scope, timing, content, and format of disclosures to consumers regarding the interest rate adjustments of their variable-rate transactions. This rule became effective on January 10, 2014.
 
The Regulation X amendments address loan servicers’ obligations to: i) correct errors asserted by mortgage loan borrowers; ii) provide certain information requested by borrowers; iii) provide protections to borrowers in connection with force-placed insurance iv) establish reasonable policies and procedures to achieve certain delineated objectives; v) provide information about mortgage loss mitigation options to delinquent borrowers; vi) establish policies and procedures for providing delinquent borrowers with continuity of contact with servicer personnel; and vii) evaluate borrowers’ applications for available loss mitigation options. This rule became effective on January 10, 2014.
 
The amendments to Regulation B require creditors to provide to applicants free copies of all appraisals and other written valuations developed in connection with an application for a loan to be secured by a first lien on a dwelling, and require creditors to notify applicants in writing that copies of appraisals will be provided to them promptly. This rule became effective on January 18, 2014.

 
In December 2013, the Federal Reserve and the SEC released final rules to implement the provisions of the Dodd-Frank Act, commonly known as the “Volcker Rule.” The Volcker Rule, among other things, prohibits banking entities from engaging in proprietary trading and from sponsoring, having an ownership interest in or having certain relationships with a hedge fund or private equity fund, subject to certain exemptions.  At December 31, 2013, we were not engaged in any activities and we did not have any ownership interests in any funds that are not permitted under the Volcker Rule.
 

 
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Securities and Exchange Commission Rules

As discussed above under “Federal Securities Law”, pursuant to the Dodd-Frank Act, the SEC has issued regulations that provide the shareholders of public companies with an advisory vote on: i) executive compensation ("say-on-pay" votes); ii) the desired frequency of say-on-pay votes; and iii) compensation arrangements and understandings in connection with merger transactions, known as "golden parachute" arrangements. The SEC has also adopted corporate governance regulations that provide to shareholders of companies subject to the SEC’s proxy rules: i) the opportunity to nominate directors at a shareholder meeting and to have their nominees included in the company proxy materials sent to all shareholders; and ii) the ability to use the shareholder proposal process to establish procedures for the inclusion of shareholder director nominations in company proxy materials.

Banking Agency Rules

As discussed above under “Regulatory Capital Requirements”, pursuant to the Dodd-Frank Act, the Federal Reserve and the other federal banking agencies have established minimum leverage and risk-based capital requirements for insured depository institutions and bank holding companies.

The Dodd-Frank Act also broadened the base for FDIC insurance assessments. Assessments are now based on the average consolidated total assets less tangible equity capital of a financial institution. The Dodd-Frank Act also permanently increases the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor per insured institution, retroactive to January 1, 2008.

The Dodd-Frank Act directs the federal banking regulators to promulgate rules requiring the reporting of incentive-based compensation and prohibiting excessive incentive-based compensation paid to executives of depository institutions and their holding companies with assets in excess of $1.0 billion.  In April 2011, the Federal Reserve, along with other federal banking supervisors, issued a joint notice of proposed rulemaking implementing those requirements.

Many other provisions of the Dodd-Frank Act still require extensive rulemaking, guidance and interpretation by regulatory agencies. Accordingly, in many respects, the ultimate impact of the legislation and its effects on the Corporation and the Bank remain uncertain. We are continuing to closely monitor and evaluate regulatory developments. Such developments could adversely affect our financial condition and results of operations through significant increases in our regulatory compliance costs.

Gramm-Leach-Bliley Act

Under the privacy and data security provisions of the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act ("GLB Act"), and rules promulgated thereunder, all financial institutions, including the Corporation, the Bank and CFS Group, Inc., are required to establish policies and procedures to restrict the sharing of nonpublic customer data with nonaffiliated parties at the customer's request and to protect customer data from unauthorized access. In addition, the Fair Credit Reporting Act ("FCRA"), as amended by the Fair and Accurate Credit Transactions Act of 2003 ("FACT Act"), includes many provisions affecting the Corporation, Bank, and/or CFS Group, Inc., 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.  For instance, FCRA 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 Federal Reserve and the FTC have extensive rulemaking authority under the FACT Act, and the Corporation and the Bank are subject to the rules that have been promulgated by the Federal Reserve and FTC thereunder, including recent rules regarding limitations on affiliate marketing and implementation of programs to identify, detect and mitigate the risk of identity theft through red flags. The Corporation has developed policies and procedures for itself and its subsidiaries to maintain compliance and believes it is in compliance with all privacy, information sharing and notification provisions of the GLB Act and FCRA.

 
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The GLB Act and FCRA also impose requirements regarding data security and the safeguarding of customer information. The Bank is subject to the Interagency Guidelines Establishing Information Security Standards (“Security Guidelines”), which implement section 501(b) of the GLB Act and section 216 of the FACT Act. The Security Guidelines establish standards relating to administrative, technical, and physical safeguards to ensure the security, confidentiality, integrity and the proper disposal of customer information.  The Bank believes it is in compliance with all such standards.

ITEM 1A.  RISK FACTORS

The Corporation’s business is subject to many risks and uncertainties.  Although the Corporation seeks ways to manage these risks and develop programs to control those that management can, the Corporation ultimately cannot predict the extent to which these risks and uncertainties could affect our results.  Actual results may differ materially from management's expectations.  The material risks and uncertainties that management believes affect the Corporation are discussed below.  You should consider all of the following risks together with all of the other information in this Annual Report on Form 10-K.

Economic conditions may adversely affect the Corporation’s financial performance.

As a consequence of the economic slowdown that the United States experienced, business activity across a wide range of industries continues to face serious difficulties due to reduced consumer spending, the weakened financial condition of some borrowers and employment levels.  A continued weakness or further weakening in business and economic conditions generally or specifically in the principal markets in which the Corporation does business could have one or more of the following adverse effects on the Corporation’s business: (i) a decrease in the demand for loans and other products and services; (ii) a decrease in the value of the Corporation’s loans or other assets secured by consumer or commercial real estate; (iii) an impairment of certain of the Corporation’s intangible assets, such as goodwill; and (iv) an increase in the number of borrowers and counterparties who become delinquent, file for protection under bankruptcy laws or default on their loans or other obligations to the Corporation.  Additionally, in light of economic conditions, the Corporation’s ability to assess the creditworthiness of its customers may be impaired if the models and approaches that it uses to select, manage and underwrite loans become less predictive of future behaviors.  Further, competition in the Corporation’s industry may intensify as a result of consolidation of financial services companies in response to current market conditions and the Corporation may face increased regulatory scrutiny, which may increase its costs and limit its ability to pursue business opportunities.

Commercial real estate and business loans increase the Corporation’s exposure to credit risks.

At December 31, 2013, the Corporation’s portfolio of commercial real estate and business loans totaled $519 million or 52.1% of total loans.  The Corporation’s plans are to continue to emphasize the origination of these types of loans, which generally expose the Corporation to a greater risk of nonpayment and loss than residential real estate or consumer loans because repayment of commercial real estate and business loans often depends on the successful operations and income stream of the borrower’s business.  Additionally, such loans typically involve larger loan balances to single borrowers or groups of related borrowers compared to residential real estate and consumer loans.  Also, some of the Corporation’s borrowers have more than one commercial loan outstanding. Consequently, an adverse development with respect to one loan or one credit relationship can expose the Corporation to a significantly greater risk of loss compared to an adverse development with respect to residential real estate and consumer loans.  The Corporation targets its business lending and marketing strategy towards small to medium-sized businesses.  These small to medium-sized businesses generally have fewer financial resources in terms of capital or borrowing capacity than larger entities.  If general economic conditions negatively impact these businesses, the Corporation’s results of operations and financial condition may be adversely affected.

 
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Increases to the allowance for loan losses may cause the Corporation’s earnings to decrease.

The Corporation’s customers may not repay their loans according to the original terms, and the collateral securing the payment of those loans may be insufficient to pay any remaining loan balance.  Hence, we may experience significant loan losses, which could have a material adverse effect on our operating results.  Management makes various assumptions and judgments about the collectability of its loan portfolio, including the creditworthiness of its borrowers and the value of the real estate and other assets serving as collateral for the repayment of loans.  In determining the amount of the allowance for loan losses, management relies on loan quality reviews, past loss experience, and an evaluation of economic conditions, among other factors.  If these assumptions prove to be incorrect, the allowance for loan losses may not be sufficient to cover losses inherent in the Corporation’s loan portfolio, resulting in additions to the allowance.  Material additions to the allowance would materially decrease net income.

The Corporation’s emphasis on the origination of commercial loans is one of the more significant factors in evaluating its allowance for loan losses.  As the Corporation continues to increase the amount of these loans, additional or increased provisions for loan losses may be necessary, which could result in a decrease in earnings.

Bank regulators periodically review the Corporation’s allowance for loan losses and may require the Corporation to increase its provision for loan losses or loan charge-offs. Any increase in the allowance for loan losses or loan charge-offs as required by these regulatory authorities could have a material adverse effect on our results of operations and/or financial condition.

Changes in interest rates could adversely affect the Corporation’s results of operations and financial condition.

The Corporation’s results of operations and financial condition are significantly affected by changes in interest rates.  Our financial results depend substantially on net interest income, which is the difference between the interest income that we earn on interest-earning assets and the interest expense paid on interest-bearing liabilities.  If the Corporation’s interest-earning assets mature or reprice more quickly than its interest-bearing liabilities in a given period as a result of decreasing interest rates, net interest income may decrease.  Likewise, net interest income may decrease if interest-bearing liabilities mature or reprice more quickly than interest-earning assets in a given period as a result of increasing interest rates.  The Corporation has taken steps to mitigate this risk, such as holding fewer longer-term residential mortgages, as well as investing excess funds in shorter-term investments.

Changes in interest rates also affect the fair value of the Corporation’s interest-earning assets and, in particular, its investment securities available for sale.  Generally, the fair value of investment securities fluctuates inversely with changes in interest rates.  Decreases in the fair value of investment securities available for sale, therefore, could have an adverse effect on our shareholders’ equity or earnings if the decrease in fair value is deemed to be other than temporary.

Changes in interest rates may also affect the average life of loans and mortgage-related securities.  Decreases in interest rates can result in increased prepayments of loans and mortgage-related securities, as borrowers refinance to reduce borrowing costs.  Under these circumstances, the Corporation is subject to reinvestment risk to the extent that it is unable to reinvest the cash received from such prepayments at rates that are comparable to the rates on its existing loans and securities.  Additionally, increases in interest rates may decrease loan demand and make it more difficult for borrowers to repay adjustable rate loans.

 
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Strong competition within our industry and market area could limit the Corporation’s growth and profitability.

The Corporation faces substantial competition in all phases of its operations from a variety of different competitors.  Future growth and success will depend on the ability to compete effectively in this highly competitive environment. The Corporation competes for deposits, loans and other financial services with a variety of banks, thrifts, credit unions and other financial institutions as well as other entities, which provide financial services.  Some of the financial institutions and financial services organizations with which we compete are not subject to the same degree of regulation as the Corporation. Many competitors have been in business for many years, have established customer bases, are larger, and have substantially higher lending limits.  The financial services industry is also likely to become more competitive as further technological advances enable more companies to provide financial services.  These technological advances may diminish the importance of depository institutions and other financial intermediaries in the transfer of funds between parties.

The Corporation’s growth strategy may not prove to be successful and our market value and profitability may suffer.

As part of the Corporation's strategy for continued growth, we may open additional branches.  New branches do not initially contribute to operating profits due to the impact of overhead expenses and the start-up phase of generating loans and deposits.  To the extent that additional branches are opened, the Corporation may experience the effects of higher operating expenses relative to operating income from the new operations, which may have an adverse effect on the Corporation's levels of net income, return on average equity and return on average assets.

In addition, the Corporation may acquire banks and related businesses that it believes provide a strategic fit with its business, such as the 2011 acquisition of Fort Orange Financial Corp (“FOFC”) and the 2013 acquisition of six branches of Bank of America.  To the extent that the Corporation grows through acquisitions, it cannot provide assurance that such strategic decisions will be accretive to earnings.

Compliance with the Dodd-Frank Act may increase the Corporation’s costs of operations and adversely affect the Corporation’s earnings and financial condition.

The Dodd-Frank Act represents a significant overhaul of the CFPB as many aspects of the regulation of the financial-services industry. Among other things, the Dodd-Frank Act creates a new federal financial consumer protection agency, tightens capital standards, imposes clearing and margining requirements on many derivatives activities, and generally increases oversight and regulation of financial institutions and financial activities.

In addition to the self-implementing provisions of the statute, the Dodd-Frank Act calls for many administrative rulemakings by various federal agencies to implement various parts of the legislation.  While regulators have adopted a number of new rules required by the Dodd-Frank Act, others have not been proposed or if proposed, not been adopted in final form.  The Corporation cannot be certain when final rules affecting it will be issued through such rulemakings, and what the specific content of such rules will be. The financial reform legislation and any implementing rules that are ultimately issued could have adverse implications on the financial industry, the competitive environment, and the Corporation’s ability to conduct business. The Corporation will have to apply resources to ensure that it is in compliance with all applicable provisions of the Dodd-Frank Act and any implementing rules, which may increase the Corporation’s costs of operations and adversely impact its earnings.

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

Currently, the Corporation and its subsidiaries are subject to extensive regulation, supervision, and examination by regulatory authorities.  For example, the Federal Reserve regulates the Corporation and the Federal Reserve, the FDIC and the NYSDFS regulate the Bank.  Such regulators govern the activities in which the Corporation 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 Corporation and its operations.  The Corporation believes that it is in substantial compliance with applicable federal, state and local laws, rules and regulations.  Because our business is highly regulated, the laws, rules and applicable regulations are subject to regular modification and change.  There can be no assurance that proposed laws, rules and regulations, or any other law, rule or regulation, will not be adopted in the future, which could make compliance more difficult or expensive or otherwise adversely affect our business, financial condition or prospects.
 
The impending capital requirement changes from Basel III discussed in Item 1-“Business-Supervision and Regulation”, could have a material adverse impact on the Corporation. Even though the Bank exceeds current and proposed minimum regulatory capital levels, adverse changes to residential mortgage risk weights, new requirements for common equity capital, inclusion of accumulated other comprehensive income in regulatory capital, the phase out of trust preferred securities, along with the adoption of new capital conservation buffers would reduce the Bank's current capital position and over time could cause the Bank to fail to meet minimum regulatory requirements. These positions are subject to volatility due to changes in interest rates and credit spreads. The current positive balance is a product of the continued ultra low interest rate environment, which could change in the future. Rapid increases in interest rates and credit spreads could reverse the gain position and force the Corporation's accumulated other comprehensive income to become negative and have an adverse impact on the Bank's regulatory capital. Although there is a phase-in period in the proposed rules, other factors such as the ultra-low interest rate environment, fragile economic recovery, possible recession, and further constraints on profitability by regulators could impact the Bank's ability to meet the new regulatory minimums once the phase-in periods have ended.
 

The Corporation is a holding company and depends on its subsidiaries for dividends, distributions and other payments.

The Corporation is a legal entity separate and distinct from the Bank and other subsidiaries.  Its principal source of cash flow, including cash flow to pay dividends to its shareholders, is dividends from the Bank.  There are statutory and regulatory limitations on the payment of dividends by the Bank to the Corporation, as well as by the Corporation to its shareholders.  Federal Reserve regulations affect the ability of the Bank to pay dividends and other distributions and to make loans to the Corporation.  If the Bank is unable to make dividend payments to the Corporation and sufficient capital is not otherwise available, we may not be able to make dividend payments to our common shareholders.

 
19
 


The Corporation holds certain intangible assets that could be classified as impaired in the future.  If these assets are considered to be either partially or fully impaired in the future, our earnings and the book values of these assets would decrease.

The Corporation is required to test its goodwill and core deposit intangible assets for impairment on a periodic basis.  The impairment testing process considers a variety of factors, including the current market price of its common stock, the estimated net present value of its assets and liabilities, and information concerning the terminal valuation of similarly situated insured depository institutions.  If an impairment determination is made in a future reporting period, our earnings and the book value of these intangible assets would be reduced by the amount of the impairment.  If an impairment loss is recorded, it will have little or no impact on the tangible book value of our common shares or our regulatory capital levels, but such an impairment loss could significantly restrict the Bank from paying a dividend to the Corporation.

We may not be able to attract and retain skilled people.

Our success depends, in large part, on our ability to attract and retain key people. Competition for the best people in most activities in which we engage can be intense and we may not be able to hire people or to retain them.  The unexpected loss of services of one or more of our key personnel could have a material adverse impact on the business because we would lose the employees’ skills, knowledge of the market, and years of industry experience and may have difficulty promptly finding qualified replacement personnel.

Our controls and procedures may fail or be circumvented, which may result in a material adverse effect on our business.

Management regularly reviews and updates our internal controls, disclosure controls and procedures, and corporate governance policies and procedures. Any system of controls, however well designed and operated, is based in part on certain assumptions and can provide only reasonable, not absolute, assurances that the objectives of the system are met.  Under rules of the SEC promulgated under Section 404 of the Sarbanes-Oxley Act of 2002, we were required to furnish a report by our management on our internal controls over financial reporting in our Form 10-K for the fiscal year ended December 31, 2013.  In the course of our assessment of the effectiveness of our internal controls over financial reporting as of December 31, 2013 in connection with the preparation of the 2013 audited financial statements and our annual report on Form 10-K for 2013, we identified a material weakness in our internal controls over financial reporting related to the identification and evaluation of troubled debt restructurings as of December 31, 2013.  The material weakness did not result in a misstatement in the Corporation’s quarterly or annual financial statements for 2013.  However, as a result of the material weakness, management has concluded that the Corporation did not maintain effective internal controls over financial reporting as of December 31, 2013.

Our independent registered public accounting firm also identified a material weakness in our internal controls over financial reporting as stated in its Audit Report citing a deficiency noted above.  We have begun the process of remediating the deficiency noted above.  The material weakness in our internal controls over financial reporting, as described in Item 9A, “Controls and Procedures” and in the Audit Report, of our Annual Report on Form 10-K for the year ended December 31, 2013, as well as any other weakness or deficiencies that may exist or hereafter arise or be identified, could harm our business and operating results, and could result in adverse publicity and a loss in investor confidence in the accuracy and completeness of our financial reports, which in turn could have a material adverse effect on our stock price.  If the weakness is not properly remediated, it could adversely affect our ability to report our financial results on a timely and accurate basis.

 
20
 


The Corporation continually encounters technological change and the failure to understand and adapt to these changes could adversely affect our business.

The banking industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services.  The Corporation's future success will depend, in part, on the ability to address the needs of customers by using technology to provide products and services that will satisfy customer demands for convenience as well as to create additional efficiencies in operations.  Many competitors have substantially greater resources to invest in technological improvements.  There can be no assurance that the Corporation will be able to effectively implement new technology-driven products and services or be successful in marketing such products and services to customers.  Failure to successfully keep pace with technological change affecting the financial services industry could have a material adverse impact on our business and, in turn, our financial condition and results of operations.

The Corporation is subject to security and operational risks relating to its use of technology.

Despite instituted safeguards, the Corporation cannot be certain that all of its systems are entirely free from vulnerability to attack or other technological difficulties or failures. The Corporation relies on the services of a variety of vendors to meet its data processing and communication needs. If information security is breached or other technology difficulties or failures occur, information may be lost or misappropriated, services and operations may be interrupted and the Corporation could be exposed to claims from customers. Any of these results could have a material adverse effect on the Corporation's business, financial condition, results of operations or liquidity.

Provisions of our certificate of incorporation, bylaws, as well as New York law and certain banking laws, could delay or prevent a takeover of us by a third party.

Provisions of the Corporation’s certificate of incorporation and bylaws, New York law, and state and federal banking laws, including regulatory approval requirements, could delay, defer or prevent a third party from acquiring the Corporation, despite the possible benefit to the Corporation’s shareholders, or otherwise adversely affect the market price of the Corporation’s common stock. These provisions include: a two-thirds affirmative vote of all outstanding shares of Corporation stock for certain business combinations; a supermajority shareholder vote of 75% of outstanding stock for business combinations involving 10% shareholders; the election of directors to staggered terms of three years; and advance notice requirements for nominations for election to the Corporation’s board of directors and for proposing matters that shareholders may act on at a shareholder meeting. In addition, the Corporation is subject to New York law, which among other things prohibits the Corporation from engaging in a business combination with any interested stockholder for a period of five years from the date the person became an interested stockholder unless certain conditions are met. These provisions may discourage potential takeover attempts, discouraging bids for the Corporation’s common stock at a premium over market price or adversely affect the market price of, and the voting and other rights of the holders of the Corporation’s common stock. These provisions could also discourage proxy contests and make it more difficult for shareholders to elect directors other than candidates nominated by the Board.

The risks presented by acquisitions could adversely affect our financial condition and results of operations.

The business strategy of the Corporation has included and may continue to include growth through acquisition from time to time. Any future acquisitions will be accompanied by the risks commonly encountered in acquisitions. These risks may include, among other things: our ability to realize anticipated cost savings, the difficulty of integrating operations and personnel, the loss of key employees, the potential disruption of our or the acquired company’s ongoing business in such a way that could result in decreased revenues, the inability of our management to maximize our financial and strategic position, the inability to maintain uniform standards, controls, procedures and policies, and the impairment of relationships with the acquired company’s employees and customers as a result of changes in ownership and management.

 
21
 


Severe weather and other natural disasters can affect the Corporation’s business.

Our main office and our branch offices can be affected by natural disasters such as severe storms and flooding.  These kinds of events could interrupt our operations, particularly our ability to deliver deposit and other retail banking services to our customers and as a result, our business could suffer serious harm.  While we maintain adequate insurance against property and casualty losses arising from most natural disasters, and we have successfully overcome the challenges caused by past flooding in Central New York, there can be no assurance that we will be as successful if and when disasters occur.

Our accounting policies and estimates are critical to how we report our financial condition and results of operations, and any changes to such accounting policies and estimates could materially affect how we report our financial condition and results of operations.

Management has identified certain accounting policies as being critical because they require management’s judgment to ascertain the valuations of assets, liabilities, commitments and contingencies. A variety of factors could affect the ultimate value that is obtained either when earning income, recognizing an expense, recovering an asset, valuing an asset or liability or reducing a liability. We have established detailed policies and control procedures that are intended to ensure that these critical accounting estimates and judgments are well controlled and applied consistently. In addition, these policies and procedures are intended to ensure that the process for changing methodologies occurs in an appropriate manner. Because of the uncertainty surrounding our judgments and the estimates pertaining to these matters, actual outcomes may be materially different from amounts previously estimated. For example, because of the inherent uncertainty of estimates, management cannot provide any assurance that the Bank will not significantly increase its allowance for loan losses if actual losses are more than the amount reserved. Any increase in its allowance for loan losses or loan charge-offs could have a material adverse effect on our financial condition and results of operations. In addition, we cannot guarantee that we will not be required to adjust accounting policies or restate prior financial statements.

Further, from time to time, the Financial Accounting Standards Board and SEC change the financial accounting and reporting standards that govern the preparation of our financial statements. The ongoing economic recession has resulted in increased scrutiny of accounting standards by legislators and our regulators, particularly as they relate to fair value accounting principles. In addition, ongoing efforts to achieve convergence between GAAP and International Financial Reporting Standards may result in changes to GAAP. These changes can be hard to predict and can materially impact how we record and report our financial condition and results of operations. In some cases, we could be required to apply a new or revised standard retroactively, resulting in our restating prior period financial statements or otherwise adversely affecting our financial condition or results of operations.

There may be claims and litigation pertaining to fiduciary responsibility.

From time to time as part of the Corporation’s normal course of business, customers make claims and take legal action against the Corporation based on its actions or inactions related to the fiduciary responsibilities of the Wealth Management Group Services segment.  If such claims and legal actions are not resolved in a manner favorable to the Corporation, they may result in financial liability and/or adversely affect the market perception of the Corporation and its products and services. This may also impact customer demand for the Corporation’s products and services. Any financial liability or reputation damage could have a material adverse effect on the Corporation’s business, which, in turn, could have a material adverse effect on its financial condition and results of operations.

ITEM 1B.  UNRESOLVED STAFF COMMENTS

None.

 
22
 


ITEM 2.  PROPERTIES

The Corporation and the Bank currently conduct all their business activities from the Bank's main office in Elmira, New York, 34 full-service branch locations in a twelve county area, owned office space adjacent to the Bank's main office in Elmira, New York and ten off-site automated teller facilities (“ATMs”), all of which are located on leased property.  The main office is a six-story structure located at One Chemung Canal Plaza, Elmira, New York, in the downtown business district.  The main office consists of approximately 59,342 square feet of space, of which 745 square feet is occupied by the Corporation's subsidiary CFS Group, with the remaining 58,597 square feet entirely occupied by the Bank. The combined square footage of the 34 branch banking facilities totals approximately 177,000 square feet.  The office building adjacent to the main office was acquired in 1995 and consists of approximately 33,186 square feet of which 30,766 square feet are occupied by operating departments of the Bank and 2,420 square feet are leased.  The leased automated teller facility spaces total approximately 500 square feet. The Bank operates fourteen of its facilities (Auburn, Bath, Binghamton, Cortland, Clifton Park, Community Corners, Ithaca, Latham, Oakdale Mall, Slingerlands, Tioga, Vestal, and Albany-Washington Ave. and Wolf Rd Offices) and ten ATM’s (Collegetown Bagels, Corning Community College, Elmira College, Elmira/Corning Regional Airport, E-Z Food Mart, Hardinge Inc., Ithaca College, Lansing Market, Schuyler Hospital, and Quality Beverage) under lease arrangements.  The rest of its offices, including the main office and the adjacent office building, are owned by the Bank.  All properties owned or leased by the Bank are considered to be in good condition.

The Corporation holds no real estate in its own name.

ITEM 3.  LEGAL PROCEEDINGS

The Bank is a party in two legal proceedings involving its Wealth Management Group. In both proceedings, the Bank, as trustee pursuant to written trust instruments, has sought judicial settlement of trust accounts in the New York Surrogate’s Court for Chemung County. Individuals who are beneficiaries under the trusts have filed formal objections and/or demand letters with the Court in both of these accounting proceedings, objecting to the final settlement of the trust accounts. The objectants primarily assert that the Bank acted imprudently by failing to diversify the trusts’ investments and they claim $9.6 million and $24.1 million, consisting of damages and disallowed trustee’s commissions, plus unspecified legal fees in the respective proceedings. These proceedings are pending in the Surrogate’s Court.  While the outcome of litigation is not predictable the Bank believes that the claims are without merit and is vigorously defending them.  As of December 31, 2013, no amount has been accrued for potential losses related to these proceedings as a potential loss is not considered probable or reasonably estimable in the opinion of management.

In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries. Except for the above matter, we believe that we are not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on our financial results or liquidity.


ITEM 4.  MINE SAFETY DISCLOSURES

None

 
23
 

PART II

ITEM 5.  MARKET FOR THE REGISTRANT'S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES

The Corporation's stock is traded on the NASDAQ Global Market under the symbol “CHMG”.

The table below shows the price ranges for the Corporation’s common stock during each of the indicated quarters. Prior to November 16, 2012, the information is based upon actual transactions reported by brokerage firms that maintain a market for the Corporation’s common stock and other transactions known to management.  On November 14, 2012, the Corporation filed a Form 8-K with the SEC announcing that shares of its common stock would begin trading on the NASDAQ Global Market effective with the opening of trading on November 16, 2012.  Since November 16, 2012, through December 31, 2013, the information is based upon the high and low sales prices reported by the NASDAQ Global Market.

Common Stock Market Prices and Dividends Paid
During the Past Two Years

December 31, 2013
  
High
    
Low
  
Dividends
  
4th Quarter
$
36.00
  
$
30.23
  
$
0.26
  
3rd Quarter
  
35.85
    
30.31
    
0.26
  
2nd Quarter
  
34.53
    
30.18
    
0.26
  
1st  Quarter
  
33.99
    
28.41
    
0.00
  
                   
December 31, 2012
                  
4th Quarter
$
32.50
  
$
23.51
  
$
0.50
  
3rd Quarter
  
25.70
    
23.55
    
0.25
  
2nd Quarter
  
25.99
    
24.76
    
0.25
  
1st Quarter
  
26.00
    
22.65
    
0.25
  

Under New York law, the Corporation may pay dividends on our common stock either: (i) out of surplus, so that the Corporation’s net assets remaining after such payment equal the amount of its stated capital, or (ii) if there is no surplus, out of its net profits for the fiscal year in which the dividend is declared and/or the preceding fiscal year.  Our payment of dividends on our common stock is dependent, in large part, upon receipt of dividends from the Bank, which is subject to certain restrictions which may limit its ability to pay us dividends.  See Item 1, “Business – Regulation and Supervision-The Bank-Payment of Dividends” for an explanation of legal limitations on the Bank’s ability to pay dividends.

As of February 28, 2014, there were 1,226 registered holders of record of the Corporation's stock, which includes 608 Non Objecting Beneficial Owners (“NOBO”) shares held in street name.

The table below sets forth the information with respect to purchases made by the Corporation of our common stock during the quarter ended December 31, 2013:
Period
  
Total number of shares purchased
    
Average price paid per share
    
Total number of shares purchased as part of publicly announced plans or programs
    
Maximum number of shares that may yet be purchased under the plans or programs
  
10/1/13-10/31/13
    
  -
    
$
  -
      
  -
      
121,906
  
11/1/13-11/30/13
    
  -
    
$
  -
      
  -
      
121,906
  
12/1/13-12/31/13
    
  -
    
$
-
      
  -
      
121,906
  
Quarter ended 12/31/13
    
  -
    
$
  -
      
  -
      
121,906
  
(1) On December 19, 2012, the Corporation’s Board of Directors approved a stock repurchase plan authorizing the  purchase of up to 125,000 shares of the Corporation's outstanding common stock.  Purchases may be made from time to time on the open market or in private negotiated transactions and will be at the discretion of management.  For the year ending December 31, 2013, a total of 3,094 shares had been purchased under this plan.
  

 
24
 

STOCK PERFORMANCE GRAPH

The following graph compares the yearly change in the cumulative total shareholder return on the Corporation’s common stock against the cumulative total return of the NASDAQ Stock Market (U.S. Companies), NASDAQ Bank Stocks Index and SNL $1B - $5B Bank Index for the period of five years commencing December 31, 2008.

[Chemung Financial Performance Graph 2013]

   
Period Ending
  
Index
12/31/08
12/31/09
12/31/10
12/31/11
12/31/12
12/31/13
Chemung Financial Corporation
100.00
108.84
125.64
132.26
181.22
213.90
NASDAQ Composite
100.00
145.36
171.74
170.38
200.63
281.22
NASDAQ Bank
100.00
83.70
95.55
85.52
101.50
143.84
SNL Bank $1B-$5B
100.00
71.68
81.25
74.10
91.37
132.87

The cumulative total return includes (1) dividends paid and (2) changes in the share price of the Corporation’s common stock and assumes that all dividends were reinvested. The above graph assumes that the value of the investment in Chemung Financial Corporation and each index was $100 on December 31, 2008.


The Total Returns Index for NASDAQ Stock Market (U.S. Companies) and Bank Stocks indices were obtained from SNL Financial LC, Charlottesville, VA.

 
25
 

ITEM 6.  SELECTED FINANCIAL DATA

The following tables present selected financial data as of and for the years ended December 31, 2013, 2012, 2011, 2010 and 2009.  The selected financial data is derived from our audited consolidated financial statements.

The selected financial data should be read in conjunction with "Management's Discussion and Analysis of Financial Condition and Results of Operations" and our audited consolidated financial statements and related notes.

SUMMARIZED BALANCE SHEET DATA AT DECEMBER 31, (in thousands)
  
2013
    
2012
    
2011
    
2010
    
2009
  
Total assets
  
$
1,476,143
    
$
1,248,160
    
$
1,216,260
    
$
958,327
    
$
975,552
  
Loans
    
995,866
      
893,517
      
796,915
      
613,684
      
595,853
  
Investment securities
    
352,511
      
245,434
      
289,182
      
231,260
      
243,143
  
FHLBNY and FRBNY stock
    
4,482
      
4,710
      
5,509
      
3,329
      
3,281
  
Deposits
    
1,263,370
      
1,044,734
      
998,493
      
786,359
      
801,063
  
Securities sold under agreements to repurchase
    
32,701
      
32,711
      
37,107
      
44,775
      
54,263
  
FHLBNY advances
    
25,243
      
27,225
      
43,344
      
20,000
      
20,000
  
Shareholders' equity
    
138,578
      
131,115
      
125,929
      
97,409
      
90,086
  


SUMMARIZED EARNINGS DATA FOR THE YEARS ENDED DECEMBER 31, (in thousands)
  
2013
    
2012
    
2011
    
2010
    
2009
  
Net interest income
  
$
46,631
    
$
46,842
    
$
43,915
    
$
34,530
    
$
33,155
  
Provision for loan losses
    
2,755
      
828
      
958
      
1,125
      
2,450
  
Net interest income after provision
  for loan losses
  
$
43,876
    
 
46,014
      
42,957
      
33,405
      
30,705
  
Other operating income:
                                        
Wealth management group fee income
    
7,344
      
6,827
      
6,710
      
10,497
      
8,089
  
Securities gains, net
    
(13
)
    
301
      
1,108
      
451
      
785
  
Trust Preferred impairment
    
-
      
-
      
(67
)
    
(393
)
    
(2,242
) 
Net gains on sales of loans held for sale
    
503
      
484
      
179
      
242
      
259
  
Other income
    
10,242
      
9,576
      
9,534
      
8,848
      
8,819
  
Total other operating income
    
18,076
      
17,188
      
17,464
      
19,645
      
15,710
  
Other operating expenses
    
49,399
      
46,795
      
44,850
      
37,843
      
39,321
  
Income before income tax expense
    
12,553
      
16,407
      
15,571
      
15,207
      
7,094
  
Income tax expense
    
3,822
      
5,385
      
5,033
      
5,105
      
1,861
  
Net income
  
$
8,731
    
$
11,022
    
$
10,538
    
$
10,102
    
$
5,233
  


SELECTED PER SHARE DATA ON SHARES OF COMMON STOCK AT OR FOR THE YEARS ENDED DECEMBER 31,
  
2013
    
2012
    
2011
    
2010
    
2009
    
2008
    
% Change 2012
To
2013
    
Compounded Annual Growth 5 Years
  
Earnings per share (1)
  
$
1.87
    
$
2.38
    
$
2.40
    
$
2.80
    
$
1.45
    
$
2.32
      
-21.4
%
    
-4.2
%
Dividends declared
    
1.04
      
1.00
      
1.00
      
1.00
      
1.00
      
1.00
      
0.4
%
    
0.8
%
Tangible book value (2)
    
23.63
      
22.40
      
21.07
      
22.90
      
20.74
      
18.96
      
5.5
%
    
4.5
%
Market price at 12/31
    
34.17
      
29.89
      
22.75
      
22.30
      
21.25
      
20.40
      
14.3
%
    
10.9
%
Weighted average shares outstanding (in thousands)
    
4,660
      
4,641
      
4,383
      
3,607
      
3,603
      
3,594
      
0.4
%
    
5.3
%
(1) Earnings per share is computed by dividing net income by the weighted average number of common shares outstanding. There is no difference between basic and diluted earnings per share.
(2)  Tangible book value is total shareholders’ equity minus goodwill and other intangible assets, net.

 
26
 


SELECTED RATIOS AT OR FOR THE YEARS ENDED DECEMBER 31,
  
2013
    
2012
    
2011
    
2010
    
2009
  
Return on average assets
    
0.67
%
    
0.88
%
    
0.90
%
    
1.02
%
    
0.56
%
Return on average equity
    
6.50
%
    
8.41
%
    
8.77
%
    
10.64
%
    
6.13
%
Dividend yield at year end
    
3.08
%
    
4.20
%
    
4.40
%
    
4.48
%
    
4.71
%
Dividend payout
    
41.04
%
    
51.84
%
    
38.50
%
    
34.84
%
    
67.21
%
Total capital to risk adjusted assets
    
12.10
%
    
13.10
%
    
13.28
%
    
14.54
%
    
13.22
%
Tier I capital to risk adjusted assets
    
10.57
%
    
11.68
%
    
11.84
%
    
12.92
%
    
11.61
%
Tier I leverage ratio
    
8.08
%
    
8.74
%
    
8.27
%
    
8.72
%
    
7.89
%
Average equity to average assets
    
10.28
%
    
10.46
%
    
10.23
%
    
9.60
%
    
9.19
%
Year-end equity to year-end assets ratio
    
9.39
%
    
10.50
%
    
10.35
%
    
10.16
%
    
9.23
%
Loans to deposits
    
78.83
%
    
85.53
%
    
79.81
%
    
78.04
%
    
74.38
%
Allowance for loan losses to total loans
    
1.28
%
    
1.17
%
    
1.21
%
    
1.55
%
    
1.67
%
Allowance for loan losses to non-
  performing loans
    
150.11
%
    
172.96
%
    
70.97
%
    
89.62
%
    
168.65
%
Non-performing assets to total assets
    
0.61
%
    
0.53
%
    
1.19
%
    
1.18
%
    
0.67
%
Net interest rate spread
    
3.72
%
    
3.90
%
    
3.86
%
    
3.53
%
    
3.49
%
Net interest margin
    
3.85
%
    
4.07
%
    
4.07
%
    
3.81
%
    
3.89
%
Efficiency ratio (1)
    
74.77
%
    
71.30
%
    
71.21
%
    
68.35
%
    
78.40
%
(1) Efficiency ratio is operating expenses adjusted for amortization of intangible assets and stock donations divided by net interest income (before provision for loan losses) plus other operating income adjusted for non-taxable gains on stock donations.  The efficiency ratio is not adjusted for expenses related to mergers and acquisitions.

The following tables summarize the Corporation’s unaudited net income and basic earnings per share at each quarter end for the years 2013 and 2012 (in thousands of dollars except per share data):

   
2013
   
Quarter Ended
UNAUDITED QUARTERLY DATA
  
Mar. 31
    
June 30
    
Sept. 30
    
Dec. 31
  
Interest and dividend income
  
$
12,748
    
$
12,333
    
$
12,510
    
$
13,073
  
Interest expense
    
1,031
      
1,005
      
993
      
1,003
  
Net interest income
    
11,717
      
11,328
      
11,517
      
12,070
  
Provision for loan losses
    
431
      
450
      
874
      
1,000
  
Net interest income after provision for loan losses
    
11,286
      
10,878
      
10,643
      
11,070
  
Total other operating income
    
4,022
      
4,475
      
4,351
      
5,229
  
Total other operating expenses
    
11,725
      
11,392
      
11,813
      
14,471
  
Income before income tax expense
    
3,583
      
3,961
      
3,181
      
1,828
  
Income tax expense
    
1,171
      
1,306
      
1,002
      
343
  
Net Income
  
$
2,412
    
$
2,655
    
$
2,179
    
$
1,485
  
Basic and diluted earnings per share
  
$
0.52
    
$
0.57
    
$
0.46
    
$
0.32
  
 

 
   
2012
   
Quarter Ended
UNAUDITED QUARTERLY DATA
  
Mar. 31
    
June 30
    
Sept. 30
    
Dec. 31
  
Interest and dividend income
  
$
13,540
    
$
12,765
    
$
13,015
    
$
12,757
  
Interest expense
    
1,508
      
1,385
      
1,225
      
1,116
  
Net interest income
    
12,032
      
11,380
      
11,790
      
11,641
  
Provision for loan losses
    
477
      
52
      
225
      
74
  
Net interest income after provision for loan losses
    
11,555
      
11,328
      
11,565
      
11,567
  
Total other operating income
    
4,890
      
4,112
      
3,992
      
4,192
  
Total other operating expenses
    
10,931
      
11,881
      
11,340
      
12,642
  
Income before income tax expense
    
5,514
      
3,559
      
4,217
      
3,117
  
Income tax expense
    
1,899
      
1,115
      
1,383
      
987
  
Net Income
  
$
3,615
    
$
2,444
    
$
2,834
    
$
2,130
  
Basic and diluted earnings per share
  
$
0.78
    
$
0.53
    
$
0.61
    
$
0.46
  


 
27
 

ITEM 7.  MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATION

To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in Management’s Discussion and Analysis of Financial Condition and Results of Operations.

CDO: Collateralized Debt Obligation
GAAP:  U.S. generally accepted accounting principles
FASB:  Financial Accounting Standards Board
OTTI:  Other-Than-Temporary Impairment
FDIC:  Federal Deposit Insurance Corporation
PCI:  Purchased Credit Impaired
FHLBNY:  Federal Home Loan Bank of New York
SEC:  Securities and Exchange Commission
FRBNY:  Federal Reserve Bank of New York
TDR:  Troubled Debt Restructurings

The purpose of this discussion is to focus on information about the financial condition and results of operations of Chemung Financial Corporation (the “Corporation”).  Reference should be made to the accompanying consolidated financial statements and footnotes, and the selected financial data appearing elsewhere in this report for an understanding of the following discussion and analysis.

This discussion contains forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Exchange Act. The Corporation intends its forward-looking statements to be covered by the safe harbor provisions for forward-looking statements in these sections.  All statements regarding the Corporation's expected financial position and operating results, the Corporation's business strategy, the Corporation's financial plans, forecasted demographic and economic trends relating to the Corporation's industry and similar matters are forward-looking statements. These statements can sometimes be identified by the Corporation's use of forward-looking words such as "may," "will," "anticipate," "estimate," "expect," or "intend."  The Corporation cannot promise that its expectations in such forward-looking statements will turn out to be correct.  The Corporation's actual results could be materially different from expectations because of various factors, including changes in economic conditions or interest rates, credit risk, difficulties in managing the Corporation’s growth, competition, changes in law or the regulatory environment, including the Dodd-Frank Act, and changes in general business and economic trends. Information concerning these and other factors can be found in the Corporation’s periodic filings with the SEC, including the discussion under the heading “Item 1A. Risk Factors” in this form 10-K.  These filings are available publicly on the SEC’s web site at http://www.sec.gov, on the Corporation's web site at http://www.chemungcanal.com or upon request from the Corporate Secretary at (607) 737-3746. Except as otherwise required by law, the Corporation undertakes no obligation to publicly update or revise its forward-looking statements, whether as a result of new information, future events or otherwise.

Overview

The Corporation has been a financial holding company since 2000, and the Bank was established in 1833 and CFS Group, Inc. in 2001.  Through the Bank and CFS Group, Inc., the Corporation provides a wide range of financial services, including demand, savings and time deposits, commercial, residential and consumer loans, letters of credit, wealth management services, employee benefit plans, securities and insurance brokerage services.  The Bank relies substantially on a foundation of locally generated deposits.

The parent-only company has minimal results of operations.  The Bank derives its income primarily from interest and fees on loans, interest on investment securities, Wealth Management Group fee income and fees received in connection with deposit and other services.  The Bank’s operating expenses are interest expense paid on deposits and borrowings, salaries and employee benefit plans and general operating expenses.

 
28
 

2013 Highlights

·  
In the fourth quarter, the Bank completed the acquisition of six branch offices from Bank of America located in Cayuga, Cortland, Seneca and Tompkins counties in New York.  As part of the transaction, the Corporation acquired $177.7 million in deposits and $1.2 million in loans and incurred $1.4 million of pre-tax branch acquisition costs.

·  
Net income for 2013 was $8.7 million, or $1.87 per share, compared with $11.0 million, or $2.38 per share, for 2012, a decrease of $2.3 million, or 20.8%.

·  
Returns on average assets and average equity for 2013 were 0.67% and 6.50%, respectively, compared with 0.88% and 8.41%, respectively, for 2012.

·  
Net interest margin for 2013 was 3.85%, down from 4.07% for 2012.

·  
The non-performing assets to total assets ratio was 0.61% at December 31, 2013 compared with 0.53% at December 31, 2012.

·  
Book value per share was $29.67 at December 31, 2013 compared with $28.20 at December 31, 2012, an increase of $1.47, or 5.2%.  Tangible book value per share was $23.63 at December 31, 2013 compared with $22.40 at December 31, 2012, an increase of $1.23 or 5.5%.

·  
As a result of the branch acquisition, the tangible equity to tangible assets ratio decreased to 7.62% at December 31, 2013 compared with 8.53% at December 31, 2012.

Critical Accounting Policies, Estimates and Risks and Uncertainties

Critical accounting policies include the areas where the Corporation has made what it considers to be particularly difficult, subjective or complex judgments concerning estimates, and where these estimates can significantly affect the Corporation's financial results under different assumptions and conditions. The Corporation prepares its financial statements in conformity with GAAP.  As a result, the Corporation is required to make certain estimates, judgments and assumptions that it believes are reasonable based upon the information available at that time. These estimates, judgments and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the periods presented.  Actual results could be different from these estimates.

Management considers the accounting policy relating to the allowance for loan losses to be a critical accounting policy given the uncertainty in evaluating the level of the allowance required to cover probable incurred credit losses inherent in the loan portfolio, and the material effect that such judgments can have on the Corporation's results of operations. While management's current evaluation of the allowance for loan losses indicates that the allowance is adequate, under adversely different conditions or assumptions the allowance would need to be increased.  For example, if historical loan loss experience significantly worsened or if current economic conditions significantly deteriorated, additional provisions for loan losses would be required to increase the allowance.  In addition, the assumptions and estimates used in the internal reviews of the Corporation's non-performing loans and potential problem loans, and the associated evaluation of the related collateral coverage for these loans, has a significant impact on the overall analysis of the adequacy of the allowance for loan losses.  Real estate values in the Corporation’s market area did not increase dramatically in the prior several years, and, as a result, any declines in real estate values have been modest.  While management has concluded that the current evaluation of collateral values is reasonable under the circumstances, if collateral evaluations were significantly lowered, the Corporation's allowance for loan losses policy would also require additional provisions for loan losses.

 
29
 

Management also considers the accounting policy relating to OTTI of investment securities to be a critical accounting policy.  The determination of whether a decline in market value is other-than-temporary is necessarily a matter of subjective judgment. The timing and amount of any realized losses reported in the Corporation's financial statements could vary if management's conclusions were to change as to whether other-than-temporary impairment exists. The Corporation assesses whether it intends to sell, or it is more likely than not that it will be required to sell a security in an unrealized loss position before recovery of its amortized cost basis. If either of these criteria is met, the entire difference between amortized cost and fair value is recognized through a charge to earnings.  For those securities that do not meet the aforementioned criteria, such as those that management has determined to be other-than-temporarily impaired, the amount of impairment charged to earnings is limited to the amount related to credit losses, while impairment related to other factors is recognized in other comprehensive income.  The Corporation uses an OTTI evaluation model to compare the present value of expected cash flows to the previous estimate to determine if there are adverse changes in cash flows during the quarter.

Management also considers the accounting policy relating to the valuation of goodwill and other intangible assets to be a critical accounting policy.  The initial carrying value of goodwill and other intangible assets is determined using estimated fair values developed from various sources and other generally accepted valuation techniques.  Estimates are based upon financial, economic, market and other conditions as they existed as of the date of a particular acquisition.  These estimates of fair value are the results of judgments made by the Corporation based upon estimates that are inherently uncertain and changes in the assumptions upon which the estimates were based may have a significant impact on the resulting estimates.  In addition to the initial determination of the carrying value, on an ongoing basis management must assess whether there is any impairment of goodwill and other intangible assets that would require an adjustment in carrying value and recognition of a loss in the consolidated statement of income.

Financial Condition

Summary

Consolidated assets at December 31, 2013 totaled $1.476 billion, an increase of $227.9 million or 18.3% since December 31, 2012.  The growth was due primarily to increases of $106.3 million in investment securities available for sale and $102.4 million, or 11.5%, in total portfolio loans.  The increase in portfolio loans was due to strong growth of $64.5 million in commercial loans and $42.4 million in consumer loans.

Total liabilities increased $220.5 million to $1.338 billion at December 31, 2013, due primarily to an increase of $218.6 million in deposits.  The growth in deposits was due primarily to increases of $177.7 million from the branch acquisition and $40.9 million in organic deposit growth.  Total shareholders’ equity was $138.6 million at December 31, 2013, an increase of $7.5 million from December 31, 2012, due primarily to the Corporation’s net income of $8.7 million and a $3.0 million reduction in accumulated other comprehensive loss, partially offset by declared dividends of $4.8 million.

The market value of total assets under management or administration in the Corporation’s Wealth Management Group was $1.888 billion at December 31, 2013 compared with $1.735 billion at December 31, 2012, an increase of $153.0 million, or 8.8%.

 
30
 


Balance Sheet Comparisons

Table 1 contains selected average balance sheet information for each year in the six-year period ended December 31, 2013 (in millions of dollars):

TABLE 1. SELECTED AVERAGE BALANCE SHEET INFORMATION
Average Balance Sheet
  
2013
    
2012
    
2011
    
2010
    
2009
    
2008
    
% Change 2012 to 2013
    
Compounded Annual Growth 5 Years
  
Total Assets
  
$
1,306.4
    
$
1,253.7
    
$
1,175.0
    
$
988.6
    
$
928.8
    
$
837.5
    
4.2
%
    
9.3
%
Earning Assets (1)
    
1,209.7
      
1,150.4
      
1,078.4
      
905.5
      
852.4
      
757.3
    
5.2
%
    
9.8
%
Loans (2)
    
942.9
      
844.2
      
741.0
      
590.6
      
586.7
      
561.6
    
11.7
%
    
10.9
%
Investments (3)
    
266.8
      
306.2
      
337.4
      
314.9
      
265.7
      
195.7
    
-12.9
%
    
6.4
%
Deposits
    
1,090.5
      
1,042.7
      
965.2
      
817.6
      
752.4
      
649.7
    
4.6
%
    
10.9
%
Borrowings (4)
    
69.5
      
70.7
      
81.3
      
68.4
      
79.2
      
87.2
    
-1.7
%
    
-4.4
%
Shareholders’ Equity
    
134.3
      
131.1
      
120.2
      
94.9
      
85.4
      
89.2
    
2.4
%
    
8.5
%
(1) Average earning assets include securities available for sale and securities held to maturity based on amortized cost, loans net of deferred origination fees and costs and unearned income, interest-bearing deposits, FHLBNY stock, FRBNY stock and federal funds sold.
(2) Average loans, net of deferred origination fees and costs, and unearned income.
(3) Average balances for investments include securities available for sale and securities held to maturity, based on amortized cost, FHLBNY stock, FRBNY stock, federal funds sold and interest-bearing deposits.
(4) Average borrowings include FHLBNY advances and securities sold under agreements to repurchase.


Table 2 contains selected period-end balance sheet information for each year in the six-year period ended December 31, 2013 (in millions of dollars):

TABLE 2. SELECTED PERIOD-END BALANCE SHEET INFORMATION
Ending Balance Sheet
  
2013
    
2012
    
2011
    
2010
    
2009
    
2008
    
% Change 2012 to 2013
    
Compounded Annual Growth 5 Years
  
Total Assets
  
$
1,476.1
    
$
1,248.2
    
$
1,216.3
    
$
958.3
    
$
975.6
    
$
838.3
    
18.3
%
    
12.0
%
Earning Assets (1)
    
1,372.9
      
1,154.7
      
1,116.3
      
892.4
      
900.9
      
770.4
    
18.9
%
    
12.2
%
Loans (2)
    
995.9
      
893.5
      
796.9
      
613.7
      
595.9
      
565.2
    
11.5
%
    
12.0
%
Allowance for loan losses
    
12.8
      
10.4
      
9.7
      
9.5
      
10.0
      
9.1
    
22.5
%
    
7.01
%
Investments (3)
    
377.0
      
261.2
      
319.4
      
278.7
      
305.0
      
205.2
    
44.4
%
    
12.9
%
Deposits
    
1,263.4
      
1,044.7
      
998.5
      
786.4
      
801.1
      
656.9
    
20.9
%
    
14.0
%
Borrowings (4)
    
57.9
      
59.9
      
80.5
      
64.8
      
74.3
      
83.4
    
-3.3
%
    
-7.0
%
Shareholders’ Equity
    
138.6
      
131.1
      
125.9
      
97.4
      
90.1
      
83.0
    
5.7
%
    
10.8
%
(1) Earning assets include securities available for sale, at estimated fair value and securities held to maturity based on amortized cost, loans net of deferred origination fees and costs and unearned income, interest-bearing deposits, FHLBNY stock, FRBNY stock and federal funds sold.
(2) Loans, net of deferred origination fees and costs, and unearned income.
(3) Investments include securities available for sale, at estimated fair value, securities held to maturity, at amortized cost, FHLBNY stock, FRBNY stock, federal funds sold and interest-bearing deposits.
(4) Borrowings include FHLBNY advances and securities sold under agreements to repurchase.

 
31
 


Cash and Cash Equivalents

Total cash and cash equivalents increased $11.4 million since December 31, 2012, due primarily to increases of $9.0 million in interest-bearing deposits in other financial institutions and $2.4 million in cash and due from financial institutions.  The increases were due to additional cash from the branch acquisition that was not used to help fund the increase in investment securities and portfolio loans.  The Corporation continues to evaluate alternative investment of these funds with caution, given the low interest rate environment.

Securities

The Corporation’s Funds Management Policy includes an investment policy that in general, requires debt securities purchased for the bond portfolio to carry a minimum agency rating of "A".  After an independent credit analysis is performed, the policy also allows the Corporation to purchase local municipal obligations that are not rated.  The Corporation intends to maintain a reasonable level of securities to provide adequate liquidity and in order to have securities available to pledge to secure public deposits, repurchase agreements and other types of transactions.  Fluctuations in the fair value of the Corporation’s securities relate primarily to changes in interest rates.

Marketable securities are classified as Available for Sale, while investments in local municipal obligations are generally classified as Held to Maturity.  The composition of the available for sale segment of the securities portfolio is summarized in Table 3 as follows (in thousands of dollars):

TABLE 3. SECURITIES AVAILABE FOR SALE

   
2013
    
2012
  
Securities Available for Sale
  
Amortized Cost
    
Estimated Fair Value
    
Unrealized Gains (Losses)
    
Amortized Cost
    
Estimated Fair Value
    
Unrealized Gains (Losses)
  
Obligations of U.S. Government and U.S Government
  sponsored enterprises
  
$
187,098
    
$
188,106
    
$
1,008
    
$
138,041
    
$
141,591
    
$
3,550
  
Mortgage-backed securities, residential
    
104,069
      
104,357
      
288
      
29,592
      
31,515
      
1,923
  
Collateralized mortgage obligations
    
1,001
      
1,015
      
14
      
3,495
      
3,543
      
48
  
Obligations of states and political
  Subdivisions
    
37,339
      
38,376
      
1,037
      
39,175
      
40,815
      
1,640
  
Corporate bonds and notes
    
2,879
      
2,946
      
67
      
11,412
      
11,652
      
240
  
SBA loan pools
    
1,471
      
1,488
      
17
      
1,683
      
1,724
      
41
  
Trust preferred securities
    
1,898
      
2,033
      
135
      
2,519
      
2,471
      
(48
)
Corporate stocks
    
444
      
7,695
      
7,251
      
736
      
6,375
      
5,639
  
     Totals
  
$
336,199
    
$
346,016
    
$
9,817
    
$
226,653
    
$
239,686
    
$
13,033
  

The available for sale segment of the securities portfolio totaled $346.0 million at December 31, 2013, an increase of $106.3 million, or 44.4%, from $239.7 million at December 31, 2012.  The increase resulted primarily from purchases of $174.0 million, partially offset by sales and calls of $18.1 million, and maturities and principal collected of $44.0 million.  The increase in securities available for sale was funded from the deposits acquired in the branch acquisition.

The held to maturity segment of the securities portfolio consists of obligations of political subdivisions in the Corporation’s market areas.  These securities totaled $6.5 million at December 31, 2013, an increase of $0.8 million, or 13.0%, from $5.7 million at December 31, 2012.  The increase resulted primarily from purchases of $6.4 million, partially offset by maturities and principle collected of $5.7 million.

 
32
 


Non-marketable equity securities at December 31, 2013 include shares of FRBNY stock and FHLBNY stock, carried at their cost of $1.7 million and $2.8 million, respectively. The fair value of these securities is assumed to approximate their cost.  The investment in these stocks is regulated by regulatory policies of the respective institutions.

Table 4 sets forth the carrying amounts and maturities of available for sale and held to maturity debt securities at December 31, 2013 and the weighted average yields of such securities (all yields are calculated on the basis of the amortized cost and weighted for the scheduled maturity of each security, except mortgage-backed securities which are based on the average life at the projected prepayment speed of each security).  Federal tax equivalent adjustments have not been made in calculating yields on municipal obligations (in thousands of dollars):

TABLE 4. MATURIES AND YIELDS OF AVAILABLE FOR SALE AND
HELD TO MATURITY SECURITIES

   
Maturing
  
   
Within One Year
    
After One, But Within Five Years
  
After Five, But Within Ten Years
  
After Ten Years
  
     
Amount
  
Yield
      
Amount
  
Yield
      
Amount
  
Yield
        
Amount
  
Yield
    
Obligations of U.S. Government
  and U.S. Government sponsored
  enterprises
  
$
10,289
  
1.38
%
  
$
162,945
  
1.56
%
  
$
14,872
  
2.23
%
    
$
-
  
-
    
Mortgage-backed securities,
  Residential
    
670
  
3.78
%
    
68,951
  
2.29
%
    
34,670
  
2.18
%
      
65
  
2.40
%
  
Collateralized mortgage
  obligations
    
874
  
2.35
%
    
141
  
4.67
%
    
-
  
-
        
-
  
-
    
Obligations of states and political
  subdivisions
    
11,966
  
2.09
%
    
28,252
  
2.61
%
    
3,629
  
3.00
%
      
-
  
-
    
Corporate bonds and notes
    
1,385
  
2.94
%
    
1,323
  
4.04
%
    
238
  
3.25
%
      
-
  
-
    
SBA loan pools
    
-
  
-
      
341
  
1.46
%
    
1,147
  
1.85
%
      
-
  
-
    
Trust preferred securities
    
2,034
  
8.93
%
    
-
  
-
%
    
-
  
-
        
-
  
-
%
  
     Total
  
$
27,218
  
2.40
%
  
$
261,953
  
1.88
%
  
$
54,556
  
2.24
%
    
$
65
  
2.40
%
  

Management evaluates securities for OTTI on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For the years ended December 31, 2013 and 2012, the Corporation had no OTTI charges.  During the fourth quarter of 2013, the Corporation sold one CDO consisting of a pool of trust preferred securities that had an amortized cost of $0.6 million.  The CDO was sold for $0.6 million, resulting in a slight loss.  The CDO was sold in light of the uncertainty surrounding the recently released rules contained in the “Volcker Rule” provision of the Dodd-Frank Act regarding the ability of banks to hold these types of securities and based on current market conditions.  In addition to the CDO that was sold in the fourth quarter of 2013, the remaining CDO was liquidated and the Corporation will record approximately $0.5 million in other income during the first quarter of 2014.  The Corporation does not own any other CDOs in its investment securities portfolio.  For more detailed information on OTTI, see Footnote (3), “Securities” in the Notes to Consolidated Financial Statements.

 
33
 


Loans

The Corporation has reporting systems to monitor: (i) loan originations and concentrations, (ii) delinquent loans, (iii) non-performing assets, including non-performing loans, troubled debt restructurings, other real estate owned, (iv) impaired loans, and (v) potential problem loans.  Management reviews these systems on a regular basis.

Table 5 shows the Corporation's loan composition by segment and percentage of total loans at the end of each of the last five years (in thousands of dollars):

   
TABLE 5. LOANS
  
   
December 31,
  
   
2013
    
%
      
2012
    
%
    
2011
    
%
      
2010
    
%
    
2009
    
%
  
                                                           
Commercial and
  agricultural
  
$
145,362
    
14.6
    
 $
133,851
    
15.0
  
 
$
142,209
    
17.8
    
$
114,697
    
18.7
    
$
118,303
    
19.9
  
Commercial
  mortgages
    
373,147
    
37.5
      
320,198
    
35.9
    
264,589
    
33.2
      
133,070
    
21.7
      
123,669
    
20.7
  
Residential
  mortgages
    
195,997
    
19.7
      
200,475
    
22.4
    
193,600
    
24.3
      
173,468
    
28.3
      
162,447
    
27.3
  
Indirect consumer
  loans
    
164,846
    
16.5
      
130,573
    
14.6
    
97,165
    
12.2
      
98,941
    
16.1
      
94,122
    
15.8
  
Consumer loans
    
116,514
    
11.7
      
108,420
    
12.1
    
99,352
    
12.5
      
93,508
    
15.2
      
97,312
    
16.3
  
     Total
  
$
995,866
    
100.0
    
 $
893,517
    
100.0
  
 
$
796,915
    
100.0
    
$
613,684
    
100.0
    
$
595,853
    
100.0
  


Portfolio loans totaled $995.9 million at December 31, 2013, an increase of $102.4 million, or 11.5%, from $893.5 million at December 31, 2012.  The increase in portfolio loans was due to strong growth of $64.5 million, or 14.2%, in commercial loans and $42.4 million, or 17.7%, in consumer loans. The growth in commercial loans was due primarily to an increase of $51.7 million in commercial loans in the Capital Bank division in the Albany, New York region.  The growth in consumer loans was primarily due to increases of $34.2 million in indirect consumer loans and $8.9 million in home equity loans.  The Corporation conducted a marketing campaign for direct consumer loans during the second and third quarters of 2013.

Residential mortgage loans totaled $196.0 million at December 31, 2013, a decrease of $4.5 million, or 2.2%, from December 31, 2012.  In addition, during 2013, $18.8 million of residential mortgages were sold in the secondary market to Freddie Mac, with an additional $0.7 million of residential mortgages sold to the State of New York Mortgage Agency.

The Corporation anticipates that future growth in portfolio loans will continue to be in commercial mortgages and indirect consumer loans.

Loan concentrations are considered to exist when there are amounts loaned to a multiple number of borrowers engaged in similar activities which would cause them to be similarly impacted by economic or other conditions.  The Corporation’s concentration policy limits the volume of commercial loans to any one specific industry.  Specific industries are identified using the North American Industry Classification System (“NAICS”) codes.  The volume of commercial loans, with the exception of commercial mortgages, to any one specific industry is limited to Tier 1 capital plus the allowance for loan losses.  The volume of commercial mortgages is limited to three times the total of Tier 1 capital plus the allowance for loan losses.  The Corporation is in compliance with the concentration policy limits.

 
34
 


The Corporation also monitors specific NAICS industry classifications of commercial loans to indentify concentrations greater than 10.0% of total loans.  At December 31, 2013 and 2012, commercial loans to borrowers involved in the real estate, and real estate rental and lending businesses were 31.1% and 27.7% of total loans, respectively.  No other concentration of loans existed in the commercial loan portfolio in excess of 10.0% of total loans as of December 31, 2013 and 2012.

Table 6 shows the maturity of only commercial and agricultural loans and commercial mortgages outstanding as of December 31, 2013.  Also provided are the amounts due after one year, classified according to the sensitivity to changes in interest rates (in thousands of dollars):

   
TABLE 6. LOAN AMOUNTS CONTRACTUALLY DUE AFTER DECEMBER 31, 2013
  
   
Within One Year
    
After One But Within Five Years
    
After Five Years
    
Total
  
                         
Commercial, agricultural and commercial mortgages
  
$
70,130
    
$
98,949
    
$
349,430
    
$
518,509
  
Loans maturing after one year with:
                                
    Fixed interest rates
  
$
24,334
       $
71,177
       $
111,412
       $
206,923
  
    Variable interest rates
    
45,796
      
27,772
      
238,018
      
311,586
  
     Total
  
$
70,130
    
$
98,949
    
$
349,430
    
$
518,509
  

Non-Performing Assets

Non-performing assets consist of non-accrual loans, non-accrual troubled debt restructurings and other real estate owned that has been acquired in partial or full satisfaction of loan obligations or upon foreclosure.

Past due status on all loans is based on the contractual terms of the loan.  It is generally the Corporation's policy that a loan 90 days past due be placed in non-accrual status unless factors exist that would eliminate the need to place a loan in this status.  A loan may also be designated as non-accrual at any time if payment of principal or interest in full is not expected due to deterioration in the financial condition of the borrower.  At the time loans are placed in non-accrual status, the accrual of interest is discontinued and previously accrued interest is reversed.  All payments received on non-accrual loans are applied to principal.  Loans are considered for return to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.  In the case of non-accrual loans where a portion of the loan has been charged off, the remaining balance is kept in non-accrual status until the entire principal balance has been recovered.

 
35
 


Table 7 summarizes the Corporation's non-performing assets, excluding purchased credit impaired (“PCI”) loans acquired in the acquisition of FOFC (in thousands of dollars):

TABLE 7. NON-PERFORMING ASSETS

December 31,
  
2013
    
2012
    
2011
    
2010
    
2009
  
Non-accrual loans
  
$
7,456
    
$
5,667
    
$
9,554
    
$
6,805
    
$
5,703
  
Non-accrual troubled debt restructurings
    
1,061
      
365
      
4,057
      
3,793
      
207
  
Total non-performing loans
    
8,517
      
6,032
      
13,611
      
10,598
      
5,910
  
Other real estate owned
    
538
      
565
      
898
      
741
      
649
  
Total non-performing assets
  
$
9,055
    
$
6,597
    
$
14,509
    
$
11,339
    
$
6,559
  

Ratio of non-performing loans to
  total loans
    
0.86
 %
    
0.68
%
    
1.71
%
    
1.73
%
    
0.99
%
Ratio of non-performing assets
  to total assets
    
0.61
%
    
0.53
%
    
1.19
%
    
1.18
%
    
0.67
%
Ratio of allowance for loan losses to
  non-performing loans
    
150.01
%
    
172.96
%
    
70.97
%
    
89.62
%
    
168.65
%
                                         
Accruing loans past due 90 days
  or more (1)
    
1,473
      
4,484
      
7,304
      
11
      
517
  
Accruing troubled debt restructurings (1)
    
6,831
      
5,364
      
-
      
659
      
7,377
  
(1)  
These loans are not included in nonperforming assets above.

Table 8 shows interest income on non-accrual and troubled debt restructured loans for the indicated years ended December 31 (in thousands of dollars):

TABLE 8. INTEREST INCOME ON NON-ACCRUAL AND
 TROUBLED DEBT RESTRUCTURED LOANS
   
2013
    
2012
    
2011
  
Interest income that would have been recorded under original terms
  
$
541
    
$
666
    
$
1,009
  
Interest income recorded during the period
  
$
421
    
$
12
    
$
34
  

Non-Performing Loans

The recorded investment in non-performing loans at December 31, 2013, totaled $8.5 million compared to $6.0 million at year-end 2012, an increase $2.5 million.  The increase in non-performing loans was due to increases of $1.8 million in non-accrual loans and $0.7 million in non-accrual TDRs.  Non-performing commercial loans increased $1.6 million and non-performing residential mortgages increased $0.9 million.

The recorded investment in accruing loans 90 days or more past due totaled $1.5 million at December 31, 2013, compared with $4.5 million at year-end 2012, a decrease of $3.0 million.  This decrease was due to a decrease of $3.0 million in acquired construction loans not considered by management to be PCI loans, which for a variety of reasons are 90 days or more past their stated maturity dates.  These loans totaled $1.5 million at December 31, 2013.  However, the borrowers continue to make required interest payments.  Additionally, these loans carry third party credit enhancements, and based on the strength of those credit enhancements, the Corporation has not identified these loans as PCI loans and expects to incur no losses on these loans.

Not included in the non-performing loan totals are loans acquired in the April 2011 acquisition of FOFC and its wholly-owned subsidiary, Capital Bank, which the Corporation had identified as PCI loans totaled $9.7 million and $10.7 million at December 31, 2013 and 2012, respectively.  The PCI loans are accounted for under separate accounting guidance, Accounting Standards Codification (“ASC”) Subtopic 310-30, “Receivables - Loans and Debt Securities Acquired with Deteriorated Credit Quality” as disclosed in Note 4 of the financial statements.


 
36
 


Troubled Debt Restructurings

The Corporation works closely with borrowers that have financial difficulties to identify viable solutions that minimize the potential for loss.  In that regard, the Corporation modified the terms of select loans to maximize their collectability.  The modified loans are considered TDRs under current accounting guidance.  Modifications generally involve short-term deferrals of principal and/or interest payments, reductions of scheduled payment amounts, interest rates or principal of the loan, and forgiveness of accrued interest.  As of December 31, 2013, the Corporation had $1.1 million of non-accrual TDRs compared with $0.4 million as of December 31, 2012.  The increase in non-accrual TDRs was primarily in the commercial loan segment of the loan portfolio.  As of December 31, 2013, the Corporation had $6.8 million of accruing TDRs compared with $5.3 million as of December 31, 2012.  The increase in accruing TDRs was primarily in the commercial loan segment of the loan portfolio.

Impaired Loans

Impaired loans at December 31, 2013 totaled $13.9 million, including TDRs of $7.9 million, compared with $12.7 million at December 31, 2012, including TDRs of $5.7 million.  Not included in the impaired loan totals are loans acquired in the FOFC acquisition which the Corporation has identified as PCI loans, as these loans are accounted for under ASC Subtopic 310-30 as noted under the above discussion of non-performing loans.  The increase of $1.2 million in impaired loans resulted principally from an increase in impaired commercial loans.  Included in the impaired loan total at December 31, 2013, are loans totaling $2.0 million for which impairment allowances of $1.0 million have been specifically allocated to the allowance for loan losses.  As of December 31, 2012, the impaired loan total included $0.8 million of loans for which specific impairment allowances of $0.2 million were allocated to the allowance for loan losses.  The increase in the amount of impaired loans for which specific allowances were allocated to the allowance for loan losses was due primarily to an increase in impaired commercial loans.

The majority of the Corporation's impaired loans are secured and measured for impairment based on collateral evaluations.  It is the Corporation's policy to obtain updated appraisals, by independent third parties, on loans secured by real estate at the time a loan is determined to be impaired.  An impairment measurement is performed based upon the most recent appraisal on file to determine the amount of any specific allocation or charge-off.  In determining the amount of any specific allocation or charge-off, the Corporation will make adjustments to reflect the estimated costs to sell the property.  Upon receipt and review of the updated appraisal, an additional measurement is performed to determine if any adjustments are necessary to reflect the proper provisioning or charge-off.  Impaired loans are reviewed on a quarterly basis to determine if any changes in credit quality or market conditions would require any additional allocation or recognition of additional charge-offs.  Real estate values in the Corporation's market area had not increased dramatically in the prior several years and, as a result, declines in real estate values have been modest.  Non-real estate collateral may be valued using (i) an appraisal, (ii) net book value of the collateral per the borrower’s financial statements, or (iii) aging reports, that may be adjusted based on management’s knowledge of the client and client’s business.  If market conditions warrant, future appraisals are obtained for both real estate and non-real estate collateral.

 
37
 


Allowance for Loan Losses

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.  The allowance is established based on management’s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.

A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.  Specific valuation allowances are established based on management’s analyses of individually impaired loans.  Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.  Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.  For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.  These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy.

The allowance for loan losses is increased through a provision for loan losses charged to operations.  Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.  Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.  In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

 
38
 


Prior to December 31, 2012, the Corporation utilized the sum of all allowance amounts derived as described above, combined with a reasonable unallocated allowance, as the primary indicator of the appropriate level of allowance for loan losses.  During the fourth quarter of 2012, the Corporation refined its allowance calculation whereby it “allocated” the portion of the allowance that was previously deemed to be unallocated allowance.  This refined allowance calculation included specific allowance allocations for qualitative factors including (i) concentrations of credit, (ii) general economic and business conditions, (iii) trends that could affect collateral values and (iv) expectations regarding the current business cycle.  The Corporation may also consider other qualitative factors in future periods for additional allowance allocations, including, among other factors, (1) credit quality trends (including trends in non-performing loans expected to result from existing conditions), (2) seasoning of the loan portfolio, (3) specific industry conditions affecting portfolio segments, (4) the Corporation’s expansion into new markets and (5) the offering of new loan products.

Table 9 summarizes the Corporation’s allocation of the allowance for loan losses and percent of loans by category to total loans for each year in the five-year period ended December 31, 2013 (in thousands of dollars):

TABLE 9. ALLOCATION OF ALLOWANCE FOR LOAN LOSSES
       
Balance at end of period applicable to:
    
2013
  
%
  
2012
    
%
    
2011
    
%
    
2010
    
%
    
2009
    
%
  
Commercial and agricultural
  
$
1,979
  
14.6
  
$
1,708
      
15.0
    
$
3,143
      
17.8
    
$
2,118
      
18.6
    
$
3,133
      
19.9
  
Commercial mortgages
    
6,243
  
37.5
    
4,428
      
35.9
      
2,570
      
33.2
      
2,575
      
21.7
      
3,073
      
20.7
  
Residential mortgages
    
1,517
  
19.7
    
1,565
      
22.4
      
1,310
      
24.3
      
1,302
      
28.3
      
1,125
      
27.3
  
Consumer loans
    
3,037
  
28.2
    
2,706
      
26.7
      
2,193
      
24.7
      
2,727
      
31.4
      
2,636
      
32.1
  
     
12,776
  
100.0
    
10,407
      
100.0
      
9,216
      
100.0
      
8,722
      
100.0
      
9,967
      
100.0
  
Unallocated
    
-
  
N/A
    
26
      
N/A
      
443
      
N/A
      
776
      
N/A
      
-
      
N/A
  
Total
  
$
12,776
  
100.0
  
$
10,433
      
100.0
    
$
9,659
      
100.0
    
$
9,498
      
100.0
    
$
9,967
      
100.0
  

The allowance for loan losses was $12.8 million at December 31, 2013, up from $10.4 million at December 31, 2012.  The ratio of allowance for loan losses to total loans was 1.28% at December 31, 2013, compared to 1.17% at December 31, 2012.  The increase in the allowance for loan losses was due principally to the establishment of $0.9 million in additional specific reserves on three commercial loans, loan portfolio growth and allowances for the growth after consideration of the factors discussed above, and higher net charge-offs.


 
39
 


Table 10 summarizes the Corporation's loan loss experience for each year in the five-year period ended December 31, 2013 (in thousands of dollars, except ratio data):

TABLE 10. SUMMARY OF LOAN LOSS EXPERIENCE
   
Years Ended December 31,
  
 
  
2013
    
2012
    
2011
    
2010
    
2009
  
Allowance for loan losses at beginning of year
     $
10,433
    
$
9,659
    
$
9,498
    
$
9,967
    
$
9,106
  
Reclassification of acquired loan discount
            
124
      
-
      
-
      
-
  
Charge-offs:
                                        
   Commercial and agricultural
    
186
      
181
      
686
      
817
      
92
  
   Commercial mortgages
    
44
      
335
      
19
      
471
      
297
  
   Real estate mortgages
    
124
      
83
      
67
      
83
      
30
  
   Consumer loans
    
1,082
      
645
      
678
      
795
      
1,400
  
   Home equity
    
57
      
29
      
48
      
45
      
23
  
Total
    
1,493
      
1,273
      
1,498
      
2,211
      
1,842
  
Recoveries:
                                        
   Commercial and agricultural
    
537
      
802
      
423
      
414
      
68
  
   Commercial mortgages
    
98
      
55
      
41
      
15
      
15
  
   Real estate mortgages
    
65
      
-
      
45
      
-
      
-
  
   Consumer loans
    
375
      
228
      
190
      
188
      
170
  
   Home Equity
    
6
      
10
      
2
      
-
      
-
  
Total
    
1,081
      
1,095
      
701
      
617
      
253
  
     Net charge-offs
    
412
      
178
      
797
      
1,594
      
1,589
  
Provision charged to operations
    
2,755
      
828
      
958
      
1,125
      
2,450
  
Allowance for loan losses at end of year
     $
12,776
    
$
10,433
    
$
9,659
    
$
9,498
    
$
9,967
  
Ratio of net charge-offs during year to average loans outstanding
    
.04
%
    
.02
%
    
.11
%
    
.27
%
    
.27
%
Ratio of allowance for loan losses to total loans outstanding
    
1.28
%
    
1.17
%
    
1.21
%
    
1.55
%
    
1.67
%

Net charge-offs for 2013 were $0.4 million compared with $0.2 million for 2012.  The ratio of net charge-offs to average loans outstanding was 0.04% for 2013 compared to 0.02% for 2012.  The increase in net charge-offs was due primarily to an increase of $0.4 million in consumer loan charge-offs, partially offset by a decline of $0.3 million in commercial mortgage charge-offs.

Other Real Estate Owned

At December 31, 2013, other real estate owned (“OREO”) totaled $0.5 million compared to $0.6 million at December 31, 2012.

Other Assets

The $4.3 million increase in other assets was due primarily to an improvement in the funded status of the Corporation’s pension plan, partially offset by a decline in prepaid FDIC insurance premiums.

Deposits

Deposits totaled $1.263 billion at December 31, 2013, compared with $1.045 billion at December 31, 2012, an increase of $218.6 million, or 20.9%.  The growth was primarily due to $177.7 million from the branch acquisition and $40.9 million in organic deposit growth.  At December 31, 2013, demand deposit and money market accounts comprised 65.5% of total deposits compared with 60.7% at December 31, 2012.  Sorted by public, commercial and consumer sources, the growth in deposits was due primarily to increases of $154.8 million in consumer accounts, $36.2 million in public funds and $31.4 million in commercial accounts.

 
40
 


In addition to consumer, commercial and public deposits, other sources of funds include brokered deposits.  Brokered deposits include funds obtained through brokers, and the Bank’s participation in the Certificate of Deposit Account Registry Service (“CDARS”) program.  The CDARS program involves a network of financial institutions that exchange funds among members in order to ensure FDIC insurance coverage on customer deposits above the single institution limit.  Using a sophisticated matching system, funds are exchanged on a dollar-for-dollar basis, so that the equivalent of an original deposit comes back to the originating institution.  Deposits obtained through brokers were $5.0 million and $8.8 million as of December 31, 2013 and 2012, respectively.  Deposits obtained through the CDARS program were $35.7 million and $8.1 million as of December 31, 2013 and 2012, respectively.  The increase in CDARS deposits was due to the Corporation offering the CDARS program to local municipalities during 2013.

The Corporation’s deposit strategy is to fund the Bank with stable, low-cost deposits, primarily checking account deposits and other low interest-bearing deposit accounts.  A checking account is the driver of a banking relationship and consumers consider the bank where they have their checking account as their primary bank.  These customers will typically turn to their primary bank first when in need of other financial services.  Strategies that have been developed and implemented to generate these deposits include: (i) acquire deposits by entering new markets through de novo branching, (ii) an annual checking account marketing campaign, (iii) training branch employees to identify and meet client financial needs with Bank products and services, (iv) link business and consumer loans to primary checking account at the Bank, (v) aggressively promote direct deposit of client’s payroll checks or benefit checks and (vi) constantly monitor the Corporation’s pricing strategies to ensure competitive products and services.

The Corporation also considers brokered deposits to be an element of its deposit strategy and anticipates that it will continue using brokered deposits as a secondary source of funding to support growth.

Information regarding deposits is included in Note 7 to the consolidated financial statements appearing elsewhere in this report.

Borrowings

FHLBNY term advances decreased $2.0 million during 2013.  As a result of the increase in deposits, the Corporation decided not to replace FHLBNY advances that matured.

For each of the three years ended December 31, 2013, 2012 and 2011, respectively, the average outstanding balance of borrowings that mature in one year or less did not exceed 30% of shareholders' equity.

Information regarding securities sold under agreements to repurchase and FHLBNY advances is included in notes 8 and 9 to the consolidated financial statements appearing elsewhere in this report.

Liquidity and Capital Resources

Liquidity management involves the ability to meet the cash flow requirements of deposit clients, borrowers, and the operating, investing and financing activities of the Corporation.  The Corporation uses a variety of resources to meet its liquidity needs. These include short term investments, cash flow from lending and investing activities, core-deposit growth and non-core funding sources, such as time deposits of $100,000 or more, securities sold under agreements to repurchase and other borrowings.

The Corporation is a member of the FHLBNY which allows it to access borrowings which enhance management's ability to satisfy future liquidity needs.  Based on available collateral and current advances outstanding, the Corporation was eligible to borrow up to a total of $73.1 million and $104.5 million at December 31, 2013 and 2012, respectively.  The Corporation also had a total of $28.0 million of unsecured lines of credit with four different financial institutions, all of which was available at December 31, 2013 and 2012.

 
41
 


During 2013, cash and cash equivalents increased $11.4 million.  The major sources of cash during 2013 included $170.9 million received from the branch acquisition, $22.8 million provided by operating activities, $67.9 million in proceeds from sales, maturities, calls and principal reductions on securities and $40.9 million in organic deposit growth.  These proceeds were used primarily to fund purchases of securities totaling $180.5 million, a $101.5 million net increase in loans, payment of cash dividends in the amount of $3.6 million and purchases of fixed assets totaling $3.7 million.

During 2012, cash and cash equivalents decreased $12.7 million.  The major sources of cash during 2012 included $24.6 million provided by operating activities, proceeds from sales, maturities, calls and principal reductions on securities totaling $124.5 million and a $46.2 million increase in deposits.  These proceeds were used primarily to fund purchases of securities totaling $82.2 million, a $96.6 million net increase in loans, a $16.1 million decrease in FHLBNY term advances, a decrease in securities sold under agreements to repurchase totaling $4.4 million, the payment of cash dividends in the amount of $5.7 million and purchases of fixed assets totaling $3.7 million.

Shareholders’ Equity

Total shareholders’ equity was $138.6 million at December 31, 2013, compared with $131.1 million at December 31, 2012, an increase of $7.5 million, or 5.7%.  The increase was due primarily to net income of $8.7 million and a $3.0 million reduction in accumulated other comprehensive loss, partially offset by declared dividends of $4.8 million.  The total shareholders’ equity to total assets ratio was 9.39% at December 31, 2013 compared with 10.50% at December 31, 2012.  As a result of the branch acquisition, the tangible equity to tangible assets ratio decreased to 7.62% at December 31, 2013, from 8.53% at December 31, 2012.

The Corporation and the Bank are subject to capital adequacy guidelines of the Federal Reserve which establish a framework for the classification of financial holding companies and financial institutions into five categories:  well-capitalized, adequately capitalized, undercapitalized, significantly undercapitalized and critically undercapitalized.  As of December 31, 2013, both the Corporation’s and the Bank’s capital ratios were in excess of those required to be considered well-capitalized under regulatory capital guidelines.  A comparison of the Corporation’s and the Bank’s actual capital ratios to the ratios required to be adequately or well-capitalized at December 31, 2013 and 2012, is included in note 17 to the consolidated financial statements appearing elsewhere in this report.  For more information regarding current capital regulations see Part I-“Business-Supervision and Regulation-Regulatory Capital.”

Cash dividends declared during 2013 totaled $4.8 million or $1.04 per share compared to $4.6 million or $1.00 per share in 2012 and $4.3 million and $1.00 per share in 2011.  Dividends declared during 2013 amounted to 54.7% of net income compared to 41.5% and 41.0% of net income for 2012 and 2011, respectively.  Management seeks to continue generating sufficient capital internally, while continuing to pay adequate dividends to the Corporation’s shareholders.

When shares of the Corporation become available in the market, we may purchase them after careful consideration of the Corporation’s liquidity and capital positions.  Purchases may be made from time to time on the open market or in privately negotiated transactions at the discretion of management.  On November 16, 2011, the Corporation’s Board of Directors approved a one year extension of the stock repurchase program that had been initially approved on November 18, 2009 and extended for one year on November 17, 2010.  The extension authorized the purchase of up to 90,000 shares of the Corporation’s outstanding common stock, including those shares purchased during the first two years of the plan. From November 18, 2009 through the expiration of this program on November 16, 2012, a total of 68,564 shares were purchased.  Under the expired plan in 2012, the Corporation purchased 25,320 shares at an average cost of $24.96 per share totaling $0.6 million.  On December 19, 2012, the Board of Directors approved a new stock repurchase plan under which the Corporation may repurchase up to 125,000 shares.  During 2013, the Corporation purchased 3,094 shares at a total cost of $93 thousand under the new plan.  No shares were purchased under the new plan in 2012.

 
42
 


Off-Balance Sheet Arrangements

In the normal course of operations, the Corporation engages in a variety of financial transactions that, in accordance with GAAP are not recorded in the financial statements.  The Corporation is also a party to certain financial instruments with off balance sheet risk such as commitments under standby letters of credit, unused portions of lines of credit and commitments to fund new loans.  The Corporation's policy is to record such instruments when funded.  These transactions involve, to varying degrees, elements of credit, interest rate and liquidity risk.  Such transactions are generally used by the Corporation to manage clients' requests for funding and other client needs.

Table 11 shows the Corporation’s off-balance sheet arrangements as of December 31, 2013 (in thousands of dollars):
TABLE 11. COMMITMENT MATURITY BY PERIOD

   
Total
    
Less than 1 Year
    
1 to 3 Years
    
3 to 5 Years
    
More than 5 Years
  
Standby letters of credit
  
$
17,290
    
$
13,453
    
$
3,446
    
$
96
      
295
  
Unused portions of lines of credit (1)
    
131,581
      
131,581
      
-
      
-
      
-
  
Commitments to fund new loans
    
28,943
      
28,943
      
-
      
-
      
-
  
  Total
  
$
177,814
    
$
173,977
    
$
3,446
    
$
96
    
$
295
  
(1) Not included in this total are unused portions of home equity lines of credit, credit card lines and consumer overdraft protection lines of credit, since no contractual maturity dates exist for these types of loans.  Commitments to outside parties under these lines of credit were $39,605, $12,925 and $5,141, respectively, at December 31, 2013.

Contractual Obligations

Table 12 shows the Corporation’s contractual obligations under long-term agreements as of December 31, 2013 (in thousands of dollars).  Note references are to the Notes of the Consolidated Financial Statements:

TABLE 12. CONTRACTUAL OBLIGATIONS

     
Payments Due by Period
  
   
Total
    
Less than 1 Year
    
1 to 3 Years
    
3 to 5 Years
    
More than 5 Years
  
Time Deposits (Note 7)
  
$
244,491
    
$
178,903
    
$
53,114
    
$
10,740
    
$
1,734
  
Federal Home Loan Bank advances (Note 9)
    
25,243
      
5,942
      
10,000
      
9,301
      
-
  
Securities sold under agreements to
  repurchase (Note 8)
    
32,701
      
12,701
      
-
      
20,000
      
-
  
Operating leases
    
11,969
      
1,665
      
2,966
      
2,355
      
4,983
  
Other
    
7,166
      
1,543
      
2,704
      
2,133
      
786
  
  Total (1)
  
$
321,570
    
$
200,754
    
$
68,784
    
$
44,529
    
$
7,503
  
(1) Not included in the above total is the Corporation's obligation regarding the Pension Plan and Other Benefit Plans.  Please refer to Part IV Item 15 Note 11 for information regarding these obligations at December 31, 2013.

 
43
 


Results of Operations 2013 vs. 2012

Net Income

Net income for 2013 was $8.7 million, a decrease of $2.3 million, or 20.8%, compared with $11.0 million for 2012.  Earnings per share for 2013 was $1.87 compared with $2.38 for 2012.  Return on average assets and return on average equity for 2013 were 0.67% and 6.50%, respectively, compared with 0.88% and 8.41%, respectively, for 2012.

The decline in 2013 earnings was due primarily to increases of $1.9 million in the provision for loan losses and $2.6 million in non-interest expense, which included $1.4 million in pre-tax branch acquisition costs.  Net interest income decreased $0.2 million in 2013.  These items were partially offset by a reduction of $1.6 million in income taxes and an increase of $0.9 million in non-interest income.  The increase in non-interest income was due primarily to increases of $0.5 million in Wealth Management Group fee income, $0.5 million in services charges on deposit accounts and a gain of $0.5 million from the branch acquisition.  These items were offset by the 2012 pre-tax casualty gain of $0.8 million from insurance reimbursements related to the September 2011 flooding of the Owego and Tioga offices.

Net Interest Income

Net interest income, which is the difference between the income we receive on interest-earning assets, such as loans and securities and the interest we pay on interest-bearing liabilities, such as deposits and borrowings, is the largest contributor to our earnings.

For 2013, net interest income totaled $46.6 million, a slight decrease of $0.2 million, or 0.5%, compared with $46.8 for 2012, and the net interest margin was 3.85% for 2013 compared with 4.07% for 2012.  The decline in net interest income was due primarily to margin compression evidenced by a 34 basis point decrease in the yield on interest-earning assets, partially offset by a 16 basis point decline in the cost of funds and an increase of $59.3 million in average earning assets.  The decline in net interest margin was due primarily to yields on interest-earning assets decreasing at a faster rate than the cost of interest-bearing liabilities.  The decrease in yield on interest-earning assets was attributable to lower loan yields as loans continue to reprice at current market rates.  In addition, the Corporation anticipated a decline in the yield on interest-earning assets due in part to its investment of cash from the branch acquisition into investment securities.

For 2013, total average funding liabilities, including non-interest-bearing demand deposits, increased $46.5 million, or 4.2%, to $1.160 billion compared to 2012.  The growth was primarily due to increases of $49.6 million in average savings and money market deposits and $18.4 million in demand deposits, partially offset by a decrease of $26.9 million in time deposits.  While average interest-bearing liabilities increased $28.1 million, or 3.4%, interest expense decreased $1.2 million, or 22.9%, as the average cost of interest-bearing liabilities decreased 16 basis points to 0.47%.

Provision for Loan Losses

For 2013 the provision for loan loss expense totaled $2.8 million compared to $0.8 million for 2012.  The increase was due principally to the establishment of $0.9 million in additional specific reserves on three commercial loans, loan portfolio growth and net charge-offs.

 
44
 


Non-Interest Income

Non-interest income for 2013 was $18.1 million compared with $17.2 million for 2012, an increase of $0.9 million, or 5.2%.  The increase was due primarily to a gain of $0.5 million from the branch acquisition and increases of $0.5 million in Wealth Management Group fee income and $0.5 million in service charges on deposit accounts.  These items were partially offset by reductions of $0.8 million in casualty gains from insurance reimbursements related to the September 2011 flooding of the Owego and Tioga offices and $0.3 million in net gain on securities transactions.

Current assets under management or administration of the Corporation’s Wealth Management Group include investment, trust and retirement-related business lines.  The market value of total assets under management or administration in the Wealth Management Group were $1.888 billion at December 31, 2013, compared with $1.735 billion at December 31, 2012, an increase of $153.0 million, or 8.8%.  As a result, Wealth Management Group fee income increased for 2013, as the Wealth Management Group’s efforts were focused on programs that include a private banking program with financial planning capabilities, to serve the financial needs of high net worth individuals, and an enhanced retirement services program to increase the number of plans under management and fee income.

Non-Interest Expense

Non-interest expense for 2013 was $49.4 million compared with $46.8 million for 2012, an increase of $2.6 million, or 5.6%.  Excluding $1.4 million in pre-tax branch acquisition costs from 2013, non-interest expense increased $1.2 million, or 2.7% for 2013.  This increase was due primarily to increases of $0.4 million in salaries and wages, $0.3 million in pension and other employee benefits, $0.3 million in net occupancy expense and $0.3 million in data processing costs.  These items were partially offset by a decrease of $0.5 million in professional services related to consultant fees.

Included in the increase in salaries and wages was $0.1 million related to the branch acquisition, and the remainder to compensation expense related to merit increases and incentive compensation.  The increase in pension and other employee benefits was primarily due to higher pension and retirement costs.  The increase in net occupancy was due primarily to higher depreciation and rent expense, both related to the Bank of America branch acquisition.  The increase in data processing expenses was primarily due to higher software maintenance fees and telephone data lines related to the branch acquisition.

Income Taxes

Income tax expense for 2013 was $3.8 million compared with $5.4 million for 2012, a decrease of $1.6 million, or 29.0%.  Income tax expense reflects an effective tax rate of 30.4% for 2013 compared with 32.8% for 2012, due primarily to lower pre-tax income and an increase in the relative percentage of tax exempt income to pre-tax income.

 
45
 


Results of Operations 2012 vs. 2011

Net Income

Net income for 2012 was $11.0 million, an increase of $0.5 million, or 4.6%, compared with $10.5 million for 2011.  Earnings per share for 2012 was $2.38 compared with $2.40 for 2011.  Return on average assets and return on average equity for 2012 were 0.88% and 8.41%, respectively, compared with 0.90% and 8.77%, respectively, for 2011.

The improvement in 2012 earnings was due primarily to a $3.0 million increase in net interest income and a $2.2 million decrease in pre-tax one-time merger transaction costs, both related to the FOFC acquisition in April 2011.  In addition, the Corporation recognized $0.8 million in pre-tax casualty gains from insurance reimbursements related to the September 2011 flooding of the Owego and Tioga offices.  These items were partially offset by increases of $1.8 million in salaries and wages, $0.8 million in pension and other employee benefits, $0.5 million in data processing expenses, $0.5 million in professional services, $0.4 million in income taxes and a $0.8 million reduction in net gains on securities transactions.

Net Interest Income

Net interest income, which is the difference between the income we receive on interest-earning assets, such as loans and securities and the interest we pay on interest-bearing liabilities, such as deposits and borrowings, is the largest contributor to our earnings.

For 2012, net interest income totaled $46.8 million, an increase of $3.0 million, or 6.7%, compared with $43.9 for 2011, and the net interest margin remained level with the prior year at 4.07%.  The increase in net interest income reflects a higher level of average earning assets due in large part to the FOFC acquisition, organic growth in the Albany region and a 21 basis point decrease in the cost of average interest-bearing liabilities, partially offset by a 17 basis point decrease in the yield on average earning assets.  Average earning assets increased $72.0 million, or 6.7%, as an increase in average loans totaling $103.3 million was partially offset by a $27.1 million decrease in average interest-bearing deposits in other financial institutions.  Included in the growth in average loans and investment securities are the Capital Bank division’s assets for a full year in 2012 compared with nine months in 2011.  Due to the increase in average earning assets, total interest and dividend income increased $1.4 million, or 2.8%, despite a 17 basis point decrease in yield to 4.53%.

For 2012, total average funding liabilities, including non-interest-bearing demand deposits, increased $67.0 million, or 6.4%, to $1.113 billion compared to 2011.  The growth was primarily due to an increase of $77.5 million in average deposits, partially offset by a decrease of $10.6 million in borrowings.  Average non-interest bearing deposits increased $40.6 million and average interest-bearing deposits increased $36.9 million.  The increase in average interest-bearing deposits was reflected principally in a $65.8 million increase in average IMMA balances and a $16.8 million increase in average NOW accounts.  These increases were partially offset by a $38.2 million decrease in average time deposits and a $7.5 million decrease in average savings balances.  While average interest-bearing liabilities increased $26.3 million, or 3.3%, interest expense decreased $1.5 million, or 22.1%, as the average cost of interest-bearing liabilities decreased 21 basis points to 0.64%.

Provision for Loan Losses

For 2012 the provision for loan loss expense totaled $0.8 million compared to $1.0 million for 2011.  The decrease was due principally to the improvement in the volume of non-performing loans, resulting in a reduction in allocations to the allowance for loan losses related to these loans, which was offset in part by loan portfolio growth and allowances for this growth after consideration of the factors discussed above.

 
46
 

Non-Interest Income

Non-interest income for 2012 was $17.2 million compared with $17.5 million for 2011.  The slight decline was primarily due to decreases of $0.8 million in net gain on securities transactions and $0.6 million in revenue from the Corporation’s equity investment in Cephas Capital Partners, L.P. (“Cephas”).  The decrease in revenue from Cephas was due in large part to a gain recognized during the first quarter of 2011 on the exercise of stock warrants held in one of their investments.  These items were partially offset by $0.8 million in casualty gains from insurance reimbursements related to the September 2011 flooding of the Owego and Tioga offices and a $0.3 million increase in net gain on sale of loans held for sale.

Current assets under management or administration of the Corporation’s Wealth Management Group include investment, trust and retirement-related business lines.  However, consistent with the banking industry as a whole, the Wealth Management Group experienced a decline in trust-related business over the last several years while investment and retirement-related business lines have grown.  As a result, Wealth Management Group fee income for 2012 had only a small increase compared to 2011.  The challenge for the Wealth Management Group is to grow assets under management and fee income under the current weak economic conditions.  The Wealth Management Group’s efforts will be focused on programs that include a private banking program with financial planning capabilities, to serve the financial needs of high net worth individuals, and an enhanced retirement services program to increase the number of plans under management and fee income.

Non-Interest Expense

Non-interest expense for 2012 was $46.8 million compared with $44.8 million for 2011, an increase of $2.0 million, or 4.6%.  Excluding $2.3 million in merger related expenses from 2011, non-interest expense increased $4.3 million, or 10.1% for 2012.  This increase was primarily due to increases of $1.8 million in salaries and wages, $0.8 million in pension and other employee benefits, $0.5 million in data processing expenses and $0.5 million in professional services.  The increase in salaries and wages was primarily due to the operation of the Capital Bank division for twelve months during 2012 compared with nine months during 2011, and additional compensation expense related to merit increases and incentive compensation.  The increase in pension and other employee benefits was primarily due to higher pension costs, health benefits and payroll taxes.  The increase in data processing expenses was primarily due to higher hardware and software maintenance fees and check card processing costs that included conversion costs for a new processor.  The increase in professional services was due primarily to consultant fees.

Income Taxes

For 2012, a $0.4 million increase in income tax expense reflects a $0.8 million increase in pre-tax income, and an increase in the effective tax rate to 32.8% from 32.3%, due primarily to a decrease in the relative percentage of tax exempt income to pre-tax income.


 
47
 

Table 13 sets forth certain information related to the Corporation’s average consolidated balance sheets and its consolidated statements of income for the years indicated and reflects the average yield on assets and average cost of liabilities for the years indicated.  For the purpose of the table below, non-accruing loans are included in the daily average loan amounts outstanding.  Daily balances were used for average balance computations.  Investment securities are stated at amortized cost.  No tax equivalent adjustments have been made in calculating yields on obligations of states and political subdivisions.
TABLE 13. AVERAGE BALANCES AND YIELDS
Distribution of Assets, Liabilities and Shareholders' Equity, Interest Rates and Interest Differential Year Ended December 31,

(In thousands of dollars)
  
2013
  
2012
  
2011
  
Assets
  
Average Balance
    
Interest
    
Yield/ Rate
  
Average Balance
    
Interest
  
Yield/ Rate
    
Average Balance
    
Interest
    
Yield/Rate
  
Earning assets:
        
Loans
  
$
942,908
    
$
45,136
      
4.79
%
  
$
844,255
    
$
45,298
      
5.37
%
  
$
740,950
    
$
43,181
      
5.83
%
  
Taxable securities
    
209,676
      
4,391
      
2.09
%
    
214,616
      
5,357
      
2.50
%
    
215,481
      
5,874
      
2.73
%
  
Tax-exempt securities
    
42,253
      
1,101
      
2.61
%
    
48,653
      
1,268
      
2.61
%
    
52,004
      
1,379
      
2.65
%
  
Interest-bearing deposits
    
14,836
      
36
      
0.24
%
    
42,884
      
153
      
0.36
%
    
69,983
      
214
      
0.31
%
  
Total earning assets
    
1,209,673
      
50,664
      
4.19
%
    
1,150,408
      
52,076
      
4.53
%
    
1,078,418
      
50,648
      
4.70
%
  
Non-earning assets:
                                                                          
Cash and due from banks
    
23,739
                      
24,369
                      
22,706
                    
Premises and equipment, net
    
25,606
                      
24,806
                      
24,336
                    
Other assets
    
46,752
                      
50,854
                      
47,300
                    
Allowance for loan losses
    
(11,212
)
                    
(10,425
)
                    
(9,742
)
                  
AFS adjustment to fair value
    
11,809
                      
13,713
                      
12,028
                    
     Total
  
$
1,306,367
                    
$
1,253,725
                    
$
1,175,046
                    
Liabilities and Shareholders' Equity
                                                                          
Interest-bearing liabilities:
                                                                          
Now deposits
  
$
96,392
      
91
      
0.09
%
  
$
89,759
      
95
      
0.11
%
  
$
72,953
      
84
      
0.11
%
  
Savings and insured money market deposits
    
462,592
      
833
      
0.18
%
    
413,023
      
828
      
0.20
%
    
354,746
      
825
      
0.23
%
  
Time deposits
    
229,426
      
1,426
      
0.62
%
    
256,291
      
2,258
      
0.88
%
    
294,467
      
3,376
      
1.15
%
  
Federal Home Loan Bank advances and securities sold under agreements to repurchase
    
69,498
      
1,683
      
2.42
%
    
70,716
      
2,053
      
2.90
%
    
81,297
      
2,448
      
3.01
%
  
Total interest-bearing liabilities
    
857,908
      
4,033
      
0.47
%
    
829,789
      
5,234
      
0.63
%
    
803,463
      
6,733
      
0.84
%
  
Non-interest-bearing liabilities:
                                                                          
Demand deposits
    
302,046
                      
283,654
                      
243,017
                    
Other liabilities
    
12,128
                      
9,163
                      
8,341
                    
Total liabilities
  
$
1,172,082
                    
$
1,122,606
                    
$
1,054,821
                    
Shareholders' equity
    
134,285
                      
131,119
                      
120,225
                    
     Total
  
$
1,306,367
                    
$
1,253,725
                    
$
1,175,046
                    
Net interest income
          
$
46,631
                    
$
46,842
                    
$
43,915
            
Net interest rate spread
                    
3.72
%
                    
3.90
%
                    
3.86
%
  
Net interest margin
                    
3.85
%
                    
4.07
%
                    
4.07
%
  



 
48
 

CHANGES DUE TO VOLUME AND RATE

Net interest income can be analyzed in terms of the impact of changes in rates and volumes.  Table 14 illustrates the extent to which changes in interest rates and in the volume of average interest-earning assets and interest-bearing liabilities have affected the Corporation’s interest income and interest expense during the periods indicated.  Information is provided in each category with respect to (i) changes attributable to changes in volume (changes in volume multiplied by prior rate); (ii) changes attributable to changes in rates (changes in rates multiplied by prior volume); and (iii) the net changes.  For purposes of this table, changes that are not due solely to volume or rate changes have been allocated to these categories based on the respective percentage changes in average volume and rate.  Due to the numerous simultaneous volume and rate changes during the periods analyzed, it is not possible to precisely allocate changes between volume and rates.  In addition, average earning assets include non-accrual loans and no tax equivalent adjustments were made.

TABLE 14. RATE/VOLUME ANALYSIS OF NET INTEREST INCOME

   
2013 vs. 2012
    
2012 vs. 2011
  
   
Increase/(Decrease)
    
Increase/(Decrease)
  
   
Total
    
Due to
    
Due to
    
Total
    
Due to
    
Due to
  
Interest income (in thousands)
  
Change
    
Volume
    
Rate
    
Change
    
Volume
    
Rate
  
                                     
Loans
  
$
(162
)
  
$
4,996
    
$
(5,158
)
  
$
2,117
    
$
5,716
    
$
(3,599
)
Taxable investment securities
    
(966
)
    
(121
)
    
(845
)
    
(517
)
    
(24
)
    
(493
)
Tax-exempt investment securities
    
(167
)
    
(167
)
    
-
      
(111
)
    
(88
)
    
(23
)
Interest-bearing deposits
    
(117
)
    
(79
)
    
(38
)
    
(61
)
    
(93
)
    
32
  
Total interest income
  
$
(1,412
)
  
$
4,629
    
$
(6,041
)
  
$
1,428
    
$
5,511
    
$
(4,083
)

Interest expense (in thousands)
                                    
Interest-bearing demand deposits
  
$
(4
)
   $
7
     $
(11
)
  
$
11
    
$
18
    
$
(7
)
Savings and insured money market  deposits
    
5
      
94
      
(89
)
    
3
      
125
      
(122
)
Time deposits
    
(833
)
    
(219
)
    
(614
)
    
(1,118
)
    
(402
)
    
(716
)
FHLBNY advances and securities sold under agreements to repurchase
    
(369
)
    
(34
)
    
(335
)
    
(395
)
    
(310
)
    
(85
)
Total interest expense
    
(1,201
)
    
(152
)
    
(1,049
)
    
(1,499
)
    
(569
)
    
(930
)
                                                 
Net interest income
  
$
(211
)
  
$
4,781
    
$
(4,992
)
  
$
2,927
    
$
6,080
    
$
(3,153
)


ADOPTION OF NEW ACCOUNTING STANDARDS

For a discussion of the impact of accounting standards adopted during 2013, please see Note 1 to the Corporation’s consolidated financial statements that commence on page F-9.


 
49
 


ITEM 7A.                                QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

Interest Rate Risk

Management considers interest rate risk to be the most significant market risk for the Corporation.  Market risk is the risk of loss from adverse changes in market prices and rates.  Interest rate risk is the exposure to adverse changes in the net income of the Corporation as a result of changes in interest rates.

The Corporation’s primary earnings source is net interest income, which is affected by changes in the level of interest rates, the relationship between rates, the impact of interest rate fluctuations on asset prepayments, the level and composition of deposits and liabilities, and credit quality of earning assets.

The Corporation’s objectives in its asset and liability management are to maintain a strong, stable net interest margin, to utilize its capital effectively without taking undue risks, to maintain adequate liquidity, and to reduce vulnerability of its operations to changes in interest rates.  The Corporation's Asset/Liability Committee (“ALCO”) has the strategic responsibility for setting the policy guidelines on acceptable exposure to interest rate risk.  These guidelines contain specific measures and limits regarding the risks, which are monitored on a regular basis.  The ALCO is made up of the president and chief executive officer, the chief financial officer, the asset liability management officer, and other officers representing key functions.

Interest rate risk is the risk that net interest income will fluctuate as a result of a change in interest rates.  It is the assumption of interest rate risk, along with credit risk, that drives the net interest margin of a financial institution. For that reason, the ALCO has established tolerance limits based upon a 200-basis point change in interest rates, with appropriate floors set for interest-bearing liabilities.  At December 31, 2013, it is estimated that an immediate 200-basis point decrease in interest rates would negatively impact the next 12 months net interest income by 10.29% and an immediate 200-basis point increase would negatively impact the next 12 months net interest income by 8.71%.  Both are within the Corporation's policy guideline of 15%. Given the overall low level of current interest rates and the unlikely event of a 200-basis point decline from this point, management additionally modeled an immediate 100-basis point decline and an immediate 300-basis point increase in interest rates. When applied, it is estimated these scenarios would result in negative impacts to net interest income of 4.58% and 13.09%, respectively.

A related component of interest rate risk is the expectation that the market value of the Corporation’s capital account will fluctuate with changes in interest rates.  This component is a direct corollary to the earnings-impact component: an institution exposed to earnings erosion is also exposed to shrinkage in market value.  At December 31, 2013, it is estimated that an immediate 200-basis point decrease in interest rates would negatively impact the market value of the Corporation’s capital account by 6.63% and an immediate 200-basis point increase in interest rates would negatively impact the market value by 5.09%.  Both are within the Corporation’s policy guideline of 15%.  Management also modeled the impact to the market value of the Corporation’s capital with an immediate 100-basis point decline and an immediate 300-basis point increase in interest rates, based on the current interest rate environment.  When applied, it is estimated these scenarios would result in negative impacts to the market value of the Corporation’s capital of 3.44% and 8.02%, respectively.

Management does recognize the need for certain hedging strategies during periods of anticipated higher fluctuations in interest rates and the Funds Management Policy provides for limited use of certain derivatives in asset liability management. These strategies were not employed during 2013.

Credit Risk

The Corporation manages credit risk consistent with state and federal laws governing the making of loans through written policies and procedures; loan review to identify loan problems at the earliest possible time; collection procedures (continued even after a loan is charged off); an adequate allowance for loan losses; and continuing education and training to ensure lending expertise.  Diversification by loan product is maintained through offering commercial loans, 1-4 family mortgages, and a full range of consumer loans.

 
50
 


The Corporation monitors its loan portfolio carefully.  The Loan Committee of the Corporation's Board of Directors is designated to receive required loan reports, oversee loan policy, and approve loans above authorized individual and Senior Loan Committee lending limits.  The Senior Loan Committee, consisting of the President and Chief Executive Officer, Chief Administrative and Risk Officer (non-voting member), business client division manager, retail client division manager, commercial loan manager, consumer loan manager, mortgage loan manager, and the President and commercial loan manager of the Capital Bank division, implements the Board-approved loan policy.

ITEM 8.                      FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

The financial statements listed in Part III, Item 15 are filed as part of this report and appear on pages F-1 through F-57.

ITEM 9.                      CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.

Item 9A.                      CONTROLS AND PROCEDURES

(a) Evaluation of Disclosure Controls and Procedures

The Corporation's management, with the participation of our President and Chief Executive Officer, who is the Corporation's principal executive officer, and our Treasurer and Chief Financial Officer, who is the Corporation's principal financial officer, has evaluated the effectiveness of the Corporation's disclosure controls and procedures as of December 31, 2013.  Based upon that evaluation, the President and Chief Executive Officer and the Treasurer and Chief Financial Officer have concluded that the Corporation's disclosure controls and procedures are not effective as a result of the material weakness that existed in the Corporation’s internal control over financial reporting as described in Management’s Report on Internal Control over Financial Reporting below.

(b) Management's Report on Internal Control over Financial Reporting

We, as members of management of the Corporation, are responsible for establishing and maintaining adequate internal control over financial reporting.  The Corporation's internal control over financial reporting is a process designed to provide reasonable assurance to the Corporation's management and Board of Directors regarding the reliability of financial reporting and the preparation of the Corporation's financial statements for external purposes in accordance with U.S. generally accepted accounting principles.  Internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the Corporation, (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with accounting principles generally accepted in the United States of America, and that receipts and expenditures of the Corporation are being made only in accordance with authorizations of management and directors of the Corporation, and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the Corporation's assets that could have a material effect on the financial statements.

 
51
 


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 and procedures may deteriorate.

As of December 31, 2013 management assessed the effectiveness of the Corporation's internal control over financial reporting based on the criteria for effective internal control over financial reporting established in the "1992 Internal Control-Integrated Framework," issued by the Committee of Sponsoring Organizations (COSO) of the Treadway Commission.  Based on the assessment, we identified a material weakness in the identification and evaluation of troubled debt restructurings as of December 31, 2013.  The process surrounding the identification of troubled debt restructurings is to include the completion of a checklist which guides the identification process for all loans modified, renewed or extended which meet certain credit grade and principal balance criteria.  A control to identify all loans which may be subject to a checklist had not been implemented.  A key control has been implemented and will be tested for effectiveness in 2014.

This material weakness did not result in a misstatement in the Corporation’s quarterly or annual financial statements for 2013.  However, as a result of this material weakness, management has concluded that the Corporation did not maintain effective internal control over financial reporting as of December 31, 2013.

Crowe Horwath LLP, an independent registered public accounting firm, which audited the Corporation's 2013 consolidated financial statements included in this report, has issued an attestation report on the effectiveness of the Corporation's internal control over financial reporting.

(c) Changes in Internal Control over Financial Reporting

Except for the material weakness described above, there have been no changes in the Corporation's internal control over financial reporting during the most recent quarter ended December 31, 2013 that have materially affected, or that are reasonably likely to materially affect, the Corporation's internal control over financial reporting.

(d) Remediation of Material Weakness in Internal Control over Financial Reporting

In response to the material weakness, management will improve its process of identifying and evaluating troubled debt restructurings in order to remediate the material weakness.  Currently, management of the Corporation anticipates providing additional guidance and strengthening processes regarding the identification and evaluation of troubled debt restructurings, within our loan underwriting and credit administration functions, and providing additional training to our loan underwriting and credit administration staff.

These improvements are targeted at strengthening the Corporation’s internal control over financial reporting and to remediate the material weakness.  The Corporation remains committed to a strong internal control environment.





/s/ Ronald M. Bentley
  
/s/ Karl F. Krebs
Ronald M. Bentley
  
Karl F. Krebs
President and Chief Executive Officer
  
Chief Financial Officer and Treasurer
March 14, 2014
  
March 14, 2014


Item 9B.                      OTHER INFORMATION
None.

 
52
 

PART III

ITEM 10.                      DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

Information responsive to this Item 10 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2014 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2013 fiscal year end.


ITEM 11.                      EXECUTIVE COMPENSATION

Information responsive to this Item 11 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2014 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2013 fiscal year end.


ITEM 12.                      SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT, AND RELATED STOCKHOLDER MATTERS

Information responsive to this Item 12 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2014 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2013 fiscal year end.


ITEM 13.                      CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

Information responsive to this Item 13 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2014 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2013 fiscal year end.


ITEM 14.                      PRINCIPAL ACCOUNTANT FEES AND SERVICES

Information responsive to this Item 14 is incorporated herein by reference to the Corporation's definitive proxy statement for its 2014 Annual Meeting of Shareholders, which will be filed with the SEC within 120 days after the Corporation’s 2013 fiscal year end.

 
53
 

PART IV

ITEM 15.                      EXHIBITS AND FINANCIAL STATEMENT SCHEDULES
(a) (1)
The following consolidated financial statements of the Corporation appear on pages F-1 through F-57 of this report and are incorporated in Part II, Item 8:

Report of Independent Registered Public Accounting Firm-Crowe Horwath LLP
 
Consolidated Financial Statements
  Consolidated Balance Sheets as of December 31, 2013 and 2012
 
  Consolidated Statements of Income for the three years ended December 31, 2013
 
  Consolidated Statements of Comprehensive Income for the three years ended December 31, 2013
 
  Consolidated Statements of Shareholders' Equity for the three years ended December 31, 2013
 
  Consolidated Statements of Cash Flows for the three years ended December 31, 2013
 
  Notes to Consolidated Financial Statements

(2)                      Financial statement schedules have been omitted because they are not applicable or the required information is shown in the Consolidated Financial Statements or the Notes thereto under Item 8, "Financial Statements and Supplementary Data".

(b)           The following exhibits are either filed with this Form 10-K or are incorporated herein by reference.
The Corporation's Securities Exchange Act file number is 000-13888.

Exhibit
  
The following exhibits are either filed with this Form 10-K or are incorporated herein by reference:
 
3.1
Certificate of Incorporation of Chemung Financial Corporation dated December 20, 1984.  (Filed as Exhibit 3.1 to Registrant's Form 10-K filed with the SEC on March 13, 2008 and incorporated herein by reference).
 
3.2
Certificate of Amendment to the Certificate of Incorporation of Chemung Financial Corporation, dated March 28, 1988.  (Filed as Exhibit 3.2 to Registrant's Form 10-K for the year ended December 31, 2007, filed with the SEC on March 13, 2008 and incorporated herein by reference).
 
3.3
Certificate of Amendment to the Certificate of Incorporation of Chemung Financial Corporation, dated May 13, 1998.  (Filed as Exhibit 3.4 of the Registrant’s Form 10-K for the year ended December 31, 2005 and filed with the SEC on March 15, 2006 and incorporated herein by reference).
 
3.4
Amended and Restated Bylaws of the Registrant, as amended to February 26, 2014.  (Filed as Exhibit 3.1 to the Registrant’s Current Report on Form 8-K filed with the SEC on March 4, 2014 and incorporated herein by reference).
 
4.1
Specimen Stock Certificate.  (Filed as Exhibit 4.1 to Registrant's Form 10-K for the year ended December 31, 2002 and incorporated herein by reference).
 
10.1
Change of Control Agreement dated September 20, 2006 between Chemung Canal Trust Company and Ronald M. Bentley, President & COO.  (Filed as Exhibit 10.1 to Registrant's Form 10-Q for the quarter ended September 30, 2006 and incorporated herein by reference).
 
10.2
Executive Severance Agreement dated September 20, 2006 between Chemung Canal Trust Company and Ronald M. Bentley, President & COO.  (Filed as Exhibit 10.2 to Registrant's Form 10-Q for the quarter ended September 30, 2006 and incorporated herein by reference).
 
10.3
Amended and Restated Deferred Directors' Fee Plan. (Filed as Exhibit 10.3 of the Registrant’s Form 10-K for the year ended December 31, 2005 and incorporated herein by reference).
 
10.4
Amended and Restated Chemung Financial Corporation Restricted Stock Plan (Filed as Appendix A to the Registrant's Definitive Proxy Statement on Schedule A filed on April 1, 2013 and incorporated herein by reference).

 
54
 


Exhibit
    
 
10.9
Change of Control Agreement dated August 23, 2007 between Chemung Canal Trust Company and Melinda A. Sartori, Executive Vice President.  (Filed as Exhibit 10.9 to Registrant's Form 10-K filed with the SEC on March 13, 2008 and incorporated herein by reference).
 
10.11
Change of Control Agreement dated January 19, 2011 between Chemung Canal Trust Company and Richard G. Carr, Executive Vice President.  (Filed as Exhibit 10.11 to Registrant’s Form 10-K filed with the SEC on March 16, 2011 and incorporated herein by reference).
 
10.12
Change of Control Agreement dated January 19, 2011 between Chemung Canal Trust Company and Louis C. DiFabio, Executive Vice President.  (Filed as Exhibit 10.12 to Registrant’s Form 10-K filed with the SEC on March 16, 2011 and incorporated herein by reference).
 
10.14
Change of Control Agreement dated April 8, 2011 between Chemung Canal Trust Company and Anders M. Tomson, President Capital Bank Division.  (Filed as Exhibit 10.14 to Registrant’s Form 10-Q filed with the SEC on May 13, 2011 and incorporated herein by reference).
 
10.16
Change of Control Agreement dated November 7, 2011 between Chemung Canal Trust Company and Karen R. Makowski, Executive Vice President and Chief Administration and Risk Officer.  (Filed as Exhibit 10.16 to Registrant’s Form 10-K on March 28, 2012 and incorporated herein by reference).
 
10.17
Change of Control Agreement dated October 16, 2013 between Chemung Canal Trust Company and Karl F. Krebs, Executive Vice President and Chief Financial Officer.  (Filed as Exhibit 10.1 to Registrant’s Form 8-K filed with the SEC on October 17, 2013 and incorporated herein by reference).
 
10.18
Amended and Restated Directors' Compensation Plan (Filed as Appendix A to the Registrant’s Definitive Proxy Statement on Schedule 14A filed on March 30, 2012 and incorporated herein by reference).
 
10.19
Amended and Restated Incentive Compensation Plan Filed as (Filed as Appendix A to the Registrant’s Definitive Proxy Statement on Schedule 14A filed on March 30, 2012 and incorporated herein by reference).
 
21
Subsidiaries of the Registrant.*
 
23
Consent of Crowe Horwath LLP, Independent Registered Public Accounting Firm.*
 
31.1
Certification of President Chief Executive Officer of the Registrant pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.*
 
31.2
Certification of Treasurer and Chief Financial Officer of the Registrant pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.*
 
32.1
Certification of President and Chief Executive Officer of the Registrant pursuant to Rule 13a-14(b) under the Securities Exchange Act of 1934 and 19 U.S.C. §1350.*
 
32.2
Certification of Treasurer and Chief Financial Officer of the Registrant pursuant to Rule 13a-14(b) under the Securities Exchange Act of 1934 and 19 U.S.C. §1350.*
 
101.INS
Instance Document
 
101.SCH
XBRL Taxonomy Schema*
 
101.CAL
XBRL Taxonomy Calculation Linkbase*
 
101.DEF
XBRL Taxonomy Definition Linkbase*
 
101.LAB
XBRL Taxonomy Label Linkbase*
 
101.PRE
XBRL Taxonomy Presentation Linkbase*
 
*
Filed herewith.

 
55
 

CHEMUNG FINANCIAL CORPORATION

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS
Pages F-1 to F-57
 
Page
Report of Independent Registered Public Accounting Firm-Crowe Horwath LLP
F-1
Consolidated Financial Statements
  
  Consolidated Balance Sheets as of December 31, 2013 and 2012
F-2
  Consolidated Statements of Income for the three years ended December 31, 2013
F-3
  Consolidated Statements of Comprehensive Income for the three years ended December 31, 2013
F-4
  Consolidated Statements of Shareholders' Equity for the three years  ended December 31, 2013
F-5
  Consolidated Statements of Cash Flows for the three years ended December 31, 2013
F-7
  Notes to Consolidated Financial Statements
F-8










































 

 
56
 

Report of Independent Registered Public Accounting Firm

Board of Directors and Shareholders
Chemung Financial Corporation
Elmira, New York

We have audited the accompanying consolidated balance sheets of Chemung Financial Corporation as of December 31, 2013 and 2012, and the related consolidated statements of income, comprehensive income, shareholders' equity and cash flows for each of the years ended December 31, 2013, 2012 and 2011. We also have audited Chemung Financial Corporation’s internal control over financial reporting as of December 31, 2013, based on criteria established in the 1992 Internal Control – Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).  Chemung Financial Corporation’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 Management’s Report on Internal Control over Financial Reporting as disclosed in Item 9A.  Our responsibility is to express an opinion on these financial statements and an opinion on Chemung Financial Corporation’s internal control over financial reporting based on our 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 (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) 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 (3) 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.

A material weakness is a deficiency, or combination of deficiencies, in internal control over financial reporting such that there is a reasonable possibility that a material misstatement of the Company’s annual or interim financial statements will not be prevented or detected on a timely basis.  The following material weakness has been identified and included in the accompanying Management’s Report on Internal Control over Financial Reporting as disclosed in Item 9A.  Procedures and controls related to the identification of modified loans as troubled debt restructurings are not operating effectively.  The process surrounding the identification of troubled debt restructurings is to include the completion of a checklist which guides the identification process for all loans modified, renewed or extended which meet certain credit grade and principal balance criteria.  A control to identify all loans which may be subject to a checklist had not been implemented.  This material weakness was considered in determining the nature, timing, and extent of audit tests applied in our audit of the 2013 financial statements, and this matter did not affect our opinion on those financial statements.

In our opinion, because of the effects of the material weakness described above, Chemung Financial Corporation has not maintained effective internal control over financial reporting as of December 31, 2013, based on criteria established in the 1992 Internal Control – Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Chemung Financial Corporation as of December 31, 2013 and 2012, and the results of its operations and its cash flows for the years ended December 31, 2013, 2012 and 2011, in conformity with accounting principles generally accepted in the United States of America.

/s/ Crowe Horwath LLP
Livingston, New Jersey
March 14, 2014

 

 
F-1
 

CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED BALANCE SHEETS

   
YEARS ENDED DECEMBER 31,
  
   
2013
    
2012
  
ASSETS
            
Cash and due from financial institutions
  
$
31,600,112
    
$
29,239,309
  
Interest-bearing deposits in other financial institutions
    
20,009,352
      
11,001,912
  
     Total cash and cash equivalents
    
51,609,464
      
40,241,221
  
                 
Trading assets, at fair value
    
366,255
      
348,241
  
                 
Securities available for sale, at estimated fair value
    
346,015,906
      
239,685,763
  
Securities held to maturity, estimated fair value of $6,929,549
  December 31, 2013 and $6,421,486 at December 31, 2012
    
6,494,924
      
5,748,453
  
Federal Home Loan Bank and Federal Reserve Bank Stock, at cost
    
4,481,750
      
4,710,300
  
                 
Loans, net of deferred origination fees and costs, and unearned income
    
995,865,764
      
893,516,941
  
Allowance for loan losses
    
(12,775,568
)
    
(10,432,650
)
Loans, net
    
983,090,196
      
883,084,291
  
                 
Loans held for sale
    
694,840
      
1,057,309
  
Premises and equipment, net
    
30,039,174
      
25,484,385
  
Goodwill
    
21,824,443
      
21,824,443
  
Other intangible assets, net
    
6,377,077
      
5,143,820
  
Bank owned life insurance
    
2,795,612
      
2,711,681
  
Accrued interest and other assets
    
22,353,812
      
18,119,801
  
                 
     Total assets
  
$
1,476,143,453
    
$
1,248,159,708
  
                 
LIABILITIES AND SHAREHOLDERS' EQUITY
                
Deposits:
                
  Non-interest-bearing
  
$
351,222,057
    
$
300,610,463
  
  Interest-bearing
    
912,147,604
      
744,123,551
  
     Total deposits
    
1,263,369,661
      
1,044,734,014
  
                 
Securities sold under agreements to repurchase
    
32,701,223
      
32,710,650
  
Federal Home Loan Bank term advances
    
25,242,628
      
27,225,363
  
Dividends payable
    
1,194,522
      
-
  
Accrued interest payable and other liabilities
    
15,057,425
      
12,374,744
  
     Total liabilities
    
1,337,565,459
      
1,117,044,771
  
                 
Shareholders' equity:
                
Common stock, $.01 par value per share, 10,000,000 shares authorized;
  5,310,076 issued at December 31, 2013 and December 31, 2012
    
53,101
      
53,101
  
Additional-paid-in capital
    
45,398,182
      
45,357,073
  
Retained earnings
    
111,031,089
      
107,078,182
  
Treasury stock, at cost (707,674 shares at December 31, 2013; 728,680
  shares at December 31, 2012)
    
(18,059,559
)
    
(18,566,490
)
Accumulated other comprehensive income (loss)
    
155,181
      
(2,806,929
)
                 
     Total shareholders' equity
    
138,577,994
      
131,114,937
  
                 
     Total liabilities and shareholders' equity
  
$
1,476,143,453
    
$
1,248,159,708
  
   
   
See accompanying notes to consolidated financial statements.
  
   



 
F-2
 

CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF INCOME
   
YEARS ENDED DECEMBER 31
   
2013
  
2012
    
2011
  
Interest and Dividend Income:
                
Loans, including fees
  
$
45,135,158
  
$
45,297,943
  
$
43,180,698
  
Taxable securities
    
4,391,292
    
5,357,179
    
5,874,019
  
Tax exempt securities
    
1,100,494
    
1,268,242
    
1,378,753
  
Interest-bearing deposits
    
36,285
    
152,891
    
214,529
  
  Total interest and dividend income
    
50,663,229
    
52,076,255
    
50,647,999
  
Interest Expense:
                    
Deposits
    
2,349,793
    
3,181,608
    
4,284,574
  
Borrowed funds
    
824,238
    
1,058,547
    
1,073,016
  
Securities sold under agreements to repurchase
    
858,479
    
994,227
    
1,375,361
  
  Total interest expense
    
4,032,510
    
5,234,382
    
6,732,951
  
Net interest income
    
46,630,719
    
46,841,873
    
43,915,048
  
Provision for loan losses
    
2,754,726
    
827,567
    
958,333
  
  Net interest income after provision for loan losses
    
43,875,993
    
46,014,306
    
42,956,715
  
                     
Other operating income:
                    
  Wealth management group fee income
    
7,344,045
    
6,826,976
    
6,709,685
  
  Service charges on deposit accounts
    
4,706,137
    
4,240,908
    
4,281,808
  
  Net gains on securities transactions
    
16,379
    
300,516
    
1,108,091
  
  Other-than-temporary loss on investment securities:
                    
  Total impairment losses
    
(29,025
)
  
-
    
(67,400
)
  Loss recognized in other comprehensive income
    
-
    
-
    
-
  
    Net impairment loss recognized in earnings
    
(29,025
)
  
-
    
(67,400
)
  Net gain on sales of loans held for sale
    
502,718
    
484,006
    
179,096
  
  Casualty gains
    
-
    
790,248
    
-
  
  Net gains (losses) on sales of other real estate owned
    
27,695
    
(44,648
)
  
91,533
  
  Gain from bargain purchase
    
469,929
    
-
    
-
  
  Income from bank owned life insurance
    
83,931
    
86,577
    
88,389
  
  Other
    
4,954,795
    
4,503,158
    
5,071,385
  
Total other operating income
    
18,076,604
    
17,187,741
    
17,462,587
  
Other operating expenses:
                    
  Salaries and wages
    
19,365,106
    
18,917,724
    
17,136,433
  
  Pension and other employee benefits
    
5,939,205
    
5,623,861
    
4,796,994
  
  Net occupancy expenses
    
5,501,492
    
5,163,865
    
5,015,936
  
  Furniture and equipment expenses
    
2,326,134
    
2,205,166
    
2,118,544
  
  Data processing expense
    
4,750,184
    
4,420,953
    
3,915,841
  
  Professional services
    
928,228
    
1,442,644
    
949,779
  
  Amortization of intangible assets
    
921,413
    
1,046,720
    
1,041,193
  
  Marketing and advertising expense
    
1,033,200
    
1,068,494
    
1,037,416
  
  Other real estate owned expenses
    
194,065
    
328,182
    
104,829
  
  FDIC insurance
    
866,053
    
807,493
    
967,254
  
  Loan expense
    
779,405
    
788,473
    
607,732
  
  Merger and acquisition related expenses
    
1,386,789
    
30,145
    
2,255,169
  
  Other
    
5,407,970
    
4,951,605
    
4,901,277
  
Total other operating expenses
    
49,399,244
    
46,795,325
    
44,848,397
  
Income before income tax expense
    
12,553,353
    
16,406,722
    
15,570,905
  
Income tax expense
    
3,822,297
    
5,384,482
    
5,033,150
  
Net income
  
$
8,731,056
  
$
11,022,240
  
$
10,537,755
  
                     
Weighted average shares outstanding
    
4,659,685
    
4,640,912
    
4,382,843
  
Basic and diluted earnings per share
  
$
1.87
  
$
2.38
  
$
2.40
  
See accompanying notes to consolidated financial statements.

 

 
F-3
 

CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

 
YEARS ENDED DECEMBER 31
  
   
2013
    
2012
  
2011
  
                   
Net income
  
$
8,731,056
  
$
11,022,240
  
$
10,537,755
  
                     
Other comprehensive income:
                    
Unrealized holding (losses) gains on securities available for sale            
    
(3,228,298
)
  
410,834
    
4,797,422
  
Reclassification adjustment for other-than-temporary losses realized in net income     29,025      -      -   
Reclassification adjustment losses (gains) realized in net income
    
(16,379
)
  
(300,516
)
  
(1,108,091
)
Net unrealized (losses) gains
    
(3,215,652
)
  
110,318
    
3,689,331
  
Tax effect
    
1,236,097
    
(74,583
)
  
(1,363,289
)
Net of tax amount
    
(1,979,555
)
  
35,735
    
2,326,042
  
                     
Change in funded status of defined benefit pension plan and other benefit plans:
                    
Net gain (loss) arising during the period
    
6,486,975
    
(3,624,214
 )  
(6,908,392
 )
Reclassification adjustment for amortization of prior service costs
    
(83,144
)
  
(83,144
)
  
(67,127
 )
Reclasification adjustment for amortization of net actuarial loss
    
1,623,567
    
1,431,064
 
  
715,885
 
Total before tax effect
    
8,027,398
    
(2,276,294
)
  
(6,259,634
)
Tax effect
    
(3,085,733
)
  
875,008
    
2,389,739
  
Net of tax amount
    
4,941,665
    
(1,401,286
)
  
(3,869,895
)
                     
Total other comprehensive income (loss)
    
2,962,110
    
(1,365,551
)
  
(1,543,853
)
                     
Comprehensive income
  
$
11,693,166
  
$
9,656,689
  
$
8,993,902
  
                     
                     
See accompanying notes to consolidated financial statements.






























 

 
F-4
 
 

CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY
   
Common Stock
    
Additional Paid-in Capital
    
Retained Earnings
    
Treasury Stock
    
Accumulated Other Comprehensive Income (Loss)
    
Total
  
Balances at December 31, 2010
   $ 
43,001
    
$
22,022,122
    
$
94,407,620
    
$
(19,166,655
)
  
$
102,475
    
$
97,408,563
  
Net income
    
-
      
-
      
10,537,755
      
-
      
-
      
10,537,755
  
Other comprehensive loss
    
-
      
-
      
-
      
-
      
(1,543,853
)
    
(1,543,853
)
Restricted stock awards
    
-
      
28,141
      
-
      
-
      
-
      
28,141
  
Distribution of 286 shares of treasury stock for directors’
  deferred compensation plan
    
-
      
(7,364
)
    
-
      
7,310
      
-
      
(54
)
Distribution of 8,834 shares of treasury stock granted for employee
  restricted stock awards
    
-
      
(226,360
)
    
-
      
225,350
      
-
      
(1,010
)
Forfeit of 1,087 shares restricted stock
    
-
      
27,762
      
-
      
(27,762
)
    
-
      
-
  
Restricted stock units for directors' deferred compensation plan
    
-
      
80,083
      
-
      
-
      
-
      
80,083
  
Cash dividends declared ($1.00 per share)
    
-
      
-
      
(4,316,475
)
    
-
      
-
      
(4,316,475
)
Distribution of 10,378 shares of treasury stock for directors'
  compensation
    
-
      
(33,831
)
    
-
      
265,262
      
-
      
231,431
  
Distribution of 2,392 shares of treasury stock for employee
  compensation
    
-
      
(6,140
)
    
-
      
61,140
      
-
      
55,000
  
Sale of 9,500 shares of treasury stock
    
-
      
(25,090
)
    
-
      
242,610
      
-
      
217,520
  
Purchase of 21,426 shares of treasury stock
    
-
      
-
      
-
      
(501,299
)
    
-
      
(501,299
)
Issuance of 1,009,942 shares related to FOFC merger
    
10,100
      
23,723,538
      
-
      
-
      
-
      
23,733,638
  
Balances at December 31, 2011
  
$
53,101
    
$
45,582,861
    
$
100,628,900
    
$
(18,894,044
)
  
$
(1,441,378
)
  
$
125,929,440
  
Net income
    
-
      
-
      
11,022,240
      
-
      
-
      
11,022,240
  
Other comprehensive loss
    
-
      
-
      
-
      
-
      
(1,365,551
)
    
(1,365,551
)
Restricted stock awards
    
-
      
79,510
      
-
      
-
      
-
      
79,510
  
Distribution of 3,240 shares of treasury stock for directors’
  deferred compensation plan
    
-
      
(81,747
)
    
-
      
82,588
      
-
      
841
  
Distribution of 10,760 shares of treasury stock granted for
  employee restricted stock awards, net
    
-
      
(274,196
)
    
-
      
274,196
      
-
      
-
  
Restricted stock units for directors' deferred compensation plan
    
-
      
86,717
      
-
      
-
      
-
      
86,717
  
Cash dividends declared ($1.00 per share)
    
-
      
-
      
(4,572,958
)
    
-
      
-
      
(4,572,958
)
Distribution of 10,238 shares of treasury stock for directors'
  compensation
    
-
      
(28,121
)
    
-
      
261,069
      
-
      
232,948
  
Distribution of 3,453 shares of treasury stock for employee
  compensation
    
-
      
(8,052
)
    
-
      
88,052
      
-
      
80,000
  
Sale of 10,100 shares of treasury stock
    
-
      
101
      
-
      
257,449
      
-
      
257,550
  
Purchase of 25,468 shares of treasury stock
    
-
      
-
      
-
      
(635,800
)
    
-
      
(635,800
)
Balances at December 31, 2012
  
$
53,101
    
$
45,357,073
    
$
107,078,182
    
$
(18,566,490
)
  
$
(2,806,929
)
  
$
131,114,937
  






 

 
F-5
 
 

CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY

(continued)
  
Common Stock
    
Additional Paid-in Capital
    
Retained Earnings
    
Treasury Stock
    
Accumulated Other Comprehensive Income (Loss)
    
Total
  
Balances at December 31, 2012
  
$
53,101
    
$
45,357,073
    
$
107,078,182
    
$
(18,566,490
)
  
$
(2,806,929
)
  
$
131,114,937
  
Net income
    
-
      
-
      
8,731,056
      
-
      
-
      
8,731,056
  
Other comprehensive income
    
-
      
-
      
-
      
-
      
2,962,110
      
2,962,110
  
Restricted stock awards
    
-
      
130,920
      
-
      
-
      
-
      
130,920
  
Distribution of 3,356 shares of treasury stock for directors’
  deferred compensation plan
    
-
      
(74,623
)
    
-
      
85,578
      
-
      
10,955
  
Distribution of 8,087 shares of treasury stock granted for
  employee restricted stock awards, net
    
-
      
(206,380
)
    
-
      
206,380
      
-
      
-
  
Restricted stock units for directors' deferred compensation plan
    
-
      
98,815
      
-
      
-
      
-
      
98,815
  
Cash dividends declared ($1.04 per share)
    
-
      
-
      
(4,778,149
)
    
-
      
-
      
(4,778,149
)
Distribution of 7,969 shares of treasury stock for directors'
  compensation
    
-
      
13,896
      
-
      
203,050
      
-
      
216,946
  
Distribution of 4,116 shares of treasury stock for employee
  compensation
    
-
      
7,278
      
-
      
104,876
      
-
      
112,154
  
Forfeit 1,797 shares of restricted stock awards
    
-
      
60,685
      
-
      
(60,685
)
    
-
      
-
  
Sale of 2,369 shares of treasury stock
    
-
      
10,518
      
-
      
60,362
      
-
      
70,880
  
Purchase of 3,094 shares of treasury stock
    
-
      
-
      
-
      
(92,630
)
    
-
      
(92,630
)
Balances at December 31, 2013
  
$
53,101
    
$
45,398,182
    
$
111,031,089
    
$
(18,059,559
)
  
$
155,181
    
$
138,577,994
  
   
See accompanying notes to consolidated financial statements.
  



















 

 
F-6
 
 

CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
CONSOLIDATED STATEMENTS OF CASH FLOWS

 
Years Ended December 31,
CASH FLOWS FROM OPERATING ACTIVITIES:
  
2013
      
2012
      
2011
Net income
  
$
8,731,056
    
$
11,022,240
    
$
10,537,755
  
Adjustments to reconcile net income to net cash provided by operating activities:
                        
Amortization of intangible assets
    
921,413
      
1,046,720
      
1,041,193
  
Deferred income tax (benefit) expense
    
(120,590
)
    
646,899
      
3,416,135
  
Provision for loan losses
    
2,754,726
      
827,567
      
958,333
  
Depreciation and amortization of fixed assets
    
3,236,034
      
2,946,499
      
2,861,644
  
Amortization of premiums on securities, net
    
2,279,939
      
1,827,055
      
1,394,115
  
Gains on sales of loans held for sale, net
    
(502,718
)
    
(484,006
)
    
(179,096
)
Proceeds from sales of loans held for sale
    
20,075,670
      
15,684,266
      
7,778,633
  
Loans originated and held for sale
    
(19,210,483
)
    
(15,862,142
)
    
(7,507,967
)
Gain on bargain purchase
    
(469,929
)
    
-
      
-
  
Net (gains) losses on sale of other real estate owned
    
(27,695
)
    
44,648
      
(91,533
)
Net gains on trading assets
    
(42,756
)
    
(26,880
)
    
(2,506
)
Net gains on securities transactions
    
(16,379
)
    
(300,516
)
    
(1,108,091
)
Net impairment loss recognized on investment securities
    
29,025
      
-
      
67,400
  
Proceeds from sales of trading assets
    
111,541
      
96,498
      
19,938
  
Purchase of trading assets
    
(86,799
)
    
(123,478
)
    
(311,813
)
(Increase) decrease in other assets
    
(6,213,191
)
    
6,083,953
      
(9,890,546
)
Decrease in prepaid FDIC Assessment
    
1,969,526
      
732,777
      
164,744
  
Decrease in accrued interest payable
    
(107,535
)
    
(347,519
)
    
(287,822
)
Expense related to restricted stock units for directors' deferred compensation plan
    
98,815
      
86,717
      
80,083
  
Expense related to employee stock compensation
    
112,154
      
80,000
      
55,000
  
Expense related to employee restricted stock awards
    
130,920
      
79,510
      
28,141
  
Increase in other liabilities
    
9,403,504
      
587,817
      
231,811
  
Income from bank owned life insurance
    
(83,931
)
    
(86,577
)
    
(88,389
)
     Net cash provided by operating activities
    
22,972,317
      
24,562,048
      
9,167,162
  
 
CASH FLOWS FROM INVESTING ACTIVITIES:
                        
Proceeds from sales and calls of securities available for sale
    
18,149,995
      
90,870,086
      
88,741,210
  
Proceeds from maturities and principal collected on securities available for sale
    
44,045,818
      
29,341,503
      
31,200,076
  
Proceeds from maturities and principal collected on securities held to maturity
    
5,702,678
      
4,295,975
      
3,965,483
  
Purchases of securities available for sale
    
(174,034,193
)
    
(80,443,763
)
    
(127,405,986
)
Purchases of securities held to maturity
    
(6,449,149
)
    
(1,732,507
)
    
(4,562,281
)
Purchase of Federal Home Loan Bank and Federal Reserve Bank stock
    
(16,124,350
)
    
(26,250
)
    
(1,002,500
)
Redemption of Federal Home Loan Bank and Federal Reserve Bank stock
    
16,352,900
      
825,300
      
400,350
  
Purchases of premises and equipment
    
(3,709,531
)
    
(3,668,479
)
    
(2,551,969
)
Cash paid Fort Orange Financial Corp. acquisition
    
-
      
-
      
(8,137,816
)
Cash received Fort Orange Financial Corp. acquisition
    
-
      
-
      
33,284,995
  
Cash received acquisition of Bank of America branches
    
173,672,561
      
-
      
-
  
Cash paid Bank of America branches
    
(2,768,276
)
    
-
      
-
  
Proceeds from sale of other real estate owned
    
155,116
      
796,446
      
327,087
  
Net increase in loans
    
(101,481,327
)
    
(97,115,130
)
    
(19,322,219
)
     Net cash used by investing activities
    
(46,487,758
)
    
(56,856,819
)
    
(5,063,570
)
 
CASH FLOWS FROM FINANCING ACTIVITIES:
                        
Net increase in demand deposits, interest-bearing demand accounts,
  savings accounts, and insured money market accounts
    
67,565,921
      
86,541,575
      
55,243,997
  
Net decrease in time deposits
    
(27,084,698
)
    
(40,300,400
)
    
(43,578,345
)
Net decrease in securities sold under agreements to repurchase
    
(9,427
)
    
(4,396,192
)
    
(18,236,546
)
Repayments of Federal Home Loan Bank long term advances
    
(1,982,735
)
    
(16,118,555
)
    
(910,246
)
Purchase of treasury stock
    
(92,630
)
    
(635,800
 )     
(501,299
)
Sale of treasury stock
    
70,880
      
257,550
      
217,520
  
Cash dividends paid
    
(3,583,627
)
    
(5,714,039
)
    
(4,056,597
)
     Net cash provided (used) by financing activities
    
34,883,684
      
19,634,139
      
(11,821,516
)
Net increase (decrease) in cash and cash equivalents
    
11,368,243
      
(12,660,632
)
    
(7,717,924
)
Cash and cash equivalents, beginning of period
    
40,241,221
      
52,901,853
      
60,619,777
  
Cash and cash equivalents, end of period
  
$
51,609,464
    
$
40,241,221
    
$
52,901,853
  





 

 
F-7
 
 


 
Supplemental disclosure of cash flow information:
                        
Cash paid during the year for:
                        
  Interest
  
$
4,162,532
    
$
5,642,945
    
$
6,782,999
  
  Income Taxes
  
$
5,303,670
    
$
1,732,411
    
$
5,110,847
  
Supplemental disclosure of non-cash activity:
                        
  Transfer of loans to other real estate owned
  
$
102,970
    
$
618,302
    
$
533,976
  
  Dividends declared, not yet paid
  
$
1,194,522
    
$
-
    
$
-
  
See accompanying notes to consolidated financial statements.


























































 

 
F-8
 
 

CHEMUNG FINANCIAL CORPORATION AND SUBSIDIARIES
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
DECEMBER 31, 2013, 2012 and 2011

(1)           SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in the Notes to Consolidated Financial Statements.

FASB:  Financial Accounting Standards Board
OTTI:  Other-than-temporary impairment
FDIC:  Federal Deposit Insurance Corporation
PCI:  Purchased credit impaired
FHLBNY:  Federal Home Loan Bank of New York
SEC:  Securities and Exchange Commission
GAAP:  U.S. generally accepted accounting principles
CDO: Collateralized Debt Obligation

ORGANIZATION

Chemung Financial Corporation (the "Corporation"), through its wholly owned subsidiaries, Chemung Canal Trust Company (the "Bank") and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients.  The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.

BASIS OF PRESENTATION

The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and include the accounts of the Corporation and its subsidiaries.  All significant intercompany balances and transactions are eliminated in consolidation.

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 based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.  The allowance for loan losses, fair value of financial instruments, other-than-temporary impairment of investment securities and goodwill and other intangibles are particularly subject to change.

SECURITIES

Management determines the appropriate classification of securities at the time of purchase.  If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost.  Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value.  Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method.

Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.
 

 
F-9
 
 


In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows.  OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows.

Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected.

FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK

The Bank is a member of both the FHLBNY and the FRBNY.  FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank’s capital stock and surplus.  FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value.  Cash dividends are reported as income.

BANK OWNED LIFE INSURANCE

Bank Owned Life Insurance ("BOLI") is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.  Changes in the cash surrender value are recorded in other income.

LOANS HELD FOR SALE

Certain mortgage loans are originated with the intent to sell.  Loans held for sale are recorded at the lower of cost or fair value in the aggregate.  Loans held for sale, as well as the commitments to sell the loans that are originated for sale, are regularly evaluated for changes in fair value.  If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates.

LOANS

Loans are stated at the amount of unpaid principal balance net of deferred origination fees and costs and unearned income.  Additionally, recorded investment in loans includes interest receivable on loans.  The Corporation has the ability and intent to hold its loans for the foreseeable future.  The Corporation’s loan portfolio, including acquired loans, is comprised of the following segments: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages, and (iv) consumer loans.

Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation’s market area in a diverse range of industries.  These loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances.  Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan.  Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from their employment and other income, but are secured by real property.  Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages.  Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower’s continuing financial stability.








 
F-10
 
 


Interest on loans is accrued and credited to operations using the interest method.  Past due status is based on the contractual terms of the loan.  The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent.  Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted.  All payments received on non accrual loans are applied to principal.  Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.  Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.

ACQUIRED LOANS

Non-Impaired Acquired Loans:

Loans acquired are initially recorded at fair value with no carryover of the related allowance for loan losses.  After acquisition, losses beyond those estimated in determining the initial fair value are recognized through the allowance for loan losses.  Determining fair value of the loans involves estimating the amount and timing of expected principal and interest cash flows to be collected on the loans and discounting those cash flows at a market interest rate.

Purchased Credit Impaired Loans:

Loans acquired that show evidence of credit deterioration since origination are considered purchased credit impaired loans  These loans are recorded at the fair value of the amount paid, such that there is no carryover of the seller’s allowance for loan losses.

Such purchased loans are accounted for individually.  The Corporation estimates the amount and timing of expected cash flows for each purchased loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield).  The excess of the loan’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).

After acquisition, losses are recognized by an increase in the allowance for loan losses.  Over the life of the loan expected cash flows continue to be estimated.  If the present value of expected cash flows is less than the carrying amount, a reserve is established.  If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.  These loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.

TROUBLED DEBT RESTRUCTURINGS

Troubled debt restructuring (“TDR”) is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise.  Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs.  Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms, or by the presence of other significant items.

ALLOWANCE FOR LOAN LOSSES

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.  The allowance is established based on management’s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.





 

 
F-11
 
 


A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.  Specific valuation allowances are established based on management’s analyses of individually impaired loans.  Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.  Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.  For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.  These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy.

The allowance for loan losses is increased through a provision for loan losses charged to operations.  Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.  Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.  In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

PREMISES AND EQUIPMENT

Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture.  Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset.

OTHER REAL ESTATE

Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value.  Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.  Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.
 

 
F-12
 
 


INCOME TAXES

The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards.  Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.  A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.

A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.

WEALTH MANAGEMENT GROUP FEE INCOME

Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.  The unaudited market value of trust assets under administration total $1.888 billion at December 31, 2013 and $1.735 billion at December 31, 2012.

POSTRETIREMENT BENEFITS

Pension Plan:

The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.  The Pension Plan is a “qualified plan” under the IRS Code and therefore must be funded.  Contributions are deposited to the Plan and held in trust.  The Plan assets may only be used to pay retirement benefits and eligible plan expenses.  The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.  Bonuses, overtime, commissions and dividends are excluded.  The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.  Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.  Compensation for purposes of determining benefits under the Plan is reviewed annually.

Defined Contribution Profit Sharing, Savings and Investment Plan:

The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.  The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.  The plan’s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.


 
F-13
 
 


Defined Benefit Health Care Plan:

The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements.  This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current and future retirees between the ages of 55 and 65, will continue to be eligible for coverage under the Corporation's self insured plan, contributing 50% of the cost of the coverage. Employees who retire after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.  The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.

Executive Supplemental Pension Plan:

U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.  The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.  Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.

The Executive Supplemental Pension Plan is a “non-qualified plan” under the Internal Revenue Service Code.  Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.  When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to other operating expense in the consolidated statements of income.

Defined Contribution Supplemental Executive Retirement Plan:

The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events.  The Defined Contribution Supplemental Executive Retirement Plan will deliver a retirement benefit comparable to that received by other executive officers participating in the bank’s Defined Benefit Plan.

The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.  The plan’s expense is the Corporation’s annual contribution plus interest credits.










 

 
F-14
 
 


STOCK-BASED COMPENSATION

Restricted Stock Plan:

The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Corporation’s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation’s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.  Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation’s common stock to or for the benefit of employees selected to participate in the Plan.  Each officer of the Corporation, other than the Corporation’s chief executive officer, is eligible to participate in the Plan.  Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.  The maximum number of shares of the Corporation’s common stock that may be awarded as restricted shares to Plan participants may not exceed fifteen thousand (15,000) per calendar year.  Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.  Except in the case of the participant’s death, disability, or in the event of a change in control, the participant’s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Corporation or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.  The plan’s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date.

Deferred Directors Fee Plan:

A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.  Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation’s common stock purchased on the deferral date.  Cash deferrals will be paid into an interest bearing account and paid in cash.  Units will be paid in shares of common stock.  All directors’ fees are charged to other operating expense in the consolidated statements of income.

Directors’ Compensation Plan:

The purpose of the Directors’ Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation.  The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank.  The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation’s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year.   The maximum number of shares of Corporation’s common stock that may be granted under the Plan may not exceed twenty thousand (20,000) per year.  The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior thirty (30) trading days ending on December 31st of the calendar year.  The cost of all cash and stock compensation is charged to other operating expenses in the consolidated statements of income.







 

 
F-15
 
 


Incentive Compensation Plan:

The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.  The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation.  To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.  The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is ten thousand (10,000) per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000.  The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board.  The cost of all cash and unrestricted stock compensation is charged to other operating expenses in the consolidated statements of income.

Non-qualified Deferred Compensation Plan:

The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.  Eligible employees are generally highly compensated employees and are designated by the Board from time to time.  Investments in the plan are recorded as trading assets and deferred amounts are an unfunded liability of the Corporation.  The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code.  The income from investments and cost of the plan are recorded as other operating income and other operating expenses, respectively, in the consolidated statements of income.

GOODWILL AND INTANGIBLE ASSETS

Goodwill resulting from business combinations prior to January 1, 2009 represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill resulting from business combinations after January 1, 2009, is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  The Corporation has selected December 31 as the date to perform the annual impairment test. Goodwill is the only intangible asset with an indefinite life on our balance sheet.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The balances are reviewed for impairment on an ongoing basis or whenever events or changes in business circumstances warrant a review of the carrying value.  If impairment is determined to exist, the related write-down of the intangible asset's carrying value is charged to operations.  Based on these impairment reviews, the Corporation determined that goodwill and other intangible assets were not impaired at December 31, 2013.

The Corporation's intangible assets with definite useful lives resulted from the purchase of the trust business of Partners Trust Bank in May of 2007, the acquisition of three former M&T Bank branch offices in March 2008, the acquisition of Canton Bancorp, Inc. in May 2009, the acquisition of Fort Orange Financial Corp. in April 2011 and the acquisition of six branches of Bank of America in November of 2013, with balances of $2,719,873, $86,862, $17,547, $1,443,014 and $2,109,781, respectively, at December 31, 2013.  The trust business intangible is being amortized to expense over the expected useful life of 15 years.  The identifiable core deposit and customer relationship intangibles related to the M&T branch offices, and Canton Bancorp, Inc. acquisitions are being amortized to expense using a 7.25 year accelerated method.  The identifiable core deposit related to the branch offices in the Bank of America acquisition is being amortized to expense using a 7 year accelerated method.  The identifiable core deposit intangible related to the FOFC acquisition is being amortized using a 10 year sum-of-the-years digits method.
 

 
F-16
 
 


EARNINGS PER COMMON SHARE

Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period.  Issuable shares including those related to directors’ restricted stock units and directors’ stock compensation are considered outstanding and are included in the computation of basic earnings per share as they are earned.  All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Restricted stock awards are grants of participating securities.  The impact of the participating securities on earnings per share is not material.  Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur.

COMPREHENSIVE INCOME

Comprehensive income consists of net income and other comprehensive income.  Other comprehensive income includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation’s defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.

CASH AND CASH EQUIVALENTS

Cash and cash equivalents include cash and amounts due from banks and interest-bearing deposits with other financial institutions.

TRADING ASSETS

Securities that are held to fund a non-qualified deferred compensation plan are recorded at fair value with changes in fair value included in earnings.

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

The Corporation enters into sales of securities under agreements to repurchase.  The agreements are treated as financings, and the obligations to repurchase securities sold are reflected as liabilities in the consolidated balance sheets. The amount of the securities underlying the agreements continues to be carried in the Corporation's securities portfolio.  The Corporation has agreed to repurchase securities identical to those sold.  The securities underlying the agreements are under the Corporation's control.

OTHER FINANCIAL INSTRUMENTS

The Corporation is a party to certain other financial instruments with off-balance sheet risk such as unused portions of lines of credit and commitments to fund new loans.  The Corporation's policy is to record such instruments when funded.

SEGMENT REPORTING

The Corporation has identified separate operating segments and internal financial information is primarily reported and aggregated in two lines of business, banking and wealth management services.

RECLASSIFICATION

Amounts in the prior years' consolidated financial statements are reclassified whenever necessary to conform with the current year's presentation.






 

 
F-17
 
 


SUBSEQUENT EVENTS

The Corporation owned one CDO consisting of a pool of trust preferred securities at December 31, 2013.  This CDO was liquidated and the Corporation will record in the other operating income category approximately $0.5 million during the first quarter of 2014.  The Corporation does not own any other CDO’s in its investment securities portfolio.

ADOPTION OF NEW ACCOUNTING STANDARDS

In February 2013, the FASB issued Accounting Standards Update (“ASU”) No. 2013-02, “Comprehensive Income (Topic 220) – Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.”  ASU 2013-02 amends recent guidance related to the reporting of comprehensive income to enhance the transparency of the reporting of reclassifications out of accumulated other comprehensive income.  ASU 2013-02 became effective for the Corporation on January 1, 2013 and did not have a material impact on the Corporation’s financial statements.  The additional disclosures are included in Note 18 Accumulated Other Comprehensive Income or Loss.


(2)           RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS

The Corporation was in compliance with the reserve requirement with the Federal Reserve Bank of New York as of December 31, 2013.

The Corporation also maintains a pre-funded settlement account with a financial institution in the amount of $1,213,000 for electronic funds transaction settlement purposes at December 31, 2013.


(3)           SECURITIES

Amortized cost and estimated fair value of securities available for sale at December 31, 2013 and 2012 are as follows:
   
2013
    
2012
  
   
Amortized Cost
    
Estimated Fair Value
    
Amortized Cost
    
Estimated Fair Value
  
Obligations of U.S. Government and U.S.
  Government sponsored enterprises
  
$
187,098,006
    
$
188,106,208
    
$
138,041,393
    
$
141,591,214
  
Mortgage-backed securities, residential
    
104,068,981
      
104,356,521
      
29,591,883
      
31,515,249
  
Collateralized mortgage obligations
    
1,000,743
      
1,014,876
      
3,494,642
      
3,543,360
  
Obligations of states and political
  subdivisions
    
37,339,530
      
38,376,222
      
39,174,595
      
40,814,722
  
Corporate bonds and notes
    
2,878,813
      
2,945,807
      
11,412,167
      
11,651,635
  
SBA loan pools
    
1,470,513
      
1,487,579
      
1,682,736
      
1,724,140
  
Trust preferred securities
    
1,898,047
      
2,033,594
      
2,519,379
      
2,470,913
  
Corporate stocks
    
444,452
      
7,695,099
      
736,495
      
6,374,530
  
     Total
  
$
336,199,085
    
$
346,015,906
    
$
226,653,290
    
$
239,685,763
  













 

 
F-18
 
 


Gross unrealized gains and losses on securities available for sale at December 31, 2013 and 2012, were as follows:

   
2013
    
2012
  
   
Unrealized
    
Unrealized
    
Unrealized
    
Unrealized
  
   
Gains
    
Losses
    
Gains
    
Losses
  
Obligations of U.S. Government and U.S.
  Government sponsored enterprises
  
$
1,914,660
    
$
906,458
    
$
3,549,821
    
$
-
  
Mortgage-backed securities, residential
    
1,037,343
      
749,803
      
1,923,366
      
-
  
Collateralized mortgage obligations
    
14,133
      
-
      
48,718
      
-
  
Obligations of states and political subdivisions
    
1,059,007
      
22,315
      
1,641,510
      
1,383
  
Corporate bonds and notes
    
75,672
      
8,678
      
239,468
      
-
  
SBA loan pools
    
17,066
      
-
      
41,404
      
-
  
Trust preferred securities
    
135,547
      
-
      
134,959
      
183,425
  
Corporate stocks
    
7,252,615
      
1,968
      
5,645,753
      
7,718
  
     Total
  
$
11,506,043
    
$
1,689,222
    
$
13,224,999
    
$
192,526
  


The amortized cost and estimated fair value of debt securities available for sale are shown below by expected maturity.  Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately:

   
December 31, 2013
    
   
Amortized
    
Fair
    
   
Cost
    
Value
    
Within One Year
  
$
23,420,022
    
$
23,680,095
    
After One, But Within Five Years
    
188,131,675
      
190,334,668
    
After Five, But Within Ten Years
    
17,662,699
      
17,447,068
    
After Ten Years
    
-
      
-
    
Mortgage-backed securities, residential
    
104,068,981
      
104,356,521
    
Collateralized mortgage obligations
    
1,000,743
      
1,014,876
    
SBA loan pools
    
1,470,513
      
1,487,579
    
     Total
  
$
335,754,633
    
$
338,320,807
    

Actual maturities may differ from contractual maturities above because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

The proceeds from sales and calls of securities resulting in gains or losses are listed below:

   
2013
    
2012
    
2011
Proceeds
$
2,649,993
  
$
26,210,087
  
$
35,741,211
Gross gains
$
16,379
  
$
300,516
  
$
1,108,091
Tax expense
$
6,296
 
$
115,518
  
$
423,191


Amortized cost and estimated fair value of securities held to maturity at December 31, 2013 and 2012 are as follows:

   
2013
    
2012
  
   
Amortized Cost
    
Estimated Fair Value
    
Amortized Cost
    
Estimated Fair Value
  
Obligations of states and political subdivisions
  
$
5,471,505
    
$
5,890,122
    
$
5,748,453
    
$
6,421,486
  
Time Deposits with other financial institutions
    
1,023,419
      
1,039,427
      
-
      
-
  
   
$
6,494,924
    
$
6,929,549
    
$
5,748,453
    
$
6,421,486
  



 

 
F-19
 
 


Gross unrealized gains and losses on securities held to maturity at December 31, 2013 and 2012, were as follows:

   
2013
    
2012
  
   
Unrealized
    
Unrealized
    
Unrealized
    
Unrealized
  
   
Gains
    
Losses
    
Gains
    
Losses
  
Obligations of states and political subdivisions
  
$
418,617
    
$
-
    
$
673,033
    
$
-
  
Time deposits with other financial institutions
    
16,008
      
-
      
-
      
-
  
     Total
  
$
434,625
    
$
-
    
$
673,033
    
$
-
  

There were no sales of securities held to maturity in 2013 or 2012.

The contractual maturity of securities held to maturity is as follows at December 31, 2013:

   
December 31, 2013
    
   
Amortized
    
Fair
    
   
Cost
    
Value
    
Within One Year
  
$
2,361,713
    
$
2,394,183
    
After One, But Within Five Years
    
2,841,351
      
3,052,594
    
After Five, But Within Ten Years
    
1,291,860
      
1,482,772
    
After Ten Years
    
-
      
-
    
     Total
  
$
6,494,924
    
$
6,929,549
    


The following table summarizes the investment securities available for sale with unrealized losses at December 31, 2013 and December 31, 2012 by aggregated major security type and length of time in a continuous unrealized position:

   
Less than 12 months
    
12 months or longer
    
Total
  
2013
  
Fair Value
    
Unrealized
Losses
    
Fair Value
    
Unrealized
Losses
    
Fair Value
    
Unrealized
Losses
  
 
Obligations of U.S.
  Government and U.S.
  Government sponsored
  enterprises
  
$
83,839,910
    
$
867,495
    
$
1,978,200
    
$
38,963
    
$
85,818,110
    
$
906,458
  
Mortgage-backed
  securities, residential
    
63,115,382
      
749,803
      
-
      
-
      
63,115,382
      
749,803
  
Obligations of states and
  political subdivisions
    
4,588,521
      
22,315
      
-
      
-
      
4,588,521
      
22,315
  
Corporate bonds and
  notes
    
237,792
      
8,678
      
-
      
-
      
237,792
      
8,678
  
Corporate stocks
    
-
      
-
      
1,669
      
1,968
      
1,669
      
1,968
  
     Total temporarily
        impaired securities
  
$
151,781,605
    
$
1,648,291
    
$
1,979,869
    
$
40,931
    
$
153,761,474
    
$
1,689,222
  


   
Less than 12 months
    
12 months or longer
    
Total
  
2012
  
Fair Value
    
Unrealized
Losses
    
Fair Value
    
Unrealized
Losses
    
Fair Value
    
Unrealized
Losses
  
 
Obligations of states and
  political subdivisions
  
$
-
    
$
-
    
$
430,166
    
$
1,383
    
$
430,166
    
$
1,383
  
Trust preferred securities
    
-
      
-
      
445,600
      
183,425
      
445,600
      
183,425
  
Corporate stocks
    
-
      
-
      
45,912
      
7,718
      
45,912
      
7,718
  
     Total temporarily
        impaired securities
  
$
-
    
$
-
    
$
921,678
    
$
192,526
    
$
921,678
    
$
192,526
  


 
F-20
 
 


Other-Than-Temporary-Impairment

As of December 31, 2013, the majority of the Corporation’s unrealized losses in the investment securities portfolio related to obligations of U.S. Government and U.S. Government sponsored enterprises and mortgage-backed securities.  Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Corporation does not have the intent to sell these securities and it is not likely that it will be required to sell these securities before their anticipated recovery, the Corporation does not consider these securities to be other-than-temporarily impaired at December 31, 2013.

During the fourth quarter of 2013, the Corporation sold one CDO consisting of a pool of trust preferred securities that had an amortized cost of $600,000.  Total proceeds from the sale of this CDO was $600,000 resulting in no gains or losses.  The Corporation recognized $29,025 of additional credit loss in OTTI during 2013.  This CDO was sold in light of the uncertainty surrounding the recently released rules contained in the “Volcker Rule” regarding the ability of banks to hold these types of securities and based on current market conditions.

The table below presents a roll forward of the cumulative credit losses recognized in earnings for the periods ended December 31, 2013, 2012 and 2013:
 
   
2013
    
2012
    
2011
Beginning balance, January 1,
$
3,506,073
  
$
3,506,073
  
$
3,438,673
Amounts related to credit loss for which other-than-temporary
     impairment was not previously recognized
  
-
    
-
    
-
Additions/Subtractions:
                
  Amounts related to securities for which the company intends to sell
     or that it will be more likely than not that the company will be required to
     sell prior to recovery of amortized cost basis
 
-
    
-
    
-
  Reductions for increase in cash flows expected to be collected that are
     recognized over the remaining life of the security
  
-
    
-
    
-
  Reductions for previous credit losses realized on securities sold during the year
  
(1,596,396
)
  
-
    
-
  Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized
  
29,025
    
-
    
67,400
Ending balance, December 31,
$
1,938,702
  
$
3,506,073
  
$
3,506,073

The remaining cumulative credit loss balance relates to one CDO, which was liquidated during the first quarter of 2014.

The fair value of securities pledged to secure public funds on deposit or for other purposes as required by law was $188,875,494 at December 31, 2013 and $212,257,614 at December 31, 2012.

The table below shows the securities pledged to secure securities sold under agreements to repurchase at December 31, 2013 and 2012:
 
   
2013
    
2012
  
   
Amortized Cost
    
Estimated Fair Value
    
Amortized Cost
    
Estimated Fair Value
  
Obligations of U.S. Government and U. S.
  Government sponsored enterprises
  
$
33,745,835
    
$
34,369,411
    
$
31,888,493
    
$
32,812,885
  
Mortgage-backed securities, residential
    
11,802,122
      
12,364,885
      
16,503,983
      
17,575,852
  
Collateralized mortgage obligations
    
204,842
      
207,366
      
756,542
      
770,625
  
     Total
  
$
45,752,799
    
$
46,941,662
    
$
49,149,018
    
$
51,159,362
  

There are no securities of a single issuer (other than securities of U.S. Government sponsored enterprises) that exceed 10% of shareholders' equity at December 31, 2013 or 2012.

The Corporation has an equity investment in Cephas Capital Partners, L.P.  This small business investment company was established for the purpose of providing financing to small businesses in market areas served by the Corporation, including minority-owned small businesses and those that are anticipated to create jobs for the low to moderate income levels in the targeted areas. As of December 31, 2013 and 2012, these investments totaled $956,626 and $1,757,252, respectively, are included in other assets, and are accounted for under the equity method of accounting.

 

 
F-21
 
 


(4)           LOANS AND ALLOWANCE FOR LOAN LOSSES

The composition of the loan portfolio, net of deferred origination fees and cost, and unearned income is summarized as follows:
   
December 31, 2013
    
December 31, 2012
  
Commercial and agricultural:
                
  Commercial and industrial
  
$
144,786,585
    
$
133,154,615
  
  Agricultural
    
575,670
      
696,666
  
Commercial mortgages:
                
  Construction
    
27,440,372
      
43,269,303
  
  Commercial mortgages
    
345,706,661
      
276,928,123
  
Residential mortgages
    
195,996,599
      
200,475,097
  
Consumer loans:
                
  Credit cards
    
1,756,414
      
1,851,145
  
  Home equity lines and loans
    
95,905,130
      
87,045,421
  
  Indirect consumer loans
    
164,845,874
      
130,573,200
  
  Direct consumer loans
    
18,852,459
      
19,523,371
  
      Total loans, net of deferred origination
        fees and costs, and unearned income
  
$
995,865,764
    
$
893,516,941
  
Interest receivable on loans
    
2,597,301
      
2,383,998
  
      Total recorded investment in loans
  
$
998,463,065
    
$
895,900,939
  

Residential mortgages held for sale as of December 31, 2013 and 2012 totaling $694,840 and $1,057,309, respectively, are not included in the above table.

Residential mortgages totaling $145,107,384 at December 31, 2013 and $142,278,166 at December 31, 2012 were pledged under a blanket collateral agreement for the Corporation's line of credit with the FHLBNY.

The Corporation's concentrations of credit risk by loan type are reflected in the preceding table.  The concentrations of credit risk with standby letters of credit, committed lines of credit and commitments to originate new loans generally follow the loan classifications in the table above.

The following tables present the activity in the allowance for loan losses by portfolio segment for the years ending December 31, 2013, 2012 and 2011, respectively:
 
   
December 31, 2013
  
Allowance for loan losses
  
Commercial, and Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Unallocated
    
Total
  
Beginning balance:
  
$
1,707,596
    
$
4,427,698
    
$
1,565,571
    
$
2,705,639
    
$
26,146
    
$
10,432,650
  
  Charge Offs:
    
(186,045
)
    
(44,049
)
    
(124,277
)
    
(1,139,061
)
    
-
      
(1,493,432
)
  Recoveries:
    
537,476
      
97,953
      
65,180
      
381,015
      
-
      
1,081,624
  
     Net recoveries (charge offs)
    
351,431
      
53,904
      
(59,097
)
    
(758,046
)
    
-
      
(411,808
)
  Provision
    
(80,338
)
    
1,761,394
      
10,418
      
1,089,398
      
(26,146
)
    
2,754,726
  
Ending balance
  
$
1,978,689
    
$
6,242,996
    
$
1,516,892
    
$
3,036,991
    
$
-
    
$
12,775,568
  


   
December 31, 2012
  
Allowance for loan losses
  
Commercial, and Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Unallocated
    
Total
  
Beginning balance:
  
$
3,143,373
    
$
2,570,149
    
$
1,309,649
    
$
2,192,729
    
$
443,420
    
$
9,659,320
  
Reclassification of acquired
  loan discount
    
73,229
      
50,331
      
-
      
-
      
-
      
123,560
  
  Charge Offs:
    
(180,999
)
    
(335,093
)
    
(82,442
)
    
(673,885
)
    
-
      
(1,272,419
)
  Recoveries:
    
802,056
      
54,637
      
-
      
237,929
      
-
      
1,094,622
  
     Net recoveries (charge offs)
    
621,057
      
(280,456
)
    
(82,442
)
    
(435,956
)
    
-
      
(177,797
)
  Provision
    
(2,130,063
)
    
2,087,674
      
338,364
      
948,866
      
(417,274
)
    
827,567
  
Ending balance
  
$
1,707,596
    
$
4,427,698
    
$
1,565,571
    
$
2,705,639
    
$
26,146
    
$
10,432,650
  


 
F-22
 
 


   
December 31, 2011
  
Allowance for loan losses
  
Commercial,  and Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Unallocated
    
Total
  
Beginning balance:
  
$
2,118,299
    
$
2,575,058
    
$
1,301,780
    
$
2,727,022
    
$
775,972
    
$
9,498,131
  
  Charge Offs:
    
(686,192
)
    
(19,206
)
    
(67,333
)
    
(725,826
)
    
-
      
(1,498,557
)
  Recoveries:
    
423,422
      
40,717
      
44,953
      
192,321
      
-
      
701,413
  
   Net (charge offs) recoveries
    
(262,770
)
    
21,511
      
(22,380
)
    
(533,505
)
    
-
      
(797,144
)
  Provision
    
1,287,844
      
(26,420
)
    
30,249
      
(788
)
    
(332,552
)
    
958,333
  
Ending balance
  
$
3,143,373
    
$
2,570,149
    
$
1,309,649
    
$
2,192,729
    
$
443,420
    
$
9,659,320
  


The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013 and December 31, 2012:

   
December 31, 2013
Allowance for loan losses
  
Commercial,  and Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Unallocated
    
Total
  
Ending allowance balance
  attributable to loans:
                                    
Individually evaluated for
  impairment
  
$
575,995
    
$
466,055
    
$
-
    
$
3,972
    
$
-
    
$
1,046,022
  
Collectively evaluated for
  impairment
    
1,402,694
      
4,407,377
      
1,497,214
      
3,033,019
      
-
      
10,340,304
  
Loans acquired with
  deteriorated credit quality
    
-
      
1,369,564
      
19,678
      
-
      
-
      
1,389,242
  
Total ending allowance balance
  
$
1,978,689
    
$
6,242,996
    
$
1,516,892
    
$
3,036,991
    
$
-
    
$
12,775,568
  


   
December 31, 2012
Allowance for loan losses
  
Commercial,  and Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Unallocated
    
Total
  
Ending allowance balance attributable to loans:
                                    
Individually evaluated for impairment
  
$
133,437
    
$
59,201
    
$
-
    
$
-
    
$
-
    
$
192,638
  
Collectively evaluated for impairment
    
1,459,432
      
3,533,365
      
1,565,571
      
2,705,639
      
26,146
      
9,290,153
  
Loans acquired with
  deteriorated credit quality
    
114,727
      
835,132
      
-
      
-
      
-
      
949,859
  
Total ending allowance balance
  
$
1,707,596
    
$
4,427,698
    
$
1,565,571
    
$
2,705,639
    
$
26,146
    
$
10,432,650
  
















 

 
F-23
 
 


   
December 31, 2013
  
Loans:
  
Commercial
and
Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Total
  
Loans individually
  evaluated for impairment
  
$
2,945,524
    
$
10,702,816
    
$
117,278
    
$
130,929
    
$
13,896,547
  
Loans collectively
  evaluated for  impairment
    
142,107,931
      
354,636,380
      
196,146,739
      
281,978,972
      
974,870,022
  
Loans acquired with deteriorated
  credit quality
    
678,383
      
8,756,562
      
261,551
      
-
      
9,696,496
  
Total ending loans balance
  
$
145,731,838
    
$
374,095,758
    
$
196,525,568
    
$
282,109,901
    
$
998,463,065
  



   
December 31, 2012
  
Loans:
  
Commercial
and
Agricultural
    
Commercial Mortgages
    
Residential Mortgages
    
Consumer Loans
    
Total
  
Loans individually
  evaluated for impairment
  
$
1,907,395
    
$
10,620,274
    
$
131,909
    
$
-
    
$
12,659,578
  
Loans collectively
  evaluated for  impairment
    
131,045,609
      
301,172,164
      
200,622,600
      
239,689,455
      
872,529,828
  
Loans acquired with deteriorated
  credit quality
    
1,241,418
      
9,225,847
      
244,268
      
-
      
10,711,533
  
Total ending loans balance
  
$
134,194,422
    
$
321,018,285
    
$
200,998,777
    
$
239,689,455
    
$
895,900,939
  







































 

 
F-24
 
 

The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2013 and December 31, 2012, the average recorded investment and interest income recognized by class
of loans as of the years ending December 31, 2013 and 2012:
 
   
December 31, 2013
  
December 31, 2012
  
   
Unpaid Principal Balance
    
Recorded Investment
    
Allowance for Loan Losses Allocated
    
Unpaid Principal Balance
    
Recorded Investment
      
Allowance for Loan Losses Allocated
    
With no related allowance recorded:
                                        
Commercial and agricultural:
                                        
  Commercial and industrial
  
$
1,905,782
    
$
1,909,412
    
$
-
    
$
2,059,027
 
$
1,462,157
    
$
-
    
Commercial mortgages:
                                                
  Construction
    
2,329,223
      
2,318,729
      
-
      
5,168,353
    
5,166,853
      
-
    
  Commercial mortgages other
    
7,406,355
      
7,439,358
      
-
      
5,678,565
    
5,090,399
      
-
    
Residential mortgages
    
117,278
      
117,278
      
-
      
131,909
    
131,909
      
-
    
Consumer loans:
                                                
  Home equity lines and loans
    
70,970
      
72,730
      
-
      
-
    
-
      
-
    
With an allowance recorded:
                                                
Commercial and agricultural:
                                                
  Commercial and industrial
    
1,036,381
      
1,036,112
      
575,995
      
446,330
    
445,238
      
133,437
    
Commercial mortgages:
                                                
  Commercial mortgages other
    
951,241
      
944,729
      
466,055
      
364,423
    
363,022
      
59,201
    
Consumer loans:
                                                
  Home equity lines and loans
    
57,828
      
58,199
      
3,972
      
-
    
-
      
-
    
  Total
  
$
13,875,058
    
$
13,896,547
    
$
1,046,022
    
$
13,848,607
 
$
12,659,578
    
$
192,638
    


   
December 31, 2013
    
December 31, 2012
    
December 31, 2011
    
   
Average Recorded Investment
    
Interest Income Recognized (1)
    
Average Recorded Investment
    
Interest Income Recognized (1)
    
Average Recorded Investment
      
Interest Income Recognized (1)
    
With no related allowance recorded:
                                        
Commercial and agricultural:
                                        
  Commercial and industrial
  
$
1,604,773
    
$
71,088
    
$
480,755
    
$
632
 
$
3,029,611
    
$
28,796
    
Commercial mortgages:
                                                
  Construction
    
3,364,173
      
95,235
      
73,316
      
870
    
20,578
      
-
    
  Commercial mortgages other
    
5,990,852
      
249,459
      
1,989,795
      
10,338
    
2,743,345
      
4,959
    
Residential mortgages
    
124,896
      
-
      
105,880
      
-
    
250,391
      
-
    
Consumer loans:
                                                
  Home equity lines & loans
    
47,472
      
2,043
      
29,784
      
-
    
-
      
-
    
With an allowance recorded:
                                                
Commercial and agricultural:
                                                
  Commercial and industrial
    
719,453
      
-
      
1,830,896
      
-
    
2,065,263
      
-
    
Commercial mortgages:
                                                
  Construction
    
-
      
-
      
4,148
      
-
    
14,893
      
-
    
  Commercial mortgages other
    
866,722
      
-
      
872,292
      
-
    
1,521,828
      
-
    
Residential mortgages
    
-
      
-
      
64,003
      
-
    
-
      
-
    
Consumer loans:
                              
 
                
  Home equity lines and loans
    
46,520
      
3,437
      
-
      
-
       -         -    
  Direct consumer loans
    
3,050
      
-
      
-
      
-
    
-
      
-
    
  Total
  
$
12,767,911
    
$
421,262
    
$
5,450,869
    
$
11,840
  
$
9,645,909
    
$
33,755
    


 

 
F-25
 
 


The following tables present the recorded investment in past due and non-accrual status by class of loans as of December 31, 2013 and December 31, 2012:
 
December 31, 2013
  
Current
    
30-89 Days Past Due
    
90 Days or more Past Due and accruing
      
Loans acquired with deteriorated credit quality
    
Non-Accrual (1)
    
Total
  
Commercial and agricultural:
                                      
  Commercial and industrial
  
$
143,099,999
    
$
28,888
    
$
-
    
$
678,383
    
$
1,347,435
    
$
145,154,705
  
  Agricultural
    
577,133
      
-
      
-
      
-
      
-
      
577,133
  
Commercial mortgages:
                                                
  Construction
    
24,743,496
      
-
      
1,453,180
      
773,738
      
539,725
      
27,510,139
  
  Commercial mortgages other
    
335,122,887
      
1,137,897
      
-
      
7,982,824
      
2,342,011
      
346,585,619
  
Residential mortgages
    
187,448,407
      
5,457,860
      
-
      
261,551
      
3,357,750
      
196,525,568
  
Consumer loans:
                                                
  Credit cards
    
1,727,573
      
9,427
      
19,414
      
-
      
-
      
1,756,414
  
  Home equity lines and loans
    
95,348,467
      
150,238
      
-
      
-
      
635,373
      
96,134,078
  
  Indirect consumer loans
    
163,809,750
      
1,235,404
      
-
      
-
      
249,258
      
165,294,412
  
  Direct consumer loans
    
18,830,404
      
49,155
      
-
      
-
      
45,438
      
18,924,997
  
  Total
  
$
970,708,116
    
$
8,068,869
    
$
1,472,594
    
$
9,696,496
    
$
8,516,990
    
$
998,463,065
  
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.


December 31, 2012
  
Current
    
30-89 Days Past Due
    
90 Days or more Past Due and accruing
      
Loans acquired with deteriorated credit quality
    
Non-Accrual (1)
    
Total
  
Commercial and agricultural:
                                      
  Commercial and industrial
  
$
131,404,371
    
$
183,269
    
$
-
    
$
1,241,418
    
$
666,912
    
$
133,495,970
  
  Agricultural
    
698,452
      
-
      
-
      
-
      
-
      
698,452
  
Commercial mortgages:
                                                
  Construction
    
36,988,222
      
294,565
      
4,481,066
      
1,182,037
      
434,338
      
43,380,228
  
  Commercial mortgages other
    
266,261,798
      
1,750,806
      
-
      
8,043,810
      
1,581,643
      
277,638,057
  
Residential mortgages
    
194,185,617
      
4,145,868
      
-
`
    
244,268
      
2,423,024
      
200,998,777
  
Consumer loans:
                                                
  Credit cards
    
1,847,837
      
-
      
3,308
      
-
      
-
      
1,851,145
  
  Home equity lines and loans
    
86,486,781
      
211,739
      
-
      
-
      
571,365
      
87,269,885
  
  Indirect consumer loans
    
129,789,672
      
852,818
      
-
      
-
      
335,285
      
130,977,775
  
 Direct consumer loans
    
19,481,693
      
89,619
      
-
      
-
      
19,338
      
19,590,650
  
  Total
  
$
867,144,443
    
$
7,528,684
    
$
4,484,374
    
$
10,711,533
    
$
6,031,905
    
$
895,900,939
  
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2012.


 

 
F-26
 
 

Troubled Debt Restructurings:

As of December 31, 2013 and 2012, the Corporation has a recorded investment in troubled debt restructurings of $7,891,734 and $5,728,610, respectively.  There were specific reserves of $252,790 allocated for troubled debt restructurings at December 31, 2013 and no specific reserves allocated for troubled debt restructurings at December 31, 2012.  As of December 31, 2013, troubled debt restructurings totaling $6,830,550 were accruing interest under the modified terms and $1,061,184 were on non-accrual status.  As of December 31, 2012, troubled debt restructurings totaling $5,363,712 were accruing interest under the modified terms and $364,898 were on non-accrual status.  The Corporation has committed additional amounts totaling up to $165,000 and $130,000 as of December 31, 2013 and December 31, 2012, respectively, to customers with outstanding loans that are classified as troubled debt restructurings.

During the years ending December 31, 2013 and 2012, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: reduced scheduled payments for greater than 3 months or an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk.

The following table presents loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2013 and 2012:

December 31, 2013
  
Number of Loans
    
Pre-Modification Outstanding Recorded Investment
    
Post-Modification Outstanding Recorded Investment
    
Troubled debt restructurings:
                    
  Commercial and agricultural:
                          
    Commercial and industrial
    
5
    
$
1,342,690
    
$
1,342,690
    
  Commercial mortgages:
                          
    Construction
    
1
      
325,957
      
325,957
    
    Commercial mortgage other
    
1
      
133,000
      
133,000
    
  Consumer loans:
                          
    Home equity lines and loans
    
3
      
134,225
      
134,255
    
Total
    
10
    
$
1,935,872
    
$
1,935,872
    


December 31, 2012
  
Number of Loans
    
Pre-Modification Outstanding Recorded Investment
    
Post-Modification Outstanding Recorded Investment
    
Troubled debt restructurings:
                    
  Commercial and agricultural:
                          
    Commercial and industrial
    
4
    
$
1,307,188
    
$
1,307,188
    
  Commercial mortgages:
                          
    Construction
    
1
      
251,448
      
251,448
    
    Commercial mortgage other
    
3
      
3,871,779
      
3,871,779
    
Total
    
8
    
$
5,430,415
    
$
5,430,415
    

The troubled debt restructurings described above increased the allowance for loan losses by $107,727 and resulted in no charge offs during the year ended December 31, 2013.  The troubled debt restructurings described above did not increase the allowance for loan losses and resulted in no charge offs during the year ending December 31, 2012.

There were no payment defaults on any loans previously modified as troubled debt restructurings during the years ended December 31, 2013 or December 31, 2012, within twelve months following the modification.  A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.




 

 
F-27
 
 


Credit Quality Indicators

The Corporation establishes a risk rating at origination for all commercial loans.  The main factors considered in assigning risk ratings include, but are not limited to: historic and future debt service coverage, collateral position, operating performance, liquidity, leverage, payment history, management ability, and the customer’s industry.  Commercial relationship managers monitor all loans in their respective portfolios for any changes in the borrower’s ability to service their debt and affirm the risk ratings for the loans at least annually.

For the retail loans, which include lines of credit, installment, mortgage, and home equity loans, once a loan is properly approved and closed, the Corporation evaluates credit quality based upon loan repayment.

The Corporation uses the risk rating system to identify criticized and classified loans. Commercial relationships within the criticized and classified risk ratings are analyzed quarterly.  The Corporation uses the following definitions for criticized and classified loans (which are consistent with regulatory guidelines):

Special Mention – Loans classified as special mention have a potential weakness that deserves management’s close attention.  If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position as some future date.

Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capability of the obligor or of the collateral pledged, if any.  Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be not rated loans.  Based on the analyses performed as of December 31, 2013 and December 31, 2012, the risk category of the recorded investment of loans by class of loans is as follows:

 
December 31, 2013
      
   
Not Rated
    
Pass
    
Loans acquired with deteriorated credit quality
    
Special Mention
    
Substandard
    
Doubtful
    
Commercial and agricultural:
                                      
  Commercial and industrial
  
$
-
    
$
133,614,964
    
$
678,383
    
$
5,116,316
    
$
4,724,318
    
$
1,020,725
    
  Agricultural
    
-
      
577,133
      
-
      
-
      
-
      
-
    
Commercial mortgages:
                                                  
  Construction
    
-
      
23,087,004
      
773,738
      
2,783,848
      
865,549
      
-
    
  Commercial mortgage other
    
-
      
313,955,960
      
7,982,824
      
13,611,331
      
11,035,504
      
-
    
Residential mortgages
    
192,995,108
      
-
      
261,551
      
-
      
3,268,909
      
-
    
Consumer loans:
                                                  
  Credit cards
    
1,756,414
      
-
      
-
      
-
      
-
      
-
    
  Home equity lines and loans
    
95,421,822
      
-
      
-
      
-
      
712,256
      
-
    
  Indirect consumer loans
    
165,045,154
      
-
      
-
      
-
      
249,257
      
-
    
  Direct consumer loans
    
18,879,559
      
-
      
-
      
-
      
45,438
      
-
    
Total
  
$
474,098,057
    
$
471,235,061
    
$
9,696,496
    
$
21,511,495
    
$
20,901,231
    
$
1,020,725
    
       







 

 
F-28
 
 


 
December 31, 2012
      
   
Not Rated
    
Pass
    
Loans acquired with deteriorated credit quality
    
Special Mention
    
Substandard
    
Doubtful
    
Commercial and agricultural:
                                      
  Commercial and industrial
  
$
-
    
$
121,145,761
    
$
1,241,418
    
$
8,008,002
    
$
2,606,529
    
$
494,260
    
  Agricultural
    
-
      
698,452
      
-
      
-
      
-
      
-
    
Commercial mortgages:
                                                  
  Construction
    
-
      
34,882,896
      
1,182,037
      
5,153,918
      
2,161,377
      
-
    
  Commercial mortgage other
    
-
      
247,793,150
      
8,043,810
      
11,974,716
      
9,826,381
      
-
    
Residential mortgages
    
198,336,641
      
-
      
244,268
      
-
      
2,417,868
      
-
    
Consumer loans:
                                                  
  Credit cards
    
1,851,145
      
-
      
-
      
-
      
-
      
-
    
  Home equity lines and loans
    
86,615,392
      
-
      
-
      
-
      
654,493
      
-
    
  Indirect consumer loans
    
130,642,490
      
-
      
-
      
-
      
335,285
      
-
    
  Direct consumer loans
    
19,571,312
      
-
      
-
      
-
      
19,338
      
-
    
Total
  
$
437,016,980
    
$
404,520,259
    
$
10,711,533
    
$
25,136,636
    
$
18,021,271
    
$
494,260
    

The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential and consumer loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity.  The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2013 and December 31, 2012:

   
December 31, 2013
         
Consumer Loans
  
   
Residential Mortgages
    
Credit Card
    
Home Equity Lines and Loans
    
Indirect Consumer Loans
    
Other Direct Consumer Loans
  
Performing
  
$
193,167,818
    
$
1,737,000
    
$
95,498,705
    
$
165,045,154
    
$
18,879,559
  
Non-Performing
    
3,357,750
      
19,414
      
635,373
      
249,258
      
45,438
  
   
$
196,525,568
    
$
1,756,414
    
$
96,134,078
    
$
165,294,412
    
$
18,924,997
  


   
December 31, 2012
         
Consumer Loans
  
   
Residential Mortgages
    
Credit Card
    
Home Equity Lines and Loans
    
Indirect Consumer Loans
    
Other Direct Consumer Loans
  
Performing
  
$
198,575,753
    
$
1,847,837
    
$
86,698,520
    
$
130,642,490
    
$
19,571,312
  
Non-Performing
    
2,423,024
      
3,308
      
571,365
      
335,285
      
19,338
  
   
$
200,998,777
    
$
1,851,145
    
$
87,269,885
    
$
130,977,775
    
$
19,590,650
  


At the time of the merger with Fort Orange Financial Corp., the Corporation identified certain loans with evidence of deteriorated credit quality, and the probability that the Corporation would be unable to collect all contractually required payments from the borrower.  These loans are classified as PCI loans.  The Corporation adjusted its estimates of future expected losses, cash flows, and renewal assumptions on the PCI loans during the current year.  These adjustments were made for changes in expected cash flows due to loans refinanced beyond original maturity dates, impairments recognized subsequent to the acquisition, advances made for taxes or insurance to protect collateral held and payments received in excess of amounts originally expected.







 

 
F-29
 
 


The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2013 to December 31, 2013:
   
Balance at December 31, 2012
    
Income Accretion
    
All Other Adjustments
    
Balance at December 31, 2013
  
Contractually required principal and interest
  
$
16,896,078
    
$
-
    
$
(5,665,656
)
  
$
11,230,422
  
Contractual cash flows not expected to be collected
  (nonaccretable discount)
    
(3,655,500
)
    
-
      
3,112,751
      
(542,749
)
Cash flows expected to be collected
    
13,240,578
      
-
      
(2,552,905
)
    
10,687,673
  
Interest component of expected cash flows (accretable yield)
    
(2,529,045
)
    
1,162,653
      
375,215
      
(991,177
)
Fair value of loans acquired with deteriorating credit quality
  
$
10,711,533
    
$
1,162,653
    
$
(2,177,690
)
  
$
9,696,496
  


(5)  
PREMISES AND EQUIPMENT

Premises and equipment at December 31, 2013 and 2012 are as follows:

   
2013
    
2012
  
Land
  
$
4,803,406
    
$
3,553,406
  
Buildings
    
34,378,600
      
32,017,120
  
Projects in Progress
    
-
      
678,415
  
Equipment and furniture
    
34,919,986
      
31,428,650
  
Leasehold improvements
    
6,041,402
      
4,674,980
  
     
80,143,394
      
72,352,571
  
Less accumulated depreciation and amortization
    
50,104,220
      
46,868,186
  
   
$
30,039,174
    
$
25,484,385
  

Depreciation expense was $3,236,034, $2,946,499 and $2,861,644 for 2013, 2012 and 2011, respectively.

Operating Leases: The Corporation leases certain branch properties under operating leases.  Rent Expense was $1,306,948, $1,118,348, and $1,048,920 for 2013, 2012, and 2011, respectively.  Rent commitments, before considering renewal options that generally are present, were as follows:

Year
  
Estimated Expense
  
2014
  
$
1,664,865
  
2015
    
1,607,143
  
2016
    
1,358,618
  
2017
    
1,198,021
  
2018
    
1,156,562
  
2019 and thereafter
    
4,983,358
  
Total
  
$
11,968,567
  


















 

 
F-30
 
 


(6)           GOODWILL AND INTANGIBLE ASSETS

The changes in goodwill included in the core banking segment during the years ending December 31, 2013 and 2012 were as follows:

 
  
2013
    
2012
  
Beginning of year
  
$
21,824,443
    
$
21,983,617
  
Acquired goodwill
    
-
      
-
  
Adjustment of Acquired goodwill (1)
    
-
      
(159,174
)
End of year
  
$
21,824,443
    
$
21,824,443
  
(1) Adjustments related to Fort Orange Financial Corp. acquisition

 
Acquired intangible assets were as follows at December 31, 2013 and 2012:

   
At December 31, 2013
    
At December 31, 2012
  
   
Balance Acquired
    
Accumulated Amortization
    
Balance Acquired
    
Accumulated Amortization
  
Core deposit intangibles
  
$
5,974,468
    
$
2,337,959
    
$
3,819,798
    
$
1,796,853
  
Other customer relationship intangibles
    
6,063,423
      
3,322,855
      
6,063,423
      
2,942,548
  
Total
  
$
12,037,891
    
$
5,660,814
    
$
9,883,221
    
$
4,739,401
  

Aggregate amortization expense was $921,413, $1,046,720 and $1,041,193 for 2013, 2012 and 2011, respectively.

The remaining estimated aggregate amortization expense at December 31, 2013 is listed below:

Year
  
Estimated Expense
  
2014
  
$
1,310,056
  
2015
    
1,136,478
  
2016
    
986,063
  
2017
    
859,290
  
2018
    
734,237
  
2019 and thereafter
    
1,350,953
  
Total
  
$
6,377,077
  


(7)           DEPOSITS

A summary of deposits at December 31, 2013 and 2012 is as follows:

   
2013
    
2012
  
Non-interest-bearing demand deposits
  
$
351,222,057
    
$
300,610,463
  
Interest-bearing demand deposits
    
114,679,334
      
90,729,870
  
Insured money market accounts
    
361,094,929
      
243,114,771
  
Savings deposits
    
191,881,855
      
173,588,856
  
Time deposits
    
244,491,486
      
236,690,054
  
   
$
1,263,369,661
    
$
1,044,734,014
  














 

 
F-31
 
 


Scheduled maturities of time deposits at December 31, 2013, are summarized as follows:

Year
        
2014
  
$
178,903,280
  
2015
    
45,616,228
  
2016
    
7,498,340
  
2017
    
6,494,486
  
2018
    
4,245,277
  
2019 and thereafter
    
1,733,875
  
   
$
244,491,486
  
 
Time deposits include certificates of deposit in denominations of $100,000 or more aggregating $88,812,131 and $87,705,511 at December 31, 2013 and 2012, respectively. Interest expense on such certificates was $777,614, $1,202,345 and $1,799,472 for 2013, 2012 and 2011, respectively.

Maturities of time deposits in denominations of $100,000 or more outstanding at December 31, 2013 are summarized as follows:

3 months or less
  
$
24,370,627
  
Over 3 through 6 months
    
17,683,778
  
Over 6 through 12 months
    
24,521,432
  
Over 12 months
    
22,236,294
  
   
$
88,812,131
  


(8)           SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

A summary of securities sold under agreements to repurchase as of and for the years ended December 31, 2013, 2012 and 2011 is as follows:
 
   
2013
    
2012
    
2011
  
Securities sold under agreements to repurchase:
                  
  Balance at December 31
  
$
32,701,223
    
$
32,710,650
    
$
37,106,842
  
  Maximum month-end balance
  
$
32,701,223
    
$
38,283,747
    
$
51,183,631
  
  Average balance during year
  
$
31,101,784
    
$
34,534,496
    
$
43,731,872
  
  Weighted-average interest rate at December 31
    
2.93
%
    
3.02
%
    
3.20
%
   Average interest rate paid during year
    
2.76
%
    
2.88
%
    
3.14
%


Information concerning outstanding securities repurchase agreements as of December 31, 2013 is summarized as follows:
 
Remaining Term to Final Maturity (1)
  
Repurchase Liability
    
Accrued Interest Payable
    
Weighted Average Rate
    
Estimated Fair Value of Collateral Securities (2)
  
Within 90 days
  
$
12,701,223
    
$
-
      
0.10
%
  
$
16,529,108
  
After 90 days but within one year
    
-
      
-
      
-
%
    
-
  
After one year but within five years
    
20,000,000
      
65,766
      
4.13
%
    
24,492,110
  
After five years but within ten years
    
-
      
-
      
-
%
    
-
  
Total
  
$
32,701,223
    
$
65,766
      
2.93
%
  
$
41,021,218
  
(1)  
 At December 31, 2013, the securities repurchase agreements were non-callable with a weighted-average rate of 1.85%, and a weighted-average term to maturity of approximately 2.3 years.
(2)  
Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $328 thousand at December 31, 2013








 

 
F-32
 
 


(9)           FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES

The following is a summary of Federal Home Loan Bank fixed rate advances at December 31, 2013 and 2012.  The carrying amount includes the advance balance plus purchase accounting adjustments that are amortized over the term of the advance:
2013
 
Amount
  
Rate
  
Maturity Date
  
Call Date
  
$
1,033,399
  
3.20
%
  
June 18,2014
  
-
  
 
775,049
  
3.05
%
  
October 2, 2014
  
-
  
 
4,133,594
  
3.84
%
  
October 20, 2014
  
January 20, 2014
  
 
10,000,000
  
4.60
%
  
December 22, 2016
  
-
  
 
4,133,594
  
3.90
%
  
October 19, 2017
  
January 19, 2014
  
 
3,100,195
  
2.91
%
  
December 4, 2017
  
March 4, 2014
  
 
2,066,797
  
3.05
%
  
January 2, 2018
  
April 1, 2014
  
$
 25,242,628
  
3.93
%
          

2012
 
Amount
  
Rate
  
Maturity Date
  
Call Date
  
$
1,043,961
  
2.95
%
  
May 20, 2013
  
-
  
 
782,971
  
2.62
%
  
October 2, 2013
  
-
  
 
1,043,961
  
3.20
%
  
June 18,2014
  
-
  
 
782,971
  
3.05
%
  
October 2, 2014
  
-
  
 
4,175,846
  
3.84
%
  
October 20, 2014
  
January 22, 2013
  
 
10,000,000
  
4.60
%
  
December 22, 2016
  
-
  
 
4,175,846
  
3.90
%
  
October 19, 2017
  
January 22, 2013
  
 
3,131,884
  
2.91
%
  
December 4, 2017
  
March 4, 2013
  
 
2,087,923
  
3.05
%
  
January 2, 2018
  
April 1, 2013
  
$
27,225,363
  
3.86
%
          

Each advance is payable at its maturity date, with a prepayment penalty for term advances.  The advances were collateralized by $145,107,384 and $142,278,166 of first mortgage loans under a blanket lien arrangement at December 31, 2013 and 2012, respectively.  Based on this collateral and the Corporation’s holdings of FHLBNY stock, the Corporation is eligible to borrow up to a total of $73,083,424 at year-end 2013.


(10)           INCOME TAXES

For the years ended December 31, 2013, 2012 and 2011, income tax expense attributable to income from operations consisted of the following:

Current:
  
2013
    
2012
    
2011
  
  State
  
$
394,645
    
$
529,603
    
$
24,739
  
  Federal
    
3,548,242
      
4,207,980
      
1,592,276
  
     
3,942,887
      
4,737,583
      
1,617,015
  
Deferred expense/(benefit)
    
(120,590
)
    
646,899
      
3,416,135
  
   
$
3,822,297
    
$
5,384,482
    
$
5,033,150
  

Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows:

   
2013
    
2012
    
2011
  
Tax computed at statutory rate
  
$
4,268,140
    
$
5,578,285
    
$
5,294,107
  
Tax-exempt interest
    
(483,029
)
    
(506,280
)
    
(543,638
)
Dividend exclusion
    
(46,330
)
    
(39,237
)
    
(35,439
)
State taxes, net of Federal impact
    
188,182
      
438,582
      
386,214
  
Nondeductible interest expense
    
10,860
      
16,119
      
23,242
  
Other items, net
    
(115,526
)
    
(102,987
)
    
(91,336
)
     Income tax expense
  
$
3,822,297
    
$
5,384,482
    
$
5,033,150
  


 

 
F-33
 
 


The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2013 and 2012, are presented below:

   
2013
    
2012
  
Deferred tax assets:
            
Allowance for loan losses
  
$
4,889,110
    
$
3,989,953
  
Accrual for employee benefit plans
    
753,917
      
780,282
  
Depreciation
    
431,029
      
698,373
  
Deferred compensation and directors' fees
    
947,406
      
924,582
  
Purchase accounting adjustment – deposits
    
136,975
      
141,784
  
Purchase accounting adjustment – loans
    
339,440
      
612,696
  
Purchase accounting adjustment - fixed assets
    
223,744
      
223,602
  
Accounting for defined benefit pension and other benefit plans
    
3,690,995
      
6,776,728
  
Trust preferred impairment write down
    
741,926
      
1,340,893
  
Other
    
510,429
      
723,419
  
    Total gross deferred tax assets
  
$
12,664,971
    
$
16,212,312
  

Deferred tax liabilities:
  
2013
    
2012
  
Deferred loan fees and costs
  
$
929,357
    
$
908,343
  
Prepaid pension
    
5,435,293
      
6,102,441
  
Net unrealized gains on securities available for sale
    
3,929,141
      
5,165,238
  
Other
    
1,288,557
      
1,100,783
  
    Total gross deferred tax liabilities
    
11,582,348
      
13,276,805
  
      Net deferred tax asset
  
$
1,082,623
    
$
2,935,507
  

Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the loss carryback period. A valuation allowance is recognized when it is more likely than not that some portion of the deferred tax assets will not be realized.  In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax assets, the level of historical taxable income and projected future taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible.  Based on its assessment, management determined that no valuation allowance is necessary.

A reconciliation of the beginning and ending amount of unrecognized tax benefits (excluding interest) is as follows:

     
2011
  
Balance at January 1
    
$
123,530
  
Additions for tax positions of current year
      
-
  
Reductions related to settlement with taxing authorities
      
(123,530
)
Balance at December 31
    
$
-
  

As of December 31, 2013 and December 31, 2012 the Corporation did not have any unrecognized tax benefits.

The Corporation accounts for interest and penalties related to uncertain tax positions as part of its provision for Federal and State income taxes.  As of December 31, 2013 and 2012, the Corporation did not accrue any interest or penalties related to its uncertain tax positions.

The Corporation is not currently subject to examinations by Federal taxing authorities for the years prior to 2010 and for New York State taxing authorities for the years prior to 2010.









 

 
F-34
 
 


(11)           PENSION PLAN AND OTHER BENEFIT PLANS

Pension Plan

The Corporation has a noncontributory defined benefit pension plan covering substantially all employees.  The plan's defined benefit formula generally bases payments to retired employees upon their length of service multiplied by a percentage of the average monthly pay over the last five years of employment.

The Corporation uses a December 31 measurement date for its pension plan.

The Corporation amended the Defined Benefit Pension Plan during 2010.  New employees hired on or after the effective date will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment will result in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

The following table presents (1) changes in the plan's projected benefit obligation and plan assets, and (2) the plan's funded status at December 31, 2013 and 2012:

Change in projected benefit obligation:
  
2013
    
2012
  
Benefit obligation at beginning of year
  
$
38,051,477
    
$
32,526,033
  
Service cost
    
1,194,869
      
1,073,938
  
Interest cost
    
1,587,037
      
1,605,912
  
Actuarial (gain) loss
    
(3,269,422
)
    
4,213,664
  
Benefits paid
    
(1,378,161
)
    
(1,368,070
)
  Benefit obligation at end of year
  
$
36,185,800
    
$
38,051,477
  

Change in plan assets:
  
2013
    
2012
  
Fair value of plan assets at beginning of year
  
$
37,238,650
    
$
35,015,567
  
Actual return on plan assets
    
5,921,515
      
3,591,153
  
Employer contributions
    
-
      
-
  
Benefits paid
    
(1,378,161
)
    
(1,368,070
)
  Fair value of plan assets at end of year
  
$
41,782,004
    
$
37,238,650
  
                 
Funded status
  
$
5,596,204
    
$
(812,827
)

Amount recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

   
2013
    
2012
  
Net actuarial loss
  
$
9,842,829
    
$
17,789,018
  
Prior service cost
    
21,958
      
35,814
  
  Total before tax effects
  
$
9,864,787
    
$
17,824,832
  

The accumulated benefit obligation at December 31, 2013 and 2012 was $31,182,957 and $32,247,008, respectively.

The principal actuarial assumptions used in determining the projected benefit obligation as of December 31, 2013, 2012 and 2011 were as follows:
 
 
  
2013
    
2012
    
2011
    
Discount rate
    
4.92
%
    
4.26
%
    
4.95
%
Assumed rate of future compensation increase
    
5.00
%
    
5.00
%
    
5.00
%








 

 
F-35
 
 


Components of net periodic benefit cost and other amounts recognized in other comprehensive income in 2013, 2012 and 2011 consist of the following:

Net periodic benefit cost
  
2013
    
2012
    
2011
  
Service cost, benefits earned during the year
  
$
1,194,869
    
$
1,073,938
    
$
993,364
  
Interest cost on projected benefit obligation
    
1,587,037
      
1,605,912
      
1,569,151
  
Expected return on plan assets
    
(2,824,014
)
    
(2,742,609
)
    
(2,340,373
)
Amortization of net loss
    
1,579,266
      
1,410,144
      
706,419
  
Amortization of  prior service cost
    
13,856
      
13,856
      
29,873
  
  Net periodic cost
  
$
1,551,014
    
$
1,361,241
    
$
958,434
  

Other changes in plan assets and benefit obligations recognized in other comprehensive income:
  
2013
    
2012
    
2011
  
Net actuarial (gain) loss
  
$
(6,366,923
)
  
$
3,365,120
    
$
6,815,617
  
Recognized loss
    
(1,579,266
)
    
(1,410,144
)
    
(706,419
)
Amortization of prior service cost
    
(13,856
)
    
(13,856
)
    
(29,873
)
  Total recognized in other comprehensive (loss) income
     (before tax effect)
  
$
(7,960,045
)
  
$
1,941,120
    
$
6,079,325
  
  Total recognized in net benefit cost and other comprehensive
     (loss) income (before tax effect)
  
$
(6,409,031
)
  
$
3,302,361
    
$
7,037,759
  

Amounts expected to be recognized in net periodic cost during 2014
      
Loss recognition
  
$
639,349
  
Prior service cost recognition
  
$
7,320
  

The principal actuarial assumptions used in determining the net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 were as follows:

   
2013
    
2012
    
2011
  
Discount rate
    
4.26
%
    
4.95
%
    
5.65
%
Expected long-term rate of return on assets
    
7.75
%
    
8.00
%
    
8.00
%
Assumed rate of future compensation increase
    
5.00
%
    
5.00
%
    
5.00
%

The Corporation changes important assumptions whenever changing conditions warrant. The discount rate is evaluated at least annually and the expected long-term return on plan assets will typically be revised every three to five years, or as conditions warrant.  Other material assumptions include the compensation increase rates, rates of employee terminations, and rates of participant mortality.

The Corporation's overall investment strategy is to achieve a mix of investments for long-term growth and for near-term benefit payments with a wide diversification of asset types.  The target allocations for plan assets are shown in the table below. Equity securities primarily include investments in common or preferred shares of both U.S. and international companies. Debt securities include U.S. Treasury and Government bonds as well as U.S. Corporate bonds.  Other investments may consist of mutual funds, money market funds and cash & cash equivalents.  While no significant changes in the asset allocations are expected during 2014, the Corporation may make changes at any time.














 

 
F-36
 
 


The expected return on plan assets was determined based on a Capital Asset Pricing Model ("CAPM") using historical and expected future returns of the various asset classes, reflecting the target allocations described below.

Asset Class
  
Target Allocation 2013
    
Percentage of Plan Assets at December 31,
    
Expected Long-Term Rate of Return
  
                         
         
2013
    
2012
        
Large Cap Domestic Equities
    
30% - 60
%
    
54
%
    
51
%
    
10.3
%
Mid-Cap Domestic Equities
    
0% - 20
%
    
8
%
    
7
%
    
10.6
%
Small-Cap Domestic Equities
    
0% - 15
%
    
3
%
    
2
%
    
10.8
%
International Equities
    
0% - 25
%
    
4
%
    
4
%
    
10.3
%
Intermediate Fixed Income
    
20% - 50
%
    
26
%
    
31
%
    
4.7
%
Alternative Assets
    
0% - 10
%
    
3
%
    
3
  %    
7.5
%
Cash
    
0% - 20
%
    
2
%
    
2
%
    
2.5
%
    Total
            
100
%
    
100
%
        

The investment policy of the plan is to provide for long-term growth of principal and income without undue exposure to risk.  The focus is on long-term capital appreciation and income generation. The Corporation maintains an Investment Policy Statement ("IPS") that guides the investment allocation in the plan.  The IPS describes the target asset allocation positions as shown in the table above.

The Corporation has appointed an Employee Pension and Profit Sharing Committee to manage the general philosophy, objectives and process of the plan. The Employee Pension and Profit Sharing Committee meets with the Investment Manager periodically to review the plan's performance and to ensure that the current investment allocation is within the guidelines set forth in the IPS.  Only the Employee Pension and Profit Sharing Committee, in consultation with the Investment Manager, can make adjustments to maintain target ranges and for any permanent changes to the IPS.  Quarterly, the Board of Directors' Trust and Employee Benefits Committee reviews the performance of the plan with the Investment Manager.

As of December 31, 2013 and 2012, the Corporation's pension plan did not hold any direct investment in the Corporation's common stock.

The Corporation used the following methods and significant assumptions to estimate the fair value of each type of financial instrument held by the pension plan:

Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date.  The fair value hierarchy described below requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.

The fair values for investment securities are determined by quoted market prices, if available (Level 1).  For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2).  For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3).

Discounted cash flows are calculated using spread and optionality.  During times when trading is more liquid, broker quotes are used (if available) to validate the model.  Rating agency and industry research reports as well as defaults and deferrals on individual securities are reviewed and incorporated into the calculations.








 

 
F-37
 
 


The fair value of the plan assets at December 31, 2013 and 2012, by asset class are as follows:

     
Fair Value Measurement at December 31, 2013 Using
  
Plan Assets:
  
Carrying Value
    
Quoted Prices in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Cash
  
$
981,992
    
$
981,992
    
$
-
    
$
-
  
Equity securities:
                                
  U.S. companies
    
27,169,984
      
27,169,984
      
-
      
-
  
  International companies`
    
-
      
-
      
-
      
-
  
                                 
Mutual Funds
    
7,288,242
      
7,288,242
      
-
      
-
  
                                 
Debt securities:
                                
  U.S. Treasuries/Government bonds
    
3,308,718
      
3,308,718
      
-
      
-
  
  U.S. Corporate bonds
    
2,770,935
      
-
      
2,770,935
      
-
  
  Foreign bonds, notes & debentures
    
262,133
      
-
      
262,133
      
-
  
Total plan assets
  
$
41,782,004
    
$
38,748,936
    
$
3,033,068
    
$
-
  

     
Fair Value Measurement at December 31, 2012 Using
  
Plan Assets:
  
Carrying Value
    
Quoted Prices in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Cash
  
$
703,229
    
$
703,229
    
$
-
    
$
-
  
Equity securities:
                                
  U.S. companies
    
21,579,185
      
21,579,185
      
-
      
-
  
  International companies
    
629,883
      
629,883
      
-
      
-
  
                                 
Mutual Funds
    
7,217,760
      
7,217,760
      
-
      
-
  
                                 
Debt securities:
                                
  U.S. Treasuries/Government bonds
    
3,468,448
      
3,468,448
      
-
      
-
  
  U.S. Corporate bonds
    
3,371,255
      
-
      
3,371,255
      
-
  
  Foreign bonds, notes & debentures
    
268,890
      
-
      
268,890
      
-
  
Total plan assets
  
$
37,238,650
    
$
33,598,505
    
$
3,640,145
    
$
-
  

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan:

Calendar Year
  
Future Expected Benefit Payments
  
2014
  
$
1,699,649
  
2015
  
$
1,751,122
  
2016
  
$
1,838,606
  
2017
  
$
1,946,144
  
2018
  
$
2,036,469
  
2019-2023
  
$
11,305,023
  

The Corporation does not expect to contribute to the plan during 2014.  Funding requirements for subsequent years are uncertain and will significantly depend on changes in assumptions used to calculate plan funding levels, the actual return on plan assets, changes in the employee groups covered by the plan, and any legislative or regulatory changes affecting plan funding requirements.







 

 
F-38
 
 


For tax planning, financial planning, cash flow management or cost reduction purposes the Corporation may increase, accelerate, decrease or delay contributions to the plan to the extent permitted by law.

Defined Contribution Profit Sharing, Savings and Investment Plan

The Corporation also sponsors a defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.  Expense under the plan totaled $327,584, $322,090, and $331,689 for the years ended December 31, 2013, 2012 and 2011, respectively.  The plan's assets at December 31, 2013 and 2012 include 178,113 and 189,337 shares, respectively, of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.

The Corporation also contributed $193,192 and $70,995 at December 31, 2013 and December 31, 2012, respectively, to a non-discretionary 401K plan which covers all eligible employees hired after July 1, 2010.

Defined Benefit Health Care Plan

The Corporation uses a December 31 measurement date for its postretirement medical benefits plan.

The following table presents (1) changes in the plan's accumulated postretirement benefit obligation and (2) the plan's funded status at December 31, 2013 and 2012:

Changes in accumulated postretirement benefit obligation:
  
2013
    
2012
  
Accumulated postretirement benefit obligation at beginning of year
  
$
1,534,161
    
$
1,391,822
  
Service cost
    
44,000
      
39,000
  
Interest cost
    
66,000
      
71,000
  
Participant contributions
    
73,980
      
65,161
  
Actuarial (gain) loss
    
(60,855
)
    
177,966
  
Benefits paid
    
(167,172
)
    
(210,788
)
  Accumulated postretirement benefit obligation at end of year
  
$
1,490,114
    
$
1,534,161
  

Change in plan assets:
  
2013
    
2012
  
Fair value of plan assets at beginning of year
  
$
-
    
$
-
  
Employer contribution
    
93,192
      
145,627
  
Plan participants’ contributions
    
73,980
      
65,161
  
Benefits paid
    
(167,172
)
    
(210,788
)
  Fair value of plan assets at end of year
  
$
-
    
$
-
  
                 
Funded status
  
$
(1,490,114
)
  
$
(1,534,161
)


Amount recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

 
  
2013
    
2012
  
Net actuarial loss
  
$
148,081
    
$
218,936
  
Prior service benefit
    
(628,000
)
    
(725,000
)
  Total before tax effects
  
$
(479,919
)
  
$
(506,064
)


Weighted-average assumption for disclosure as of December 31,:
  
2013
    
2012
    
2011
  
Discount rate
    
4.92
%
    
4.26
%
    
4.95
%
Health care cost trend: Initial
    
8.00
%
    
9.00
%
    
10.00
%
Health care cost trend: Ultimate
    
5.00
%
    
5.00
%
    
5.00
%
Year ultimate cost trend reached
    
2018
      
2018
      
2018
  





 

 
F-39
 
 


The components of net periodic postretirement benefit cost for the years ended December 31, 2013, 2012 and 2011 are as follows:

Net periodic benefit cost
  
2013
    
2012
    
2011
  
Service cost
  
$
44,000
    
$
39,000
    
$
35,000
  
Interest cost
    
66,000
      
71,000
      
72,000
  
Amortization of  prior service benefit
    
(97,000
)
    
(97,000
)
    
(97,000
)
Recognized actuarial loss
    
10,000
      
1,000
      
-
  
  Net periodic postretirement cost
  
$
23,000
    
$
14,000
    
$
10,000
  


Other changes in plan assets and benefit obligations recognized
  in other comprehensive income:
  
2013
    
2012
    
2011
  
Net actuarial (gain) loss
  
$
(60,855
)
  
$
177,966
    
$
19,705
  
Recognized actuarial loss
    
(10,000
)
    
(1,000
)
    
-
  
Amortization of  prior service benefit
    
97,000
      
97,000
      
97,000
  
  Total recognized in other comprehensive income (before tax effect)
  
$
26,145
    
$
273,966
    
$
116,705
  
  Total recognized in net benefit cost and other comprehensive income
     (before tax effect)
  
$
49,145
    
$
287,966
    
$
126,705
  

Because the total unrecognized net loss in the plan is less than 10% of the accumulated postretirement benefit obligation, there will be no amortization over the average future working lifetime of active plan participants.  As of January 1, 2013 the average future working lifetime of active participants was 14.35 years.  Actual results for 2014 will depend on the 2014 actuarial valuation of the plan.

Amounts expected to be recognized in net periodic cost during 2014:
      
Loss recognition
  
$
-
  
Prior service cost recognition
  
$
(97,000
)

Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan.  A one-percentage point change in assumed health care cost trend rates would have the following effects:

Effect of a 1% increase in health care trend rate on:
  
2013
    
2012
    
2011
  
Benefit obligation
  
$
15,000
    
$
4,000
    
$
10,000
  
Total service and interest cost
  
$
300
    
$
(100
)
  
$
700
  

Effect of a 1% decrease in health care trend rate on:
  
2013
    
2012
    
2011
    
Benefit obligation
  
$
(23,000
)
  
$
(5,000
)
  
$
(11,000
)
  
Total service and interest cost
  
$
(1,500
)
  
$
(500
)
  
$
(500
)
  
 
Weighted-average assumptions for net periodic cost as of December 31,:
  
2013
    
2012
    
2011
  
Discount rate
    
4.26
%
    
4.95
%
    
5.65
%
Health care cost trend: Initial
    
9.00
%
    
10.00
%
    
14.00
%
Health care cost tread: Ultimate
    
5.00
%
    
5.00
%
    
5.00
%
Year ultimate reached
    
2018
      
2018
      
2020
  

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten:

Calendar Year
      
2014
  
$
144,000
  
2015
  
$
154,000
  
2016
  
$
143,000
  
2017
  
$
132,000
  
2018
  
$
150,000
  
2019-2023
  
$
680,000
  



 
F-40
 
 


The Corporation’s policy is to contribute the amount required to fund postretirement benefits as they become due to retirees.  The amount expected to be required in contributions to the plan during 2014 is $144,000.

Executive Supplemental Pension Plan

The Corporation also sponsors an Executive Supplemental Pension Plan for certain current and former executive officers to restore certain pension benefits that may be reduced due to limitations under the Internal Revenue Code.  The benefits under this plan are unfunded as of December 31, 2013 and 2012.

The Corporation uses a December 31 measurement date for its Executive Supplemental Pension Plan.

The following table presents Executive Supplemental Pension plan status at December 31, 2013 and 2012:

Change in benefit obligation:
  
2013
    
2012
  
Benefit obligation at beginning of year
  
$
1,161,749
    
$
1,069,490
  
Service cost
    
40,015
      
34,770
  
Interest cost
    
47,899
      
51,091
  
Actuarial (gain) loss
    
(59,197
)
    
81,128
  
Benefits paid
    
(74,730
)
    
(74,730
)
  Projected benefit obligation at end of year
  
$
1,115,736
    
$
1,161,749
  

Changes in plan assets:
  
2013
    
2012
  
Fair value of plan assets at beginning of year
  
$
-
    
$
-
  
Employer contributions
    
74,730
      
74,730
  
Benefits paid
    
(74,730
)
    
(74,730
)
  Fair value of plan assets at end of year
  
$
-
    
$
-
  
Unfunded status
  
$
(1,115,736
)
  
$
(1,161,479
)


Amounts recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

   
2013
    
2012
  
Net actuarial loss
  
$
194,181
    
$
287,679
  
Prior service cost
    
-
      
-
  
  Total before tax effects
  
$
194,181
    
$
287,679
  

Accumulated benefit obligation at December 31, 2013 and 2012 was $1,042,253 and $1,092,439, respectively.

Weighted-average assumption for disclosure as of December 31,:
  
2013
    
2012
    
2011
  
Discount rate
    
4.92
%
    
4.26
%
    
4.95
%
Assumed rate of future compensation increase
    
5.00
%
    
5.00
%
    
5.00
%

The components of net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 are as follows:

Net periodic benefit cost
  
2013
    
2012
    
2011
  
Service cost
  
$
40,015
    
$
34,770
    
$
30,625
  
Interest cost
    
47,899
      
51,091
      
53,771
  
Recognized actuarial loss
    
34,301
      
19,920
      
9,466
  
  Net periodic postretirement benefit cost
  
$
122,215
    
$
105,781
    
$
93,862
  

Other changes in plan assets and benefit obligation recognized in other
  comprehensive income:
  
2013
    
2012
    
2011
  
Net actuarial (gain) loss
  
$
(59,197
)
  
$
81,128
    
$
70,771
  
Recognized actuarial loss
    
(34,301
)
    
(19,920
)
    
(9,466
)
  Total recognized in other comprehensive income (before tax effect)
  
$
(93,498
)
  
$
61,208
    
$
61,305
  
                         
  Total recognized in net benefit cost and other comprehensive income
      (before tax effect)
  
$
28,717
    
$
166,989
    
$
155,167
  

 

 
F-41
 
 


Amounts expected to be recognized in net periodic cost during 2014:
  
Loss recognition
  
$
20,652
  
Prior service cost recognition
  
$
-
  

Weighted-average assumptions for net periodic cost as of December 31,:
  
2013
    
2012
    
2011
  
Discount rate
    
4.26
%
    
4.95
%
    
5.65
%
Salary scale
    
5.00
%
    
5.00
%
    
5.00
%

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the Supplemental Pension Plan:

Calendar Year
  
Future Estimated Benefit Payments
  
2014
  
$
75,000
  
2015
  
$
75,000
  
2016
  
$
75,000
  
2017
  
$
75,000
  
2018
  
$
116,000
  
2019-2023
  
$
580,000
  

The Corporation expects to contribute $75,000 to the plan during 2014. Corporation contributions are equal to the benefit payments to plan participants.

Defined Contribution Supplemental Executive Retirement Plan

The Corporation also sponsors a Defined Contribution Supplemental Executive Retirement Plan for certain current executive officers.  The plan is unfunded as of December 31, 2013 and is intended to provide nonqualified deferred compensation benefits payable at retirement, disability, death or certain other events.  The plan was initiated in 2012.  The balance in the plan as of December 31, 2013 and December 31, 2012 was $336,656 and $181,701, respectively.  A total of $154,955 and $181,701 was expensed during the years ended December 31, 2013 and 2012, respectively  In addition to each participants account being credited with the annual company contribution, each account will receive a quarterly interest credit that will equal the average yield on five year U.S. Treasury Notes.


(12)           STOCK COMPENSATION

Board of Director’s Stock Compensation

Members of the Board of Directors receive common shares of the Corporation equal in value to the amount of fees individually earned during the previous year for service as a director.  The common shares are distributed to the Corporation's individual board members from treasury shares of the Corporation on or about January 15 following the calendar year of service.

Additionally, the President and Chief Executive Officer of the Corporation, who does not receive cash compensation as a member of the Board of Directors, is awarded common shares equal in value to the average of those awarded to board members not employed by the Corporation who have served for 12 months during the prior year.

During January 2014 and 2013, 8,385 and 7,969 shares, respectively, were re-issued from treasury to fund the stock component of the directors' and the president and chief executive officer’s compensation.  An expense of $272,729, $216,946 and $232,948 related to this compensation was recognized during the years 2013, 2012 and 2011, respectively.  This expense is accrued as shares are earned.





 

 
F-42
 
 


Restricted Stock Plan

Pursuant to the Corporation’s Restricted Stock Plan (the “Plan”), the Corporation may make discretionary grants of restricted stock to officers other than the Corporation's Chief Executive Officer.  Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date.

A summary of restricted stock activity as of December 31, 2013, and changes during the year ended is presented below:
 
Shares
  
Weighted–Average Grant Date Fair Value
Nonvested at December 31, 2012
20,009
 
$
23.84
  Granted
8,087
    
32.18
  Vested
(5,660
)
  
23.22
  Forfeited or Cancelled
(1,797
)
  
25.04
Nonvested at December 31, 2013
20,639
  
$
27.17

As of December 31, 2013, there was $548,916 of total unrecognized compensation cost related to nonvested shares granted under the Plan.  The cost is expected to be recognized over a weighted-average period of 4.12 years.  The total fair value of shares vested during the years ended December 31, 2013 and 2012 were $180,576 and $87,314, respectively.


(13)           RELATED PARTY TRANSACTIONS

Members of the Board of Directors, certain Corporation officers, and their immediate families directly, or through entities in which they are principal owners (more than 10% interest), were customers of, and had loans and other transactions with the Corporation.  These loans are summarized as follows for the years ended December 31, 2013 and 2012:

   
2013
    
2012
  
Balance at beginning of year
  
$
25,389,555
    
$
20,884,273
  
New loans or additional advances
    
30,055,816
      
37,544,459
  
Repayments
    
(29,037,523
)
    
(33,039,177
)
Balance at end of year
  
$
26,407,848
    
$
25,389,555
  

Deposits from principal officers, directors, and their affiliates at year-end 2013 and 2012 were $9,762,196 and $9,928,331, respectively.


(14)           COMMITMENTS AND CONTINGENCIES

Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs.  These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates.  Commitments may expire without being used.  Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated.  The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.

The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows:
 
   
2013
    
2012
  
   
Fixed Rate
    
Variable Rate
    
Fixed Rate
    
Variable Rate
  
Commitments to make loans
  
$
21,049,240
    
$
7,893,481
    
$
28,707,673
    
$
11,588,081
  
Unused lines of credit
  
$
2,190,224
    
$
187,061,408
    
$
1,802,538
    
$
183,750,514
  
Standby letters of credit
  
$
-
    
$
17,290,453
    
$
-
    
$
15,016,673
  






 
F-43
 
 


Commitments to make Real Estate and Home Equity loans are generally made for periods of sixty days or less.  As of December 31, 2013, the fixed rate commitments to make loans have interest rates ranging from 3.625% to 5.375% and maturities ranging from five years to thirty years.  Commitments to fund commercial draw notes are generally made for periods of three months to eighteen months.  As of December 31, 2013, the fixed rate commitments have interest rates ranging from 3.35% to 5.25%.

Because many commitments and almost all standby letters of credit expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows.  Loan commitments and unused lines of credit have off-balance sheet credit risk because only origination fees are recognized on the consolidated balance sheet until commitments are fulfilled or expire.  The credit risk amounts are equal to the contractual amounts, assuming the amounts are fully advanced and collateral or other security is of no value.  The Corporation does not anticipate losses as a result of these transactions.  These commitments also have off-balance sheet interest rate risk in that the interest rate at which these commitments were made may not be at market rates on the date the commitments are fulfilled.

The Corporation has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party.  Standby letters of credit generally arise in connection with lending relationships.  The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers.  Contingent obligations under standby letters of credit totaled $17,290,453 at December 31, 2013 and represent the maximum potential future payments the Corporation could be required to make.  Typically, these instruments have terms of twelve months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements.  Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments.  Corporation policies governing loan collateral apply to standby letters of credit at the time of credit extension.  The carrying amount and fair value of the Corporation's standby letters of credit at December 31, 2013 was not significant.

The Corporation has an executive severance agreement with its President and Chief Executive Officer.

The Bank is a party in two legal proceedings involving its Wealth Management Group. In both proceedings, the Bank, as trustee pursuant to written trust instruments, has sought judicial settlement of trust accounts in the New York Surrogate’s Court for Chemung County. Individuals who are beneficiaries under the trusts have filed formal objections and/or demand letters with the Court in both of these accounting proceedings, objecting to the final settlement of the trust accounts. The objectants primarily assert that the Bank acted imprudently by failing to diversify the trusts’ investments and they claim $9.6 million and $24.1 million, consisting of damages and disallowed trustee’s commissions, plus unspecified legal fees in the respective proceedings. These proceedings are pending in the Surrogate’s Court. While the outcome of litigation is not predictable the Bank believes that the claims are without merit and is vigorously defending them.  As of December 31, 2013, no amount has been accrued for potential losses related to these proceedings as a potential loss is not considered probable or reasonably estimable in the opinion of management.

In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries.  Except for the above matter, we believe that we are not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on our financial results or liquidity.











 

 
F-44
 
 


(15)           PARENT COMPANY FINANCIAL INFORMATION

Condensed parent company only financial statement information of Chemung Financial Corporation is as follows (investment in subsidiaries is recorded using the equity method of accounting):

BALANCE SHEETS - DECEMBER 31
  
2013
    
2012
  
Assets:
            
Cash on deposit with subsidiary bank
  
$
2,685,601
    
$
1,788,169
  
Investment in subsidiary-Chemung Canal Trust Company
    
133,557,084
      
126,597,837
  
Investment in subsidiary-CFS Group, Inc.
    
778,949
      
640,229
  
Dividends receivable from subsidiary bank
    
1,194,522
      
-
  
Securities available for sale, at estimated fair value
    
342,898
      
304,190
  
Other assets
    
1,255,162
      
1,813,162
  
  Total assets
  
$
139,814,216
    
$
131,143,587
  
Liabilities and shareholders' equity:
                
Dividends payable
    
1,194,522
      
-
  
Other liabilities
    
41,700
      
28,650
  
  Total liabilities
    
1,236,222
      
28,650
  
Shareholders' equity:
                
  Total shareholders' equity
    
138,577,994
      
131,114,937
  
  Total liabilities and shareholders' equity
  
$
139,814,216
    
$
131,143,587
  

STATEMENTS OF INCOME - YEARS ENDED DECEMBER 31
  
2013
    
2012
    
2011
  
Dividends from subsidiary bank
  
$
4,778,149
    
$
4,572,958
    
$
11,916,475
  
Interest and dividend income
    
8,629
      
7,372
      
8,127
  
Other income
    
132,574
      
150,136
      
776,672
  
Operating expenses
    
324,122
      
331,441
      
227,847
  
Income before impact of subsidiaries' undistributed earnings or distributions
  in excess of earnings and income taxes
    
4,595,230
      
4,399,025
      
12,473,427
  
Equity in undistributed earnings (dividends in excess of earnings)
  of Chemung Canal Trust Company
    
3,873,011
      
6,410,993
      
(1,837,241
)
Equity in undistributed earnings of CFS Group, Inc.
    
138,720
      
53,798
      
44,166
  
Income before income tax
    
8,606,961
      
10,863,816
      
10,680,352
  
Income tax (benefit) expense
    
(124,095
)
    
(158,424
)
    
142,597
  
Net Income
  
$
8,731,056
    
$
11,022,240
    
$
10,537,755
  

STATEMENTS OF CASH FLOWS - YEARS ENDED DECEMBER 31
  
2013
    
2012
    
2011
  
Cash flows from operating activities:
                  
Net Income
  
$
8,731,056
    
$
11,022,240
    
$
10,537,755
  
Adjustments to reconcile net income to net cash provided by operating activities:
                        
Equity in (undistributed earnings) dividends in excess of earnings
  of Chemung Canal Trust Company
    
(3,873,011
)
    
(6,410,993
)
    
1,837,241
  
Equity in undistributed earnings of CFS Group, Inc.
    
(138,720
)
    
(53,798
)
    
(44,166
)
Change in dividend receivable
    
(1,194,522
)
    
1,141,081
      
(259,879
)
Change in other assets
    
558,000
      
765,150
      
(60,510
)
Change in other liabilities
    
78,117
      
48,081
      
161,692
  
Expense related to employee stock compensation
    
112,154
      
80,000
      
55,000
  
Expense related to restricted stock units for directors' deferred
  compensation plan
    
98,815
      
86,717
      
80,083
  
Expense to employee restricted stock awards
    
130,920
      
79,510
      
28,141
  
   Net cash provided by operating activities
    
4,502,809
      
6,757,988
      
12,335,357
  
Cash flow from investing activities:
                        
Cash paid Fort Orange Financial Corp. acquisition
    
-
      
-
      
(8,137,816
)
   Net cash used by investing activities
    
-
      
-
      
(8,137,816
)
Cash flow from financing activities:
                        
Cash dividends paid
    
(3,583,627
)
    
(5,714,039
)
    
(4,056,597
)
Purchase of treasury stock
    
(92,630
)
    
(635,800
)
    
(501,299
)
Sale of treasury stock
    
70,880
      
257,550
      
217,520
  
   Net cash used in financing activities
    
(3,605,377
)
    
(6,092,289
)
    
(4,340,376
)
   Increase (Decrease) in cash and cash equivalents
    
897,432
      
665,699
      
(142,835
)
Cash and cash equivalents at beginning of year
    
1,788,169
      
1,122,470
      
1,265,305
  
Cash and cash equivalents at end of year
  
$
2,685,601
    
$
1,788,169
    
$
1,122,470
  


 

 
F-45
 
 


(16)           FAIR VALUES

Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.  There are three levels of inputs that may be used to measure fair value:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Corporation used the following methods and significant assumptions to estimate fair value:

Investment Securities:  The fair values of securities available for sale are usually determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs), or matrix pricing, which is a mathematical technique widely used to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs).

The Corporation's investment in collateralized debt obligations consisting of pooled trust preferred securities which are issued by financial institutions were historically priced using Level 2 inputs.  The lack of observable inputs and market activity in this class of investments has been significant and resulted in unreliable external pricing.  Broker pricing and bid/ask spreads, when available, have varied widely.  The once active market has become comparatively inactive. As a result, these investments are now priced using Level 3 inputs.
The Corporation utilizes an external model for pricing these securities. This is the same model used in determining OTTI as further described in Note 3.  Information such as historical and current performance of the underlying collateral, deferral/default rates, collateral coverage ratios, break in yield calculations, cash flow projections, liquidity and credit premiums required by a market participant, and financial trend analysis with respect to the individual issuing financial institutions, are utilized in determining individual security valuations. Discount rates were utilized along with the cash flow projections in order to calculate an appropriate fair value.  These discount rates were calculated based on industry index rates and adjusted for various credit and liquidity factors.  Due to current market conditions as well as the limited trading activity of these securities, the market value of the securities is highly sensitive to assumption changes and market volatility.

Trading Assets:  Securities that are held to fund a deferred compensation plan are recorded at fair value with changes in fair value included in earnings.  The fair values of trading assets are determined by quoted market prices (Level 1 inputs).

Impaired Loans:  At the time a loan is considered impaired, it is valued at the lower of cost or fair value.  Impaired loans carried at fair value have been partially charged-off or receive specific allocations as part of the allowance for loan loss accounting.  For collateral dependent loans, fair value is commonly based on real estate appraisals.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.  Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, typically resulting in a Level 3 fair value classification.  Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.
 

 
F-46
 
 


Other Real Estate Owned:  Assets acquired through or instead of loan foreclosures are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis.  These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell.  Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.

Appraisals for both collateral-dependent impaired loans and other real estate owned (“OREO”) are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation.  Once received, appraisals are reviewed for reasonableness of assumptions, approaches utilized, Uniform Standards of Professional Appraisal Practice and other regulatory compliance, as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.  Appraisals are generally completed within the previous 12 month period prior to a property being placed into OREO.  On impaired loans, appraisal values are adjusted based on the age of the appraisal, the position of the lien, the type of the property and its condition.

Assets and liabilities measured at fair value on a recurring basis are summarized below:

     
Fair Value Measurement at December 31, 2013 Using
  
Financial Assets:
  
Fair Value
    
Quoted Prices
in Active Markets for Identical Assets (Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Obligations of U.S. Government and U.S. Government sponsored enterprises
  
$
188,106,208
    
$
31,261,500
    
$
156,844,708
    
$
-
  
Mortgage-backed securities, residential
    
104,356,521
      
-
      
104,356,521
      
-
  
Obligations of states and political subdivisions
    
38,376,222
      
-
      
38,376,222
      
-
  
Collateralized mortgage obligations
    
1,014,876
      
-
      
1,014,876
      
-
  
Corporate bonds and notes
    
2,945,807
      
-
      
2,945,807
      
-
  
SBA loan pools
    
1,487,579
      
-
      
1,487,579
      
-
  
Trust Preferred securities
    
2,033,594
      
-
      
2,033,594
      
-
  
Corporate stocks
    
7,695,099
      
7,279,075
      
416,024
      
-
  
Total available for sale securities
  
$
346,015,906
    
$
38,540,575
    
$
307,475,331
    
$
-
  
                                 
Trading assets
  
$
366,255
    
$
366,255
    
$
-
    
$
-
  


     
Fair Value Measurement at December 31, 2012 Using
  
Financial Assets:
  
Fair Value
    
Quoted Prices
in Active Markets for Identical Assets (Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Obligations of U.S. Government and U.S. Government sponsored enterprises
  
$
141,591,214
    
$
37,698,000
    
$
103,893,214
    
$
-
  
Mortgage-backed securities, residential
    
31,515,249
      
-
      
31,515,249
      
-
  
Obligations of states and political subdivisions
    
40,814,722
      
-
      
40,814,722
      
-
  
Collateralized mortgage obligations
    
3,543,360
      
-
      
3,543,360
      
-
  
Corporate bonds and notes
    
11,651,635
      
-
      
11,651,635
      
-
  
SBA loan pools
    
1,724,140
      
-
      
1,724,140
      
-
  
Trust Preferred securities
    
2,470,913
      
-
      
2,025,313
      
445,600
  
Corporate stocks
    
6,374,530
      
5,720,533
      
653,997
      
-
  
Total available for sale securities
  
$
239,685,763
    
$
43,418,533
    
$
195,821,630
    
$
445,600
  
                                 
Trading assets
  
$
348,241
    
$
348,241
    
$
-
    
$
-
  


 

 
F-47
 
 


There were no transfers between Level 1 and Level 2 during the year ending December 31, 2013 or the year ending December, 31, 2012.

The significant unobservable inputs used in the fair value measurement of the Corporation’s collateralized debt obligations are probabilities of specific-issuer defaults and deferrals and specific-issuer recovery assumptions.  Significant increases in specific-issuer default assumptions or decreases in specific-issuer recovery assumptions would result in a significantly lower fair value measurement.  Conversely, decreases in specific-issuer default assumptions or increases in specific-issuer recovery assumptions would result in a higher fair value measurement.  The Corporation treats all interest payment deferrals as defaults and assumes no recoveries on defaults.

The tables below present a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2013 and 2012:

Trust Preferred Securities Available for Sale
  
Fair Value Measurement twelve-months ended December 31, 2013 Using Significant Unobservable Inputs (Level 3)
    
Fair Value Measurement twelve-months ended December 31, 2012 Using Significant Unobservable Inputs (Level 3)
  
Beginning balance
  
$
445,600
    
$
294,910
  
Total gains/losses (realized/unrealized):
                
  Included in earnings:
                
    Loss on securities
    
-
 
    
-
  
    Impairment charge on investment securities
    
(29,025
 )     
-
  
  Included in other comprehensive income
    
183,425
      
150,690
  
Transfers in and/or out of Level 3
    
(600,000
)
    
-
  
Ending balance, December 31
  
$
-
    
$
445,600
  


Assets and liabilities measured at fair value on a non-recurring basis are summarized below:

     
Fair Value Measurement at
December 31, 2013 Using
  
Financial Assets:
  
Fair Value
    
Quoted Prices in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Impaired Loans:
                                
Commercial and agricultural:
                                
  Commercial and industrial
  
$
460,386
    
$
-
    
$
-
    
$
460,386
  
Commercial mortgages:
            
-
      
-
          
  Commercial mortgages other
    
485,186
      
-
      
-
      
485,186
  
Consumer loans:
                                
  Home equity lines and loans
    
53,856
                      
53,856
  
     Total Impaired Loans
  
$
999,428
    
$
-
    
$
-
    
$
999,428
  
Other real estate owned:
                                
Commercial and agricultural:
                                
  Commercial and industrial
  
$
101,200
    
$
-
    
$
-
    
$
101,200
  
Commercial mortgages:
                                
  Commercial mortgages other
    
265,702
      
-
      
-
      
265,702
  
Residential mortgages
    
106,270
      
-
      
-
      
106,270
  
Consumer loans:
                                
  Home equity lines and loans
    
64,859
      
-
      
-
      
64,859
  
     Total Other real estate owned, net
  
$
538,031
    
$
-
    
$
-
    
$
538,031
  




 

 
F-48
 
 


     
Fair Value Measurement at December 31, 2012 Using
  
Financial Assets:
  
Fair Value
    
Quoted Prices in Active Markets for Identical Assets
(Level 1)
    
Significant Other Observable Inputs
(Level 2)
    
Significant Unobservable Inputs
(Level 3)
  
Impaired Loans:
                                
Commercial and agricultural:
                                
  Commercial and industrial
  
$
311,801
    
$
-
    
$
-
    
$
311,801
  
Commercial mortgages:
            
-
      
-
          
  Commercial mortgages other
    
303,821
      
-
      
-
      
303,821
  
     Total Impaired Loans
  
$
615,622
    
$
-
    
$
-
    
$
615,622
  
Other real estate owned:
                                
Commercial and agricultural:
                                
  Commercial and industrial
  
$
101,200
    
$
-
    
$
-
    
$
101,200
  
Commercial mortgages:
                                
  Commercial mortgages other
    
257,702
      
-
      
-
      
257,702
  
Residential mortgages
    
201,679
      
-
      
-
      
201,679
  
Consumer loans:
                                
  Home equity lines and loans
    
4,000
      
-
      
-
      
4,000
  
     Total Other real estate owned, net
  
$
564,581
    
$
-
    
$
-
    
$
564,581
  

 
The following table presents information related to Level 3 non-recurring fair value measurement at December 31, 2013 and December 31, 2012:

Description
  
Fair Value at December 31, 2013
    
Technique
    
Unobservable Inputs
  
Impaired loans
  
$
999,428
    
Third party real estate and a 100% discount of personal property
    
1
Management discount based on underlying collateral characteristics and market conditions
  
                       
Other real estate owned
  
$
538,031
    
Third party appraisals
    
1
Estimated holding  period
  
                 
2
Estimated closing costs
  

Description
  
Fair Value at December 31, 2012
    
Technique
    
Unobservable Inputs
  
Impaired loans
  
$
615,622
    
Third party real estate and a 100% discount of personal property
    
1
Management discount based on underlying collateral characteristics and market conditions
  
                       
Other real estate owned
  
$
564,581
    
Third party appraisals
    
1
Estimated holding  period
  
                 
2
Estimated closing costs
  


Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a principal balance of $2,045,450 with a valuation allowance of $1,046,022 as of December 31, 2013, resulting in an increases of $853,384 in the provision for loan losses for the year ending December 31, 2013.  Impaired loans had a principal balance of $808,260 with a valuation allowance of $192,638 as of December 31, 2012, resulting in no additional provision for loan losses for the year ending December 31, 2012.

OREO, which is measured by the lower of carrying or fair value less costs to sell, had a net carrying amount of $538,031 at December 31, 2013.  The net carrying amount reflects the outstanding balance of $730,398 net of a valuation allowance of $192,367 at December 31, 2013, which resulted in a write down of $2,100 for the year ending December 31, 2013.  OREO had a net carrying amount of $564,581 at December 31, 2012.  The net carrying amount reflects the outstanding balance of $756,948 net of a valuation allowance of $192,367 at December 31, 2012, which resulted in a write down of $116,840 for the year ending December 31, 2012.

 

 
F-49
 
 


FAIR VALUE OF FINANCIAL INSTRUMENTS

The following methods and assumptions were used to estimate the fair value of each class of financial instruments:

Cash, Due From and Interest-Bearing Deposits in Other Financial Institutions

For those short-term instruments that generally mature in 90 days or less, the carrying value approximates fair value of which non interest-bearing deposits are classified as Level 1 and interest-bearing deposits with the FHLBNY and FRBNY are classified as Level 1, and time deposits are classified as Level 2.

FHLB and FRB Stock

It is not practicable to determine the fair value of FHLBNY and FRBNY stock due to restrictions on its transferability.

Loans Receivable

For variable-rate loans that reprice frequently, fair values approximate carrying values.  The fair values for other loans are estimated through discounted cash flow analysis using interest rates currently being offered for loans with similar terms and credit quality.  Loans are classified as Level 3.  The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.  Loans held for sale are classified as Level 2.

Deposits

The fair values disclosed for demand deposits, savings accounts and money market accounts are, by definition, equal to the amounts payable on demand at the reporting date (i.e., their carrying values) and classified as Level 1.

The fair value of certificates of deposits is estimated using a discounted cash flow approach that applies interest rates currently being offered on certificates to a schedule of the weighted-average expected monthly maturities and classified as Level 2.

Securities Sold Under Agreements to Repurchase (Repurchase Agreements)

These instruments bear both variable and fixed rates of interest.  Therefore, the carrying value approximates fair value for the variable rate instruments and the fair value of fixed rate instruments is based on discounted cash flows to maturity.  These are classified as Level 2.

Federal Home Loan Bank Advances

These instruments bear a stated rate of interest to maturity and, therefore, the fair value is based on discounted cash flows to maturity and classified as Level 2.

Commitments to Extend Credit

The fair value of commitments to extend credit is based on fees currently charged to enter into similar agreements, the counter-party's credit standing and discounted cash flow analysis.  The fair value of these commitments to extend credit approximates the recorded amounts of the related fees and is not material at December 31, 2013 and 2012.

Accrued Interest Receivable and Payable

For these short-term instruments, the carrying value approximates fair value resulting in a classification of Level 1, Level 2 or Level 3 depending upon the classification of the asset/liability they are associated with.


 

 
F-50
 
 


The carrying amounts and estimated fair values of other financial instruments, at December 31, 2013 and December 31, 2012, are as follows (dollars in thousands):
 
 
Fair Value Measurements at December 31, 2013
Financial Assets:
Carrying Amount
  
Quoted Prices in Active Markets for Identical Assets (Level 1)
  
Significant Other Observable Inputs
(Level 2)
  
Significant Unobservable Inputs(Level 3)
  
Estimated Fair Value (1)
  
Cash and due from financial
  institutions
$
31,600,112
  
$
31,600,112
  
$
-
  
$
  
-
  
$
31,600,112
  
Interest-bearing deposits in other
  financial institutions
  
20,009,352
    
20,009,352
    
-
      
-
    
20,009,352
  
Trading assets
  
366,255
    
366,255
    
-
      
-
    
366,255
  
Securities available for sale
  
346,015,906
    
38,540,575
    
307,475,331
      
-
    
346,015,906
  
Securities held to maturity
  
6,494,924
    
-
    
6,929,549
      
-
    
6,929,549
  
Federal Home Loan and Federal
  Reserve Bank stock
  
4,481,750
    
-
    
-
      
-
    
N/A
  
Loans, net
  
983,090,196
    
-
    
-
      
1,008,826,162
    
1,008,826,162
  
Loans held for sale
  
694,840
    
-
    
694,840
      
-
    
694,840
  
Accrued interest receivable
  
4,166,423
    
145,166
    
1,468,186
      
2,553,071
    
4,166,423
  
Financial liabilities:
                                
Deposits:
                                
Demand, savings, and insured
  money market accounts
$
1,018,878,175
  
$
1,018,878,175
  
$
-
    
$
-
  
$
1,018,878,175
  
Time deposits
  
244,491,486
    
-
    
245,481,933
      
-
    
245,481,933
  
Securities sold under agreements
  to repurchase
  
32,701,223
    
-
    
33,636,052
      
-
    
33,636,052
  
Federal Home Loan Bank advances
  
25,242,628
    
-
    
26,063,973
      
-
    
26,063,973
  
Accrued interest payable
  
335,818
    
14,445
    
170,328
      
151,045
    
335,818
  
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
 
 
 
 
 
Fair Value Measurements at December 31, 2012
Financial Assets:
Carrying Amount
  
Quoted Prices in Active Markets for Identical Assets (Level 1)
  
Significant Other Observable Inputs (Level 2)
Significant Unobservable Inputs (Level 3)
  
Estimated Fair Value (1)
  
Cash and due from financial
  institutions
$
29,239,309
  
$
29,239,309
  
$
-
    
$
-
  
$
29,239,309
  
Interest-bearing deposits in other
  financial institutions
  
11,001,912
    
8,444,188
    
2,557,724
      
-
    
11,001,912
  
Trading assets
  
348,241
    
348,241
    
-
      
-
    
348,241
  
Securities available for sale
  
239,685,763
    
43,418,533
    
195,821,630
      
445,600
    
239,685,763
  
Securities held to maturity
  
5,748,453
    
-
    
6,421,486
      
-
    
6,421,486
  
Federal Home Loan and Federal
  Reserve Bank stock
  
4,710,300
    
-
    
-
      
-
    
N/A
  
Loans, net
  
883,084,291
    
-
    
-
      
916,289,444
    
916,289,444
  
Loans held for sale
  
1,057,309
    
-
    
1,057,309
      
-
    
1,057,309
  
Accrued interest receivable
  
3,787,923
    
174,827
    
1,257,260
      
2,355,836
    
3,787,923
  
Financial liabilities:
                                
Deposits:
                                
Demand, savings, and insured
  money market accounts
$
808,043,960
  
$
808,043,960
  
$
-
    
$
-
  
$
808,043,960
  
Time deposits
  
236,690,054
    
-
    
238,245,225
      
-
    
238,245,225
  
Securities sold under agreements
  to repurchase
  
32,710,650
    
-
    
35,259,782
      
-
    
35,259,782
  
Federal Home Loan Bank advances
  
27,225,363
    
-
    
29,688,198
      
-
    
29,688,198
  
Accrued interest payable
  
452,629
    
11,793
    
278,988
      
161,848
    
452,629
  
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.

 
F-51
 
 

(17)           REGULATORY CAPITAL REQUIREMENTS

The Corporation 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 consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications 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 Corporation and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets (all as defined in the applicable regulations).  Management believes that, as of December 31, 2013 and 2012, the Corporation and the Bank met all capital adequacy requirements to which they were subject.

As of December 31, 2013, the most recent notification from the Federal Reserve Bank of New York categorized the Bank as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below.  There have been no conditions or events since that notification that management believes have changed the Bank's or the Corporation's capital category.

The Corporation’s principal source of funds for dividend payments is dividends received from the Bank.  Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies.  Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net income, combined with the retained net income of the preceding two years, subject to the capital requirements in the table below.  During 2014, the Bank could, without prior approval, declare dividends of approximately $8.5 million plus any 2014 net income retained to the date of the dividend declaration.

The actual capital amounts and ratios of the Corporation and the Bank are presented in the following table:

   
Actual
    
Required To Be Adequately Capitalized
    
Required To Be Well
Capitalized
  
As of December 31, 2013
  
Amount
    
Ratio
    
Amount
    
Ratio
    
Amount
    
Ratio
  
Total Capital (to Risk Weighted Assets):
      
     Consolidated
  
$
126,298,617
      
12.10
%
  
$
83,483,686
      
8.00
%
    
N/A
      
N/A
  
     Bank
  
$
121,221,937
      
11.63
%
  
$
83,368,967
      
8.00
%
  
$
104,211,209
      
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                                                
     Consolidated
  
$
110,260,258
      
10.57
%
  
$
41,741,843
      
4.00
%
    
N/A
      
N/A
  
     Bank
  
$
105,239,348
      
10.10
%
  
$
41,684,484
      
4.00
%
  
$
62,526,725
      
6.00
%
Tier 1 Capital (to Average Assets):
                                                
     Consolidated
  
$
110,260,258
      
8.08
%
  
$
40,940,320
      
3.00
%
    
N/A
      
N/A
  
     Bank
  
$
105,239,348
      
7.72
%
  
$
40,900,388
      
3.00
%
  
$
68,167,313
      
5.00
%


As of December 31, 2012
                                    
Total Capital (to Risk Weighted Assets):
                                    
     Consolidated
  
$
119,894,319
      
13.10
%
  
$
73,208,463
      
8.00
%
    
N/A
      
N/A
  
     Bank
  
$
115,391,331
      
12.64
%
  
$
73,044,522
      
8.00
%
  
$
91,305,653
      
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                                                
     Consolidated
  
$
106,924,553
      
11.68
%
  
$
36,604,232
      
4.00
%
    
N/A
      
N/A
  
     Bank
  
$
102,459,917
      
11.22
%
  
$
36,522,261
      
4.00
%
  
$
54,783,392
      
6.00
%
Tier 1 Capital (to Average Assets):
                                                
     Consolidated
  
$
106,924,553
      
8.74
%
  
$
36,701,105
      
3.00
%
    
N/A
      
N/A
  
     Bank
  
$
102,459,917
      
8.39
%
  
$
36,630,566
      
3.00
%
  
$
61,050,944
      
5.00
%



 

 
F-52
 
 


(18)           ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS

Accumulated other comprehensive income or loss represents the net unrealized holding gains or losses on securities available for sale and the funded status of the Corporation's defined benefit pension plan and other benefit plans, as of the consolidated balance sheet dates, net of the related tax effect.

The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated:
   
Unrealized Gains and Losses on Securities Available for Sale
    
Defined Benefit and Other Benefit Plans
    
Total
  
Balance at December 31, 2012
  
$
8,022,790
    
$
(10,829,719
)
  
$
(2,806,929
)
Other comprehensive income before
  reclassification
    
(1,987,340
)
    
3,993,381
      
2,006,041
 
Amounts reclassified from accumulated other
  comprehensive income
    
7,785
 
    
948,284
      
956,069
  
Net current period other comprehensive loss
    
(1,979,555
)
    
4,941,665
      
2,962,110
  
Balance at December 31, 2013
  
$
6,043,235
    
$
(5,888,054
)
  
$
155,181
  


   
Unrealized Gains and Losses on Securities Available for Sale
    
Defined Benefit and Other Benefit Plans
    
Total
  
Balance at December 31, 2011
  
$
7,987,055
    
$
(9,428,433
)
  
$
(1,441,378
)
Other comprehensive income before
  reclassification
    
220,733
      
(2,231,066
 )    
(2,010,333
 )
Amounts reclassified from accumulated other
  comprehensive income
    
(184,998
)
    
829,780
 
    
644,782
 
Net current period other comprehensive loss
    
35,735
      
(1,401,286
)
    
(1,365,551
)
Balance at December 31, 2012
  
$
8,022,790
    
$
(10,829,719
)
  
$
(2,806,929
)


The following is the reclassification out of accumulated other comprehensive income for the periods indicated:

Details about Accumulated Other Comprehensive Income Components
          Year Ended December 31,
    
Affected Line Item
 in the Statement Where
Net Income is Presented
  
     
2013
      
2012
        
Unrealized gains and losses on securities
  available for sale:
                      
Reclassification adjustment for other-than-temporary losses realized in net income   $ (29,025  )   $ -      Total impairment losses   
Realized gains on securities available for sale
  
 
16,379
    
 
300,516
    
Net losses on securities transactions
  
Tax effect
    
4,861
      
(115,518
 )   
Income tax benefit (expense)
  
Net of tax
    
(7,785
 )     
184,998
        
Amortization of defined pension plan
  and other benefit plan items:
                      
Prior service costs (a)
    
83,144
      
83,144
    
Pension and other employee benefits
  
Actuarial losses (a)
    
(1,623,567
)
    
(1,431,064
 )  
Pension and other employee benefits
  
Tax effect
    
592,139
 
    
518,140
    
Income tax benefit (expense)
  
Net of tax
    
(948,284
)
    
(829,780
 )      
Total reclassification for the period, net of tax
 
$
(956,069
)
  
$
(644,782
 )      

(a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).








 

 
F-53
 
 


(19)           SEGMENT REPORTING

The Corporation manages its operations through two primary business segments:  core banking and wealth management services.  The core banking segment provides revenues by attracting deposits from the general public and using such funds to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the Corporation’s local markets and to invest in securities.  The wealth management services segment provides revenues by providing trust and investment advisory services to clients.

Accounting policies for the segments are the same as those described in Note 1. Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table.  Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment.  Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate transactions between segments:
 
Year ended December 31, 2013
  
Core Banking
    
Wealth Management Group
    
Holding Company And Other
    
Consolidated Totals
  
Net interest income
  
$
46,621,005
    
$
-
    
$
9,714
    
$
46,630,719
  
Provision for loan losses
    
2,754,726
      
-
      
-
      
2,754,726
  
Net interest income after provision for loan losses
    
43,866,279
      
-
      
9,714
      
43,875,993
  
Other operating income
    
9,912,614
      
7,344,045
      
819,945
      
18,076,604
  
Other operating expenses
    
43,134,860
      
5,480,218
      
784,166
      
49,399,244
  
Income before income tax expense
    
10,644,033
      
1,863,827
      
45,493
      
12,553,353
  
Income tax expense (benefit)
    
3,140,245
      
716,455
      
(34,403
)
    
3,822,297
  
Segment net income
  
$
7,503,788
    
$
1,147,372
    
$
79,896
    
$
8,731,056
  
                                 
Segment assets
  
$
1,469,482,048
    
$
4,943,092
    
$
1,718,313
    
$
1,476,143,453
  

Year ended December 31, 2012
  
Core Banking
    
Wealth Management Group
    
Holding Company And Other
    
Consolidated Totals
  
Net interest income
  
$
46,833,743
    
$
-
    
$
8,130
    
$
46,841,873
  
Provision for loan losses
    
827,567
      
-
      
-
      
827,567
  
Net interest income after provision for loan losses
    
46,006,176
      
-
      
8,130
      
46,014,306
  
Other operating income
    
9,596,323
      
6,826,976
      
764,442
      
17,187,741
  
Other operating expenses
    
40,550,209
      
5,389,017
      
856,099
      
46,795,325
  
Income (loss) before income tax expense
    
15,052,290
      
1,437,959
      
(83,527
)
    
16,406,722
  
Income tax expense (benefit)
    
4,953,549
      
552,751
      
(121,818
)
    
5,384,482
  
Segment net income
  
$
10,098,741
    
$
885,208
    
$
38,291
    
$
11,022,240
  
                                 
Segment assets
  
$
1,240,751,558
    
$
5,155,950
    
$
2,252,200
    
$
1,248,159,708
  

Year ended December 31, 2011
  
Core Banking
    
Wealth Management Group
    
Holding Company And Other
    
Consolidated Totals
  
Net interest income
  
$
43,906,319
    
$
-
    
$
8,729
    
$
43,915,048
  
Provision for loan losses
    
958,333
      
-
      
-
      
958,333
  
Net interest income after provision for loan losses
    
42,947,986
      
-
      
8,729
      
42,956,715
  
Other operating income
    
9,426,994
      
6,709,685
      
1,325,908
      
17,462,587
  
Other operating expenses
    
38,293,287
      
5,851,825
      
703,285
      
44,848,397
  
Income before income tax expense
    
14,081,693
      
857,860
      
631,352
      
15,570,905
  
Income tax expense
    
4,528,446
      
331,872
      
172,832
      
5,033,150
  
Segment net income
  
$
9,553,247
    
$
525,988
    
$
458,520
    
$
10,537,755
  
                                 
Segment assets
  
$
1,207,464,195
    
$
5,729,479
    
$
3,065,913
    
$
1,216,259,587
  




 

 
F-54
 
 


(20)           BRANCH ACQUISITION

On July 10, 2013, the Bank entered into an agreement with Bank of America to acquire six branch offices in Auburn, Cortland, Ithaca and Seneca Falls, New York.  Under the terms of the agreement, the Bank purchased the related branch premises and certain performing loans, and assumed the related deposits.  The transaction was completed on November 23, 2013.  The assets acquired and deposits assumed in the transaction were recorded at their estimated fair values as follows:

Cash, net
  
$
170,904,285
  
Loans
    
1,240,224
  
Bank premises and equipment
    
4,081,292
  
Core deposit intangible asset
    
2,154,670
  
Other assets
    
349,091
  
Total assets acquired
  
$
178,729,562
  
         
Deposits assumed
  
$
177,749,174
  
Time deposit premium
    
263,387
  
Other liabilities
    
717,001
  
Total liabilities assumed
  
$
178,729,562
  

The transaction was accounted for using the acquisition method of accounting and accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at their estimated fair values on the acquisition date.  Fair values are preliminary and in certain cases are subject to refinement for up to one year after the closing date of the acquisition as additional information relative to fair values becomes available.

The operating results of the acquired branch offices included in the Corporation’s consolidated statement of income for the year ended December 31, 2013 reflect only the amounts from the acquisition date through December 31, 2013.

The core deposit intangible asset of $2,154,670 will be amortized on an accelerated basis over a period of approximately seven years.  The time deposit premium of $263,387 will be accreted over the estimated remaining life of the related deposits as a reduction to interest expense.

Preliminary negative goodwill of $469,929 was recorded as a gain from bargain purchase, was calculated as the purchase discount after adjusting for the fair value of net assets acquired.






















 

 
F-55
 

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.

 
CHEMUNG FINANCIAL CORPORATION
DATED:  MARCH 14, 2014
By:/s/ Ronald M. Bentley
 
Ronald M. Bentley, President and Chief Executive Officer
(Principal Executive Officer)

DATED:  MARCH 14, 2014
By: /s/ Karl F. Krebs
 
Karl F. Krebs, Chief Financial Officer and Treasurer
(Principal Financial and Accounting Officer)


Pursuant to the requirements of the Securities Exchange Act of 1934, this Report has been executed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.

Signature
  
Title
  
Date
         
         
/s/ Larry H. Becker
  
Director
  
March 14, 2014
Larry H. Becker
        
         
   
Director
  
 
Bruce W. Boyea
        
         
 /s/ David J. Dalrymple   
Director and Chairman of the Board
  
March 14, 2014
David J. Dalrymple
        
         
 /s/ Robert H. Dalrymple  
Director
  
March 14, 2014
Robert H. Dalrymple
        
         
 /s/  Clover M. Drinkwater  
Director
  
March 14, 2014
Clover M. Drinkwater
        
         
/s/ William D. Eggers
  
Director
  
March 14, 2014
William D. Eggers
        
         
 /s/ Stephen M. Lounsberry, III  
Director
  
March 14, 2014
Stephen M. Lounsberry, III
        
         
 /s/ John F. Potter  
Director
  
March 14, 2014
John F. Potter
        
         
/s/ Eugene M. Sneeringer, Jr.
  
Director
  
March 14, 2014
Eugene M. Sneeringer, Jr.
        
         
/s/ Robert. L. Storch
  
Director
  
March 14, 2014
Robert L. Storch
        









 

 
F-56
 

(signature’s continued)

Signature
  
Title
  
Date
         
         
   
Director
  
 
Richard W. Swan
        
         
 /s/ Jan P. Updegraff  
Director
  
March 14, 2014
Jan P. Updegraff
        
         
/s/s Ronald M. Bentley
  
President and Chief Executive Officer
  
March 14, 2014
Ronald M. Bentley
        
         
/s/ Karl F. Krebs
  
Chief Financial Officer and Treasurer
  
March 14, 2014
Karl F. Krebs
        



















































 

 
F-57
 

EXHIBIT INDEX
Exhibit
  
The following exhibits are either filed with this Form 10-K or are incorporated herein by reference.  The Corporation’s Securities Exchange Act file number is 000-13888.
 
3.1
Certificate of Incorporation of Chemung Financial Corporation dated December 20, 1984.  (Filed as Exhibit 3.1 to Registrant's Form 10-K filed with the SEC on March 13, 2008 and incorporated herein by reference).
 
3.2
Certificate of Amendment to the Certificate of Incorporation of Chemung Financial Corporation, dated March 28, 1988.  (Filed as Exhibit 3.2 to Registrant's Form 10-K for the year ended December 31, 2007, filed with the SEC on March 13, 2008 and incorporated herein by reference).
 
3.3
Certificate of Amendment to the Certificate of Incorporation of Chemung Financial Corporation, dated May 13, 1998.  (Filed as Exhibit 3.4 of the Registrant’s Form 10-K for the year ended December 31, 2005 and filed with the SEC on March 15, 2006 and incorporated herein by reference).
 
3.4
Amended and Restated Bylaws of the Registrant, as amended to February 26, 2014.  (Filed as Exhibit 3.1 to the Registrant’s Current Report on Form 8-K filed with the SEC on March 4, 2013 and incorporated herein by reference).
 
4.1
Specimen Stock Certificate.  (Filed as Exhibit 4.1 to Registrant's Form 10-K for the year ended December 31, 2002 and incorporated herein by reference).
 
10.1
Change of Control Agreement dated September 20, 2006 between Chemung Canal Trust Company and Ronald M. Bentley, President & COO.  (Filed as Exhibit 10.1 to Registrant's Form 10-Q for the quarter ended September 30, 2006 and incorporated herein by reference).
 
10.2
Executive Severance Agreement dated September 20, 2006 between Chemung Canal Trust Company and Ronald M. Bentley, President & COO.  (Filed as Exhibit 10.2 to Registrant's Form 10-Q for the quarter ended September 30, 2006 and incorporated herein by reference).
 
10.3
Amended and Restated Deferred Directors' Fee Plan. (Filed as Exhibit 10.3 of the Registrant’s Form 10-K for the year ended December 31, 2005 and incorporated herein by reference).
 
10.4
Amended and Restated Chemung Financial Corporation Restricted Stock Plan. (Filed as Appendix A to the Registrant's Definitive Proxy Statement on Schedule A filed on April 1, 2013 and incorporated herein by reference).
 
10.9
Change of Control Agreement dated August 23, 2007 between Chemung Canal Trust Company and Melinda A. Sartori, Executive Vice President.  (Filed as Exhibit 10.9 to Registrant's Form 10-K filed with the SEC on March 13, 2008 and incorporated herein by reference).
 
10.11
Change of Control Agreement dated January 19, 2011 between Chemung Canal Trust Company and Richard G. Carr, Executive Vice President.  (Filed as Exhibit 10.11 to Registrant’s Form 10-K filed with the SEC on March 16, 2011 and incorporated herein by reference).
 
10.12
Change of Control Agreement dated January 19, 2011 between Chemung Canal Trust Company and Louis C. DiFabio, Executive Vice President.  (Filed as Exhibit 10.12 to Registrant’s Form 10-K filed with the SEC on March 16, 2011 and incorporated herein by reference).
 
10.14
Change of Control Agreement dated April 8, 2011 between Chemung Canal Trust Company and Anders M. Tomson, President Capital Bank Division.  (Filed as Exhibit 10.14 to Registrant’s Form 10-Q filed with the SEC on May 13, 2011 and incorporated herein by reference).
 
10.16
Change of Control Agreement dated November 7, 2011 between Chemung Canal Trust Company and Karen R. Makowski, Executive Vice President and Chief Administration and Risk Officer.  (Filed as Exhibit 10.16 to Registrant’s Form 10-K on March 28, 2012 and incorporated herein by reference).
 
10.17
Change of Control Agreement dated October 16, 2013 between Chemung Canal Trust Company and Karl F. Krebs, Executive Vice President and Chief Financial Officer.  (Filed as Exhibit 10.1 to Registrant’s Form 8-K filed with the SEC on October 17, 2013 and incorporated herein by reference).
 
10.18
Amended and Restated Directors' Compensation Plan (Filed as Appendix A to the Registrant’s Definitive Proxy Statement on Schedule 14A filed on March 30, 2012 and incorporated herein by reference).
 
10.19
Amended and Restated Incentive Compensation Plan Filed as (Filed as Appendix A to the Registrant’s Definitive Proxy Statement on Schedule 14A filed on March 30, 2012 and incorporated herein by reference).
 
21
Subsidiaries of the Registrant.*
 
23
Consent of Crowe Horwath LLP, Independent Registered Public Accounting Firm.*
 
31.1
Certification of President Chief Executive Officer of the Registrant pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.*
 
31.2
Certification of Treasurer and Chief Financial Officer of the Registrant pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934.*
 
32.1
Certification of President and Chief Executive Officer of the Registrant pursuant to Rule 13a-14(b) under the Securities Exchange Act of 1934 and 19 U.S.C. §1350.*
 
32.2
Certification of Treasurer and Chief Financial Officer of the Registrant pursuant to Rule 13a-14(b) under the Securities Exchange Act of 1934 and 19 U.S.C. §1350.*
 
101.INS
Instance Document
 
101.SCH
XBRL Taxonomy Schema*
 
101.CAL
XBRL Taxonomy Calculation Linkbase*
 
101.DEF
XBRL Taxonomy Definition Linkbase*
 
101.LAB
XBRL Taxonomy Label Linkbase*
 
101.PRE
XBRL Taxonomy Presentation Linkbase*
 
*
Filed herewith.

 
 
 

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EXHIBIT 21




CHEMUNG FINANCIAL CORPORATION


Subsidiary List



Name
State of Incorporation
Chemung Canal Trust Company
New York
   
CFS Group, Inc.
New York




 
 
 

EX-23 4 chmg10k12312013exh23.htm CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNT FIRM chmg10k12312013exh23.htm
 
 
 

EXHIBIT 23

Consent of Independent Registered Public Accounting Firm




We consent to the incorporation by reference in the registration statement on Form S-8 (File No.333-104663) and registration statement on Form S-4 (File No. 333-171504) of Chemung Financial Corporation of our report dated March 14, 2014, related to the consolidated financial statements and effectiveness of internal control over financial reporting, appearing in this Annual Report on Form 10-K of Chemung Financial Corporation for the year ended December 31, 2013.







/s/ Crowe Horwath LLP
Livingston, New Jersey
March 14, 2014

 
 
 




EX-31.1 5 chmg10k12312013exh31_1rb.htm CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER chmg10k12312013exh31_1rb.htm
 
 
 

EXHIBIT 31.1

CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER OF CHEMUNG FINANCIAL CORPORATION PURSUANT TO RULE 13a-14(a) UNDER THE SECURITIES EXCHANGE ACT OF 1934.

I, Ronald M. Bentley, certify that:

1.  I have reviewed this report on Form 10-K of Chemung Financial Corporation;

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 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 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 14, 2014



By:       /s/ Ronald M. Bentley
President and Chief Executive Officer
        (Principal Executive Officer)

 
 
 

EX-31.2 6 chmg10k12312013exh31_2kk.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER AND TREASURER chmg10k12312013exh31_2kk.htm
 
 
 

EXHIBIT 31.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER AND TREASURER OF CHEMUNG FINANCIAL CORPORATION PURSUANT TO RULE 13a-14(a) UNDER THE SECURITIES EXCHANGE ACT OF 1934.

I, Karl F. Krebs, certify that:

1.  I have reviewed this report on Form 10-K of Chemung Financial Corporation;

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 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 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 14, 2014



By:            /s/ Karl F. Krebs
Chief Financial Officer and Treasurer
(Principal Financial and Accounting Officer)

 
 
 

EX-32.1 7 chmg10k12312013exh32_1rb.htm CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER chmg10k12312013exh32_1rb.htm
 
 
 

EXHIBIT 32.1

CERTIFICATION OF PRESIDENT AND CHIEF EXECUTIVE OFFICER OF CHEMUNG FINANCIAL CORPORATION PURSUANT TO RULE 13a-14(b) UNDER THE SECURITIES EXCHANGE ACT OF 1934 AND 19 U.S.C. §1350.


The undersigned, the, President and Chief Executive Officer of Chemung Financial Corporation (the "Corporation"), hereby certifies that, to his knowledge on the date hereof:

(a) the Annual Report on Form 10-K of the Corporation for the period ended December 31, 2013, filed on the date hereof with the Securities and Exchange Commission (the "Report") fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

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


                /s/ Ronald M. Bentley
Ronald M. Bentley
President and Chief Executive Officer
March 14, 2014

 
 
 


 
 
 

EX-32.2 8 chmg10k12312013exh32_2kk.htm CERTIFICATION OF CHIEF FINANCIAL OFFICER AND TREASURER chmg10k12312013exh32_2kk.htm
 
 
 

EXHIBIT 32.2

CERTIFICATION OF CHIEF FINANCIAL OFFICER AND TREASURER OF CHEMUNG FINANCIAL CORPORATION PURSUANT TO RULE 13a-14(b) UNDER THE SECURITIES EXCHANGE ACT OF 1934 AND 19 U.S.C. §1350.


The undersigned, the, Chief Financial Officer and Treasurer of Chemung Financial Corporation (the "Corporation"), hereby certifies that, to his knowledge on the date hereof:

(a) the annual Report on Form 10-K of the Corporation for the period ended December 31, 2013, filed on the date hereof with the Securities and Exchange Commission (the "Report") fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

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


           /s/ Karl F. Krebs
Karl F. Krebs
Chief Financial Officer and Treasurer
March 14, 2014


 
 
 

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bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Recoveries:</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">537,476</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: 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style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,089,398</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(26,146</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; 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style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">12,775,568</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr></table><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="22" valign="bottom" style="border-bottom: 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2013</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 37%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Contractually required principal and interest</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 11%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">16,896,078</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: 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roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">13,240,578</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: 1%; 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 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;">-</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: 1%; 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 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margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">1,162,653</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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: 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font-size: 10pt;">&#160; </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 21%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fixed Rate</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Variable Rate</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">11,588,081</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="width: 21%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 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roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">187,061,408</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">1,802,538</div></td><td 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font-size: 10pt; margin-right: 0pt;">Standby letters of credit</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">17,290,453</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">15,016,673</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: 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credit extension.&#160;&#160;The carrying amount and fair value of the Corporation's standby letters of credit at December 31, 2013 was not significant.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation has an executive severance agreement with its President and Chief Executive Officer.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Bank is a party in two legal proceedings involving its Wealth Management Group. 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font-size: 10pt;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(18)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accumulated other comprehensive income or loss represents the net unrealized holding gains or losses on securities available for sale and the funded status of the Corporation's defined benefit pension plan and other benefit plans, as of the consolidated balance sheet dates, net of the related tax effect.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated:</div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 31%; 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 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; font-weight: bold; margin-right: 1.35pt;">Unrealized Gains and Losses on Securities Available for Sale</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance at December 31, 2012</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">8,022,790</div></td><td valign="bottom" style="width: 2%; 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 align="left" valign="bottom" style="width: 3%;"><div style="text-align: left; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">948,284</div></td><td valign="bottom" style="width: 2%; 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="border-bottom: black 2px solid; width: 1%; 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;">956,069</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 31%;"><div style="text-align: left; text-indent: 0pt; display: block; 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width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">4,941,665</div></td><td valign="bottom" style="width: 2%; 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="border-bottom: black 2px solid; width: 1%; 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;">2,962,110</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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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;">$</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;">155,181</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 31%; 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 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; font-weight: bold; margin-right: 1.35pt;">Unrealized Gains and Losses on Securities Available for Sale</div></td><td valign="bottom" style="width: 2%; 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 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; font-weight: bold; margin-right: 0pt;">Defined Benefit and Other Benefit Plans</div></td><td valign="bottom" style="width: 2%; 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 colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 31%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance at December 31, 2011</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">7,987,055</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0pt;">(9,428,433</div></td><td align="left" valign="bottom" style="width: 2%;"><div style="text-align: left; 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="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">(1,441,378</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;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 31%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other comprehensive income before</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;">&#160;&#160;reclassification</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">220,733</div></td><td valign="bottom" style="width: 2%; 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 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: 0pt;">(2,231,066</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="width: 1%; 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 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;">(2,010,333</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">) </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 31%;"><div style="text-align: left; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">829,780</div></td><td align="left" valign="bottom" style="width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; 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width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">35,735</div></td><td valign="bottom" style="width: 2%; 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="border-bottom: black 2px solid; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">(1,401,286</div></td><td align="left" valign="bottom" style="width: 2%;"><div style="text-align: left; 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="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(1,365,551</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 31%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Balance at December 31, 2012</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 14%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">8,022,790</div></td><td valign="bottom" style="width: 2%; 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 align="left" valign="bottom" style="border-bottom: black 2px solid; width: 3%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(10,829,719</div></td><td align="left" valign="bottom" style="width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">(2,806,929</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;">)</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></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 is the reclassification out of accumulated other comprehensive income for the periods indicated:</div><div style="text-indent: 0pt; display: block;">&#160; <div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="padding-bottom: 2px; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 13.5pt;">Details about Accumulated Other Comprehensive Income Components</div></td><td colspan="8" valign="bottom" style="border-bottom: black 2px solid; width: 25%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Year Ended December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 6%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; width: 29%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Affected Line Item</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">in the Statement Where</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; 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width: 1%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 6%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 29%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized gains and losses on securities</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;">available for sale:</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%; display: inline; font-family: times new roman; font-size: 10pt;">Reclassification adjustment for other-than-temporary losses realized in net income</td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">$</td><td align="right" valign="bottom" style="background-color: #cceeff; width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">(29,025 </td><td valign="bottom" style="background-color: #cceeff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">$</td><td align="right" valign="bottom" style="background-color: #cceeff; width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">- </td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;">Total impairment losses </td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">Realized gains on securities</font><font style="display: inline; font-family: times new roman; font-size: 10pt;"> available for sale</font></div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="background-color: #ffffff; 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;"></div></td><td align="right" valign="bottom" style="background-color: #ffffff; 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: 0pt;">16,379</div></td><td valign="bottom" style="background-color: #ffffff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="background-color: #ffffff; 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;"></div></td><td align="right" valign="bottom" style="background-color: #ffffff; 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: 0pt;">300,516</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net losses on securities transactions</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax effect</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; 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: 0pt;">4,861</div></td><td valign="bottom" style="background-color: #cceeff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; 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: 0pt;">(115,518</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">) </td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Income tax benefit (expense)</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net of tax</div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">10,083</div></td><td valign="bottom" style="background-color: #ffffff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">184,998</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amortization of defined pension plan</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;">and other benefit plan items:</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 8%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 8%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Prior service costs (a)</div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; 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: 0pt;">83,144</div></td><td valign="bottom" style="background-color: #ffffff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; 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: 0pt;">83,144</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Pension and other employee benefits</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Actuarial losses (a)</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; 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: 0pt;">(1,623,567</div></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 4%;"><div style="text-align: left; 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="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; 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: 0pt;">(1,431,064</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Pension and other employee benefits</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax effect</div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">592,139</div></td><td align="left" valign="bottom" style="background-color: #ffffff; width: 4%;"><div style="text-align: left; 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="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">518,140</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Income tax benefit (expense)</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net of tax</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; 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: 0pt;">(948,284</div></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 4%;"><div style="text-align: left; 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="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; 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: 0pt;">(829,780</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><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 reclassification for the period, net of tax</div></td><td align="right" valign="bottom" style="background-color: #ffffff; 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;"></div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 8%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(956,069</div></td><td align="left" valign="bottom" style="background-color: #ffffff; width: 4%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">(644,782</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div></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) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).</div><div style="text-indent: 0pt; display: block;"><br /></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">COMPREHENSIVE INCOME</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Comprehensive income consists of net income and other comprehensive income.&#160; Other comprehensive income includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation&#8217;s defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.</div><div style="text-align: justify; 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background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 56%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; 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font-size: 10pt;">1,788,169</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,122,470</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr></table><div><br /></div></div> <div style="font-family: 'Times New Roman', Times, serif; 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font-size: 10pt;">300,610,463</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 56%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Interest-bearing demand deposits</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">114,679,334</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; 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font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,044,734,014</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr></table><div style="clear: both;"><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Scheduled maturities of time deposits at December 31, 2013, are summarized as follows:</div><div><br /></div><table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 80%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="border-bottom: #000000 2px solid; padding-bottom: 0.5pt; width: 68%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; 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background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">178,903,280</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 68%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">2015</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">45,616,228</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.&#160;&#160;There are three levels of inputs that may be used to measure fair value:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 54pt; font-size: 10pt; margin-right: 0pt;"><font style="display: inline; font-weight: bold;">Level 1:</font> Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; 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These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Appraisals for both collateral-dependent impaired loans and other real estate owned (&#8220;OREO&#8221;) are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation.&#160;&#160;Once received, appraisals are reviewed for reasonableness of assumptions, approaches utilized, Uniform Standards of Professional Appraisal Practice and other regulatory compliance, as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.&#160;&#160;Appraisals are generally completed within the previous 12 month period prior to a property being placed into OREO.&#160;&#160;On impaired loans, appraisal values are adjusted based on the age of the appraisal, the position of the lien, the type of the property and its condition.</div><div style="text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Quoted Prices</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">in Active Markets for Identical Assets (Level 1)</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Significant Other Observable Inputs</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">(Level 2)</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Significant Unobservable Inputs</div><div style="text-align: center; text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; 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font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Corporate bonds and notes</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">2,945,807</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: 1%; 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 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;">-</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: 1%; 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 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;">2,945,807</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: 1%; 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 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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">SBA loan pools</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">1,487,579</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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; 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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="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 7%; 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; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">31,515,249</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Obligations of states and political subdivisions</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">40,814,722</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">40,814,722</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Collateralized mortgage obligations</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">3,543,360</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: 1%; 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 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;">-</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: 1%; 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 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;">3,543,360</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: 1%; 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 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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Corporate bonds and notes</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">11,651,635</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: 1%; 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 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;">-</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: 1%; 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 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;">11,651,635</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: 1%; 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 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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">SBA loan pools</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">1,724,140</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">1,724,140</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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</td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">2,025,313</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">445,600</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Corporate stocks</div></td><td align="right" 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">6,374,530</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">5,720,533</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">653,997</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" 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: 1%; 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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><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 available for sale securities</div></td><td align="right" 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">239,685,763</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">43,418,533</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">195,821,630</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; 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font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%; 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: 1%; display: inline; font-family: times new roman; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 9%; 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: 1%; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">460,386</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><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 mortgages:</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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 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;">-</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: 1%; 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 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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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font-size: 10pt;">&#160; </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;">-</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: 1%; 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 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;">485,186</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; 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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;">999,428</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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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: 1%; 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: 9%; 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: 1%; 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: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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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: 1%; 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: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial and industrial</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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: 1%; 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: 9%; 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: 1%; 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: 9%; 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: 1%; 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: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial mortgages other</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: 1%; display: inline; font-family: times new roman; 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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 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;">-</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: 1%; 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 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;">265,702</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</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: 1%; 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 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;">-</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: 1%; 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 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;">106,270</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer loans:</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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: 1%; 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: 9%; 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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Home equity lines and loans</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; 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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="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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></tr><tr><td align="left" valign="bottom" style="width: 28%;"><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 and agricultural:</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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; 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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: 9%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Home equity lines and loans</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">4,000</div></td><td valign="bottom" style="width: 1%; 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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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">4,000</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; 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font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">564,581</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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width: 15%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair Value at December 31, 2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Technique</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; 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margin-right: 0pt;">For variable-rate loans that reprice frequently, fair values approximate carrying values.&#160;&#160;The fair values for other loans are estimated through discounted cash flow analysis using interest rates currently being offered for loans with similar terms and credit quality.&#160;&#160;Loans are classified as Level 3.&#160;&#160;The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.&#160;&#160;Loans held for sale are classified as Level 2.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">Deposits</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The fair values disclosed for demand deposits, savings accounts and money market accounts are, by definition, equal to the amounts payable on demand at the reporting date (i.e., their carrying values) and classified as Level 1.</div><div style="text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="width: 3%; 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 colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; 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 colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Deposits:</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 9%; 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 colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="width: 3%; 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 colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; 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; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,018,878,175</div></td><td colspan="3" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" colspan="2" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; 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 colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="width: 9%; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 9%; 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: 1%; 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: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Home equity lines and loans</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 9%; 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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial and industrial</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">101,200</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; 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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: 9%; 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: 1%; 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: 9%; 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: 1%; 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: 9%; 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: 1%; 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: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial mortgages other</div></td><td valign="bottom" style="width: 1%; 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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: 1%; 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: 9%; 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: 1%; 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: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</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: 1%; 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 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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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;">303,821</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Total Impaired Loans</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; 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</td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 28%;"><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 and agricultural:</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: 1%; display: inline; font-family: times new roman; 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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: 1%; 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: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial and industrial</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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: 1%; 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: 9%; 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: 1%; 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: 9%; 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: 1%; 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: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 28%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial mortgages other</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: 1%; display: inline; font-family: times new roman; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; 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 colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="width: 9%; 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font-size: 10pt; margin-right: 0pt;">6,421,486</div></td><td colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 3%; 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 align="right" colspan="2" 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;">-</div></td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="3" valign="bottom" style="width: 9%;"><div style="text-align: right; 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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: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; 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 align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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 align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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margin-right: 0pt;">-</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: 1%; 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 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;">-</div></td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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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="width: 1%; 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 align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">712,256</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</div></td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Indirect consumer loans</div></td><td valign="bottom" style="width: 1%; display: inline; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</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: 1%; 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 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;">249,257</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: 1%; 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 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;">-</div></td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Direct consumer loans</div></td><td align="right" 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="3" 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: 0pt;">18,879,559</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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 align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">45,438</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: 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: 1%; 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;">-</div></td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><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="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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" colspan="3" 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: 0pt;">474,098,057</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: 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0pt;">471,235,061</div></td><td valign="bottom" style="width: 1%; 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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 align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; 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 align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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 align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; 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Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.&#160; The Corporation has selected December 31 as the date to perform the annual impairment test. 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font-size: 10pt;">6,494,924</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,929,549</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; 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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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><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 mortgages:</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 10%; 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: 1%; 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: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial and industrial</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; 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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: 1%; 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: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; 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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: 1%; 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: 10%; 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: 1%; 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: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Home equity lines and loans</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">57,828</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">58,199</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 9%; 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: 9%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial and industrial</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: 1%;"><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;">&#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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Construction</div></td><td valign="bottom" style="width: 1%; 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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: 1%; 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: 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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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: 1%; 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: 7%; 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: 1%; 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: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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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: 1%; 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: 7%; 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: 1%; 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: 7%; 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: 1%; 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: 7%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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font-size: 10pt; margin-right: 0pt;">646,899</div></td><td align="right" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">3,416,135</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5,033,150</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 22%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax computed at statutory rate</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4,268,140</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">5,578,285</div></td><td valign="bottom" style="width: 1%; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">(483,029</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">(506,280</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(543,638</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; 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width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">(91,336</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 22%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Income tax expense</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,822,297</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">5,384,482</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">5,033,150</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2013 and 2012, are presented below:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 42%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Deferred tax assets:</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">510,429</div></td><td align="left" 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%; display: inline; font-family: times new roman; 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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;">$</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;">12,664,971</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">16,212,312</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Deferred tax liabilities:</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Estimated Fair Value</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Obligations of U.S. Government and U.S.</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;">&#160;&#160;Government sponsored enterprises</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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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;">336,199,085</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">346,015,906</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Cost</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: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; font-weight: bold; margin-right: 0pt;">Value</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; 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font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">188,131,675</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: 4%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">190,334,668</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">After Five, But Within Ten Years</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">17,662,699</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: 4%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">17,447,068</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">After Ten Years</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; 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="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 4%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="width: 1%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Mortgage-backed securities, residential</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">104,068,981</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: 4%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">104,356,521</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Collateralized mortgage obligations</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,000,743</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: 4%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,014,876</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">SBA loan pools</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,470,513</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: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,487,579</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Total</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">335,754,633</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">338,320,807</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><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;">Actual maturities may differ from contractual maturities above because issuers may have the right to call or </font><font style="display: inline; font-family: Times New Roman; font-size: 10pt;">prepay obligations with or without call or prepayment penalties.</font></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 proceeds from sales and calls of securities resulting in gains or losses are listed below:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="top" style="width: 24%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td valign="bottom" style="width: 2%; 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="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td></tr><tr><td align="left" valign="top" style="background-color: #cceeff; width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Proceeds</div></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,649,993</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="background-color: #cceeff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">26,210,087</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="background-color: #cceeff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">35,741,211</div></td></tr><tr><td align="left" valign="top" style="background-color: #ffffff; width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross gains</div></td><td align="right" valign="top" style="background-color: #ffffff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #ffffff; 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;">16,379</div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="background-color: #ffffff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #ffffff; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">300,516</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="background-color: #ffffff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #ffffff; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,108,091</div></td></tr><tr><td align="left" valign="top" style="background-color: #cceeff; width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax&#160;expense</div></td><td align="right" valign="top" style="background-color: #cceeff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,296</div></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;</div></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">115,518</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="background-color: #cceeff; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">423,191</div></td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: justify; 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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 colspan="6" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="width: 33%; 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 colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Amortized Cost</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Estimated Fair Value</div></td><td valign="bottom" style="width: 3%; 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 colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Amortized Cost</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Estimated Fair Value</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 33%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Obligations of states 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="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;">$</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;">5,471,505</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5,890,122</div></td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">5,748,453</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,421,486</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 33%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Time Deposits with other financial institutions</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; 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display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 33%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">6,494,924</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">6,929,549</div></td><td valign="bottom" style="width: 3%; 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 align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; 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font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,421,486</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Gross unrealized gains and losses on securities held to maturity at December 31, 2013 and 2012, were as follows:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 34%; 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 colspan="6" valign="bottom" style="border-bottom: black 2px solid; width: 21%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="width: 34%; 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 align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="width: 34%; 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 colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gains</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Gains</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td align="left" valign="bottom" style="width: 1%; 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; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Obligations of states 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="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;">$</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;">418,617</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Time deposits with other financial institutions</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">16,008</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</div></td><td align="left" valign="bottom" style="width: 1%; 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; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Total</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">434,625</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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margin-right: 0pt;">673,033</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2013</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="width: 45%; 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 colspan="2" valign="bottom" style="width: 13%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Amortized</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: 4%; 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margin-right: 0pt;">Cost</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: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; font-weight: bold; margin-right: 0pt;">Value</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Within One Year</div></td><td valign="bottom" style="width: 1%; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,841,351</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: 4%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,052,594</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">After Five, But Within Ten Years</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,291,860</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: 4%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,482,772</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">After Ten Years</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; 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="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; 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="width: 1%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Total</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,494,924</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: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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width: 21%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">12 months or longer</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="6" valign="bottom" style="border-bottom: black 2px solid; width: 22%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 17%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" rowspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair Value</div></td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" rowspan="2" valign="bottom" style="width: 1%; 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margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair Value</div></td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" rowspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 17%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">Obligations of U.S.</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;">&#160;&#160;Government and U.S.</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;">&#160;&#160;Government sponsored</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;">&#160;&#160;enterprises</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">83,839,910</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">867,495</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">1,978,200</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">85,818,110</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">906,458</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 17%;"><div style="text-align: left; 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</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: 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;">749,803</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: 1%; 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 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;">-</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: 1%; 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 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;">-</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: 1%; 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 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;">63,115,382</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: 1%; 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 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;">749,803</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">Obligations of states and</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;">&#160;&#160;political subdivisions</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">4,588,521</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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; 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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;">-</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">4,588,521</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">237,792</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">1,669</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">1,968</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">&#160;&#160;&#160;&#160;&#160;Total temporarily</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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;impaired securities</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">151,781,605</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: 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,648,291</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">1,979,869</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: 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">40,931</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">153,761,474</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: 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,689,222</div></td><td align="left" valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Fair Value</div></td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" rowspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unrealized</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Losses</div></td><td align="left" rowspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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</td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">430,166</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; 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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;">445,600</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: 1%; 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 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;">183,425</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: 1%; display: inline; font-family: times new roman; 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</td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">45,912</div></td><td valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;&#160;Total temporarily</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;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;impaired securities</div></td><td align="right" 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">-</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: 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">921,678</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: 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">192,526</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">921,678</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: 1%; display: inline; 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S.</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;">&#160;&#160;Government sponsored enterprises</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">33,745,835</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation has an equity investment in Cephas Capital Partners, L.P.&#160;&#160;This small business investment company was established for the purpose of providing financing to small businesses in market areas served by the Corporation, including minority-owned small businesses and those that are anticipated to create jobs for the low to moderate income levels in the targeted areas. 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Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Management, after considering current information and events regarding the borrower's ability to repay their obligations, classifies a loan as impaired when it is probable that the Corporation will be unable to collect all amounts due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. 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display: block;">&#160;</div></div> 995865764 893516941 696666 43269303 276928123 200475097 19523371 133154615 1851145 87045421 130573200 195996599 27440372 164845874 18852459 575670 345706661 144786585 95905130 1756414 694840 1057309 694840 1057309 0 694840 0 694840 694840 0 1057309 1057309 0 1057309 145107384 142278166 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">OTHER REAL ESTATE</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition.&#160; Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.&#160; 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</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Beginning balance:</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">1,707,596</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">4,427,698</div></td><td valign="bottom" style="width: 1%; 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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;">97,953</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">65,180</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">10,418</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">1,089,398</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0.2pt;">(26,146</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;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">2,754,726</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Ending balance</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">1,978,689</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">6,242,996</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">1,516,892</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,036,991</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0.2pt;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">12,775,568</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="22" valign="bottom" style="border-bottom: black 2px solid; width: 66%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial, and Agricultural</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Beginning balance:</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,192,729</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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: 0.2pt;">443,420</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: 1%; display: inline; font-family: times new roman; 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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 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;">73,229</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: 1%; 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 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;">50,331</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: 1%; 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 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;">-</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: 1%; 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 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;">-</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: 1%; 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 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: 0.2pt;">-</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: 1%; 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 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;">123,560</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Charge Offs:</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(180,999</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;">)</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(335,093</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;">)</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(82,442</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;">)</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(673,885</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; 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margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,705,639</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0.2pt;">26,146</div></td><td valign="bottom" style="width: 1%; 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font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial,&#160;&#160;and Agricultural</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(686,192</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;">)</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(19,206</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;">)</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(67,333</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;">)</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(725,826</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;">)</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: 1%; 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;">-</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(1,498,557</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Recoveries:</div></td><td align="right" 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: 1%; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(262,770</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;">)</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">21,511</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: 1%; 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 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;">(22,380</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;">)</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(533,505</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;">)</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: 1%; 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;">-</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(797,144</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Provision</div></td><td align="right" 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">30,249</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">(788</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;">)</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(332,552</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;">)</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">958,333</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Ending balance</div></td><td align="right" 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">3,143,373</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">2,570,149</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: 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">1,309,649</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: 1%; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; 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font-size: 10pt;">&#160; </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;">$</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;">1,046,022</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Collectively evaluated for</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;">&#160;&#160;impairment</div></td><td align="right" valign="bottom" style="width: 1%; 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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;">10,340,304</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans acquired with</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;">&#160;&#160;deteriorated credit quality</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; 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margin-right: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial,&#160;&#160;and Agricultural</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="width: 1%; 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font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Individually evaluated for impairment</div></td><td align="right" valign="bottom" style="width: 1%; 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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;">835,132</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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margin-right: 0pt;">1,565,571</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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: 0pt;">2,705,639</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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;">10,432,650</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 27%; 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 colspan="18" valign="bottom" style="border-bottom: black 2px solid; width: 56%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2013</div></td><td valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,945,524</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">10,702,816</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">117,278</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; 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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 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;">354,636,380</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: 1%; 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 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;">196,146,739</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: 1%; 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 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;">281,978,972</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: 1%; 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 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; 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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="border-bottom: black 2px solid; width: 1%; 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;">9,696,496</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><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 ending loans balance</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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;">374,095,758</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">196,525,568</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">282,109,901</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">998,463,065</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 27%; 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 colspan="18" valign="bottom" style="border-bottom: black 2px solid; width: 56%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2012</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loans:</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; font-weight: bold; margin-right: 0pt;">Commercial</div><div style="text-align: center; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans individually</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;">&#160;&#160;evaluated for impairment</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,907,395</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">10,620,274</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">131,909</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">12,659,578</div></td><td valign="bottom" style="width: 1%; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">301,172,164</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: 1%; 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 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;">200,622,600</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: 1%; 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 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;">239,689,455</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: 1%; 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 align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; 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width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,241,418</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">9,225,847</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">244,268</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">10,711,533</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><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 ending loans balance</div></td><td valign="bottom" style="width: 1%; display: inline; 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margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">321,018,285</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">200,998,777</div></td><td valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">895,900,939</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: -18pt;">The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2013 and December 31, 2012, the average recorded investment and interest income recognized by class of loans as of the years ending December 31, 2013 and 2012:</div><div style="text-align: justify; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; 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font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer loans:</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 10%; 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: 1%; 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: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; 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font-size: 10pt;">&#160; </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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="width: 1%; 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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">With an allowance recorded:</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 10%; 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: 1%; 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: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><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 and agricultural:</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 10%; 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: 1%; 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: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial and industrial</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; 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font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">575,995</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: 1%; 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 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;">446,330</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">445,238</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: 1%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">133,437</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: 1%; display: inline; font-family: times new roman; 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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: 10%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; 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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: 1%; 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: 10%; 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: 1%; 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: 10%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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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 align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">192,638</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 9%; 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: 9%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Commercial and industrial</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: 1%;"><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;">&#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: 7%; 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: 1%; 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: 7%; 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: 9%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Construction</div></td><td valign="bottom" style="width: 1%; 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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: 1%; 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: 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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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: 9%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; 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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: 1%; 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: 1%; 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: 1%; 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: 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: 9%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; 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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;">-</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">2,065,263</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: 1%; 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 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><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 mortgages:</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: 1%; 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: 1%; 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: 1%; 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: 2%; 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: 1%; 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: 1%; 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: 1%; 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: 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: 9%; 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: 1%; 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: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Construction</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: 1%; 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; 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</td><td valign="bottom" style="width: 1%; 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: 2%; 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: 1%; 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: 1%; 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: 1%; 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 align="right" valign="bottom" style="width: 1%;"><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 valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; 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: 9%; display: inline; font-family: times new roman; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Direct consumer loans</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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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="border-bottom: black 2px solid; width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 3%; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; 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font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 2%; display: inline; font-family: times new roman; 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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: 1%; 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: 7%; 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: 1%; 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: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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</td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">249,258</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; 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</td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; 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="width: 1%; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; 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</td><td valign="bottom" style="width: 1%; 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: 10%; 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 colspan="3" valign="bottom" style="width: 12%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; 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</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;">-</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: 1%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">698,452</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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: 1%; 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: 7%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,423,024</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">200,998,777</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer loans:</div></td><td valign="bottom" style="width: 12%; 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 colspan="2" valign="bottom" style="width: 7%; 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: 1%; 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: 7%; 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: 1%; 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: 7%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 12%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 25%;"><div style="text-align: left; text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 12%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 25%;"><div style="text-align: left; text-indent: 0pt; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,935,872</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 37%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2012</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">5,430,415</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The troubled debt restructurings described above increased the allowance for loan losses by $107,727 and resulted in no charge offs during the year ended December 31, 2013.&#160;&#160;The troubled debt restructurings described above did not increase the allowance for loan losses and resulted in no charge offs during the year ending December 31, 2012.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; 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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: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; 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 align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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 align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">712,256</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</div></td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Indirect consumer loans</div></td><td valign="bottom" style="width: 1%; display: inline; 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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: 0pt;">18,879,559</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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 align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">45,438</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: 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: 1%; 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;">-</div></td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 21%;"><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="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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; 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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 colspan="2" valign="bottom" style="width: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; 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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 align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; 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 align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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font-size: 10pt;">&#160; </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: 0pt;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">335,285</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: 1%; 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 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;">-</div></td><td colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 21%;"><div style="text-align: left; 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font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">-</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: 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">-</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: 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: 1%; 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;">-</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: 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">19,338</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: 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: 1%; 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;">-</div></td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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</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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0pt;">404,520,259</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: 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; 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margin-right: 0pt;">December 31, 2013</div></td></tr><tr><td align="left" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="14" valign="bottom" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Credit Card</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Home Equity Lines and Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Indirect Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other Direct Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="text-align: left; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,737,000</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">95,498,705</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">165,045,154</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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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;">3,357,750</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">19,414</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2012</div></td></tr><tr><td align="left" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="14" valign="bottom" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Indirect Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other Direct Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Performing</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">198,575,753</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,847,837</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; 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</td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">200,998,777</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">87,269,885</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">130,977,775</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">19,590,650</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">At the time of the merger with Fort Orange Financial Corp., the Corporation identified certain loans with evidence of deteriorated credit quality, and the probability that the Corporation would be unable to collect all contractually required payments from the borrower.&#160;&#160;These loans are classified as PCI loans.&#160;&#160;The Corporation adjusted its estimates of future expected losses, cash flows, and renewal assumptions on the PCI loans during the current year.&#160;&#160;These adjustments were made for changes in expected cash flows due to loans refinanced beyond original maturity dates, impairments recognized subsequent to the acquisition, advances made for taxes or insurance to protect collateral held and payments received in excess of amounts originally expected.</div><div style="text-indent: 0pt; 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margin-right: 0pt;">Balance at December 31, 2012</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Income Accretion</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">All Other Adjustments</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Balance at December 31, 2013</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 37%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Contractually required principal and interest</div></td><td valign="bottom" style="width: 1%; 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</td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2013</div></td><td valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="3" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Current</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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</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: 10%;"><div style="text-align: right; 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="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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">577,133</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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: 1%; 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: 7%; 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: 1%; 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: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; 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</td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">249,258</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; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; 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</td><td valign="bottom" style="width: 1%; 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: 10%; 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 colspan="3" valign="bottom" style="width: 12%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; 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</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;">-</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: 1%; 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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; 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="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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">698,452</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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: 1%; 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: 7%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,423,024</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">200,998,777</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Consumer loans:</div></td><td valign="bottom" style="width: 12%; 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 colspan="2" valign="bottom" style="width: 7%; 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: 1%; 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: 7%; 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: 1%; 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: 7%; 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: 1%; 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: 10%; 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: 1%; display: inline; font-family: times new roman; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Pension Plan</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation has a noncontributory defined benefit pension plan covering substantially all employees.&#160;&#160;The plan's defined benefit formula generally bases payments to retired employees upon their length of service multiplied by a percentage of the average monthly pay over the last five years of employment.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation uses a December 31 measurement date for its pension plan.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation amended the Defined Benefit Pension Plan during 2010.&#160;&#160;New employees hired on or after the effective date will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.&#160;&#160;The amendment will result in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table presents (1) changes in the plan's projected benefit obligation and plan assets, and (2) the plan's funded status at December 31, 2013 and 2012:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Change in projected benefit obligation:</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Benefit obligation at beginning of year</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">38,051,477</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">32,526,033</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Service cost</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">1,194,869</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">1,073,938</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><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 cost</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">1,587,037</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">1,605,912</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Actuarial (gain) loss</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">(3,269,422</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">4,213,664</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Benefits paid</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(1,378,161</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">(1,368,070</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;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Benefit obligation at end of year</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">36,185,800</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">38,051,477</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Change in plan assets:</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair value of plan assets at beginning of year</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">37,238,650</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">35,015,567</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Actual return on plan assets</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">5,921,515</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">3,591,153</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Employer contributions</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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;">-</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Benefits paid</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(1,378,161</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">(1,368,070</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Fair value of plan assets at end of year</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">41,782,004</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">37,238,650</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 30%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 30%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Funded status</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">5,596,204</div></td><td valign="bottom" style="width: 1%; 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width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">1,605,912</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">1,569,151</div></td><td align="left" valign="bottom" style="width: 1%; 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margin-right: 0pt;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">(2,742,609</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;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">(2,340,373</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;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amortization of net loss</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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; 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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;">13,856</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">13,856</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">29,873</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Net periodic cost</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,551,014</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; 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</td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other changes in plan assets and benefit obligations recognized in other comprehensive income:</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net actuarial (gain) loss</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(6,366,923</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">3,365,120</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">6,815,617</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recognized loss</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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; 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margin-right: 0pt;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">(706,419</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amortization of prior service cost</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(13,856</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;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(13,856</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;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(29,873</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;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Total recognized in other comprehensive (loss) income</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;">&#160;&#160;&#160;&#160;&#160;(before tax effect)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">(7,960,045</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;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,941,120</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">6,079,325</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 42%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">3,302,361</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2.5</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;">%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;&#160;&#160;Total</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">100</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;">%</div></td><td align="left" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">100</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;">%</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 4%; 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; 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text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation used the following methods and significant assumptions to estimate the fair value of each type of financial instrument held by the pension plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date.&#160;&#160;The fair value hierarchy described below requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; 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width: 24%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Plan Assets:</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; font-weight: bold; margin-right: 0pt;">Carrying Value</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 7%; display: inline; 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font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; 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="width: 1%; 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="border-bottom: black 2px solid; width: 1%; 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;">268,890</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 24%;"><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 plan assets</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">37,238,650</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">33,598,505</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">3,640,145</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><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;">Calendar Year</div></td><td align="left" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" 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; font-weight: bold; margin-right: 0pt;">Future Expected Benefit Payments</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 16%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2014</div></td><td align="left" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,699,649</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="width: 16%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2015</div></td><td align="left" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,751,122</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 16%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2016</div></td><td align="left" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,838,606</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="width: 16%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2017</div></td><td align="left" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,946,144</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 16%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2018</div></td><td align="left" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,036,469</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="width: 16%;"><div style="text-align: justify; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2019-2023</div></td><td align="left" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 13%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">11,305,023</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation does not expect to contribute to the plan during 2014.&#160;&#160;Funding requirements for subsequent years are uncertain and will significantly depend on changes in assumptions used to calculate plan funding levels, the actual return on plan assets, changes in the employee groups covered by the plan, and any legislative or regulatory changes affecting plan funding requirements.</div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: justify; text-indent: 0pt; 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display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation also contributed $193,192 and $70,995 at December 31, 2013 and December 31, 2012, respectively, to a non-discretionary 401K plan which covers all eligible employees hired after July 1, 2010.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; font-style: italic; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Defined Benefit Health Care Plan</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation uses a December 31 measurement date for its postretirement medical benefits plan.</div><div style="text-indent: 0pt; 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width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Accumulated postretirement benefit obligation at beginning of year</div></td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">1,534,161</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">1,391,822</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Service cost</div></td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">44,000</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">39,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">71,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Participant contributions</div></td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">73,980</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">65,161</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Actuarial (gain) loss</div></td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">(60,855</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">177,966</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Benefits paid</div></td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(167,172</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(210,788</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Accumulated postretirement benefit obligation at end of year</div></td><td align="right" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">1,490,114</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,534,161</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Change in plan assets:</div></td><td valign="bottom" style="width: 10%; 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</td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Fair value of plan assets at beginning of year</div></td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">-</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Employer contribution</div></td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">93,192</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">145,627</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Plan participants&#8217; contributions</div></td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">73,980</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">65,161</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Benefits paid</div></td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(167,172</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(210,788</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Fair value of plan assets at end of year</div></td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">-</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 40%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 10%; 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: 7%; 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: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 40%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Funded status</div></td><td valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">(1,490,114</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(1,534,161</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net actuarial loss</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">148,081</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">218,936</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Prior service benefit</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(628,000</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;">)</div></td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">(725,000</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;">)</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 49%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Total before tax effects</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">(479,919</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;">)</div></td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">(506,064</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;">)</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; 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font-size: 10pt;">&#160; </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;">9.00</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;">%</div></td><td valign="bottom" style="width: 3%; 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 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;">10.00</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; 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margin-right: 0pt;">%</div></td><td valign="bottom" style="width: 3%; 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 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;">5.00</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;">%</div></td><td valign="bottom" style="width: 3%; 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 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;">5.00</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;">%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Year ultimate cost trend reached</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2018</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The components of net periodic postretirement benefit cost for the years ended December 31, 2013, 2012 and 2011 are as follows:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Net periodic benefit cost</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Service cost</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">72,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amortization of&#160;&#160;prior service benefit</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(97,000</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(97,000</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;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(97,000</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;">)</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recognized actuarial loss</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">10,000</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">1,000</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Net periodic postretirement cost</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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: 0pt;">23,000</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">14,000</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0pt;">10,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other changes in plan assets and benefit obligations recognized</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;in other comprehensive income:</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net actuarial (gain) loss</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">(60,855</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">)</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">177,966</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">19,705</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recognized actuarial loss</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">(10,000</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;">)</div></td><td valign="bottom" style="width: 3%; 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 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;">(1,000</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;">)</div></td><td valign="bottom" style="width: 3%; 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 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;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amortization of&#160;&#160;prior service benefit</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">97,000</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">97,000</div></td><td align="left" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">97,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Total recognized in other comprehensive income (before tax effect)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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: 0pt;">26,145</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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">273,966</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0pt;">116,705</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Total recognized in net benefit cost and other comprehensive income</div><div style="text-align: left; 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font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">287,966</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0pt;">126,705</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Because the total unrecognized net loss in the plan is less than 10% of the accumulated postretirement benefit obligation, there will be no amortization over the average future working lifetime of active plan participants.&#160;&#160;As of January 1, 2013 the average future working lifetime of active participants was 14.35 years.&#160;&#160;Actual results for 2014 will depend on the 2014 actuarial valuation of the plan.</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 45%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Prior service cost recognition</div></td><td align="right" valign="bottom" style="width: 12%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">(97,000</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;">)</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan.&#160;&#160;A one-percentage point change in assumed health care cost trend rates would have the following effects:</div><div style="text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="right" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Benefit obligation</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">15,000</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">4,000</div></td><td align="right" 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%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">700</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; 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font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="4" 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; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="top" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 43%;"><div style="text-align: left; text-indent: 0pt; 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font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Health care cost trend: Initial</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">9.00</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;">%</div></td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">10.00</div></td><td align="left" colspan="2" valign="bottom" style="width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">%</div></td><td align="right" colspan="2" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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;">14.00</div></td><td align="left" colspan="2" valign="bottom" style="width: 1%;"><div style="text-align: left; 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</td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" colspan="2" 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;">2020</div></td><td align="left" colspan="2" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten:</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Calendar Year</div></td><td align="left" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2014</div></td><td align="right" valign="bottom" style="width: 19%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">143,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2017</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">150,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2019-2023</div></td><td align="right" valign="bottom" style="width: 19%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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; 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font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Fair value of plan assets at end of year</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; 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="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 48%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unfunded status</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; 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width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 48%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Discount rate</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">4.95</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;">%</div></td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 48%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Assumed rate of future compensation increase</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2011</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Service cost</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 6%;"><div style="text-align: right; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">53,771</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recognized actuarial loss</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">34,301</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">19,920</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">9,466</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%;"><div style="text-align: left; text-indent: 0pt; 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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;">93,862</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 46%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other changes in plan assets and benefit obligation recognized in other</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">&#160;&#160;comprehensive income:</div></td><td align="right" valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Recognized actuarial loss</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">(34,301</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;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">(19,920</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;">)</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: right; 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display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">61,208</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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: 0pt;">61,305</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 46%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 46%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Total recognized in net benefit cost and other comprehensive income</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;">&#160;&#160;&#160;&#160;&#160;&#160;(before tax effect)</div></td><td align="right" valign="bottom" style="width: 1%; 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display: inline; font-family: Times New Roman; font-size: 10pt;">&#160; </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;">5.00</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;">%</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: Times New Roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: Times New Roman; font-size: 10pt;">&#160; </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;">5.00</div></td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">75,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2016</div></td><td align="right" valign="bottom" style="width: 21%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">75,000</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2017</div></td><td align="right" valign="bottom" style="width: 21%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">75,000</div></td><td align="left" valign="bottom" style="width: 1%; 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</td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 16%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2019-2023</div></td><td align="right" valign="bottom" style="width: 21%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 12%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">580,000</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation expects to contribute $75,000 to the plan during 2014. 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display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td align="left" valign="bottom" style="width: 36%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4,803,406</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">3,553,406</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Buildings</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">34,378,600</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">32,017,120</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Projects in Progress</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</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: 4%; 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 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;">678,415</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Equipment and furniture</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">34,919,986</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">31,428,650</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Leasehold improvements</div></td><td align="right" 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">6,041,402</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">4,674,980</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td valign="bottom" style="width: 36%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">80,143,394</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">72,352,571</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 36%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Less accumulated depreciation and amortization</div></td><td align="right" 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: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">50,104,220</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">46,868,186</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 36%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" 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: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">30,039,174</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">25,484,385</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Depreciation expense was $3,236,034, $2,946,499 and $2,861,644 for 2013, 2012 and 2011, respectively.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Operating Leases: The Corporation leases certain branch properties under operating leases.&#160;&#160;Rent Expense was $1,306,948, $1,118,348, and $1,048,920 for 2013, 2012, and 2011, respectively.&#160;&#160;Rent commitments, before considering renewal options that generally are present, were as follows:</div><div style="text-indent: 0pt; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2014</div></td><td valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,664,865</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2015</div></td><td align="right" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,607,143</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2016</div></td><td align="right" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,358,618</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2017</div></td><td align="right" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,198,021</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2018</div></td><td align="right" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,156,562</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 13%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2019 and thereafter</div></td><td align="right" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">4,983,358</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 13%;"><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="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 15%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">11,968,567</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div></div> 332552 26420 -958333 -30249 -1287844 788 -1089398 -2754726 26146 80338 -338364 -10418 2130063 417274 -2087674 -827567 -1761394 -948866 827567 2754726 958333 0 864194 827567 0 0 827567 2754726 0 0 2754726 958333 0 958333 0 192367 192367 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: left;"><font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(17)</font><font style="font-size: 5.14pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">REGULATORY CAPITAL REQUIREMENTS</font></div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Corporation and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies.&#160; 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 consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. 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background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; 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font-size: 10pt;">73,044,522</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; 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background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">4.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">N/</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">N/</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A</div></td></tr><tr><td valign="bottom" style="background-color: #cceeff; 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background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">54,783,392</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 28%; 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background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 28%; vertical-align: bottom;"><div style="text-align: left; 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">N/</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">N/</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A</div></td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Bank</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">102,459,917</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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font-size: 10pt;">(33,039,177</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 56%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Balance at end of year</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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font-size: 10pt;">1,569,151</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 54%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Expected return on plan assets</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(2,824,014</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">29,873</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 54%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Net periodic cost</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,551,014</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,361,241</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">958,434</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr></table><div style="clear: both;"><br /></div><table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 90%; font-family: 'Times New Roman', Times, serif; 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background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,365,120</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,815,617</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(1,410,144</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(706,419</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 54%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Amortization of prior service cost</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(13,856</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(13,856</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(29,873</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 54%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Total recognized in other comprehensive (loss) income (before tax effect)</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(7,960,045</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,941,120</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,079,325</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; 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padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,302,361</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">7,037,759</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr></table><div style="clear: both;"><br /></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div>The components of net periodic postretirement benefit cost for the years ended December 31, 2013, 2012 and 2011 are as follows:</div><div><br /></div><table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 90%; 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font-size: 10pt;">71,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">72,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 54%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Amortization of&#160; prior service benefit</div></td><td valign="bottom" style="background-color: #cceeff; 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background-color: #cceeff; width: 54%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Net periodic postretirement cost</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">23,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; 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font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">116,705</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 54%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Total recognized in net benefit cost and other comprehensive income (before tax effect)</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Other assets</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 20%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">349,091</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 57%;"><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 assets acquired</div></td><td align="right" valign="bottom" style="width: 2%; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 20%; 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></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 57%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Deposits assumed</div></td><td align="right" valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 20%;"><div style="text-align: right; 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background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">5,974,468</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,337,959</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,063,423</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,322,855</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; 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text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">12,037,891</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">5,660,814</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A</div></td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Bank</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">105,239,348</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; 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vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A</div></td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 28%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 14.4pt; font-size: 10pt;">Bank</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">115,391,331</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; 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vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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margin-left: 7.2pt; font-size: 10pt;">2018</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">150,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 68%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">2019-2023</div></td><td valign="bottom" style="background-color: #ffffff; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">75,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #cceeff; width: 68%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">2016</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; 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margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">28,707,673</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">11,588,081</div></td><td align="left" valign="bottom" style="width: 1%; 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margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,802,538</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">183,750,514</div></td><td align="left" valign="bottom" style="width: 1%; 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margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">15,016,673</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; 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font-size: 10pt;">21,824,443</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">21,824,443</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td></tr></table><div style="clear: both;"><br /></div><div style="text-align: left; 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font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Restricted Stock Plan:</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Company&#8217;s executives and senior managers with the interests of the Company and its shareholders, to insure the Company&#8217;s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.&#160; Under the terms of the Plan, the Company may make discretionary grants of restricted shares of the Company&#8217;s common stock to or for the benefit of employees selected to participate in the Plan.&#160; Each officer of the Company, other than the Company&#8217;s chief executive officer, is eligible to participate in the Plan.&#160; Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.&#160; The maximum number of shares of the Company&#8217;s common stock that may be awarded as restricted shares to Plan participants may not exceed fifteen thousand (15,000) per calendar year.&#160; Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.&#160; Except in the case of the participant&#8217;s death, disability, or in the event of a change in control, the participant&#8217;s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Company or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.</div><div><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Deferred Directors Fee Plan:</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.&#160; Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Company&#8217;s common stock purchased on the deferral date.&#160; Cash deferrals will be paid into an interest bearing account and paid in cash.&#160; Units will be paid in shares of common stock.</div><div><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Directors&#8217; Compensation Plan:</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The purpose of the Directors&#8217; Compensation Plan is to enable the Company to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Company.&#160; The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Company and the Bank.&#160; The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Company&#8217;s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Company and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Company and the Bank for his service on the Boards of Directors of the Company and the Bank in an amount equal in value to the average compensation awarded to non-employee directors who have served twelve (12) months of the previous year.&#160;&#160; The maximum number of shares of Company common stock that may be granted under the Plan may not exceed twenty thousand (20,000) per year.&#160; The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior thirty (30) trading days ending on December 31<sup><font size="2">st</font></sup> of the calendar year.</div><div><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Incentive Compensation Plan:</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.&#160; The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Company and the Bank and to expend maximum effort to improve the business results and earnings of the Company by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Company.&#160; To this end, the Incentive Compensation Plan provides for the discretionary grant of unrestricted stock, i.e., common stock of the Company that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.&#160; The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is ten thousand (10,000) per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000.&#160; The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board.</div><div><br /></div><div style="text-align: justify; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Non-qualified Deferred Compensation Plan:</div><div><br /></div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.&#160; Eligible employees are generally highly compensated employees and are designated by the Board from time to time.&#160; Deferred amounts are an unfunded liability of the Company.&#160; The Plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code.</div><div style="text-align: justify; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div></div> <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;">(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in the Notes to Consolidated Financial Statements.</div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr bgcolor="#cceeff"><td align="left" valign="top" style="border-bottom: black 2px solid; width: 43%; border-top: black 0.5pt solid;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">FASB:&#160;&#160;Financial Accounting Standards Board</div></td><td align="left" valign="top" style="border-bottom: black 2px solid; width: 37%; border-top: black 0.5pt solid;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">OTTI:&#160;&#160;Other-than-temporary impairment</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">FDIC:&#160;&#160;Federal Deposit Insurance Corporation</div></td><td align="left" valign="top" style="border-bottom: black 2px solid; width: 37%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">PCI:&#160;&#160;Purchased credit impaired</div></td></tr><tr bgcolor="#cceeff"><td align="left" valign="top" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">FHLBNY:&#160;&#160;Federal Home Loan Bank of New York</div></td><td align="left" valign="top" style="border-bottom: black 2px solid; width: 37%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">SEC:&#160;&#160;Securities and Exchange Commission</div></td></tr><tr bgcolor="white"><td align="left" valign="top" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">GAAP:&#160;&#160;U.S. generally accepted accounting principles</div></td><td align="left" valign="top" style="border-bottom: black 2px solid; width: 37%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">CDO: Collateralized Debt Obligation</div></td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><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;">ORGANIZATION</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Chemung Financial Corporation (the "Corporation"), through its wholly owned subsidiaries, Chemung Canal Trust Company (the "Bank") and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients.&#160;&#160;The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">BASIS OF PRESENTATION</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and include the accounts of the Corporation and its subsidiaries.&#160;&#160;All significant intercompany balances and transactions are eliminated in consolidation.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">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 based on available information.&#160;&#160;These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.&#160;&#160;The allowance for loan losses, fair value of financial instruments, other-than-temporary impairment of investment securities and goodwill and other intangibles are particularly subject to change.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">SECURITIES</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Management determines the appropriate classification of securities at the time of purchase.&#160;&#160;If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost.&#160;&#160;Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value.&#160;&#160;Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.&#160; For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer.&#160;&#160;Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.&#160;&#160;For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.&#160; The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. 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display: block;">&#160;</div><div style="text-align: justify; 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 using the interest method.&#160;&#160;Past due status is based on the contractual terms of the loan.&#160;&#160;The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent.&#160;&#160;Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted.&#160;&#160;All payments received on non accrual loans are applied to principal.&#160;&#160;Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.&#160;&#160;Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.</div><div style="text-indent: 0pt; 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display: block;"><br /></div><div style="text-align: justify; 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;">Purchased Credit Impaired Loans:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans acquired that show evidence of credit deterioration since origination are considered purchased credit impaired loans&#160;&#160;These loans are recorded at the fair value of the amount paid, such that there is no carryover of the seller&#8217;s allowance for loan losses.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Such purchased loans are accounted for individually.&#160;&#160;The Corporation estimates the amount and timing of expected cash flows for each purchased loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield).&#160;&#160;The excess of the loan&#8217;s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">After acquisition, losses are recognized by an increase in the allowance for loan losses.&#160;&#160;Over the life of the loan expected cash flows continue to be estimated.&#160;&#160;If the present value of expected cash flows is less than the carrying amount, a reserve is established.&#160;&#160;If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.&#160;&#160;These loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">TROUBLED DEBT RESTRUCTURINGS</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Troubled debt restructuring (&#8220;TDR&#8221;) is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower&#8217;s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise.&#160;&#160;Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs.&#160;&#160;Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms, or by the presence of other significant items.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">ALLOWANCE FOR LOAN LOSSES</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.&#160;&#160;The allowance is established based on management&#8217;s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.</div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.&#160;&#160;Specific valuation allowances are established based on management&#8217;s analyses of individually impaired loans.&#160;&#160;Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.&#160;&#160;Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower&#8217;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.&#160;&#160;If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan&#8217;s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.&#160;&#160;Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.&#160;&#160;For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.&#160;&#160;This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.&#160;&#160;These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank&#8217;s loan review system and the degree of oversight by the Bank&#8217;s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank&#8217;s current portfolio and (10) the impact of the global economy.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The allowance for loan losses is increased through a provision for loan losses charged to operations.&#160;&#160;Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.&#160;&#160;Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.&#160;&#160;While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.&#160;&#160;In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">PREMISES AND EQUIPMENT</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture.&#160;&#160;Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">OTHER REAL ESTATE</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value.&#160;&#160;Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.&#160;&#160;Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">INCOME TAXES</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards.&#160;&#160;Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.&#160;&#160;A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.&#160;&#160;The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.&#160;&#160;For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">WEALTH MANAGEMENT GROUP FEE INCOME</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.&#160;&#160;The unaudited market value of trust assets under administration total $1.888 billion at December 31, 2013 and $1.735 billion at December 31, 2012.</div><div style="text-indent: 0pt; display: block;"><br /></div><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;">POSTRETIREMENT BENEFITS</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; 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;">Pension Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.&#160;&#160;The Pension Plan is a &#8220;qualified plan&#8221; under the IRS Code and therefore must be funded.&#160;&#160;Contributions are deposited to the Plan and held in trust.&#160;&#160;The Plan assets may only be used to pay retirement benefits and eligible plan expenses.&#160;&#160;The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.&#160;&#160;The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.&#160;&#160;Bonuses, overtime, commissions and dividends are excluded.&#160;&#160;The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.&#160;&#160;Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.&#160;&#160;Compensation for purposes of determining benefits under the Plan is reviewed annually.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; 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;">Defined Contribution Profit Sharing, Savings and Investment Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.&#160;&#160;The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.&#160;&#160;The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.&#160;&#160;The plan&#8217;s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.</div><div style="text-indent: 0pt; display: block;">&#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;">Defined Benefit Health Care Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements.&#160;&#160;This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current and future retirees between the ages of 55 and 65, will continue to be eligible for coverage under the Corporation's self insured plan, contributing 50% of the cost of the coverage. Employees who retire after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.&#160;&#160;The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; 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;">Executive Supplemental Pension Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.&#160;&#160;The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.&#160;&#160;Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Executive Supplemental Pension Plan is a &#8220;non-qualified plan&#8221; under the Internal Revenue Service Code.&#160;&#160;Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.&#160;&#160;When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to other operating expense in the consolidated statements of income.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; 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;">Defined Contribution Supplemental Executive Retirement Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events.&#160;&#160;The Defined Contribution Supplemental Executive Retirement Plan will deliver a retirement benefit comparable to that received by other executive officers participating in the bank&#8217;s Defined Benefit Plan.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.&#160;&#160;The plan&#8217;s expense is the Corporation&#8217;s annual contribution plus interest credits.</div><div style="text-indent: 0pt; display: block;">&#160;</div><div style="text-align: left; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">STOCK-BASED COMPENSATION</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; 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;">Restricted Stock Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Corporation&#8217;s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation&#8217;s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.&#160;&#160;Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation&#8217;s common stock to or for the benefit of employees selected to participate in the Plan.&#160;&#160;Each officer of the Corporation, other than the Corporation&#8217;s chief executive officer, is eligible to participate in the Plan.&#160;&#160;Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.&#160;&#160;The maximum number of shares of the Corporation&#8217;s common stock that may be awarded as restricted shares to Plan participants may not exceed fifteen thousand (15,000) per calendar year.&#160;&#160;Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.&#160;&#160;Except in the case of the participant&#8217;s death, disability, or in the event of a change in control, the participant&#8217;s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Corporation or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.&#160;&#160;The plan&#8217;s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; 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;">Deferred Directors Fee Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.&#160;&#160;Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation&#8217;s common stock purchased on the deferral date.&#160;&#160;Cash deferrals will be paid into an interest bearing account and paid in cash.&#160;&#160;Units will be paid in shares of common stock.&#160;&#160;All directors&#8217; fees are charged to other operating expense in the consolidated statements of income.</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; 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;">Directors&#8217; Compensation Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The purpose of the Directors&#8217; Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation.&#160;&#160;The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank.&#160;&#160;The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation&#8217;s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year.&#160;&#160;&#160;The maximum number of shares of Corporation&#8217;s common stock that may be granted under the Plan may not exceed twenty thousand (20,000) per year.&#160;&#160;The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior thirty (30) trading days ending on December 31<font style="display: inline; font-size: 70%; vertical-align: text-top;">st</font> of the calendar year.&#160;&#160;The cost of all cash and stock compensation is charged to other operating expenses in the consolidated statements of income.</div><div style="text-indent: 0pt; display: block;">&#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;">Incentive Compensation Plan:</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.&#160;&#160;The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation.&#160;&#160;To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.&#160;&#160;The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is ten thousand (10,000) per calendar year; 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margin-right: 0pt;">The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.&#160;&#160;Eligible employees are generally highly compensated employees and are designated by the Board from time to time.&#160;&#160;Investments in the plan are recorded as trading assets and deferred amounts are an unfunded liability of the Corporation.&#160;&#160;The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. 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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; font-weight: bold; margin-right: 0pt;">EARNINGS PER COMMON SHARE</div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period.&#160;&#160;Issuable shares including those related to directors&#8217; restricted stock units and directors&#8217; stock compensation are considered outstanding and are included in the computation of basic earnings per share as they are earned.&#160;&#160;All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.&#160;&#160;Restricted stock awards are grants of participating securities.&#160;&#160;The impact of the participating securities on earnings per share is not material.&#160;&#160;Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur.</div><div style="text-indent: 0pt; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 9%; 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: 4%; 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: 18%; 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: 4%; 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: 15%; 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font-family: times new roman; font-size: 10pt;"></td></tr><tr><td colspan="2" valign="bottom" style="padding-bottom: 2px; width: 38%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 2%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2013</div></td><td valign="bottom" style="padding-bottom: 2px; width: 4%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">2012</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 6%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 29%; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Unrealized gains and losses on securities</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;">available for sale:</div></td><td valign="bottom" style="width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 8%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%; display: inline; font-family: times new roman; font-size: 10pt;">Reclassification adjustment for other-than-temporary losses realized in net income</td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">$</td><td align="right" valign="bottom" style="background-color: #cceeff; width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">(29,025 </td><td valign="bottom" style="background-color: #cceeff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">$</td><td align="right" valign="bottom" style="background-color: #cceeff; width: 8%; display: inline; font-family: times new roman; font-size: 10pt;">- </td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;">Total impairment losses </td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; margin-left: 0pt; margin-right: 0pt;"><font style="display: inline; font-family: times new roman; font-size: 10pt;">Realized gains on securities</font><font style="display: inline; font-family: times new roman; font-size: 10pt;"> available for sale</font></div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="background-color: #ffffff; 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;"></div></td><td align="right" valign="bottom" style="background-color: #ffffff; 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: 0pt;">16,379</div></td><td valign="bottom" style="background-color: #ffffff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="background-color: #ffffff; 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;"></div></td><td align="right" valign="bottom" style="background-color: #ffffff; 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: 0pt;">300,516</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net losses on securities transactions</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax effect</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; 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: 0pt;">4,861</div></td><td valign="bottom" style="background-color: #cceeff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; 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: 0pt;">(115,518</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">) </td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Income tax benefit (expense)</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net of tax</div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">10,083</div></td><td valign="bottom" style="background-color: #ffffff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">184,998</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Amortization of defined pension plan</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;">and other benefit plan items:</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 8%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 8%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Prior service costs (a)</div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; 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: 0pt;">83,144</div></td><td valign="bottom" style="background-color: #ffffff; width: 4%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; 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: 0pt;">83,144</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Pension and other employee benefits</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Actuarial losses (a)</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; 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: 0pt;">(1,623,567</div></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 4%;"><div style="text-align: left; 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="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; 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: 0pt;">(1,431,064</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #cceeff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Pension and other employee benefits</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Tax effect</div></td><td valign="bottom" style="background-color: #ffffff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">592,139</div></td><td align="left" valign="bottom" style="background-color: #ffffff; width: 4%;"><div style="text-align: left; 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="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">518,140</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #ffffff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="background-color: #ffffff; width: 29%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Income tax benefit (expense)</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #cceeff; width: 38%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Net of tax</div></td><td valign="bottom" style="background-color: #cceeff; width: 2%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; 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: 0pt;">(948,284</div></td><td align="left" valign="bottom" style="background-color: #cceeff; width: 4%;"><div style="text-align: left; 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="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; width: 1%; font-family: times new roman; font-size: 10pt;"></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #cceeff; 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: 0pt;">(829,780</div></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">)</td><td valign="bottom" style="background-color: #cceeff; width: 6%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 29%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td valign="bottom" style="background-color: #cceeff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td></tr><tr><td align="left" colspan="2" valign="bottom" style="background-color: #ffffff; width: 38%;"><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 reclassification for the period, net of tax</div></td><td align="right" valign="bottom" style="background-color: #ffffff; 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;"></div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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: 0pt;">(956,069</div></td><td align="left" valign="bottom" style="background-color: #ffffff; width: 4%;"><div style="text-align: left; 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="background-color: #ffffff; width: 1%; display: inline; font-family: times new roman; font-size: 10pt;"></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; background-color: #ffffff; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; 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</td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Ending allowance balance</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;">&#160;&#160;attributable to loans:</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 9%; 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 align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="width: 9%; 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 align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; 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font-size: 10pt;">&#160; </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;">$</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;">1,046,022</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Collectively evaluated for</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;">&#160;&#160;impairment</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">1,402,694</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">4,407,377</div></td><td valign="bottom" style="width: 1%; 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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;">10,340,304</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans acquired with</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;">&#160;&#160;deteriorated credit quality</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; 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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="width: 1%; 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="border-bottom: black 2px solid; width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">1,389,242</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><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 ending allowance balance</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,978,689</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">6,242,996</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,516,892</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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: 0pt;">3,036,991</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">12,775,568</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; 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margin-right: 0pt;">Allowance for loan losses</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial,&#160;&#160;and Agricultural</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Commercial Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 7%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Unallocated</div></td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td align="left" valign="bottom" style="width: 1%; 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</td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 7%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 9%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Individually evaluated for impairment</div></td><td align="right" valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">59,201</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 7%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">-</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">192,638</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Collectively evaluated for impairment</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; 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;">1,459,432</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">&#160;&#160;Deteriorated credit quality</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">114,727</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">835,132</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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: 0pt;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">949,859</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 19%;"><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 ending allowance balance</div></td><td align="right" valign="bottom" style="width: 1%; 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margin-right: 0pt;">1,565,571</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 6%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,705,639</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">26,146</div></td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">10,432,650</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 27%; 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 colspan="18" valign="bottom" style="border-bottom: black 2px solid; width: 56%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2013</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Loans:</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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; font-weight: bold; margin-right: 0pt;">Commercial</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">and</div><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; 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margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">2,945,524</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">10,702,816</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">117,278</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">130,929</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">13,896,547</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans collectively</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;">&#160;&#160;evaluated for&#160;&#160;impairment</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 align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">142,107,931</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: 1%; 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 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;">354,636,380</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: 1%; 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 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;">196,146,739</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: 1%; 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 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;">281,978,972</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: 1%; 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 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;">974,870,022</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans acquired with deteriorated</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;">&#160;&#160;credit quality</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">678,383</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">8,756,562</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">261,551</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; 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;">9,696,496</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><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 ending loans balance</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">145,731,838</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">374,095,758</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">196,525,568</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">282,109,901</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">998,463,065</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 27%; 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; 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display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 8%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Total</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans individually</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;">&#160;&#160;evaluated for impairment</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 2%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</div></td><td align="right" valign="bottom" style="width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,907,395</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">10,620,274</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">131,909</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">-</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">12,659,578</div></td><td valign="bottom" style="width: 1%; 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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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">301,172,164</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: 1%; 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 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;">200,622,600</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: 1%; 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 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;">239,689,455</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: 1%; 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 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;">872,529,828</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 27%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Loans acquired with deteriorated</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;">&#160;&#160;credit quality</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 2%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,241,418</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">9,225,847</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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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="border-bottom: black 2px solid; width: 1%; 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;">10,711,533</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 27%;"><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 ending loans balance</div></td><td valign="bottom" style="width: 1%; display: inline; 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margin-right: 0pt;">$</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;">321,018,285</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">200,998,777</div></td><td valign="bottom" style="width: 1%; 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text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">895,900,939</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;">&#160;</div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;">&#160; <div style="text-align: justify; text-indent: 0pt; display: block; font-family: Times New Roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2013 and December 31, 2012:</div><div style="text-indent: 0pt; 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width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Credit Card</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Home Equity Lines and Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Indirect Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; 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font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">95,498,705</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">165,045,154</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">18,879,559</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 18%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Non-Performing</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">3,357,750</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">19,414</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">635,373</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">249,258</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">45,438</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td valign="bottom" style="width: 18%; 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 align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</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;">196,525,568</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">1,756,414</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">96,134,078</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; 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;">$</div></td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">165,294,412</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">18,924,997</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr></table></div><div style="text-indent: 0pt; display: block;"><br /></div><div style="text-indent: 0pt; display: block;"><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: times new roman; font-size: 10pt;"><tr><td valign="bottom" style="width: 18%; 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 colspan="19" valign="bottom" style="border-bottom: black 2px solid; width: 58%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">December 31, 2012</div></td></tr><tr><td align="left" valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" colspan="2" valign="bottom" style="width: 10%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="14" valign="bottom" style="border-bottom: black 2px solid; width: 43%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr><td valign="bottom" style="width: 18%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Residential Mortgages</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Credit Card</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Home Equity Lines and Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Indirect Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td colspan="2" valign="bottom" style="border-bottom: black 2px solid; width: 10%;"><div style="text-align: center; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; font-weight: bold; margin-right: 0pt;">Other Direct Consumer Loans</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="#cceeff"><td align="left" valign="bottom" style="width: 18%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Performing</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">198,575,753</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">1,847,837</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</div></td><td align="right" valign="bottom" style="width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">86,698,520</div></td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="width: 1%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">$</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;">130,642,490</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </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;">$</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;">19,571,312</div></td><td align="left" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td></tr><tr bgcolor="white"><td align="left" valign="bottom" style="width: 18%;"><div style="text-align: left; text-indent: 0pt; display: block; font-family: times new roman; margin-left: 0pt; font-size: 10pt; margin-right: 0pt;">Non-Performing</div></td><td align="right" valign="bottom" style="width: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="left" valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">2,423,024</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: 3%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">3,308</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">571,365</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </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;">335,285</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: 1%; display: inline; font-family: times new roman; font-size: 10pt;">&#160; </td><td valign="bottom" style="border-bottom: black 2px solid; width: 1%; font-family: times new roman; font-size: 10pt;">&#160; </td><td align="right" valign="bottom" style="border-bottom: black 2px solid; width: 9%;"><div style="text-align: right; text-indent: 0pt; display: block; 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background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">178,903,280</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 68%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">2015</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">45,616,228</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">244,491,486</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr></table><div style="clear: both;"><br /></div></div> <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A summary of deposits at December 31, 2013 and 2012 is as follows:</div><div><br /></div><table align="left" border="0" cellpadding="0" cellspacing="0" style="width: 80%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; width: 56%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; width: 1%; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; 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font-size: 10pt;">300,610,463</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 56%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; font-family: ''Times New Roman'', Times, serif; margin-left: 7.2pt; font-size: 10pt;">Interest-bearing demand deposits</div></td><td valign="bottom" style="background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">114,679,334</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #ffffff; 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background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">361,094,929</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">243,114,771</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="background-color: #ffffff; width: 56%; vertical-align: bottom;"><div style="text-align: left; text-indent: -7.2pt; 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padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #cceeff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">236,690,054</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #cceeff; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 56%; vertical-align: bottom;"><div style="text-align: left;">&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; background-color: #ffffff; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,263,369,661</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; background-color: #ffffff; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; background-color: #ffffff; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2012. Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013. Adjustments related to Fort Orange Financial Corp. acquisition Cash basis interest income approximates interest income recognized. Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $328 thousand at December 31, 2013 (a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information). 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Transferred in [Abstract] Director [Member] STOCK COMPENSATION Disclosure of Compensation Related Costs, Share-based Payments [Text Block] SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE [Abstract] STOCK COMPENSATION [Abstract] Cash dividends declared Dividends, Common Stock, Cash Dividends payable Dividends declared, not yet paid Basic and diluted earnings per share (in dollars per share) EARNINGS PER COMMON SHARE Period for Recognition Unrecognized compensation cost related to nonvested Employee Service Share-based Compensation, Nonvested Awards, Total Compensation Cost Not yet Recognized, Share-based Awards Other than Options Furniture and equipment expenses Equipment and furniture[Member] Equity Method Investments Equity in undistributed earnings Proceeds from Equity Method Investment, Dividends or Distributions Equity Component [Domain] Mutual Funds [Member] Corporate stocks [Member] Fair Value [Member] Estimated Fair Value [Member] Fair Value by Measurement Frequency [Axis] Fair Value by Asset Class [Domain] Valuation techniques Fair Value, Hierarchy [Axis] Recurring [Member] Fair Value, Measurement Frequency [Domain] Nonrecurring fair value measurement , Valuation Techniques Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Table] Asset Class [Axis] Off-balance sheet contractual amounts of financial instruments Fair Value, Measurements, Fair Value Hierarchy [Domain] Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items] Included in other comprehensive income Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Gain (Loss) Included in Other Comprehensive Income (Loss) FAIR VALUES [Abstract] FAIR VALUES Non-recurring [Member] Trust Preferred Securities [Rollforward] Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward] Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items] Summary of assets and liabilities measured at fair value on a non-recurring basis Fair value, assets and liabilities measured on recurring basis [Abstract] Carrying value and estimated fair value of financial instruments Fair Value, Disclosure Item Amounts [Domain] Fair Value, by Balance Sheet Grouping [Table] Fair Value, by Balance Sheet Grouping, Disclosure Item Amounts [Axis] Significant Unobservable Inputs (Level 3) [Member] Significant Unobservable Inputs (Level 3) [Member] Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] Significant Other Observable Inputs (Level 2) [Member] Significant Other Observable Inputs (Level 2) [Member] Off-balance sheet risks [Line Items] Transfers in and/or out of Level 3 Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Transfers, Net Ending balance Beginning balance Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged Federal Home Loan Bank and Federal Reserve Bank Stock, at cost Federal Home Loan Bank Stock and Federal Reserve Bank Stock FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES Federal Home Loan Bank Advances, Disclosure [Text Block] FDIC insurance Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available Weighted Average Interest Rate (in hundredths) Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Weighted Average Interest Rate Federal Home Loan Bank term advances Wealth management group fee income Fees and Commissions, Fiduciary and Trust Activities Service charges on deposit accounts LOANS HELD FOR SALE Financial liabilities [Abstract] Financial Instruments, Financial Liabilities, Balance Sheet Groupings [Abstract] Financial Assets [Abstract] Financial Instruments, Financial Assets, Balance Sheet Groupings [Abstract] Financial Instruments Owned and Pledged as Collateral by Type [Axis] Financial Instruments Owned and Pledged as Collateral, Type [Domain] Financial Instruments Owned and Pledged as Collateral [Line Items] Financial Instruments [Axis] Financial Instruments Owned and Pledged as Collateral [Table] Fair value of securities pledged to secure public funds on deposit or for other purposes Financing Receivable, Recorded Investment, Past Due [Line Items] Recorded investment in troubled debt restructurings Financing Receivable, Modifications, Subsequent Default, Recorded Investment Financing Receivable, Modifications [Line Items] 90 Days or more Past Due and accruing Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing Non-Accrual Financing Receivable, Recorded Investment, Nonaccrual Status Loans acquired with deteriorated credit quality Financing Receivable, Acquired with Deteriorated Credit Quality Financing Receivable, Allowance for Credit Losses [Line Items] Individually evaluated for impairment - Loan allowances allocated Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financing Receivable, Recorded Investment [Line Items] Loans acquired with deteriorated credit quality Allowance for loan losses, by portfolio segment [Roll Forward] Credit Quality Indicator [Axis] Credit Quality Indicator [Axis] Troubled debt restructuring loan amount modified Charge Offs Financing Receivable, Allowance for Credit Losses, Write-downs Class of Financing Receivable [Domain] Class of Financing Receivable [Domain] Aging of the recorded investment in loans past due [Abstract] Troubled debt restructuring, charge offs Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down Recoveries Financing Receivable, Allowance for Credit Losses, Recovery Financing Receivable, Impaired [Line Items] Loans individually evaluated for impairment Financing Receivable, Individually Evaluated for Impairment Financing Receivable, by Credit Quality Indicator [Domain] Current Ending balance Beginning balance: Financing Receivable, Allowance for Credit Losses Risk category of the recorded investment of loans by class of loans Class of Financing Receivable [Axis] Class of Financing Receivable [Axis] Loans collectively evaluated for impairment Financing Receivable, Collectively Evaluated for Impairment Collectively evaluated for impairment - Loan allowance allocated Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Finite-lived intangible asset, useful life Amortization period Finite-Lived Intangible Assets, Major Class Name [Domain] 2018 Intangible assets with definite useful lives - from business purchases Finite-Lived Intangible Assets, Gross Finite-Lived Intangible Assets [Line items] 2016 Finite-lived intangible assets, future amortization expense [Abstract] Acquired Finite-Lived Intangible Assets by Major Class [Axis] Accumulated Amortization Finite-lived intangible assets, net [Abstract] 2019 and thereafter 2014 2017 2015 Total Finite-Lived Intangible Assets, Net Other real estate owned expenses Foreign bonds, notes & debentures [Member] Proceeds from sales and calls of securities resulting in gains or losses Net gains on securities transactions Net gains on securities transactions Net loss on securities transactions Net gain on sales of loans held for sale Gains on sales of loans held for sale, net Gain (Loss) on Sales of Loans, Net Net gains (losses) on sales of other real estate owned Net (gains) losses on sale of other real estate owned Gains (Losses) on Sales of Other Real Estate Goodwill Ending of year Beginning of year GOODWILL AND INTANGIBLE ASSETS GOODWILL AND INTANGIBLE ASSETS Goodwill and Intangible Assets Disclosure [Text Block] Adjustment of Acquired goodwill Acquired goodwill Goodwill [Roll Forward] GOODWILL AND INTANGIBLE ASSETS [Abstract] Intangible Assets [Abstract] After One, But Within Five Years Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount Securities held to maturity, estimated fair value of $6,929,549 December 31, 2013 and $6,421,486 at December 31, 2012 Amortized Cost Securities held to maturity After Five, But Within Ten Years Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount Within One Year Held-to-maturity Securities, Debt Maturities, Next Twelve Months, Fair Value After Ten Years Held-to-maturity Securities, Debt Maturities, after Ten Years, Fair Value After One, But Within Five Years Held-to-maturity Securities, Debt Maturities, Year Two Through Five, Fair Value After Five, But Within Ten Years Held-to-maturity Securities, Debt Maturities, Year Six Through Ten, Fair Value After Ten Years Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount Unrealized Losses Held-to-maturity Securities, Unrecognized Holding Loss Amortized cost and estimated fair value of securities held to maturity Amortized Cost Total Held-to-maturity Securities, Debt Maturities, Net Carrying Amount Within One Year Held-to-maturity Securities, Debt Maturities, within One Year, Net Carrying Amount Fair Value, Total Held-to-maturity Securities, Debt Maturities, Fair Value Securities held to maturity, estimated fair value Estimated Fair Value Unrealized Gains Held-to-maturity Securities, Unrecognized Holding Gain Interest Income, Accrual Method [Abstract] Impaired Financing Receivable, Interest Income, Accrual Method [Abstract] With No Related Allowance, Interest Income, Accrual Method Impaired Financing Receivable, with No Related Allowance, Interest Income, Accrual Method With Related Allowance, Average Recorded Investment Impaired Financing Receivable, with Related Allowance, Average Recorded Investment Average Recorded Investment [Abstract] Unpaid Principal Balance [Abstract] Summary of impaired financing receivables With Related Allowance, Recorded Investment Impaired Financing Receivable, with Related Allowance, Recorded Investment With Related Allowance, Interest Income, Accrual Method Average Recorded Investment, Total Impaired Financing Receivable, Average Recorded Investment With No Related Allowance, Unpaid Principal Balance Unpaid Principal Balance, Total Impaired Financing Receivable, Unpaid Principal Balance Recorded Investment, Total With No Related Allowance, Recorded Investment Impaired Financing Receivable, with No Related Allowance, Recorded Investment Allowance for Loan Losses Allocated Impaired loan valuation allowance With No Related Allowance, Average Recorded Investment With Related Allowance, Unpaid Principal Balance Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance Interest Income, Accrual Method, Total Impaired Financing Receivable, Interest Income, Accrual Method Recorded Investment [Abstract] Impaired Financing Receivable, Recorded Investment [Abstract] Net impairment loss recognized on investment securities Income before income tax Income (Loss) from Continuing Operations before Income Taxes, Extraordinary Items, Noncontrolling Interest CONSOLIDATED STATEMENTS OF INCOME [Abstract] Statement of Income [Abstract] INCOME TAXES Income Tax Disclosure [Text Block] INCOME TAXES [Abstract] Income before income tax expense Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Extraordinary Items, Noncontrolling Interest Equity in undistributed earnings Income tax expense Income tax expense Income tax benefit (expense) Tax computed at statutory rate Income Tax Expense (Benefit), Continuing Operations, Income Tax Reconciliation [Abstract] Dividend exclusion Income Tax Reconciliation, Deductions, Dividends Nondeductible interest expense Tax-exempt interest Income Tax Reconciliation, Tax Exempt Income State taxes, net of Federal impact INCOME TAXES Income Tax, Policy [Policy Text Block] Income Taxes Other items, net Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts Change in dividend receivable Increase (Decrease) in Dividends Receivable (Increase) decrease in other assets Change in other assets Increase (Decrease) in Other Operating Assets Decrease in accrued interest payable Increase in other liabilities Change in other liabilities Net decrease in time deposits Data processing expense Other intangible assets, net Accrued interest payable Interest and Dividend Income: Loans, including fees Interest and Dividend Income Total interest expense Interest Expense Total interest and dividend income Interest and Dividend Income, Operating Interest Expense: Accrued interest and other assets Interest Receivable and Other Assets Borrowed funds Interest Expense, Borrowings Deposits Interest Expense, Deposits Interest expense on time deposits Interest Expense, Time Deposits Interest-bearing deposits Net interest income Net interest income Interest Income (Expense), Net Securities sold under agreements to repurchase Interest Expense, Securities Sold under Agreements to Repurchase Tax exempt securities Net interest income after provision for loan losses Interest Income (Expense), after Provision for Loan Loss Accrued interest receivable Interest receivable on loans Interest-bearing Interest Interest-bearing deposits in other financial institutions Taxable securities SECURITIES Investment in subsidiary SECURITIES Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block] SECURITIES [Abstract] Federal Home Loan Bank, Advances, Maturity Date [Domain] Long-term Debt, Type [Domain] Federal Home Loan by Maturity [Axis] Long-term Debt, Type [Axis] Land [Member] Leasehold Improvements [Member] Leverage Ratios [Abstract] Total liabilities Liabilities LIABILITIES AND SHAREHOLDERS' EQUITY Liabilities and shareholders' equity: [Abstract] Total liabilities and shareholders' equity Liabilities and Equity BANK OWNED LIFE INSURANCE Life Settlement Contracts, Policy [Policy Text Block] Litigation Case Type [Domain] Litigation Status [Domain] Litigation Case [Axis] Litigation Status [Axis] Loan expense Loans individually evaluated for impairment [Abstract] LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract] ALLOWANCE FOR LOAN LOSSES Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block] Allowance for loan losses Total ending allowance balance Loans and Leases Receivable, Allowance TROUBLED DEBT RESTRUCTURINGS Loans, net of deferred origination fees and costs, and unearned income Total loans, net of deferred origination fees and costs, and unearned income Loans held for sale Residential mortgages held for sale Loans pledged as collateral Loans Pledged as Collateral Composition of loan portfolio [Abstract] OTHER REAL ESTATE Loans, net Loans, net Loans and Leases Receivable, Net Amount Total impaired loan, fair value LOANS LOANS AND ALLOWANCE FOR LOAN LOSSES Loans, Notes, Trade and Other Receivables Disclosure [Text Block] Loss Contingencies [Table] Damages and disallowed trustee's commissions claimed Loss Contingency, Damages Sought, Value Loss Contingencies [Line Items] Major Types of Debt Securities [Domain] Schedule of Available-for-sale Securities, Major Types of Debt and Equity Securities [Axis] Major Types of Debt and Equity Securities [Domain] Market Approach Valuation Technique [Member] TRADING ASSETS Marketable Securities, Trading Securities, Policy [Policy Text Block] Marketing and advertising expense Maturities of Time Deposits [Abstract] After 90 days but within one year [Member] Maximum [Member] Minimum [Member] Mortgage-backed securities, residential Write down of OREO Non-Performing [Member] CASH FLOWS FROM FINANCING ACTIVITIES: Cash flow from financing activities [Abstract] Net cash used by investing activities Net Cash Provided by (Used in) Investing Activities Net cash provided (used) by financing activities Net Cash Provided by (Used in) Financing Activities CASH FLOWS FROM INVESTING ACTIVITIES: Cash flow from investing activities: CASH FLOWS FROM OPERATING ACTIVITIES: Cash flows from operating activities: [Abstract] Net income Net income Net income Net of tax Net cash provided by operating activities Net Cash Provided by (Used in) Operating Activities ADOPTION OF NEW ACCOUNTING STANDARDS Non-interest-bearing Non-interest-bearing demand deposits Other Noninterest Income, Other Operating Income Other operating income: Other operating expenses: Total other operating income Other operating income Noninterest Income Total other operating expenses Other operating expenses Noninterest Expense Related Party Loans - beginning of year Related Party Loans - end of year Notes Receivable, Related Parties Total Loans Financing Receivable, Net Number of operating segments Number of Operating Segments Net occupancy expenses Equipment and furniture [Member] 2019 and thereafter Operating Leases, Future Minimum Payments, Due Thereafter Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract] Operating Expenses Operating Expenses Operating leases, rent expense Operating Leases, Rent Expense, Net 2016 Operating Leases, Future Minimum Payments, Due in Three Years 2015 Operating Leases, Future Minimum Payments, Due in Two Years 2014 Operating Leases, Future Minimum Payments Due, Next Twelve Months 2017 Operating Leases, Future Minimum Payments, Due in Four Years 2018 Operating Leases, Future Minimum Payments, Due in Five Years Operating lease commitments Total Operating Leases, Future Minimum Payments Due Net current period other comprehensive loss Other Comprehensive Income (Loss), Net of Tax Other Assets Other Assets Other than temporary impairment credit losses recognized in earnings [Roll Forward] Beginning balance Ending balance Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held Reclassification adjustment for other-than-temporary losses realized in net income Other than Temporary Impairment Losses, Investments, Portion in Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent, Available-for-sale Securities TPREF Funding II, Ltd. (Class B), Qualitative Disclosures, Key Performance Indicator [Abstract] Executive Supplemental Pension Plan [Member] Net of tax amount Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax Total before tax effect Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, before Tax Reclassification adjustment gains realized in net income Tax effect Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax Roll forward of the cumulative credit losses recognized in earnings Amounts related to credit loss for which an other-than-temporary impairment was not previously recognized Net gain (loss) arising during the period Net actuarial loss(gain) Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net Unamortized Gain (Loss) Arising During Period, before Tax Net unrealized (losses) gains Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, before Tax Reductions for increase in cash flows expected to be collected that are recognized over the remaining life of the security Reclassification adjustment for amortization of prior service costs Amortization of prior service cost Other Comprehensive Income (Loss), Amortization, Pension and Other Postretirement Benefit Plans, Net Prior Service Cost Recognized in Net Periodic Benefit Cost, before Tax Amounts related to securities for which the company intends to sell or that it will be more likely than not that the company will be required to sell prior to recovery of amortized cost basis Change in funded status of defined benefit pension plan and other benefit plans: Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, before Reclassification Adjustments, Tax [Abstract] ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS [Abstract] Other comprehensive income Other Comprehensive Income (Loss), Net of Tax [Abstract] Unrealized holding (losses) gains on securities available for sale Reclassification adjustment for amortization of net actuarial Recognized actuarial loss Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Gain (Loss) Recognized in Net Periodic Benefit Cost, before Tax Other Other Noninterest Expense Other liabilities Other income OREO - Other real estate owned gross Total other real estate owned, net Defined Benefit Health Care Plan [Member] Postretirement Benefit Plan [Member] Other Postretirement Benefit Plans, Defined Benefit [Member] Other comprehensive income Total other comprehensive income (loss) Other Comprehensive Income (Loss), Net of Tax, Portion Attributable to Parent Tax effect Other Comprehensive Income (Loss), Available-for-sale Securities, Tax, Portion Attributable to Parent Net of tax amount Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax, Portion Attributable to Parent Performing [Member] Recorded investment in past due and non-accrual status by class of loans Pass [Member] Parent Company [Member] Purchase of trading assets Payments to Acquire Trading Securities Held-for-investment Loans originated and held for sale Payments for Origination and Purchases of Loans Held-for-sale Net increase in loans Payments for (Proceeds from) Loans and Leases Purchase of treasury stock Payments for Repurchase of Common Stock Cash dividends paid Payments of Dividends Purchases of premises and equipment Payments to Acquire Property, Plant, and Equipment Purchases of securities available for sale Payments to Acquire Available-for-sale Securities Cash paid Fort Orange Financial Corp. acquisition Payments to Acquire Businesses, Gross Cash paid Fort Orange Financial Corp. acquisition Payments to Acquire Equity Method Investments Cash dividends paid Payments of Ordinary Dividends, Common Stock Purchase of Federal Home Loan Bank and Federal Reserve Bank stock Payments to Acquire Federal Reserve Stock Purchases of securities held to maturity Payments to Acquire Held-to-maturity Securities Pending Litigation [Member] Pension Plan [Member] Pension Plans, Defined Benefit [Member] PENSION PLAN AND OTHER BENEFIT PLANS Pension and Other Postretirement Benefits Disclosure [Text Block] POSTRETIREMENT BENEFITS Plan Name [Domain] Plan Name [Axis] Plan Asset Categories [Domain] Securities pledged to secure securities sold under agreements to repurchase [Abstract] RECLASSIFICATION Proceeds from sales of trading assets Net decrease in securities sold under agreements to repurchase Repayments of Federal Home Loan Bank long term advances Proceeds from maturities and principal collected on securities available for sale Proceeds from maturities and principal collected on securities held to maturity Proceeds from sales and calls of securities available for sale Proceeds from sales of loans held for sale Proceeds on sales Proceeds from sales Redemption of Federal Home Loan Bank and Federal Reserve Bank stock Proceeds from sale of other real estate owned Sale of treasury stock Proceeds from Sale of Treasury Stock Professional services Professional Fees Property, plant and equipment, useful life Property, Plant and Equipment, Useful Life Property, Plant and Equipment, Type [Domain] PREMISES AND EQUIPMENT [Abstract] PREMISES AND EQUIPMENT Property, Plant and Equipment, Policy [Policy Text Block] Property, Plant and Equipment, Net, by Type [Abstract] Premises and equipment, net Premises and equipment, Net, Total Property, Plant and Equipment [Line Items] Premises and equipment, Gross Property, Plant and Equipment, Gross Premises and equipment Property, Plant and Equipment, Type [Axis] PREMISES AND EQUIPMENT Property, Plant and Equipment Disclosure [Text Block] Provision Provision for Loan, Lease, and Other Losses Provision for loan losses Range [Axis] Range [Domain] Other real estate owned valuation allowance Receivable Type [Domain] Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward] Reportable segments and reconciliation to consolidated results [Abstract] REGULATORY CAPITAL REQUIREMENTS [Abstract] REGULATORY CAPITAL REQUIREMENTS Regulatory Capital Requirements under Banking Regulations [Text Block] RELATED PARTY TRANSACTIONS Related Party Transactions Disclosure [Text Block] Related Party Transactions [Line Items] Related Party Transaction [Line Items] Related Party [Domain] RELATED PARTY TRANSACTIONS [Abstract] Deposit Liabilities Related Party Deposit Liabilities Related Party [Axis] SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE Repurchase and Resale Agreements Policy [Policy Text Block] SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE Repurchase Agreements, Resale Agreements, Securities Borrowed, and Securities Loaned Disclosure [Text Block] Mortgage-backed securities, residential [Member] Mortgage-backed securities, residential [Member] Residential mortgages [Member] Residential Mortgages [Member] Reserve requirement Restricted Stock [Member] Expense to employee restricted stock awards Retained earnings Retained Earnings [Member] WEALTH MANAGEMENT GROUP FEE INCOME Risk Based Ratios [Abstract] Substandard [Member] Schedule of expected amortization expense Schedule of Financing Receivable, Allowance for Credit Losses [Table] Schedule of Impaired Financing Receivable [Table] Components of income tax expense Summary of assets and liabilities measured at fair value on a recurring basis Schedule of Financing Receivable, Troubled Debt Restructurings [Table] Components of net periodic benefit cost and other amounts recognized in other comprehensive income Schedule of Net Benefit Costs [Table Text Block] Change in plan assets Schedule of Changes in Fair Value of Plan Assets [Table Text Block] Schedule of Branch Acquisition Schedule of Business Acquisitions, by Acquisition [Table Text Block] Schedule of Available-for-sale Securities [Table] Weighted-average assumption for disclosure Schedule of Health Care Cost Trend Rates [Table Text Block] Effective income tax expense Reconciliation of unrecognized tax benefits Schedule of Finite-Lived Intangible Assets [Table] Amounts expected to be recognized in net periodic cost Schedule of Financing Receivable Past Due [Table] Schedule of Assets Sold under Agreements to Repurchase [Table] Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table] Related Party Loans Change in benefit obligation Deferred tax assets and deferred tax liabilities Parent Company Statement of Financial Position Schedule of Condensed Balance Sheet [Table Text Block] Effect of one-percentage point change in assumed health care cost trend rates Schedule of Acquired Finite-Lived Intangible Asset by Major Class [Table] Summary of restricted stock activity Schedule of acquired finite-lived intangible assets by major class Investment securities available for sale in an unrealized loss position Schedule of Unrealized Loss on Investments [Table Text Block] Amount recognized in accumulated other comprehensive income Schedule of Available-for-sale Securities [Line Items] Parent Company Statement of Cash Flows Schedule of Condensed Cash Flow Statement [Table Text Block] Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Schedule of Business Acquisitions, by Acquisition [Table] Changes in accumulated postretirement benefit obligation Actual capital amounts and ratios of the Corporation and the Bank Components of accumulated other comprehensive income (Loss) Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block] Estimated benefit payments Parent Company Statement of Income Schedule of Condensed Income Statement [Table Text Block] Schedule Of Fair Value Off Balance Sheet Risks [Table] Schedule of Condensed Financial Statements [Table] Securities pledged to secure securities sold under agreements to repurchase Schedule of Defined Benefit Plans Disclosures [Table] Contractual amounts of financial instruments with off-balance sheet risk Schedule of changes in goodwill Schedule of Held-to-maturity Securities [Line Items] Schedule of Held-to-maturity Securities [Table] Summary of securities sold under agreements to repurchase Schedule of Segment Reporting Information, by Segment [Table] Schedule of Segment Reporting Information, by Segment [Table] Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table] Schedule of Related Party Transactions, by Related Party [Table] Summarized financial information showing reconciliation of segment net income loss and assets to consolidated results Schedule of Property, Plant and Equipment [Table] Schedule of Accounts, Notes, Loans and Financing Receivable [Table] Composition of the loan portfolio by type Estimated Fair Value of Collateral Securities Securities sold under agreements to repurchase Balance at December 31 Securities Sold under Agreements to Repurchase Estimated Fair Value Security Owned and Pledged as Collateral, Fair Value Segment Reporting Information [Line Items] Segment Reporting [Abstract] Segment Reporting, Disclosure of Other Information about Entity's Reportable Segments [Abstract] SEGMENT REPORTING [Abstract] SEGMENT REPORTING Segment Reporting Disclosure [Text Block] SEGMENT REPORTING Segment [Domain] Bank of America [Member] Series of Individually Immaterial Business Acquisitions [Member] Vested in Period, Total Fair Value Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number of Shares [Roll Forward] Granted (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value Forfeited or Cancelled (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period Nonvested, Beginning Balance (in dollars per share) Nonvested (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 Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value [Roll Forward] Share-based Compensation Arrangement by Share-based Payment Award [Line Items] Share-based Compensation Arrangements [Line Items] Nonvested, Beginning Balance (in shares) Nonvested, Ending Balance (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number Vested (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period STOCK-BASED COMPENSATION [Abstract] Share-based Compensation [Abstract] Forfeitures or Cancelled (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value Granted (in shares) Vested (in dollars per share) Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value Number of shares authorized per calendar year (in shares) Number of Shares Authorized Annually (in shares) Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized Award Type [Domain] STOCK-BASED COMPENSATION SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Significant Accounting Policies [Text Block] Special Mention [Member] Standby letters of credit [Member] Standby Letters of Credit [Member] Statement [Table] Statement [Line Items] CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY [Abstract] CONSOLIDATED STATEMENTS OF CASH FLOWS [Abstract] Statement of Cash Flows [Abstract] Business Segments [Axis] Statement, Business Segments [Axis] Statement Equity Components [Axis] Equity Components [Axis] CONSOLIDATED BALANCE SHEETS [Abstract] Statement of Financial Position [Abstract] CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract] Issuance of shares related to FOFC Merger (in shares) Issuance related to FOFC Merger Sale of treasury stock Distribution of shares of treasury stock for employee compensation (in shares) Distribution of shares of treasury stock for employee compensation Sale of shares of treasury stock (in shares) Stock Issued During Period, Shares, Treasury Stock Reissued Forfeit of restricted stock awards Stock Issued During Period, Value, Restricted Stock Award, Forfeitures Expense related to employee stock compensation Stock or Unit Option Plan Expense Shareholders' equity: Stockholders' Equity Attributable to Parent [Abstract] Balances Balances Total shareholders' equity Total shareholders' equity SUBSEQUENT EVENTS Subsequent Events, Policy [Policy Text Block] Bank [Member] Supplemental disclosure of cash flow information: Tier One Leverage Capital Required for Capital Adequacy to Average Assets (in hundredths) Tier One Leverage Capital Required for Capital Adequacy to Average Assets Tier One Leverage Capital to Average Assets (in hundredths) Tier One Leverage Capital to Average Assets Tier One Risk Based Capital to Risk Weighted Assets (in hundredths) Tier One Risk Based Capital to Risk Weighted Assets Tier One Risk Based Capital Required to be Well Capitalized Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (in hundredths) Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier One Risk Based Capital Tier One Risk Based Capital Required for Capital Adequacy Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (in hundredths) Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Tier One Leverage Capital Required for Capital Adequacy Tier One Leverage Capital Required to be Well Capitalized Tier One Leverage Capital Required to be Well Capitalized to Average Assets (in hundredths) Tier One Leverage Capital Required to be Well Capitalized to Average Assets Tier 1 Capital (to Average Assets) [Abstract] Tier One Leverage Capital Tier 1 Capital (to Risk Weighted Assets) [Abstract] 2015 Time Deposit Maturities, Year Three 2017 Time Deposit Maturities, Year Five 2018 and thereafter Time Deposit Maturities, after Year Five 2013 Time Deposit Maturities, Next Twelve Months 2016 Time Deposit Maturities, Year Four Time Deposits Time Deposits 2014 Time Deposit Maturities, Year Two Time Deposits, $100,000 or More Time Deposits, $100,000 or More Title of Individual with Relationship to Entity [Domain] Net gains on trading assets Trading Securities, Change in Unrealized Holding Gain (Loss) Trading assets Trading Securities, Fair Value Disclosure Trading assets, at fair value Transfer of loans to other real estate owned Financial Instruments [Domain] Treasury stock, at cost (707,674 shares at December 31, 2013; 728,680 shares at December 31, 2012) Treasury Stock, Value Purchase of shares of treasury stock (in shares) Treasury stock, at cost (in shares) Treasury Stock [Member] Purchase of shares of treasury stock Treasury Stock, Value, Acquired, Cost Method Loans by class modified as troubled debt restructurings Trust Preferred Securities [Member] Trust Preferred Securities Subject to Mandatory Redemption [Member] Unallocated [Member] Changes in unrealized gains and losses recorded in earnings Additions for tax positions of current year Unrecognized Tax Benefits, Ending Balance Unrecognized Tax Benefits, Beginning Balance Unrecognized Tax Benefits Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued [Abstract] Accrued interest or penalties related to uncertain tax position Reductions related to settlement with taxing authorities Unrecognized Tax Benefits, Decreases Resulting from Settlements with Taxing Authorities Unused line of credit [Member] Obligations of U.S. Government and U.S. Government sponsored enterprises [Member] Obligations of U.S. Government and U.S. Government sponsored enterprises [Member] Obligations of states and political subdivisions [Member] Obligations of states and political subdivisions [Member] US Treasury and Government [Member] Valuation Technique [Axis] Valuation Technique [Domain] Weighted average shares outstanding (in shares) Number of branch offices located in Auburn, Cortland, Ithaca and Seneca Falls, New York. Number of branch offices Number of branches The amount of time deposit premium as of balance sheet date. Time Deposit Premium Time deposit premium The amount of acquisition cost of a business combination allocated to deposit. Business Acquisition Purchase Price Allocation Deposit Deposits assumed The amount of acquisition cost of a business combination allocated to loans and lease receivables. Business Acquisition, Purchase Price Allocation, Loans and Leases Receivables Loans The amount of acquisition cost of a business combination allocated to time deposit. BusinessAcquisitionPurchasePriceAllocationTimeDepositPremium Time deposit premium Document and Entity Information [Abstract] The amount dividends that can be declared without prior approval given the combined retained net profits of the preceding two years subject to capital requirements. Declarable Dividend Amount Without Prior Approval for next fiscal year Declarable dividends without prior approval for next fiscal year Period of time over which net profits are accessed for determining dividends in accordance with capital requirements. Net Profits Period For Accessing Dividends Net profits period to accessing dividends declarable Represents consolidated figure of all subsidiaries. Consolidated [Member] Sum of income from dividends from equity method investments, income taxes, extraordinary items, and noncontrolling interest. Income Loss From Dividends Of Subsidiary Bank Dividends from subsidiary bank Subsidiary Chemung Canal Trust Company Chemung Canal Trust Company [Member] Subsidiary CFS Group Inc. CFS Group Inc. [Member] All the names of the entities being reported upon in a document. Any legal structure used to conduct activities or to hold assets. Some examples of such structures are corporations, partnerships, limited liability companies, grantor trusts, and other trusts. This item does not include business and geographical segments which are included in the geographical or business segments domains. Entity Subsidiary [Domain] The set of legal entities associated with a report. Legal Entity Subsidiary [Axis] Tabular disclosure of information about items reclassified out of accumulated other comprehensive income (loss). Reclassification out of Accumulated Other Comprehensive Income [Table Text Block] Reclassification out of accumulated other comprehensive income Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans the benefit obligation, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets. Schedule of Assumptions Used In Determining Benefit Obligations [Table Text Block] Assumptions used in determining benefit obligation Tabular disclosure of the target allocation of plan assets. Schedule of Target Allocation of Plan Assets [Table Text Block] Target Assets Allocations Tabular disclosure of the assumed health care cost trend rates for the next year used to measure the expected net periodic cost of benefits covered by the plans, including the ultimate trend rate(s) and when that rate is expected to be achieved. Schedule of Health Care Cost Trend Rates for Net Periodic Cost [Table Text Block] Weighted-average assumption for net periodic cost Tabular disclosure of the assumptions used to determine for pension plans and/or other employee benefit plans net benefit cost, including assumed discount rates, rate increase in compensation increase, and expected long-term rates of return on plan assets. Schedule of Assumptions Used In Determining Net Periodic Benefit Cost [Table Text Block] Assumptions used in determining net periodic benefit cost Tabular disclosure of the major categories of plan assets of pension plans and/or other employee benefit plans. This information may include, but is not limited to, the fair value of each major category of plan assets, and the level within the fair value hierarchy in which the fair value measurements fall. Schedule of Fair Value of Plan Assets [Table Text Block] Fair value of the plan assets Total expense related to unrecognized net loss. Total expense For a defined benefit plan self insured health care plan, the employee contribution percentage. Defined Benefit Plan Self Insured Health Care Plan Employee Contribution Self insured health care plan employee contribution (in hundredths) Pension Plan, Other changes in plan assets and benefit obligations recognized in other comprehensive income: [Abstract] Other changes in plan assets and benefit obligations recognized in other comprehensive income [Abstract] Amount of non-discretionary contributions made by an employer to a defined contribution plan. Defined Contribution Plan Employer non Discretionary Contribution Amount Non-discretionary 401K contribution Number of annual service hours for employees to be eligible to participate in the defined contribution plan or plans described. Defined Contribution Plan Number Of Employee Annual Hours For Eligibility Number of employee annual hours for eligibility (in hours) For a defined contribution plan, the number of sponsoring entity common stock shares included in plan assets. Defined Contribution Plan Assets Entity Common Stock Chemung common stock included in defined contribution plan assets (in shares) Defined Contribution Plan [Abstract] Defined contribution plan [Abstract] Amount of increase in plan's total unrecognized net loss threshold for benefit obligation amortization. Total Unrecognized Net Loss Increased Percentage of Obligation Amortization Threshold Unrecognized net loss increase threshold percentage for amortization of obligation (in hundredths) For a defined benefit plan self insured health care plan, the retiree premium contribution percentage for those in a specific geographic area covered under PPO provider. Defined Benefit Plan Self Insured Health Care Plan New York Area Premium Requirement Required premium in New York area under Medicare Blue PPO (in hundredths) For a defined benefit plan, a retiree age eligibility, prior to a plan amendment. Defined Benefit Plan Retiree Age Eligibility Prior to Amendment Retiree age eligibility, prior to amendment For a defined benefit plan self insured health care plan, the employee contribution percentage prior to plan amendment. Defined Benefit Plan Self Insured Health Care Plan Employee Contribution Prior to Amendment Self insured health care plan employee contribution prior to plan amendment (in hundredths) For a defined benefit plan, a retiree age eligibility. Defined Benefit Plan Retiree Age Eligibility For a defined benefit plan self insured health care plan, the Medicare supplemental plan C contribution percentage. Defined Benefit Plan Self Insured Health Care Plan Medicare Supplement Plan C Contribution Self insured health care plan Medicare Supplement Plan C contribution (in hundredths) Defined Benefit Plan, Description [Abstract] Ownership interests or the right to acquire ownership interests in corporations and other legal entities, outside of the domicile of reporting entity's country, which ownership interest is represented by shares of common or preferred stock (which is neither mandatorily redeemable nor redeemable at the option of the holder), convertible securities, stock rights, or stock warrants categorized by other type not specified in taxonomy. Equity Securities International [Member] Equity Securities - International companies [Member] Equity securities classified as Mid-sized Capitalization Domestic. Mid Cap Domestic Equities [Member] Mid-Cap Domestic Equities [Member] Equity securities classified as International issues. International Equities [Member] Equity securities classified as Small Capitalization Domestic. Small Cap Domestic Equities [Member] Small-Cap Domestic Equities [Member] Ownership interests or the right to acquire ownership interests in corporations and other legal entities, within the domicile of reporting entity's country, which ownership interest is represented by shares of common or preferred stock (which is neither mandatorily redeemable nor redeemable at the option of the holder), convertible securities, stock rights, or stock warrants categorized by other type not specified in taxonomy. Equity Securities Domestic [Member] Equity Securities - U.S. companies [Member] Represents the alternative assets in which entity invests. Alternative Assets [Member] Investment securities classified as Intermediate Fixed Income. Intermediate Fixed Income [Member] Equity securities classified as Large Capitalization Domestic. Large Cap Domestic Equities [Member] Large-Cap Domestic Equities [Member] Refers to the average future working lifetime of active participants. Average future working lifetime of active participants Average future working lifetime of active participants Refers to the balance in the plan which was expensed during the period. Balance in the plan Percentage as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return on plan assets is determined based on the expected long-term rate of return on plan assets and the market-related value of plan assets. Defined Benefit Plan Weighted Average Expected Return On Plan Assets Expected Long-Term Rate of Return (in hundredths) For a defined benefit plan, description of the evaluation period for expected long-term return on plan assets. Defined Benefit Plan Expected Long Term Return on Plan Assets Evaluation Period, Description Expected long-term return on plan assets evaluation frequency, description Year the ultimate health care cost trend rate is expected to be reached in the calculation of benefit obligations, in CCYY format. Defined Benefit Plan Year That Rate Reaches Ultimate Trend Rate Obligation Year ultimate cost trend reached The ultimate trend rate for health care costs used in the calculation of benefit obligations. Defined Benefit Plan Ultimate Health Care Obligation Cost Trend Rate Health care cost trend: Ultimate (in hundredths) The assumed health care cost trend rate for the next year used to measure the expected obligation for the 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. Defined Benefit Plan Health Care Cost Trend Rate Assumed Obligation For Next Fiscal Year Health care cost trend: Initial (in hundredths) For a defined benefit plan, the basis final years of employment compensation to average for benefit formula application. Defined Benefit Plan Basis Final Years Of Employment Basis average final years of employment, for benefit formula A component of an entity and all major revenue and assets of the company belongs to that component of entity. Core Banking [Member] Core Banking [Member] Wealth Management Group Services Wealth Management Group Services [Member] The registrant that hold or control directly or indirectly other entity. Holding company and other [Member] Holding Company and Other [Member] Number of primary business segments through which company manages its operations. Number of primary business segment This element represents total gains or losses for the period (realized and unrealized), arising from assets measured at fair value on a recurring basis using unobservable inputs (Level 3), which are included in Income on securities or resulted in a change in net asset value. Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Gain Loss Included In Earnings in income on securities Loss on securities Included in earnings [Abstract] Included in earnings [Abstract] realized and unrealized gains losses [Abstract] Total gains/losses (realized/unrealized) [Abstract] This item represents a description of the inputs and the information used to develop the inputs for fair value measurement using significant unobservable inputs (Level 3) as applied to the identified [major] category of asset or liability. Fair Value Measurements, Unobservable Inputs One, Description Unobservable input 1 This item represents a description of the inputs and the information used to develop the inputs for fair value measurement using significant unobservable inputs (Level 3) as applied to the identified major category of asset or liability. Fair Value Measurements, Unobservable Inputs Two, Description Unobservable input 2 Information related to Level 3 non recurring fair value measurement [Abstract] Information related to Level 3 non-recurring fair value measurement [Abstract] Refers to the Trading Assets of Fair value. Trading assets Trading assets Federal Reserve Bank stock represents an equity interest in the Federal Reserve Bank and Federal Home Loan Bank (FHLB) stock represents an equity interest in in a FHLB. They do not have a readily determinable fair values because ownership is restricted and it lacks a market (liquidity). Federal Home Loan Bank And Federal Reserve Bank Stock At Cost Federal Home Loan and Federal Reserve Bank Stock The amount of money in accounts that may bear interest and that the depositor is entitled to withdraw at any time without prior notice. Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs). Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts. Demand savings and insured money market accounts Demand, savings, and insured money market accounts 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 loan receivable as presented on the statement of financial position, for the commercial and industrial sector which are due the Company as of the balance sheet date. Commercial and industrial loans, fair value disclosure 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 loan receivable as presented on the statement of financial position, for the commercial mortgages loans not other wise disclosed which are due the Company as of the balance sheet date. Commercial mortgage loans other, fair value disclosure Refers to Home equity lines & loans. Home equity lines & loans Home equity lines and 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 loan receivable as presented on the statement of financial position, for the commercial mortgages loans in the Residential mortgages sector which are due the Company as of the balance sheet date. Commercial mortgage loans, residential mortgages, fair value Commercial Mortgage Loans, Residential mortgages, Fair Value Consumer loans: [Abstract] Consumer loans: Impaired Loans [Abstract] Carrying value of impaired loan measured for impairment using the fair value of the collateral for collateral. Carrying amount of impaired loans Carrying amount of impaired loans Net carrying value of OREO at balance sheet date. Other real estate owned carrying value net OREO - Other real estate owned carrying value, net Fair Value Assets And Liabilities Measured On Non Recurring Basis [Abstract] Fair value assets and liabilities measured on non recurring basis [Abstract] 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 corporate stocks as of the balance sheet date which have been categorized as available-for-sale. Corporate stocks, Fair Value Disclosure Corporate stocks Refers to the Other real estate owned member. Other real estate owned [Member] Refers to the Impaired loans member. Impaired Loans [Member] Impaired Loans [Member] 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 states and political subdivisions as of the balance sheet date which have been categorized as available-for-sale. Obligations of states and political subdivisions, Fair Value Disclosure Obligations of states and political subdivisions 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 trust preferred securities as of the balance sheet date which have been categorized as available-for-sale. Trust preferred securities, Fair Value Disclosure 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 corporate bonds and notes as of the balance sheet date which have been categorized as available-for-sale. Corporate bonds and notes, fair value disclosure Corporate bonds and notes 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 investments in Obligations of U.S. Government and U.S. Government sponsored enterprises as of the balance sheet date which have been categorized as available-for-sale. Obligations of U.S. Government and U.S. Government sponsored enterprises, Fair Value Disclosure Obligations of U.S. Government and U.S. Government sponsored enterprises 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 collateralized mortgage obligations, as of the balance sheet date which have been categorized as available-for-sale. Collateralized mortgage obligations, Fair Value Disclosure Collateralized mortgage obligations 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 small business administration pool loans as of the balance sheet date which have been categorized as available-for-sale. Small Business Administration Pool Loans, Fair ValueDisclosure SBA loan pools Fair Value By Grouping Methodology Financial Assets [Abstract] Financial Assets [Abstract] This item represents the amount of assets or liabilities, including [financial] instruments that are classified in stockholders' equity, which are measured at fair value on either a recurring or nonrecurring basis and fall within three level of the fair value. Number of levels 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 loan receivable as presented on the statement of financial position, for the home equity lines and loans not other wise disclosed which are due to the Company as of the balance sheet date. Home equity lines and loans, fair value disclosure Amount after tax, before reclassification adjustments of other comprehensive income (loss). Other Comprehensive Income (Loss), before Reclassifications, Net of Tax Other comprehensive income before reclassification Amount after tax of reclassification adjustments of other comprehensive income (loss). Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax Amounts reclassified from accumulated other comprehensive income Identifies item reclassified out of accumulated other comprehensive income (loss). Reclassification out of Accumulated Other Comprehensive Income [Member] Item reclassified out of accumulated other comprehensive income (loss). Reclassification out of Accumulated Other Comprehensive Income [Domain] Information by item reclassified out of accumulated other comprehensive income (loss). Reclassification out of Accumulated Other Comprehensive Income [Axis] Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items] Accumulated other comprehensive income (loss) related to gain (loss) component of pension and other postretirement defined benefit plans. Accumulated Defined Benefit Plans Adjustment Net Unamortized Gain Loss [Member] Actuarial Losses [Member] Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Accumulated Other Comprehensive Income Loss [Line Items] Accumulated other comprehensive (income) loss related to prior service cost (credit) component of pension and other postretirement defined benefit plans. Accumulated Defined Benefit Plans Adjustment Net Prior Service Cost Credit [Member] Prior Service Costs [Member] Disclosure of information about components of accumulated other comprehensive income (loss). Accumulated Other Comprehensive Income (Loss) [Table] Disclosure of information about items reclassified out of accumulated other comprehensive income (loss). Reclassification Out Of Accumulated Other Comprehensive Income [Table] Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward] Financial instruments or contractual agreements with a fixed interest rate. Fixed interest rate [Member] Financial instruments or contractual agreements with a variable interest rate. Variable interest rate [Member] Description of interest rate type for financial instruments. Interest rate type [Domain] Objections to final settlement of trust account filed by individuals who are beneficiaries under the trusts, objecting to the final settlement of the trust accounts. Objections to Final Settlement of Trust Account One [Member] Refer to interest rate on commitments to make loans. Interest rate on commitments to make loans Interest rate on commitments to make loans (in hundredths) Represents the period, for which commitments are generally made to make commercial drawnotes. Commitments period to make commercial draw notes Commitments period to make commercial draw notes For off-balance sheet financial instruments, the standard term for the agreement. Fair Value Off Balance Sheet Risks Financial Instrument Standard Term Off-balance sheet financial instruments, standard term Represents the period, for which commitments are generally made to make real estate and home equity loans. Commitments period to make Real Estate and Home Equity loans Commitments period to make real estate and home equity loans Objections to final settlement of trust account filed by individuals who are beneficiaries under the trusts, objecting to the final settlement of the trust accounts. Objections to Final Settlement of Trust Account Two [Member] Refer to interest rate on commitments to make commercial draw notes. Interest rate on commitments to make commercial draw notes Interest rate on commitments to make commercial drawnotes (in hundredths) Description of interest rate type for financial instruments. Interest rate type [Axis] Refers to maturity period of commitments to make loans. Maturity period of commitments to make loans Number of lawsuits the Company is involved in. Loss Contingency, Number of Lawsuits Number of legal proceedings Restricted stock activity Weighted Average Grant Date Fair Value [Abstract] Weighted Average Grant Date Fair Value [Abstract] Restricted stock activity shares [Abstract] Restricted Stock Activity - Shares [Abstract] Value of treasury stock issued during the period for directors' compensation. Distribution Of Shares Of Treasury Stock For Directors Compensation Value Stock Comp Period of service of a comparable group or grouping used in a determination to determine share based compensation awards. This period may be explicit or implicit based on the terms of the award, and may be presented in a variety of ways (for example, year, month and year, day, month and year, quarter of a year). Share Based Compensation Award Criteria Service Period Of Comparable Group Service period for comparable group used to determine share based payment awards Number of treasury shares (units) reissued during the period to fund stock component of director compensation. Number of tresury shares reissued to fund stock component of director compensation Number of treasury shares reissued to fund stock component of director compensation (in shares) Board of Director's Stock Compensation [Abstract] Amount represents new related party loans. New loans or additional advances Related Parties New loans or additional advances For a specific identified set of standards, the related parties as a group of an entity (such as, Board of Directors, officers, immediate family members, principal owners and certain customers). Identified Related Party Group [Member] Identified related party group [Member] Principal officers, directors and affiliates as related parties to the entity. Principal officers, directors and affiliates [Member] For a designation as a related party, the threshold percentage of principal ownership in an entity, above which the party is considered a related party.. Related Party Principal Ownership Threshold Related party principal ownership threshold (in hundredths) Amount represents repayment of related loans. Repayments on Loans Related Parties Repayments Loans to Related Parties [Roll Forward] Represents a subset of a class of financing receivables that have an allowance related to the impaired receivables. With Allowance Recorded [Member] Represents a subset of a class of financing receivables that have no related allowance recorded related to the impaired receivables. With no related allowance recorded [Member] Represents a subset of a class of financing receivables for related allowances status for impaired receivables. Impaired Financing Receivable Related Allowance status [Domain] Attributes of financing receivables classified as impaired with status of allowance related to the receivables by class of financing receivable. Impaired Financing Receivable Related Allowance Status [Axis] Class of financing receivables related to direct consumer loans. Direct consumer loans [Member] Direct consumer loans [Member] Represents income accretion on certain loans acquired in transfer not accounted for as debt securities cash flows expected to be collected. Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Cash Flows Expected to be Collected Income Accretion Cash flows expected to be collected, income accretion Represents income accretion on certain loans acquired in transfer not accounted for as debt securities contractually required payments receivable at fair value. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Contractually Required Payments Receivable At Fair Value Income Accretion Fair value of loans acquired with deteriorating credit quality, income accretion Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Contractually Required Payments Receivable Other Adjustments Contractually required principal and interest, all other adjustments Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities contractually required payments receivable at fair value. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Contractually Required Payments Receivable At Fair Value Other Adjustments Fair value of loans acquired with deteriorating credit quality, all other adjustments Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities cash flows not expected to be collected. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Other Adjustments Interest component of expected cash flows (accretable yield), all other adjustments Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities cash flows expected to be collected. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Cash Flows Expected To Be Collected Other Adjustments Cash flows expected to be collected, all other adjustments Represents income accretion on certain loans acquired in transfer not accounted for as debt securities cash flows not expected to be collected. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Cash Flows Not Expected to be collected Income Accretion Contractual cash flows not expected to be collected (nonaccretable discount), income accretion Represents income accretion on certain loans acquired in transfer not accounted for as debt securities contractually required payments receivable. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Contractually Required Payments Receivable Income Accretion Contractually required principal and interest, income accretion Represents other adjustments on certain loans acquired in transfer not accounted for as debt securities cash flows not expected to be collected. Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Cash Flows Not Expected To Be Collected Other Adjustments Contractual cash flows not expected to be collected (nonaccretable discount), all other adjustments A category of financing receivables that are not rated as pass, special mention, substandard, doubtful. Not Rated [Member] The amount of finance receivable related to residential and consumer loans receivable.. Residential and consumer loans receivable Residential And Consumer Finance Receivable [Abstract] Residential and consumer finance receivable [Abstract] Finance Receivable By Credit Quality Indicator [Abstract] Finance receivable by credit quality indicator [Abstract] The balance of financing receivables that were acquired with deteriorated credit quality. Loans Acquired With Deteriorated Credit quality [Member] Loans Acquired with deteriorated credit quality [Member] 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 30-89 Days Past Due Tabular disclosure for balance of financing receivables and allowances for credit losses that were evaluated for impairment. Financing Receivable And Allowance For Credit Losses Evaluated For Impairment [Table Text Block] Allowance for loan losses and the recorded investment in loans based on impairment method Tabular disclosure of residential and consumer receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of residential and consumer 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. Residential and Consumer Receivable Credit Quality Indicators [Table Text Block] Recorded investment in residential and consumer loans based on payment activity Total period of history of net loss used for classifying loans. Period of history of net loss Period of historical loss factor for substandard classification, but not impaired Financing Receivable Allowance For Credit Losses Individually And Collectively Evaluated For Impairment [Abstract] Allowance balance attributable to recorded investments [Abstract] A valuation allowance for financing receivables that are expected to be uncollectible net off charge off. Financing Receivable Allowance For Credit Losses net charge off Net recoveries (charge offs) Represents reclassification of acquired loan discount. Reclassification of Acquired Loan Discount Financing Receivable Allowance For Credit Losses evaluated for impairment [Abstract] Allowance for loan losses [Abstract] Financing Receivable Allowance For Finance Receivable Evaluated For Impairment [Abstract] Loans [Abstract] Number of financing receivables that have been modified by troubled debt restructurings during the period. Financing Receivable, Modifications, Number of Contracts, During the Period Number of Loans Amount of investment in financing receivables (before modification) modified by troubled debt restructurings during the period. Financing Receivable, Modifications, Pre-Modification Recorded Investment, During the Period Pre-Modification outstanding recorded investment Amount of investment in financing receivables (after modification) modified by troubled debt restructurings during the period. Financing Receivable, Modifications, Post-Modification Recorded Investment, During the period Post-Modification outstanding recorded investment Loans by class modified as troubled debt restructurings [Abstract] Following a troubled debt restructuring modification, the period in which no further default payments were made. Period after modification where no defaults payment made Period after troubled debt restructuring modification where no default payments made Refers to specific reserves to customers whose loan terms have been modified in troubled debt restructurings which are included in non-accrual loans. Troubled debt restructuring reserve The Corporation has committed to lend additional amounts to customers with outstanding loans that are classified as troubled debt. Loans committed to customers with loans classified as TDR A loan is considered to be in payment default once it is a specific number of days contractually past due. Number of days past due after which loan considered as payment default Number of days past due after which loan considered as payment default Trouble debt restructurings [Abstract] Class of financing receivables related to agricultural financing receivables. Agricultural [Member] Class of financing receivables related to commercial and industrial financing receivables. Commercial and industrial [Member] Class of financing receivables related to commercial mortgage financing receivables. Commercial mortgages [Member] Commercial Mortgages [Member] Class of financing receivables related to home equity lines and loans. Home equity lines and loans [Member] Home equity lines and loans [Member] Consumer loans obtained by a third party originator. Indirect consumer loans [Member] Indirect consumer loans [Member] Itemization of the various types of receivable . Loan And Financing Receivable [Domain] Loan and Financing Receivable [Domain] Recorded investment in financing receivables by classes of financing receivables. Loan And Financing Receivable [Axis] Loan and Financing Receivable [Axis] This element represents the amount of commercial financial and agricultural loans receivable as of the balance sheet date. Commercial financial and agricultural [Member] Commercial and Agricultural [Member] Tabular representation of Federal Home Loan Bank advances, including maturities, amounts, interest rate, maturity dates and other disclosures. Scheduled of Federal Home Loan Bank advances [Table Text Block] Schedule of Federal Home Loan Bank advances 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 Advances Maturing March 4, 2014 [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 loan. Federal Home Loan Bank Advances Maturing January 20, 2014 [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 Advances Maturing January 19, 2014 [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 Advances Maturing April 1, 2014 [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 Advances Maturing April 1, 2013 [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 Advances Maturing June 18, 2014 [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 Advances Maturing October 2, 2013 [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 Advances Maturing March 4, 2013 [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 Advances Maturing May 20, 2013 [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 Advances Maturing October 20,2014 [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 Advances Maturing January 22, 2013 [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 Advances Maturing December 22, 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 Advances Maturing October 2, 2014 [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 Advances Maturing December 4, 2017 [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 Advances Maturing October 19, 2017 [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 Advances Maturing January 2, 2018 [Member] Discloses the earliest year of maturity for the advances from the Federal Home Loan Bank, by branch, as of the Balance Sheet date. Federal Home Loan Bank Advances Maturing Call date Call Date Date when the advance is scheduled to be fully repaid, in CCYY-MM-DD format. Federal Home Loan Bank Advances Maturity Date Maturity Date Disclosure of accounting policy for establishing and maintaining Federal Home Loan Bank and Federal Reserve Bank stock. FEDERAL HOME LOAN BANK (FHLB) AND FEDERAL RESERVE BANK (FRB) STOCK [Policy Text Block] FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK Disclosure of accounting policy related to acquired loans which are categorized and recorded as non-impaired acquired loans and purchased credit impaired loans. ACQUIRED LOANS [Policy Text Block] ACQUIRED LOANS Disclosure of accounting policy for establishing and maintaining other financial instruments. Other Financial Instruments [Policy Text Block] OTHER FINANCIAL INSTRUMENTS Average interest rate paid during year on assets under repurchase agreement. Average interest rate paid during year Average interest rate paid during period (in hundredths) Weighted-average interest rate at period end on assets under repurchase agreements. Weighted average interest rate period end Weighted-average interest rate, period end (in hundredths) Average balance over period for the carrying value as of the balance sheet date of securities that an institution sells and agrees to repurchase (the identical or substantially the same securities) as a seller-borrower at a specified date for a specified price, also known as a repurchase agreement, or repo. Most repos involve obligations of the federal government or its agencies, but other financial instruments, such as commercial paper, banker's acceptances, and negotiable certificates of deposit, are sometimes used in repos. Securities sold under repurchase agreements average balance during year Average balance during year Maximum month end carrying value as of the balance sheet date of securities that an institution sells and agrees to repurchase (the identical or substantially the same securities) as a seller-borrower at a specified date for a specified price, also known as a repurchase agreement, or repo. Most repos involve obligations of the federal government or its agencies, but other financial instruments, such as commercial paper, banker's acceptances, and negotiable certificates of deposit, are sometimes used in repos. Securities Sold Under Agreements To Repurchase, Maximum month end balance Maximum month-end balance Summary of securities sold under agreements to repurchase [Abstract] For securities sold under repurchase agreements, interest accrued on interest earning assets that has not yet been received as of the balance sheet date. Securities Sold Under Repurchase Agreements Accrued Interest Receivable Accrued interest receivable included in fair value of repurchase agreements Period of maturity for a group of securities or other assets sold under repurchase agreements which mature within 90 days from the reporting date. Maturity within 90 Days [Member] Within 90 days [Member] Weighted average remaining contractual term for assets sold under repurchase agreements outstanding and currently exercisable or convertible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Securities Sold Under Repurchase Agreements Weight Average Remaining Term to Maturity Weight average remaining term to maturity Information by securities or other assets sold under repurchase agreements, which do not include a call provision. Without Call Provisions [Member] Period of maturity for a group of securities or other assets sold under repurchase agreements which mature after five years but within ten years from the reporting date. After five years but within ten years [Member] Period of maturity for a group of securities or other assets sold under repurchase agreements which mature after one year but within five years. After one year but within five years [Member] This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized as either held-to-maturity or available for sale securities. Available for sale and held to maturity Securities Continuous Unrealized Loss Position Aggregate Losses One Unrealized Losses This item represents the aggregate fair value of investments in debt and equity securities categorized as either held-to-maturity available or available for sale that have been in a continuous unrealized loss position for twelve months or longer. Available For Sale Securities and held to maturity Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value 12 months or longer - Fair Value This item represents the excess of amortized cost basis over fair value of securities that have been in a loss position for less than twelve months for those securities which are categorized as either held-to-maturity or available for sale. Available for sale and held to maturity Securities Continuous Unrealized Loss Position Less Than twelve Months Aggregate Losses1 Less than 12 months - Unrealized Losses This item represents the aggregate fair value of investments in debt and equity securities categorized either as held-to-maturity or available-for-sale that have been in a continuous unrealized loss position for less than twelve months. Available For Sale and held to maturity Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value Less than 12 months - Fair Value Less than 12 months continuous unrealized loss [Abstract] Continuous unrealized loss securities, 12 months or less [Abstract] This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized as either held-to-maturity or available for sale securities. Available For Sale and held to maturity Securities Continuous Unrealized Loss Position Fair Value Fair Value Total unrealized Losses [Abstract] Securities with continuous unrealized losses, Total [Abstract] Book value of securities representing investments in pooled trust preferred securities which are categorized neither as held-to-maturity nor trading, which are specifically analyzed for currently performing collateral. Book value of Pooled trust preferred security analyzed for currently performing collateral Book value of Pooled trust preferred security analyzed for currently performing collateral Information related to the pooled trust preferred security [Abstract] Information related to the pooled trust preferred security [Abstract] This element represents total gains or losses for the period (realized and unrealized), arising from assets measured at fair value on a recurring basis using unobservable inputs (Level 3), which are included in impairment charge on investment securities or resulted in a change in net asset value. Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Gain Loss Included In Earnings in impairment charge on investment securities Impairment charge on investment securities Impairment charge on investment securities Other than temporary impairment [Abstract] Other than temporary impairment [Abstract] This item represents the excess of amortized cost basis over fair value of securities that have been in a loss position for twelve months or longer for those securities which are categorized as either held-to-maturity or available for sale securities. Available for sale and held to maturity Securities Continuous Unrealized Loss Position Twelve Months Or Longer Aggregate Losses1 12 months or longer - Unrealized Losses 12 months or longer Unrealized Losses [Abstract] Continuous unrealized loss securities, 12 months or more [Abstract] Available For Sale and held to maturity Securities Continuous Unrealized Loss Position [Abstract] Available for sale and held to maturity securities continuous unrealized loss position [Abstract] Provide general categories of investments for which information is required or determined to be disclosed. Available For Sale Securities And Held To Maturity Major Types Of Debt And Equity Securities [Domain] Available for Sale Securities and Held to Maturity Major Types of Debt and Equity Securities [Domain] Specific issuance of preferred securities that embody an unconditional obligation requiring the issuer to redeem the securities by transferring the assets at a specified or determinable date (or dates) or upon an event that is certain to occur, that are issued by a consolidated trust to outside investors where the trust uses the proceeds of the issuance of those securities to purchase, from the financial institution that established the trust, an equivalent amount of junior subordinated debentures or other loans having stated maturities. TPREF Funding II, Ltd. (Class B) [Member] Available For Sale fair value [Abstract] Available-for-sale Securities, Maturities - Fair Value [Abstract] Held to maturity Amortized Cost [Abstract] Held to maturity securities, Amortized Cost [Abstract] Held To MaturityF air Value [Abstract] Held To Maturity, Maturities - Fair Value [Abstract] Securities Classified by Debt Maturities [Abstract] Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Investment Classified By Contractual Maturity Date [Line Items] This element represents a number of concepts which capture the general categories of investments which may be classified as Available-for-sale and held to maturity. The information required and determined to be disclosed concerning Available-for-sale Securities may be organized in relation to these categories or to additional categories or specific debt and equity investments which are categorized as Available-for-sale and not otherwise captured by the categories provided. Schedule Of Available For Sale Securities and held to maturity Major Types Of Debt And Equity Securities [Axis] Schedule of Available for Sale Securities and Held to Maturity Major Types of Debt and Equity Securities [Axis] Schedule of maturities of an entity's investments as well as any other information pertinent to the investments. Investment Classified By Contractual Maturity Date [Table] Investment Classified by Contractual Maturity Date [Table] This item represents the tax expense on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities. Tax Expense From Sale Of Available For Sale Securities Debt Tax (benefit) expense This item represents an increase to the cumulative amount of credit losses recognized in earnings for an other than temporary impairment (OTTI) of a debt security held for which other than temporary impairment (OTTI) was previously recognized. Other Than Temporary Impairment Credit Losses Recognized In Earnings Additions when Impairment recognized previously Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table. Schedule Of Available For Sale And Held To Maturity Securities [Line Items] Schedule of Available for Sale and Held to Maturity Securities [Line Items] Table showing available-for-sale and held-to-maturity securities in continuous Unrealized loss position. Available For Sale Securities And Held To Maturity Securities Continuous Unrealized Loss Position [Table] Available for Sale Securities and Held to Maturity Securities Continuous Unrealized Loss Position [Table] Additions /Subtractions [Abstract] Additions/Subtractions [Abstract] This item represents an reduction of cumulative amount of credit losses realized on securities sold during the period. Other than temporary impairment reductions for previous credit losses realized on securities sold Reductions for previous credit losses realized on securities sold during the year Purchase accounting adjustment related to loans acquired in merger. Deferred Tax Assets Purchase Accounting Adjustment Loans Purchase accounting adjustment - loans Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains on securities available for sale. Deferred Tax Liabilities Net unrealized gains on securities available for sale Net unrealized gains on securities available for sale Deferred tax asset due to purchase accounting adjustment for deposits acquired in merger. Deferred Tax Asset Purchase Accounting Adjustment Deposits Purchase accounting adjustment - deposits Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from directors' compensation. Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Directors Compensation Deferred compensation and directors' fees The entire disclosure for restrictions on cash and due from bank accounts. Restrictions On Cash And Due From Bank Accounts [Text Block] RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS [Abstract] Tabular disclosure of maturities of an entity's securities held to maturity. Securities Held To Maturity Classified by Contractual Maturity Date [Table Text Block] Contractual maturities of securities held to maturity Tabular disclosure of maturities of an entity's securities available for sale. Securities Available For Sale Classified by Contractual Maturity Date [Table Text Block] Amortized cost and estimated fair value of debt securities available for sale by contractual maturity Shareholders equity amount, stated as a percentage, which is not exceeded by securities of a single issuer. Shareholders equity percentage not exceeded by securities of a single issuer Shareholders' equity percentage not exceeded by securities of a single issuer Amortized cost of financial instrument held by the entity for its own account (proprietary securities) for trading or investment purposes that are pledged to counterparties as collateral for financing transactions. Security Owned and Pledged as Collateral, Amortized Cost Amortized Cost Time deposits with other financial institutions. Time deposits with other financial institutions [Member] Held to maturity Securities, Amortized Cost and fair value Basis [Abstract] Held to maturity securities, amortized cost and fair value basis [Abstract] Available For Sale Securities Amortized Cost Basis and fair value [Abstract] Available for sale securities amortized cost and fair value basis [Abstract] Preferred securities, that are issued by a consolidated trust to outside investors where the trust uses the proceeds of the issuance of those securities to purchase, from the financial institution that established the trust, an equivalent amount of junior subordinated debentures or other loans having stated maturities. Trust Preferred securities [Member] Investments in small business loans. SBA Loans [Member] Tabular disclosure of the schedule of maturities of time deposits. Scheduled maturities of time deposits [Table Text Block] Scheduled maturities of time deposits Tabular disclosure of deposit liabilities. Summary of deposits [Table Text Block] Summary of deposits Tabular disclosure of maturities of time deposits in denominations. Maturities of time deposits in denominations [Table Text Block] Maturities of time deposits in denominations Items related to purchased Bank of America. Bank of America [Member] Bank of America [Member] Items related M&T bank branch offices, Canton Bancorp Inc and branches of Bank of America. M T branch offices, Canton Bancorp, Inc. and Branches of Bank of America [Member] M&T branch offices, Canton Bancorp, Inc. and Branches of Bank of America [Member] Percentage of contribution made under self-insure health care plan. Cost of coverage contribution Cost of coverage contribution (in hundredths) Maximum period of credited service considered to apply excess of covered compensation for each year of credited service. Maximum period of credited service Expected vesting percentage of restricted stock award given as share based compensation, commencing with first anniversary. Restricted stock award vesting percentage Restricted stock award vesting percentage (in hundredths) Percentage of contribution cost to be made by retirees, who are going to be continued under the coverage of plan. Contribution cost percentage Contribution cost percentage (in hundredths) Refers to prior period considered in consecutive period of final average compensation. Number of prior years considered in final average compensation The period for covered compensation, which is average of social security taxable wage bases in effect. Covered compensation period Eligible age of current and future retirees to be continued under coverage of plan. Retiree age group range Retiree age group range Refers consecutive period considered in final average compensation. Number of consecutive years considered in final average compensation Percentage of premium to be paid by retiree under self-insure health care plan. Retiree premium percentage Retiree premium percentage (in hundredths) Percentage of contribution made under self-insure health care plan, before amendment. Contribution percentage before amendment Contribution percentage (in hundredths) Minimum age for eligibility for coverage under self-insure health care plan, before amendment. Minimum age for eligibility before amendment Minimum eligible age Percentage of normal retirement benefit in terms of final average compensation resulting from maximum period of 25 years. Normal retirement benefit The annual service period required to get eligible under defined contribution profit sharing, savings and investment plan. Minimum annual service period Average monthly compensation applicable to excess of covered compensation for each year of credited service. Percentage of average monthly compensation Percentage of average monthly compensation (in hundredths) Refers to maximum period considered in final average compensation. Maximum service period Refers to maximum period considered in final average compensation, where additional 1% of average monthly compensation results for each additional year. Maximum service years Percentage of normal retirement benefit in terms of average monthly compensation resulting for each additional year. Normal Retirement Additional Benefit Normal retirement additional benefit (in hundredths) Percentage of premium contribution made under self-insure health care plan. Premium contribution percentage after amendment Contribution percentage after amendment (in hundredths) Items related to purchased Fort Orange Financial Corp. Fort Orange Financial Corp [Member] Refers to Incentive Compensation Plan. Incentive Compensation Plan [Member] WEALTH MANAGEMENT GROUP FEE INCOME [Abstract] Items related to purchased M&T Bank branch offices. M&T Bank branch offices [Member] Service period required in prior years for non-employee directors to be eligible for compensation. Non employee directors service period Items related to purchased Partners Trust Bank. Partners Trust Bank [Member] Items related to purchased Canton Bancorp, Inc. Canton Bancorp, Inc. [Member] Age limit applicable to forfeiture of stock, the stock is to be forfeited if the participant retires early. Age limit for forfeiture of stock award Age limit for forfeiture of stock award Number of trading days considered in valuing common stock . Trading days period Expected vesting percentage of restricted stock award given as share based compensation, commencing from first anniversary to fifty anniversary. Restricted Stock Award Vesting Percentage Total Restricted stock award vesting percentage, total (in hundredths) Maximum annual installments period which can be opted by plan participants under Nonqualified Deferred Compensation Plan. Maximum annual installments period Cash compensation which is paid under incentive compensation plan. Cash compensation Name of the equity-based compensation arrangement plan, which is given to directors. Directors' Compensation Plan [Member] Basis percentage of determined likelihood a tax position would be sustained under tax examination, below which, no tax benefit is recorded. Tax position recognition criteria percentage above which is more likely than not Tax position recognition criteria percentage above which is "more likely than not" (in hundredths) POSTRETIREMENT BENEFITS [Abstract] The cash outflow associated with the acquisition of business during the period. The cash portion only of the acquisition price. Payments to Acquire Businesses 1 Cash paid Bank of America branches The cash inflow associated with the acquisition of business during the period (for example, cash that was held by the acquired business). Cash Acquired from Acquisition, Business 1 Cash received acquisition of Bank of America branches The noncash expense that represents the cost of restricted stock distributed to Directors as compensation. Restricted Stock Expense Directors Deferred Compensation Plan Expense related to restricted stock units for directors' deferred compensation plan The noncash expense that represents the cost of stock distributed to employees as compensation. Expense Related To Employee Stock Compensation Expense related to employee stock compensation The noncash expense that represents the cost of stock awards distributed to employees. Expense Related To Employee Stock Awards Expense related to employee restricted stock awards Adjustments to prepaid FDIC assessments. (Increase) decrease in prepaid FDIC assessment Decrease in prepaid FDIC Assessment Cash Paid During Year For [Abstract] Cash paid during the year for: Total number of shares forfeited related to restricted stock awards. Forfeit of shares of restricted stock awards Forfeit of shares of restricted stock awards (in shares) Number of treasury shares issued during the period for directors' compensation. Distribution Of Shares Of Treasury Stock For Directors Compensation Shares Distribution of shares of treasury stock for directors' compensation (in shares) Number of shares of treasury stock issued during the period for employee restricted stock awards. Distribution Of Treasury Stock For Employee Restricted Stock Awards Shares Distribution of shares of treasury stock granted for employee restricted stock awards (in shares) Number of treasury shares issued during the period for directors' deferred compensation. Distribution Of Shares Of Treasury Stock For Directors Deferred Compensation Shares Distribution of shares of treasury stock for directors' deferred compensation (in shares) Increase and decrease in value of stock units to be issued in the future. Restricted Stock Units For Directors Deferrred Compensation Plan Restricted stock units for directors' deferred compensation plan Value of treasury stock issued during the period for employee restricted stock warrants. Distribution Share Of Treasury Stock For Employee Restricted Stock Warrants Distribution of shares of treasury stock granted for employee restricted stock awards Value of treasury stock issued during the period for directors' compensation. Distribution Of Shares Of Treasury Stock For Directors Compensation Value Distribution of shares of treasury stock for directors' compensation Value of treasury stock issued during the period for directors' deferred compensation. Distribution Of Shares Of Treasury Stock For Directors Deferred Compensation Value Distribution of shares of treasury stock for directors' deferred compensation plan Portion of OTTI losses recognized in other comprehensive income (before taxes). Portion Of Otti Losses Recognized In Other Comprehensive Income Before Taxes Loss recognized in other comprehensive income Expenditures for salaries, incentive and share based compensation. Salaries And Incentive Compensation Salaries and wages Represents the financial gain of property claims arising from a sudden and unexpected event such as an accident. Casualty Gain Casualty gains Net OTTI losses recognized in earnings. Net Otti Losses Recognized In Earnings Net impairment loss recognized in earnings Total other-than-temporary impairment ('OTTI') losses. Total Other Than Temporary Impairment Oiit Losses Total impairment losses Total impairment losses Other Than Temporary Loss On Investment Securities [Abstract] Other-than-temporary loss on investment securities: Amount of payroll tax expense, compensation, postemployment and benefit-related expenses not elsewhere specified in the taxonomy (such as health plan, profit sharing, incentives, tuition reimbursement, other fringe benefits and perquisites) incurred in the period. Pension And Other Employee Benefit Expense Pension and other employee benefits EX-101.PRE 14 chmg-20131231_pre.xml XBRL TAXONOMY PRESENTATION LINKBASE XML 15 R39.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK COMPENSATION (Tables)
 12 Months Ended
Dec. 31, 2013
STOCK COMPENSATION [Abstract]  
Summary of restricted stock activity
A summary of restricted stock activity as of December 31, 2013, and changes during the year ended is presented below:

 
 
Shares
  
Weighted–Average
Grant Date Fair Value
 
Nonvested at December 31, 2012
  
20,009
  
$
23.84
 
Granted
  
8,087
   
32.18
 
Vested
  
(5,660
)
  
23.22
 
Forfeited or Cancelled
  
(1,797
)
  
25.04
 
Nonvested at December 31, 2013
  
20,639
  
$
27.17
 
XML 16 R54.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND ALLOWANCE FOR LOAN LOSSES, ALLOWANCES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: $ 10,432,650 $ 9,659,320 $ 9,498,131
Reclassification of Acquired Loan Discount   123,560  
Charge Offs (1,493,432) (1,272,419) (1,498,557)
Recoveries 1,081,624 1,094,622 701,413
Net recoveries (charge offs) (411,808) (177,797) (797,144)
Provision 2,754,726 827,567 958,333
Ending balance 12,775,568 10,432,650 9,659,320
Allowance balance attributable to recorded investments [Abstract]      
Individually evaluated for impairment - Loan allowances allocated 1,046,022 192,638  
Collectively evaluated for impairment - Loan allowance allocated 10,340,304 9,290,153  
Loans acquired with deteriorated credit quality 1,389,242 949,859  
Total ending allowance balance 12,775,568 10,432,650  
Loans [Abstract]      
Loans acquired with deteriorated credit quality 9,696,496 10,711,533  
Total 998,463,065 895,900,939  
Period of historical loss factor for substandard classification, but not impaired 90 days 90 days  
Commercial and Agricultural [Member]
      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 1,707,596 3,143,373 2,118,299
Reclassification of Acquired Loan Discount   73,229  
Charge Offs (186,045) (180,999) (686,192)
Recoveries 537,476 802,056 423,422
Net recoveries (charge offs) 351,431 621,057 (262,770)
Provision (80,338) (2,130,063) 1,287,844
Ending balance 1,978,689 1,707,596 3,143,373
Allowance balance attributable to recorded investments [Abstract]      
Individually evaluated for impairment - Loan allowances allocated 575,995 133,437  
Collectively evaluated for impairment - Loan allowance allocated 1,402,694 1,459,432  
Loans acquired with deteriorated credit quality 0 114,727  
Total ending allowance balance 1,978,689 1,707,596  
Loans [Abstract]      
Loans individually evaluated for impairment 2,945,524 1,907,395  
Loans collectively evaluated for impairment 142,107,931 131,045,609  
Loans acquired with deteriorated credit quality 678,383 1,241,418  
Total 145,731,838 134,194,422  
Commercial Mortgages [Member]
      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 4,427,698 2,570,149 2,575,058
Reclassification of Acquired Loan Discount   50,331  
Charge Offs (44,049) (335,093) (19,206)
Recoveries 97,953 54,637 40,717
Net recoveries (charge offs) 53,904 (280,456) 21,511
Provision 1,761,394 2,087,674 (26,420)
Ending balance 6,242,996 4,427,698 2,570,149
Allowance balance attributable to recorded investments [Abstract]      
Individually evaluated for impairment - Loan allowances allocated 466,055 59,201  
Collectively evaluated for impairment - Loan allowance allocated 4,407,377 3,533,365  
Loans acquired with deteriorated credit quality 1,369,564 835,132  
Total ending allowance balance 6,242,996 4,427,698  
Loans [Abstract]      
Loans individually evaluated for impairment 10,702,816 10,620,274  
Loans collectively evaluated for impairment 354,636,380 301,172,164  
Loans acquired with deteriorated credit quality 8,756,562 9,225,847  
Total 374,095,758 321,018,285  
Residential Mortgages [Member]
      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 1,565,571 1,309,649 1,301,780
Reclassification of Acquired Loan Discount   0  
Charge Offs (124,277) (82,442) (67,333)
Recoveries 65,180 0 44,953
Net recoveries (charge offs) (59,097) (82,442) (22,380)
Provision 10,418 338,364 30,249
Ending balance 1,516,892 1,565,571 1,309,649
Allowance balance attributable to recorded investments [Abstract]      
Individually evaluated for impairment - Loan allowances allocated 0 0  
Collectively evaluated for impairment - Loan allowance allocated 1,497,214 1,565,571  
Loans acquired with deteriorated credit quality 19,678 0  
Total ending allowance balance 1,516,892 1,565,571  
Loans [Abstract]      
Loans individually evaluated for impairment 117,278 131,909  
Loans collectively evaluated for impairment 196,146,739 200,622,600  
Loans acquired with deteriorated credit quality 261,551 244,268  
Total 196,525,568 200,998,777  
Consumer Loans [Member]
      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 2,705,639 2,192,729 2,727,022
Reclassification of Acquired Loan Discount   0  
Charge Offs (1,139,061) (673,885) (725,826)
Recoveries 381,015 237,929 192,321
Net recoveries (charge offs) (758,046) (435,956) (533,505)
Provision 1,089,398 948,866 (788)
Ending balance 3,036,991 2,705,639 2,192,729
Allowance balance attributable to recorded investments [Abstract]      
Individually evaluated for impairment - Loan allowances allocated 3,972 0  
Collectively evaluated for impairment - Loan allowance allocated 3,033,019 2,705,639  
Loans acquired with deteriorated credit quality 0 0  
Total ending allowance balance 3,036,991 2,705,639  
Loans [Abstract]      
Loans individually evaluated for impairment 130,929 0  
Loans collectively evaluated for impairment 281,978,972 239,689,455  
Loans acquired with deteriorated credit quality 0 0  
Total 282,109,901 239,689,455  
Unallocated [Member]
      
Allowance for loan losses, by portfolio segment [Roll Forward]      
Beginning balance: 26,146 443,420 775,972
Reclassification of Acquired Loan Discount   0  
Charge Offs 0 0 0
Recoveries 0 0 0
Net recoveries (charge offs) 0 0 0
Provision (26,146) (417,274) (332,552)
Ending balance 0 26,146 443,420
Allowance balance attributable to recorded investments [Abstract]      
Individually evaluated for impairment - Loan allowances allocated 0 0  
Collectively evaluated for impairment - Loan allowance allocated 0 26,146  
Loans acquired with deteriorated credit quality 0 0  
Total ending allowance balance $ 0 $ 26,146  
XML 17 R48.htm IDEA: XBRL DOCUMENT v2.4.0.8
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Segment
Dec. 31, 2012
INCOME TAXES [Abstract]    
Tax position recognition criteria percentage above which is "more likely than not" (in hundredths) 50.00%  
WEALTH MANAGEMENT GROUP FEE INCOME [Abstract]    
Assets under management, carrying amount $ 1,888,000,000 $ 1,735,000,000
Defined Benefit Plan Disclosure [Line Items]    
Normal retirement benefit 1.20%  
Number of consecutive years considered in final average compensation 5 years  
Number of prior years considered in final average compensation 10 years  
Maximum service period 25 years  
Normal retirement additional benefit (in hundredths) 1.00%  
Maximum service years 35 years  
Percentage of average monthly compensation (in hundredths) 0.65%  
Maximum period of credited service 35 years  
Covered compensation period 35 years  
Minimum annual service period 1000 hours  
Minimum eligible age 55 years  
Contribution percentage (in hundredths) 40.00%  
Retiree premium percentage (in hundredths) 100.00%  
Cost of coverage contribution (in hundredths) 50.00%  
Contribution percentage after amendment (in hundredths) 50.00%  
Contribution cost percentage (in hundredths) 50.00%  
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Restricted stock award vesting percentage (in hundredths) 20.00%  
Restricted stock award vesting percentage, total (in hundredths) 100.00%  
Age limit for forfeiture of stock award 65 years  
Non employee directors service period 12 months  
Trading days period 30 days  
Cash compensation 300,000  
Maximum annual installments period 10 years  
Segment Reporting [Abstract]    
Number of operating segments 2  
M&T Bank branch offices [Member]
    
Intangible Assets [Abstract]    
Intangible assets with definite useful lives - from business purchases 86,862  
Partners Trust Bank [Member]
    
Intangible Assets [Abstract]    
Intangible assets with definite useful lives - from business purchases 2,719,873  
Finite-lived intangible asset, useful life 15 years  
Canton Bancorp, Inc. [Member]
    
Intangible Assets [Abstract]    
Intangible assets with definite useful lives - from business purchases 17,547  
Fort Orange Financial Corp [Member]
    
Intangible Assets [Abstract]    
Intangible assets with definite useful lives - from business purchases 1,443,014  
Finite-lived intangible asset, useful life 10 years  
Bank of America [Member]
    
Intangible Assets [Abstract]    
Intangible assets with definite useful lives - from business purchases $ 2,109,781  
M&T branch offices, Canton Bancorp, Inc. and Branches of Bank of America [Member] | Core deposit intangibles [Member]
    
Intangible Assets [Abstract]    
Finite-lived intangible asset, useful life 7 years 3 months  
M&T branch offices, Canton Bancorp, Inc. and Branches of Bank of America [Member] | Customer relationship intangibles [Member]
    
Intangible Assets [Abstract]    
Finite-lived intangible asset, useful life 7 years  
Directors' Compensation Plan [Member] | Director [Member]
    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Number of shares authorized per calendar year (in shares) 20,000  
Incentive Compensation Plan [Member]
    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Number of shares authorized per calendar year (in shares) 10,000  
Restricted Stock [Member]
    
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]    
Number of shares authorized per calendar year (in shares) 15,000  
Minimum [Member]
    
Defined Benefit Plan Disclosure [Line Items]    
Retiree age group range 55 years  
Maximum [Member]
    
Defined Benefit Plan Disclosure [Line Items]    
Retiree age group range 65 years  
Building [Member] | Minimum [Member]
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, useful life 15 years  
Building [Member] | Maximum [Member]
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, useful life 50 years  
Equipment and furniture [Member] | Minimum [Member]
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, useful life 3 years  
Equipment and furniture [Member] | Maximum [Member]
    
Property, Plant and Equipment [Line Items]    
Property, plant and equipment, useful life 10 years  
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PARENT COMPANY FINANCIAL INFORMATION (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Assets [Abstract]        
Cash on deposit with subsidiary bank $ 31,600,112 $ 29,239,309    
Securities available for sale, at estimated fair value 346,015,906 239,685,763    
Total assets 1,476,143,453 1,248,159,708    
Liabilities and shareholders' equity: [Abstract]        
Dividends payable 1,194,522 0 0  
Total liabilities 1,337,565,459 1,117,044,771    
Shareholders' equity:        
Total shareholders' equity 138,577,994 131,114,937 125,929,440 97,408,563
Total liabilities and shareholders' equity 1,476,143,453 1,248,159,708    
Statement of Income [Abstract]        
Income before income tax expense 12,553,353 16,406,722 15,570,905  
Income tax benefit (expense) 3,822,297 5,384,482 5,033,150  
Net income 8,731,056 11,022,240 10,537,755  
Cash flows from operating activities: [Abstract]        
Net income 8,731,056 11,022,240 10,537,755  
Adjustments to reconcile net income to net cash provided by operating activities:        
Change in other assets (6,213,191) 6,083,953 (9,890,546)  
Change in other liabilities 9,403,504 587,817 231,811  
Net cash provided by operating activities 22,972,317 24,562,048 9,167,162  
Cash flow from investing activities:        
Net cash used by investing activities (46,487,758) (56,856,819) (5,063,570)  
Cash flow from financing activities [Abstract]        
Purchase of treasury stock (92,630) (635,800) (501,299)  
Sale of treasury stock 70,880 257,550 217,520  
Net cash provided (used) by financing activities 34,883,684 19,634,139 (11,821,516)  
Increase (Decrease) in cash and cash equivalents 11,368,243 (12,660,632) (7,717,924)  
Cash and cash equivalents, beginning of period 40,241,221 52,901,853 60,619,777  
Cash and cash equivalents, end of period 51,609,464 40,241,221 52,901,853  
Parent Company [Member]
        
Assets [Abstract]        
Cash on deposit with subsidiary bank 2,685,601 1,788,169    
Dividends receivable from subsidiary bank 1,194,522 0    
Securities available for sale, at estimated fair value 342,898 304,190    
Other Assets 1,255,162 1,813,162    
Total assets 139,814,216 131,143,587    
Liabilities and shareholders' equity: [Abstract]        
Dividends payable 1,194,522 0    
Other liabilities 41,700 28,650    
Total liabilities 1,236,222 28,650    
Shareholders' equity:        
Total shareholders' equity 138,577,994 131,114,937    
Total liabilities and shareholders' equity 139,814,216 131,143,587    
Statement of Income [Abstract]        
Dividends from subsidiary bank 4,778,149 4,572,958 11,916,475  
Interest and Dividend Income 8,629 7,372 8,127  
Other income 132,574 150,136 776,672  
Operating Expenses 324,122 331,441 227,847  
Income before income tax expense 4,595,230 4,399,025 12,473,427  
Income before income tax 8,606,961 10,863,816 10,680,352  
Income tax benefit (expense) (124,095) (158,424) 142,597  
Net income 8,731,056 11,022,240 10,537,755  
Cash flows from operating activities: [Abstract]        
Net income 8,731,056 11,022,240 10,537,755  
Adjustments to reconcile net income to net cash provided by operating activities:        
Change in dividend receivable (1,194,522) 1,141,081 (259,879)  
Change in other assets 558,000 765,150 (60,510)  
Change in other liabilities 78,117 48,081 161,692  
Expense related to employee stock compensation 112,154 80,000 55,000  
Expense related to restricted stock units for directors' deferred compensation plan 98,815 86,717 80,083  
Expense to employee restricted stock awards 130,920 79,510 28,141  
Net cash provided by operating activities 4,502,809 6,757,988 12,335,357  
Cash flow from investing activities:        
Cash paid Fort Orange Financial Corp. acquisition 0 0 (8,137,816)  
Net cash used by investing activities 0 0 (8,137,816)  
Cash flow from financing activities [Abstract]        
Cash dividends paid (3,583,627) (5,714,039) (4,056,597)  
Purchase of treasury stock (92,630) (635,800) (501,299)  
Sale of treasury stock 70,880 257,550 217,520  
Net cash provided (used) by financing activities (3,605,377) (6,092,289) (4,340,376)  
Increase (Decrease) in cash and cash equivalents 897,432 665,699 (142,835)  
Cash and cash equivalents, beginning of period 1,788,169 1,122,470 1,265,305  
Cash and cash equivalents, end of period 2,685,601 1,788,169 1,122,470  
Parent Company [Member] | Chemung Canal Trust Company [Member]
        
Assets [Abstract]        
Investment in subsidiary 133,557,084 126,597,837    
Statement of Income [Abstract]        
Equity in undistributed earnings 3,873,011 6,410,993 (1,837,241)  
Adjustments to reconcile net income to net cash provided by operating activities:        
Equity in undistributed earnings (3,873,011) (6,410,993) 1,837,241  
Parent Company [Member] | CFS Group Inc. [Member]
        
Assets [Abstract]        
Investment in subsidiary 778,949 640,229    
Statement of Income [Abstract]        
Equity in undistributed earnings 138,720 53,798 44,166  
Adjustments to reconcile net income to net cash provided by operating activities:        
Equity in undistributed earnings $ (138,720) $ (53,798) $ (44,166)  

XML 20 R55.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND ALLOWANCE FOR LOAN LOSSES, IMPAIRED LOANS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Unpaid Principal Balance [Abstract]      
Unpaid Principal Balance, Total $ 13,875,058 $ 13,848,607  
Recorded Investment [Abstract]      
Recorded Investment, Total 13,896,548 12,659,578  
Allowance for Loan Losses Allocated 1,046,022 192,638  
Average Recorded Investment [Abstract]      
Average Recorded Investment, Total 12,767,911 5,450,869 9,645,909
Interest Income, Accrual Method [Abstract]      
Interest Income, Accrual Method, Total 421,262 [1] 11,840 [1] 33,755 [1]
With no related allowance recorded [Member] | Commercial mortgages [Member] | Construction [Member]
      
Unpaid Principal Balance [Abstract]      
With No Related Allowance, Unpaid Principal Balance 2,329,223 5,168,353  
Recorded Investment [Abstract]      
With No Related Allowance, Recorded Investment 2,318,729 5,166,853  
Allowance for Loan Losses Allocated 0 0  
Average Recorded Investment [Abstract]      
With No Related Allowance, Average Recorded Investment 3,364,173 73,316 20,578
Interest Income, Accrual Method [Abstract]      
With No Related Allowance, Interest Income, Accrual Method 95,235 [1] 870 [1] 0 [1]
With no related allowance recorded [Member] | Commercial mortgages [Member] | Commercial mortgage other [Member]
      
Unpaid Principal Balance [Abstract]      
With No Related Allowance, Unpaid Principal Balance 7,406,355 5,678,565  
Recorded Investment [Abstract]      
With No Related Allowance, Recorded Investment 7,439,359 5,090,399  
Allowance for Loan Losses Allocated 0 0  
Average Recorded Investment [Abstract]      
With No Related Allowance, Average Recorded Investment 5,990,852 1,989,795 2,743,345
Interest Income, Accrual Method [Abstract]      
With No Related Allowance, Interest Income, Accrual Method 249,459 [1] 10,338 [1] 4,959 [1]
With no related allowance recorded [Member] | Commercial and Agricultural [Member] | Commercial and industrial [Member]
      
Unpaid Principal Balance [Abstract]      
With No Related Allowance, Unpaid Principal Balance 1,905,782 2,059,027  
Recorded Investment [Abstract]      
With No Related Allowance, Recorded Investment 1,909,412 1,462,157  
Allowance for Loan Losses Allocated 0 0  
Average Recorded Investment [Abstract]      
With No Related Allowance, Average Recorded Investment 1,604,773 480,755 3,029,611
Interest Income, Accrual Method [Abstract]      
With No Related Allowance, Interest Income, Accrual Method 71,088 [1] 632 [1] 28,796 [1]
With no related allowance recorded [Member] | Residential mortgages [Member]
      
Unpaid Principal Balance [Abstract]      
With No Related Allowance, Unpaid Principal Balance 117,278 131,909  
Recorded Investment [Abstract]      
With No Related Allowance, Recorded Investment 117,278 131,909  
Allowance for Loan Losses Allocated 0 0  
Average Recorded Investment [Abstract]      
With No Related Allowance, Average Recorded Investment 124,896 105,880 250,391
Interest Income, Accrual Method [Abstract]      
With No Related Allowance, Interest Income, Accrual Method 0 [1] 0 [1] 0 [1]
With no related allowance recorded [Member] | Consumer Loan [Member] | Home equity lines and loans [Member]
      
Unpaid Principal Balance [Abstract]      
With No Related Allowance, Unpaid Principal Balance 70,970 0  
Recorded Investment [Abstract]      
With No Related Allowance, Recorded Investment 72,730 0  
Allowance for Loan Losses Allocated 0 0  
Average Recorded Investment [Abstract]      
With No Related Allowance, Average Recorded Investment 47,472 29,784 0
Interest Income, Accrual Method [Abstract]      
With No Related Allowance, Interest Income, Accrual Method 2,043 [1] 0 [1] 0 [1]
With Allowance Recorded [Member] | Commercial mortgages [Member] | Construction [Member]
      
Average Recorded Investment [Abstract]      
With Related Allowance, Average Recorded Investment 0 4,148 14,893
Interest Income, Accrual Method [Abstract]      
With Related Allowance, Interest Income, Accrual Method 0 [1] 0 [1] 0 [1]
With Allowance Recorded [Member] | Commercial mortgages [Member] | Commercial mortgage other [Member]
      
Unpaid Principal Balance [Abstract]      
With Related Allowance, Unpaid Principal Balance 951,241 364,423  
Recorded Investment [Abstract]      
With Related Allowance, Recorded Investment 944,729 363,022  
Allowance for Loan Losses Allocated 466,055 59,201  
Average Recorded Investment [Abstract]      
With Related Allowance, Average Recorded Investment 866,722 872,292 1,521,828
Interest Income, Accrual Method [Abstract]      
With Related Allowance, Interest Income, Accrual Method 0 [1] 0 [1] 0 [1]
With Allowance Recorded [Member] | Commercial and Agricultural [Member] | Commercial and industrial [Member]
      
Unpaid Principal Balance [Abstract]      
With Related Allowance, Unpaid Principal Balance 1,036,381 446,330  
Recorded Investment [Abstract]      
With Related Allowance, Recorded Investment 1,036,112 445,238  
Allowance for Loan Losses Allocated 575,995 133,437  
Average Recorded Investment [Abstract]      
With Related Allowance, Average Recorded Investment 719,453 1,830,896 2,065,263
Interest Income, Accrual Method [Abstract]      
With Related Allowance, Interest Income, Accrual Method 0 [1] 0 [1] 0 [1]
With Allowance Recorded [Member] | Residential mortgages [Member]
      
Average Recorded Investment [Abstract]      
With Related Allowance, Average Recorded Investment 0 64,003 0
Interest Income, Accrual Method [Abstract]      
With Related Allowance, Interest Income, Accrual Method 0 [1] 0 [1] 0 [1]
With Allowance Recorded [Member] | Consumer Loan [Member] | Home equity lines and loans [Member]
      
Unpaid Principal Balance [Abstract]      
With Related Allowance, Unpaid Principal Balance 57,828 0  
Recorded Investment [Abstract]      
With Related Allowance, Recorded Investment 58,199 0  
Allowance for Loan Losses Allocated 3,972 0  
Average Recorded Investment [Abstract]      
With Related Allowance, Average Recorded Investment 46,520 0 0
Interest Income, Accrual Method [Abstract]      
With Related Allowance, Interest Income, Accrual Method 3,437 [1] 0 [1] 0 [1]
With Allowance Recorded [Member] | Consumer Loan [Member] | Direct consumer loans [Member]
      
Average Recorded Investment [Abstract]      
With Related Allowance, Average Recorded Investment 3,050 0 0
Interest Income, Accrual Method [Abstract]      
With Related Allowance, Interest Income, Accrual Method $ 0 [1] $ 0 [1] $ 0 [1]
[1] Cash basis interest income approximates interest income recognized.
XML 21 R46.htm IDEA: XBRL DOCUMENT v2.4.0.8
SEGMENT REPORTING (Tables)
 12 Months Ended
Dec. 31, 2013
SEGMENT REPORTING [Abstract]  
Summarized financial information showing reconciliation of segment net income loss and assets to consolidated results
Accounting policies for the segments are the same as those described in Note 1. Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table.  Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment.  Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate transactions between segments:

Year ended December 31, 2013
 
Core Banking
  
Wealth
Management
Group
  
Holding
Company
And Other
  
Consolidated
Totals
 
Net interest income
 
$
46,621,005
  
$
-
  
$
9,714
  
$
46,630,719
 
Provision for loan losses
  
2,754,726
   
-
   
-
   
2,754,726
 
Net interest income after provision for loan losses
  
43,866,279
   
-
   
9,714
   
43,875,993
 
Other operating income
  
9,912,614
   
7,344,045
   
819,945
   
18,076,604
 
Other operating expenses
  
43,134,860
   
5,480,218
   
784,166
   
49,399,244
 
Income (loss) before income tax expense
  
10,644,033
   
1,863,827
   
45,493
   
12,553,353
 
Income tax expense (benefit)
  
3,140,245
   
716,455
   
(34,403
)
  
3,822,297
 
Segment net income (loss)
 
$
7,503,788
  
$
1,147,372
  
$
79,896
  
$
8,731,056
 
 
                
Segment assets
 
$
1,469,482,048
  
$
4,943,092
  
$
1,718,313
  
$
1,476,143,453
 

Year ended December 31, 2012
 
Core Banking
  
Wealth
Management
Group
  
Holding
Company
And Other
  
Consolidated
Totals
 
Net interest income
 
$
46,833,743
  
$
-
  
$
8,130
  
$
46,841,873
 
Provision for loan losses
  
827,567
   
-
   
-
   
827,567
 
Net interest income after provision for loan losses
  
46,006,176
   
-
   
8,130
   
46,014,306
 
Other operating income
  
9,596,323
   
6,826,976
   
764,442
   
17,187,741
 
Other operating expenses
  
40,550,209
   
5,389,017
   
856,099
   
46,795,325
 
Income (loss) before income tax expense
  
15,052,290
   
1,437,959
   
(83,527
)
  
16,406,722
 
Income tax expense (benefit)
  
4,953,549
   
552,751
   
(121,818
)
  
5,384,482
 
Segment net income (loss)
 
$
10,098,741
  
$
885,208
  
$
38,291
  
$
11,022,240
 
 
                
Segment assets
 
$
1,240,751,558
  
$
5,155,950
  
$
2,252,200
  
$
1,248,159,708
 

Year ended December 31, 2011
 
Core Banking
  
Wealth
Management
Group
  
Holding
Company
And Other
  
Consolidated
Totals
 
Net interest income
 
$
43,906,319
  
$
-
  
$
8,729
  
$
43,915,048
 
Provision for loan losses
  
958,333
   
-
   
-
   
958,333
 
Net interest income after provision for loan losses
  
42,947,986
   
-
   
8,729
   
42,956,715
 
Other operating income
  
9,426,994
   
6,709,685
   
1,325,908
   
17,462,587
 
Other operating expenses
  
38,293,287
   
5,851,825
   
703,285
   
44,848,397
 
Income before income tax expense
  
14,081,693
   
857,860
   
631,352
   
15,570,905
 
Income tax expense
  
4,528,446
   
331,872
   
172,832
   
5,033,150
 
Segment net income
 
$
9,553,247
  
$
525,988
  
$
458,520
  
$
10,537,755
 
 
                
Segment assets
 
$
1,207,464,195
  
$
5,729,479
  
$
3,065,913
  
$
1,216,259,587
 
XML 22 R33.htm IDEA: XBRL DOCUMENT v2.4.0.8
GOODWILL AND INTANGIBLE ASSETS (Tables)
 12 Months Ended
Dec. 31, 2013
GOODWILL AND INTANGIBLE ASSETS [Abstract]  
Schedule of changes in goodwill
The changes in goodwill included in the core banking segment during the years ending December 31, 2013 and 2012 were as follows:

 
 
2013
  
2012
 
Beginning of year
 
$
21,824,443
  
$
21,983,617
 
Acquired goodwill
  
-
   
-
 
Adjustment of Acquired goodwill (1)
  
-
   
(159,174
)
End of year
 
$
21,824,443
  
$
21,824,443
 

(1) Adjustments related to Fort Orange Financial Corp. acquisition
Schedule of acquired finite-lived intangible assets by major class
Acquired intangible assets were as follows at December 31, 2013 and 2012:

  
At December 31, 2013
  
At December 31, 2012
 
  
Balance
Acquired
  
Accumulated
Amortization
  
Balance
Acquired
  
Accumulated
Amortization
 
Core deposit intangibles
 
$
5,974,468
  
$
2,337,959
  
$
3,819,798
  
$
1,796,853
 
Other customer relationship intangibles
  
6,063,423
   
3,322,855
   
6,063,423
   
2,942,548
 
Total
 
$
12,037,891
  
$
5,660,814
  
$
9,883,221
  
$
4,739,401
 
Schedule of expected amortization expense
The remaining estimated aggregate amortization expense at December 31, 2013 is listed below:

Year
 
Estimated Expense
 
2014
 
$
1,310,056
 
2015
  
1,136,478
 
2016
  
986,063
 
2017
  
859,290
 
2018
  
734,237
 
2019 and thereafter
  
1,350,953
 
Total
 
$
6,377,077
 
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ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward]      
Balance at beginning of period $ (2,806,929) $ (1,441,378)  
Other comprehensive income before reclassification 2,006,041 (2,010,333)  
Amounts reclassified from accumulated other comprehensive income 956,069 644,782  
Net current period other comprehensive loss 2,962,110 (1,365,551)  
Balance at end of period 155,181 (2,806,929) (1,441,378)
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Total impairment losses 29,025 0 67,400
Net loss on securities transactions 16,379 300,516 1,108,091
Pension and other employee benefits 5,939,205 5,623,861 4,796,994
Income tax benefit (expense) 3,822,297 5,384,482 5,033,150
Net of tax 8,731,056 11,022,240 10,537,755
Reclassification out of Accumulated Other Comprehensive Income [Member]
      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Net of tax (956,069) (644,782)  
Unrealized Gains and Losses on Securities Available for Sale [Member]
      
Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward]      
Balance at beginning of period 8,022,790 7,987,055  
Other comprehensive income before reclassification (1,987,340) 220,733  
Amounts reclassified from accumulated other comprehensive income 7,785 (184,998)  
Net current period other comprehensive loss (1,979,555) 35,735  
Balance at end of period 6,043,235 8,022,790  
Unrealized Gains and Losses on Securities Available for Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Total impairment losses (29,025) 0  
Net loss on securities transactions 16,379 300,516  
Income tax benefit (expense) 4,861 (115,518)  
Net of tax (7,785) 184,998  
Defined Benefit and Other Benefit Plans [Member]
      
Accumulated Other Comprehensive Income Loss Net Of Tax [Roll Forward]      
Balance at beginning of period (10,829,719) (9,428,433)  
Other comprehensive income before reclassification 3,993,381 (2,231,066)  
Amounts reclassified from accumulated other comprehensive income 948,284 829,780  
Net current period other comprehensive loss 4,941,665 (1,401,286)  
Balance at end of period (5,888,054) (10,829,719)  
Defined Benefit and Other Benefit Plans [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Income tax benefit (expense) 592,139 518,140  
Net of tax (948,284) (829,780)  
Prior Service Costs [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Pension and other employee benefits 83,144 [1] 83,144 [1]  
Actuarial Losses [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
      
Reclassification Adjustment Out Of Accumulated Other Comprehensive Income [Line Items]      
Pension and other employee benefits $ (1,623,567) [1] $ (1,431,064) [1]  
[1] (a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).
XML 25 R57.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND ALLOWANCE FOR LOAN LOSSES, TROUBLED DEBT RESTRUCTURING (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Loan
Dec. 31, 2012
Loan
Trouble debt restructurings [Abstract]    
Recorded investment in troubled debt restructurings $ 7,891,734 $ 5,728,610
Troubled debt restructuring reserve 252,790 0
Troubled debt restructuring loan amount modified 6,830,550 5,363,712
Loans committed to customers with loans classified as TDR 165,000 130,000
Troubled debt restructurings increased allowance for loan losses 107,727 0
Troubled debt restructuring, charge offs 0 0
Period after troubled debt restructuring modification where no default payments made 12 months  
Number of days past due after which loan considered as payment default 90 days  
Loans by class modified as troubled debt restructurings [Abstract]    
Number of Loans 10 8
Pre-Modification outstanding recorded investment 1,935,872 5,430,415
Post-Modification outstanding recorded investment 1,935,872 5,430,415
Commercial mortgage other [Member]
    
Trouble debt restructurings [Abstract]    
Troubled debt restructuring loan amount modified 1,061,184 364,898
Commercial mortgages [Member] | Construction [Member]
    
Loans by class modified as troubled debt restructurings [Abstract]    
Number of Loans 1 1
Pre-Modification outstanding recorded investment 325,957 251,448
Post-Modification outstanding recorded investment 325,957 251,448
Commercial mortgages [Member] | Commercial mortgage other [Member]
    
Loans by class modified as troubled debt restructurings [Abstract]    
Number of Loans 1 3
Pre-Modification outstanding recorded investment 133,000 3,871,779
Post-Modification outstanding recorded investment 133,000 3,871,779
Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Loans by class modified as troubled debt restructurings [Abstract]    
Number of Loans 5 4
Pre-Modification outstanding recorded investment 1,342,690 1,307,188
Post-Modification outstanding recorded investment 1,342,690 1,307,188
Consumer loans [Member] | Home equity lines and loans [Member]
    
Loans by class modified as troubled debt restructurings [Abstract]    
Number of Loans 3  
Pre-Modification outstanding recorded investment 134,225  
Post-Modification outstanding recorded investment $ 134,255  
XML 26 R71.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Level
Dec. 31, 2012
Dec. 31, 2011
FAIR VALUES [Abstract]      
Number of levels 3    
Financial Assets [Abstract]      
Total available for sale securities $ 346,015,906 $ 239,685,763  
Trust Preferred Securities [Rollforward]      
Beginning balance 445,600 294,910  
Included in earnings [Abstract]      
Loss on securities 0 0  
Impairment charge on investment securities (29,025) 0  
Included in other comprehensive income 183,425 150,690  
Transfers in and/or out of Level 3 (600,000) 0  
Ending balance 0 445,600 294,910
Financial Assets [Abstract]      
Impaired loan valuation allowance 1,046,022 192,638  
Provision for loan losses 2,754,726 827,567 958,333
Financial Assets [Abstract]      
Cash and due from financial institutions 31,600,112 29,239,309  
Interest-bearing deposits in other financial institutions 20,009,352 11,001,912  
Securities available for sale 346,015,906 239,685,763  
Securities held to maturity 6,494,924 5,748,453  
Loans, net 983,090,196 883,084,291  
Loans held for sale 694,840 1,057,309  
Accrued interest receivable 2,597,301 2,383,998  
Deposits [Abstract]      
Time Deposits 244,491,486 236,690,054  
Securities sold under agreements to repurchase 32,701,223 32,710,650 37,106,842
Federal Home Loan Bank term advances 25,242,628 27,225,363  
Dividends payable 1,194,522 0 0
Estimated Fair Value [Member]
      
Financial Assets [Abstract]      
Cash and due from financial institutions 31,600,112 [1] 29,239,309 [1]  
Interest-bearing deposits in other financial institutions 20,009,352 [1] 11,001,912 [1]  
Trading assets 366,255 [1] 348,241 [1]  
Securities available for sale 346,015,906 [1] 239,685,763 [1]  
Securities held to maturity 6,929,549 [1] 6,421,486 [1]  
Loans, net 1,008,826,162 [1] 916,289,444 [1]  
Loans held for sale 694,840 [1] 1,057,309 [1]  
Accrued interest receivable 4,166,423 [1] 3,787,923 [1]  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 1,018,878,175 [1] 808,043,960 [1]  
Time Deposits 245,481,933 [1] 238,245,225 [1]  
Securities sold under agreements to repurchase 33,636,052 [1] 35,259,782 [1]  
Federal Home Loan Bank term advances 26,063,973 [1] 29,688,198 [1]  
Accrued interest payable 335,818 [1] 452,629 [1]  
Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Financial Assets [Abstract]      
Cash and due from financial institutions 31,600,112 29,239,309  
Interest-bearing deposits in other financial institutions 20,009,352 8,444,188  
Trading assets 366,255 348,241  
Securities available for sale 38,540,575 43,418,533  
Securities held to maturity 0 0  
Federal Home Loan and Federal Reserve Bank Stock 0 0  
Loans, net 0 0  
Loans held for sale 0 0  
Accrued interest receivable 145,166 174,827  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 1,018,878,175 808,043,960  
Time Deposits 0 0  
Securities sold under agreements to repurchase 0 0  
Federal Home Loan Bank term advances 0 0  
Accrued interest payable 14,445 11,793  
Significant Other Observable Inputs (Level 2) [Member]
      
Financial Assets [Abstract]      
Cash and due from financial institutions 0 0  
Interest-bearing deposits in other financial institutions 0 2,557,724  
Trading assets 0 0  
Securities available for sale 307,475,331 195,821,630  
Securities held to maturity 6,929,549 6,421,486  
Federal Home Loan and Federal Reserve Bank Stock 0 0  
Loans, net 0 0  
Loans held for sale 694,840 1,057,309  
Accrued interest receivable 1,468,186 1,257,260  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 0 0  
Time Deposits 245,481,933 238,245,225  
Securities sold under agreements to repurchase 33,636,052 35,259,782  
Federal Home Loan Bank term advances 26,063,973 29,688,198  
Accrued interest payable 170,328 278,988  
Significant Unobservable Inputs (Level 3) [Member]
      
Financial Assets [Abstract]      
Cash and due from financial institutions 0 0  
Interest-bearing deposits in other financial institutions 0 0  
Trading assets 0 0  
Securities available for sale 0 445,600  
Securities held to maturity 0 0  
Federal Home Loan and Federal Reserve Bank Stock 0 0  
Loans, net 1,008,826,162 916,289,444  
Loans held for sale 0 0  
Accrued interest receivable 2,553,071 2,355,836  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 0 0  
Time Deposits 0 0  
Securities sold under agreements to repurchase 0 0  
Federal Home Loan Bank term advances 0 0  
Accrued interest payable 151,045 161,848  
Carrying Amount [Member]
      
Financial Assets [Abstract]      
Cash and due from financial institutions 31,600,112 29,239,309  
Interest-bearing deposits in other financial institutions 20,009,352 11,001,912  
Trading assets 366,255 348,241  
Securities available for sale 346,015,906 239,685,763  
Securities held to maturity 6,494,924 5,748,453  
Federal Home Loan and Federal Reserve Bank Stock 4,481,750 4,710,300  
Loans, net 983,090,196 883,084,291  
Loans held for sale 694,840 1,057,309  
Accrued interest receivable 4,166,423 3,787,923  
Deposits [Abstract]      
Demand, savings, and insured money market accounts 1,018,878,175 808,043,960  
Time Deposits 244,491,486 236,690,054  
Securities sold under agreements to repurchase 32,701,223 32,710,650  
Federal Home Loan Bank term advances 25,242,628 27,225,363  
Accrued interest payable 335,818 452,629  
Impaired Loans [Member]
      
Financial Assets [Abstract]      
Impaired loan valuation allowance 1,056,832 192,638  
Provision for loan losses 864,194 0  
Carrying amount of impaired loans 2,045,450 808,260  
Other real estate owned [Member]
      
Consumer loans:      
Total other real estate owned, net 730,398 756,948  
Financial Assets [Abstract]      
OREO - Other real estate owned gross 730,398 756,948  
Other real estate owned valuation allowance 192,367 192,367  
OREO - Other real estate owned carrying value, net 538,031 564,581  
Write down of OREO 2,100 116,840  
Recurring [Member]
      
Financial Assets [Abstract]      
Obligations of U.S. Government and U.S. Government sponsored enterprises 188,106,208 141,591,214  
Mortgage-backed securities, residential 104,356,521 31,515,249  
Obligations of states and political subdivisions 38,376,222 40,814,722  
Collateralized mortgage obligations 1,014,876 3,543,360  
Corporate bonds and notes 2,945,807 11,651,635  
SBA loan pools 1,487,579 1,724,140  
Trust Preferred securities 2,033,594 2,470,913  
Corporate stocks 7,695,099 6,374,530  
Total available for sale securities 346,015,906 239,685,763  
Trading assets 366,255 348,241  
Recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Financial Assets [Abstract]      
Obligations of U.S. Government and U.S. Government sponsored enterprises 31,261,500 37,698,000  
Mortgage-backed securities, residential 0 0  
Obligations of states and political subdivisions 0 0  
Collateralized mortgage obligations 0 0  
Corporate bonds and notes 0 0  
SBA loan pools 0 0  
Trust Preferred securities 0 0  
Corporate stocks 7,279,075 5,720,533  
Total available for sale securities 38,540,575 43,418,533  
Trading assets 366,255 348,241  
Recurring [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Financial Assets [Abstract]      
Obligations of U.S. Government and U.S. Government sponsored enterprises 156,844,708 103,893,214  
Mortgage-backed securities, residential 104,356,521 31,515,249  
Obligations of states and political subdivisions 38,376,222 40,814,722  
Collateralized mortgage obligations 1,014,876 3,543,360  
Corporate bonds and notes 2,945,807 11,651,635  
SBA loan pools 1,487,579 1,724,140  
Trust Preferred securities 2,033,594 2,025,313  
Corporate stocks 416,024 653,997  
Total available for sale securities 307,475,331 195,821,630  
Trading assets 0 0  
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Financial Assets [Abstract]      
Obligations of U.S. Government and U.S. Government sponsored enterprises 0 0  
Mortgage-backed securities, residential 0 0  
Obligations of states and political subdivisions 0 0  
Collateralized mortgage obligations 0 0  
Corporate bonds and notes 0 0  
SBA loan pools 0 0  
Trust Preferred securities 0 445,600  
Corporate stocks 0 0  
Total available for sale securities 0 445,600  
Trading assets 0 0  
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Impaired Loans [Member]
      
Impaired Loans [Abstract]      
Commercial and industrial loans, fair value disclosure 0 0  
Commercial mortgage loans other, fair value disclosure 0 0  
Total impaired loan, fair value 0 0  
Non-recurring [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member] | Other real estate owned [Member]
      
Impaired Loans [Abstract]      
Commercial and industrial loans, fair value disclosure 0 0  
Commercial mortgage loans other, fair value disclosure 0 0  
Commercial Mortgage Loans, Residential mortgages, Fair Value 0 0  
Consumer loans:      
Home equity lines and loans 0 0  
Total other real estate owned, net 0 0  
Financial Assets [Abstract]      
OREO - Other real estate owned gross 0 0  
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Impaired Loans [Member]
      
Impaired Loans [Abstract]      
Commercial and industrial loans, fair value disclosure 0 0  
Commercial mortgage loans other, fair value disclosure 0 0  
Total impaired loan, fair value 0 0  
Non-recurring [Member] | Significant Other Observable Inputs (Level 2) [Member] | Other real estate owned [Member]
      
Impaired Loans [Abstract]      
Commercial and industrial loans, fair value disclosure 0 0  
Commercial mortgage loans other, fair value disclosure 0 0  
Commercial Mortgage Loans, Residential mortgages, Fair Value 0 0  
Consumer loans:      
Home equity lines and loans 0 0  
Total other real estate owned, net 0 0  
Financial Assets [Abstract]      
OREO - Other real estate owned gross 0 0  
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member]
      
Impaired Loans [Abstract]      
Commercial and industrial loans, fair value disclosure 460,386 311,801  
Commercial mortgage loans other, fair value disclosure 485,186 303,821  
Home equity lines and loans, fair value disclosure 53,856    
Total impaired loan, fair value 999,428 615,622  
Information related to Level 3 non-recurring fair value measurement [Abstract]      
Fair value 999,428 615,622  
Unobservable input 1 Management discount based on underlying collateral characteristics and market conditions 1 Management discount based on underlying collateral characteristics and market conditions  
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Impaired Loans [Member] | Market Approach Valuation Technique [Member]
      
Information related to Level 3 non-recurring fair value measurement [Abstract]      
Valuation techniques Third party real estate and a 100% discount of personal property Third party real estate and a 100% discount of personal property  
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other real estate owned [Member]
      
Impaired Loans [Abstract]      
Commercial and industrial loans, fair value disclosure 101,200 101,200  
Commercial mortgage loans other, fair value disclosure 265,702 257,702  
Commercial Mortgage Loans, Residential mortgages, Fair Value 106,270 201,679  
Consumer loans:      
Home equity lines and loans 64,859 4,000  
Total other real estate owned, net 538,031 564,581  
Information related to Level 3 non-recurring fair value measurement [Abstract]      
Fair value 538,031 564,581  
Unobservable input 1 Estimated holding  period 1 Estimated holding period  
Unobservable input 2 Estimated closing costs 2 Estimated closing costs  
Financial Assets [Abstract]      
OREO - Other real estate owned gross 538,031 564,581  
Non-recurring [Member] | Significant Unobservable Inputs (Level 3) [Member] | Other real estate owned [Member] | Market Approach Valuation Technique [Member]
      
Information related to Level 3 non-recurring fair value measurement [Abstract]      
Valuation techniques Third party appraisals Third party appraisals  
Non-recurring [Member] | Fair Value [Member] | Impaired Loans [Member]
      
Impaired Loans [Abstract]      
Commercial and industrial loans, fair value disclosure 460,386 311,801  
Commercial mortgage loans other, fair value disclosure 485,186 303,821  
Home equity lines and loans, fair value disclosure 53,856    
Total impaired loan, fair value 999,428 615,622  
Non-recurring [Member] | Fair Value [Member] | Other real estate owned [Member]
      
Impaired Loans [Abstract]      
Commercial and industrial loans, fair value disclosure 101,200 101,200  
Commercial mortgage loans other, fair value disclosure 265,702 257,702  
Commercial Mortgage Loans, Residential mortgages, Fair Value 106,270 201,679  
Consumer loans:      
Home equity lines and loans 64,859 4,000  
Total other real estate owned, net 538,031 564,581  
Financial Assets [Abstract]      
OREO - Other real estate owned gross $ 538,031 $ 564,581  
[1] Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision. Changes in assumptions could significantly affect the estimates.
XML 27 R25.htm IDEA: XBRL DOCUMENT v2.4.0.8
REGULATORY CAPITAL REQUIREMENTS
 12 Months Ended
Dec. 31, 2013
REGULATORY CAPITAL REQUIREMENTS [Abstract]  
REGULATORY CAPITAL REQUIREMENTS
(17)         REGULATORY CAPITAL REQUIREMENTS

The Corporation 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 consolidated financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measures of the Bank's assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The capital amounts and classifications 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 Corporation and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets (all as defined in the applicable regulations).  Management believes that, as of December 31, 2013 and 2012, the Corporation and the Bank met all capital adequacy requirements to which they were subject.

As of December 31, 2013, the most recent notification from the Federal Reserve Bank of New York categorized the Bank as well capitalized under the regulatory framework for prompt corrective action.  To be categorized as well capitalized the Bank must maintain minimum total risk-based, Tier 1 risk-based and Tier 1 leverage ratios as set forth in the table below.  There have been no conditions or events since that notification that management believes have changed the Bank's or the Corporation's capital category.

The Corporation’s principal source of funds for dividend payments is dividends received from the Bank.  Banking regulations limit the amount of dividends that may be paid without prior approval of regulatory agencies.  Under these regulations, the amount of dividends that may be paid in any calendar year is limited to the current year’s net income, combined with the retained net income of the preceding two years, subject to the capital requirements in the table below.  During 2014, the Bank could, without prior approval, declare dividends of approximately $8.5 million plus any 2014 net income retained to the date of the dividend declaration.

The actual capital amounts and ratios of the Corporation and the Bank are presented in the following table:

 
 
Actual
  
Required To Be
Adequately
Capitalized
  
Required To Be Well
Capitalized
 
As of December 31, 2013
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
 
Consolidated
 
$
126,298,617
   
12.10
%
 
$
83,483,686
   
8.00
%
  
N/
A
  
N/
A
Bank
 
$
121,221,937
   
11.63
%
 
$
83,368,967
   
8.00
%
 
$
104,211,209
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
110,260,258
   
10.57
%
 
$
41,741,843
   
4.00
%
  
N/
A
  
N/
A
Bank
 
$
105,239,348
   
10.10
%
 
$
41,684,484
   
4.00
%
 
$
62,526,725
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
110,260,258
   
8.08
%
 
$
40,940,320
   
3.00
%
  
N/
A
  
N/
A
Bank
 
$
105,239,348
   
7.72
%
 
$
40,900,388
   
3.00
%
 
$
68,167,313
   
5.00
%

As of December 31, 2012
 
  
  
  
  
  
 
Total Capital (to Risk Weighted Assets):
 
  
  
  
  
  
 
Consolidated
 
$
119,894,319
   
13.10
%
 
$
73,208,463
   
8.00
%
  
N/
A
  
N/
A
Bank
 
$
115,391,331
   
12.64
%
 
$
73,044,522
   
8.00
%
 
$
91,305,653
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
106,924,553
   
11.68
%
 
$
36,604,232
   
4.00
%
  
N/
A
  
N/
A
Bank
 
$
102,459,917
   
11.22
%
 
$
36,522,261
   
4.00
%
 
$
54,783,392
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
106,924,553
   
8.74
%
 
$
36,701,105
   
3.00
%
  
N/
A
  
N/
A
Bank
 
$
102,459,917
   
8.39
%
 
$
36,630,566
   
3.00
%
 
$
61,050,944
   
5.00
%
 
XML 28 R50.htm IDEA: XBRL DOCUMENT v2.4.0.8
SECURITIES, PART 1 (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost $ 336,199,085 $ 226,653,290
Estimated Fair Value 346,015,906 239,685,763
Unrealized Gains 11,506,043 13,224,999
Unrealized Losses 1,689,222 192,526
Held to maturity securities, amortized cost and fair value basis [Abstract]    
Amortized Cost 6,494,924 5,748,453
Estimated Fair Value 6,929,549 6,421,486
Unrealized Gains 434,625 673,033
Unrealized Losses 0 0
Obligations of states and political subdivisions [Member]
    
Held to maturity securities, amortized cost and fair value basis [Abstract]    
Amortized Cost 5,471,505 5,748,453
Estimated Fair Value 5,890,122 6,421,486
Unrealized Gains 418,617 673,033
Unrealized Losses 0 0
Time deposits with other financial institutions [Member]
    
Held to maturity securities, amortized cost and fair value basis [Abstract]    
Amortized Cost 1,023,419 0
Estimated Fair Value 1,039,427 0
Unrealized Gains 16,008 0
Unrealized Losses 0 0
Obligations of U.S. Government and U.S. Government sponsored enterprises [Member]
    
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost 187,098,006 138,041,393
Estimated Fair Value 188,106,208 141,591,214
Unrealized Gains 1,914,660 3,549,821
Unrealized Losses 906,458 0
Mortgage-backed securities, residential [Member]
    
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost 104,068,981 29,591,883
Estimated Fair Value 104,356,521 31,515,249
Unrealized Gains 1,037,343 1,923,366
Unrealized Losses 749,803 0
Collateralized Mortgage obligations [Member]
    
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost 1,000,743 3,494,642
Estimated Fair Value 1,014,876 3,543,360
Unrealized Gains 14,133 48,718
Unrealized Losses 0 0
Obligations of states and political subdivisions [Member]
    
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost 37,339,530 39,174,595
Estimated Fair Value 38,376,222 40,814,722
Unrealized Gains 1,059,007 1,641,510
Unrealized Losses 22,315 1,383
Corporate bonds and notes [Member]
    
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost 2,878,813 11,412,167
Estimated Fair Value 2,945,807 11,651,635
Unrealized Gains 75,672 239,468
Unrealized Losses 8,678 0
Trust Preferred securities [Member]
    
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost 1,898,047 2,519,379
Estimated Fair Value 2,033,594 2,470,913
Unrealized Gains 135,547 134,959
Unrealized Losses 0 183,425
Corporate stocks [Member]
    
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost 444,452 736,495
Estimated Fair Value 7,695,099 6,374,530
Unrealized Gains 7,252,615 5,645,753
Unrealized Losses 1,968 7,718
SBA Loans [Member]
    
Available for sale securities amortized cost and fair value basis [Abstract]    
Amortized Cost 1,470,513 1,682,736
Estimated Fair Value 1,487,579 1,724,140
Unrealized Gains 17,066 41,404
Unrealized Losses $ 0 $ 0
XML 29 R42.htm IDEA: XBRL DOCUMENT v2.4.0.8
PARENT COMPANY FINANCIAL INFORMATION (Tables)
 12 Months Ended
Dec. 31, 2013
PARENT COMPANY FINANCIAL INFORMATION [Abstract]  
Parent Company Statement of Financial Position
BALANCE SHEETS - DECEMBER 31
 
2013
  
2012
 
Assets:
 
  
 
Cash on deposit with subsidiary bank
 
$
2,685,601
  
$
1,788,169
 
Investment in subsidiary-Chemung Canal Trust Company
  
133,557,084
   
126,597,837
 
Investment in subsidiary-CFS Group, Inc.
  
778,949
   
640,229
 
Dividends receivable from subsidiary bank
  
1,194,522
   
-
 
Securities available for sale, at estimated fair value
  
342,898
   
304,190
 
Other assets
  
1,255,162
   
1,813,162
 
Total assets
 
$
139,814,216
  
$
131,143,587
 
Liabilities and shareholders' equity:
        
Dividends payable
  
1,194,522
   
-
 
Other liabilities
  
41,700
   
28,650
 
Total liabilities
  
1,236,222
   
28,650
 
Shareholders' equity:
        
Total shareholders' equity
  
138,577,994
   
131,114,937
 
Total liabilities and shareholders' equity
 
$
139,814,216
  
$
131,143,587
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Parent Company Statement of Income
STATEMENTS OF INCOME - YEARS ENDED DECEMBER 31
 
2013
  
2012
  
2011
 
Dividends from subsidiary bank
 
$
4,778,149
  
$
4,572,958
  
$
11,916,475
 
Interest and dividend income
  
8,629
   
7,372
   
8,127
 
Other income
  
132,574
   
150,136
   
776,672
 
Operating expenses
  
324,122
   
331,441
   
227,847
 
Income before impact of subsidiaries' undistributed earnings or distributions in excess of earnings and income taxes
  
4,595,230
   
4,399,025
   
12,473,427
 
Equity in undistributed earnings (dividends in excess of earnings) of Chemung Canal Trust Company
  
3,873,011
   
6,410,993
   
(1,837,241
)
Equity in undistributed earnings of CFS Group, Inc.
  
138,720
   
53,798
   
44,166
 
Income before income tax
  
8,606,961
   
10,863,816
   
10,680,352
 
Income tax (benefit) expense
  
(124,095
)
  
(158,424
)
  
142,597
 
Net Income
 
$
8,731,056
  
$
11,022,240
  
$
10,537,755
 
Parent Company Statement of Cash Flows
STATEMENTS OF CASH FLOWS - YEARS ENDED DECEMBER 31
 
2013
  
2012
  
2011
 
Cash flows from operating activities:
 
  
  
 
Net Income
 
$
8,731,056
  
$
11,022,240
  
$
10,537,755
 
Adjustments to reconcile net income to net cash provided by operating activities:
            
Equity in (undistributed earnings) dividends in excess of earnings of Chemung Canal Trust Company
  
(3,873,011
)
  
(6,410,993
)
  
1,837,241
 
Equity in undistributed earnings of CFS Group, Inc.
  
(138,720
)
  
(53,798
)
  
(44,166
)
Change in dividend receivable
  
(1,194,522
)
  
1,141,081
   
(259,879
)
Change in other assets
  
558,000
   
765,150
   
(60,510
)
Change in other liabilities
  
78,117
   
48,081
   
161,692
 
Expense related to employee stock compensation
  
112,154
   
80,000
   
55,000
 
Expense related to restricted stock units for directors' deferred compensation plan
  
98,815
   
86,717
   
80,083
 
Expense to employee restricted stock awards
  
130,920
   
79,510
   
28,141
 
Net cash provided by operating activities
  
4,502,809
   
6,757,988
   
12,335,357
 
Cash flow from investing activities:
            
Cash paid Fort Orange Financial Corp. acquisition
  
-
   
-
   
(8,137,816
)
Net cash used by investing activities
  
-
   
-
   
(8,137,816
)
Cash flow from financing activities:
            
Cash dividends paid
  
(3,583,627
)
  
(5,714,039
)
  
(4,056,597
)
Purchase of treasury stock
  
(92,630
)
  
(635,800
)
  
(501,299
)
Sale of treasury stock
  
70,880
   
257,550
   
217,520
 
Net cash used in financing activities
  
(3,605,377
)
  
(6,092,289
)
  
(4,340,376
)
Increase (Decrease) in cash and cash equivalents
  
897,432
   
665,699
   
(142,835
)
Cash and cash equivalents at beginning of year
  
1,788,169
   
1,122,470
   
1,265,305
 
Cash and cash equivalents at end of year
 
$
2,685,601
  
$
1,788,169
  
$
1,122,470
 
XML 30 R75.htm IDEA: XBRL DOCUMENT v2.4.0.8
BRANCH ACQUISITION (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Nov. 23, 2013
Assets acquired and Liabilities assumed [Abstract]        
Time deposit premium       $ 263,387
Negative goodwill 469,929 0 0  
Bank of America [Member]
        
Assets acquired and Liabilities assumed [Abstract]        
Cash, net       170,904,285
Loans       1,240,224
Bank premises and equipment       4,081,292
Core deposit intangible asset       2,154,670
Other assets       349,091
Total assets acquired       178,729,562
Deposits assumed       177,749,174
Other liabilities       717,001
Total liabilities assumed       178,729,562
Number of branches 6      
Amortization period 7 years      
Time deposit premium 263,387      
Negative goodwill $ 469,929      
XML 31 R37.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES (Tables)
 12 Months Ended
Dec. 31, 2013
INCOME TAXES [Abstract]  
Components of income tax expense
 
For the years ended December 31, 2013, 2012 and 2011, income tax expense attributable to income from operations consisted of the following:

Current:
 
2013
   
2012
   
2011
 
  State
 
$
394,645
   
$
529,603
   
$
24,739
 
  Federal
   
3,548,242
     
4,207,980
     
1,592,276
 
     
3,942,887
     
4,737,583
     
1,617,015
 
Deferred expense/(benefit)
   
(120,590
)
   
646,899
     
3,416,135
 
   
$
3,822,297
   
$
5,384,482
   
$
5,033,150
 

Effective income tax expense
 
Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows:

   
2013
   
2012
   
2011
 
Tax computed at statutory rate
 
$
4,268,140
   
$
5,578,285
   
$
5,294,107
 
Tax-exempt interest
   
(483,029
)
   
(506,280
)
   
(543,638
)
Dividend exclusion
   
(46,330
)
   
(39,237
)
   
(35,439
)
State taxes, net of Federal impact
   
188,182
     
438,582
     
386,214
 
Nondeductible interest expense
   
10,860
     
16,119
     
23,242
 
Other items, net
   
(115,526
)
   
(102,987
)
   
(91,336
)
     Income tax expense
 
$
3,822,297
   
$
5,384,482
   
$
5,033,150
 
 
Deferred tax assets and deferred tax liabilities
The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2013 and 2012, are presented below:

 
 
2013
  
2012
 
Deferred tax assets:
 
  
 
Allowance for loan losses
 
$
4,889,110
  
$
3,989,953
 
Accrual for employee benefit plans
  
753,917
   
780,282
 
Depreciation
  
431,029
   
698,373
 
Deferred compensation and directors' fees
  
947,406
   
924,582
 
Purchase accounting adjustment – deposits
  
136,975
   
141,784
 
Purchase accounting adjustment – loans
  
339,440
   
612,696
 
Purchase accounting adjustment - fixed assets
  
223,744
   
223,602
 
Accounting for defined benefit pension and other benefit plans
  
3,690,995
   
6,776,728
 
Trust preferred impairment write down
  
741,926
   
1,340,893
 
Other
  
510,429
   
723,419
 
Total gross deferred tax assets
 
$
12,664,971
  
$
16,212,312
 

Deferred tax liabilities:
 
2013
  
2012
 
Deferred loan fees and costs
 
$
929,357
  
$
908,343
 
Prepaid pension
  
5,435,293
   
6,102,441
 
Net unrealized gains on securities available for sale
  
3,929,141
   
5,165,238
 
Other
  
1,288,557
   
1,100,783
 
Total gross deferred tax liabilities
  
11,582,348
   
13,276,805
 
Net deferred tax asset
 
$
1,082,623
  
$
2,935,507
 
Reconciliation of unrecognized tax benefits
A reconciliation of the beginning and ending amount of unrecognized tax benefits (excluding interest) is as follows:

 
 
2011
 
Balance at January 1
 
$
123,530
 
Additions for tax positions of current year
  
-
 
Reductions related to settlement with taxing authorities
  
(123,530
)
Balance at December 31
 
$
-
 
XML 32 R52.htm IDEA: XBRL DOCUMENT v2.4.0.8
SECURITIES, PART 3 (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
SECURITIES [Abstract]    
Fair value of securities pledged to secure public funds on deposit or for other purposes $ 188,875,494 $ 212,257,614
Securities pledged to secure securities sold under agreements to repurchase [Abstract]    
Amortized Cost 45,752,799 49,149,018
Estimated Fair Value 46,941,662 51,159,362
Shareholders' equity percentage not exceeded by securities of a single issuer 10.00% 10.00%
Equity Method Investments 956,626 1,757,252
Obligations of U.S. Government and U.S. Government sponsored enterprises [Member]
    
Securities pledged to secure securities sold under agreements to repurchase [Abstract]    
Amortized Cost 33,745,835 31,888,493
Estimated Fair Value 34,369,411 32,812,885
Mortgage-backed securities, residential [Member]
    
Securities pledged to secure securities sold under agreements to repurchase [Abstract]    
Amortized Cost 11,802,122 16,503,983
Estimated Fair Value 12,364,885 17,575,852
Collateralized Mortgage obligations [Member]
    
Securities pledged to secure securities sold under agreements to repurchase [Abstract]    
Amortized Cost 204,842 756,542
Estimated Fair Value $ 207,366 $ 770,625
XML 33 R67.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK COMPENSATION (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Board of Director's Stock Compensation [Abstract]      
Service period for comparable group used to determine share based payment awards 12 months    
Distribution Of Shares Of Treasury Stock For Directors Compensation Value Stock Comp $ 272,729 $ 216,946 $ 232,948
Number of treasury shares reissued to fund stock component of director compensation (in shares) 8,385 7,969  
Restricted Stock [Member]
      
Share-based Compensation Arrangements [Line Items]      
Number of Shares Authorized Annually (in shares) 15,000    
Restricted Stock Activity - Shares [Abstract]      
Nonvested, Beginning Balance (in shares) 20,009    
Granted (in shares) 8,087    
Vested (in shares) (5,660)    
Forfeited or Cancelled (in shares) (1,797)    
Nonvested, Ending Balance (in shares) 20,639 20,009  
Weighted Average Grant Date Fair Value [Abstract]      
Nonvested, Beginning Balance (in dollars per share) $ 23.84    
Granted (in dollars per share) $ 32.18    
Vested (in dollars per share) $ 23.22    
Forfeitures or Cancelled (in dollars per share) $ 25.04    
Nonvested (in dollars per share) $ 27.17 $ 23.84  
Unrecognized compensation cost related to nonvested 548,916    
Period for Recognition 4 years 1 month 13 days    
Vested in Period, Total Fair Value $ 180,576 $ 87,314  
XML 34 R61.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Deposits, by Type [Abstract]      
Non-interest-bearing demand deposits $ 351,222,057 $ 300,610,463  
Interest-bearing demand deposits 114,679,334 90,729,870  
Insured money market accounts 361,094,929 243,114,771  
Savings Deposits 191,881,855 173,588,856  
Time Deposits 244,491,486 236,690,054  
Total deposits 1,263,369,661 1,044,734,014  
Maturities of Time Deposits [Abstract]      
2013 178,903,280    
2014 45,616,228    
2015 7,498,340    
2016 6,494,486    
2017 4,245,277    
2018 and thereafter 1,733,875    
Time Deposits 244,491,486 236,690,054  
Maturities of time deposits in denominations of $100,000 or more [Abstract]      
3 months or less 24,370,627    
Over 3 through 6 months 17,683,778    
Over 6 through 12 months 24,521,432    
Over 12 months 22,236,294    
Time Deposits, $100,000 or More 88,812,131 87,705,511  
Interest expense on time deposits $ 777,614 $ 1,202,345 $ 1,799,472
XML 35 R47.htm IDEA: XBRL DOCUMENT v2.4.0.8
BRANCH ACQUISITION (Tables)
 12 Months Ended
Dec. 31, 2013
BRANCH ACQUISITION [Abstract]  
Schedule of Branch Acquisition
The assets acquired and deposits assumed in the transaction were recorded at their estimated fair values as follows:

Cash, net
 
$
170,904,285
 
Loans
   
1,240,224
 
Bank premises and equipment
   
4,081,292
 
Core deposit intangible asset
   
2,154,670
 
Other assets
   
349,091
 
Total assets acquired
 
$
178,729,562
 
         
Deposits assumed
 
$
177,749,174
 
Time deposit premium
   
263,387
 
Other liabilities
   
717,001
 
Total liabilities assumed
 
$
178,729,562
 

XML 36 R9.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
(1)           SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

To assist the reader, the Corporation has provided the following list of commonly used acronyms and abbreviations included in the Notes to Consolidated Financial Statements.

FASB:  Financial Accounting Standards Board
OTTI:  Other-than-temporary impairment
FDIC:  Federal Deposit Insurance Corporation
PCI:  Purchased credit impaired
FHLBNY:  Federal Home Loan Bank of New York
SEC:  Securities and Exchange Commission
GAAP:  U.S. generally accepted accounting principles
CDO: Collateralized Debt Obligation

ORGANIZATION

Chemung Financial Corporation (the "Corporation"), through its wholly owned subsidiaries, Chemung Canal Trust Company (the "Bank") and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients.  The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.

BASIS OF PRESENTATION

The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and include the accounts of the Corporation and its subsidiaries.  All significant intercompany balances and transactions are eliminated in consolidation.

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 based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.  The allowance for loan losses, fair value of financial instruments, other-than-temporary impairment of investment securities and goodwill and other intangibles are particularly subject to change.

SECURITIES

Management determines the appropriate classification of securities at the time of purchase.  If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost.  Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value.  Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method.

Management evaluates securities for OTTI on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) OTTI related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows.  OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows.

Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected.

FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK

The Bank is a member of both the FHLBNY and the FRBNY.  FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank’s capital stock and surplus.  FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value.  Cash dividends are reported as income.

BANK OWNED LIFE INSURANCE

Bank Owned Life Insurance ("BOLI") is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.  Changes in the cash surrender value are recorded in other income.

LOANS HELD FOR SALE

Certain mortgage loans are originated with the intent to sell.  Loans held for sale are recorded at the lower of cost or fair value in the aggregate.  Loans held for sale, as well as the commitments to sell the loans that are originated for sale, are regularly evaluated for changes in fair value.  If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates.

LOANS

Loans are stated at the amount of unpaid principal balance net of deferred origination fees and costs and unearned income.  Additionally, recorded investment in loans includes interest receivable on loans.  The Corporation has the ability and intent to hold its loans for the foreseeable future.  The Corporation’s loan portfolio, including acquired loans, is comprised of the following segments: (i) commercial and agricultural, (ii) commercial mortgages, (iii) residential mortgages, and (iv) consumer loans.

Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation’s market area in a diverse range of industries.  These loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances.  Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan.  Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from their employment and other income, but are secured by real property.  Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages.  Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower’s continuing financial stability.
 
Interest on loans is accrued and credited to operations using the interest method.  Past due status is based on the contractual terms of the loan.  The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent.  Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted.  All payments received on non accrual loans are applied to principal.  Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.  Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.

ACQUIRED LOANS

Non-Impaired Acquired Loans:

Loans acquired are initially recorded at fair value with no carryover of the related allowance for loan losses.  After acquisition, losses beyond those estimated in determining the initial fair value are recognized through the allowance for loan losses.  Determining fair value of the loans involves estimating the amount and timing of expected principal and interest cash flows to be collected on the loans and discounting those cash flows at a market interest rate.

Purchased Credit Impaired Loans:

Loans acquired that show evidence of credit deterioration since origination are considered purchased credit impaired loans  These loans are recorded at the fair value of the amount paid, such that there is no carryover of the seller’s allowance for loan losses.

Such purchased loans are accounted for individually.  The Corporation estimates the amount and timing of expected cash flows for each purchased loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield).  The excess of the loan’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).

After acquisition, losses are recognized by an increase in the allowance for loan losses.  Over the life of the loan expected cash flows continue to be estimated.  If the present value of expected cash flows is less than the carrying amount, a reserve is established.  If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.  These loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.

TROUBLED DEBT RESTRUCTURINGS

Troubled debt restructuring (“TDR”) is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise.  Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs.  Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms, or by the presence of other significant items.

ALLOWANCE FOR LOAN LOSSES

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.  The allowance is established based on management’s evaluation of the probable inherent losses in our portfolio in accordance with GAAP, and is comprised of both specific valuation allowances and general valuation allowances.
 
A loan is classified as impaired when, based on current information and events, it is probable that the Corporation will be unable to collect both the principal and interest due under the contractual terms of the loan agreement.  Specific valuation allowances are established based on management’s analyses of individually impaired loans.  Factors considered by management in determining impairment include payment status, evaluations of the underlying collateral, expected cash flows, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired.  Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed.  If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal and a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.  Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.  For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.  These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans, troubled debt restructurings, and other modifications (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the impact of the global economy.

The allowance for loan losses is increased through a provision for loan losses charged to operations.  Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.  Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience and review of specific impaired loans.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.  In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

PREMISES AND EQUIPMENT

Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture.  Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset.

OTHER REAL ESTATE

Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition to establish a new carrying value.  Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.  Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.

INCOME TAXES

The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards.  Deferred tax assets and liabilities are measured using enacted tax rates to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.  A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.

A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.

WEALTH MANAGEMENT GROUP FEE INCOME

Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.  The unaudited market value of trust assets under administration total $1.888 billion at December 31, 2013 and $1.735 billion at December 31, 2012.

POSTRETIREMENT BENEFITS

Pension Plan:

The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.  The Pension Plan is a “qualified plan” under the IRS Code and therefore must be funded.  Contributions are deposited to the Plan and held in trust.  The Plan assets may only be used to pay retirement benefits and eligible plan expenses.  The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.  Bonuses, overtime, commissions and dividends are excluded.  The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.  Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.  Compensation for purposes of determining benefits under the Plan is reviewed annually.

Defined Contribution Profit Sharing, Savings and Investment Plan:

The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.  The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.  The plan’s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.
 
Defined Benefit Health Care Plan:

The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements.  This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current and future retirees between the ages of 55 and 65, will continue to be eligible for coverage under the Corporation's self insured plan, contributing 50% of the cost of the coverage. Employees who retire after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.  The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.

Executive Supplemental Pension Plan:

U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.  The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.  Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.

The Executive Supplemental Pension Plan is a “non-qualified plan” under the Internal Revenue Service Code.  Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.  When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to other operating expense in the consolidated statements of income.

Defined Contribution Supplemental Executive Retirement Plan:

The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events.  The Defined Contribution Supplemental Executive Retirement Plan will deliver a retirement benefit comparable to that received by other executive officers participating in the bank’s Defined Benefit Plan.

The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.  The plan’s expense is the Corporation’s annual contribution plus interest credits.
 
STOCK-BASED COMPENSATION

Restricted Stock Plan:

The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Corporation’s executives and senior managers with the interests of the Corporation and its shareholders, to ensure the Corporation’s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.  Under the terms of the Plan, the Corporation may make discretionary grants of restricted shares of the Corporation’s common stock to or for the benefit of employees selected to participate in the Plan.  Each officer of the Corporation, other than the Corporation’s chief executive officer, is eligible to participate in the Plan.  Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.  The maximum number of shares of the Corporation’s common stock that may be awarded as restricted shares to Plan participants may not exceed fifteen thousand (15,000) per calendar year.  Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.  Except in the case of the participant’s death, disability, or in the event of a change in control, the participant’s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Corporation or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.  The plan’s expense is recognized as compensation expense ratably over the vesting period for the fair value of the award, measured at the grant date.

Deferred Directors Fee Plan:

A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.  Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Corporation’s common stock purchased on the deferral date.  Cash deferrals will be paid into an interest bearing account and paid in cash.  Units will be paid in shares of common stock.  All directors’ fees are charged to other operating expense in the consolidated statements of income.

Directors’ Compensation Plan:

The purpose of the Directors’ Compensation Plan is to enable the Corporation to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Corporation.  The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Corporation and the Bank.  The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Corporation’s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Corporation and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Corporation and the Bank for his service on the Boards of Directors of the Corporation and the Bank in an amount equal in value to the average cash compensation awarded to non-employee directors who have served twelve (12) months of the previous year.   The maximum number of shares of Corporation’s common stock that may be granted under the Plan may not exceed twenty thousand (20,000) per year.  The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior thirty (30) trading days ending on December 31st of the calendar year.  The cost of all cash and stock compensation is charged to other operating expenses in the consolidated statements of income.
 
Incentive Compensation Plan:

The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.  The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Corporation and the Bank and to expend maximum effort to improve the business results and earnings of the Corporation by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Corporation.  To this end, the Incentive Compensation Plan provides for the discretionary grant of cash and/or unrestricted stock, i.e., common stock of the Corporation that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.  The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is ten thousand (10,000) per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000.  The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board.  The cost of all cash and unrestricted stock compensation is charged to other operating expenses in the consolidated statements of income.

Non-qualified Deferred Compensation Plan:

The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.  Eligible employees are generally highly compensated employees and are designated by the Board from time to time.  Investments in the plan are recorded as trading assets and deferred amounts are an unfunded liability of the Corporation.  The plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code.  The income from investments and cost of the plan are recorded as other operating income and other operating expenses, respectively, in the consolidated statements of income.

GOODWILL AND INTANGIBLE ASSETS

Goodwill resulting from business combinations prior to January 1, 2009 represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill resulting from business combinations after January 1, 2009, is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  The Corporation has selected December 31 as the date to perform the annual impairment test. Goodwill is the only intangible asset with an indefinite life on our balance sheet.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The balances are reviewed for impairment on an ongoing basis or whenever events or changes in business circumstances warrant a review of the carrying value.  If impairment is determined to exist, the related write-down of the intangible asset's carrying value is charged to operations.  Based on these impairment reviews, the Corporation determined that goodwill and other intangible assets were not impaired at December 31, 2013.

The Corporation's intangible assets with definite useful lives resulted from the purchase of the trust business of Partners Trust Bank in May of 2007, the acquisition of three former M&T Bank branch offices in March 2008, the acquisition of Canton Bancorp, Inc. in May 2009, the acquisition of Fort Orange Financial Corp. in April 2011 and the acquisition of six branches of Bank of America in November of 2013, with balances of $2,719,873, $86,862, $17,547, $1,443,014 and $2,109,781, respectively, at December 31, 2013.  The trust business intangible is being amortized to expense over the expected useful life of 15 years.  The identifiable core deposit and customer relationship intangibles related to the M&T branch offices, and Canton Bancorp, Inc. acquisitions are being amortized to expense using a 7.25 year accelerated method.  The identifiable core deposit related to the branch offices in the Bank of America acquisition is being amortized to expense using a 7 year accelerated method.  The identifiable core deposit intangible related to the FOFC acquisition is being amortized using a 10 year sum-of-the-years digits method.

EARNINGS PER COMMON SHARE

Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period.  Issuable shares including those related to directors’ restricted stock units and directors’ stock compensation are considered outstanding and are included in the computation of basic earnings per share as they are earned.  All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Restricted stock awards are grants of participating securities.  The impact of the participating securities on earnings per share is not material.  Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur.

COMPREHENSIVE INCOME

Comprehensive income consists of net income and other comprehensive income.  Other comprehensive income includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation’s defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.

CASH AND CASH EQUIVALENTS

Cash and cash equivalents include cash and amounts due from banks and interest-bearing deposits with other financial institutions.

TRADING ASSETS

Securities that are held to fund a non-qualified deferred compensation plan are recorded at fair value with changes in fair value included in earnings.

SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

The Corporation enters into sales of securities under agreements to repurchase.  The agreements are treated as financings, and the obligations to repurchase securities sold are reflected as liabilities in the consolidated balance sheets. The amount of the securities underlying the agreements continues to be carried in the Corporation's securities portfolio.  The Corporation has agreed to repurchase securities identical to those sold.  The securities underlying the agreements are under the Corporation's control.

OTHER FINANCIAL INSTRUMENTS

The Corporation is a party to certain other financial instruments with off-balance sheet risk such as unused portions of lines of credit and commitments to fund new loans.  The Corporation's policy is to record such instruments when funded.

SEGMENT REPORTING

The Corporation has identified separate operating segments and internal financial information is primarily reported and aggregated in two lines of business, banking and wealth management services.

RECLASSIFICATION

Amounts in the prior years' consolidated financial statements are reclassified whenever necessary to conform with the current year's presentation.
 
SUBSEQUENT EVENTS

The Corporation owned one CDO consisting of a pool of trust preferred securities at December 31, 2013.  This CDO was liquidated and the Corporation will record in the other operating income category approximately $0.5 million during the first quarter of 2014.  The Corporation does not own any other CDO’s in its investment securities portfolio.

ADOPTION OF NEW ACCOUNTING STANDARDS

In February 2013, the FASB issued Accounting Standards Update (“ASU”) No. 2013-02, “Comprehensive Income (Topic 220) – Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.”  ASU 2013-02 amends recent guidance related to the reporting of comprehensive income to enhance the transparency of the reporting of reclassifications out of accumulated other comprehensive income.  ASU 2013-02 became effective for the Corporation on January 1, 2013 and did not have a material impact on the Corporation’s financial statements.  The additional disclosures are included in Note 18 Accumulated Other Comprehensive Income or Loss.
 
XML 37 R62.htm IDEA: XBRL DOCUMENT v2.4.0.8
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Summary of securities sold under agreements to repurchase [Abstract]      
Balance at December 31 $ 32,701,223 $ 32,710,650 $ 37,106,842
Maximum month-end balance 32,701,223 38,283,747 51,183,631
Average balance during year 31,101,784 34,534,496 43,731,872
Weighted-average interest rate, period end (in hundredths) 2.93% 3.02% 3.20%
Average interest rate paid during period (in hundredths) 2.76% 2.88% 3.14%
Assets Sold under Agreements to Repurchase [Line Items]      
Securities sold under agreements to repurchase 32,701,223 32,710,650 37,106,842
Repurchase Liability 32,701,223 [1]    
Accrued Interest Payable 65,766 [1]    
Weighted Average Rate (in hundredths) 2.93% [1]    
Estimated Fair Value of Collateral Securities 41,021,218 [1],[2]    
Accrued interest receivable included in fair value of repurchase agreements 328,000    
Within 90 days [Member]
      
Assets Sold under Agreements to Repurchase [Line Items]      
Repurchase Liability 12,701,223 [1]    
Accrued Interest Payable 0 [1]    
Weighted Average Rate (in hundredths) 0.10% [1]    
Estimated Fair Value of Collateral Securities 16,529,108 [1],[2]    
After 90 days but within one year [Member]
      
Assets Sold under Agreements to Repurchase [Line Items]      
Repurchase Liability 0 [1]    
Accrued Interest Payable 0 [1]    
Weighted Average Rate (in hundredths) 0.00% [1]    
Estimated Fair Value of Collateral Securities 0 [1],[2]    
After one year but within five years [Member]
      
Assets Sold under Agreements to Repurchase [Line Items]      
Repurchase Liability 20,000,000 [1]    
Accrued Interest Payable 65,766 [1]    
Weighted Average Rate (in hundredths) 4.13% [1]    
Estimated Fair Value of Collateral Securities 24,492,110 [1],[2]    
After five years but within ten years [Member]
      
Assets Sold under Agreements to Repurchase [Line Items]      
Repurchase Liability 0 [1]    
Accrued Interest Payable 0 [1]    
Weighted Average Rate (in hundredths) 0.00% [1]    
Estimated Fair Value of Collateral Securities $ 0 [1],[2]    
Without Call Provisions [Member]
      
Assets Sold under Agreements to Repurchase [Line Items]      
Weighted Average Rate (in hundredths) 1.85%    
Weight average remaining term to maturity 2 months 9 days    
[1] At December 31, 2013, the securities repurchase agreements were non-callable with a weighted-average rate of 1.85%, and a weighted-average term to maturity of approximately 2.3 years.
[2] Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $328 thousand at December 31, 2013
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FAIR VALUES (Tables)
 12 Months Ended
Dec. 31, 2013
FAIR VALUES [Abstract]  
Summary of assets and liabilities measured at fair value on a recurring basis
Assets and liabilities measured at fair value on a recurring basis are summarized below:

  
Fair Value Measurement at December 31, 2013 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Significant
Unobservable
Inputs
(Level 3)
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
188,106,208
  
$
31,261,500
  
$
156,844,708
  
$
-
 
Mortgage-backed securities, residential
  
104,356,521
   
-
   
104,356,521
   
-
 
Obligations of states and political subdivisions
  
38,376,222
   
-
   
38,376,222
   
-
 
Collateralized mortgage obligations
  
1,014,876
   
-
   
1,014,876
   
-
 
Corporate bonds and notes
  
2,945,807
   
-
   
2,945,807
   
-
 
SBA loan pools
  
1,487,579
   
-
   
1,487,579
   
-
 
Trust Preferred securities
  
2,033,594
   
-
   
2,033,594
   
-
 
Corporate stocks
  
7,695,099
   
7,279,075
   
416,024
   
-
 
Total available for sale securities
 
$
346,015,906
  
$
38,540,575
  
$
307,475,331
  
$
-
 
 
                
Trading assets
 
$
366,255
  
$
366,255
  
$
-
  
$
-
 

  
Fair Value Measurement at December 31, 2012 Using
 
Financial Assets:
 
Fair Value
  
Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)
  
Significant
Other
Observable
 Inputs
(Level 2)
  
Significant
Unobservable
Inputs
(Level 3)
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
141,591,214
  
$
37,698,000
  
$
103,893,214
  
$
-
 
Mortgage-backed securities, residential
  
31,515,249
   
-
   
31,515,249
   
-
 
Obligations of states and political subdivisions
  
40,814,722
   
-
   
40,814,722
   
-
 
Collateralized mortgage obligations
  
3,543,360
   
-
   
3,543,360
   
-
 
Corporate bonds and notes
  
11,651,635
   
-
   
11,651,635
   
-
 
SBA loan pools
  
1,724,140
   
-
   
1,724,140
   
-
 
Trust Preferred securities
  
2,470,913
   
-
   
2,025,313
   
445,600
 
Corporate stocks
  
6,374,530
   
5,720,533
   
653,997
   
-
 
Total available for sale securities
 
$
239,685,763
  
$
43,418,533
  
$
195,821,630
  
$
445,600
 
 
                
Trading assets
 
$
348,241
  
$
348,241
  
$
-
  
$
-
 
Changes in unrealized gains and losses recorded in earnings
The tables below present a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2013 and 2012:

Trust Preferred Securities Available for Sale
 
Fair Value Measurement
twelve-months ended
December 31, 2013 Using Significant Unobservable
Inputs (Level 3)
  
Fair Value Measurement
twelve-months ended
December 31, 2012 Using Significant Unobservable
Inputs (Level 3)
 
Beginning balance
 
$
445,600
  
$
294,910
 
Total gains/losses (realized/unrealized):
        
Included in earnings:
        
Loss on securities
  
-
 
  
-
 
Impairment charge on investment securities
  
(29,025
)   
-
 
Included in other comprehensive income
  
183,425
   
150,690
 
Transfers in and/or out of Level 3
  
(600,000
)
  
-
 
Ending balance, December 31
 
$
-
  
$
445,600
 
Summary of assets and liabilities measured at fair value on a non-recurring basis
 
Assets and liabilities measured at fair value on a non-recurring basis are summarized below:

     
Fair Value Measurement at
December 31, 2013 Using
 
Financial Assets:
 
Fair Value
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant Other Observable Inputs
(Level 2)
   
Significant Unobservable Inputs
(Level 3)
 
Impaired Loans:
                               
Commercial and agricultural:
                               
  Commercial and industrial
 
$
460,386
   
$
-
   
$
-
   
$
460,386
 
Commercial mortgages:
           
-
     
-
         
  Commercial mortgages other
   
485,186
     
-
     
-
     
485,186
 
Consumer loans:
                               
  Home equity lines and loans
   
53,856
                     
53,856
 
     Total Impaired Loans
 
$
999,428
   
$
-
   
$
-
   
$
999,428
 
Other real estate owned:
                               
Commercial and agricultural:
                               
  Commercial and industrial
 
$
101,200
   
$
-
   
$
-
   
$
101,200
 
Commercial mortgages:
                               
  Commercial mortgages other
   
265,702
     
-
     
-
     
265,702
 
Residential mortgages
   
106,270
     
-
     
-
     
106,270
 
Consumer loans:
                               
  Home equity lines and loans
   
64,859
     
-
     
-
     
64,859
 
     Total Other real estate owned, net
 
$
538,031
   
$
-
   
$
-
   
$
538,031
 
 
     
Fair Value Measurement at December 31, 2012 Using
 
Financial Assets:
 
Fair Value
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant Other Observable Inputs
(Level 2)
   
Significant Unobservable Inputs
(Level 3)
 
Impaired Loans:
                               
Commercial and agricultural:
                               
  Commercial and industrial
 
$
311,801
   
$
-
   
$
-
   
$
311,801
 
Commercial mortgages:
           
-
     
-
         
  Commercial mortgages other
   
303,821
     
-
     
-
     
303,821
 
     Total Impaired Loans
 
$
615,622
   
$
-
   
$
-
   
$
615,622
 
Other real estate owned:
                               
Commercial and agricultural:
                               
  Commercial and industrial
 
$
101,200
   
$
-
   
$
-
   
$
101,200
 
Commercial mortgages:
                               
  Commercial mortgages other
   
257,702
     
-
     
-
     
257,702
 
Residential mortgages
   
201,679
     
-
     
-
     
201,679
 
Consumer loans:
                               
  Home equity lines and loans
   
4,000
     
-
     
-
     
4,000
 
     Total Other real estate owned, net
 
$
564,581
   
$
-
   
$
-
   
$
564,581
 

Nonrecurring fair value measurement , Valuation Techniques
 
The following table presents information related to Level 3 non-recurring fair value measurement at December 31, 2013 and December 31, 2012:

Description
 
Fair Value at December 31, 2013
   
Technique
   
Unobservable Inputs
 
Impaired loans
 
$
999,428
   
Third party real estate and a 100% discount of personal property
   
1
Management discount based on underlying collateral characteristics and market conditions
 
                       
Other real estate owned
 
$
538,031
   
Third party appraisals
   
1
Estimated holding  period
 
                 
2
Estimated closing costs
 

Description
 
Fair Value at December 31, 2012
   
Technique
   
Unobservable Inputs
 
Impaired loans
 
$
615,622
   
Third party real estate and a 100% discount of personal property
   
1
Management discount based on underlying collateral characteristics and market conditions
 
                       
Other real estate owned
 
$
564,581
   
Third party appraisals
   
1
Estimated holding  period
 
                 
2
Estimated closing costs
 


Carrying value and estimated fair value of financial instruments
 
The carrying amounts and estimated fair values of other financial instruments, at December 31, 2013 and December 31, 2012, are as follows (dollars in thousands):
   
Fair Value Measurements at December 31, 2013
     
Financial Assets:
 
Carrying Amount
 
Quoted Prices in Active Markets for Identical Assets (Level 1)
 
Significant Other Observable Inputs(Level 2)
   
Significant Unobservable Inputs(Level 3)
   
Estimated Fair Value (1)
   
Cash and due from financial
  institutions
$
31,600,112
 
$
31,600,112
 
$
-
 
 
 $
-
 
$
31,600,112
 
Interest-bearing deposits in other
  financial institutions
 
20,009,352
   
20,009,352
   
-
     
-
   
20,009,352
 
Trading assets
 
366,255
   
366,255
   
-
     
-
   
366,255
 
Securities available for sale
 
346,015,906
   
38,540,575
   
307,475,331
     
-
   
346,015,906
 
Securities held to maturity
 
6,494,924
   
-
   
6,929,549
     
-
   
6,929,549
 
Federal Home Loan and Federal
  Reserve Bank stock
 
4,481,750
   
-
   
-
     
-
   
N/A
 
Loans, net
 
983,090,196
   
-
   
-
     
1,008,826,162
   
1,008,826,162
 
Loans held for sale
 
694,840
   
-
   
694,840
     
-
   
694,840
 
Accrued interest receivable
 
4,166,423
   
145,166
   
1,468,186
     
2,553,071
   
4,166,423
 
Financial liabilities:
                               
Deposits:
                               
Demand, savings, and insured
  money market accounts
$
1,018,878,175
 
$
1,018,878,175
 
$
-
   
$
-
 
$
1,018,878,175
 
Time deposits
 
244,491,486
   
-
   
245,481,933
     
-
   
245,481,933
 
Securities sold under agreements
  to repurchase
 
32,701,223
   
-
   
33,636,052
     
-
   
33,636,052
 
Federal Home Loan Bank advances
 
25,242,628
   
-
   
26,063,973
     
-
   
26,063,973
 
Accrued interest payable
 
335,818
   
14,445
   
170,328
     
151,045
   
335,818
 
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
 
   
 
 
 
   
Fair Value Measurements at December 31, 2012
     
Financial Assets:
 
Carrying Amount
 
Quoted Prices in Active Markets for Identical Assets (Level 1)
 
Significant Other Observable Inputs (Level 2)
   
Significant Unobservable Inputs (Level 3)
   
Estimated Fair Value (1)
   
Cash and due from financial
  institutions
$
29,239,309
 
$
29,239,309
 
$
-
   
$
-
 
$
29,239,309
 
Interest-bearing deposits in other
  financial institutions
 
11,001,912
   
8,444,188
   
2,557,724
     
-
   
11,001,912
 
Trading assets
 
348,241
   
348,241
   
-
     
-
   
348,241
 
Securities available for sale
 
239,685,763
   
43,418,533
   
195,821,630
     
445,600
   
239,685,763
 
Securities held to maturity
 
5,748,453
   
-
   
6,421,486
     
-
   
6,421,486
 
Federal Home Loan and Federal
  Reserve Bank stock
 
4,710,300
   
-
   
-
     
-
   
N/A
 
Loans, net
 
883,084,291
   
-
   
-
     
916,289,444
   
916,289,444
 
Loans held for sale
 
1,057,309
   
-
   
1,057,309
     
-
   
1,057,309
 
Accrued interest receivable
 
3,787,923
   
174,827
   
1,257,260
     
2,355,836
   
3,787,923
 
Financial liabilities:
                               
Deposits:
                               
Demand, savings, and insured
  money market accounts
$
808,043,960
 
$
808,043,960
 
$
-
   
$
-
 
$
808,043,960
 
Time deposits
 
236,690,054
   
-
   
238,245,225
     
-
   
238,245,225
 
Securities sold under agreements
  to repurchase
 
32,710,650
   
-
   
35,259,782
     
-
   
35,259,782
 
Federal Home Loan Bank advances
 
27,225,363
   
-
   
29,688,198
     
-
   
29,688,198
 
Accrued interest payable
 
452,629
   
11,793
   
278,988
     
161,848
   
452,629
 
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
   
 

XML 40 R29.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]  
ORGANIZATION
ORGANIZATION

Chemung Financial Corporation (the "Corporation"), through its wholly owned subsidiaries, Chemung Canal Trust Company (the "Bank") and CFS Group, Inc., provides a wide range of banking, financing, fiduciary and other financial services to its clients.  The Corporation is subject to the regulations of certain federal and state agencies and undergoes periodic examinations by those regulatory agencies.
 
BASIS OF PRESENTATION
BASIS OF PRESENTATION

The accompanying consolidated financial statements have been prepared in conformity with accounting principles generally accepted in the United States of America and include the accounts of the Corporation and its subsidiaries.  All significant intercompany balances and transactions are eliminated in consolidation.

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 based on available information.  These estimates and assumptions affect the amounts reported in the financial statements and disclosures provided, and actual results could differ.  The allowance for loan losses, other-than-temporary impairment of investment securities and goodwill and other intangibles are particularly subject to change.
 
SECURITIES
SECURITIES

Management determines the appropriate classification of securities at the time of purchase.  If management has the intent and the Corporation has the ability at the time of purchase to hold securities until maturity, they are classified as held to maturity and carried at amortized cost.  Securities to be held for indefinite periods of time or not intended to be held to maturity are classified as available for sale and carried at fair value.  Unrealized holding gains and losses on securities classified as available for sale are excluded from earnings and are reported as accumulated other comprehensive income (loss) in shareholders' equity, net of the related tax effects, until realized. Realized gains and losses are determined using the specific identification method.

Management evaluates securities for other-than-temporary impairment (“OTTI”) on at least a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation.  For securities in an unrealized loss position, management considers the extent and duration of the unrealized loss, and the financial condition and near-term prospects of the issuer.  Management also assesses whether it intends to sell, or it is more likely than not that it will be required to sell, a security in an unrealized loss position before recovery of its amortized cost basis. If either of the criteria regarding intent or requirement to sell is met, the entire difference between amortized cost and fair value is recognized as impairment through earnings.  For debt securities that do not meet the aforementioned criteria, the amount of impairment is split into two components as follows: 1) OTTI related to credit loss, which must be recognized in the income statement and 2) other-than-temporary impairment (OTTI) related to other factors, which is recognized in other comprehensive income.  The credit loss is defined as the difference between the present value of the cash flows expected to be collected and the amortized cost basis. For equity securities, the entire amount of impairment is recognized through earnings.

In order to determine OTTI for purchased beneficial interests that, on the purchase date, were not highly rated, the Corporation compares the present value of the remaining cash flows as estimated at the preceding evaluation date to the current expected remaining cash flows.  OTTI is deemed to have occurred if there has been an adverse change in the remaining expected future cash flows.

Securities are placed on non-accrual status when management believes there are significant doubts regarding the ultimate collectability of interest and/or principal. Premiums and discounts are amortized or accreted over the life of the related security as an adjustment of yield using the interest method. Dividend and interest income is recognized when collected.
 
FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK
FEDERAL HOME LOAN BANK AND FEDERAL RESERVE BANK STOCK

The Bank is a member of both the FHLBNY and the FRBNY.  FHLBNY members are required to own a certain amount of stock based on the level of borrowings and other factors, while FRBNY members are required to own a certain amount of stock based on a percentage of the Bank’s capital stock and surplus.  FHLBNY and FRBNY stock are carried at cost and classified as non-marketable equities and periodically evaluated for impairment based on ultimate recovery of par value.  Cash dividends are reported as income.
 
BANK OWNED LIFE INSURANCE
BANK OWNED LIFE INSURANCE

Bank Owned Life Insurance ("BOLI") is recorded at the amount that can be realized under the insurance contracts at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement.  Changes in the cash surrender value are recorded in other income.
 
LOANS HELD FOR SALE
LOANS HELD FOR SALE

Certain mortgage loans are originated with the intent to sell.  Loans held for sale are recorded at the lower of cost or fair value in the aggregate.  Loans held for sale, as well as the commitments to sell the loans that are originated for sale, are regularly evaluated for changes in fair value.  If necessary, a valuation allowance is established with a charge to income for unrealized losses attributable to a change in market rates.
 
LOANS
LOANS

Loans are stated at the amount of unpaid principal balance less unearned discounts and net deferred origination fees and costs.  The Corporation has the ability and intent to hold its loans for the foreseeable future.  The Corporation’s loan portfolio, including acquired loans, is comprised of the following segments: (i) commercial, financial and agricultural, (ii) commercial mortgages, (iii) residential mortgages and (iv) consumer loans.

Commercial and agricultural loans primarily consist of loans to small to mid-sized businesses in the Corporation’s market area in a diverse range of industries.  These loans are typically made on the basis of the borrower’s ability to make repayment from the cash flow of the borrower’s business.  Commercial mortgage loans are generally non-owner occupied commercial properties or owner occupied commercial real estate with larger balances.  Repayment of these loans is often dependent upon the successful operation and management of the properties and the businesses occupying the properties, as well as on the collateral securing the loan.  Residential mortgage loans are generally made on the basis of the borrower’s ability to make repayment from their employment and other income, but are secured by real property.  Consumer loans include home equity lines of credit and home equity loans, which exhibit many of the same characteristics as residential mortgages.  Indirect and other consumer loans are typically secured by depreciable assets, such as automobiles or boats, and are dependent on the borrower’s continuing financial stability.

Interest on loans is accrued and credited to operations using the interest method.  Past due status is based on the contractual terms of the loan.  The accrual of interest is generally discontinued and previously accrued interest is reversed when loans become 90 days delinquent.  Loans may also be placed on non-accrual status if management believes such classification is otherwise warranted.  All payments received on non accrual loans are applied to principal.  Loans are returned to accrual status when they become current as to principal and interest and remain current for a period of six consecutive months or when, in the opinion of management, the Corporation expects to receive all of its original principal and interest.  Loan origination fees and certain direct loan origination costs are deferred and amortized over the life of the loan as an adjustment to yield, using the interest method.
 
ACQUIRED LOANS
ACQUIRED LOANS

Non-Impaired Acquired Loans:

Loans acquired are initially recorded at fair value with no carryover of the related allowance for loan losses.  After acquisition, losses beyond those estimated in determining the initial fair value are recognized through the allowance for loan losses.  Determining fair value of the loans involves estimating the amount and timing of expected principal and interest cash flows to be collected on the loans and discounting those cash flows at a market interest rate.

Purchased Credit Impaired Loans:

Loans acquired that show evidence of credit deterioration since origination are considered purchased credit impaired loans  These loans are recorded at the fair value of the amount paid, such that there is no carryover of the seller’s allowance for loan losses.

Such purchased loans are accounted for individually.  The Corporation estimates the amount and timing of expected cash flows for each purchased loan and the expected cash flows in excess of amount paid is recorded as interest income over the remaining life of the loan (accretable yield).  The excess of the loan’s contractual principal and interest over expected cash flows is not recorded (nonaccretable difference).

After acquisition, losses are recognized by an increase in the allowance for loan losses.  Over the life of the loan expected cash flows continue to be estimated.  If the present value of expected cash flows is less than the carrying amount, a reserve is established.  If the present value of expected cash flows is greater than the carrying amount, it is recognized as part of future interest income.  These loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.
 
TROUBLED DEBT RESTRUCTURINGS
TROUBLED DEBT RESTRUCTURINGS

Troubled debt restructuring (“TDR”) is a formally renegotiated loan in which the Bank, for economic or legal reasons related to a borrower’s financial difficulties, grants a concession to the borrower that would not have been granted to the borrower otherwise.  Not all loans that are restructured as a TDR are classified as non-accrual before the restructuring occurs.  Restructured loans can convert from non-accrual to accrual status when said loans have demonstrated performance, generally evidenced by six months of payment performance in accordance with the restructured terms, or by the presence of other significant items.
 
ALLOWANCE FOR LOAN LOSSES
ALLOWANCE FOR LOAN LOSSES

The allowance is an amount that management believes will be adequate to absorb probable incurred losses on existing loans.  The allowance for loan losses is increased through a provision for loan losses charged to operations.  Loans are charged against the allowance for loan losses when management believes that the collectability of all or a portion of the principal is unlikely.  Management's evaluation of the adequacy of the allowance for loan losses is performed on a periodic basis and takes into consideration such factors as the credit risk grade assigned to the loan, historical loan loss experience (general component) and review of specific impaired loans (including evaluations of the underlying collateral and expected cash flows).  Historical loss experience is adjusted by management based on their judgment as to the current impact of qualitative factors including changes in the composition and volume of the loan portfolio, overall portfolio quality, and current economic conditions that may affect the borrowers' ability to pay.  Management believes that the allowance for loan losses is adequate to absorb probable incurred losses.  While management uses available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions.  In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Corporation's allowance for loan losses. Such agencies may require the Corporation to recognize additions to the allowance based on their judgments about information available to them at the time of their examination.

Management, after considering current information and events regarding the borrower's ability to repay their obligations, classifies a loan as impaired when it is probable that the Corporation will be unable to collect all amounts due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. If a loan is determined to be impaired and is placed on nonaccrual status, all future payments received are applied to principal.

If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral.  Troubled debt restructurings are impaired loans.

The general component covers non-impaired loans and is based on historical loss experience adjusted for current factors.  Loans not impaired but classified as substandard and special mention use a historical loss factor on a rolling five year history of net losses.  For all other unclassified loans, the historical loss experience is determined by portfolio class and is based on the actual loss history experienced by the Corporation over the most recent two years.  This actual loss experience is supplemented with other qualitative factors based on the risks present for each portfolio class.  These qualitative factors include consideration of the following: (1) lending policies and procedures, including underwriting standards and collection, charge-off and recovery policies, (2) national and local economic and business conditions and developments, including the condition of various market segments, (3) loan profiles and volume of the portfolio, (4) the experience, ability, and depth of lending management and staff, (5) the volume and severity of past due, classified and watch-list loans, non-accrual loans and troubled debt restructurings, (6) the quality of the Bank’s loan review system and the degree of oversight by the Bank’s Board of Directors, (7) collateral related issues: secured vs. unsecured, type, declining valuation environment and trend of other related factors, (8) the existence and effect of any concentrations of credit, and changes in the level of such concentrations, (9) the effect of external factors, such as competition and legal and regulatory requirements, on the level of estimated credit losses in the Bank’s current portfolio and (10) the recession threat from United States and European fiscal crises.
 
PREMISES AND EQUIPMENT
PREMISES AND EQUIPMENT

Land is carried at cost, while buildings, equipment, leasehold improvements and furniture are stated at cost less accumulated depreciation and amortization. Depreciation is charged to current operations under the straight-line method over the estimated useful lives of the assets, which range from 15 to 50 years for buildings and from 3 to 10 years for equipment and furniture.  Amortization of leasehold improvements and leased equipment is recognized on the straight-line method over the shorter of the lease term or the estimated life of the asset.
 
OTHER REAL ESTATE
OTHER REAL ESTATE

Real estate acquired through foreclosure or deed in lieu of foreclosure is recorded at estimated fair value of the property less estimated costs to dispose at the time of acquisition.  Write downs from the carrying value of the loan to estimated fair value which are required at the time of foreclosure are charged to the allowance for loan losses.  Subsequent adjustments to the carrying values of such properties resulting from declines in fair value are charged to operations in the period in which the declines occur.
 
INCOME TAXES
INCOME TAXES

The Corporation files a consolidated tax return. Deferred tax assets and liabilities are recognized for future tax consequences attributable to temporary differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases, and for unused tax loss carry forwards.  Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which temporary differences are expected to be recovered or settled, or the tax loss carry forwards are expected to be utilized. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.  A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized.

A tax position is recognized as a benefit only if it is "more likely than not" that the tax position would be sustained in a tax examination, with a tax examination being presumed to occur.  The amount recognized is the largest amount of tax benefit that is greater than 50% likely of being realized on examination.  For tax positions not meeting the "more likely than not" test, no tax benefit is recorded.
 
WEALTH MANAGEMENT GROUP FEE INCOME
WEALTH MANAGEMENT GROUP FEE INCOME

Assets held in a fiduciary or agency capacity for customers are not included in the accompanying consolidated balance sheets, since such assets are not assets of the Corporation. Wealth Management Group income is recognized on the accrual method as earned based on contractual rates applied to the balances of individual trust accounts.  The unaudited market value of trust assets under administration total $1.888 billion at December 31, 2013 and $1.735 billion at December 31, 2012.
 
POSTRETIREMENT BENEFITS
POSTRETIREMENT BENEFITS

Pension Plan:

The Chemung Canal Trust Company Pension Plan is a non-contributory defined benefit pension plan.  The Pension Plan is a “qualified plan” under the IRS Code and therefore must be funded.  Contributions are deposited to the Plan and held in trust.  The Plan assets may only be used to pay retirement benefits and eligible plan expenses.  The plan was amended such that new employees hired on or after July 10, 2010 will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment has resulted in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

Under the Plan, pension benefits are based upon final average annual compensation where the annual compensation is total base earnings paid plus 401(k) salary deferrals.  Bonuses, overtime, commissions and dividends are excluded.  The normal retirement benefit equals 1.2% of final average compensation (highest consecutive five years of annual compensation in the prior ten years) times years of service (up to a maximum of 25 years), plus 1% of average monthly compensation for each additional year of service (up to a maximum of 10 years), plus .65% of average monthly compensation in excess of covered compensation for each year of credited service up to 35 years.  Covered compensation is the average of the social security taxable wage bases in effect for the 35 year period prior to normal social security retirement age.  Compensation for purposes of determining benefits under the Plan is reviewed annually.

Defined Contribution Profit Sharing, Savings and Investment Plan:

The Corporation also sponsors a 401(K) defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes non-discretionary contributions and discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.  The plan's assets consist of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.  The plan’s expense is the amount of non-discretionary contributions and discretionary matching and profit sharing contributions, and is charged to other expenses in the consolidated statements of income.
 
Defined Benefit Health Care Plan:

The Corporation sponsors a defined benefit health care plan that provides postretirement medical benefits to employees who meet minimum age and service requirements.  This plan was amended effective July 1, 2006. Prior to this amendment, all retirees age 55 or older were eligible for coverage under the Corporation's self-insured health care plan, contributing 40% of the cost of the coverage. Under the amended plan, coverage for Medicare eligible retirees who reside in the Central New York geographic area is provided under a group sponsored plan with Excellus BlueCross BlueShield called Medicare Blue PPO, with the retiree paying 100% of the premium. Excellus BlueCross BlueShield assumes full liability for the payment of health care benefits incurred after July 1, 2006. Current Medicare eligible retirees who reside outside of the Central New York geographic area were eligible for coverage under the Corporation's self insurance plan thru December 31, 2009, contributing 50% of the cost of coverage. Effective January 1, 2010, these out of area retirees were eligible for coverage under a Medicare Supplement Plan C administered by Excellus BlueCross BlueShield, contributing 50% of the premium. Current and future retirees between the ages of 55 and 65, will continue to be eligible for coverage under the Corporation's self insured plan, contributing 50% of the cost of the coverage. Employees who retire after July 1, 2006, and become Medicare eligible will only have access to the Medicare Blue PPO plan. Additionally, effective July 1, 2006, dental benefits were eliminated for all retirees.  The cost of the plan is based on actuarial computations of current and future benefits for employees, and is charged to other operating expenses in the consolidated statements of income.

Executive Supplemental Pension Plan:

U.S. laws place limitations on compensation amounts that may be included under the Pension Plan.  The Executive Supplemental Pension Plan is provided to executives in order to produce total retirement benefits, as a percentage of compensation that is comparable to employees whose compensation is not restricted by the annual compensation limit.  Pension amounts, which exceed the applicable Internal Revenue Service code limitations, will be paid under the Executive Supplemental Pension Plan.

The Executive Supplemental Pension Plan is a “non-qualified plan” under the Internal Revenue Service Code.  Contributions to the Plan are not held in trust; therefore, they may be subject to the claims of creditors in the event of bankruptcy or insolvency.  When payments come due under the Plan, cash is distributed from general assets. The cost of the plan is based on actuarial computations of current and future benefits for executives, and is charged to other operating expense in the consolidated statements of income.

Defined Contribution Supplemental Executive Retirement Plan:

The Defined Contribution Supplemental Executive Retirement Plan is provided to certain executives to motivate and retain key management employees by providing a nonqualified retirement benefit that is payable at retirement, disability, death and certain other events.  The Defined Contribution Supplemental Executive Retirement Plan will deliver a retirement benefit comparable to that received by other executive officers participating in the bank’s Defined Benefit Plan.

The Supplemental Executive Retirement Plan is intended to be an unfunded plan maintained primarily for the purpose of providing deferred compensation benefits for a select group of management or highly compensated employees under Sections 201(2), 301(a)(3) and 401(a)(1) of the Employee Retirement Income Security Act of 1974.  The plan’s expense is the Corporation’s annual contribution plus interest credits.
 
STOCK-BASED COMPENSATION
STOCK-BASED COMPENSATION

Restricted Stock Plan:

The Restricted Stock Plan, in effect as of June 16, 2010, is designed to align the interests of the Company’s executives and senior managers with the interests of the Company and its shareholders, to insure the Company’s compensation practices are competitive and comparable with those of its peers, and to promote the retention of select management-level employees.  Under the terms of the Plan, the Company may make discretionary grants of restricted shares of the Company’s common stock to or for the benefit of employees selected to participate in the Plan.  Each officer of the Company, other than the Company’s chief executive officer, is eligible to participate in the Plan.  Awards are based on the performance, responsibility and contributions of the employee and are targeted at an average of the peer group.  The maximum number of shares of the Company’s common stock that may be awarded as restricted shares to Plan participants may not exceed fifteen thousand (15,000) per calendar year.  Twenty percent of the restricted stock awarded to a participant vests each year commencing with the first anniversary date of the award and is 100 percent vested on the fifth anniversary date.  Except in the case of the participant’s death, disability, or in the event of a change in control, the participant’s unvested shares of unrestricted stock will be forfeited if the participant leaves the employ of the Company or the Bank, with or without cause, or if the participant retires prior to attainment of age 65.

Deferred Directors Fee Plan:

A Deferred Directors Fee Plan for non-employee directors provides that directors may elect to defer receipt of all or any part of their fees.  Deferrals are either credited with interest compounded quarterly at the Applicable Federal Rate for short-term debt instruments or converted to units, which appreciate or depreciate, as would an actual share of the Company’s common stock purchased on the deferral date.  Cash deferrals will be paid into an interest bearing account and paid in cash.  Units will be paid in shares of common stock.

Directors’ Compensation Plan:

The purpose of the Directors’ Compensation Plan is to enable the Company to attract and retain persons of exceptional ability to serve as directors and stockholders in enhancing the value of the common stock of the Company.  The Plan was originally established to provide for the cash payment of an annual retainer and fees to non-employee directors serving on the Board of Directors of the Company and the Bank.  The Plan was subsequently amended to provide: (i) payment of additional compensation to each non-employee director in shares of the Company’s common stock in an amount equal to the total cash compensation earned by each non-employee director during the year for service on the Board of Directors of each of the Company and the Bank, and for each year of service thereafter, to be distributed from treasury shares in January of the following calendar year; and (ii) payment to the President and CEO of the Company and the Bank for his service on the Boards of Directors of the Company and the Bank in an amount equal in value to the average compensation awarded to non-employee directors who have served twelve (12) months of the previous year.   The maximum number of shares of Company common stock that may be granted under the Plan may not exceed twenty thousand (20,000) per year.  The Plan was amended, effective January 1, 2012, to provide that the value of a share of common stock granted under the Plan shall be determined as the average of the closing prices of a share of common stock as quoted on the applicable established securities market for each of the prior thirty (30) trading days ending on December 31st of the calendar year.

Incentive Compensation Plan:

The Incentive Compensation Plan replaces the President and CEO Bonus Plan that was in effect prior to January 1, 2012.  The purpose of the Incentive Compensation Plan is to attract and retain highly qualified officers and key employees, and to motivate such persons to serve the Company and the Bank and to expend maximum effort to improve the business results and earnings of the Company by providing to such persons an opportunity to acquire or increase a direct proprietary interest in the operations and future success of the Company.  To this end, the Incentive Compensation Plan provides for the discretionary grant of unrestricted stock, i.e., common stock of the Company that is free of any restrictions, such as restrictions on transferability, to select officers and key employees as designated by the Board in its sole discretion.  The maximum number of shares that can be awarded as unrestricted stock under the Incentive Compensation Plan to any individual is ten thousand (10,000) per calendar year; and the maximum amount that may be earned in cash as an Incentive Award in any calendar year by any individual is $300,000.  The right of any eligible employee to receive a grant of an incentive award, whether in the form of cash or unrestricted stock, is subject to performance standards that are specified by either the Compensation Committee or the Board.

Non-qualified Deferred Compensation Plan:

The Deferred Compensation Plan allows a select group of management and employees to defer all or a portion of their annual compensation to a future date.  Eligible employees are generally highly compensated employees and are designated by the Board from time to time.  Deferred amounts are an unfunded liability of the Company.  The Plan requires deferral elections be made before the beginning of the calendar year during which the participant will perform the services to which the compensation relates. Participants in the Plan are required to elect a form of distribution, either lump sum payment or annual installments not to exceed ten years, and a time of distribution, either a specified age or a specified date. The terms and conditions for the deferral of compensation are subject to the provisions of 409A of the IRS Code.
 
GOODWILL AND INTANGIBLE ASSETS
GOODWILL AND INTANGIBLE ASSETS

Goodwill resulting from business combinations prior to January 1, 2009 represents the excess of the purchase price over the fair value of the net assets of businesses acquired.  Goodwill resulting from business combinations after January 1, 2009, is generally determined as the excess of the fair value of the consideration transferred, plus the fair value of any noncontrolling interests in the acquiree, over the fair value of the net assets acquired and liabilities assumed as of the acquisition date.  Goodwill and intangible assets acquired in a purchase business combination and determined to have an indefinite useful life are not amortized, but tested for impairment at least annually.  The Corporation has selected December 31 as the date to perform the annual impairment test. Goodwill is the only intangible asset with an indefinite life on our balance sheet.  Intangible assets with definite useful lives are amortized over their estimated useful lives to their estimated residual values.  The balances are reviewed for impairment on an ongoing basis or whenever events or changes in business circumstances warrant a review of the carrying value.  If impairment is determined to exist, the related write-down of the intangible asset's carrying value is charged to operations.  Based on these impairment reviews, the Corporation determined that goodwill and other intangible assets were not impaired at December 31, 2013.

The Corporation's intangible assets with definite useful lives resulted from the purchase of the trust business of Partners Trust Bank in May of 2007, the acquisition of three former M&T Bank branch offices in March 2008, the acquisition of Canton Bancorp, Inc. in May 2009, the acquisition of Fort Orange Financial Corp. in April 2011 and the acquisition of six branches of Bank of America in November of 2013, with balances of $2,719,873, $86,862, $17,547, $1,443,014 and $2,109,781, respectively, at December 31, 2013.  The trust business intangible is being amortized to expense over the expected useful life of 15 years.  The identifiable core deposit and customer relationship intangibles related to the M&T branch offices, Canton Bancorp, Inc. and branches of Bank of America acquisitions are being amortized to expense using a 7.25 year and 7 year accelerated methods, respectively.  The identifiable core deposit intangible related to the FOFC acquisition is being amortized using a 10 year sum-of-the-years digits method.
EARNINGS PER COMMON SHARE
EARNINGS PER COMMON SHARE

Basic earnings per share is net income divided by the weighted average number of common shares outstanding during the period.  Issuable shares including those related to directors’ restricted stock units and directors’ stock compensation are considered outstanding and are included in the computation of basic earnings per share as they are earned.  All outstanding unvested share based payment awards that contain rights to nonforfeitable dividends are considered participating securities for this calculation.  Restricted stock awards are grants of participating securities.  The impact of the participating securities on earnings per share is not material.  Earnings per share information is adjusted to present comparative results for stock splits and stock dividends that occur.
 
COMPREHENSIVE INCOME
COMPREHENSIVE INCOME

Comprehensive income consists of net income and other comprehensive income.  Other comprehensive income includes unrealized gains and losses on securities available for sale and changes in the funded status of the Corporation’s defined benefit pension plan and other benefit plans, net of the related tax effect, which are also recognized as separate components of equity.
 
CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS

Cash and cash equivalents include cash and amounts due from banks and interest-bearing deposits with other financial institutions.
 
TRADING ASSETS
TRADING ASSETS

Securities that are held to fund a non-qualified deferred compensation plan are recorded at fair value with changes in fair value included in earnings.
 
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

The Corporation enters into sales of securities under agreements to repurchase.  The agreements are treated as financings, and the obligations to repurchase securities sold are reflected as liabilities in the consolidated balance sheets. The amount of the securities underlying the agreements continues to be carried in the Corporation's securities portfolio.  The Corporation has agreed to repurchase securities identical to those sold.  The securities underlying the agreements are under the Corporation's control.
 
OTHER FINANCIAL INSTRUMENTS
OTHER FINANCIAL INSTRUMENTS

The Corporation is a party to certain other financial instruments with off-balance sheet risk such as unused portions of lines of credit and commitments to fund new loans.  The Corporation's policy is to record such instruments when funded.
 
SEGMENT REPORTING
SEGMENT REPORTING

The Corporation has identified separate operating segments and internal financial information is primarily reported and aggregated in two lines of business, banking and wealth management advisory services.
 
RECLASSIFICATION
RECLASSIFICATION

Amounts in the prior years' consolidated financial statements are reclassified whenever necessary to conform with the current year's presentation.
 
SUBSEQUENT EVENTS
SUBSEQUENT EVENTS

The Corporation owned one CDO consisting of a pool of trust preferred securities at December 31, 2013.  This CDO was liquidated and the Corporation will record in the other operating income category approximately $0.5 million during the first quarter of 2014.  The Corporation does not own any other CDO’s in its investment securities portfolio.
 
ADOPTION OF NEW ACCOUNTING STANDARDS
ADOPTION OF NEW ACCOUNTING STANDARDS

In February 2013, the FASB issued Accounting Standards Update (“ASU”) No. 2013-02, “Comprehensive Income (Topic 220) – Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income.”  ASU 2013-02 amends recent guidance related to the reporting of comprehensive income to enhance the transparency of the reporting of reclassifications out of accumulated other comprehensive income.  ASU 2013-02 became effective for the Corporation on January 1, 2013 and did not have a material impact on the Corporation’s financial statements.  The additional disclosures are included in Note 18 Accumulated Other Comprehensive Income or Loss.
 
XML 41 R28.htm IDEA: XBRL DOCUMENT v2.4.0.8
BRANCH ACQUISITION
 12 Months Ended
Dec. 31, 2013
BRANCH ACQUISITION [Abstract]  
BRANCH ACQUISITION
(20)         BRANCH ACQUISITION

On July 10, 2013, the Bank entered into an agreement with Bank of America to acquire six branch offices in Auburn, Cortland, Ithaca and Seneca Falls, New York.  Under the terms of the agreement, the Bank purchased the related branch premises and certain performing loans, and assumed the related deposits.  The transaction was completed on November 23, 2013.  The assets acquired and deposits assumed in the transaction were recorded at their estimated fair values as follows:

Cash, net
 
$
170,904,285
 
Loans
   
1,240,224
 
Bank premises and equipment
   
4,081,292
 
Core deposit intangible asset
   
2,154,670
 
Other assets
   
349,091
 
Total assets acquired
 
$
178,729,562
 
         
Deposits assumed
 
$
177,749,174
 
Time deposit premium
   
263,387
 
Other liabilities
   
717,001
 
Total liabilities assumed
 
$
178,729,562
 

The transaction was accounted for using the acquisition method of accounting and accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at their estimated fair values on the acquisition date.  Fair values are preliminary and in certain cases are subject to refinement for up to one year after the closing date of the acquisition as additional information relative to fair values becomes available.

The operating results of the acquired branch offices included in the Corporation’s consolidated statement of income for the year ended December 31, 2013 reflect only the amounts from the acquisition date through December 31, 2013.

The core deposit intangible asset of $2,154,670 will be amortized on an accelerated basis over a period of approximately seven years.  The time deposit premium of $263,387 will be accreted over the estimated remaining life of the related deposits as a reduction to interest expense.

Preliminary negative goodwill of $469,929 was recorded as a gain from bargain purchase, was calculated as the purchase discount after adjusting for the fair value of net assets acquired.
XML 42 R56.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND ALLOWANCE FOR LOAN LOSSES, RECEIVABLES PAST DUE (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Aging of the recorded investment in loans past due [Abstract]    
Current $ 970,708,116 $ 867,144,443
30-89 Days Past Due 8,068,869 7,528,684
90 Days or more Past Due and accruing 1,472,594 4,484,374
Loans acquired with deteriorated credit quality 9,696,496 10,711,533
Non-Accrual 8,516,990 [1] 6,031,905 [2]
Total 998,463,065 895,900,939
Commercial and Agricultural [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Loans acquired with deteriorated credit quality 678,383 1,241,418
Total 145,731,838 134,194,422
Commercial and Agricultural [Member] | Agricultural [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 577,133 698,452
30-89 Days Past Due 0 0
90 Days or more Past Due and accruing 0 0
Loans acquired with deteriorated credit quality 0 0
Non-Accrual 0 [1] 0 [2]
Total 577,133 698,452
Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 143,099,999 131,404,371
30-89 Days Past Due 28,888 183,269
90 Days or more Past Due and accruing 0 0
Loans acquired with deteriorated credit quality 678,383 1,241,418
Non-Accrual 1,347,435 [1] 666,912 [2]
Total 145,154,705 133,495,970
Commercial mortgages [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Loans acquired with deteriorated credit quality 8,756,562 9,225,847
Total 374,095,758 321,018,285
Commercial mortgages [Member] | Construction [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 24,743,496 36,988,222
30-89 Days Past Due 0 294,565
90 Days or more Past Due and accruing 1,453,180 4,481,066
Loans acquired with deteriorated credit quality 773,738 1,182,037
Non-Accrual 539,725 [1] 434,338 [2]
Total 27,510,139 43,380,228
Commercial mortgages [Member] | Commercial mortgage other [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 335,122,887 266,261,798
30-89 Days Past Due 1,137,897 1,750,806
90 Days or more Past Due and accruing 0 0
Loans acquired with deteriorated credit quality 7,982,824 8,043,810
Non-Accrual 2,342,011 [1] 1,581,643 [2]
Total 346,585,619 277,638,057
Residential mortgages [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 187,448,407 194,185,617
30-89 Days Past Due 5,457,860 4,145,868
90 Days or more Past Due and accruing 0 0
Loans acquired with deteriorated credit quality 261,551 244,268
Non-Accrual 3,357,750 [1] 2,423,024 [2]
Total 196,525,568 200,998,777
Consumer loans [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Loans acquired with deteriorated credit quality 0 0
Total 282,109,901 239,689,455
Consumer loans [Member] | Credit cards [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 1,727,573 1,847,837
30-89 Days Past Due 9,427 0
90 Days or more Past Due and accruing 19,414 3,308
Loans acquired with deteriorated credit quality 0 0
Non-Accrual 0 [1] 0 [2]
Total 1,756,414 1,851,145
Consumer loans [Member] | Home equity lines and loans [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 95,348,467 86,486,781
30-89 Days Past Due 150,238 211,739
90 Days or more Past Due and accruing 0 0
Loans acquired with deteriorated credit quality 0 0
Non-Accrual 635,373 [1] 571,365 [2]
Total 96,134,078 87,269,885
Consumer loans [Member] | Indirect consumer loans [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 163,809,750 129,789,672
30-89 Days Past Due 1,235,404 852,818
90 Days or more Past Due and accruing 0 0
Loans acquired with deteriorated credit quality 0 0
Non-Accrual 249,258 [1] 335,285 [2]
Total 165,294,412 130,977,775
Consumer loans [Member] | Direct Consumer Loans [Member]
    
Aging of the recorded investment in loans past due [Abstract]    
Current 18,830,404 19,481,693
30-89 Days Past Due 49,155 89,619
90 Days or more Past Due and accruing 0 0
Loans acquired with deteriorated credit quality 0 0
Non-Accrual 45,438 [1] 19,338 [2]
Total $ 18,924,997 $ 19,590,650
[1] Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.
[2] Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2012.
XML 43 R44.htm IDEA: XBRL DOCUMENT v2.4.0.8
REGULATORY CAPITAL REQUIREMENTS (Tables)
 12 Months Ended
Dec. 31, 2013
REGULATORY CAPITAL REQUIREMENTS [Abstract]  
Actual capital amounts and ratios of the Corporation and the Bank
The actual capital amounts and ratios of the Corporation and the Bank are presented in the following table:

 
 
Actual
  
Required To Be
Adequately
Capitalized
  
Required To Be Well
Capitalized
 
As of December 31, 2013
 
Amount
  
Ratio
  
Amount
  
Ratio
  
Amount
  
Ratio
 
Total Capital (to Risk Weighted Assets):
 
 
Consolidated
 
$
126,298,617
   
12.10
%
 
$
83,483,686
   
8.00
%
  
N/
A
  
N/
A
Bank
 
$
121,221,937
   
11.63
%
 
$
83,368,967
   
8.00
%
 
$
104,211,209
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
110,260,258
   
10.57
%
 
$
41,741,843
   
4.00
%
  
N/
A
  
N/
A
Bank
 
$
105,239,348
   
10.10
%
 
$
41,684,484
   
4.00
%
 
$
62,526,725
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
110,260,258
   
8.08
%
 
$
40,940,320
   
3.00
%
  
N/
A
  
N/
A
Bank
 
$
105,239,348
   
7.72
%
 
$
40,900,388
   
3.00
%
 
$
68,167,313
   
5.00
%

As of December 31, 2012
 
  
  
  
  
  
 
Total Capital (to Risk Weighted Assets):
 
  
  
  
  
  
 
Consolidated
 
$
119,894,319
   
13.10
%
 
$
73,208,463
   
8.00
%
  
N/
A
  
N/
A
Bank
 
$
115,391,331
   
12.64
%
 
$
73,044,522
   
8.00
%
 
$
91,305,653
   
10.00
%
Tier 1 Capital (to Risk Weighted Assets):
                        
Consolidated
 
$
106,924,553
   
11.68
%
 
$
36,604,232
   
4.00
%
  
N/
A
  
N/
A
Bank
 
$
102,459,917
   
11.22
%
 
$
36,522,261
   
4.00
%
 
$
54,783,392
   
6.00
%
Tier 1 Capital (to Average Assets):
                        
Consolidated
 
$
106,924,553
   
8.74
%
 
$
36,701,105
   
3.00
%
  
N/
A
  
N/
A
Bank
 
$
102,459,917
   
8.39
%
 
$
36,630,566
   
3.00
%
 
$
61,050,944
   
5.00
%
 
XML 44 R30.htm IDEA: XBRL DOCUMENT v2.4.0.8
SECURITIES (Tables)
 12 Months Ended
Dec. 31, 2013
SECURITIES [Abstract]  
Amortized cost and estimated fair value of securities available for sale
Amortized cost and estimated fair value of securities available for sale at December 31, 2013 and 2012 are as follows:

 
 
2013
  
2012
 
 
 
Amortized
Cost
  
Estimated
Fair Value
  
Amortized
Cost
  
Estimated
Fair Value
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
187,098,006
  
$
188,106,208
  
$
138,041,393
  
$
141,591,214
 
Mortgage-backed securities, residential
  
104,068,981
   
104,356,521
   
29,591,883
   
31,515,249
 
Collateralized mortgage obligations
  
1,000,743
   
1,014,876
   
3,494,642
   
3,543,360
 
Obligations of states and political subdivisions
  
37,339,530
   
38,376,222
   
39,174,595
   
40,814,722
 
Corporate bonds and notes
  
2,878,813
   
2,945,807
   
11,412,167
   
11,651,635
 
SBA loan pools
  
1,470,513
   
1,487,579
   
1,682,736
   
1,724,140
 
Trust preferred securities
  
1,898,047
   
2,033,594
   
2,519,379
   
2,470,913
 
Corporate stocks
  
444,452
   
7,695,099
   
736,495
   
6,374,530
 
Total
 
$
336,199,085
  
$
346,015,906
  
$
226,653,290
  
$
239,685,763
 

Gross unrealized gains and losses on securities available for sale at December 31, 2013 and 2012, were as follows:

 
 
2013
  
2012
 
 
 
Unrealized
  
Unrealized
  
Unrealized
  
Unrealized
 
 
 
Gains
  
Losses
  
Gains
  
Losses
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
1,914,660
  
$
906,458
  
$
3,549,821
  
$
-
 
Mortgage-backed securities, residential
  
1,037,343
   
749,803
   
1,923,366
   
-
 
Collateralized mortgage obligations
  
14,133
   
-
   
48,718
   
-
 
Obligations of states and political subdivisions
  
1,059,007
   
22,315
   
1,641,510
   
1,383
 
Corporate bonds and notes
  
75,672
   
8,678
   
239,468
   
-
 
SBA loan pools
  
17,066
   
-
   
41,404
   
-
 
Trust preferred securities
  
135,547
   
-
   
134,959
   
183,425
 
Corporate stocks
  
7,252,615
   
1,968
   
5,645,753
   
7,718
 
Total
 
$
11,506,043
  
$
1,689,222
  
$
13,224,999
  
$
192,526
 
Amortized cost and estimated fair value of debt securities available for sale by contractual maturity
The amortized cost and estimated fair value of debt securities available for sale are shown below by expected maturity.  Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately:

 
 
December 31, 2013
 
 
 
Amortized
  
Fair
 
 
 
Cost
  
Value
 
Within One Year
 
$
23,420,022
  
$
23,680,095
 
After One, But Within Five Years
  
188,131,675
   
190,334,668
 
After Five, But Within Ten Years
  
17,662,699
   
17,447,068
 
After Ten Years
  
-
   
-
 
Mortgage-backed securities, residential
  
104,068,981
   
104,356,521
 
Collateralized mortgage obligations
  
1,000,743
   
1,014,876
 
SBA loan pools
  
1,470,513
   
1,487,579
 
Total
 
$
335,754,633
  
$
338,320,807
 
Proceeds from sales and calls of securities resulting in gains or losses
The proceeds from sales and calls of securities resulting in gains or losses are listed below:

 
 
2013
  
2012
  
2011
 
Proceeds
 
$
2,649,993
  
$
26,210,087
  
$
35,741,211
 
Gross gains
 
$
16,379
  
$
300,516
  
$
1,108,091
 
Tax (benefit) expense
 
$
6,296
 
 
$
115,518
  
$
423,191
 
Amortized cost and estimated fair value of securities held to maturity
Amortized cost and estimated fair value of securities held to maturity at December 31, 2013 and 2012 are as follows:
 
  
2013
  
2012
 
  
Amortized
Cost
  
Estimated
Fair Value
  
Amortized
Cost
  
Estimated
Fair Value
 
Obligations of states and political subdivisions
 
$
5,471,505
  
$
5,890,122
  
$
5,748,453
  
$
6,421,486
 
Time Deposits with other financial institutions
  
1,023,419
   
1,039,427
   
-
   
-
 
 
 
$
6,494,924
  
$
6,929,549
  
$
5,748,453
  
$
6,421,486
 

Gross unrealized gains and losses on securities held to maturity at December 31, 2013 and 2012, were as follows:

  
2013  
  
2012  
 
  
Unrealized
  
Unrealized
  
Unrealized
  
Unrealized
 
  
Gains
  
Losses
  
Gains
  
Losses
 
Obligations of states and political subdivisions
 
$
418,617
  
$
-
  
$
673,033
  
$
-
 
Time deposits with other financial institutions
  
16,008
   
-
   
-
   
-
 
Total
 
$
434,625
  
$
-
  
$
673,033
  
$
-
 
Contractual maturities of securities held to maturity
The contractual maturity of securities held to maturity is as follows at December 31, 2013:

  
December 31, 2013
 
  
Amortized
Cost
  
Fair
Value
 
Within One Year
 
$
2,361,713
  
$
2,394,183
 
After One, But Within Five Years
  
2,841,351
   
3,052,594
 
After Five, But Within Ten Years
  
1,291,860
   
1,482,772
 
After Ten Years
  
-
   
-
 
Total
 
$
6,494,924
  
$
6,929,549
 
Investment securities available for sale in an unrealized loss position
The following table summarizes the investment securities available for sale with unrealized losses at December 31, 2013 and December 31, 2012 by aggregated major security type and length of time in a continuous unrealized position:

 
 
Less than 12 months
  
12 months or longer
  
Total
 
 
2013
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
Obligations of U.S. Government and U.S. Government sponsored Enterprises
 
$
83,839,910
  
$
867,495
  
$
1,978,200
  
$
38,963
  
$
85,818,110
  
$
906,458
 
Mortgage-backed securities, residential
  
63,115,382
   
749,803
   
-
   
-
   
63,115,382
   
749,802
 
Obligations of states and political subdivisions
  
4,588,521
   
22,315
   
-
   
-
   
4,588,521
   
22,315
 
Corporate bonds
  
237,792
   
8,678
   
-
   
-
   
237,792
   
8,678
 
Corporate stocks
  
-
   
-
   
1,669
   
1968
   
1,669
   
1,968
 
Total temporarily impaired securities
 
$
151,781,605
  
$
1,648,290
  
$
1,979,869
  
$
40,931
  
$
153,761,474
  
$
1,689,221
 
 
  
Less than 12 months
  
12 months or longer
  
Total
 
2012
 
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
  
Fair Value
  
Unrealized
Losses
 
Obligations of states and political subdivisions
 
$
-
  
$
-
  
$
430,166
  
$
1,383
  
$
430,166
  
$
1,383
 
Trust preferred securities
  
-
   
-
   
445,600
   
183,425
   
445,600
   
183,425
 
Corporate stocks
  
-
   
-
   
45,912
   
7,718
   
45,912
   
7,718
 
Total temporarily impaired securities
 
$
-
  
$
-
  
$
921,678
  
$
192,526
  
$
921,678
  
$
192,526
 
Roll forward of the cumulative credit losses recognized in earnings
The table below presents a roll forward of the cumulative credit losses recognized in earnings for the periods ended December 31, 2013, 2012 and 2013:
   
2013
   
2012
   
2011
Beginning balance, January 1,
$
3,506,073
 
$
3,506,073
 
$
3,438,673
Amounts related to credit loss for which other-than-temporary
     impairment was not previously recognized
 
-
   
-
   
-
Additions/Subtractions:
               
  Amounts related to securities for which the company intends to sell
     or that it will be more likely than not that the company will be required to
     sell prior to recovery of amortized cost basis
$
-
   
-
   
-
  Reductions for increase in cash flows expected to be collected that are
     recognized over the remaining life of the security
 
-
   
-
   
-
  Reductions for previous credit losses realized on securities sold during the year
 
(1,596,396
)
 
-
   
-
  Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized
 
29,025
   
-
   
67,400
Ending balance, December 31,
$
1,938,702
 
$
3,506,073
 
$
3,506,073
 
Securities pledged to secure securities sold under agreements to repurchase
The table below shows the securities pledged to secure securities sold under agreements to repurchase at December 31, 2013 and 2012:

 
 
2013
  
2012
 
 
 
Amortized
Cost
  
Estimated
Fair Value
  
Amortized
Cost
  
Estimated
Fair Value
 
Obligations of U.S. Government and U. S. Government sponsored enterprises
 
$
33,745,835
  
$
34,369,411
  
$
31,888,493
  
$
32,812,885
 
Mortgage-backed securities, residential
  
11,802,122
   
12,364,885
   
16,503,983
   
17,575,852
 
Collateralized mortgage obligations
  
204,842
   
207,366
   
756,542
   
770,625
 
Total
 
$
45,752,799
  
$
46,941,662
  
$
49,149,018
  
$
51,159,362
 
XML 45 R31.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
 12 Months Ended
Dec. 31, 2013
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]  
Composition of the loan portfolio by type
The composition of the loan portfolio, net of deferred origination fees and cost, and unearned income is summarized as follows:
 
 
 
December 31, 2013
  
December 31, 2012
 
Commercial and agricultural:
 
  
 
Commercial and industrial
 
$
144,786,585
  
$
133,154,615
 
Agricultural
  
575,670
   
696,666
 
Commercial mortgages:
        
Construction
  
27,440,372
   
43,269,303
 
Commercial mortgages
  
345,706,661
   
276,928,123
 
Residential mortgages
  
195,996,599
   
200,475,097
 
Consumer loans:
        
Credit cards
  
1,756,414
   
1,851,145
 
Home equity lines and loans
  
95,905,130
   
87,045,421
 
Indirect consumer loans
  
164,845,874
   
130,573,200
 
Direct consumer loans
  
18,852,459
   
19,523,371
 
Total loans, net of deferred origination fees and costs, and unearned income
 
$
995,865,764
  
$
893,516,941
 
Interest receivable on loans
  
2,597,301
   
2,383,998
 
Total recorded investment in loans
 
$
998,463,065
  
$
895,900,939
 
Allowance for loan losses by portfolio segment
The following tables present the activity in the allowance for loan losses by portfolio segment for the years ending December 31, 2013, 2012 and 2011, respectively:

 
 
December 31, 2013
 
Allowance for loan losses
 
Commercial,
and
Agricultural
  
Commercial
Mortgages
  
Residential
Mortgages
  
Consumer
Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
1,707,596
  
$
4,427,698
  
$
1,565,571
  
$
2,705,639
  
$
26,146
  
$
10,432,650
 
Charge Offs:
  
(186,045
)
  
(44,049
)
  
(124,277
)
  
(1,139,061
)
  
-
   
(1,493,432
)
Recoveries:
  
537,476
   
97,953
   
65,180
   
381,015
   
-
   
1,081,624
 
Net recoveries (charge offs)
  
351,431
   
53,904
   
(59,097
)
  
(758,046
)
  
-
   
(411,808
)
Provision
  
(80,338
)
  
1,761,394
   
10,418
   
1,089,398
   
(26,146
)
  
2,754,726
 
Ending balance
 
$
1,978,689
  
$
6,242,996
  
$
1,516,892
  
$
3,036,991
  
$
-
  
$
12,775,568
 

 
 
December 31, 2012
 
Allowance for loan losses
 
Commercial,
and
Agricultural
  
Commercial
Mortgages
  
Residential
Mortgages
  
Consumer
Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
3,143,373
  
$
2,570,149
  
$
1,309,649
  
$
2,192,729
  
$
443,420
  
$
9,659,320
 
Reclassification of acquired loan discount
  
73,229
   
50,331
   
-
   
-
   
-
   
123,560
 
Charge Offs:
  
(180,999
)
  
(335,093
)
  
(82,442
)
  
(673,885
)
  
-
   
(1,272,419
)
Recoveries:
  
802,056
   
54,637
   
-
   
237,929
   
-
   
1,094,622
 
Net recoveries (charge offs)
  
621,057
   
(280,456
)
  
(82,442
)
  
(435,956
)
  
-
   
(177,797
)
Provision
  
(2,130,063
)
  
2,087,674
   
338,364
   
948,866
   
(417,274
)
  
827,567
 
Ending balance
 
$
1,707,596
  
$
4,427,698
  
$
1,565,571
  
$
2,705,639
  
$
26,146
  
$
10,432,650
 

 
 
December 31, 2011
 
Allowance for loan losses
 
Commercial,
and
Agricultural
  
Commercial
Mortgages
  
Residential
Mortgages
  
Consumer
Loans
  
Unallocated
  
Total
 
Beginning balance:
 
$
2,118,299
  
$
2,575,058
  
$
1,301,780
  
$
2,727,022
  
$
775,972
  
$
9,498,131
 
Charge Offs:
  
(686,192
)
  
(19,206
)
  
(67,333
)
  
(725,826
)
  
-
   
(1,498,557
)
Recoveries:
  
423,422
   
40,717
   
44,953
   
192,321
   
-
   
701,413
 
Net (charge offs) recoveries
  
(262,770
)
  
21,511
   
(22,380
)
  
(533,505
)
  
-
   
(797,144
)
Provision
  
1,287,844
   
(26,420
)
  
30,249
   
(788
)
  
(332,552
)
  
958,333
 
Ending balance
 
$
3,143,373
  
$
2,570,149
  
$
1,309,649
  
$
2,192,729
  
$
443,420
  
$
9,659,320
 
Allowance for loan losses and the recorded investment in loans based on impairment method
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013 and December 31, 2012:

   
December 31, 2013
Allowance for loan losses
 
Commercial,  and Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Unallocated
   
Total
 
Ending allowance balance
  attributable to loans:
                                   
Individually evaluated for
  impairment
 
$
575,995
   
$
466,055
   
$
-
   
$
3,972
   
$
-
   
$
1,046,022
 
Collectively evaluated for
  impairment
   
1,402,694
     
4,407,377
     
1,497,214
     
3,033,019
     
-
     
10,340,304
 
Loans acquired with
  deteriorated credit quality
   
-
     
1,369,564
     
19,678
     
-
     
-
     
1,389,242
 
Total ending allowance balance
 
$
1,978,689
   
$
6,242,996
   
$
1,516,892
   
$
3,036,991
   
$
-
   
$
12,775,568
 


   
December 31, 2012
Allowance for loan losses
 
Commercial,  and Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Unallocated
   
Total
 
Ending allowance balance attributable to loans:
                                   
Individually evaluated for impairment
 
$
133,437
   
$
59,201
   
$
-
   
$
-
   
$
-
   
$
192,638
 
Collectively evaluated for impairment
   
1,459,432
     
3,533,365
     
1,565,571
     
2,705,639
     
26,146
     
9,290,153
 
Loans acquired with
  Deteriorated credit quality
   
114,727
     
835,132
     
-
     
-
     
-
     
949,859
 
Total ending allowance balance
 
$
1,707,596
   
$
4,427,698
   
$
1,565,571
   
$
2,705,639
   
$
26,146
   
$
10,432,650
 
 
   
December 31, 2013
 
Loans:
 
Commercial
and
Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Total
 
Loans individually
  evaluated for impairment
 
$
2,945,524
   
$
10,702,816
   
$
117,278
   
$
130,929
   
$
13,896,547
 
Loans collectively
  evaluated for  impairment
   
142,107,931
     
354,636,380
     
196,146,739
     
281,978,972
     
974,870,022
 
Loans acquired with deteriorated
  credit quality
   
678,383
     
8,756,562
     
261,551
     
-
     
9,696,496
 
Total ending loans balance
 
$
145,731,838
   
$
374,095,758
   
$
196,525,568
   
$
282,109,901
   
$
998,463,065
 



   
December 31, 2012
 
Loans:
 
Commercial
and
Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Total
 
Loans individually
  evaluated for impairment
 
$
1,907,395
   
$
10,620,274
   
$
131,909
   
$
-
   
$
12,659,578
 
Loans collectively
  evaluated for  impairment
   
131,045,609
     
301,172,164
     
200,622,600
     
239,689,455
     
872,529,828
 
Loans acquired with deteriorated
  credit quality
   
1,241,418
     
9,225,847
     
244,268
     
-
     
10,711,533
 
Total ending loans balance
 
$
134,194,422
   
$
321,018,285
   
$
200,998,777
   
$
239,689,455
   
$
895,900,939
 
 
Summary of impaired financing receivables
The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2013 and December 31, 2012, the average recorded investment and interest income recognized by class of loans as of the years ending December 31, 2013 and 2012:
 
   
December 31, 2013
 
December 31, 2012
 
   
Unpaid Principal Balance
   
Recorded Investment
   
Allowance for Loan Losses Allocated
   
Unpaid Principal Balance
   
Recorded Investment
     
Allowance for Loan Losses Allocated
   
With no related allowance recorded:
                                       
Commercial and agricultural:
                                       
  Commercial and industrial
 
$
1,905,782
   
$
1,909,412
   
$
-
   
$
2,059,027
 
$
1,462,157
   
$
-
   
Commercial mortgages:
                                               
  Construction
   
2,329,223
     
2,318,729
     
-
     
5,168,353
   
5,166,853
     
-
   
  Commercial mortgages other
   
7,406,355
     
7,439,358
     
-
     
5,678,565
   
5,090,399
     
-
   
Residential mortgages
   
117,278
     
117,278
     
-
     
131,909
   
131,909
     
-
   
Consumer loans:
                                               
  Home equity lines and loans
   
70,970
     
72,730
     
-
     
-
   
-
     
-
   
With an allowance recorded:
                                               
Commercial and agricultural:
                                               
  Commercial and industrial
   
1,036,381
     
1,036,112
     
575,995
     
446,330
   
445,238
     
133,437
   
Commercial mortgages:
                                               
  Commercial mortgages other
   
951,241
     
944,729
     
466,055
     
364,423
   
363,022
     
59,201
   
Consumer loans:
                                               
  Home equity lines and loans
   
57,828
     
58,199
     
3,972
     
-
   
-
     
-
   
  Total
 
$
13,875,058
   
$
13,896,547
   
$
1,046,022
   
$
13,848,607
 
$
12,659,578
   
$
192,638
   


   
December 31, 2013
   
December 31, 2012
   
December 31, 2011
   
   
Average Recorded Investment
   
Interest Income Recognized (1)
   
Average Recorded Investment
   
Interest Income Recognized (1)
   
Average Recorded Investment
     
Interest Income Recognized (1)
   
With no related allowance recorded:
                                       
Commercial and agricultural:
                                       
  Commercial and industrial
 
$
1,604,773
   
$
71,088
   
$
480,755
   
$
632
 
$
3,029,611
   
$
28,796
   
Commercial mortgages:
                                               
  Construction
   
3,364,173
     
95,235
     
73,316
     
870
   
20,578
     
-
   
  Commercial mortgages other
   
5,990,852
     
249,459
     
1,989,795
     
10,338
   
2,743,345
     
4,959
   
Residential mortgages
   
124,896
     
-
     
105,880
     
-
   
250,391
     
-
   
Consumer loans:
                                               
  Home equity lines & loans
   
47,472
     
2,043
     
29,784
     
-
   
-
     
-
   
With an allowance recorded:
                                               
Commercial and agricultural:
                                               
  Commercial and industrial
   
719,453
     
-
     
1,830,896
     
-
   
2,065,263
     
-
   
Commercial mortgages:
                                               
  Construction
   
-
     
-
     
4,148
     
-
   
14,893
     
-
   
  Commercial mortgages other
   
866,722
     
-
     
872,292
     
-
   
1,521,828
     
-
   
Residential mortgages
   
-
     
-
     
64,003
     
-
   
-
     
-
   
Consumer loans:
                             
 
               
  Home equity lines and loans
   
46,520
     
3,437
     
-
     
-
                 
  Direct consumer loans
   
3,050
     
-
     
-
     
-
   
-
     
-
   
  Total
 
$
12,767,911
   
$
421,262
   
$
5,450,869
   
$
11,840
 
$
9,645,909
   
$
33,755
   
 
Recorded investment in past due and non-accrual status by class of loans
The following tables present the recorded investment in past due and non-accrual status by class of loans as of December 31, 2013 and December 31, 2012:
                                                 
December 31, 2013
 
Current
   
30-89 Days Past Due
   
90 Days or more Past Due and accruing
     
Loans acquired with deteriorated credit quality
   
Non-Accrual (1)
   
Total
 
Commercial and agricultural:
                                     
  Commercial and industrial
 
$
143,099,999
   
$
28,888
   
$
-
   
$
678,383
   
$
1,347,435
   
$
145,154,705
 
  Agricultural
   
577,133
     
-
     
-
     
-
     
-
     
577,133
 
Commercial mortgages:
                                               
  Construction
   
24,743,496
     
-
     
1,453,180
     
773,738
     
539,725
     
27,510,139
 
  Commercial mortgages other
   
335,122,887
     
1,137,897
     
-
     
7,982,824
     
2,342,011
     
346,585,619
 
Residential mortgages
   
187,448,407
     
5,457,860
     
-
     
261,551
     
3,357,750
     
196,525,568
 
Consumer loans:
                                               
  Credit cards
   
1,727,573
     
9,427
     
19,414
     
-
     
-
     
1,756,414
 
  Home equity lines and loans
   
95,348,467
     
150,238
     
-
     
-
     
635,373
     
96,134,078
 
  Indirect consumer loans
   
163,809,750
     
1,235,404
     
-
     
-
     
249,258
     
165,294,412
 
  Direct consumer loans
   
18,830,404
     
49,155
     
-
     
-
     
45,438
     
18,924,997
 
  Total
 
$
970,708,116
   
$
8,068,869
   
$
1,472,594
   
$
9,696,496
   
$
8,516,990
   
$
998,463,065
 
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.


                                                 
December 31, 2012
 
Current
   
30-89 Days Past Due
   
90 Days or more Past Due and accruing
     
Loans acquired with deteriorated credit quality
   
Non-Accrual (1)
   
Total
 
Commercial and agricultural:
                                     
  Commercial and industrial
 
$
131,404,371
   
$
183,269
   
$
-
   
$
1,241,418
   
$
666,912
   
$
133,495,970
 
  Agricultural
   
698,452
     
-
     
-
     
-
     
-
     
698,452
 
Commercial mortgages:
                                               
  Construction
   
36,988,222
     
294,565
     
4,481,066
     
1,182,037
     
434,338
     
43,380,228
 
  Commercial mortgages other
   
266,261,798
     
1,750,806
     
-
     
8,043,810
     
1,581,643
     
277,638,057
 
Residential mortgages
   
194,185,617
     
4,145,868
     
-
`
   
244,268
     
2,423,024
     
200,998,777
 
Consumer loans:
                                               
  Credit cards
   
1,847,837
     
-
     
3,308
     
-
     
-
     
1,851,145
 
  Home equity lines and loans
   
86,486,781
     
211,739
     
-
     
-
     
571,365
     
87,269,885
 
  Indirect consumer loans
   
129,789,672
     
852,818
     
-
     
-
     
335,285
     
130,977,775
 
 Direct consumer loans
   
19,481,693
     
89,619
     
-
     
-
     
19,338
     
19,590,650
 
  Total
 
$
867,144,443
   
$
7,528,684
   
$
4,484,374
   
$
10,711,533
   
$
6,031,905
   
$
895,900,939
 
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2012.
 
Loans by class modified as troubled debt restructurings
The following table presents loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2013 and 2012:

December 31, 2013
 
Number of Loans
   
Pre-Modification Outstanding Recorded Investment
   
Post-Modification Outstanding Recorded Investment
   
Troubled debt restructurings:
                   
  Commercial and agricultural:
                         
    Commercial and industrial
   
5
   
$
1,342,690
   
$
1,342,690
   
  Commercial mortgages:
                         
    Construction
   
1
     
325,957
     
325,957
   
    Commercial mortgage other
   
1
     
133,000
     
133,000
   
  Consumer loans:
                         
    Home equity lines and loans
   
3
     
134,225
     
134,255
   
Total
   
10
   
$
1,935,872
   
$
1,935,872
   


December 31, 2012
 
Number of Loans
   
Pre-Modification Outstanding Recorded Investment
   
Post-Modification Outstanding Recorded Investment
   
Troubled debt restructurings:
                   
  Commercial and agricultural:
                         
    Commercial and industrial
   
4
   
$
1,307,188
   
$
1,307,188
   
  Commercial mortgages:
                         
    Construction
   
1
     
251,448
     
251,448
   
    Commercial mortgage other
   
3
     
3,871,779
     
3,871,779
   
Total
   
8
   
$
5,430,415
   
$
5,430,415
   
Risk category of the recorded investment of loans by class of loans
Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be not rated loans.  Based on the analyses performed as of December 31, 2013 and December 31, 2012, the risk category of the recorded investment of loans by class of loans is as follows:

 
December 31, 2013
     
   
Not Rated
   
Pass
   
Loans acquired with deteriorated credit quality
   
Special Mention
   
Substandard
   
Doubtful
   
Commercial and agricultural:
                                     
  Commercial and industrial
 
$
-
   
$
133,614,964
   
$
678,383
   
$
5,116,316
   
$
4,724,318
   
$
1,020,725
   
  Agricultural
   
-
     
577,133
     
-
     
-
     
-
     
-
   
Commercial mortgages:
                                                 
  Construction
   
-
     
23,087,004
     
773,738
     
2,783,848
     
865,549
     
-
   
  Commercial mortgage other
   
-
     
313,955,960
     
7,982,824
     
13,611,331
     
11,035,504
     
-
   
Residential mortgages
   
192,995,108
     
-
     
261,551
     
-
     
3,268,909
     
-
   
Consumer loans:
                                                 
  Credit cards
   
1,756,414
     
-
     
-
     
-
     
-
     
-
   
  Home equity lines and loans
   
95,421,822
     
-
     
-
     
-
     
712,256
     
-
   
  Indirect consumer loans
   
165,045,154
     
-
     
-
     
-
     
249,257
     
-
   
  Direct consumer loans
   
18,879,559
     
-
     
-
     
-
     
45,438
     
-
   
Total
 
$
474,098,057
   
$
471,235,061
   
$
9,696,496
   
$
21,511,495
   
$
20,901,231
   
$
1,020,725
   
 
 
December 31, 2012
     
   
Not Rated
   
Pass
   
Loans acquired with deteriorated credit quality
   
Special Mention
   
Substandard
   
Doubtful
   
Commercial and agricultural:
                                     
  Commercial and industrial
 
$
-
   
$
121,145,761
   
$
1,241,418
   
$
8,008,002
   
$
2,606,529
   
$
494,260
   
  Agricultural
   
-
     
698,452
     
-
     
-
     
-
     
-
   
Commercial mortgages:
                                                 
  Construction
   
-
     
34,882,896
     
1,182,037
     
5,153,918
     
2,161,377
     
-
   
  Commercial mortgage other
   
-
     
247,793,150
     
8,043,810
     
11,974,716
     
9,826,381
     
-
   
Residential mortgages
   
198,336,641
     
-
     
244,268
     
-
     
2,417,868
     
-
   
Consumer loans:
                                                 
  Credit cards
   
1,851,145
     
-
     
-
     
-
     
-
     
-
   
  Home equity lines and loans
   
86,615,392
     
-
     
-
     
-
     
654,493
     
-
   
  Indirect consumer loans
   
130,642,490
     
-
     
-
     
-
     
335,285
     
-
   
  Direct consumer loans
   
19,571,312
     
-
     
-
     
-
     
19,338
     
-
   
Total
 
$
437,016,980
   
$
404,520,259
   
$
10,711,533
   
$
25,136,636
   
$
18,021,271
   
$
494,260
   

Recorded investment in residential and consumer loans based on payment activity
 
The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2013 and December 31, 2012:

   
December 31, 2013
         
Consumer Loans
 
   
Residential Mortgages
   
Credit Card
   
Home Equity Lines and Loans
   
Indirect Consumer Loans
   
Other Direct Consumer Loans
 
Performing
 
$
193,167,818
   
$
1,737,000
   
$
95,498,705
   
$
165,045,154
   
$
18,879,559
 
Non-Performing
   
3,357,750
     
19,414
     
635,373
     
249,258
     
45,438
 
   
$
196,525,568
   
$
1,756,414
   
$
96,134,078
   
$
165,294,412
   
$
18,924,997
 


   
December 31, 2012
         
Consumer Loans
 
   
Residential Mortgages
   
Credit Card
   
Home Equity Lines and Loans
   
Indirect Consumer Loans
   
Other Direct Consumer Loans
 
Performing
 
$
198,575,753
   
$
1,847,837
   
$
86,698,520
   
$
130,642,490
   
$
19,571,312
 
Non-Performing
   
2,423,024
     
3,308
     
571,365
     
335,285
     
19,338
 
   
$
200,998,777
   
$
1,851,145
   
$
87,269,885
   
$
130,977,775
   
$
19,590,650
 

Summary of changes in contractually required principal and interest on loans acquired
 
The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2013 to December 31, 2013:
   
Balance at December 31, 2012
   
Income Accretion
   
All Other Adjustments
   
Balance at December 31, 2013
 
Contractually required principal and interest
 
$
16,896,078
   
$
-
   
$
(5,665,656
)
 
$
11,230,422
 
Contractual cash flows not expected to be collected
  (nonaccretable discount)
   
(3,655,500
)
   
-
     
3,112,751
     
(542,749
)
Cash flows expected to be collected
   
13,240,578
     
-
     
(2,552,905
)
   
10,687,673
 
Interest component of expected cash flows (accretable yield)
   
(2,529,045
)
   
1,162,653
     
375,215
     
(991,177
)
Fair value of loans acquired with deteriorating credit quality
 
$
10,711,533
   
$
1,162,653
   
$
(2,177,690
)
 
$
9,696,496
 

XML 46 R8.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
CASH FLOWS FROM OPERATING ACTIVITIES:      
Net income $ 8,731,056 $ 11,022,240 $ 10,537,755
Adjustments to reconcile net income to net cash provided by operating activities:      
Amortization of intangible assets 921,413 1,046,720 1,041,193
Deferred income tax (benefit) expense (120,590) 646,899 3,416,135
Provision for loan losses 2,754,726 827,567 958,333
Depreciation and amortization of fixed assets 3,236,034 2,946,499 2,861,644
Amortization of premiums on securities, net 2,279,939 1,827,055 1,394,115
Gains on sales of loans held for sale, net (502,718) (484,006) (179,096)
Proceeds from sales of loans held for sale 20,075,670 15,684,266 7,778,633
Loans originated and held for sale (19,210,483) (15,862,142) (7,507,967)
Gain on bargain purchase (469,929) 0 0
Net (gains) losses on sale of other real estate owned (27,695) 44,648 (91,533)
Net gains on trading assets (42,756) (26,880) (2,506)
Net gains on securities transactions (16,379) (300,516) (1,108,091)
Net impairment loss recognized on investment securities 29,025 0 67,400
Proceeds from sales of trading assets 111,541 96,498 19,938
Purchase of trading assets (86,799) (123,478) (311,813)
(Increase) decrease in other assets (6,213,191) 6,083,953 (9,890,546)
Decrease in prepaid FDIC Assessment 1,969,526 732,777 164,744
Decrease in accrued interest payable (107,535) (347,519) (287,822)
Expense related to restricted stock units for directors' deferred compensation plan 98,815 86,717 80,083
Expense related to employee stock compensation 112,154 80,000 55,000
Expense related to employee restricted stock awards 130,920 79,510 28,141
Increase in other liabilities 9,403,504 587,817 231,811
Income from bank owned life insurance (83,931) (86,577) (88,389)
Net cash provided by operating activities 22,972,317 24,562,048 9,167,162
CASH FLOWS FROM INVESTING ACTIVITIES:      
Proceeds from sales and calls of securities available for sale 18,149,995 90,870,086 88,741,210
Proceeds from maturities and principal collected on securities available for sale 44,045,818 29,341,503 31,200,076
Proceeds from maturities and principal collected on securities held to maturity 5,702,678 4,295,975 3,965,483
Purchases of securities available for sale (174,034,193) (80,443,763) (127,405,986)
Purchases of securities held to maturity (6,449,149) (1,732,507) (4,562,281)
Purchase of Federal Home Loan Bank and Federal Reserve Bank stock (16,124,350) (26,250) (1,002,500)
Redemption of Federal Home Loan Bank and Federal Reserve Bank stock 16,352,900 825,300 400,350
Purchases of premises and equipment (3,709,531) (3,668,479) (2,551,969)
Cash paid Fort Orange Financial Corp. acquisition 0 0 (8,137,816)
Cash received Fort Orange Financial Corp. acquisition 0 0 33,284,995
Cash received acquisition of Bank of America branches 173,672,561 0 0
Cash paid Bank of America branches (2,768,276) 0 0
Proceeds from sale of other real estate owned 155,116 796,446 327,087
Net increase in loans (101,481,327) (97,115,130) (19,322,219)
Net cash used by investing activities (46,487,758) (56,856,819) (5,063,570)
CASH FLOWS FROM FINANCING ACTIVITIES:      
Net increase in demand deposits, interest-bearing demand accounts, savings accounts, and insured money market accounts 67,565,921 86,541,575 55,243,997
Net decrease in time deposits (27,084,698) (40,300,400) (43,578,345)
Net decrease in securities sold under agreements to repurchase (9,427) (4,396,192) (18,236,546)
Repayments of Federal Home Loan Bank long term advances (1,982,735) (16,118,555) (910,246)
Purchase of treasury stock (92,630) (635,800) (501,299)
Sale of treasury stock 70,880 257,550 217,520
Cash dividends paid (3,583,627) (5,714,039) (4,056,597)
Net cash provided (used) by financing activities 34,883,684 19,634,139 (11,821,516)
Net increase (decrease) in cash and cash equivalents 11,368,243 (12,660,632) (7,717,924)
Cash and cash equivalents, beginning of period 40,241,221 52,901,853 60,619,777
Cash and cash equivalents, end of period 51,609,464 40,241,221 52,901,853
Cash paid during the year for:      
Interest 4,162,532 5,642,945 6,782,999
Income Taxes 5,303,670 1,732,411 5,110,847
Supplemental disclosure of non-cash activity:      
Transfer of loans to other real estate owned 102,970 618,302 533,976
Dividends declared, not yet paid $ 1,194,522 $ 0 $ 0
XML 47 R32.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 at December 31, 2013 and 2012 are as follows:

   
2013
   
2012
 
Land
 
$
4,803,406
   
$
3,553,406
 
Buildings
   
34,378,600
     
32,017,120
 
Projects in Progress
   
-
     
678,415
 
Equipment and furniture
   
34,919,986
     
31,428,650
 
Leasehold improvements
   
6,041,402
     
4,674,980
 
     
80,143,394
     
72,352,571
 
Less accumulated depreciation and amortization
   
50,104,220
     
46,868,186
 
   
$
30,039,174
   
$
25,484,385
 

Operating lease commitments
Operating Leases: The Corporation leases certain branch properties under operating leases.  Rent Expense was $1,306,948, $1,118,348, and $1,048,920 for 2013, 2012, and 2011, respectively.  Rent commitments, before considering renewal options that generally are present, were as follows:

Year
 
Estimated Expense
 
2014
 
$
1,664,865
 
2015
  
1,607,143
 
2016
  
1,358,618
 
2017
  
1,198,021
 
2018
  
1,156,562
 
2019 and thereafter
  
4,983,358
 
Total
 
$
11,968,567
 
XML 48 R40.htm IDEA: XBRL DOCUMENT v2.4.0.8
RELATED PARTY TRANSACTIONS (Tables)
 12 Months Ended
Dec. 31, 2013
RELATED PARTY TRANSACTIONS [Abstract]  
Related Party Loans
These loans are summarized as follows for the years ended December 31, 2013 and 2012:

 
 
2013
  
2012
 
Balance at beginning of year
 
$
25,389,555
  
$
20,884,273
 
New loans or additional advances
  
30,055,816
   
37,544,459
 
Repayments
  
(29,037,523
)
  
(33,039,177
)
Balance at end of year
 
$
26,407,848
  
$
25,389,555
 
XML 49 R53.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND ALLOWANCE FOR LOAN LOSSES (Details) (USD $)
Dec. 31, 2013
Dec. 31, 2012
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income $ 995,865,764 $ 893,516,941
Interest receivable on loans 2,597,301 2,383,998
Total 998,463,065 895,900,939
Residential mortgages held for sale 694,840 1,057,309
Commercial mortgages [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 345,706,661 276,928,123
Commercial and Agricultural [Member]
    
Composition of loan portfolio [Abstract]    
Total 145,731,838 134,194,422
Commercial and Agricultural [Member] | Agricultural [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 575,670 696,666
Total 577,133 698,452
Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 144,786,585 133,154,615
Total 145,154,705 133,495,970
Commercial mortgages: Construction [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 27,440,372 43,269,303
Residential mortgages [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 195,996,599 200,475,097
Total 196,525,568 200,998,777
Residential mortgages held for sale 694,840 1,057,309
Loans pledged as collateral 145,107,384 142,278,166
Consumer loans [Member]
    
Composition of loan portfolio [Abstract]    
Total 282,109,901 239,689,455
Consumer loans [Member] | Credit cards [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 1,756,414 1,851,145
Total 1,756,414 1,851,145
Consumer loans [Member] | Home equity lines and loans [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 95,905,130 87,045,421
Total 96,134,078 87,269,885
Consumer loans [Member] | Indirect consumer loans [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 164,845,874 130,573,200
Total 165,294,412 130,977,775
Consumer loans [Member] | Direct consumer loans [Member]
    
Composition of loan portfolio [Abstract]    
Total loans, net of deferred origination fees and costs, and unearned income 18,852,459 19,523,371
Total $ 18,924,997 $ 19,590,650
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REGULATORY CAPITAL REQUIREMENTS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2013
Consolidated [Member]
Dec. 31, 2012
Consolidated [Member]
Dec. 31, 2013
Bank [Member]
Dec. 31, 2012
Bank [Member]
REGULATORY CAPITAL REQUIREMENTS [Abstract]          
Net profits period to accessing dividends declarable 2 years        
Declarable dividends without prior approval for next fiscal year $ 8,500,000        
Total Capital (to Risk Weighted Assets) [Abstract]          
Total Capital   126,298,617 119,894,319 121,221,937 115,391,331
Capital Required for Capital Adequacy   83,483,686 73,208,463 83,368,967 73,044,522
Capital Required to be Well Capitalized       104,211,209 91,305,653
Tier 1 Capital (to Risk Weighted Assets) [Abstract]          
Tier One Risk Based Capital   110,260,258 106,924,553 105,239,348 102,459,917
Tier One Risk Based Capital Required for Capital Adequacy   41,741,843 36,604,232 41,684,484 36,522,261
Tier One Risk Based Capital Required to be Well Capitalized       62,526,725 54,783,392
Tier 1 Capital (to Average Assets) [Abstract]          
Tier One Leverage Capital   110,260,258 106,924,553 105,239,348 102,459,917
Tier One Leverage Capital Required for Capital Adequacy   40,940,320 36,701,105 40,900,388 36,630,566
Tier One Leverage Capital Required to be Well Capitalized       $ 68,167,313 $ 61,050,944
Risk Based Ratios [Abstract]          
Capital to Risk Weighted Assets (in hundredths)   12.10% 13.10% 11.63% 12.64%
Capital Required for Capital Adequacy to Risk Weighted Assets (in hundredths)   8.00% 8.00% 8.00% 8.00%
Capital Required to be Well Capitalized to Risk Weighted Assets (in hundredths)       10.00% 10.00%
Tier One Risk Based Capital to Risk Weighted Assets (in hundredths)   10.57% 11.68% 10.10% 11.22%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets (in hundredths)   4.00% 4.00% 4.00% 4.00%
Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets (in hundredths)       6.00% 6.00%
Leverage Ratios [Abstract]          
Tier One Leverage Capital to Average Assets (in hundredths)   8.08% 8.74% 7.72% 8.39%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets (in hundredths)   3.00% 3.00% 3.00% 3.00%
Tier One Leverage Capital Required to be Well Capitalized to Average Assets (in hundredths)       5.00% 5.00%

XML 52 R2.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED BALANCE SHEETS (USD $)
Dec. 31, 2013
Dec. 31, 2012
ASSETS    
Cash and due from financial institutions $ 31,600,112 $ 29,239,309
Interest-bearing deposits in other financial institutions 20,009,352 11,001,912
Total cash and cash equivalents 51,609,464 40,241,221
Trading assets, at fair value 366,255 348,241
Securities available for sale, at estimated fair value 346,015,906 239,685,763
Securities held to maturity, estimated fair value of $6,929,549 December 31, 2013 and $6,421,486 at December 31, 2012 6,494,924 5,748,453
Federal Home Loan Bank and Federal Reserve Bank Stock, at cost 4,481,750 4,710,300
Loans, net of deferred origination fees and costs, and unearned income 995,865,764 893,516,941
Allowance for loan losses (12,775,568) (10,432,650)
Loans, net 983,090,196 883,084,291
Loans held for sale 694,840 1,057,309
Premises and equipment, net 30,039,174 25,484,385
Goodwill 21,824,443 21,824,443
Other intangible assets, net 6,377,077 5,143,820
Bank owned life insurance 2,795,612 2,711,681
Accrued interest and other assets 22,353,812 18,119,801
Total assets 1,476,143,453 1,248,159,708
Deposits:    
Non-interest-bearing 351,222,057 300,610,463
Interest-bearing 912,147,604 744,123,551
Total deposits 1,263,369,661 1,044,734,014
Securities sold under agreements to repurchase 32,701,223 32,710,650
Federal Home Loan Bank term advances 25,242,628 27,225,363
Dividends payable 1,194,522 0
Accrued interest payable and other liabilities 15,057,425 12,374,744
Total liabilities 1,337,565,459 1,117,044,771
Shareholders' equity:    
Common stock, $.01 par value per share, 10,000,000 shares authorized; 5,310,076 issued at December 31, 2013 and December 31, 2012 53,101 53,101
Additional-paid-in capital 45,398,182 45,357,073
Retained earnings 111,031,089 107,078,182
Treasury stock, at cost (707,674 shares at December 31, 2013; 728,680 shares at December 31, 2012) (18,059,559) (18,566,490)
Accumulated other comprehensive income (loss) 155,181 (2,806,929)
Total shareholders' equity 138,577,994 131,114,937
Total liabilities and shareholders' equity $ 1,476,143,453 $ 1,248,159,708
XML 53 R45.htm IDEA: XBRL DOCUMENT v2.4.0.8
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS (Tables)
 12 Months Ended
Dec. 31, 2013
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS [Abstract]  
Components of accumulated other comprehensive income (Loss)
  The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated:
 
   
Unrealized Gains and Losses on Securities Available for Sale
   
Defined Benefit and Other Benefit Plans
   
Total
 
Balance at December 31, 2012
 
$
8,022,790
   
$
(10,829,719
)
 
$
(2,806,929
)
Other comprehensive income before
  reclassification
   
(1,987,340
)
   
3,993,381
     
2,006,041
 
Amounts reclassified from accumulated other
  comprehensive income
   
7,785
 
   
948,284
     
956,069
 
Net current period other comprehensive loss
   
(1,979,555
)
   
4,941,665
     
2,962,110
 
Balance at December 31, 2013
 
$
6,043,235
   
$
(5,888,054
)
 
$
155,181
 


   
Unrealized Gains and Losses on Securities Available for Sale
   
Defined Benefit and Other Benefit Plans
   
Total
 
Balance at December 31, 2011
 
$
7,987,055
   
$
(9,428,433
)
 
$
(1,441,378
)
Other comprehensive income before
  reclassification
   
220,733
     
(2,231,066
)   
(2,010,333
)
Amounts reclassified from accumulated other
  comprehensive income
   
(184,998
)
   
829,780
 
   
644,782
 
Net current period other comprehensive loss
   
35,735
     
(1,401,286
)
   
(1,365,551
)
Balance at December 31, 2012
 
$
8,022,790
   
$
(10,829,719
)
 
$
(2,806,929
)
Reclassification out of accumulated other comprehensive income
The following is the reclassification out of accumulated other comprehensive income for the periods indicated:
 
Details about Accumulated Other Comprehensive Income Components
Year Ended December 31,
Affected Line Item
in the Statement Where
Net Income is Presented
2013
2012
Unrealized gains and losses on securities
available for sale:
Reclassification adjustment for other-than-temporary losses realized in net income$(29,025 )$- Total impairment losses
Realized gains on securities available for sale
16,379
300,516
Net losses on securities transactions
Tax effect
4,861
(115,518
)
Income tax benefit (expense)
Net of tax
10,083
184,998
Amortization of defined pension plan
and other benefit plan items:
Prior service costs (a)
83,144
83,144
Pension and other employee benefits
Actuarial losses (a)
(1,623,567
)
(1,431,064
)
Pension and other employee benefits
Tax effect
592,139
518,140
Income tax benefit (expense)
Net of tax
(948,284
)
(829,780
)
Total reclassification for the period, net of tax
$
(956,069
)
$
(644,782
)
 
(a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).
XML 54 R6.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (USD $)
Common Stock [Member]
Additional paid-in Capital [Member]
Retained Earnings [Member]
Treasury Stock [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Total
Balances at Dec. 31, 2010 $ 43,001 $ 22,022,122 $ 94,407,620 $ (19,166,655) $ 102,475 $ 97,408,563
Net income 0 0 10,537,755 0 0 10,537,755
Other comprehensive income 0 0 0 0 (1,543,853) (1,543,853)
Restricted stock awards 0 28,141 0 0 0 28,141
Distribution of shares of treasury stock for directors' deferred compensation plan 0 (7,364) 0 7,310 0 (54)
Distribution of shares of treasury stock granted for employee restricted stock awards 0 (226,360) 0 225,350 0 (1,010)
Forfeit of restricted stock awards 0 27,762 0 (27,762) 0 0
Restricted stock units for directors' deferred compensation plan 0 80,083 0 0 0 80,083
Cash dividends declared 0 0 (4,316,475) 0 0 (4,316,475)
Distribution of shares of treasury stock for directors' compensation 0 (33,831) 0 265,262 0 231,431
Distribution of shares of treasury stock for employee compensation 0 (6,140) 0 61,140 0 55,000
Sale of treasury stock 0 (25,090) 0 242,610 0 217,520
Purchase of shares of treasury stock 0 0 0 (501,299) 0 (501,299)
Issuance related to FOFC Merger 10,100 23,723,538 0 0 0 23,733,638
Balances at Dec. 31, 2011 53,101 45,582,861 100,628,900 (18,894,044) (1,441,378) 125,929,440
Net income 0 0 11,022,240 0 0 11,022,240
Other comprehensive income 0 0 0 0 (1,365,551) (1,365,551)
Restricted stock awards 0 79,510 0 0 0 79,510
Distribution of shares of treasury stock for directors' deferred compensation plan 0 (81,747) 0 82,588 0 841
Distribution of shares of treasury stock granted for employee restricted stock awards 0 (274,196) 0 274,196 0 0
Restricted stock units for directors' deferred compensation plan 0 86,717 0 0 0 86,717
Cash dividends declared 0 0 (4,572,958) 0 0 (4,572,958)
Distribution of shares of treasury stock for directors' compensation 0 (28,121) 0 261,069 0 232,948
Distribution of shares of treasury stock for employee compensation 0 (8,052) 0 88,052 0 80,000
Sale of treasury stock 0 101 0 257,449 0 257,550
Purchase of shares of treasury stock 0 0 0 (635,800) 0 (635,800)
Balances at Dec. 31, 2012 53,101 45,357,073 107,078,182 (18,566,490) (2,806,929) 131,114,937
Net income 0 0 8,731,056 0 0 8,731,056
Other comprehensive income 0 0 0 0 2,962,110 2,962,110
Restricted stock awards 0 130,920 0 0 0 130,920
Distribution of shares of treasury stock for directors' deferred compensation plan 0 (74,623) 0 85,578 0 10,955
Distribution of shares of treasury stock granted for employee restricted stock awards 0 (206,380) 0 206,380 0 0
Forfeit of restricted stock awards 0 60,685 0 (60,685) 0 0
Restricted stock units for directors' deferred compensation plan 0 98,815 0 0 0 98,815
Cash dividends declared 0 0 (4,778,149) 0 0 (4,778,149)
Distribution of shares of treasury stock for directors' compensation 0 13,896 0 203,050 0 216,946
Distribution of shares of treasury stock for employee compensation 0 7,278 0 104,876 0 112,154
Sale of treasury stock 0 10,518 0 60,362 0 70,880
Purchase of shares of treasury stock 0 0 0 (92,630) 0 (92,630)
Balances at Dec. 31, 2013 $ 53,101 $ 45,398,182 $ 111,031,089 $ (18,059,559) $ 155,181 $ 138,577,994
XML 55 R59.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Property, Plant and Equipment [Line Items]      
Depreciation Expense $ 3,236,034 $ 2,946,499 $ 2,861,644
Property, Plant and Equipment, Net, by Type [Abstract]      
Premises and equipment, Gross 80,143,394 72,352,571  
Less accumulated depreciation and amortization 50,104,220 46,868,186  
Premises and equipment, Net, Total 30,039,174 25,484,385  
Operating Leases, Future Minimum Payments Due, Fiscal Year Maturity [Abstract]      
2014 1,664,865    
2015 1,607,143    
2016 1,358,618    
2017 1,198,021    
2018 1,156,562    
2019 and thereafter 4,983,358    
Total 11,968,567    
Operating leases, rent expense 1,306,948 1,118,348 1,048,920
Land [Member]
      
Property, Plant and Equipment, Net, by Type [Abstract]      
Premises and equipment, Gross 4,803,406 3,553,406  
Building [Member]
      
Property, Plant and Equipment, Net, by Type [Abstract]      
Premises and equipment, Gross 34,378,600 32,017,120  
Projects in Progress [Member]
      
Property, Plant and Equipment, Net, by Type [Abstract]      
Premises and equipment, Gross 0 678,415  
Equipment and furniture[Member]
      
Property, Plant and Equipment, Net, by Type [Abstract]      
Premises and equipment, Gross 34,919,986 31,428,650  
Leasehold Improvements [Member]
      
Property, Plant and Equipment, Net, by Type [Abstract]      
Premises and equipment, Gross $ 6,041,402 $ 4,674,980  
XML 56 R35.htm IDEA: XBRL DOCUMENT v2.4.0.8
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE (Tables)
 12 Months Ended
Dec. 31, 2013
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE [Abstract]  
Summary of securities sold under agreements to repurchase
A summary of securities sold under agreements to repurchase as of and for the years ended December 31, 2013, 2012 and 2011 is as follows:

 
 
2013
  
2012
  
2011
 
Securities sold under agreements to repurchase:
 
  
  
 
Balance at December 31
 
$
32,701,223
  
$
32,710,650
  
$
37,106,842
 
Maximum month-end balance
 
$
32,701,223
  
$
38,283,747
  
$
51,183,631
 
Average balance during year
 
$
31,101,784
  
$
34,534,496
  
$
43,731,872
 
Weighted-average interest rate at December 31
  
2.93
%
  
3.02
%
  
3.20
%
Average interest rate paid during year
  
2.76
%
  
2.88
%
  
3.14
%


Information concerning outstanding securities repurchase agreements as of December 31, 2013 is summarized as follows:

Remaining Term to Final Maturity (1)
 
Repurchase
Liability
  
Accrued
 Interest
Payable
  
Weighted
Average Rate
  
Estimated Fair
Value of
Collateral
Securities (2)
 
Within 90 days
 
$
12,701,223
  
$
-
   
0.10
%
 
$
16,529,108
 
After 90 days but within one year
  
-
   
-
   
-
%
  
-
 
After one year but within five years
  
20,000,000
   
65,766
   
4.13
%
  
24,492,110
 
After five years but within ten years
  
-
   
-
   
-
%
  
-
 
Total
 
$
32,701,223
  
$
65,766
   
2.93
%
 
$
41,021,218
 
(1)
 At December 31, 2013, the securities repurchase agreements were non-callable with a weighted-average rate of 1.85%, and a weighted-average term to maturity of approximately 2.3 years.
(2)
Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $328 thousand at December 31, 2013
XML 57 R65.htm IDEA: XBRL DOCUMENT v2.4.0.8
PENSION PLAN AND OTHER BENEFIT PLANS, Part 1 (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Pension Plan [Member]
      
Change in Projected Benefit Obligation [Roll Forward]      
Benefit Obligation, beginning balance $ 38,051,477 $ 32,526,033  
Service cost, benefits earned during the year 1,194,869 1,073,938 993,364
Interest cost on projected benefit obligation 1,587,037 1,605,912 1,569,151
Actuarial (gain) loss (3,269,422) 4,213,664  
Benefits paid (1,378,161) (1,368,070)  
Benefit obligation, ending balance 36,185,800 38,051,477 32,526,033
Change in plan assets [Roll Forward]      
Fair value of plan assets, beginning balance 37,238,650 35,015,567  
Actual return on plan assets 5,921,515 3,591,153  
Employer contributions 0 0  
Benefits paid (1,378,161) (1,368,070)  
Fair value of plan assets, ending balance 41,782,004 37,238,650 35,015,567
Funded status [Abstract]      
Funded (under funded) status 5,596,204 (812,827)  
Postretirement Benefit Plan [Member]
      
Change in Projected Benefit Obligation [Roll Forward]      
Benefit Obligation, beginning balance 1,534,161 1,391,822  
Service cost, benefits earned during the year 44,000 39,000 35,000
Interest cost on projected benefit obligation 66,000 71,000 72,000
Participant Contributions 73,980 65,161  
Actuarial (gain) loss (60,855) 177,966  
Benefits paid (167,172) (210,788)  
Benefit obligation, ending balance 1,490,114 1,534,161 1,391,822
Change in plan assets [Roll Forward]      
Fair value of plan assets, beginning balance 0 0  
Employer contributions 93,192 145,627  
Participant Contributions 73,980 65,161  
Benefits paid (167,172) (210,788)  
Fair value of plan assets, ending balance 0 0 0
Funded status [Abstract]      
Funded (under funded) status (1,490,114) (1,534,161)  
Executive Supplemental Pension Plan [Member]
      
Change in Projected Benefit Obligation [Roll Forward]      
Benefit Obligation, beginning balance 1,161,749 1,069,490  
Service cost, benefits earned during the year 40,015 34,770 30,625
Interest cost on projected benefit obligation 47,899 51,091 53,771
Actuarial (gain) loss (59,197) 81,128  
Benefits paid (74,730) (74,730)  
Benefit obligation, ending balance 1,115,736 1,161,749 1,069,490
Change in plan assets [Roll Forward]      
Fair value of plan assets, beginning balance 0 0  
Employer contributions 74,730 74,730  
Benefits paid (74,730) (74,730)  
Fair value of plan assets, ending balance 0 0 0
Funded status [Abstract]      
Funded (under funded) status $ (1,115,736) $ (1,161,479)  
XML 58 R22.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES
 12 Months Ended
Dec. 31, 2013
COMMITMENTS AND CONTINGENCIES [Abstract]  
COMMITMENTS AND CONTINGENCIES
(14)           COMMITMENTS AND CONTINGENCIES

Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customer financing needs.  These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates.  Commitments may expire without being used.  Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated.  The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment.

The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows:
   
2013
   
2012
 
   
Fixed Rate
   
Variable Rate
   
Fixed Rate
   
Variable Rate
 
Commitments to make loans
 
$
21,049,240
   
$
7,893,481
   
$
28,707,673
   
$
11,588,081
 
Unused lines of credit
 
$
2,190,224
   
$
187,061,408
   
$
1,802,538
   
$
183,750,514
 
Standby letters of credit
 
$
-
   
$
17,290,453
   
$
-
   
$
15,016,673
 
 
Commitments to make Real Estate and Home Equity loans are generally made for periods of sixty days or less.  As of December 31, 2013, the fixed rate commitments to make loans have interest rates ranging from 3.625% to 5.375% and maturities ranging from five years to thirty years.  Commitments to fund commercial draw notes are generally made for periods of three months to eighteen months.  As of December 31, 2013, the fixed rate commitments have interest rates ranging from 3.35% to 5.25%.

Because many commitments and almost all standby letters of credit expire without being funded in whole or in part, the contract amounts are not estimates of future cash flows.  Loan commitments and unused lines of credit have off-balance sheet credit risk because only origination fees are recognized on the consolidated balance sheet until commitments are fulfilled or expire.  The credit risk amounts are equal to the contractual amounts, assuming the amounts are fully advanced and collateral or other security is of no value.  The Corporation does not anticipate losses as a result of these transactions.  These commitments also have off-balance sheet interest rate risk in that the interest rate at which these commitments were made may not be at market rates on the date the commitments are fulfilled.

The Corporation has issued conditional commitments in the form of standby letters of credit to guarantee payment on behalf of a customer and guarantee the performance of a customer to a third party.  Standby letters of credit generally arise in connection with lending relationships.  The credit risk involved in issuing these instruments is essentially the same as that involved in extending loans to customers.  Contingent obligations under standby letters of credit totaled $17,290,453 at December 31, 2013 and represent the maximum potential future payments the Corporation could be required to make.  Typically, these instruments have terms of twelve months or less and expire unused; therefore, the total amounts do not necessarily represent future cash requirements.  Each customer is evaluated individually for creditworthiness under the same underwriting standards used for commitments to extend credit and on-balance sheet instruments.  Corporation policies governing loan collateral apply to standby letters of credit at the time of credit extension.  The carrying amount and fair value of the Corporation's standby letters of credit at December 31, 2013 was not significant.

The Corporation has an executive severance agreement with its President and Chief Executive Officer.

The Bank is a party in two legal proceedings involving its Wealth Management Group. In both proceedings, the Bank, as trustee pursuant to written trust instruments, has sought judicial settlement of trust accounts in the New York Surrogate’s Court for Chemung County. Individuals who are beneficiaries under the trusts have filed formal objections and/or demand letters with the Court in both of these accounting proceedings, objecting to the final settlement of the trust accounts. The objectants primarily assert that the Bank acted imprudently by failing to diversify the trusts’ investments and they claim $9.6 million and $24.1 million, consisting of damages and disallowed trustee’s commissions, plus unspecified legal fees in the respective proceedings. These proceedings are pending in the Surrogate’s Court. While the outcome of litigation is not predictable the Bank believes that the claims are without merit and is vigorously defending them.  As of December 31, 2013, no amount has been accrued for potential losses related to these proceedings as a potential loss is not considered probable or reasonably estimable in the opinion of management.

In the normal course of business, there are various outstanding claims and legal proceedings involving the Corporation or its subsidiaries.  Except for the above matter, we believe that we are not a party to any pending legal, arbitration, or regulatory proceedings that could have a material adverse impact on our financial results or liquidity.
XML 59 R36.htm IDEA: XBRL DOCUMENT v2.4.0.8
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES (Tables)
 12 Months Ended
Dec. 31, 2013
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES [Abstract]  
Schedule of Federal Home Loan Bank advances
The following is a summary of Federal Home Loan Bank fixed rate advances at December 31, 2013 and 2012.  The carrying amount includes the advance balance plus purchase accounting adjustments that are amortized over the term of the advance:
 
2013
 
Amount
  
Rate
 
Maturity Date
 
Call Date
 
$
1,033,399
   
3.20
%
June 18,2014
  
-
 
 
775,049
   
3.05
%
October 2, 2014
  
-
 
 
4,133,594
   
3.84
%
October 20, 2014
 
January 20, 2014
 
 
10,000,000
   
4.60
%
December 22, 2016
  
-
 
 
4,133,594
   
3.90
%
October 19, 2017
 
January 19, 2014
 
 
3,100,195
   
2.91
%
December 4, 2017
 
March 4, 2014
 
 
2,066,797
   
3.05
%
January 2, 2018
 
April 1, 2014
 
$
25,242,628
   
3.93
%
 
    

2012
 
Amount
  
Rate
 
Maturity Date
 
Call Date
 
$
1,043,961
   
2.95
%
May 20, 2013
  
-
 
 
782,971
   
2.62
%
October 2, 2013
  
-
 
 
1,043,961
   
3.20
%
June 18,2014
  
-
 
 
782,971
   
3.05
%
October 2, 2014
  
-
 
 
4,175,846
   
3.84
%
October 20, 2014
 
January 22, 2013
 
 
10,000,000
   
4.60
%
December 22, 2016
  
-
 
 
4,175,846
   
3.90
%
October 19, 2017
 
January 22, 2013
 
 
3,131,884
   
2.91
%
December 4, 2017
 
March 4, 2013
 
 
2,087,923
   
3.05
%
January 2, 2018
 
April 1, 2013
 
$
27,225,363
   
3.86
%
 
    
XML 60 R24.htm IDEA: XBRL DOCUMENT v2.4.0.8
FAIR VALUES
 12 Months Ended
Dec. 31, 2013
FAIR VALUES [Abstract]  
FAIR VALUES
(16)           FAIR VALUES

Fair value is the exchange price that would be received for an asset or paid to transfer a liability in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date.  There are three levels of inputs that may be used to measure fair value:

Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

Level 3: Significant unobservable inputs that reflect a reporting entity's own assumptions about the assumptions that market participants would use in pricing an asset or liability.

The Corporation used the following methods and significant assumptions to estimate fair value:

Investment Securities:  The fair values of securities available for sale are usually determined by obtaining quoted prices on nationally recognized securities exchanges (Level 1 inputs), or matrix pricing, which is a mathematical technique widely used to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities' relationship to other benchmark quoted securities (Level 2 inputs).

The Corporation's investment in collateralized debt obligations consisting of pooled trust preferred securities which are issued by financial institutions were historically priced using Level 2 inputs.  The lack of observable inputs and market activity in this class of investments has been significant and resulted in unreliable external pricing.  Broker pricing and bid/ask spreads, when available, have varied widely.  The once active market has become comparatively inactive. As a result, these investments are now priced using Level 3 inputs.
The Corporation utilizes an external model for pricing these securities. This is the same model used in determining OTTI as further described in Note 3.  Information such as historical and current performance of the underlying collateral, deferral/default rates, collateral coverage ratios, break in yield calculations, cash flow projections, liquidity and credit premiums required by a market participant, and financial trend analysis with respect to the individual issuing financial institutions, are utilized in determining individual security valuations. Discount rates were utilized along with the cash flow projections in order to calculate an appropriate fair value.  These discount rates were calculated based on industry index rates and adjusted for various credit and liquidity factors.  Due to current market conditions as well as the limited trading activity of these securities, the market value of the securities is highly sensitive to assumption changes and market volatility.

Trading Assets:  Securities that are held to fund a deferred compensation plan are recorded at fair value with changes in fair value included in earnings.  The fair values of trading assets are determined by quoted market prices (Level 1 inputs).

Impaired Loans:  At the time a loan is considered impaired, it is valued at the lower of cost or fair value.  Impaired loans carried at fair value have been partially charged-off or receive specific allocations as part of the allowance for loan loss accounting.  For collateral dependent loans, fair value is commonly based on real estate appraisals.  These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach.  Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available.  Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.  Non-real estate collateral may be valued using an appraisal, net book value per the borrower’s financial statements, or aging reports, adjusted or discounted based on management’s historical knowledge, changes in market conditions from the time of the valuation, and management’s expertise and knowledge of the client and client’s business, typically resulting in a Level 3 fair value classification.  Impaired loans are evaluated on a quarterly basis for additional impairment and adjusted accordingly.

Other Real Estate Owned:  Assets acquired through or instead of loan foreclosures are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis.  These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell.  Fair value is commonly based on recent real estate appraisals. These appraisals may utilize a single valuation approach or a combination of approaches including comparable sales and the income approach. Adjustments are routinely made in the appraisal process by independent appraisers to adjust for differences between the comparable sales and income data available. Such adjustments are usually significant and typically result in a Level 3 classification of the inputs for determining fair value.

Appraisals for both collateral-dependent impaired loans and other real estate owned (“OREO”) are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Corporation.  Once received, appraisals are reviewed for reasonableness of assumptions, approaches utilized, Uniform Standards of Professional Appraisal Practice and other regulatory compliance, as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics.  Appraisals are generally completed within the previous 12 month period prior to a property being placed into OREO.  On impaired loans, appraisal values are adjusted based on the age of the appraisal, the position of the lien, the type of the property and its condition.

Assets and liabilities measured at fair value on a recurring basis are summarized below:

     
Fair Value Measurement at December 31, 2013 Using
 
Financial Assets:
 
Fair Value
   
Quoted Prices
in Active Markets for Identical Assets (Level 1)
   
Significant Other Observable Inputs
(Level 2)
   
Significant Unobservable Inputs
(Level 3)
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
188,106,208
   
$
31,261,500
   
$
156,844,708
   
$
-
 
Mortgage-backed securities, residential
   
104,356,521
     
-
     
104,356,521
     
-
 
Obligations of states and political subdivisions
   
38,376,222
     
-
     
38,376,222
     
-
 
Collateralized mortgage obligations
   
1,014,876
     
-
     
1,014,876
     
-
 
Corporate bonds and notes
   
2,945,807
     
-
     
2,945,807
     
-
 
SBA loan pools
   
1,487,579
     
-
     
1,487,579
     
-
 
Trust Preferred securities
   
2,033,594
     
-
     
2,033,594
     
-
 
Corporate stocks
   
7,695,099
     
7,279,075
     
416,024
     
-
 
Total available for sale securities
 
$
346,015,906
   
$
38,540,575
   
$
307,475,331
   
$
-
 
                                 
Trading assets
 
$
366,255
   
$
366,255
   
$
-
   
$
-
 


     
Fair Value Measurement at December 31, 2012 Using
 
Financial Assets:
 
Fair Value
   
Quoted Prices
in Active Markets for Identical Assets (Level 1)
   
Significant Other Observable Inputs
(Level 2)
   
Significant Unobservable Inputs
(Level 3)
 
Obligations of U.S. Government and U.S. Government sponsored enterprises
 
$
141,591,214
   
$
37,698,000
   
$
103,893,214
   
$
-
 
Mortgage-backed securities, residential
   
31,515,249
     
-
     
31,515,249
     
-
 
Obligations of states and political subdivisions
   
40,814,722
     
-
     
40,814,722
     
-
 
Collateralized mortgage obligations
   
3,543,360
     
-
     
3,543,360
     
-
 
Corporate bonds and notes
   
11,651,635
     
-
     
11,651,635
     
-
 
SBA loan pools
   
1,724,140
     
-
     
1,724,140
     
-
 
Trust Preferred securities
   
2,470,913
     
-
     
2,025,313
     
445,600
 
Corporate stocks
   
6,374,530
     
5,720,533
     
653,997
     
-
 
Total available for sale securities
 
$
239,685,763
   
$
43,418,533
   
$
195,821,630
   
$
445,600
 
                                 
Trading assets
 
$
348,241
   
$
348,241
   
$
-
   
$
-
 
 
There were no transfers between Level 1 and Level 2 during the year ending December 31, 2013 or the year ending December, 31, 2012.

The significant unobservable inputs used in the fair value measurement of the Corporation’s collateralized debt obligations are probabilities of specific-issuer defaults and deferrals and specific-issuer recovery assumptions.  Significant increases in specific-issuer default assumptions or decreases in specific-issuer recovery assumptions would result in a significantly lower fair value measurement.  Conversely, decreases in specific-issuer default assumptions or increases in specific-issuer recovery assumptions would result in a higher fair value measurement.  The Corporation treats all interest payment deferrals as defaults and assumes no recoveries on defaults.

The tables below present a reconciliation of all assets measured at fair value on a recurring basis using significant unobservable inputs (Level 3) for the years ended December 31, 2013 and 2012:

Trust Preferred Securities Available for Sale
 
Fair Value Measurement twelve-months ended December 31, 2013 Using Significant Unobservable Inputs (Level 3)
   
Fair Value Measurement twelve-months ended December 31, 2012 Using Significant Unobservable Inputs (Level 3)
 
Beginning balance
 
$
445,600
   
$
294,910
 
Total gains/losses (realized/unrealized):
               
  Included in earnings:
               
    Loss on securities
   
-
 
   
-
 
    Impairment charge on investment securities
   
(29,025
)     
-
 
  Included in other comprehensive income
   
183,425
     
150,690
 
Transfers in and/or out of Level 3
   
(600,000
)
   
-
 
Ending balance, December 31
 
$
-
   
$
445,600
 


Assets and liabilities measured at fair value on a non-recurring basis are summarized below:

     
Fair Value Measurement at
December 31, 2013 Using
 
Financial Assets:
 
Fair Value
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant Other Observable Inputs
(Level 2)
   
Significant Unobservable Inputs
(Level 3)
 
Impaired Loans:
                               
Commercial and agricultural:
                               
  Commercial and industrial
 
$
460,386
   
$
-
   
$
-
   
$
460,386
 
Commercial mortgages:
           
-
     
-
         
  Commercial mortgages other
   
485,186
     
-
     
-
     
485,186
 
Consumer loans:
                               
  Home equity lines and loans
   
53,856
                     
53,856
 
     Total Impaired Loans
 
$
999,428
   
$
-
   
$
-
   
$
999,428
 
Other real estate owned:
                               
Commercial and agricultural:
                               
  Commercial and industrial
 
$
101,200
   
$
-
   
$
-
   
$
101,200
 
Commercial mortgages:
                               
  Commercial mortgages other
   
265,702
     
-
     
-
     
265,702
 
Residential mortgages
   
106,270
     
-
     
-
     
106,270
 
Consumer loans:
                               
  Home equity lines and loans
   
64,859
     
-
     
-
     
64,859
 
     Total Other real estate owned, net
 
$
538,031
   
$
-
   
$
-
   
$
538,031
 
 
     
Fair Value Measurement at December 31, 2012 Using
 
Financial Assets:
 
Fair Value
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant Other Observable Inputs
(Level 2)
   
Significant Unobservable Inputs
(Level 3)
 
Impaired Loans:
                               
Commercial and agricultural:
                               
  Commercial and industrial
 
$
311,801
   
$
-
   
$
-
   
$
311,801
 
Commercial mortgages:
           
-
     
-
         
  Commercial mortgages other
   
303,821
     
-
     
-
     
303,821
 
     Total Impaired Loans
 
$
615,622
   
$
-
   
$
-
   
$
615,622
 
Other real estate owned:
                               
Commercial and agricultural:
                               
  Commercial and industrial
 
$
101,200
   
$
-
   
$
-
   
$
101,200
 
Commercial mortgages:
                               
  Commercial mortgages other
   
257,702
     
-
     
-
     
257,702
 
Residential mortgages
   
201,679
     
-
     
-
     
201,679
 
Consumer loans:
                               
  Home equity lines and loans
   
4,000
     
-
     
-
     
4,000
 
     Total Other real estate owned, net
 
$
564,581
   
$
-
   
$
-
   
$
564,581
 

The following table presents information related to Level 3 non-recurring fair value measurement at December 31, 2013 and December 31, 2012:

Description
 
Fair Value at December 31, 2013
   
Technique
   
Unobservable Inputs
 
Impaired loans
 
$
999,428
   
Third party real estate and a 100% discount of personal property
   
1
Management discount based on underlying collateral characteristics and market conditions
 
                       
Other real estate owned
 
$
538,031
   
Third party appraisals
   
1
Estimated holding  period
 
                 
2
Estimated closing costs
 

Description
 
Fair Value at December 31, 2012
   
Technique
   
Unobservable Inputs
 
Impaired loans
 
$
615,622
   
Third party real estate and a 100% discount of personal property
   
1
Management discount based on underlying collateral characteristics and market conditions
 
                       
Other real estate owned
 
$
564,581
   
Third party appraisals
   
1
Estimated holding  period
 
                 
2
Estimated closing costs
 


Impaired loans, which are measured for impairment using the fair value of the collateral for collateral dependent loans, had a principal balance of $2,045,450 with a valuation allowance of $1,046,022 as of December 31, 2013, resulting in an increases of $853,384 in the provision for loan losses for the year ending December 31, 2013.  Impaired loans had a principal balance of $808,260 with a valuation allowance of $192,638 as of December 31, 2012, resulting in no additional provision for loan losses for the year ending December 31, 2012.

OREO, which is measured by the lower of carrying or fair value less costs to sell, had a net carrying amount of $538,031 at December 31, 2013.  The net carrying amount reflects the outstanding balance of $730,398 net of a valuation allowance of $192,367 at December 31, 2013, which resulted in a write down of $2,100 for the year ending December 31, 2013.  OREO had a net carrying amount of $564,581 at December 31, 2012.  The net carrying amount reflects the outstanding balance of $756,948 net of a valuation allowance of $192,367 at December 31, 2012, which resulted in a write down of $116,840 for the year ending December 31, 2012.

FAIR VALUE OF FINANCIAL INSTRUMENTS

The following methods and assumptions were used to estimate the fair value of each class of financial instruments:

Cash, Due From and Interest-Bearing Deposits in Other Financial Institutions

For those short-term instruments that generally mature in 90 days or less, the carrying value approximates fair value of which non interest-bearing deposits are classified as Level 1 and interest-bearing deposits with the FHLBNY and FRBNY are classified as Level 1, and time deposits are classified as Level 2.

FHLB and FRB Stock

It is not practicable to determine the fair value of FHLBNY and FRBNY stock due to restrictions on its transferability.

Loans Receivable

For variable-rate loans that reprice frequently, fair values approximate carrying values.  The fair values for other loans are estimated through discounted cash flow analysis using interest rates currently being offered for loans with similar terms and credit quality.  Loans are classified as Level 3.  The methods utilized to estimate the fair value of loans do not necessarily represent an exit price.  Loans held for sale are classified as Level 2.

Deposits

The fair values disclosed for demand deposits, savings accounts and money market accounts are, by definition, equal to the amounts payable on demand at the reporting date (i.e., their carrying values) and classified as Level 1.

The fair value of certificates of deposits is estimated using a discounted cash flow approach that applies interest rates currently being offered on certificates to a schedule of the weighted-average expected monthly maturities and classified as Level 2.

Securities Sold Under Agreements to Repurchase (Repurchase Agreements)

These instruments bear both variable and fixed rates of interest.  Therefore, the carrying value approximates fair value for the variable rate instruments and the fair value of fixed rate instruments is based on discounted cash flows to maturity.  These are classified as Level 2.

Federal Home Loan Bank Advances

These instruments bear a stated rate of interest to maturity and, therefore, the fair value is based on discounted cash flows to maturity and classified as Level 2.

Commitments to Extend Credit

The fair value of commitments to extend credit is based on fees currently charged to enter into similar agreements, the counter-party's credit standing and discounted cash flow analysis.  The fair value of these commitments to extend credit approximates the recorded amounts of the related fees and is not material at December 31, 2013 and 2012.

Accrued Interest Receivable and Payable

For these short-term instruments, the carrying value approximates fair value resulting in a classification of Level 1, Level 2 or Level 3 depending upon the classification of the asset/liability they are associated with.
 
The carrying amounts and estimated fair values of other financial instruments, at December 31, 2013 and December 31, 2012, are as follows (dollars in thousands):
   
Fair Value Measurements at December 31, 2013
     
Financial Assets:
 
Carrying Amount
 
Quoted Prices in Active Markets for Identical Assets (Level 1)
 
Significant Other Observable Inputs(Level 2)
   
Significant Unobservable Inputs(Level 3)
   
Estimated Fair Value (1)
   
Cash and due from financial
  institutions
$
31,600,112
 
$
31,600,112
 
$
-
 
 
 $
-
 
$
31,600,112
 
Interest-bearing deposits in other
  financial institutions
 
20,009,352
   
20,009,352
   
-
     
-
   
20,009,352
 
Trading assets
 
366,255
   
366,255
   
-
     
-
   
366,255
 
Securities available for sale
 
346,015,906
   
38,540,575
   
307,475,331
     
-
   
346,015,906
 
Securities held to maturity
 
6,494,924
   
-
   
6,929,549
     
-
   
6,929,549
 
Federal Home Loan and Federal
  Reserve Bank stock
 
4,481,750
   
-
   
-
     
-
   
N/A
 
Loans, net
 
983,090,196
   
-
   
-
     
1,008,826,162
   
1,008,826,162
 
Loans held for sale
 
694,840
   
-
   
694,840
     
-
   
694,840
 
Accrued interest receivable
 
4,166,423
   
145,166
   
1,468,186
     
2,553,071
   
4,166,423
 
Financial liabilities:
                               
Deposits:
                               
Demand, savings, and insured
  money market accounts
$
1,018,878,175
 
$
1,018,878,175
 
$
-
   
$
-
 
$
1,018,878,175
 
Time deposits
 
244,491,486
   
-
   
245,481,933
     
-
   
245,481,933
 
Securities sold under agreements
  to repurchase
 
32,701,223
   
-
   
33,636,052
     
-
   
33,636,052
 
Federal Home Loan Bank advances
 
25,242,628
   
-
   
26,063,973
     
-
   
26,063,973
 
Accrued interest payable
 
335,818
   
14,445
   
170,328
     
151,045
   
335,818
 
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
 
   
 
 
 
   
Fair Value Measurements at December 31, 2012
     
Financial Assets:
 
Carrying Amount
 
Quoted Prices in Active Markets for Identical Assets (Level 1)
 
Significant Other Observable Inputs (Level 2)
   
Significant Unobservable Inputs (Level 3)
   
Estimated Fair Value (1)
   
Cash and due from financial
  institutions
$
29,239,309
 
$
29,239,309
 
$
-
   
$
-
 
$
29,239,309
 
Interest-bearing deposits in other
  financial institutions
 
11,001,912
   
8,444,188
   
2,557,724
     
-
   
11,001,912
 
Trading assets
 
348,241
   
348,241
   
-
     
-
   
348,241
 
Securities available for sale
 
239,685,763
   
43,418,533
   
195,821,630
     
445,600
   
239,685,763
 
Securities held to maturity
 
5,748,453
   
-
   
6,421,486
     
-
   
6,421,486
 
Federal Home Loan and Federal
  Reserve Bank stock
 
4,710,300
   
-
   
-
     
-
   
N/A
 
Loans, net
 
883,084,291
   
-
   
-
     
916,289,444
   
916,289,444
 
Loans held for sale
 
1,057,309
   
-
   
1,057,309
     
-
   
1,057,309
 
Accrued interest receivable
 
3,787,923
   
174,827
   
1,257,260
     
2,355,836
   
3,787,923
 
Financial liabilities:
                               
Deposits:
                               
Demand, savings, and insured
  money market accounts
$
808,043,960
 
$
808,043,960
 
$
-
   
$
-
 
$
808,043,960
 
Time deposits
 
236,690,054
   
-
   
238,245,225
     
-
   
238,245,225
 
Securities sold under agreements
  to repurchase
 
32,710,650
   
-
   
35,259,782
     
-
   
35,259,782
 
Federal Home Loan Bank advances
 
27,225,363
   
-
   
29,688,198
     
-
   
29,688,198
 
Accrued interest payable
 
452,629
   
11,793
   
278,988
     
161,848
   
452,629
 
(1) Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument.  These estimates are subjective in nature and involve uncertainties and matters of significant judgment and, therefore, cannot be determined with precision.  Changes in assumptions could significantly affect the estimates.
   
 
XML 61 R68.htm IDEA: XBRL DOCUMENT v2.4.0.8
RELATED PARTY TRANSACTIONS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Identified related party group [Member]
    
Loans to Related Parties [Roll Forward]    
Related Party Loans - beginning of year $ 25,389,555 $ 20,884,273
New loans or additional advances 30,055,816 37,544,459
Repayments (29,037,523) (33,039,177)
Related Party Loans - end of year 26,407,848 25,389,555
Principal officers, directors and affiliates [Member]
    
Related Party Transactions [Line Items]    
Deposit Liabilities $ 9,762,196 $ 9,928,331
Minimum [Member]
    
Related Party Transactions [Line Items]    
Related party principal ownership threshold (in hundredths) 10.00%  
XML 62 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 63 R7.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Parenthetical) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY [Abstract]      
Distribution of shares of treasury stock for directors' deferred compensation (in shares) 3,356 3,240 286
Distribution of shares of treasury stock granted for employee restricted stock awards (in shares) 8,087 10,760 8,834
Forfeit of shares of restricted stock awards (in shares) 1,797   1,087
Cash dividends declared (in dollars per share) $ 1.04 $ 1.00 $ 1.00
Distribution of shares of treasury stock for directors' compensation (in shares) 7,969 10,238 10,378
Distribution of shares of treasury stock for employee compensation (in shares) 4,116 3,453 2,392
Sale of shares of treasury stock (in shares) 2,369 10,100 9,500
Purchase of shares of treasury stock (in shares) 3,094 25,468 21,426
Issuance of shares related to FOFC Merger (in shares)     1,009,942
XML 64 R3.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)
Dec. 31, 2013
Dec. 31, 2012
ASSETS    
Securities held to maturity, estimated fair value $ 6,929,549 $ 6,421,486
Shareholders' equity:    
Common stock, par value (in dollars per share) $ 0.01 $ 0.01
Common stock, shares authorized (in shares) 10,000,000 10,000,000
Common stock, shares issued (in shares) 5,310,076 5,310,076
Treasury stock, at cost (in shares) 707,674 728,680
XML 65 R17.htm IDEA: XBRL DOCUMENT v2.4.0.8
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES
 12 Months Ended
Dec. 31, 2013
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES [Abstract]  
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES
(9)            FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES

The following is a summary of Federal Home Loan Bank fixed rate advances at December 31, 2013 and 2012.  The carrying amount includes the advance balance plus purchase accounting adjustments that are amortized over the term of the advance:
 
2013
 
Amount
  
Rate
 
Maturity Date
 
Call Date
 
$
1,033,399
   
3.20
%
June 18,2014
  
-
 
 
775,049
   
3.05
%
October 2, 2014
  
-
 
 
4,133,594
   
3.84
%
October 20, 2014
 
January 20, 2014
 
 
10,000,000
   
4.60
%
December 22, 2016
  
-
 
 
4,133,594
   
3.90
%
October 19, 2017
 
January 19, 2014
 
 
3,100,195
   
2.91
%
December 4, 2017
 
March 4, 2014
 
 
2,066,797
   
3.05
%
January 2, 2018
 
April 1, 2014
 
$
25,242,628
   
3.93
%
 
    

2012
 
Amount
  
Rate
 
Maturity Date
 
Call Date
 
$
1,043,961
   
2.95
%
May 20, 2013
  
-
 
 
782,971
   
2.62
%
October 2, 2013
  
-
 
 
1,043,961
   
3.20
%
June 18,2014
  
-
 
 
782,971
   
3.05
%
October 2, 2014
  
-
 
 
4,175,846
   
3.84
%
October 20, 2014
 
January 22, 2013
 
 
10,000,000
   
4.60
%
December 22, 2016
  
-
 
 
4,175,846
   
3.90
%
October 19, 2017
 
January 22, 2013
 
 
3,131,884
   
2.91
%
December 4, 2017
 
March 4, 2013
 
 
2,087,923
   
3.05
%
January 2, 2018
 
April 1, 2013
 
$
27,225,363
   
3.86
%
 
    

Each advance is payable at its maturity date, with a prepayment penalty for term advances.  The advances were collateralized by $145,107,384 and $142,278,166 of first mortgage loans under a blanket lien arrangement at December 31, 2013 and 2012, respectively.  Based on this collateral and the Corporation’s holdings of FHLB stock, the Corporation is eligible to borrow up to a total of $73,083,424 at year-end 2013.
XML 66 R1.htm IDEA: XBRL DOCUMENT v2.4.0.8
Document and Entity Information (USD $)
 12 Months Ended
Dec. 31, 2013
Mar. 13, 2014
Jun. 30, 2013
Document and Entity Information [Abstract]      
Entity Registrant Name CHEMUNG FINANCIAL CORP    
Entity Central Index Key 0000763563    
Current Fiscal Year End Date --12-31    
Entity Well-known Seasoned Issuer No    
Entity Voluntary Filers No    
Entity Current Reporting Status Yes    
Entity Filer Category Accelerated Filer    
Entity Public Float     $ 117,114,195
Entity Common Stock, Shares Outstanding   4,614,382  
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 67 R18.htm IDEA: XBRL DOCUMENT v2.4.0.8
INCOME TAXES
 12 Months Ended
Dec. 31, 2013
INCOME TAXES [Abstract]  
INCOME TAXES
  (10)           INCOME TAXES

For the years ended December 31, 2013, 2012 and 2011, income tax expense attributable to income from operations consisted of the following:

Current:
 
2013
   
2012
   
2011
 
  State
 
$
394,645
   
$
529,603
   
$
24,739
 
  Federal
   
3,548,242
     
4,207,980
     
1,592,276
 
     
3,942,887
     
4,737,583
     
1,617,015
 
Deferred expense/(benefit)
   
(120,590
)
   
646,899
     
3,416,135
 
   
$
3,822,297
   
$
5,384,482
   
$
5,033,150
 

Income tax expense differed from the amounts computed by applying the U.S. Federal statutory income tax rate to income before income tax expense as follows:

   
2013
   
2012
   
2011
 
Tax computed at statutory rate
 
$
4,268,140
   
$
5,578,285
   
$
5,294,107
 
Tax-exempt interest
   
(483,029
)
   
(506,280
)
   
(543,638
)
Dividend exclusion
   
(46,330
)
   
(39,237
)
   
(35,439
)
State taxes, net of Federal impact
   
188,182
     
438,582
     
386,214
 
Nondeductible interest expense
   
10,860
     
16,119
     
23,242
 
Other items, net
   
(115,526
)
   
(102,987
)
   
(91,336
)
     Income tax expense
 
$
3,822,297
   
$
5,384,482
   
$
5,033,150
 
 
The tax effects of temporary differences that give rise to significant portions of the deferred tax assets and deferred tax liabilities at December 31, 2013 and 2012, are presented below:

   
2013
   
2012
 
Deferred tax assets:
           
Allowance for loan losses
 
$
4,889,110
   
$
3,989,953
 
Accrual for employee benefit plans
   
753,917
     
780,282
 
Depreciation
   
431,029
     
698,373
 
Deferred compensation and directors' fees
   
947,406
     
924,582
 
Purchase accounting adjustment – deposits
   
136,975
     
141,784
 
Purchase accounting adjustment – loans
   
339,440
     
612,696
 
Purchase accounting adjustment - fixed assets
   
223,744
     
223,602
 
Accounting for defined benefit pension and other benefit plans
   
3,690,995
     
6,776,728
 
Trust preferred impairment write down
   
741,926
     
1,340,893
 
Other
   
510,429
     
723,419
 
    Total gross deferred tax assets
 
$
12,664,971
   
$
16,212,312
 

Deferred tax liabilities:
 
2013
   
2012
 
Deferred loan fees and costs
 
$
929,357
   
$
908,343
 
Prepaid pension
   
5,435,293
     
6,102,441
 
Net unrealized gains on securities available for sale
   
3,929,141
     
5,165,238
 
Other
   
1,288,557
     
1,100,783
 
    Total gross deferred tax liabilities
   
11,582,348
     
13,276,805
 
      Net deferred tax asset
 
$
1,082,623
   
$
2,935,507
 

Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the loss carryback period. A valuation allowance is recognized when it is more likely than not that some portion of the deferred tax assets will not be realized.  In assessing the need for a valuation allowance, management considers the scheduled reversal of the deferred tax assets, the level of historical taxable income and projected future taxable income over the periods in which the temporary differences comprising the deferred tax assets will be deductible.  Based on its assessment, management determined that no valuation allowance is necessary.

A reconciliation of the beginning and ending amount of unrecognized tax benefits (excluding interest) is as follows:

     
2011
 
Balance at January 1
   
$
123,530
 
Additions for tax positions of current year
     
-
 
Reductions related to settlement with taxing authorities
     
(123,530
)
Balance at December 31
   
$
-
 

As of December 31, 2013 and December 31, 2012 the Corporation did not have any unrecognized tax benefits.

The Corporation accounts for interest and penalties related to uncertain tax positions as part of its provision for Federal and State income taxes.  As of December 31, 2013 and 2012, the Corporation did not accrue any interest or penalties related to its uncertain tax positions.

The Corporation is not currently subject to examinations by Federal taxing authorities for the years prior to 2010 and for New York State taxing authorities for the years prior to 2010.
 
XML 68 R4.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF INCOME (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Interest and Dividend Income:      
Loans, including fees $ 45,135,158 $ 45,297,943 $ 43,180,698
Taxable securities 4,391,292 5,357,179 5,874,019
Tax exempt securities 1,100,494 1,268,242 1,378,753
Interest-bearing deposits 36,285 152,891 214,529
Total interest and dividend income 50,663,229 52,076,255 50,647,999
Interest Expense:      
Deposits 2,349,793 3,181,608 4,284,574
Borrowed funds 824,238 1,058,547 1,073,016
Securities sold under agreements to repurchase 858,479 994,227 1,375,361
Total interest expense 4,032,510 5,234,382 6,732,951
Net interest income 46,630,719 46,841,873 43,915,048
Provision for loan losses 2,754,726 827,567 958,333
Net interest income after provision for loan losses 43,875,993 46,014,306 42,956,715
Other operating income:      
Wealth management group fee income 7,344,045 6,826,976 6,709,685
Service charges on deposit accounts 4,706,137 4,240,908 4,281,808
Net gains on securities transactions 16,379 300,516 1,108,091
Other-than-temporary loss on investment securities:      
Total impairment losses (29,025) 0 (67,400)
Loss recognized in other comprehensive income 0 0 0
Net impairment loss recognized in earnings (29,025) 0 (67,400)
Net gain on sales of loans held for sale 502,718 484,006 179,096
Casualty gains 0 790,248 0
Net gains (losses) on sales of other real estate owned 27,695 (44,648) 91,533
Gain from bargain purchase 469,929 0 0
Income from bank owned life insurance 83,931 86,577 88,389
Other 4,954,795 4,503,158 5,071,385
Total other operating income 18,076,604 17,187,741 17,462,587
Other operating expenses:      
Salaries and wages 19,365,106 18,917,724 17,136,433
Pension and other employee benefits 5,939,205 5,623,861 4,796,994
Net occupancy expenses 5,501,492 5,163,865 5,015,936
Furniture and equipment expenses 2,326,134 2,205,166 2,118,544
Data processing expense 4,750,184 4,420,953 3,915,841
Professional services 928,228 1,442,644 949,779
Amortization of intangible assets 921,413 1,046,720 1,041,193
Marketing and advertising expense 1,033,200 1,068,494 1,037,416
Other real estate owned expenses 194,065 328,182 104,829
FDIC insurance 866,053 807,493 967,254
Loan expense 779,405 788,473 607,732
Merger and acquisition related expenses 1,386,789 30,145 2,255,169
Other 5,407,970 4,951,605 4,901,277
Total other operating expenses 49,399,244 46,795,325 44,848,397
Income before income tax expense 12,553,353 16,406,722 15,570,905
Income tax expense 3,822,297 5,384,482 5,033,150
Net income $ 8,731,056 $ 11,022,240 $ 10,537,755
Weighted average shares outstanding (in shares) 4,659,685 4,640,912 4,382,843
Basic and diluted earnings per share (in dollars per share) $ 1.87 $ 2.38 $ 2.40
XML 69 R12.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2013
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]  
LOANS AND ALLOWANCE FOR LOAN LOSSES
(4)           LOANS AND ALLOWANCE FOR LOAN LOSSES

The composition of the loan portfolio, net of deferred origination fees and cost, and unearned income is summarized as follows:
   
December 31, 2013
  
December 31, 2012
 
Commercial and agricultural:
    
  Commercial and industrial
 
$
144,786,585
  
$
133,154,615
 
  Agricultural
  
575,670
   
696,666
 
Commercial mortgages:
        
  Construction
  
27,440,372
   
43,269,303
 
  Commercial mortgages
  
345,706,661
   
276,928,123
 
Residential mortgages
  
195,996,599
   
200,475,097
 
Consumer loans:
        
  Credit cards
  
1,756,414
   
1,851,145
 
  Home equity lines and loans
  
95,905,130
   
87,045,421
 
  Indirect consumer loans
  
164,845,874
   
130,573,200
 
  Direct consumer loans
  
18,852,459
   
19,523,371
 
      Total loans, net of deferred origination
        fees and costs, and unearned income
 
$
995,865,764
  
$
893,516,941
 
Interest receivable on loans
  
2,597,301
   
2,383,998
 
      Total recorded investment in loans
 
$
998,463,065
  
$
895,900,939
 

Residential mortgages held for sale as of December 31, 2013 and 2012 totaling $694,840 and $1,057,309, respectively, are not included in the above table.

Residential mortgages totaling $145,107,384 at December 31, 2013 and $142,278,166 at December 31, 2012 were pledged under a blanket collateral agreement for the Corporation's line of credit with the FHLBNY.

The Corporation's concentrations of credit risk by loan type are reflected in the preceding table.  The concentrations of credit risk with standby letters of credit, committed lines of credit and commitments to originate new loans generally follow the loan classifications in the table above.

The following tables present the activity in the allowance for loan losses by portfolio segment for the years ending December 31, 2013, 2012 and 2011, respectively:
 
   
December 31, 2013
 
Allowance for loan losses
 
Commercial, and Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Unallocated
   
Total
 
Beginning balance:
 
$
1,707,596
   
$
4,427,698
   
$
1,565,571
   
$
2,705,639
   
$
26,146
   
$
10,432,650
 
  Charge Offs:
   
(186,045
)
   
(44,049
)
   
(124,277
)
   
(1,139,061
)
   
-
     
(1,493,432
)
  Recoveries:
   
537,476
     
97,953
     
65,180
     
381,015
     
-
     
1,081,624
 
     Net recoveries (charge offs)
   
351,431
     
53,904
     
(59,097
)
   
(758,046
)
   
-
     
(411,808
)
  Provision
   
(80,338
)
   
1,761,394
     
10,418
     
1,089,398
     
(26,146
)
   
2,754,726
 
Ending balance
 
$
1,978,689
   
$
6,242,996
   
$
1,516,892
   
$
3,036,991
   
$
-
   
$
12,775,568
 


   
December 31, 2012
 
Allowance for loan losses
 
Commercial, and Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Unallocated
   
Total
 
Beginning balance:
 
$
3,143,373
   
$
2,570,149
   
$
1,309,649
   
$
2,192,729
   
$
443,420
   
$
9,659,320
 
Reclassification of acquired
  loan discount
   
73,229
     
50,331
     
-
     
-
     
-
     
123,560
 
  Charge Offs:
   
(180,999
)
   
(335,093
)
   
(82,442
)
   
(673,885
)
   
-
     
(1,272,419
)
  Recoveries:
   
802,056
     
54,637
     
-
     
237,929
     
-
     
1,094,622
 
     Net recoveries (charge offs)
   
621,057
     
(280,456
)
   
(82,442
)
   
(435,956
)
   
-
     
(177,797
)
  Provision
   
(2,130,063
)
   
2,087,674
     
338,364
     
948,866
     
(417,274
)
   
827,567
 
Ending balance
 
$
1,707,596
   
$
4,427,698
   
$
1,565,571
   
$
2,705,639
   
$
26,146
   
$
10,432,650
 


   
December 31, 2011
 
Allowance for loan losses
 
Commercial,  and Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Unallocated
   
Total
 
Beginning balance:
 
$
2,118,299
   
$
2,575,058
   
$
1,301,780
   
$
2,727,022
   
$
775,972
   
$
9,498,131
 
  Charge Offs:
   
(686,192
)
   
(19,206
)
   
(67,333
)
   
(725,826
)
   
-
     
(1,498,557
)
  Recoveries:
   
423,422
     
40,717
     
44,953
     
192,321
     
-
     
701,413
 
   Net (charge offs) recoveries
   
(262,770
)
   
21,511
     
(22,380
)
   
(533,505
)
   
-
     
(797,144
)
  Provision
   
1,287,844
     
(26,420
)
   
30,249
     
(788
)
   
(332,552
)
   
958,333
 
Ending balance
 
$
3,143,373
   
$
2,570,149
   
$
1,309,649
   
$
2,192,729
   
$
443,420
   
$
9,659,320
 


The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method as of December 31, 2013 and December 31, 2012:

   
December 31, 2013
Allowance for loan losses
 
Commercial,  and Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Unallocated
   
Total
 
Ending allowance balance
  attributable to loans:
                                   
Individually evaluated for
  impairment
 
$
575,995
   
$
466,055
   
$
-
   
$
3,972
   
$
-
   
$
1,046,022
 
Collectively evaluated for
  impairment
   
1,402,694
     
4,407,377
     
1,497,214
     
3,033,019
     
-
     
10,340,304
 
Loans acquired with
  deteriorated credit quality
   
-
     
1,369,564
     
19,678
     
-
     
-
     
1,389,242
 
Total ending allowance balance
 
$
1,978,689
   
$
6,242,996
   
$
1,516,892
   
$
3,036,991
   
$
-
   
$
12,775,568
 


   
December 31, 2012
Allowance for loan losses
 
Commercial,  and Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Unallocated
   
Total
 
Ending allowance balance attributable to loans:
                                   
Individually evaluated for impairment
 
$
133,437
   
$
59,201
   
$
-
   
$
-
   
$
-
   
$
192,638
 
Collectively evaluated for impairment
   
1,459,432
     
3,533,365
     
1,565,571
     
2,705,639
     
26,146
     
9,290,153
 
Loans acquired with
  Deteriorated credit quality
   
114,727
     
835,132
     
-
     
-
     
-
     
949,859
 
Total ending allowance balance
 
$
1,707,596
   
$
4,427,698
   
$
1,565,571
   
$
2,705,639
   
$
26,146
   
$
10,432,650
 
 
   
December 31, 2013
 
Loans:
 
Commercial
and
Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Total
 
Loans individually
  evaluated for impairment
 
$
2,945,524
   
$
10,702,816
   
$
117,278
   
$
130,929
   
$
13,896,547
 
Loans collectively
  evaluated for  impairment
   
142,107,931
     
354,636,380
     
196,146,739
     
281,978,972
     
974,870,022
 
Loans acquired with deteriorated
  credit quality
   
678,383
     
8,756,562
     
261,551
     
-
     
9,696,496
 
Total ending loans balance
 
$
145,731,838
   
$
374,095,758
   
$
196,525,568
   
$
282,109,901
   
$
998,463,065
 



   
December 31, 2012
 
Loans:
 
Commercial
and
Agricultural
   
Commercial Mortgages
   
Residential Mortgages
   
Consumer Loans
   
Total
 
Loans individually
  evaluated for impairment
 
$
1,907,395
   
$
10,620,274
   
$
131,909
   
$
-
   
$
12,659,578
 
Loans collectively
  evaluated for  impairment
   
131,045,609
     
301,172,164
     
200,622,600
     
239,689,455
     
872,529,828
 
Loans acquired with deteriorated
  credit quality
   
1,241,418
     
9,225,847
     
244,268
     
-
     
10,711,533
 
Total ending loans balance
 
$
134,194,422
   
$
321,018,285
   
$
200,998,777
   
$
239,689,455
   
$
895,900,939
 
 
The following tables present loans individually evaluated for impairment recognized by class of loans as of December 31, 2013 and December 31, 2012, the average recorded investment and interest income recognized by class of loans as of the years ending December 31, 2013 and 2012:
 
   
December 31, 2013
 
December 31, 2012
 
   
Unpaid Principal Balance
   
Recorded Investment
   
Allowance for Loan Losses Allocated
   
Unpaid Principal Balance
   
Recorded Investment
     
Allowance for Loan Losses Allocated
   
With no related allowance recorded:
                                       
Commercial and agricultural:
                                       
  Commercial and industrial
 
$
1,905,782
   
$
1,909,412
   
$
-
   
$
2,059,027
 
$
1,462,157
   
$
-
   
Commercial mortgages:
                                               
  Construction
   
2,329,223
     
2,318,729
     
-
     
5,168,353
   
5,166,853
     
-
   
  Commercial mortgages other
   
7,406,355
     
7,439,358
     
-
     
5,678,565
   
5,090,399
     
-
   
Residential mortgages
   
117,278
     
117,278
     
-
     
131,909
   
131,909
     
-
   
Consumer loans:
                                               
  Home equity lines and loans
   
70,970
     
72,730
     
-
     
-
   
-
     
-
   
With an allowance recorded:
                                               
Commercial and agricultural:
                                               
  Commercial and industrial
   
1,036,381
     
1,036,112
     
575,995
     
446,330
   
445,238
     
133,437
   
Commercial mortgages:
                                               
  Commercial mortgages other
   
951,241
     
944,729
     
466,055
     
364,423
   
363,022
     
59,201
   
Consumer loans:
                                               
  Home equity lines and loans
   
57,828
     
58,199
     
3,972
     
-
   
-
     
-
   
  Total
 
$
13,875,058
   
$
13,896,547
   
$
1,046,022
   
$
13,848,607
 
$
12,659,578
   
$
192,638
   


   
December 31, 2013
   
December 31, 2012
   
December 31, 2011
   
   
Average Recorded Investment
   
Interest Income Recognized (1)
   
Average Recorded Investment
   
Interest Income Recognized (1)
   
Average Recorded Investment
     
Interest Income Recognized (1)
   
With no related allowance recorded:
                                       
Commercial and agricultural:
                                       
  Commercial and industrial
 
$
1,604,773
   
$
71,088
   
$
480,755
   
$
632
 
$
3,029,611
   
$
28,796
   
Commercial mortgages:
                                               
  Construction
   
3,364,173
     
95,235
     
73,316
     
870
   
20,578
     
-
   
  Commercial mortgages other
   
5,990,852
     
249,459
     
1,989,795
     
10,338
   
2,743,345
     
4,959
   
Residential mortgages
   
124,896
     
-
     
105,880
     
-
   
250,391
     
-
   
Consumer loans:
                                               
  Home equity lines & loans
   
47,472
     
2,043
     
29,784
     
-
   
-
     
-
   
With an allowance recorded:
                                               
Commercial and agricultural:
                                               
  Commercial and industrial
   
719,453
     
-
     
1,830,896
     
-
   
2,065,263
     
-
   
Commercial mortgages:
                                               
  Construction
   
-
     
-
     
4,148
     
-
   
14,893
     
-
   
  Commercial mortgages other
   
866,722
     
-
     
872,292
     
-
   
1,521,828
     
-
   
Residential mortgages
   
-
     
-
     
64,003
     
-
   
-
     
-
   
Consumer loans:
                             
 
               
  Home equity lines and loans
   
46,520
     
3,437
     
-
     
-
                 
  Direct consumer loans
   
3,050
     
-
     
-
     
-
   
-
     
-
   
  Total
 
$
12,767,911
   
$
421,262
   
$
5,450,869
   
$
11,840
 
$
9,645,909
   
$
33,755
   
 
The following tables present the recorded investment in past due and non-accrual status by class of loans as of December 31, 2013 and December 31, 2012:
                                                 
December 31, 2013
 
Current
   
30-89 Days Past Due
   
90 Days or more Past Due and accruing
     
Loans acquired with deteriorated credit quality
   
Non-Accrual (1)
   
Total
 
Commercial and agricultural:
                                     
  Commercial and industrial
 
$
143,099,999
   
$
28,888
   
$
-
   
$
678,383
   
$
1,347,435
   
$
145,154,705
 
  Agricultural
   
577,133
     
-
     
-
     
-
     
-
     
577,133
 
Commercial mortgages:
                                               
  Construction
   
24,743,496
     
-
     
1,453,180
     
773,738
     
539,725
     
27,510,139
 
  Commercial mortgages other
   
335,122,887
     
1,137,897
     
-
     
7,982,824
     
2,342,011
     
346,585,619
 
Residential mortgages
   
187,448,407
     
5,457,860
     
-
     
261,551
     
3,357,750
     
196,525,568
 
Consumer loans:
                                               
  Credit cards
   
1,727,573
     
9,427
     
19,414
     
-
     
-
     
1,756,414
 
  Home equity lines and loans
   
95,348,467
     
150,238
     
-
     
-
     
635,373
     
96,134,078
 
  Indirect consumer loans
   
163,809,750
     
1,235,404
     
-
     
-
     
249,258
     
165,294,412
 
  Direct consumer loans
   
18,830,404
     
49,155
     
-
     
-
     
45,438
     
18,924,997
 
  Total
 
$
970,708,116
   
$
8,068,869
   
$
1,472,594
   
$
9,696,496
   
$
8,516,990
   
$
998,463,065
 
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2013.


                                                 
December 31, 2012
 
Current
   
30-89 Days Past Due
   
90 Days or more Past Due and accruing
     
Loans acquired with deteriorated credit quality
   
Non-Accrual (1)
   
Total
 
Commercial and agricultural:
                                     
  Commercial and industrial
 
$
131,404,371
   
$
183,269
   
$
-
   
$
1,241,418
   
$
666,912
   
$
133,495,970
 
  Agricultural
   
698,452
     
-
     
-
     
-
     
-
     
698,452
 
Commercial mortgages:
                                               
  Construction
   
36,988,222
     
294,565
     
4,481,066
     
1,182,037
     
434,338
     
43,380,228
 
  Commercial mortgages other
   
266,261,798
     
1,750,806
     
-
     
8,043,810
     
1,581,643
     
277,638,057
 
Residential mortgages
   
194,185,617
     
4,145,868
     
-
`
   
244,268
     
2,423,024
     
200,998,777
 
Consumer loans:
                                               
  Credit cards
   
1,847,837
     
-
     
3,308
     
-
     
-
     
1,851,145
 
  Home equity lines and loans
   
86,486,781
     
211,739
     
-
     
-
     
571,365
     
87,269,885
 
  Indirect consumer loans
   
129,789,672
     
852,818
     
-
     
-
     
335,285
     
130,977,775
 
 Direct consumer loans
   
19,481,693
     
89,619
     
-
     
-
     
19,338
     
19,590,650
 
  Total
 
$
867,144,443
   
$
7,528,684
   
$
4,484,374
   
$
10,711,533
   
$
6,031,905
   
$
895,900,939
 
(1)  Includes all loans on non-accrual status regardless of the number of days such loans were delinquent as of December 31, 2012.

Troubled Debt Restructurings:

As of December 31, 2013 and 2012, the Corporation has a recorded investment in troubled debt restructurings of $7,891,734 and $5,728,610, respectively.  There were specific reserves of $252,790 allocated for troubled debt restructurings at December 31, 2013 and no specific reserves allocated for troubled debt restructurings at December 31, 2012.  As of December 31, 2013, troubled debt restructurings totaling $6,830,550 were accruing interest under the modified terms and $1,061,184 were on non-accrual status.  As of December 31, 2012, troubled debt restructurings totaling $5,363,712 were accruing interest under the modified terms and $364,898 were on non-accrual status.  The Corporation has committed additional amounts totaling up to $165,000 and $130,000 as of December 31, 2013 and December 31, 2012, respectively, to customers with outstanding loans that are classified as troubled debt restructurings.

During the years ending December 31, 2013 and 2012, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: reduced scheduled payments for greater than 3 months or an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk.

The following table presents loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2013 and 2012:

December 31, 2013
 
Number of Loans
   
Pre-Modification Outstanding Recorded Investment
   
Post-Modification Outstanding Recorded Investment
   
Troubled debt restructurings:
                   
  Commercial and agricultural:
                         
    Commercial and industrial
   
5
   
$
1,342,690
   
$
1,342,690
   
  Commercial mortgages:
                         
    Construction
   
1
     
325,957
     
325,957
   
    Commercial mortgage other
   
1
     
133,000
     
133,000
   
  Consumer loans:
                         
    Home equity lines and loans
   
3
     
134,225
     
134,255
   
Total
   
10
   
$
1,935,872
   
$
1,935,872
   


December 31, 2012
 
Number of Loans
   
Pre-Modification Outstanding Recorded Investment
   
Post-Modification Outstanding Recorded Investment
   
Troubled debt restructurings:
                   
  Commercial and agricultural:
                         
    Commercial and industrial
   
4
   
$
1,307,188
   
$
1,307,188
   
  Commercial mortgages:
                         
    Construction
   
1
     
251,448
     
251,448
   
    Commercial mortgage other
   
3
     
3,871,779
     
3,871,779
   
Total
   
8
   
$
5,430,415
   
$
5,430,415
   

The troubled debt restructurings described above increased the allowance for loan losses by $107,727 and resulted in no charge offs during the year ended December 31, 2013.  The troubled debt restructurings described above did not increase the allowance for loan losses and resulted in no charge offs during the year ending December 31, 2012.

There were no payment defaults on any loans previously modified as troubled debt restructurings during the years ended December 31, 2013 or December 31, 2012, within twelve months following the modification.  A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.
 
Credit Quality Indicators

The Corporation establishes a risk rating at origination for all commercial loans.  The main factors considered in assigning risk ratings include, but are not limited to: historic and future debt service coverage, collateral position, operating performance, liquidity, leverage, payment history, management ability, and the customer’s industry.  Commercial relationship managers monitor all loans in their respective portfolios for any changes in the borrower’s ability to service their debt and affirm the risk ratings for the loans at least annually.

For the retail loans, which include lines of credit, installment, mortgage, and home equity loans, once a loan is properly approved and closed, the Corporation evaluates credit quality based upon loan repayment.

The Corporation uses the risk rating system to identify criticized and classified loans. Commercial relationships within the criticized and classified risk ratings are analyzed quarterly.  The Corporation uses the following definitions for criticized and classified loans (which are consistent with regulatory guidelines):

Special Mention – Loans classified as special mention have a potential weakness that deserves management’s close attention.  If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or the institution’s credit position as some future date.

Substandard – Loans classified as substandard are inadequately protected by the current net worth and paying capability of the obligor or of the collateral pledged, if any.  Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.  They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected.

Doubtful – Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be not rated loans.  Based on the analyses performed as of December 31, 2013 and December 31, 2012, the risk category of the recorded investment of loans by class of loans is as follows:

 
December 31, 2013
     
   
Not Rated
   
Pass
   
Loans acquired with deteriorated credit quality
   
Special Mention
   
Substandard
   
Doubtful
   
Commercial and agricultural:
                                     
  Commercial and industrial
 
$
-
   
$
133,614,964
   
$
678,383
   
$
5,116,316
   
$
4,724,318
   
$
1,020,725
   
  Agricultural
   
-
     
577,133
     
-
     
-
     
-
     
-
   
Commercial mortgages:
                                                 
  Construction
   
-
     
23,087,004
     
773,738
     
2,783,848
     
865,549
     
-
   
  Commercial mortgage other
   
-
     
313,955,960
     
7,982,824
     
13,611,331
     
11,035,504
     
-
   
Residential mortgages
   
192,995,108
     
-
     
261,551
     
-
     
3,268,909
     
-
   
Consumer loans:
                                                 
  Credit cards
   
1,756,414
     
-
     
-
     
-
     
-
     
-
   
  Home equity lines and loans
   
95,421,822
     
-
     
-
     
-
     
712,256
     
-
   
  Indirect consumer loans
   
165,045,154
     
-
     
-
     
-
     
249,257
     
-
   
  Direct consumer loans
   
18,879,559
     
-
     
-
     
-
     
45,438
     
-
   
Total
 
$
474,098,057
   
$
471,235,061
   
$
9,696,496
   
$
21,511,495
   
$
20,901,231
   
$
1,020,725
   
 
 
December 31, 2012
     
   
Not Rated
   
Pass
   
Loans acquired with deteriorated credit quality
   
Special Mention
   
Substandard
   
Doubtful
   
Commercial and agricultural:
                                     
  Commercial and industrial
 
$
-
   
$
121,145,761
   
$
1,241,418
   
$
8,008,002
   
$
2,606,529
   
$
494,260
   
  Agricultural
   
-
     
698,452
     
-
     
-
     
-
     
-
   
Commercial mortgages:
                                                 
  Construction
   
-
     
34,882,896
     
1,182,037
     
5,153,918
     
2,161,377
     
-
   
  Commercial mortgage other
   
-
     
247,793,150
     
8,043,810
     
11,974,716
     
9,826,381
     
-
   
Residential mortgages
   
198,336,641
     
-
     
244,268
     
-
     
2,417,868
     
-
   
Consumer loans:
                                                 
  Credit cards
   
1,851,145
     
-
     
-
     
-
     
-
     
-
   
  Home equity lines and loans
   
86,615,392
     
-
     
-
     
-
     
654,493
     
-
   
  Indirect consumer loans
   
130,642,490
     
-
     
-
     
-
     
335,285
     
-
   
  Direct consumer loans
   
19,571,312
     
-
     
-
     
-
     
19,338
     
-
   
Total
 
$
437,016,980
   
$
404,520,259
   
$
10,711,533
   
$
25,136,636
   
$
18,021,271
   
$
494,260
   

The Corporation considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential and consumer loan classes, the Corporation also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity.  The following table presents the recorded investment in residential and consumer loans based on payment activity as of December 31, 2013 and December 31, 2012:

   
December 31, 2013
         
Consumer Loans
 
   
Residential Mortgages
   
Credit Card
   
Home Equity Lines and Loans
   
Indirect Consumer Loans
   
Other Direct Consumer Loans
 
Performing
 
$
193,167,818
   
$
1,737,000
   
$
95,498,705
   
$
165,045,154
   
$
18,879,559
 
Non-Performing
   
3,357,750
     
19,414
     
635,373
     
249,258
     
45,438
 
   
$
196,525,568
   
$
1,756,414
   
$
96,134,078
   
$
165,294,412
   
$
18,924,997
 


   
December 31, 2012
         
Consumer Loans
 
   
Residential Mortgages
   
Credit Card
   
Home Equity Lines and Loans
   
Indirect Consumer Loans
   
Other Direct Consumer Loans
 
Performing
 
$
198,575,753
   
$
1,847,837
   
$
86,698,520
   
$
130,642,490
   
$
19,571,312
 
Non-Performing
   
2,423,024
     
3,308
     
571,365
     
335,285
     
19,338
 
   
$
200,998,777
   
$
1,851,145
   
$
87,269,885
   
$
130,977,775
   
$
19,590,650
 


At the time of the merger with Fort Orange Financial Corp., the Corporation identified certain loans with evidence of deteriorated credit quality, and the probability that the Corporation would be unable to collect all contractually required payments from the borrower.  These loans are classified as PCI loans.  The Corporation adjusted its estimates of future expected losses, cash flows, and renewal assumptions on the PCI loans during the current year.  These adjustments were made for changes in expected cash flows due to loans refinanced beyond original maturity dates, impairments recognized subsequent to the acquisition, advances made for taxes or insurance to protect collateral held and payments received in excess of amounts originally expected.
 
The table below summarizes the changes in total contractually required principal and interest cash payments, management’s estimate of expected total cash payments and carrying value of the PCI loans from January 1, 2013 to December 31, 2013:
   
Balance at December 31, 2012
   
Income Accretion
   
All Other Adjustments
   
Balance at December 31, 2013
 
Contractually required principal and interest
 
$
16,896,078
   
$
-
   
$
(5,665,656
)
 
$
11,230,422
 
Contractual cash flows not expected to be collected
  (nonaccretable discount)
   
(3,655,500
)
   
-
     
3,112,751
     
(542,749
)
Cash flows expected to be collected
   
13,240,578
     
-
     
(2,552,905
)
   
10,687,673
 
Interest component of expected cash flows (accretable yield)
   
(2,529,045
)
   
1,162,653
     
375,215
     
(991,177
)
Fair value of loans acquired with deteriorating credit quality
 
$
10,711,533
   
$
1,162,653
   
$
(2,177,690
)
 
$
9,696,496
 

XML 70 R11.htm IDEA: XBRL DOCUMENT v2.4.0.8
SECURITIES
 12 Months Ended
Dec. 31, 2013
SECURITIES [Abstract]  
SECURITIES
(3)           SECURITIES

Amortized cost and estimated fair value of securities available for sale at December 31, 2013 and 2012 are as follows:
 
   
2013
   
2012
 
   
Amortized Cost
   
Estimated Fair Value
   
Amortized Cost
   
Estimated Fair Value
 
Obligations of U.S. Government and U.S.
  Government sponsored enterprises
 
$
187,098,006
   
$
188,106,208
   
$
138,041,393
   
$
141,591,214
 
Mortgage-backed securities, residential
   
104,068,981
     
104,356,521
     
29,591,883
     
31,515,249
 
Collateralized mortgage obligations
   
1,000,743
     
1,014,876
     
3,494,642
     
3,543,360
 
Obligations of states and political
  subdivisions
   
37,339,530
     
38,376,222
     
39,174,595
     
40,814,722
 
Corporate bonds and notes
   
2,878,813
     
2,945,807
     
11,412,167
     
11,651,635
 
SBA loan pools
   
1,470,513
     
1,487,579
     
1,682,736
     
1,724,140
 
Trust preferred securities
   
1,898,047
     
2,033,594
     
2,519,379
     
2,470,913
 
Corporate stocks
   
444,452
     
7,695,099
     
736,495
     
6,374,530
 
     Total
 
$
336,199,085
   
$
346,015,906
   
$
226,653,290
   
$
239,685,763
 
 
Gross unrealized gains and losses on securities available for sale at December 31, 2013 and 2012, were as follows:

   
2013
   
2012
 
   
Unrealized
   
Unrealized
   
Unrealized
   
Unrealized
 
   
Gains
   
Losses
   
Gains
   
Losses
 
Obligations of U.S. Government and U.S.
  Government sponsored enterprises
 
$
1,914,660
   
$
906,458
   
$
3,549,821
   
$
-
 
Mortgage-backed securities, residential
   
1,037,343
     
749,803
     
1,923,366
     
-
 
Collateralized mortgage obligations
   
14,133
     
-
     
48,718
     
-
 
Obligations of states and political subdivisions
   
1,059,007
     
22,315
     
1,641,510
     
1,383
 
Corporate bonds and notes
   
75,672
     
8,678
     
239,468
     
-
 
SBA loan pools
   
17,066
     
-
     
41,404
     
-
 
Trust preferred securities
   
135,547
     
-
     
134,959
     
183,425
 
Corporate stocks
   
7,252,615
     
1,968
     
5,645,753
     
7,718
 
     Total
 
$
11,506,043
   
$
1,689,222
   
$
13,224,999
   
$
192,526
 
 
The amortized cost and estimated fair value of debt securities available for sale are shown below by expected maturity.  Expected maturities may differ from contractual maturities if borrowers have the right to call or prepay obligations with or without call or prepayment penalties.  Securities not due at a single maturity date are shown separately:

   
December 31, 2013
   
   
Amortized
   
Fair
   
   
Cost
   
Value
   
Within One Year
 
$
23,420,022
   
$
23,680,095
   
After One, But Within Five Years
   
188,131,675
     
190,334,668
   
After Five, But Within Ten Years
   
17,662,699
     
17,447,068
   
After Ten Years
   
-
     
-
   
Mortgage-backed securities, residential
   
104,068,981
     
104,356,521
   
Collateralized mortgage obligations
   
1,000,743
     
1,014,876
   
SBA loan pools
   
1,470,513
     
1,487,579
   
     Total
 
$
335,754,633
   
$
338,320,807
   

Actual maturities may differ from contractual maturities above because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

The proceeds from sales and calls of securities resulting in gains or losses are listed below:

   
2013
   
2012
   
2011
Proceeds
$
2,649,993
 
$
26,210,087
 
$
35,741,211
Gross gains
$
16,379
 
$
300,516
 
$
1,108,091
Tax expense
$
6,296
 
$
115,518
 
$
423,191
 
Amortized cost and estimated fair value of securities held to maturity at December 31, 2013 and 2012 are as follows:

   
2013
   
2012
 
   
Amortized Cost
   
Estimated Fair Value
   
Amortized Cost
   
Estimated Fair Value
 
Obligations of states and political subdivisions
 
$
5,471,505
   
$
5,890,122
   
$
5,748,453
   
$
6,421,486
 
Time Deposits with other financial institutions
   
1,023,419
     
1,039,427
     
-
     
-
 
   
$
6,494,924
   
$
6,929,549
   
$
5,748,453
   
$
6,421,486
 
 
Gross unrealized gains and losses on securities held to maturity at December 31, 2013 and 2012, were as follows:

   
2013
   
2012
 
   
Unrealized
   
Unrealized
   
Unrealized
   
Unrealized
 
   
Gains
   
Losses
   
Gains
   
Losses
 
Obligations of states and political subdivisions
 
$
418,617
   
$
-
   
$
673,033
   
$
-
 
Time deposits with other financial institutions
   
16,008
     
-
     
-
     
-
 
     Total
 
$
434,625
   
$
-
   
$
673,033
   
$
-
 

There were no sales of securities held to maturity in 2013 or 2012.

The contractual maturity of securities held to maturity is as follows at December 31, 2013:

   
December 31, 2013
   
   
Amortized
   
Fair
   
   
Cost
   
Value
   
Within One Year
 
$
2,361,713
   
$
2,394,183
   
After One, But Within Five Years
   
2,841,351
     
3,052,594
   
After Five, But Within Ten Years
   
1,291,860
     
1,482,772
   
After Ten Years
   
-
     
-
   
     Total
 
$
6,494,924
   
$
6,929,549
   
 
The following table summarizes the investment securities available for sale with unrealized losses at December 31, 2013 and December 31, 2012 by aggregated major security type and length of time in a continuous unrealized position:

   
Less than 12 months
   
12 months or longer
   
Total
 
2013
 
Fair Value
   
Unrealized
Losses
   
Fair Value
   
Unrealized
Losses
   
Fair Value
   
Unrealized
Losses
 
 
Obligations of U.S.
  Government and U.S.
  Government sponsored
  enterprises
 
$
83,839,910
   
$
867,495
   
$
1,978,200
   
$
38,963
   
$
85,818,110
   
$
906,458
 
Mortgage-backed
  securities, residential
   
63,115,382
     
749,803
     
-
     
-
     
63,115,382
     
749,803
 
Obligations of states and
  political subdivisions
   
4,588,521
     
22,315
     
-
     
-
     
4,588,521
     
22,315
 
Corporate bonds and
  notes
   
237,792
     
8,678
     
-
     
-
     
237,792
     
8,678
 
Corporate stocks
   
-
     
-
     
1,669
     
1,968
     
1,669
     
1,968
 
     Total temporarily
        impaired securities
 
$
151,781,605
   
$
1,648,291
   
$
1,979,869
   
$
40,931
   
$
153,761,474
   
$
1,689,222
 
 
   
Less than 12 months
   
12 months or longer
   
Total
 
2012
 
Fair Value
   
Unrealized
Losses
   
Fair Value
   
Unrealized
Losses
   
Fair Value
   
Unrealized
Losses
 
 
Obligations of states and
  political subdivisions
 
$
-
   
$
-
   
$
430,166
   
$
1,383
   
$
430,166
   
$
1,383
 
Trust preferred securities
   
-
     
-
     
445,600
     
183,425
     
445,600
     
183,425
 
Corporate stocks
   
-
     
-
     
45,912
     
7,718
     
45,912
     
7,718
 
     Total temporarily
        impaired securities
 
$
-
   
$
-
   
$
921,678
   
$
192,526
   
$
921,678
   
$
192,526
 
 
Other-Than-Temporary-Impairment

As of December 31, 2013, the majority of the Corporation’s unrealized losses in the investment securities portfolio related to obligations of U.S. Government and U.S. Government sponsored enterprises and mortgage-backed securities.  Because the decline in fair value is attributable to changes in interest rates and not credit quality, and because the Corporation does not have the intent to sell these securities and it is not likely that it will be required to sell these securities before their anticipated recovery, the Corporation does not consider these securities to be other-than-temporarily impaired at December 31, 2013.

During the fourth quarter of 2013, the Corporation sold one CDO consisting of a pool of trust preferred securities that had an amortized cost of $600,000.  Total proceeds from the sale of this CDO was $600,000 resulting in no gains or losses.  The Corporation recognized $29,025 of additional credit loss in OTTI during 2013.  This CDO was sold in light of the uncertainty surrounding the recently released rules contained in the “Volcker Rule” regarding the ability of banks to hold these types of securities and based on current market conditions.

The table below presents a roll forward of the cumulative credit losses recognized in earnings for the periods ended December 31, 2013, 2012 and 2013:
 
   
2013
   
2012
   
2011
Beginning balance, January 1,
$
3,506,073
 
$
3,506,073
 
$
3,438,673
Amounts related to credit loss for which other-than-temporary
     impairment was not previously recognized
 
-
   
-
   
-
Additions/Subtractions:
               
  Amounts related to securities for which the company intends to sell
     or that it will be more likely than not that the company will be required to
     sell prior to recovery of amortized cost basis
 
-
   
-
   
-
  Reductions for increase in cash flows expected to be collected that are
     recognized over the remaining life of the security
 
-
   
-
   
-
  Reductions for previous credit losses realized on securities sold during the year
 
(1,596,396
)
 
-
   
-
  Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized
 
29,025
   
-
   
67,400
Ending balance, December 31,
$
1,938,702
 
$
3,506,073
 
$
3,506,073

The remaining cumulative credit loss balance relates to one CDO, which was liquidated during the first quarter of 2014.

The fair value of securities pledged to secure public funds on deposit or for other purposes as required by law was $188,875,494 at December 31, 2013 and $212,257,614 at December 31, 2012.

The table below shows the securities pledged to secure securities sold under agreements to repurchase at December 31, 2013 and 2012:
 
   
2013
   
2012
 
   
Amortized Cost
   
Estimated Fair Value
   
Amortized Cost
   
Estimated Fair Value
 
Obligations of U.S. Government and U. S.
  Government sponsored enterprises
 
$
33,745,835
   
$
34,369,411
   
$
31,888,493
   
$
32,812,885
 
Mortgage-backed securities, residential
   
11,802,122
     
12,364,885
     
16,503,983
     
17,575,852
 
Collateralized mortgage obligations
   
204,842
     
207,366
     
756,542
     
770,625
 
     Total
 
$
45,752,799
   
$
46,941,662
   
$
49,149,018
   
$
51,159,362
 

There are no securities of a single issuer (other than securities of U.S. Government sponsored enterprises) that exceed 10% of shareholders' equity at December 31, 2013 or 2012.

The Corporation has an equity investment in Cephas Capital Partners, L.P.  This small business investment company was established for the purpose of providing financing to small businesses in market areas served by the Corporation, including minority-owned small businesses and those that are anticipated to create jobs for the low to moderate income levels in the targeted areas. As of December 31, 2013 and 2012, these investments totaled $956,626 and $1,757,252, respectively, are included in other assets, and are accounted for under the equity method of accounting.
XML 71 R23.htm IDEA: XBRL DOCUMENT v2.4.0.8
PARENT COMPANY FINANCIAL INFORMATION
 12 Months Ended
Dec. 31, 2013
PARENT COMPANY FINANCIAL INFORMATION [Abstract]  
PARENT COMPANY FINANCIAL INFORMATION
(15)         PARENT COMPANY FINANCIAL INFORMATION

Condensed parent company only financial statement information of Chemung Financial Corporation is as follows (investment in subsidiaries is recorded using the equity method of accounting):

BALANCE SHEETS - DECEMBER 31
 
2013
  
2012
 
Assets:
 
  
 
Cash on deposit with subsidiary bank
 
$
2,685,601
  
$
1,788,169
 
Investment in subsidiary-Chemung Canal Trust Company
  
133,557,084
   
126,597,837
 
Investment in subsidiary-CFS Group, Inc.
  
778,949
   
640,229
 
Dividends receivable from subsidiary bank
  
1,194,522
   
-
 
Securities available for sale, at estimated fair value
  
342,898
   
304,190
 
Other assets
  
1,255,162
   
1,813,162
 
Total assets
 
$
139,814,216
  
$
131,143,587
 
Liabilities and shareholders' equity:
        
Dividends payable
  
1,194,522
   
-
 
Other liabilities
  
41,700
   
28,650
 
Total liabilities
  
1,236,222
   
28,650
 
Shareholders' equity:
        
Total shareholders' equity
  
138,577,994
   
131,114,937
 
Total liabilities and shareholders' equity
 
$
139,814,216
  
$
131,143,587
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
STATEMENTS OF INCOME - YEARS ENDED DECEMBER 31
 
2013
  
2012
  
2011
 
Dividends from subsidiary bank
 
$
4,778,149
  
$
4,572,958
  
$
11,916,475
 
Interest and dividend income
  
8,629
   
7,372
   
8,127
 
Other income
  
132,574
   
150,136
   
776,672
 
Operating expenses
  
324,122
   
331,441
   
227,847
 
Income before impact of subsidiaries' undistributed earnings or distributions in excess of earnings and income taxes
  
4,595,230
   
4,399,025
   
12,473,427
 
Equity in undistributed earnings (dividends in excess of earnings) of Chemung Canal Trust Company
  
3,873,011
   
6,410,993
   
(1,837,241
)
Equity in undistributed earnings of CFS Group, Inc.
  
138,720
   
53,798
   
44,166
 
Income before income tax
  
8,606,961
   
10,863,816
   
10,680,352
 
Income tax (benefit) expense
  
(124,095
)
  
(158,424
)
  
142,597
 
Net Income
 
$
8,731,056
  
$
11,022,240
  
$
10,537,755
 

STATEMENTS OF CASH FLOWS - YEARS ENDED DECEMBER 31
 
2013
  
2012
  
2011
 
Cash flows from operating activities:
 
  
  
 
Net Income
 
$
8,731,056
  
$
11,022,240
  
$
10,537,755
 
Adjustments to reconcile net income to net cash provided by operating activities:
            
Equity in (undistributed earnings) dividends in excess of earnings of Chemung Canal Trust Company
  
(3,873,011
)
  
(6,410,993
)
  
1,837,241
 
Equity in undistributed earnings of CFS Group, Inc.
  
(138,720
)
  
(53,798
)
  
(44,166
)
Change in dividend receivable
  
(1,194,522
)
  
1,141,081
   
(259,879
)
Change in other assets
  
558,000
   
765,150
   
(60,510
)
Change in other liabilities
  
78,117
   
48,081
   
161,692
 
Expense related to employee stock compensation
  
112,154
   
80,000
   
55,000
 
Expense related to restricted stock units for directors' deferred compensation plan
  
98,815
   
86,717
   
80,083
 
Expense to employee restricted stock awards
  
130,920
   
79,510
   
28,141
 
Net cash provided by operating activities
  
4,502,809
   
6,757,988
   
12,335,357
 
Cash flow from investing activities:
            
Cash paid Fort Orange Financial Corp. acquisition
  
-
   
-
   
(8,137,816
)
Net cash used by investing activities
  
-
   
-
   
(8,137,816
)
Cash flow from financing activities:
            
Cash dividends paid
  
(3,583,627
)
  
(5,714,039
)
  
(4,056,597
)
Purchase of treasury stock
  
(92,630
)
  
(635,800
)
  
(501,299
)
Sale of treasury stock
  
70,880
   
257,550
   
217,520
 
Net cash used in financing activities
  
(3,605,377
)
  
(6,092,289
)
  
(4,340,376
)
Increase (Decrease) in cash and cash equivalents
  
897,432
   
665,699
   
(142,835
)
Cash and cash equivalents at beginning of year
  
1,788,169
   
1,122,470
   
1,265,305
 
Cash and cash equivalents at end of year
 
$
2,685,601
  
$
1,788,169
  
$
1,122,470
 
XML 72 R19.htm IDEA: XBRL DOCUMENT v2.4.0.8
PENSION PLAN AND OTHER BENEFIT PLANS
 12 Months Ended
Dec. 31, 2013
PENSION PLAN AND OTHER BENEFIT PLANS [Abstract]  
PENSION PLAN AND OTHER BENEFIT PLANS
  (11)           PENSION PLAN AND OTHER BENEFIT PLANS

Pension Plan

The Corporation has a noncontributory defined benefit pension plan covering substantially all employees.  The plan's defined benefit formula generally bases payments to retired employees upon their length of service multiplied by a percentage of the average monthly pay over the last five years of employment.

The Corporation uses a December 31 measurement date for its pension plan.

The Corporation amended the Defined Benefit Pension Plan during 2010.  New employees hired on or after the effective date will not be eligible to participate in the plan, however, existing participants at that time will continue to accrue benefits.  The amendment will result in a decrease over time in the future benefit obligations of the plan and the corresponding net periodic benefit cost associated with the plan.

The following table presents (1) changes in the plan's projected benefit obligation and plan assets, and (2) the plan's funded status at December 31, 2013 and 2012:

Change in projected benefit obligation:
 
2013
   
2012
 
Benefit obligation at beginning of year
 
$
38,051,477
   
$
32,526,033
 
Service cost
   
1,194,869
     
1,073,938
 
Interest cost
   
1,587,037
     
1,605,912
 
Actuarial (gain) loss
   
(3,269,422
)
   
4,213,664
 
Benefits paid
   
(1,378,161
)
   
(1,368,070
)
  Benefit obligation at end of year
 
$
36,185,800
   
$
38,051,477
 

Change in plan assets:
 
2013
   
2012
 
Fair value of plan assets at beginning of year
 
$
37,238,650
   
$
35,015,567
 
Actual return on plan assets
   
5,921,515
     
3,591,153
 
Employer contributions
   
-
     
-
 
Benefits paid
   
(1,378,161
)
   
(1,368,070
)
  Fair value of plan assets at end of year
 
$
41,782,004
   
$
37,238,650
 
                 
Funded status
 
$
5,596,204
   
$
(812,827
)

Amount recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

   
2013
   
2012
 
Net actuarial loss
 
$
9,842,829
   
$
17,789,018
 
Prior service cost
   
21,958
     
35,814
 
  Total before tax effects
 
$
9,864,787
   
$
17,824,832
 

The accumulated benefit obligation at December 31, 2013 and 2012 was $31,182,957 and $32,247,008, respectively.

The principal actuarial assumptions used in determining the projected benefit obligation as of December 31, 2013, 2012 and 2011 were as follows:
 
 
2013
   
2012
   
2011
   
Discount rate
   
4.92
%
   
4.26
%
   
4.95
%
Assumed rate of future compensation increase
   
5.00
%
   
5.00
%
   
5.00
%
 
Components of net periodic benefit cost and other amounts recognized in other comprehensive income in 2013, 2012 and 2011 consist of the following:

Net periodic benefit cost
 
2013
   
2012
   
2011
 
Service cost, benefits earned during the year
 
$
1,194,869
   
$
1,073,938
   
$
993,364
 
Interest cost on projected benefit obligation
   
1,587,037
     
1,605,912
     
1,569,151
 
Expected return on plan assets
   
(2,824,014
)
   
(2,742,609
)
   
(2,340,373
)
Amortization of net loss
   
1,579,266
     
1,410,144
     
706,419
 
Amortization of  prior service cost
   
13,856
     
13,856
     
29,873
 
  Net periodic cost
 
$
1,551,014
   
$
1,361,241
   
$
958,434
 

Other changes in plan assets and benefit obligations recognized in other comprehensive income:
 
2013
   
2012
   
2011
 
Net actuarial (gain) loss
 
$
(6,366,923
)
 
$
3,365,120
   
$
6,815,617
 
Recognized loss
   
(1,579,266
)
   
(1,410,144
)
   
(706,419
)
Amortization of prior service cost
   
(13,856
)
   
(13,856
)
   
(29,873
)
  Total recognized in other comprehensive (loss) income
     (before tax effect)
 
$
(7,960,045
)
 
$
1,941,120
   
$
6,079,325
 
  Total recognized in net benefit cost and other comprehensive
     (loss) income (before tax effect)
 
$
(6,409,031
)
 
$
3,302,361
   
$
7,037,759
 

Amounts expected to be recognized in net periodic cost during 2014
     
Loss recognition
 
$
639,349
 
Prior service cost recognition
 
$
7,320
 

The principal actuarial assumptions used in determining the net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 were as follows:

   
2013
   
2012
   
2011
 
Discount rate
   
4.26
%
   
4.95
%
   
5.65
%
Expected long-term rate of return on assets
   
7.75
%
   
8.00
%
   
8.00
%
Assumed rate of future compensation increase
   
5.00
%
   
5.00
%
   
5.00
%

The Corporation changes important assumptions whenever changing conditions warrant. The discount rate is evaluated at least annually and the expected long-term return on plan assets will typically be revised every three to five years, or as conditions warrant.  Other material assumptions include the compensation increase rates, rates of employee terminations, and rates of participant mortality.

The Corporation's overall investment strategy is to achieve a mix of investments for long-term growth and for near-term benefit payments with a wide diversification of asset types.  The target allocations for plan assets are shown in the table below. Equity securities primarily include investments in common or preferred shares of both U.S. and international companies. Debt securities include U.S. Treasury and Government bonds as well as U.S. Corporate bonds.  Other investments may consist of mutual funds, money market funds and cash & cash equivalents.  While no significant changes in the asset allocations are expected during 2014, the Corporation may make changes at any time.
 
The expected return on plan assets was determined based on a Capital Asset Pricing Model ("CAPM") using historical and expected future returns of the various asset classes, reflecting the target allocations described below.

Asset Class
 
Target Allocation 2013
   
Percentage of Plan Assets at December 31,
   
Expected Long-Term Rate of Return
 
                         
         
2013
   
2012
       
Large Cap Domestic Equities
   
30% - 60
%
   
54
%
   
51
%
   
10.3
%
Mid-Cap Domestic Equities
   
0% - 20
%
   
8
%
   
7
%
   
10.6
%
Small-Cap Domestic Equities
   
0% - 15
%
   
3
%
   
2
%
   
10.8
%
International Equities
   
0% - 25
%
   
4
%
   
4
%
   
10.3
%
Intermediate Fixed Income
   
20% - 50
%
   
26
%
   
31
%
   
4.7
%
Alternative Assets
   
0% - 10
%
   
3
%
   
3
     
7.5
%
Cash
   
0% - 20
%
   
2
%
   
2
%
   
2.5
%
    Total
           
100
%
   
100
%
       

The investment policy of the plan is to provide for long-term growth of principal and income without undue exposure to risk.  The focus is on long-term capital appreciation and income generation. The Corporation maintains an Investment Policy Statement ("IPS") that guides the investment allocation in the plan.  The IPS describes the target asset allocation positions as shown in the table above.

The Corporation has appointed an Employee Pension and Profit Sharing Committee to manage the general philosophy, objectives and process of the plan. The Employee Pension and Profit Sharing Committee meets with the Investment Manager periodically to review the plan's performance and to ensure that the current investment allocation is within the guidelines set forth in the IPS.  Only the Employee Pension and Profit Sharing Committee, in consultation with the Investment Manager, can make adjustments to maintain target ranges and for any permanent changes to the IPS.  Quarterly, the Board of Directors' Trust and Employee Benefits Committee reviews the performance of the plan with the Investment Manager.

As of December 31, 2013 and 2012, the Corporation's pension plan did not hold any direct investment in the Corporation's common stock.

The Corporation used the following methods and significant assumptions to estimate the fair value of each type of financial instrument held by the pension plan:

Fair value is the exchange price that would be received for an asset in the principal or most advantageous market for the asset in an orderly transaction between market participants on the measurement date.  The fair value hierarchy described below requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value.

The fair values for investment securities are determined by quoted market prices, if available (Level 1).  For securities where quoted prices are not available, fair values are calculated based on market prices of similar securities (Level 2).  For securities where quoted prices or market prices of similar securities are not available, fair values are calculated using discounted cash flows or other market indicators (Level 3).

Discounted cash flows are calculated using spread and optionality.  During times when trading is more liquid, broker quotes are used (if available) to validate the model.  Rating agency and industry research reports as well as defaults and deferrals on individual securities are reviewed and incorporated into the calculations.
 
The fair value of the plan assets at December 31, 2013 and 2012, by asset class are as follows:

     
Fair Value Measurement at December 31, 2013 Using
 
Plan Assets:
 
Carrying Value
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant Other Observable Inputs
(Level 2)
   
Significant Unobservable Inputs
(Level 3)
 
Cash
 
$
981,992
   
$
981,992
   
$
-
   
$
-
 
Equity securities:
                               
  U.S. companies
   
27,169,984
     
27,169,984
     
-
     
-
 
  International companies`
   
-
     
-
     
-
     
-
 
                                 
Mutual Funds
   
7,288,242
     
7,288,242
     
-
     
-
 
                                 
Debt securities:
                               
  U.S. Treasuries/Government bonds
   
3,308,718
     
3,308,718
     
-
     
-
 
  U.S. Corporate bonds
   
2,770,935
     
-
     
2,770,935
     
-
 
  Foreign bonds, notes & debentures
   
262,133
     
-
     
262,133
     
-
 
Total plan assets
 
$
41,782,004
   
$
38,748,936
   
$
3,033,068
   
$
-
 

     
Fair Value Measurement at December 31, 2012 Using
 
Plan Assets:
 
Carrying Value
   
Quoted Prices in Active Markets for Identical Assets
(Level 1)
   
Significant Other Observable Inputs
(Level 2)
   
Significant Unobservable Inputs
(Level 3)
 
Cash
 
$
703,229
   
$
703,229
   
$
-
   
$
-
 
Equity securities:
                               
  U.S. companies
   
21,579,185
     
21,579,185
     
-
     
-
 
  International companies
   
629,883
     
629,883
     
-
     
-
 
                                 
Mutual Funds
   
7,217,760
     
7,217,760
     
-
     
-
 
                                 
Debt securities:
                               
  U.S. Treasuries/Government bonds
   
3,468,448
     
3,468,448
     
-
     
-
 
  U.S. Corporate bonds
   
3,371,255
     
-
     
3,371,255
     
-
 
  Foreign bonds, notes & debentures
   
268,890
     
-
     
268,890
     
-
 
Total plan assets
 
$
37,238,650
   
$
33,598,505
   
$
3,640,145
   
$
-
 

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan:

Calendar Year
 
Future Expected Benefit Payments
 
2014
 
$
1,699,649
 
2015
 
$
1,751,122
 
2016
 
$
1,838,606
 
2017
 
$
1,946,144
 
2018
 
$
2,036,469
 
2019-2023
 
$
11,305,023
 

The Corporation does not expect to contribute to the plan during 2014.  Funding requirements for subsequent years are uncertain and will significantly depend on changes in assumptions used to calculate plan funding levels, the actual return on plan assets, changes in the employee groups covered by the plan, and any legislative or regulatory changes affecting plan funding requirements.
 
For tax planning, financial planning, cash flow management or cost reduction purposes the Corporation may increase, accelerate, decrease or delay contributions to the plan to the extent permitted by law.

Defined Contribution Profit Sharing, Savings and Investment Plan

The Corporation also sponsors a defined contribution profit sharing, savings and investment plan which covers all eligible employees with a minimum of 1,000 hours of annual service.  The Corporation makes discretionary matching and profit sharing contributions to the plan based on the financial results of the Corporation.  Expense under the plan totaled $327,584, $322,090, and $331,689 for the years ended December 31, 2013, 2012 and 2011, respectively.  The plan's assets at December 31, 2013 and 2012 include 178,113 and 189,337 shares, respectively, of Chemung Financial Corporation common stock, as well as other common and preferred stocks, U.S. Government securities, corporate bonds and notes, and mutual funds.

The Corporation also contributed $193,192 and $70,995 at December 31, 2013 and December 31, 2012, respectively, to a non-discretionary 401K plan which covers all eligible employees hired after July 1, 2010.

Defined Benefit Health Care Plan

The Corporation uses a December 31 measurement date for its postretirement medical benefits plan.

The following table presents (1) changes in the plan's accumulated postretirement benefit obligation and (2) the plan's funded status at December 31, 2013 and 2012:

Changes in accumulated postretirement benefit obligation:
 
2013
   
2012
 
Accumulated postretirement benefit obligation at beginning of year
 
$
1,534,161
   
$
1,391,822
 
Service cost
   
44,000
     
39,000
 
Interest cost
   
66,000
     
71,000
 
Participant contributions
   
73,980
     
65,161
 
Actuarial (gain) loss
   
(60,855
)
   
177,966
 
Benefits paid
   
(167,172
)
   
(210,788
)
  Accumulated postretirement benefit obligation at end of year
 
$
1,490,114
   
$
1,534,161
 

Change in plan assets:
 
2013
   
2012
 
Fair value of plan assets at beginning of year
 
$
-
   
$
-
 
Employer contribution
   
93,192
     
145,627
 
Plan participants’ contributions
   
73,980
     
65,161
 
Benefits paid
   
(167,172
)
   
(210,788
)
  Fair value of plan assets at end of year
 
$
-
   
$
-
 
                 
Funded status
 
$
(1,490,114
)
 
$
(1,534,161
)


Amount recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

 
 
2013
   
2012
 
Net actuarial loss
 
$
148,081
   
$
218,936
 
Prior service benefit
   
(628,000
)
   
(725,000
)
  Total before tax effects
 
$
(479,919
)
 
$
(506,064
)


Weighted-average assumption for disclosure as of December 31,:
 
2013
   
2012
   
2011
 
Discount rate
   
4.92
%
   
4.26
%
   
4.95
%
Health care cost trend: Initial
   
8.00
%
   
9.00
%
   
10.00
%
Health care cost trend: Ultimate
   
5.00
%
   
5.00
%
   
5.00
%
Year ultimate cost trend reached
   
2018
     
2018
     
2018
 
 
The components of net periodic postretirement benefit cost for the years ended December 31, 2013, 2012 and 2011 are as follows:

Net periodic benefit cost
 
2013
   
2012
   
2011
 
Service cost
 
$
44,000
   
$
39,000
   
$
35,000
 
Interest cost
   
66,000
     
71,000
     
72,000
 
Amortization of  prior service benefit
   
(97,000
)
   
(97,000
)
   
(97,000
)
Recognized actuarial loss
   
10,000
     
1,000
     
-
 
  Net periodic postretirement cost
 
$
23,000
   
$
14,000
   
$
10,000
 


Other changes in plan assets and benefit obligations recognized
  in other comprehensive income:
 
2013
   
2012
   
2011
 
Net actuarial (gain) loss
 
$
(60,855
)
 
$
177,966
   
$
19,705
 
Recognized actuarial loss
   
(10,000
)
   
(1,000
)
   
-
 
Amortization of  prior service benefit
   
97,000
     
97,000
     
97,000
 
  Total recognized in other comprehensive income (before tax effect)
 
$
26,145
   
$
273,966
   
$
116,705
 
  Total recognized in net benefit cost and other comprehensive income
     (before tax effect)
 
$
49,145
   
$
287,966
   
$
126,705
 

Because the total unrecognized net loss in the plan is less than 10% of the accumulated postretirement benefit obligation, there will be no amortization over the average future working lifetime of active plan participants.  As of January 1, 2013 the average future working lifetime of active participants was 14.35 years.  Actual results for 2014 will depend on the 2014 actuarial valuation of the plan.

Amounts expected to be recognized in net periodic cost during 2014:
     
Loss recognition
 
$
-
 
Prior service cost recognition
 
$
(97,000
)

Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan.  A one-percentage point change in assumed health care cost trend rates would have the following effects:

Effect of a 1% increase in health care trend rate on:
 
2013
   
2012
   
2011
 
Benefit obligation
 
$
15,000
   
$
4,000
   
$
10,000
 
Total service and interest cost
 
$
300
   
$
(100
)
 
$
700
 

Effect of a 1% decrease in health care trend rate on:
 
2013
   
2012
   
2011
   
Benefit obligation
 
$
(23,000
)
 
$
(5,000
)
 
$
(11,000
)
 
Total service and interest cost
 
$
(1,500
)
 
$
(500
)
 
$
(500
)
 
 
 
Weighted-average assumptions for net periodic cost as of
December 31,:
 
2013
   
2012
   
2011
 
Discount rate
   
4.26
%
   
4.95
%
   
5.65
%
Health care cost trend: Initial
   
9.00
%
   
10.00
%
   
14.00
%
Health care cost tread: Ultimate
   
5.00
%
   
5.00
%
   
5.00
%
Year ultimate reached
   
2018
     
2018
     
2020
 

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten:

Calendar Year
     
2014
 
$
144,000
 
2015
 
$
154,000
 
2016
 
$
143,000
 
2017
 
$
132,000
 
2018
 
$
150,000
 
2019-2023
 
$
680,000
 

The Corporation’s policy is to contribute the amount required to fund postretirement benefits as they become due to retirees.  The amount expected to be required in contributions to the plan during 2014 is $144,000.

Executive Supplemental Pension Plan

The Corporation also sponsors an Executive Supplemental Pension Plan for certain current and former executive officers to restore certain pension benefits that may be reduced due to limitations under the Internal Revenue Code.  The benefits under this plan are unfunded as of December 31, 2013 and 2012.

The Corporation uses a December 31 measurement date for its Executive Supplemental Pension Plan.

The following table presents Executive Supplemental Pension plan status at December 31, 2013 and 2012:

Change in benefit obligation:
 
2013
   
2012
 
Benefit obligation at beginning of year
 
$
1,161,749
   
$
1,069,490
 
Service cost
   
40,015
     
34,770
 
Interest cost
   
47,899
     
51,091
 
Actuarial (gain) loss
   
(59,197
)
   
81,128
 
Benefits paid
   
(74,730
)
   
(74,730
)
  Projected benefit obligation at end of year
 
$
1,115,736
   
$
1,161,749
 

Changes in plan assets:
 
2013
   
2012
 
Fair value of plan assets at beginning of year
 
$
-
   
$
-
 
Employer contributions
   
74,730
     
74,730
 
Benefits paid
   
(74,730
)
   
(74,730
)
  Fair value of plan assets at end of year
 
$
-
   
$
-
 
Unfunded status
 
$
(1,115,736
)
 
$
(1,161,479
)


Amounts recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

   
2013
   
2012
 
Net actuarial loss
 
$
194,181
   
$
287,679
 
Prior service cost
   
-
     
-
 
  Total before tax effects
 
$
194,181
   
$
287,679
 

Accumulated benefit obligation at December 31, 2013 and 2012 was $1,042,253 and $1,092,439, respectively.

Weighted-average assumption for disclosure as of December 31,:
 
2013
   
2012
   
2011
 
Discount rate
   
4.92
%
   
4.26
%
   
4.95
%
Assumed rate of future compensation increase
   
5.00
%
   
5.00
%
   
5.00
%

The components of net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 are as follows:

Net periodic benefit cost
 
2013
   
2012
   
2011
 
Service cost
 
$
40,015
   
$
34,770
   
$
30,625
 
Interest cost
   
47,899
     
51,091
     
53,771
 
Recognized actuarial loss
   
34,301
     
19,920
     
9,466
 
  Net periodic postretirement benefit cost
 
$
122,215
   
$
105,781
   
$
93,862
 

Other changes in plan assets and benefit obligation recognized in other
  comprehensive income:
 
2013
   
2012
   
2011
 
Net actuarial (gain) loss
 
$
(59,197
)
 
$
81,128
   
$
70,771
 
Recognized actuarial loss
   
(34,301
)
   
(19,920
)
   
(9,466
)
  Total recognized in other comprehensive income (before tax effect)
 
$
(93,498
)
 
$
61,208
   
$
61,305
 
                         
  Total recognized in net benefit cost and other comprehensive income
      (before tax effect)
 
$
28,717
   
$
166,989
   
$
155,167
 
 
Amounts expected to be recognized in net periodic cost during 2014:
 
Loss recognition
 
$
20,652
 
Prior service cost recognition
 
$
-
 

Weighted-average assumptions for net periodic cost as of December 31,:
 
2013
   
2012
   
2011
 
Discount rate
   
4.26
%
   
4.95
%
   
5.65
%
Salary scale
   
5.00
%
   
5.00
%
   
5.00
%

The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the Supplemental Pension Plan:

Calendar Year
 
Future Estimated Benefit Payments
 
2014
 
$
75,000
 
2015
 
$
75,000
 
2016
 
$
75,000
 
2017
 
$
75,000
 
2018
 
$
116,000
 
2019-2023
 
$
580,000
 

The Corporation expects to contribute $75,000 to the plan during 2014. Corporation contributions are equal to the benefit payments to plan participants.

Defined Contribution Supplemental Executive Retirement Plan

The Corporation also sponsors a Defined Contribution Supplemental Executive Retirement Plan for certain current executive officers.  The plan is unfunded as of December 31, 2013 and is intended to provide nonqualified deferred compensation benefits payable at retirement, disability, death or certain other events.  The plan was initiated in 2012.  The balance in the plan as of December 31, 2013 and December 31, 2012 was $336,656 and $181,701, respectively.  A total of $154,955 and $181,701 was expensed during the years ended December 31, 2013 and 2012, respectively  In addition to each participants account being credited with the annual company contribution, each account will receive a quarterly interest credit that will equal the average yield on five year U.S. Treasury Notes.
XML 73 R15.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS
 12 Months Ended
Dec. 31, 2013
DEPOSITS [Abstract]  
DEPOSITS
(7)            DEPOSITS

A summary of deposits at December 31, 2013 and 2012 is as follows:

 
 
2013
  
2012
 
Non-interest-bearing demand deposits
 
$
351,222,057
  
$
300,610,463
 
Interest-bearing demand deposits
  
114,679,334
   
90,729,870
 
Insured money market accounts
  
361,094,929
   
243,114,771
 
Savings deposits
  
191,881,855
   
173,588,856
 
Time deposits
  
244,491,486
   
236,690,054
 
 
 
$
1,263,369,661
  
$
1,044,734,014
 

Scheduled maturities of time deposits at December 31, 2013, are summarized as follows:

Year
 
 
2014
 
$
178,903,280
 
2015
  
45,616,228
 
2016
  
7,498,340
 
2017
  
6,494,486
 
2018
  
4,245,277
 
2019 and thereafter
  
1,733,875
 
 
 
$
244,491,486
 

Time deposits include certificates of deposit in denominations of $100,000 or more aggregating $88,812,131 and $87,705,511 at December 31, 2013 and 2012, respectively. Interest expense on such certificates was $777,614, $1,202,345 and $1,799,472 for 2013, 2012 and 2011, respectively.

Maturities of time deposits in denominations of $100,000 or more outstanding at December 31, 2013 are summarized as follows:

3 months or less
 
$
24,370,627
 
Over 3 through 6 months
  
17,683,778
 
Over 6 through 12 months
  
24,521,432
 
Over 12 months
  
22,236,294
 
 
 
$
88,812,131
 
XML 74 R60.htm IDEA: XBRL DOCUMENT v2.4.0.8
GOODWILL AND INTANGIBLE ASSETS (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Goodwill [Roll Forward]      
Beginning of year $ 21,824,443 $ 21,983,617  
Acquired goodwill 0 0  
Adjustment of Acquired goodwill 0 [1] (159,174) [1]  
Ending of year 21,824,443 21,824,443 21,983,617
Finite-lived intangible assets, net [Abstract]      
Balance Acquired 12,037,891 9,883,221  
Accumulated Amortization 5,660,814 4,739,401  
Aggregate amortization expense 921,413 1,046,720 1,041,193
Finite-lived intangible assets, future amortization expense [Abstract]      
2014 1,310,056    
2015 1,136,478    
2016 986,063    
2017 859,290    
2018 734,237    
2019 and thereafter 1,350,953    
Total 6,377,077    
Core deposit intangibles [Member]
      
Finite-lived intangible assets, net [Abstract]      
Balance Acquired 5,974,468 3,819,798  
Accumulated Amortization 2,337,959 1,796,853  
Other customer relationship intangibles [Member]
      
Finite-lived intangible assets, net [Abstract]      
Balance Acquired 6,063,423 6,063,423  
Accumulated Amortization $ 3,322,855 $ 2,942,548  
[1] Adjustments related to Fort Orange Financial Corp. acquisition
XML 75 R13.htm IDEA: XBRL DOCUMENT v2.4.0.8
PREMISES AND EQUIPMENT
 12 Months Ended
Dec. 31, 2013
PREMISES AND EQUIPMENT [Abstract]  
PREMISES AND EQUIPMENT
(5)  
PREMISES AND EQUIPMENT

Premises and equipment at December 31, 2013 and 2012 are as follows:

   
2013
   
2012
 
Land
 
$
4,803,406
   
$
3,553,406
 
Buildings
   
34,378,600
     
32,017,120
 
Projects in Progress
   
-
     
678,415
 
Equipment and furniture
   
34,919,986
     
31,428,650
 
Leasehold improvements
   
6,041,402
     
4,674,980
 
     
80,143,394
     
72,352,571
 
Less accumulated depreciation and amortization
   
50,104,220
     
46,868,186
 
   
$
30,039,174
   
$
25,484,385
 

Depreciation expense was $3,236,034, $2,946,499 and $2,861,644 for 2013, 2012 and 2011, respectively.

Operating Leases: The Corporation leases certain branch properties under operating leases.  Rent Expense was $1,306,948, $1,118,348, and $1,048,920 for 2013, 2012, and 2011, respectively.  Rent commitments, before considering renewal options that generally are present, were as follows:

Year
 
Estimated Expense
 
2014
 
$
1,664,865
 
2015
   
1,607,143
 
2016
   
1,358,618
 
2017
   
1,198,021
 
2018
   
1,156,562
 
2019 and thereafter
   
4,983,358
 
Total
 
$
11,968,567
 
 
XML 76 R14.htm IDEA: XBRL DOCUMENT v2.4.0.8
GOODWILL AND INTANGIBLE ASSETS
 12 Months Ended
Dec. 31, 2013
GOODWILL AND INTANGIBLE ASSETS [Abstract]  
GOODWILL AND INTANGIBLE ASSETS
(6)            GOODWILL AND INTANGIBLE ASSETS

The changes in goodwill included in the core banking segment during the years ending December 31, 2013 and 2012 were as follows:

 
 
2013
  
2012
 
Beginning of year
 
$
21,824,443
  
$
21,983,617
 
Acquired goodwill
  
-
   
-
 
Adjustment of Acquired goodwill (1)
  
-
   
(159,174
)
End of year
 
$
21,824,443
  
$
21,824,443
 

(1) Adjustments related to Fort Orange Financial Corp. acquisition

Acquired intangible assets were as follows at December 31, 2013 and 2012:

  
At December 31, 2013
  
At December 31, 2012
 
  
Balance
Acquired
  
Accumulated
Amortization
  
Balance
Acquired
  
Accumulated
Amortization
 
Core deposit intangibles
 
$
5,974,468
  
$
2,337,959
  
$
3,819,798
  
$
1,796,853
 
Other customer relationship intangibles
  
6,063,423
   
3,322,855
   
6,063,423
   
2,942,548
 
Total
 
$
12,037,891
  
$
5,660,814
  
$
9,883,221
  
$
4,739,401
 

Aggregate amortization expense was $921,413, $1,046,720 and $1,041,193 for 2013, 2012 and 2011, respectively.

The remaining estimated aggregate amortization expense at December 31, 2013 is listed below:

Year
 
Estimated Expense
 
2014
 
$
1,310,056
 
2015
  
1,136,478
 
2016
  
986,063
 
2017
  
859,290
 
2018
  
734,237
 
2019 and thereafter
  
1,350,953
 
Total
 
$
6,377,077
 
XML 77 R16.htm IDEA: XBRL DOCUMENT v2.4.0.8
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
 12 Months Ended
Dec. 31, 2013
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE [Abstract]  
SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
(8)            SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE

A summary of securities sold under agreements to repurchase as of and for the years ended December 31, 2013, 2012 and 2011 is as follows:

 
 
2013
  
2012
  
2011
 
Securities sold under agreements to repurchase:
 
  
  
 
Balance at December 31
 
$
32,701,223
  
$
32,710,650
  
$
37,106,842
 
Maximum month-end balance
 
$
32,701,223
  
$
38,283,747
  
$
51,183,631
 
Average balance during year
 
$
31,101,784
  
$
34,534,496
  
$
43,731,872
 
Weighted-average interest rate at December 31
  
2.93
%
  
3.02
%
  
3.20
%
Average interest rate paid during year
  
2.76
%
  
2.88
%
  
3.14
%


Information concerning outstanding securities repurchase agreements as of December 31, 2013 is summarized as follows:

Remaining Term to Final Maturity (1)
 
Repurchase
Liability
  
Accrued
 Interest
Payable
  
Weighted
Average Rate
  
Estimated Fair
Value of
Collateral
Securities (2)
 
Within 90 days
 
$
12,701,223
  
$
-
   
0.10
%
 
$
16,529,108
 
After 90 days but within one year
  
-
   
-
   
-
%
  
-
 
After one year but within five years
  
20,000,000
   
65,766
   
4.13
%
  
24,492,110
 
After five years but within ten years
  
-
   
-
   
-
%
  
-
 
Total
 
$
32,701,223
  
$
65,766
   
2.93
%
 
$
41,021,218
 
(1)
 At December 31, 2013, the securities repurchase agreements were non-callable with a weighted-average rate of 1.85%, and a weighted-average term to maturity of approximately 2.3 years.
(2)
Represents the estimated fair value of the securities subject to the repurchase agreements, including accrued interest receivable, of approximately $328 thousand at December 31, 2013
XML 78 R64.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 Income Tax Expense (Benefit), Continuing Operations [Abstract]      
State $ 394,645 $ 529,603 $ 24,739
Federal 3,548,242 4,207,980 1,592,276
Current Income Tax Expense (Benefit), Total 3,942,887 4,737,583 1,617,015
Deferred expense/(benefit) (120,590) 646,899 3,416,135
Income tax expense 3,822,297 5,384,482 5,033,150
Income Tax Expense (Benefit), Continuing Operations, Income Tax Reconciliation [Abstract]      
Tax computed at statutory rate 4,268,140 5,578,285 5,294,107
Tax-exempt interest (483,029) (506,280) (543,638)
Dividend exclusion (46,330) (39,237) (35,439)
State taxes, net of Federal impact 188,182 438,582 386,214
Nondeductible interest expense 10,860 16,119 23,242
Other items, net (115,526) (102,987) (91,336)
Income tax expense 3,822,297 5,384,482 5,033,150
Deferred tax assets:      
Allowance for loan losses 4,889,110 3,989,953  
Accrual for employee benefit plans 753,917 780,282  
Depreciation 431,029 698,373  
Deferred compensation and directors' fees 947,406 924,582  
Purchase accounting adjustment - deposits 136,975 141,784  
Purchase accounting adjustment - loans 339,440 612,696  
Purchase accounting adjustment - fixed assets 223,744 223,602  
Accounting for defined benefit pension and other benefit plans 3,690,995 6,776,728  
Trust preferred impairment write-down 741,926 1,340,893  
Other 510,429 723,419  
Total gross deferred tax assets 12,664,971 16,212,312  
Deferred tax liabilities:      
Deferred loan fees and costs 929,357 908,343  
Prepaid pension 5,435,293 6,102,441  
Net unrealized gains on securities available for sale 3,929,141 5,165,238  
Other 1,288,557 1,100,783  
Total gross deferred tax liabilities 11,582,348 13,276,805  
Net deferred tax asset 1,082,623 2,935,507  
Reconciliation of Unrecognized Tax Benefits, Excluding Amounts Pertaining to Examined Tax Returns [Roll Forward]      
Unrecognized Tax Benefits, Beginning Balance   0 123,530
Additions for tax positions of current year     0
Reductions related to settlement with taxing authorities     (123,530)
Unrecognized Tax Benefits, Ending Balance     0
Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued [Abstract]      
Accrued interest or penalties related to uncertain tax position $ 0 $ 0  
XML 79 R66.htm IDEA: XBRL DOCUMENT v2.4.0.8
PENSION PLAN AND OTHER BENEFIT PLANS, Part 2 (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Defined Benefit Plan Disclosure [Line Items]      
Basis average final years of employment, for benefit formula The plan's defined benefit formula generally bases payments to retired employees upon their length of service multiplied by a percentage of the average monthly pay over the last five years of employment.    
Other changes in plan assets and benefit obligations recognized in other comprehensive income [Abstract]      
Net actuarial loss(gain) $ 6,486,975 $ (3,624,214) $ (6,908,392)
Recognized actuarial loss 1,623,567 1,431,064 715,885
Amortization of prior service cost (83,144) (83,144) (67,127)
Defined contribution plan [Abstract]      
Number of employee annual hours for eligibility (in hours) 1000 hours    
Defined contribution plan expense 327,584 322,090 331,689
Chemung common stock included in defined contribution plan assets (in shares) 178,133 189,337  
Non-discretionary 401K contribution 193,192 70,995  
Minimum [Member]
      
Estimated Future Employer Contributions [Abstract]      
Unrecognized net loss increase threshold percentage for amortization of obligation (in hundredths) 10.00%    
Pension Plan [Member]
      
Accumulated Other Comprehensive Income (Loss) [Abstract]      
Net actuarial loss 9,842,829 17,789,018  
Prior service cost 21,958 35,814  
Total before tax effects 9,864,787 17,824,832  
Accumulated benefit obligation 31,182,957 32,247,008  
Assumptions Used in Determining Benefit Obligation [Abstract]      
Discount Rate (in hundredths) 4.92% 4.26% 4.95%
Assumed rate of future compensation increase (in hundredths) 5.00% 5.00% 5.00%
Net periodic benefit cost [Abstract]      
Service cost, benefits earned during the year 1,194,869 1,073,938 993,364
Interest cost on projected benefit obligation 1,587,037 1,605,912 1,569,151
Expected return on plan assets (2,824,014) (2,742,609) (2,340,373)
Amortization of net loss 1,579,266 1,410,144 706,419
Amortization of prior service cost 13,856 13,856 29,873
Net periodic cost, Total 1,551,014 1,361,241 958,434
Expected long-term return on plan assets evaluation frequency, description three to five years    
Other changes in plan assets and benefit obligations recognized in other comprehensive income [Abstract]      
Net actuarial loss(gain) (6,366,923) 3,365,120 6,815,617
Recognized actuarial loss (1,579,266) (1,410,144) (706,419)
Amortization of prior service cost (13,856) (13,856) (29,873)
Total recognized in other comprehensive income (loss) (before tax effect) (7,960,045) 1,941,120 6,079,325
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) (6,409,031) 3,302,361 7,037,759
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]      
Loss recognition 639,349    
Prior service cost recognition 7,320    
Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]      
Discount Rate (in hundredths) 4.26% 4.95% 5.65%
Expected long-term rate of return on assets (in hundredths) 7.75% 8.00% 8.00%
Assumed rate of future compensation increase (in hundredths) 5.00% 5.00% 5.00%
Plan Assets - Target Allocations [Abstract]      
Percentage of Plan Assets (in hundredths) 100.00% 100.00%  
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 41,782,004 37,238,650 35,015,567
Future Expected Benefit Payments [Abstract]      
2014 1,699,649    
2015 1,751,122    
2016 1,838,606    
2017 1,946,144    
2018 2,036,469    
2019-2023 11,305,023    
Pension Plan [Member] | Carrying Value [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 41,782,004 37,238,650  
Pension Plan [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 38,748,936 33,598,505  
Pension Plan [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 3,033,068 3,640,145  
Pension Plan [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Cash [Member]
      
Plan Assets - Target Allocations [Abstract]      
Target Allocations - Minimum (in hundredths) 0.00%    
Target Allocations - Maximum (in hundredths) 20.00%    
Percentage of Plan Assets (in hundredths) 2.00% 2.00%  
Expected Long-Term Rate of Return (in hundredths) 2.50%    
Pension Plan [Member] | Cash [Member] | Carrying Value [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 981,992 703,229  
Pension Plan [Member] | Cash [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 981,992 703,229  
Pension Plan [Member] | Cash [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Cash [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Alternative Assets [Member]
      
Plan Assets - Target Allocations [Abstract]      
Target Allocations - Minimum (in hundredths) 0.00%    
Target Allocations - Maximum (in hundredths) 10.00%    
Percentage of Plan Assets (in hundredths) 3.00% 3.00%  
Expected Long-Term Rate of Return (in hundredths) 7.50%    
Pension Plan [Member] | Equity Securities - U.S. companies [Member] | Carrying Value [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 27,169,984 21,579,185  
Pension Plan [Member] | Equity Securities - U.S. companies [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 27,169,984 21,579,185  
Pension Plan [Member] | Equity Securities - U.S. companies [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Equity Securities - U.S. companies [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Equity Securities - International companies [Member] | Carrying Value [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 629,883  
Pension Plan [Member] | Equity Securities - International companies [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 629,883  
Pension Plan [Member] | Equity Securities - International companies [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Equity Securities - International companies [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | US Treasury and Government [Member] | Carrying Value [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 3,308,718 3,468,448  
Pension Plan [Member] | US Treasury and Government [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 3,308,718 3,468,448  
Pension Plan [Member] | US Treasury and Government [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | US Treasury and Government [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Corporate bonds [Member] | Carrying Value [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 2,770,935 3,371,255  
Pension Plan [Member] | Corporate bonds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Corporate bonds [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 2,770,935 3,371,255  
Pension Plan [Member] | Corporate bonds [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Foreign bonds, notes & debentures [Member] | Carrying Value [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 262,133 268,890  
Pension Plan [Member] | Foreign bonds, notes & debentures [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Foreign bonds, notes & debentures [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 262,133 268,890  
Pension Plan [Member] | Foreign bonds, notes & debentures [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Mutual Funds [Member] | Carrying Value [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 7,288,242 7,217,760  
Pension Plan [Member] | Mutual Funds [Member] | Quoted Prices in Active Markets for Identical Assets (Level 1) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 7,288,242 7,217,760  
Pension Plan [Member] | Mutual Funds [Member] | Significant Other Observable Inputs (Level 2) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Mutual Funds [Member] | Significant Unobservable Inputs (Level 3) [Member]
      
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0  
Pension Plan [Member] | Large-Cap Domestic Equities [Member]
      
Plan Assets - Target Allocations [Abstract]      
Target Allocations - Minimum (in hundredths) 30.00%    
Target Allocations - Maximum (in hundredths) 60.00%    
Percentage of Plan Assets (in hundredths) 54.00% 51.00%  
Expected Long-Term Rate of Return (in hundredths) 10.30%    
Pension Plan [Member] | Mid-Cap Domestic Equities [Member]
      
Plan Assets - Target Allocations [Abstract]      
Target Allocations - Minimum (in hundredths) 0.00%    
Target Allocations - Maximum (in hundredths) 20.00%    
Percentage of Plan Assets (in hundredths) 8.00% 7.00%  
Expected Long-Term Rate of Return (in hundredths) 10.60%    
Pension Plan [Member] | Small-Cap Domestic Equities [Member]
      
Plan Assets - Target Allocations [Abstract]      
Target Allocations - Minimum (in hundredths) 0.00%    
Target Allocations - Maximum (in hundredths) 15.00%    
Percentage of Plan Assets (in hundredths) 3.00% 2.00%  
Expected Long-Term Rate of Return (in hundredths) 10.80%    
Pension Plan [Member] | International Equities [Member]
      
Plan Assets - Target Allocations [Abstract]      
Target Allocations - Minimum (in hundredths) 0.00%    
Target Allocations - Maximum (in hundredths) 25.00%    
Percentage of Plan Assets (in hundredths) 4.00% 4.00%  
Expected Long-Term Rate of Return (in hundredths) 10.30%    
Pension Plan [Member] | Intermediate Fixed Income [Member]
      
Plan Assets - Target Allocations [Abstract]      
Target Allocations - Minimum (in hundredths) 20.00%    
Target Allocations - Maximum (in hundredths) 50.00%    
Percentage of Plan Assets (in hundredths) 26.00% 31.00%  
Expected Long-Term Rate of Return (in hundredths) 4.70%    
Defined Benefit Health Care Plan [Member]
      
Accumulated Other Comprehensive Income (Loss) [Abstract]      
Net actuarial loss 148,081 218,936  
Prior service cost (628,000) (725,000)  
Total before tax effects (479,919) (506,064)  
Assumptions Used in Determining Benefit Obligation [Abstract]      
Discount Rate (in hundredths) 4.92% 4.26% 4.95%
Health care cost trend: Initial (in hundredths) 8.00% 9.00% 10.00%
Health care cost trend: Ultimate (in hundredths) 5.00% 5.00% 5.00%
Year ultimate cost trend reached 2018 2018 2018
Net periodic benefit cost [Abstract]      
Service cost, benefits earned during the year 44,000 39,000 35,000
Interest cost on projected benefit obligation 66,000 71,000 72,000
Amortization of prior service cost (97,000) (97,000) (97,000)
Recognized actuarial loss 10,000 1,000 0
Net periodic cost, Total 23,000 14,000 10,000
Other changes in plan assets and benefit obligations recognized in other comprehensive income [Abstract]      
Net actuarial loss(gain) (60,855) 177,966 19,705
Recognized actuarial loss (10,000) (1,000) 0
Amortization of prior service cost 97,000 97,000 97,000
Total recognized in other comprehensive income (loss) (before tax effect) 26,145 273,966 116,705
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) 49,145 287,966 126,705
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]      
Loss recognition 0    
Prior service cost recognition (97,000)    
Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]      
Discount Rate (in hundredths) 4.26% 4.95% 5.65%
Health care cost trend: Initial (in hundredths) 9.00% 10.00% 14.00%
Health care cost trend: Ultimate (in hundredths) 5.00% 5.00% 5.00%
Year ultimate cost trend reached 2018 2018 2020
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0 0
Future Expected Benefit Payments [Abstract]      
2014 144,000    
2015 154,000    
2016 143,000    
2017 132,000    
2018 150,000    
2019-2023 680,000    
Defined Benefit Plan, Description [Abstract]      
Retiree age eligibility, prior to amendment 55 years    
Self insured health care plan employee contribution prior to plan amendment (in hundredths) 40.00%    
Required premium in New York area under Medicare Blue PPO (in hundredths) 100.00%    
Self insured health care plan employee contribution (in hundredths) 50.00%    
Self insured health care plan Medicare Supplement Plan C contribution (in hundredths) 50.00%    
Effect of 1% Change in health care trend rate [Abstract]      
Benefit Obligation 15,000 4,000 10,000
Total service and interest cost 300 (100) 700
Benefit Obligation (23,000) (5,000) (11,000)
Total service and interest cost (1,500) (500) (500)
Estimated Future Employer Contributions [Abstract]      
Estimated Future Employer Contributions in Next Fiscal Year 144,000    
Average future working lifetime of active participants   14 years 4 months 6 days  
Defined Benefit Health Care Plan [Member] | Minimum [Member]
      
Defined Benefit Plan, Description [Abstract]      
Defined Benefit Plan Retiree Age Eligibility 55 years    
Defined Benefit Health Care Plan [Member] | Maximum [Member]
      
Defined Benefit Plan, Description [Abstract]      
Defined Benefit Plan Retiree Age Eligibility 65 years    
Executive Supplemental Pension Plan [Member]
      
Accumulated Other Comprehensive Income (Loss) [Abstract]      
Net actuarial loss 194,181 287,679  
Prior service cost 0 0  
Total before tax effects 194,181 287,679  
Accumulated benefit obligation 1,042,253 1,092,439  
Assumptions Used in Determining Benefit Obligation [Abstract]      
Discount Rate (in hundredths) 4.92% 4.26% 4.95%
Assumed rate of future compensation increase (in hundredths) 5.00% 5.00% 5.00%
Net periodic benefit cost [Abstract]      
Service cost, benefits earned during the year 40,015 34,770 30,625
Interest cost on projected benefit obligation 47,899 51,091 53,771
Recognized actuarial loss 34,301 19,920 9,466
Net periodic cost, Total 122,215 105,781 93,862
Other changes in plan assets and benefit obligations recognized in other comprehensive income [Abstract]      
Net actuarial loss(gain) (59,197) 81,128 70,771
Recognized actuarial loss (34,301) (19,920) (9,466)
Total recognized in other comprehensive income (loss) (before tax effect) (93,498) 61,208 61,305
Total recognized in net benefit cost and other comprehensive income (loss) (before tax effect) 28,717 166,989 155,167
Amounts expected to be recognized in net periodic cost during next fiscal year [Abstract]      
Loss recognition 20,652    
Prior service cost recognition 0    
Assumptions Used in Calculating Net Periodic Benefit Cost [Abstract]      
Discount Rate (in hundredths) 4.26% 4.95% 5.65%
Assumed rate of future compensation increase (in hundredths) 5.00% 5.00% 5.00%
Fair Value Measurement of Plan Assets [Abstract]      
Fair Value of Plan Assets 0 0 0
Future Expected Benefit Payments [Abstract]      
2014 75,000    
2015 75,000    
2016 75,000    
2017 75,000    
2018 116,000    
2019-2023 580,000    
Estimated Future Employer Contributions [Abstract]      
Estimated Future Employer Contributions in Next Fiscal Year 75,000    
Balance in the plan 336,656 181,701  
Total expense $ 154,955 $ 181,701  
XML 80 R63.htm IDEA: XBRL DOCUMENT v2.4.0.8
FEDERAL HOME LOAN BANK TERM ADVANCES AND OVERNIGHT ADVANCES (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances $ 25,242,628 $ 27,225,363
Weighted Average Interest Rate (in hundredths) 3.93% 3.86%
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged 145,107,384 142,278,166
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available 73,083,424  
Federal Home Loan Bank Advances Maturing December 22, 2016 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances 10,000,000 10,000,000
Weighted Average Interest Rate (in hundredths) 4.60% 4.60%
Maturity Date Dec. 22, 2016 Dec. 22, 2016
Federal Home Loan Bank Advances Maturing October 20,2014 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances 4,133,594 4,175,846
Weighted Average Interest Rate (in hundredths) 3.84% 3.84%
Maturity Date Oct. 20, 2014 Oct. 20, 2014
Federal Home Loan Bank Advances Maturing October 19, 2017 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances 4,133,594 4,175,846
Weighted Average Interest Rate (in hundredths) 3.90% 3.90%
Maturity Date Oct. 19, 2017 Oct. 19, 2017
Federal Home Loan Bank Advances Maturing December 4, 2017 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances 3,100,195 3,131,884
Weighted Average Interest Rate (in hundredths) 2.91% 2.91%
Maturity Date Dec. 04, 2017 Dec. 04, 2017
Federal Home Loan Bank Advances Maturing January 2, 2018 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances 2,066,797 2,087,923
Weighted Average Interest Rate (in hundredths) 3.05% 3.05%
Maturity Date Jan. 02, 2018 Jan. 02, 2018
Federal Home Loan Bank Advances Maturing May 20, 2013 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances   1,043,961
Weighted Average Interest Rate (in hundredths)   2.95%
Maturity Date   May 20, 2013
Federal Home Loan Bank Advances Maturing June 18, 2014 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances 1,033,399 1,043,961
Weighted Average Interest Rate (in hundredths) 3.20% 3.20%
Maturity Date Jun. 18, 2014 Jun. 18, 2014
Federal Home Loan Bank Advances Maturing October 2, 2013 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances   782,971
Weighted Average Interest Rate (in hundredths)   2.62%
Maturity Date   Oct. 02, 2013
Federal Home Loan Bank Advances Maturing October 2, 2014 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Federal Home Loan Bank term advances $ 775,049 $ 782,971
Weighted Average Interest Rate (in hundredths) 3.05% 3.05%
Maturity Date Oct. 02, 2014 Oct. 02, 2014
Federal Home Loan Bank Advances Maturing January 22, 2013 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Call Date   Jan. 22, 2013
Federal Home Loan Bank Advances Maturing March 4, 2013 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Call Date   Mar. 04, 2013
Federal Home Loan Bank Advances Maturing January 19, 2014 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Call Date Jan. 19, 2014  
Federal Home Loan Bank Advances Maturing January 20, 2014 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Call Date Jan. 20, 2014  
Federal Home Loan Bank Advances Maturing April 1, 2013 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Call Date   Apr. 01, 2013
Federal Home Loan Bank Advances Maturing March 4, 2014 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Call Date Mar. 04, 2014  
Federal Home Loan Bank Advances Maturing April 1, 2014 [Member]
    
Federal Home Loan Bank, Advances [Line Items]    
Call Date Apr. 01, 2014  
XML 81 R34.htm IDEA: XBRL DOCUMENT v2.4.0.8
DEPOSITS (Tables)
 12 Months Ended
Dec. 31, 2013
DEPOSITS [Abstract]  
Summary of deposits
A summary of deposits at December 31, 2013 and 2012 is as follows:

 
 
2013
  
2012
 
Non-interest-bearing demand deposits
 
$
351,222,057
  
$
300,610,463
 
Interest-bearing demand deposits
  
114,679,334
   
90,729,870
 
Insured money market accounts
  
361,094,929
   
243,114,771
 
Savings deposits
  
191,881,855
   
173,588,856
 
Time deposits
  
244,491,486
   
236,690,054
 
 
 
$
1,263,369,661
  
$
1,044,734,014
 
Scheduled maturities of time deposits
Scheduled maturities of time deposits at December 31, 2013, are summarized as follows:

Year
 
 
2014
 
$
178,903,280
 
2015
  
45,616,228
 
2016
  
7,498,340
 
2017
  
6,494,486
 
2018
  
4,245,277
 
2019 and thereafter
  
1,733,875
 
 
 
$
244,491,486
 
Maturities of time deposits in denominations
Maturities of time deposits in denominations of $100,000 or more outstanding at December 31, 2013 are summarized as follows:

3 months or less
 
$
24,370,627
 
Over 3 through 6 months
  
17,683,778
 
Over 6 through 12 months
  
24,521,432
 
Over 12 months
  
22,236,294
 
 
 
$
88,812,131
 
XML 82 R51.htm IDEA: XBRL DOCUMENT v2.4.0.8
SECURITIES, PART 2 (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
Available-for-sale Securities, Maturities - Cost [Abstract]      
Within One Year $ 23,420,022    
After One, But Within Five Years 188,131,675    
After Five, But Within Ten Years 17,662,699    
After Ten Years 0    
Amortized Cost, Total 335,754,633    
Available-for-sale Securities, Maturities - Fair Value [Abstract]      
Within One Year 23,680,095    
After One, But Within Five Years 190,334,668    
After Five, But Within Ten Years 17,447,068    
After Ten Years 0    
Fair Value, Total 338,320,807    
Held to maturity securities, Amortized Cost [Abstract]      
Within One Year 2,361,713    
After One, But Within Five Years 2,841,351    
After Five, But Within Ten Years 1,291,860    
After Ten Years 0    
Amortized Cost Total 6,494,924    
Held To Maturity, Maturities - Fair Value [Abstract]      
Within One Year 2,394,183    
After One, But Within Five Years 3,052,594    
After Five, But Within Ten Years 1,482,772    
After Ten Years 0    
Fair Value, Total 6,929,549    
Available-for-sale Securities, Gross Realized Gain (Loss) [Abstract]      
Proceeds on sales 2,649,993 26,210,087 35,741,211
Gross gains 16,379 300,516 1,108,091
Tax (benefit) expense (6,296) 115,518 423,191
Continuous unrealized loss securities, 12 months or less [Abstract]      
Less than 12 months - Fair Value 151,781,605 0  
Less than 12 months - Unrealized Losses 1,648,290 0  
Continuous unrealized loss securities, 12 months or more [Abstract]      
12 months or longer - Fair Value 1,979,869 921,678  
12 months or longer - Unrealized Losses 40,931 192,526  
Securities with continuous unrealized losses, Total [Abstract]      
Fair Value 153,761,474 921,678  
Unrealized Losses 1,689,221 192,526  
Information related to the pooled trust preferred security [Abstract]      
Proceeds from sales 2,649,993 26,210,087 35,741,211
Impairment charge on investment securities 29,025 0  
Other than temporary impairment credit losses recognized in earnings [Roll Forward]      
Beginning balance 3,506,073 3,506,073 3,438,673
Amounts related to credit loss for which an other-than-temporary impairment was not previously recognized 0 0 0
Additions/Subtractions [Abstract]      
Amounts related to securities for which the company intends to sell or that it will be more likely than not that the company will be required to sell prior to recovery of amortized cost basis 0 0 0
Reductions for increase in cash flows expected to be collected that are recognized over the remaining life of the security 0 0 0
Reductions for previous credit losses realized on securities sold during the year (1,596,396) 0 0
Increases to the amount related to the credit loss for which other-than-temporary impairment was previously recognized 29,025 0 67,400
Ending balance 1,938,702 3,506,073 3,506,073
TPREF Funding II, Ltd. (Class B) [Member]
      
Available-for-sale Securities, Gross Realized Gain (Loss) [Abstract]      
Proceeds on sales 600,000    
Information related to the pooled trust preferred security [Abstract]      
Book value of Pooled trust preferred security analyzed for currently performing collateral 600,000    
Proceeds from sales 600,000    
Impairment charge on investment securities 29,025    
Mortgage-backed securities, residential [Member]
      
Continuous unrealized loss securities, 12 months or less [Abstract]      
Less than 12 months - Fair Value 63,115,382    
Less than 12 months - Unrealized Losses 749,802    
Continuous unrealized loss securities, 12 months or more [Abstract]      
12 months or longer - Fair Value 0    
12 months or longer - Unrealized Losses 0    
Securities with continuous unrealized losses, Total [Abstract]      
Fair Value 63,115,382    
Unrealized Losses 749,802    
Obligations of states and political subdivisions [Member]
      
Continuous unrealized loss securities, 12 months or less [Abstract]      
Less than 12 months - Fair Value 4,588,521 0  
Less than 12 months - Unrealized Losses 22,315 0  
Continuous unrealized loss securities, 12 months or more [Abstract]      
12 months or longer - Fair Value 0 430,166  
12 months or longer - Unrealized Losses 0 1,383  
Securities with continuous unrealized losses, Total [Abstract]      
Fair Value 4,588,521 430,166  
Unrealized Losses 22,315 1,383  
Corporate stocks [Member]
      
Continuous unrealized loss securities, 12 months or less [Abstract]      
Less than 12 months - Fair Value 0 0  
Less than 12 months - Unrealized Losses 0 0  
Continuous unrealized loss securities, 12 months or more [Abstract]      
12 months or longer - Fair Value 1,669 45,912  
12 months or longer - Unrealized Losses 1,968 7,718  
Securities with continuous unrealized losses, Total [Abstract]      
Fair Value 1,669 45,912  
Unrealized Losses 1,968 7,718  
Corporate Bond [Member]
      
Continuous unrealized loss securities, 12 months or less [Abstract]      
Less than 12 months - Fair Value 237,792    
Less than 12 months - Unrealized Losses 8,678    
Continuous unrealized loss securities, 12 months or more [Abstract]      
12 months or longer - Fair Value 0    
12 months or longer - Unrealized Losses 0    
Securities with continuous unrealized losses, Total [Abstract]      
Fair Value 237,792    
Unrealized Losses 8,678    
Obligations of U.S. Government and U.S. Government sponsored enterprises [Member]
      
Continuous unrealized loss securities, 12 months or less [Abstract]      
Less than 12 months - Fair Value 83,839,910    
Less than 12 months - Unrealized Losses 867,495    
Continuous unrealized loss securities, 12 months or more [Abstract]      
12 months or longer - Fair Value 1,978,200    
12 months or longer - Unrealized Losses 38,963    
Securities with continuous unrealized losses, Total [Abstract]      
Fair Value 85,818,110    
Unrealized Losses 906,458    
Trust Preferred Securities [Member]
      
Continuous unrealized loss securities, 12 months or less [Abstract]      
Less than 12 months - Fair Value   0  
Less than 12 months - Unrealized Losses   0  
Continuous unrealized loss securities, 12 months or more [Abstract]      
12 months or longer - Fair Value   445,600  
12 months or longer - Unrealized Losses   183,425  
Securities with continuous unrealized losses, Total [Abstract]      
Fair Value   445,600  
Unrealized Losses   183,425  
Mortgage-backed securities, residential [Member]
      
Available-for-sale Securities, Maturities - Cost [Abstract]      
Amortized Cost, Total 104,068,981    
Available-for-sale Securities, Maturities - Fair Value [Abstract]      
Fair Value, Total 104,356,521    
Collateralized Mortgage obligations [Member]
      
Available-for-sale Securities, Maturities - Cost [Abstract]      
Amortized Cost, Total 1,000,743    
Available-for-sale Securities, Maturities - Fair Value [Abstract]      
Fair Value, Total 1,014,876    
SBA Loans [Member]
      
Available-for-sale Securities, Maturities - Cost [Abstract]      
Amortized Cost, Total 1,470,513    
Available-for-sale Securities, Maturities - Fair Value [Abstract]      
Fair Value, Total $ 1,487,579    
XML 83 R21.htm IDEA: XBRL DOCUMENT v2.4.0.8
RELATED PARTY TRANSACTIONS
 12 Months Ended
Dec. 31, 2013
RELATED PARTY TRANSACTIONS [Abstract]  
RELATED PARTY TRANSACTIONS
(13)         RELATED PARTY TRANSACTIONS

Members of the Board of Directors, certain Corporation officers, and their immediate families directly, or through entities in which they are principal owners (more than 10% interest), were customers of, and had loans and other transactions with the Corporation.  These loans are summarized as follows for the years ended December 31, 2013 and 2012:

 
 
2013
  
2012
 
Balance at beginning of year
 
$
25,389,555
  
$
20,884,273
 
New loans or additional advances
  
30,055,816
   
37,544,459
 
Repayments
  
(29,037,523
)
  
(33,039,177
)
Balance at end of year
 
$
26,407,848
  
$
25,389,555
 

Deposits from principal officers, directors, and their affiliates at year-end 2013 and 2012 were $9,762,196 and $9,928,331, respectively.
XML 84 R26.htm IDEA: XBRL DOCUMENT v2.4.0.8
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS
 12 Months Ended
Dec. 31, 2013
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS [Abstract]  
ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS
(18)           ACCUMULATED OTHER COMPREHENSIVE INCOME OR LOSS

Accumulated other comprehensive income or loss represents the net unrealized holding gains or losses on securities available for sale and the funded status of the Corporation's defined benefit pension plan and other benefit plans, as of the consolidated balance sheet dates, net of the related tax effect.

The following is a summary of the changes in accumulated other comprehensive income or loss by component, net of tax, for the periods indicated:
   
Unrealized Gains and Losses on Securities Available for Sale
   
Defined Benefit and Other Benefit Plans
   
Total
 
Balance at December 31, 2012
 
$
8,022,790
   
$
(10,829,719
)
 
$
(2,806,929
)
Other comprehensive income before
  reclassification
   
(1,987,340
)
   
3,993,381
     
2,006,041
 
Amounts reclassified from accumulated other
  comprehensive income
   
7,785
 
   
948,284
     
956,069
 
Net current period other comprehensive loss
   
(1,979,555
)
   
4,941,665
     
2,962,110
 
Balance at December 31, 2013
 
$
6,043,235
   
$
(5,888,054
)
 
$
155,181
 


   
Unrealized Gains and Losses on Securities Available for Sale
   
Defined Benefit and Other Benefit Plans
   
Total
 
Balance at December 31, 2011
 
$
7,987,055
   
$
(9,428,433
)
 
$
(1,441,378
)
Other comprehensive income before
  reclassification
   
220,733
     
(2,231,066
)   
(2,010,333
)
Amounts reclassified from accumulated other
  comprehensive income
   
(184,998
)
   
829,780
 
   
644,782
 
Net current period other comprehensive loss
   
35,735
     
(1,401,286
)
   
(1,365,551
)
Balance at December 31, 2012
 
$
8,022,790
   
$
(10,829,719
)
 
$
(2,806,929
)


The following is the reclassification out of accumulated other comprehensive income for the periods indicated:
 
Details about Accumulated Other Comprehensive Income Components
Year Ended December 31,
Affected Line Item
in the Statement Where
Net Income is Presented
2013
2012
Unrealized gains and losses on securities
available for sale:
Reclassification adjustment for other-than-temporary losses realized in net income$(29,025 )$- Total impairment losses
Realized gains on securities available for sale
16,379
300,516
Net losses on securities transactions
Tax effect
4,861
(115,518
)
Income tax benefit (expense)
Net of tax
10,083
184,998
Amortization of defined pension plan
and other benefit plan items:
Prior service costs (a)
83,144
83,144
Pension and other employee benefits
Actuarial losses (a)
(1,623,567
)
(1,431,064
)
Pension and other employee benefits
Tax effect
592,139
518,140
Income tax benefit (expense)
Net of tax
(948,284
)
(829,780
)
Total reclassification for the period, net of tax
$
(956,069
)
$
(644,782
)
 
(a) These accumulated other comprehensive income components are included in the computation of net periodic pension and other benefit plan costs (see Note 11 for additional information).
XML 85 R49.htm IDEA: XBRL DOCUMENT v2.4.0.8
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS (Details) (USD $)
Dec. 31, 2013
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS [Abstract]  
Reserve requirement $ 1,213,000
XML 86 R41.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES (Tables)
 12 Months Ended
Dec. 31, 2013
COMMITMENTS AND CONTINGENCIES [Abstract]  
Contractual amounts of financial instruments with off-balance sheet risk

The contractual amounts of financial instruments with off-balance sheet risk at year-end were as follows:
   
2013
   
2012
 
   
Fixed Rate
   
Variable Rate
   
Fixed Rate
   
Variable Rate
 
Commitments to make loans
 
$
21,049,240
   
$
7,893,481
   
$
28,707,673
   
$
11,588,081
 
Unused lines of credit
 
$
2,190,224
   
$
187,061,408
   
$
1,802,538
   
$
183,750,514
 
Standby letters of credit
 
$
-
   
$
17,290,453
   
$
-
   
$
15,016,673
 
 
XML 87 R5.htm IDEA: XBRL DOCUMENT v2.4.0.8
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Dec. 31, 2011
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME [Abstract]      
Net income $ 8,731,056 $ 11,022,240 $ 10,537,755
Other comprehensive income      
Unrealized holding (losses) gains on securities available for sale (3,228,298) 410,834 4,797,422
Reclassification adjustment for other-than-temporary losses realized in net income 29,025 0 0
Reclassification adjustment gains realized in net income (16,379) (300,516) (1,108,091)
Net unrealized (losses) gains (3,215,652) 110,318 3,689,331
Tax effect 1,236,097 (74,583) (1,363,289)
Net of tax amount (1,979,555) 35,735 2,326,042
Change in funded status of defined benefit pension plan and other benefit plans:      
Net gain (loss) arising during the period 6,486,975 (3,624,214) (6,908,392)
Reclassification adjustment for amortization of prior service costs (83,144) (83,144) (67,127)
Reclassification adjustment for amortization of net actuarial 1,623,567 1,431,064 715,885
Total before tax effect 8,027,398 (2,276,294) (6,259,634)
Tax effect (3,085,733) 875,008 2,389,739
Net of tax amount 4,941,665 (1,401,286) (3,869,895)
Total other comprehensive income (loss) 2,962,110 (1,365,551) (1,543,853)
Comprehensive income $ 11,693,166 $ 9,656,689 $ 8,993,902
XML 88 R10.htm IDEA: XBRL DOCUMENT v2.4.0.8
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS
 12 Months Ended
Dec. 31, 2013
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS [Abstract]  
RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS
(2)            RESTRICTIONS ON CASH AND DUE FROM BANK ACCOUNTS

The Corporation was in compliance with the reserve requirement with the Federal Reserve Bank of New York as of December 31, 2013.

The Corporation also maintains a pre-funded settlement account with a financial institution in the amount of $1,213,000 for electronic funds transaction settlement purposes at December 31, 2013.
XML 89 R58.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOANS AND ALLOWANCE FOR LOAN LOSSES, CREDIT QUALITY INDICATOR (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Dec. 31, 2012
Finance receivable by credit quality indicator [Abstract]    
Loans $ 998,463,065 $ 895,900,939
Deteriorated Loans Transferred in [Abstract]    
Contractually required principal and interest, opening balance 16,896,078  
Contractually required principal and interest, income accretion 0  
Contractually required principal and interest, all other adjustments (5,665,656)  
Contractually required principal and interest, closing balance 11,230,422  
Contractual cash flows not expected to be collected (nonaccretable discount), opening balance (3,655,500)  
Contractual cash flows not expected to be collected (nonaccretable discount), income accretion 0  
Contractual cash flows not expected to be collected (nonaccretable discount), all other adjustments 3,112,751  
Contractual cash flows not expected to be collected (nonaccretable discount), closing balance (542,749)  
Cash flows expected to be collected, opening balance 13,240,578  
Cash flows expected to be collected, income accretion 0  
Cash flows expected to be collected, all other adjustments (2,552,905)  
Cash flows expected to be collected, closing balance 10,687,673  
Interest component of expected cash flows (accretable yield), opening balance (2,529,045)  
Interest component of expected cash flows (accretable yield), income accretion 1,162,653  
Interest component of expected cash flows (accretable yield), all other adjustments 375,215  
Interest component of expected cash flows (accretable yield, closing balance (991,177)  
Fair value of loans acquired with deteriorating credit quality, opening balance 10,711,533  
Fair value of loans acquired with deteriorating credit quality, income accretion 1,162,653  
Fair value of loans acquired with deteriorating credit quality, all other adjustments (2,177,690)  
Fair value of loans acquired with deteriorating credit quality, closing balance 9,696,496  
Commercial and Agricultural [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 145,731,838 134,194,422
Commercial and Agricultural [Member] | Agricultural [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 577,133 698,452
Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 145,154,705 133,495,970
Residential mortgages [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 196,525,568 200,998,777
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 196,525,568 200,998,777
Consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 282,109,901 239,689,455
Consumer loans [Member] | Credit Cards [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 1,756,414 1,851,145
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 1,756,414 1,851,145
Consumer loans [Member] | Home equity lines and loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 96,134,078 87,269,885
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 96,134,078 87,269,885
Consumer loans [Member] | Indirect consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 165,294,412 130,977,775
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 165,294,412 130,977,775
Consumer loans [Member] | Direct consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 18,924,997 19,590,650
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 18,924,997 19,590,650
Not Rated [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 474,098,057 437,016,980
Not Rated [Member] | Commercial mortgages [Member] | Construction [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Not Rated [Member] | Commercial mortgages [Member] | Commercial mortgage other [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Not Rated [Member] | Commercial and Agricultural [Member] | Agricultural [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Not Rated [Member] | Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Not Rated [Member] | Residential mortgages [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 192,995,108 198,336,641
Not Rated [Member] | Consumer loans [Member] | Credit Cards [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 1,756,414 1,851,145
Not Rated [Member] | Consumer loans [Member] | Home equity lines and loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 95,421,822 86,615,392
Not Rated [Member] | Consumer loans [Member] | Indirect consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 165,045,154 130,642,490
Not Rated [Member] | Consumer loans [Member] | Direct consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 18,879,559 19,571,312
Pass [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 471,235,061 404,520,259
Pass [Member] | Commercial mortgages [Member] | Construction [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 23,087,004 34,882,896
Pass [Member] | Commercial mortgages [Member] | Commercial mortgage other [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 313,955,960 247,793,150
Pass [Member] | Commercial and Agricultural [Member] | Agricultural [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 577,133 698,452
Pass [Member] | Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 133,614,964 121,145,761
Pass [Member] | Residential mortgages [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Pass [Member] | Consumer loans [Member] | Credit Cards [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Pass [Member] | Consumer loans [Member] | Home equity lines and loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Pass [Member] | Consumer loans [Member] | Indirect consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Pass [Member] | Consumer loans [Member] | Direct consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Loans Acquired with deteriorated credit quality [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 9,696,496 10,711,533
Loans Acquired with deteriorated credit quality [Member] | Commercial mortgages [Member] | Construction [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 773,738 1,182,037
Loans Acquired with deteriorated credit quality [Member] | Commercial mortgages [Member] | Commercial mortgage other [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 7,982,824 8,043,810
Loans Acquired with deteriorated credit quality [Member] | Commercial and Agricultural [Member] | Agricultural [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Loans Acquired with deteriorated credit quality [Member] | Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 678,383 1,241,418
Loans Acquired with deteriorated credit quality [Member] | Residential mortgages [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 261,551 244,268
Loans Acquired with deteriorated credit quality [Member] | Consumer loans [Member] | Credit Cards [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Loans Acquired with deteriorated credit quality [Member] | Consumer loans [Member] | Home equity lines and loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Loans Acquired with deteriorated credit quality [Member] | Consumer loans [Member] | Indirect consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Loans Acquired with deteriorated credit quality [Member] | Consumer loans [Member] | Direct consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Special Mention [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 21,511,495 25,136,636
Special Mention [Member] | Commercial mortgages [Member] | Construction [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 2,783,848 5,153,918
Special Mention [Member] | Commercial mortgages [Member] | Commercial mortgage other [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 13,611,331 11,974,716
Special Mention [Member] | Commercial and Agricultural [Member] | Agricultural [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Special Mention [Member] | Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 5,116,316 8,008,002
Special Mention [Member] | Residential mortgages [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Special Mention [Member] | Consumer loans [Member] | Credit Cards [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Special Mention [Member] | Consumer loans [Member] | Home equity lines and loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Special Mention [Member] | Consumer loans [Member] | Indirect consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Special Mention [Member] | Consumer loans [Member] | Direct consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Substandard [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 20,901,231 18,021,271
Substandard [Member] | Commercial mortgages [Member] | Construction [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 865,549 2,161,377
Substandard [Member] | Commercial mortgages [Member] | Commercial mortgage other [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 11,035,504 9,826,381
Substandard [Member] | Commercial and Agricultural [Member] | Agricultural [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Substandard [Member] | Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 4,724,318 2,606,529
Substandard [Member] | Residential mortgages [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 3,268,909 2,417,868
Substandard [Member] | Consumer loans [Member] | Credit Cards [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Substandard [Member] | Consumer loans [Member] | Home equity lines and loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 712,256 654,493
Substandard [Member] | Consumer loans [Member] | Indirect consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 249,257 335,285
Substandard [Member] | Consumer loans [Member] | Direct consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 45,438 19,338
Doubtful [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 1,020,725 494,260
Doubtful [Member] | Commercial mortgages [Member] | Construction [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Doubtful [Member] | Commercial mortgages [Member] | Commercial mortgage other [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Doubtful [Member] | Commercial and Agricultural [Member] | Agricultural [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Doubtful [Member] | Commercial and Agricultural [Member] | Commercial and industrial [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 1,020,725 494,260
Doubtful [Member] | Residential mortgages [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Doubtful [Member] | Consumer loans [Member] | Credit Cards [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Doubtful [Member] | Consumer loans [Member] | Home equity lines and loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Doubtful [Member] | Consumer loans [Member] | Indirect consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Doubtful [Member] | Consumer loans [Member] | Direct consumer loans [Member]
    
Finance receivable by credit quality indicator [Abstract]    
Loans 0 0
Performing [Member] | Residential mortgages [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 193,167,818 198,575,753
Performing [Member] | Consumer loans [Member] | Credit Cards [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 1,737,000 1,847,837
Performing [Member] | Consumer loans [Member] | Home equity lines and loans [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 95,498,705 86,698,520
Performing [Member] | Consumer loans [Member] | Indirect consumer loans [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 165,045,154 130,642,490
Performing [Member] | Consumer loans [Member] | Direct consumer loans [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 18,879,559 19,571,312
Non-Performing [Member] | Residential mortgages [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 3,357,750 2,423,024
Non-Performing [Member] | Consumer loans [Member] | Credit Cards [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 19,414 3,308
Non-Performing [Member] | Consumer loans [Member] | Home equity lines and loans [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 635,373 571,365
Non-Performing [Member] | Consumer loans [Member] | Indirect consumer loans [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable 249,258 335,285
Non-Performing [Member] | Consumer loans [Member] | Direct consumer loans [Member]
    
Residential and consumer finance receivable [Abstract]    
Residential and consumer loans receivable $ 45,438 $ 19,338
XML 90 R69.htm IDEA: XBRL DOCUMENT v2.4.0.8
COMMITMENTS AND CONTINGENCIES (Details) (USD $)
 12 Months Ended 12 Months Ended
Dec. 31, 2013
Dec. 31, 2013
Pending Litigation [Member]
Proceeding
Dec. 31, 2013
Pending Litigation [Member]
Objections to Final Settlement of Trust Account One [Member]
Dec. 31, 2013
Pending Litigation [Member]
Objections to Final Settlement of Trust Account Two [Member]
Dec. 31, 2013
Minimum [Member]
Dec. 31, 2013
Minimum [Member]
Fixed interest rate [Member]
Dec. 31, 2013
Maximum [Member]
Dec. 31, 2013
Maximum [Member]
Fixed interest rate [Member]
Dec. 31, 2013
Commitments to make loans [Member]
Fixed interest rate [Member]
Dec. 31, 2012
Commitments to make loans [Member]
Fixed interest rate [Member]
Dec. 31, 2013
Commitments to make loans [Member]
Variable interest rate [Member]
Dec. 31, 2012
Commitments to make loans [Member]
Variable interest rate [Member]
Dec. 31, 2013
Unused line of credit [Member]
Fixed interest rate [Member]
Dec. 31, 2012
Unused line of credit [Member]
Fixed interest rate [Member]
Dec. 31, 2013
Unused line of credit [Member]
Variable interest rate [Member]
Dec. 31, 2012
Unused line of credit [Member]
Variable interest rate [Member]
Dec. 31, 2013
Standby letters of credit [Member]
Dec. 31, 2013
Standby letters of credit [Member]
Fixed interest rate [Member]
Dec. 31, 2012
Standby letters of credit [Member]
Fixed interest rate [Member]
Dec. 31, 2013
Standby letters of credit [Member]
Variable interest rate [Member]
Dec. 31, 2012
Standby letters of credit [Member]
Variable interest rate [Member]
Off-balance sheet risks [Line Items]                                          
Off-balance sheet contractual amounts of financial instruments                 $ 21,049,240 $ 28,707,673 $ 7,893,481 $ 11,588,081 $ 2,190,224 $ 1,802,538 $ 187,061,408 $ 183,750,514   $ 0 $ 0 $ 17,290,453 $ 15,016,673
Off-balance sheet financial instruments, standard term 12 months                                        
Commitments period to make real estate and home equity loans             60 days                            
Interest rate on commitments to make loans (in hundredths)           3.625%   5.375%                          
Maturity period of commitments to make loans           5 years   30 years                          
Commitments period to make commercial draw notes         3 months   18 months                            
Interest rate on commitments to make commercial drawnotes (in hundredths)           3.35%   5.25%                          
Contingent obligations                                 17,290,453        
Loss Contingencies [Line Items]                                          
Number of legal proceedings   2                                      
Damages and disallowed trustee's commissions claimed     $ 9,600,000 $ 24,100,000                                  
XML 91 R27.htm IDEA: XBRL DOCUMENT v2.4.0.8
SEGMENT REPORTING
 12 Months Ended
Dec. 31, 2013
SEGMENT REPORTING [Abstract]  
SEGMENT REPORTING
(19)         SEGMENT REPORTING

The Corporation manages its operations through two primary business segments:  core banking and wealth management group services.  The core banking segment provides revenues by attracting deposits from the general public and using such funds to originate consumer, commercial, commercial real estate, and residential mortgage loans, primarily in the Corporation’s local markets and to invest in securities.  The wealth management group services segment provides revenues by providing trust and investment advisory services to clients.

Accounting policies for the segments are the same as those described in Note 1. Summarized financial information concerning the Corporation’s reportable segments and the reconciliation to the Corporation’s consolidated results are shown in the following table.  Income taxes are allocated based on the separate taxable income of each entity and indirect overhead expenses are allocated based on reasonable and equitable allocations applicable to the reportable segment.  Holding company amounts are the primary differences between segment amounts and consolidated totals, and are reflected in the Holding Company and Other column below, along with amounts to eliminate transactions between segments:

Year ended December 31, 2013
 
Core Banking
  
Wealth
Management
Group
  
Holding
Company
And Other
  
Consolidated
Totals
 
Net interest income
 
$
46,621,005
  
$
-
  
$
9,714
  
$
46,630,719
 
Provision for loan losses
  
2,754,726
   
-
   
-
   
2,754,726
 
Net interest income after provision for loan losses
  
43,866,279
   
-
   
9,714
   
43,875,993
 
Other operating income
  
9,912,614
   
7,344,045
   
819,945
   
18,076,604
 
Other operating expenses
  
43,134,860
   
5,480,218
   
784,166
   
49,399,244
 
Income (loss) before income tax expense
  
10,644,033
   
1,863,827
   
45,493
   
12,553,353
 
Income tax expense (benefit)
  
3,140,245
   
716,455
   
(34,403
)
  
3,822,297
 
Segment net income (loss)
 
$
7,503,788
  
$
1,147,372
  
$
79,896
  
$
8,731,056
 
 
                
Segment assets
 
$
1,469,482,048
  
$
4,943,092
  
$
1,718,313
  
$
1,476,143,453
 

Year ended December 31, 2012
 
Core Banking
  
Wealth
Management
Group
  
Holding
Company
And Other
  
Consolidated
Totals
 
Net interest income
 
$
46,833,743
  
$
-
  
$
8,130
  
$
46,841,873
 
Provision for loan losses
  
827,567
   
-
   
-
   
827,567
 
Net interest income after provision for loan losses
  
46,006,176
   
-
   
8,130
   
46,014,306
 
Other operating income
  
9,596,323
   
6,826,976
   
764,442
   
17,187,741
 
Other operating expenses
  
40,550,209
   
5,389,017
   
856,099
   
46,795,325
 
Income (loss) before income tax expense
  
15,052,290
   
1,437,959
   
(83,527
)
  
16,406,722
 
Income tax expense (benefit)
  
4,953,549
   
552,751
   
(121,818
)
  
5,384,482
 
Segment net income (loss)
 
$
10,098,741
  
$
885,208
  
$
38,291
  
$
11,022,240
 
 
                
Segment assets
 
$
1,240,751,558
  
$
5,155,950
  
$
2,252,200
  
$
1,248,159,708
 

Year ended December 31, 2011
 
Core Banking
  
Wealth
Management
Group
  
Holding
Company
And Other
  
Consolidated
Totals
 
Net interest income
 
$
43,906,319
  
$
-
  
$
8,729
  
$
43,915,048
 
Provision for loan losses
  
958,333
   
-
   
-
   
958,333
 
Net interest income after provision for loan losses
  
42,947,986
   
-
   
8,729
   
42,956,715
 
Other operating income
  
9,426,994
   
6,709,685
   
1,325,908
   
17,462,587
 
Other operating expenses
  
38,293,287
   
5,851,825
   
703,285
   
44,848,397
 
Income before income tax expense
  
14,081,693
   
857,860
   
631,352
   
15,570,905
 
Income tax expense
  
4,528,446
   
331,872
   
172,832
   
5,033,150
 
Segment net income
 
$
9,553,247
  
$
525,988
  
$
458,520
  
$
10,537,755
 
 
                
Segment assets
 
$
1,207,464,195
  
$
5,729,479
  
$
3,065,913
  
$
1,216,259,587
 
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SEGMENT REPORTING (Details) (USD $)
 12 Months Ended
Dec. 31, 2013
Segment
Dec. 31, 2012
Dec. 31, 2011
SEGMENT REPORTING [Abstract]      
Number of primary business segment 2    
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income $ 46,630,719 $ 46,841,873 $ 43,915,048
Provision for loan losses 2,754,726 827,567 958,333
Net interest income after provision for loan losses 43,875,993 46,014,306 42,956,715
Other operating income 18,076,604 17,187,741 17,462,587
Other operating expenses 49,399,244 46,795,325 44,848,397
Income before income tax expense 12,553,353 16,406,722 15,570,905
Income tax benefit (expense) 3,822,297 5,384,482 5,033,150
Net income 8,731,056 11,022,240 10,537,755
Segment assets 1,476,143,453 1,248,159,708  
Consolidated Total [Member]
      
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income 46,630,719 46,841,873 43,915,048
Provision for loan losses 2,754,726 827,567 958,333
Net interest income after provision for loan losses 43,875,993 46,014,306 42,956,715
Other operating income 18,076,604 17,187,741 17,462,587
Other operating expenses 49,399,244 46,795,325 44,848,397
Income before income tax expense 12,553,353 16,406,722 15,570,905
Income tax benefit (expense) 3,822,297 5,384,482 5,033,150
Net income 8,731,056 11,022,240 10,537,755
Segment assets 1,476,143,453 1,248,159,708 1,216,259,587
Core Banking [Member]
      
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income 46,621,005 46,833,743 43,906,319
Provision for loan losses 2,754,726 827,567 958,333
Net interest income after provision for loan losses 43,866,279 46,006,176 42,947,986
Other operating income 9,912,614 9,596,323 9,426,994
Other operating expenses 43,134,860 40,550,209 38,293,287
Income before income tax expense 10,644,033 15,052,290 14,081,693
Income tax benefit (expense) 3,140,245 4,953,549 4,528,446
Net income 7,503,788 10,098,741 9,553,247
Segment assets 1,469,482,048 1,240,751,558 1,207,464,195
Wealth Management Group Services [Member]
      
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income 0 0 0
Provision for loan losses 0 0 0
Net interest income after provision for loan losses 0 0 0
Other operating income 7,344,045 6,826,976 6,709,685
Other operating expenses 5,480,218 5,389,017 5,851,825
Income before income tax expense 1,863,827 1,437,959 857,860
Income tax benefit (expense) 716,455 552,751 331,872
Net income 1,147,372 885,208 525,988
Segment assets 4,943,092 5,155,950 5,729,479
Holding Company and Other [Member]
      
Reportable segments and reconciliation to consolidated results [Abstract]      
Net interest income 9,714 8,130 8,729
Provision for loan losses 0 0 0
Net interest income after provision for loan losses 9,714 8,130 8,729
Other operating income 819,945 764,442 1,325,908
Other operating expenses 784,166 856,099 703,285
Income before income tax expense 45,493 (83,527) 631,352
Income tax benefit (expense) (34,403) (121,818) 172,832
Net income 79,896 38,291 458,520
Segment assets $ 1,718,313 $ 2,252,200 $ 3,065,913
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PENSION PLAN AND OTHER BENEFIT PLANS (Tables)
 12 Months Ended
Dec. 31, 2013
Pension Plan [Member]
  
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]  
Change in benefit obligation
Change in projected benefit obligation:
 
2013
  
2012
 
Benefit obligation at beginning of year
 
$
38,051,477
  
$
32,526,033
 
Service cost
  
1,194,869
   
1,073,938
 
Interest cost
  
1,587,037
   
1,605,912
 
Actuarial (gain) loss
  
(3,269,422
)
  
4,213,664
 
Benefits paid
  
(1,378,161
)
  
(1,368,070
)
Benefit obligation at end of year
 
$
36,185,800
  
$
38,051,477
 
Change in plan assets
Change in plan assets:
 
2013
  
2012
 
Fair value of plan assets at beginning of year
 
$
37,238,650
  
$
35,015,567
 
Actual return on plan assets
  
5,921,515
   
3,591,153
 
Employer contributions
  
-
   
-
 
Benefits paid
  
(1,378,161
)
  
(1,368,070
)
Fair value of plan assets at end of year
 
$
41,782,004
  
$
37,238,650
 
 
        
Funded status
 
$
5,596,204
  
$
(812,827
)
Changes in accumulated postretirement benefit obligation
Amount recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

 
 
2013
  
2012
 
Net actuarial loss
 
$
9,842,829
  
$
17,789,018
 
Prior service cost
  
21,958
   
35,814
 
Total before tax effects
 
$
9,864,787
  
$
17,824,832
 
Assumptions used in determining benefit obligation
The principal actuarial assumptions used in determining the projected benefit obligation as of December 31, 2013, 2012 and 2011 were as follows:

 
 
2013
  
2012
  
2011
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%
Components of net periodic benefit cost and other amounts recognized in other comprehensive income
Components of net periodic benefit cost and other amounts recognized in other comprehensive income in 2013, 2012 and 2011 consist of the following:

Net periodic benefit cost
 
2013
  
2012
  
2011
 
Service cost, benefits earned during the year
 
$
1,194,869
  
$
1,073,938
  
$
993,364
 
Interest cost on projected benefit obligation
  
1,587,037
   
1,605,912
   
1,569,151
 
Expected return on plan assets
  
(2,824,014
)
  
(2,742,609
)
  
(2,340,373
)
Amortization of net loss
  
1,579,266
   
1,410,144
   
706,419
 
Amortization of  prior service cost
  
13,856
   
13,856
   
29,873
 
Net periodic cost
 
$
1,551,014
  
$
1,361,241
  
$
958,434
 

Other changes in plan assets and benefit obligations recognized in other comprehensive income:
 
2013
  
2012
  
2011
 
Net actuarial (gain) loss
 
$
(6,366,923
)
 
$
3,365,120
  
$
6,815,617
 
Recognized loss
  
(1,579,266
)
  
(1,410,144
)
  
(706,419
)
Amortization of prior service cost
  
(13,856
)
  
(13,856
)
  
(29,873
)
Total recognized in other comprehensive (loss) income (before tax effect)
 
$
(7,960,045
)
 
$
1,941,120
  
$
6,079,325
 
Total recognized in net benefit cost and other comprehensive (loss) income (before tax effect)
 
$
(6,409,031
)
 
$
3,302,361
  
$
7,037,759
 
Amounts expected to be recognized in net periodic cost
Amounts expected to be recognized in net periodic cost during 2014
 
 
Loss recognition
 
$
639,349
 
Prior service cost recognition
 
$
7,320
 
 
Assumptions used in determining net periodic benefit cost
The principal actuarial assumptions used in determining the net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 were as follows:

 
 
2013
  
2012
  
2011
 
Discount rate
  
4.26
%
  
4.95
%
  
5.65
%
Expected long-term rate of return on assets
  
7.75
%
  
8.00
%
  
8.00
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%
Target Assets Allocations
The expected return on plan assets was determined based on a Capital Asset Pricing Model ("CAPM") using historical and expected future returns of the various asset classes, reflecting the target allocations described below.

Asset Class
 
Target
Allocation
2013
  
Percentage of Plan Assets at
December 31,
  
Expected Long-
Term Rate of
Return
 
 
 
  
  
  
 
 
 
  
2013
  
2012
  
 
Large Cap Domestic Equities
  
30% - 60
%
  
54
%
  
51
%
  
10.3
%
Mid-Cap Domestic Equities
  
0% - 20
%
  
8
%
  
7
%
  
10.6
%
Small-Cap Domestic Equities
  
0% - 15
%
  
3
%
  
2
%
  
10.8
%
International Equities
  
0% - 25
%
  
4
%
  
4
%
  
10.3
%
Intermediate Fixed Income
  
20% - 50
%
  
26
%
  
31
%
  
4.7
%
Alternative Assets
  
0% - 10
%
  
3
%
  
3
   
7.5
%
Cash
  
0% - 20
%
  
2
%
  
2
%
  
2.5
%
Total
      
100
%
  
100
%
    
Fair value of the plan assets
The fair value of the plan assets at December 31, 2013 and 2012, by asset class are as follows:

  
Fair Value Measurement at December 31, 2013 Using
 
Plan Assets:
 
Carrying Value
  
Quoted Prices in
Active Markets
for Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Significant
Unobservable
Inputs
(Level 3)
 
Cash
 
$
981,992
  
$
981,992
  
$
-
  
$
-
 
Equity securities:
                
U.S. companies
  
27,169,984
   
27,169,984
   
-
   
-
 
International companies`
  
-
   
-
   
-
   
-
 
 
                
Mutual Funds
  
7,288,242
   
7,288,242
   
-
   
-
 
 
                
Debt securities:
                
U.S. Treasuries/Government bonds
  
3,308,718
   
3,308,718
   
-
   
-
 
U.S. Corporate bonds
  
2,770,935
   
-
   
2,770,935
   
-
 
Foreign bonds, notes & debentures
  
262,133
   
-
   
262,133
   
-
 
Total plan assets
 
$
41,782,004
  
$
38,748,936
  
$
3,033,068
  
$
-
 

  
Fair Value Measurement at December 31, 2012 Using
 
Plan Assets:
 
Carrying Value
  
Quoted Prices in
Active Markets
for Identical
Assets
(Level 1)
  
Significant
Other
Observable
Inputs
(Level 2)
  
Significant
Unobservable
Inputs
(Level 3)
 
Cash
 
$
703,229
  
$
703,229
  
$
-
  
$
-
 
Equity securities:
                
U.S. companies
  
21,579,185
   
21,579,185
   
-
   
-
 
International companies
  
629,883
   
629,883
   
-
   
-
 
 
                
Mutual Funds
  
7,217,760
   
7,217,760
   
-
   
-
 
 
                
Debt securities:
                
U.S. Treasuries/Government bonds
  
3,468,448
   
3,468,448
   
-
   
-
 
U.S. Corporate bonds
  
3,371,255
   
-
   
3,371,255
   
-
 
Foreign bonds, notes & debentures
  
268,890
   
-
   
268,890
   
-
 
Total plan assets
 
$
37,238,650
  
$
33,598,505
  
$
3,640,145
  
$
-
 
Estimated benefit payments
The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the pension plan:

Calendar Year
 
Future Expected Benefit Payments
 
2014
 
$
1,699,649
 
2015
 
$
1,751,122
 
2016
 
$
1,838,606
 
2017
 
$
1,946,144
 
2018
 
$
2,036,469
 
2019-2023
 
$
11,305,023
 
Defined Benefit Health Care Plan [Member]
  
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]  
Change in benefit obligation
Changes in accumulated postretirement benefit obligation:
 
2013
  
2012
 
Accumulated postretirement benefit obligation at beginning of year
 
$
1,534,161
  
$
1,391,822
 
Service cost
  
44,000
   
39,000
 
Interest cost
  
66,000
   
71,000
 
Participant contributions
  
73,980
   
65,161
 
Actuarial (gain) loss
  
(60,855
)
  
177,966
 
Benefits paid
  
(167,172
)
  
(210,788
)
Accumulated postretirement benefit obligation at end of year
 
$
1,490,114
  
$
1,534,161
 
Change in plan assets
Changes in plan assets:
 
2013
  
2012
 
Fair value of plan assets at beginning of year
 
$
-
  
$
-
 
Employer contributions
  
74,730
   
74,730
 
Benefits paid
  
(74,730
)
  
(74,730
)
Fair value of plan assets at end of year
 
$
-
  
$
-
 
Unfunded status
 
$
(1,115,736
)
 
$
(1,161,479
)
Amount recognized in accumulated other comprehensive income
Amount recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

 
 
2013
  
2012
 
Net actuarial loss
 
$
148,081
  
$
218,936
 
Prior service benefit
  
(628,000
)
  
(725,000
)
Total before tax effects
 
$
(479,919
)
 
$
(506,064
)
Weighted-average assumption for disclosure
Weighted-average assumption for disclosure as of December 31,:
 
2013
  
2012
  
2011
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Health care cost trend: Initial
  
8.00
%
  
9.00
%
  
10.00
%
Health care cost trend: Ultimate
  
5.00
%
  
5.00
%
  
5.00
%
Year ultimate cost trend reached
  
2018
   
2018
   
2018
 
Components of net periodic benefit cost and other amounts recognized in other comprehensive income
The components of net periodic postretirement benefit cost for the years ended December 31, 2013, 2012 and 2011 are as follows:

Net periodic benefit cost
 
2013
  
2012
  
2011
 
Service cost
 
$
44,000
  
$
39,000
  
$
35,000
 
Interest cost
  
66,000
   
71,000
   
72,000
 
Amortization of  prior service benefit
  
(97,000
)
  
(97,000
)
  
(97,000
)
Recognized actuarial loss
  
10,000
   
1,000
   
-
 
Net periodic postretirement cost
 
$
23,000
  
$
14,000
  
$
10,000
 

Other changes in plan assets and benefit obligations recognized in other comprehensive income:
 
2013
  
2012
  
2011
 
Net actuarial (gain) loss
 
$
(60,855
)
 
$
177,966
  
$
19,705
 
Recognized actuarial loss
  
(10,000
)
  
(1,000
)
  
-
 
Amortization of  prior service benefit
  
97,000
   
97,000
   
97,000
 
Total recognized in other comprehensive income (before tax effect)
 
$
26,145
  
$
273,966
  
$
116,705
 
Total recognized in net benefit cost and other comprehensive income (before tax effect)
 
$
49,145
  
$
287,966
  
$
126,705
 
Amounts expected to be recognized in net periodic cost
Amounts expected to be recognized in net periodic cost during 2014:
 
 
Loss recognition
 
$
-
 
Prior service cost recognition
 
$
(97,000
)
Effect of one-percentage point change in assumed health care cost trend rates
Assumed health care cost trend rates have a significant effect on the amounts reported for the health care plan.  A one-percentage point change in assumed health care cost trend rates would have the following effects:

Effect of a 1% increase in health care trend rate on:
 
2013
  
2012
  
2011
 
Benefit obligation
 
$
15,000
  
$
4,000
  
$
10,000
 
Total service and interest cost
 
$
300
  
$
(100
)
 
$
700
 

Effect of a 1% decrease in health care trend rate on:
 
2013
  
2012
  
2011
 
Benefit obligation
 
$
(23,000
)
 
$
(5,000
)
 
$
(11,000
)
Total service and interest cost
 
$
(1,500
)
 
$
(500
)
 
$
(500
)
Weighted-average assumption for net periodic cost
Weighted-average assumptions for net periodic cost as of December 31,:
 
2013
  
2012
  
2011
 
Discount rate
  
4.26
%
  
4.95
%
  
5.65
%
Health care cost trend: Initial
  
9.00
%
  
10.00
%
  
14.00
%
Health care cost tread: Ultimate
  
5.00
%
  
5.00
%
  
5.00
%
Year ultimate reached
  
2018
   
2018
   
2020
 
Estimated benefit payments
The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten:

Calendar Year
 
 
2014
 
$
144,000
 
2015
 
$
154,000
 
2016
 
$
143,000
 
2017
 
$
132,000
 
2018
 
$
150,000
 
2019-2023
 
$
680,000
 
Executive Supplemental Pension Plan [Member]
  
Defined Benefit Plans and Other Postretirement Benefit Plans Table Text Block [Line Items]  
Change in benefit obligation
Change in benefit obligation:
 
2013
  
2012
 
Benefit obligation at beginning of year
 
$
1,161,749
  
$
1,069,490
 
Service cost
  
40,015
   
34,770
 
Interest cost
  
47,899
   
51,091
 
Actuarial (gain) loss
  
(59,197
)
  
81,128
 
Benefits paid
  
(74,730
)
  
(74,730
)
Projected benefit obligation at end of year
 
$
1,115,736
  
$
1,161,749
 
Amount recognized in accumulated other comprehensive income
Amounts recognized in accumulated other comprehensive income at December 31, 2013 and 2012 consist of the following:

 
 
2013
  
2012
 
Net actuarial loss
 
$
194,181
  
$
287,679
 
Prior service cost
  
-
   
-
 
Total before tax effects
 
$
194,181
  
$
287,679
 
Assumptions used in determining benefit obligation
Accumulated benefit obligation at December 31, 2013 and 2012 was $1,042,253 and $1,092,439, respectively.

Weighted-average assumption for disclosure as of December 31,:
 
2013
  
2012
  
2011
 
Discount rate
  
4.92
%
  
4.26
%
  
4.95
%
Assumed rate of future compensation increase
  
5.00
%
  
5.00
%
  
5.00
%
Components of net periodic benefit cost and other amounts recognized in other comprehensive income
The components of net periodic benefit cost for the years ended December 31, 2013, 2012 and 2011 are as follows:

Net periodic benefit cost
 
2013
  
2012
  
2011
 
Service cost
 
$
40,015
  
$
34,770
  
$
30,625
 
Interest cost
  
47,899
   
51,091
   
53,771
 
Recognized actuarial loss
  
34,301
   
19,920
   
9,466
 
Net periodic postretirement benefit cost
 
$
122,215
  
$
105,781
  
$
93,862
 

Other changes in plan assets and benefit obligation recognized in other comprehensive income:
 
2013
  
2012
  
2011
 
Net actuarial (gain) loss
 
$
(59,197
)
 
$
81,128
  
$
70,771
 
Recognized actuarial loss
  
(34,301
)
  
(19,920
)
  
(9,466
)
Total recognized in other comprehensive income (before tax effect)
 
$
(93,498
)
 
$
61,208
  
$
61,305
 
 
            
Total recognized in net benefit cost and other comprehensive income (before tax effect)
 
$
28,717
  
$
166,989
  
$
155,167
 
Amounts expected to be recognized in net periodic cost
Amounts expected to be recognized in net periodic cost during 2014:
 
Loss recognition
 
$
20,652
 
Prior service cost recognition
 
$
-
 
Assumptions used in determining net periodic benefit cost
Weighted-average assumptions for net periodic cost as of December 31,:
 
2013
  
2012
  
2011
 
Discount rate
  
4.26
%
  
4.95
%
  
5.65
%
Salary scale
  
5.00
%
  
5.00
%
  
5.00
%
Estimated benefit payments
The following table presents the estimated benefit payments for each of the next five years and the aggregate amount expected to be paid in years six through ten for the Supplemental Pension Plan:

Calendar Year
 
Future Estimated Benefit Payments
 
2014
 
$
75,000
 
2015
 
$
75,000
 
2016
 
$
75,000
 
2017
 
$
75,000
 
2018
 
$
116,000
 
2019-2023
 
$
580,000
 
XML 95 R20.htm IDEA: XBRL DOCUMENT v2.4.0.8
STOCK COMPENSATION
 12 Months Ended
Dec. 31, 2013
STOCK COMPENSATION [Abstract]  
STOCK COMPENSATION
(12)         STOCK COMPENSATION

Board of Director’s Stock Compensation

Members of the Board of Directors receive common shares of the Corporation equal in value to the amount of fees individually earned during the previous year for service as a director.  The common shares are distributed to the Corporation's individual board members from treasury shares of the Corporation on or about January 15 following the calendar year of service.

Additionally, the President and Chief Executive Officer of the Corporation, who does not receive cash compensation as a member of the Board of Directors, is awarded common shares equal in value to the average of those awarded to board members not employed by the Corporation who have served for 12 months during the prior year.

During January 2014 and 2013, 8,385 and 7,969 shares, respectively, were re-issued from treasury to fund the stock component of directors' compensation.  An expense of $272,729, $216,946 and $232,948 related to this compensation was recognized during the years 2013, 2012 and 2011, respectively.  This expense is accrued as shares are earned.

Restricted Stock Plan

Pursuant to the Corporation’s Restricted Stock Plan (the “Plan”), the Corporation may make discretionary grants of restricted stock to officers other than the Corporation's Chief Executive Officer.  Compensation expense is recognized over the vesting period of the awards based on the fair value of the stock at issue date.

A summary of restricted stock activity as of December 31, 2013, and changes during the year ended is presented below:

 
 
Shares
  
Weighted–Average
Grant Date Fair Value
 
Nonvested at December 31, 2012
  
20,009
  
$
23.84
 
Granted
  
8,087
   
32.18
 
Vested
  
(5,660
)
  
23.22
 
Forfeited or Cancelled
  
(1,797
)
  
25.04
 
Nonvested at December 31, 2013
  
20,639
  
$
27.17
 

As of December 31, 2013, there was $548,916 of total unrecognized compensation cost related to nonvested shares granted under the Plan.  The cost is expected to be recognized over a weighted-average period of 4.12 years.  The total fair value of shares vested during the years ended December 31, 2013 and 2012 were $180,576 and $87,314, respectively.

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