View Filing Data

Document And Entity Information	9 Months Ended
Document And Entity Information	Sep. 30, 2011 USD ($) shares
Entity Registrant Name	NBT BANCORP INC
Entity Central Index Key	0000790359
Current Fiscal Year End Date	--12-31
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Public Float \| $	$ 673,845,411
Entity Common Stock, Shares Outstanding \| shares	33,106,729
Document Fiscal Year Focus	2011
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2011

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2011	Dec. 31, 2010
Assets
Cash and due from banks	$ 121,976	$ 99,673
Short-term interest bearing accounts	69,969	69,119
Securities available for sale, at fair value	1,169,552	1,129,368
Securities held to maturity (fair value $74,448 and $98,759, respectively)	72,959	97,310
Trading securities	2,965	2,808
Federal Reserve and Federal Home Loan Bank stock	27,020	27,246
Loans and leases	3,708,090	3,610,006
Less allowance for loan and lease losses	71,334	71,234
Net loans and leases	3,636,756	3,538,772
Premises and equipment, net	69,092	67,404
Goodwill	116,127	114,841
Intangible assets, net	17,620	17,543
Bank owned life insurance	77,669	75,301
Other assets	96,746	99,471
Total assets	5,478,451	5,338,856
Liabilities
Demand (noninterest bearing)	1,028,553	911,741
Savings, NOW, and money market	2,365,359	2,291,833
Time	871,152	930,778
Total deposits	4,265,064	4,134,352
Short-term borrowings	158,285	159,434
Long-term debt	370,347	369,874
Trust preferred debentures	75,422	75,422
Other liabilities	70,485	66,202
Total liabilities	4,939,603	4,805,284
Stockholders' equity
Preferred stock, $0.01 par value. Authorized 2,500,000 shares at September 30, 2011 and December 31, 2010	0	0
Common stock, $0.01 par value. Authorized 50,000,000 shares at September 30, 2011 and December 31, 2010; issued 38,035,539 at September 30, 2011 and December 31, 2010	380	380
Additional paid-in-capital	316,039	314,023
Retained earnings	323,400	299,797
Accumulated other comprehensive loss	3,639	(5,335)
Common stock in treasury, at cost, 4,932,213 and 3,532,732 shares at September 30, 2011 and December 31, 2010, respectively	(104,610)	(75,293)
Total stockholders' equity	538,848	533,572
Total liabilities and stockholders' equity	$ 5,478,451	$ 5,338,856

Consolidated Balance Sheets (Unaudited) Parenthetical - USD ($) $ in Thousands	Sep. 30, 2011	Dec. 31, 2010
Assets
Securities held to maturity fair value	$ 74,448	$ 98,759
Stockholders' equity
Preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Preferred stock, shares authorized (in shares)	2,500,000	2,500,000
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	50,000,000	50,000,000
Common stock, shares issued (in shares)	38,035,539	38,035,539
Common stock in treasury, at cost shares (in shares)	4,932,213	3,532,732

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Interest, fee, and dividend income
Interest and fees on loans and leases	$ 50,991	$ 53,301	$ 152,977	$ 160,496
Securities available for sale	7,771	8,621	23,622	28,223
Securities held to maturity	680	908	2,225	3,123
Other	342	482	1,275	1,547
Total interest, fee, and dividend income	59,784	63,312	180,099	193,389
Interest expense
Deposits	5,352	7,174	17,690	23,627
Short-term borrowings	56	91	166	338
Long-term debt	3,621	4,374	10,783	14,289
Trust preferred debentures	394	1,046	1,683	3,106
Total interest expense	9,423	12,685	30,322	41,360
Net interest income	50,361	50,627	149,777	152,029
Provision for loan and lease losses	5,175	7,529	15,161	23,122
Net interest income after provision for loan and lease losses	45,186	43,098	134,616	128,907
Noninterest income
Service charges on deposit accounts	5,532	5,953	16,059	18,384
Insurance and other financial services revenue	5,127	4,595	15,925	14,540
Trust	2,090	1,786	6,384	5,461
Net securities gains	12	1,120	98	1,211
Bank owned life insurance	674	655	2,368	2,444
ATM and debit card fees	3,135	2,660	8,731	7,489
Retirement plan administration fees	2,295	2,612	6,734	7,597
Other	1,329	1,610	3,881	4,526
Total noninterest income	20,194	20,991	60,181	61,652
Noninterest expense
Salaries and employee benefits	25,068	24,090	74,107	70,518
Occupancy	3,887	3,709	12,396	11,527
Equipment	2,288	2,053	6,658	6,194
Data processing and communications	3,054	2,971	9,085	9,454
Professional fees and outside services	2,215	2,068	6,369	6,543
Office supplies and postage	1,531	1,542	4,418	4,538
Amortization of intangible assets	782	767	2,286	2,328
Loan collection and other real estate owned	676	548	1,838	2,275
Advertising	685	730	2,286	2,221
FDIC expenses	920	1,621	3,381	4,734
Prepayment penalty on long-term debt	0	1,205	0	1,205
Other	3,940	3,380	10,440	9,504
Total noninterest expense	45,046	44,684	133,264	131,041
Income before income tax expense	20,334	19,405	61,533	59,518
Income tax expense	5,117	4,835	17,354	16,548
Net income	$ 15,217	$ 14,570	$ 44,179	$ 42,970
Earnings per share
Basic	$ 0.46	$ 0.42	$ 1.30	$ 1.25
Diluted	$ 0.45	$ 0.42	$ 1.29	$ 1.25

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Consolidated Statements of Comprehensive Income (Unaudited) Parenthetical [Abstract]
Net income	$ 15,217	$ 14,570	$ 44,179	$ 42,970
Other comprehensive (loss) income, net of tax
Unrealized net holding gains (losses) arising during the period (pre-tax amounts of $5,978, ($62), $13,719 and $5,681)	3,609	(42)	8,284	3,426
Reclassification adjustment for net gains related to securities available for sale included in net income (pre-tax amounts of ($12), ($1,120), ($98) and ($1,211))	(7)	(672)	(59)	(727)
Pension and other benefits:
Amortization of prior service cost and actuarial gains (pre-tax amounts of $417, $288, $1,248 and $1,075)	250	173	749	645
Total other comprehensive income	3,852	(541)	8,974	3,344
Comprehensive income	$ 19,069	$ 14,029	$ 53,153	$ 46,314

- Definition

The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.

+ References

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- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

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+ Details

- Definition

The adjustment out of other comprehensive income for prior service costs recognized as a component of net period benefit cost during the period, after tax.

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+ Details

- Definition

This element represents Other Comprehensive Income or Loss, Net of Tax, for the period attributable to the parent entity. Includes deferred gains or losses on qualifying hedges, unrealized holding gains or losses on available-for-sale securities, minimum pension liability, and cumulative translation adjustment.

+ References

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+ Details

- Definition

Reclassification adjustment for unrealized gains or losses realized upon the sale of securities, after tax.

+ References

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- Definition

Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.

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+ Details

Consolidated Statements of Comprehensive Income (Unaudited) Parenthetical - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Other comprehensive (loss) income, net of tax
Unrealized net holding gains arising during the period, pre-tax amounts	$ 5,978	$ (62)	$ 13,719	$ 5,681
Reclassification adjustment for net gains related to securities available for sale included in net income pre-tax amounts	(12)	(1,120)	(98)	(1,211)
Amortization of prior service cost and actuarial gains pre-tax amounts	$ 417	$ 288	$ 1,248	$ 1,075

- Definition

The change in other comprehensive income due to the amortization of the net prior service costs (credit) into net periodic pension costs.

+ References

+ Details

- Definition

Pre tax reclassification adjustment for gains or losses realized upon the sale of securities.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 24
-Subparagraph b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
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-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
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-Paragraph 9
-Subparagraph (d)
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-Section 45
-Paragraph 16
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Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Reclassification Adjustments
-URI http://asc.fasb.org/extlink&oid=6522872

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph c(3)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

- Definition

Gross appreciation or the gross loss in value of the total of unsold available-for-sale securities during the period being reported (except when designated as a fair value hedge).

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
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-Number 115
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-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-Name Statement of Financial Accounting Standard (FAS)
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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Reference 7: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph c(3)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in- Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive (Loss) Income [Member]	Common Stock in Treasury [Member]	Total
Beginning Balance at Dec. 31, 2009	$ 380	$ 311,164	$ 270,232	$ 1,163	$ (77,816)	$ 505,123
Net income	0	0	42,970	0	0	42,970
Cash dividends - $0.60 per share	0	0	(20,678)	0	0	(20,678)
Purchase of treasury shares	0	0	0	0	(477)	(477)
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit	0	21	(229)	0	1,619	1,411
Stock-based compensation	0	2,558	0	0	0	2,558
Issuance of shares of restricted stock awards	0	(730)	(1)	0	731	0
Forfeiture of shares of restricted stock	0	46	0	0	(46)	0
Other comprehensive income	0	0	0	3,344	0	3,344
Ending Balance at Sep. 30, 2010	380	313,059	292,294	4,507	(75,989)	534,251
Beginning Balance at Dec. 31, 2010	380	314,023	299,797	(5,335)	(75,293)	533,572
Net income	0	0	44,179	0	0	44,179
Cash dividends - $0.60 per share	0	0	(20,439)	0	0	(20,439)
Purchase of treasury shares	0	0	0	0	(30,502)	(30,502)
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit	0	(163)	(137)	0	928	628
Stock-based compensation	0	2,436	0	0	0	2,436
Issuance of shares of restricted stock awards	0	(554)	0	0	554	0
Forfeiture of shares of restricted stock	0	297	0	0	(297)	0
Other comprehensive income	0	0	0	8,974	0	8,974
Ending Balance at Sep. 30, 2011	$ 380	$ 316,039	$ 323,400	$ 3,639	$ (104,610)	$ 538,848

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

- Definition

This element represents Other Comprehensive Income or Loss, Net of Tax, for the period. Includes deferred gains or losses on qualifying hedges, unrealized holding gains or losses on available-for-sale securities, minimum pension liability, and cumulative translation adjustment. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Principles Board Opinion (APB)
-Number 12
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 31
-Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
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Reference 5: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Topic 505
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-Name Accounting Standards Codification
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Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph c(3)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

- Definition

Value of stock (or other type of equity) issued during the period as a result of any equity-based compensation plan other than an employee stock ownership plan (ESOP), net of stock value of such awards forfeited. Stock issued could result from the issuance of restricted stock, the exercise of stock options, stock issued under employee stock purchase plans, and/or other employee benefit plans.

+ References + Details

- Definition

Equity impact of the cost of common and preferred stock that were repurchased during the period. Recorded using the cost method.

+ References + Details

Consolidated Statements of Stockholders' Equity (Unaudited) Parenthetical - $ / shares	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Consolidated Statements of Stockholders' Equity (Unaudited) Parenthetical [Abstract]
Cash dividends - per share (in dollars per share)	$ 0.60	$ 0.60
Purchase of Treasury Shares (in shares)	1,458,609	23,810
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit (in shares)	45,116	76,104
Net issuance of shares of restricted stock awards (in shares)	26,012	34,323
Forfeiture of shares of restricted stock (in shares)	12,000	2,000

- Definition

Number of shares issued during the period related to Restricted Stock Awards, net of any shares forfeited.

+ References + Details

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010
Operating activities
Net income	$ 44,179	$ 42,970
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan and lease losses	15,161	23,122
Depreciation and amortization of premises and equipment	4,023	3,991
Net accretion on securities	939	890
Amortization of intangible assets	2,286	2,328
Stock based compensation	2,436	2,558
Bank owned life insurance income	(2,368)	(2,444)
Purchases of trading securities	(404)	(152)
Unrealized losses in trading securities	247	12
Deferred income tax benefit	(4,003)	(14,619)
Proceeds from sales of loans held for sale	3,257	69,815
Originations and purchases of loans held for sale	(2,445)	(68,756)
Net gains on sales of loans held for sale	(2)	(672)
Net security gains	(98)	(1,211)
Net gain on sales of other real estate owned	(712)	(344)
Net decrease in other assets	3,499	4,667
Net increase in other liabilities	1,531	6,400
Net cash provided by operating activities	67,526	68,555
Securities available for sale:
Proceeds from maturities, calls, and principal paydowns	360,358	420,119
Proceeds from sales	118	5,352
Purchases	(387,855)	(384,044)
Securities held to maturity:
Proceeds from maturities, calls, and principal paydowns	39,766	97,094
Purchases	(14,580)	(40,444)
Net (increase) decrease in loans	(115,065)	4,910
Net decrease in Federal Reserve and FHLB stock	226	6,051
Proceeds from bank owned life insurance	0	2,767
Purchases of premises and equipment	(5,677)	(4,372)
Proceeds from sales of other real estate owned	2,073	2,496
Net cash used in acquisition	(1,000)	0
Net cash (used in) provided by investing activities	(121,636)	109,929
Financing activities
Net increase in deposits	130,712	109,575
Net (decrease) increase in short-term borrowings	(1,149)	10,487
Repayments of long-term debt	(2,143)	(125,230)
Issuance of long-term debt	156	0
Excess tax (obligation) benefit from exercise of stock options	(95)	123
Proceeds from the issuance of shares to employee benefit plans and other stock plans	723	1,288
Purchase of treasury stock	(30,502)	(477)
Cash dividends and payment for fractional shares	(20,439)	(20,678)
Net cash provided by (used in) financing activities	77,263	(24,912)
Net increase in cash and cash equivalents	23,153	153,572
Cash and cash equivalents at beginning of period	168,792	187,161
Cash and cash equivalents at end of period	191,945	340,733
Cash paid during the period for:
Interest	30,774	42,409
Income taxes paid, net of refunds received	22,537	28,797
Noncash investing activities:
Loans transferred to OREO	1,110	937
Fair value of assets acquired	3,460	0
Goodwill and identifiable intangible assets recognized in purchase combination	3,426	0
Fair value of debt issued in purchase combination	$ 2,460	$ 0

Description of Business	9 Months Ended
Description of Business	Sep. 30, 2011
Basis of Presentation [Abstract]
Description of Business	Note 1. Description of Business NBT Bancorp Inc. (the "Registrant") is a registered financial holding company incorporated in the State of Delaware in 1986, with its principal headquarters located in Norwich, New York. The Registrant is the parent holding company of NBT Bank, N.A. (the "Bank"), NBT Financial Services, Inc. ("NBT Financial"), NBT Holdings, Inc. ("NBT Holdings"), CNBF Capital Trust I, NBT Statutory Trust I and NBT Statutory Trust II (the "Trusts"). Through the Bank, the Company is focused on community banking operations. Through NBT Financial, the Company operates EPIC Advisors, Inc. ("EPIC"), a retirement plan administrator. Through NBT Holdings, the Company operates Mang Insurance Agency, LLC ("Mang"), a full-service insurance agency. The Trusts were organized to raise additional regulatory capital and to provide funding for certain acquisitions. The Registrant's primary business consists of providing commercial banking and financial services to customers in its market area. The principal assets of the Registrant are all of the outstanding shares of common stock of its direct subsidiaries, and its principal sources of revenue are the management fees and dividends it receives from the Bank, NBT Financial, and NBT Holdings. The Bank is a full service commercial bank formed in 1856, which provides a broad range of financial products to individuals, corporations and municipalities throughout the upstate New York, northeastern Pennsylvania, northwestern Vermont, and western Massachusetts market areas.

Basis of Presentation	9 Months Ended
Basis of Presentation	Sep. 30, 2011
Basis of Presentation [Abstract]
Basis of Presentation	Note 2. Basis of Presentation The accompanying unaudited interim consolidated financial statements include the accounts of the Registrant and its wholly owned subsidiaries, the Bank, NBT Financial and NBT Holdings. Collectively, the Registrant and its subsidiaries are referred to herein as "the Company." All intercompany transactions have been eliminated in consolidation. Amounts in the prior period financial statements are reclassified whenever necessary to conform to current period presentation.

- Definition

The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 2-6
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Name Statement of Position (SOP)
-Publisher AICPA
-Number 94-6
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Name FASB Interpretation (FIN)
-Publisher FASB
-Number 46R
-Paragraph 4, 14, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
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-Paragraph 3
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-Name Accounting Standards Codification
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-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Use of Estimates	9 Months Ended
Use of Estimates	Sep. 30, 2011
Use of Estimates [Abstract]
Use of Estimates	Note 3. Use of Estimates Preparing financial statements in conformity with accounting principles generally accepted in the United States of America (U.S. GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period, as well as the disclosures provided. Actual results could differ from those estimates. Estimates associated with the allowance for loan and lease losses, other real estate owned ("OREO"), income taxes, pension expense, fair values of financial instruments and status of contingencies are particularly susceptible to material change in the near term. The allowance for loan and lease losses is the amount which, in the opinion of management, is necessary to absorb probable losses inherent in the loan and lease portfolio. The allowance is determined based upon numerous considerations, including local and national economic conditions, the growth and composition of the loan portfolio with respect to the mix between the various types of loans and their related risk characteristics, a review of the value of collateral supporting the loans, comprehensive reviews of the loan portfolio by the independent loan review staff and management, as well as consideration of volume and trends of delinquencies, nonperforming loans, and loan charge-offs. As a result of the review of these factors and historical and current indicators, required additions or reductions to the allowance for loan and lease losses are made periodically by charges or credits to the provision for loan and lease losses. The allowance for loan and lease losses related to impaired loans is based on discounted cash flows using the loan's initial effective interest rate or the fair value of the collateral for certain loans where repayment of the loan is expected to be provided solely by the underlying collateral (collateral dependent loans). The Company's impaired loans are generally collateral dependent loans. The Company considers the estimated cost to sell, on a discounted basis, when determining the fair value of collateral in the measurement of impairment if those costs are expected to reduce the cash flows available to repay or otherwise satisfy the loans. Management believes that the allowance for loan and lease losses is adequate. While management uses available information to recognize loan and lease losses, future additions or reductions to the allowance for loan and lease losses may be necessary based on changes in economic conditions or changes in the values of properties securing loans in the process of foreclosure. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan and lease losses. Such agencies may require the Company to recognize additions to the allowance for loan and lease losses based on their judgments about information available to them at the time of their examination which may not be currently available to management. In determining that we will be unable to collect all principal and interest payments due in accordance with the contractual terms of the loan agreements, we consider factors such as payment history and changes in the financial condition of individual borrowers, local economic conditions, historical loss experience and the conditions of the various markets in which the collateral may be liquidated. OREO consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are recorded at the lower of fair value of the asset acquired less estimated costs to sell or "cost" (cost is defined as the fair value less costs to sell at initial foreclosure). At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair value of the assets received, less estimated selling costs, is charged to the allowance for loan and lease losses and any subsequent valuation write-downs are charged to other expense. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of OREO are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by U.S. GAAP. Income taxes are accounted for under the asset and liability method. The Company files consolidated tax returns on the accrual basis. Deferred income taxes are recognized for the future tax consequences and benefits attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the available carryback period. A valuation allowance is provided when it is more likely than not that some portion of the deferred tax asset will not be realized. Based on available carrybacks and expected future income, gross deferred tax assets will ultimately be realized and a valuation allowance was not deemed necessary at September 30, 2011 or December 31, 2010. The effect of a change in tax rates on deferred taxes is recognized in income in the period that includes the enactment date. Uncertain tax positions are recognized only when it is more likely than not (likelihood of greater than 50%), based on technical merits, that the position would be sustained upon examination by taxing authorities. Tax positions that meet the more than likely than not threshold are measured using a probability-weighted approach as the largest amount of tax benefit that is greater than 50% likely of being realized upon settlement. Management is required to make various assumptions in valuing its pension assets and liabilities. These assumptions include the expected long-term rate of return on plan assets, the discount rate, and the rate of increase in future compensation levels. Changes to these assumptions could impact earnings in future periods. The Company takes into account the plan asset mix, funding obligations, and expert opinions in determining the various assumptions used to compute pension expense. The Company also considers relevant indices and market interest rates in selecting an appropriate discount rate. A cash flow analysis for expected benefit payments from the plan is performed each year to assist in selecting the discount rate. In addition, the Company reviews expected inflationary and merit increases to compensation in determining the expected rate of increase in future compensation levels. Management is required to make various assumptions in determining the fair values of financial instruments. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. 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. Management is required to make various assumptions in determining the credit risk involved in issuing contingent obligations such as standby letters of credit, commercial letters of credit, and other lines of credit. Since commitments to extend credit and unused lines of credit may expire without being fully drawn upon, this amount does not necessarily represent future cash commitments. Based on historical experience and economic factors, the Company makes estimates of future cash commitments from these contingent obligations to determine their fair value and establish an allowance if necessary.

Commitments and Contingent Liabilities	9 Months Ended
Commitments and Contingent Liabilities	Sep. 30, 2011
Commitments And Contingencies [Abstract]
Commitments and Contingent Liabilities	Note 4. Commitments and Contingencies The Company is a party to financial instruments in the normal course of business to meet the financing needs of its customers and to reduce its own exposure to fluctuating interest rates. These financial instruments include commitments to extend credit, unused lines of credit, and standby letters of credit. Exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to make loans and standby letters of credit is represented by the contractual amount of those instruments. The Company uses the same credit origination guidelines, portfolio maintenance and management procedures as other credit and off-balance sheet products. Commitments to extend credit and unused lines of credit totaled $749.2 million at September 30, 2011 and $643.6 million at December 31, 2010. Since commitments to extend credit and unused lines of credit may expire without being fully drawn upon, this amount does not necessarily represent future cash commitments. Collateral obtained upon exercise of the commitment is determined using management's credit evaluation of the borrower and may include accounts receivable, inventory, property, land and other items. The Company guarantees the obligations or performance of customers by issuing standby letters of credit to third parties. These standby letters of credit are frequently issued in support of third party debt, such as corporate debt issuances, industrial revenue bonds and municipal securities. The credit risk involved in issuing standby letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers, and they are subject to the same credit origination guidelines, portfolio maintenance and management procedures as other credit and off-balance sheet products. Typically, these instruments have terms of five years or less and expire unused; therefore, the total amounts do not necessarily represent future cash commitments. Standby letters of credit totaled $26.0 million at September 30, 2011 and $26.2 million at December 31, 2010. As of September 30, 2011, the fair value of standby letters of credit was not significant to the Company's consolidated financial statements. The Company has also entered into commercial letter of credit agreements on behalf of its customers. Under these agreements, the Company, on the request of its customer, opens the letter of credit and makes a commitment to honor draws made under the agreement, whereby the beneficiary is normally the provider of goods and/or services and the Company essentially replaces the customer as the payee. The credit risk involved in issuing commercial letters of credit is essentially the same as the credit risk involved in extending loan facilities to customers, and they are subject to the same credit origination guidelines, portfolio maintenance and management procedures as other credit and off-balance sheet products. Typically, these agreements vary in terms and the total amounts do not necessarily represent future cash commitments. Commercial letters of credit totaled $15.7 million at September 30, 2011 and $16.3 million at December 31, 2010. As of September 30, 2011, the fair value of commercial letters of credit was not significant to the Company's consolidated financial statements.

- Definition

The entire disclosure for commitments and contingencies.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Interpretation (FIN)
-Number 14
-Paragraph 3
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 5
-Paragraph 9, 10, 11, 12
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.25)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 450
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6952336&loc=d3e14435-108349

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 460
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 440
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6394976&loc=d3e25287-109308

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6449706&loc=d3e16207-108621

+ Details

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases

9 Months Ended

Sep. 30, 2011

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases [Abstract]

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases

Note 5. Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases

Allowance for Loan and Lease Losses

The allowance for loan and lease losses is maintained at a level estimated by management to provide adequately for risk of probable losses inherent in the current loan and lease portfolio. The adequacy of the allowance for loan and lease losses is continuously monitored. It is assessed for adequacy using a methodology designed to ensure the level of the allowance reasonably reflects the loan and lease portfolio's risk profile. It is evaluated to ensure that it is sufficient to absorb all reasonably estimable credit losses inherent in the current loan and lease portfolio.

To develop and document a systematic methodology for determining the allowance for loan and lease losses, the Company has divided the loan portfolio into three portfolio segments, each with different risk characteristics and methodologies for assessing risk. Each portfolio segment is broken down into class segments where appropriate. Class segments contain unique measurement attributes, risk characteristics and methods for monitoring and assessing risk that are necessary to develop the allowance for loan and lease losses. Unique characteristics such as borrower type, loan type, collateral type, and risk characteristics define each class segment. The following table illustrates the portfolio and class segments for the Company's loan portfolio:

Portfolio	Class
Commercial Loans	Commercial
	Commercial Real Estate
	Agricultural
	Agricultural Real Estate
	Business Banking

Consumer Loans	Indirect
	Home Equity
	Direct

Residential Real Estate Mortgages

Commercial - The Company offers a variety of loan options to meet the specific needs of our commercial customers including term loans, time notes and lines of credit. Such loans are made available to businesses for working capital such as inventory and receivables, business expansion and equipment purchases. Generally, a collateral lien is placed on equipment or other assets owned by the borrower. These loans carry a higher risk than commercial real estate loans due to the nature of the underlying collateral, which can be business assets such as equipment and accounts receivable and is generally less liquid than real estate. To reduce the risk, management also attempts to secure real estate as collateral and obtain personal guarantees of the borrowers.

Commercial Real Estate - The Company offers commercial real estate loans to finance real estate purchases, refinancings, expansions and improvements to commercial properties. Commercial real estate loans are made to finance the purchases of real property which generally consists of real estate with completed structures. These commercial real estate loans are secured by first liens on the real estate, which may include apartments, commercial structures, housing businesses, healthcare facilities, and other non owner-occupied facilities. These loans are typically less risky than commercial loans, since they are secured by real estate and buildings. The Company's underwriting analysis includes credit verification, independent appraisals, a review of the borrower's financial condition, and a detailed analysis of the borrower's underlying cash flows. These loans are typically originated in amounts of no more than 80% of the appraised value of the property.

Agricultural - The Company offers a variety of agricultural loans to meet the needs of our agricultural customers including term loans, time notes, and lines of credit. These loans are made to purchase livestock, purchase and modernize equipment, and finance seasonal crop expenses. Generally, a collateral lien is placed on the livestock, equipment, produce inventories, and/or receivables owned by the borrower. These loans may carry a higher risk than commercial and agricultural real estate loans due to the industry price volatility, and in some cases, the perishable nature of the underlying collateral. To reduce these risks, management may attempt to secure these loans with additional real estate collateral, obtain personal guarantees of the borrowers, or obtain government loan guarantees to provide further support.

Agricultural Real Estate - The Company offers real estate loans to our agricultural customers to finance farm related real estate purchases, refinancings, expansions, and improvements to agricultural properties such as barns, production facilities, and land. The agricultural real estate loans are secured by first liens on the farm real estate. Because they are secured by land and buildings, these loans may be less risky than agricultural loans. The Company's underwriting analysis includes credit verification, independent appraisals, a review of the borrower's financial condition, and a detailed analysis of the borrower's underlying cash flows. These loans are typically originated in amounts of no more than 75% of the appraised value of the property. Government loan guarantees may be obtained to provide further support.

Business Banking - The Company offers a variety of loan options to meet the specific needs of our small business customers including term loans, small business mortgages and lines of credit. Such loans are generally less than $350 thousand and are made available to businesses for working capital such as inventory and receivables, business expansion, equipment purchases, and agricultural needs. Generally, a collateral lien is placed on equipment or other assets owned by the borrower such as inventory and/or receivables. These loans carry a higher risk than commercial loans due to the smaller size of the borrower and lower levels of capital. To reduce the risk, the Company obtains personal guarantees of the owners for a majority of the loans.

Indirect - The Company maintains relationships with many dealers primarily in the communities that we serve. Through these relationships, the company finances the purchases of automobiles and recreational vehicles (such as campers, boats, etc.) indirectly through dealer relationships. Approximately 70% of the indirect relationships represent automobile financing. Most of these loans carry a fixed rate of interest with principal repayment terms typically ranging from three to six years, based upon the nature of the collateral and the size of the loan. The majority of indirect consumer loans are underwritten on a secured basis using the underlying collateral being financed.

Home Equity - The Company offers fixed home equity loans as well as home equity lines of credit to consumers to finance home improvements, debt consolidation, education and other uses. Consumers are able to borrow up to 85% of the equity in their homes. The Company originates home equity lines of credit and second mortgage loans (loans secured by a second [junior] lien position on one-to-four-family residential real estate). These loans carry a higher risk than first mortgage residential loans as they are in a second position with respect to collateral. Risk is reduced through underwriting criteria, which include credit verification, appraisals, a review of the borrower's financial condition, and personal cash flows. A security interest, with title insurance when necessary, is taken in the underlying real estate.

Direct - The Company offers a variety of consumer installment loans to finance vehicle purchases, mobile home purchases and personal expenditures. Most of these loans carry a fixed rate of interest with principal repayment terms typically ranging from one to ten years, based upon the nature of the collateral and the size of the loan. The majority of consumer loans are underwritten on a secured basis using the underlying collateral being financed or a customer's deposit account. In addition to installment loans, the Company also offers personal lines of credit and overdraft protection. A minimal amount of loans are unsecured, which carry a higher risk of loss.

Residential Real Estate - Residential real estate loans consist primarily of loans secured by first or second deeds of trust on primary residences. We originate adjustable-rate and fixed-rate, one-to-four-family residential real estate loans for the construction, purchase or refinancing of a mortgage. These loans are collateralized by owner-occupied properties located in the Company's market area. When market conditions are favorable, for longer term, fixed-rate residential mortgages without escrow, the Company retains the servicing, but sells the right to receive principal and interest to Freddie Mac. This practice allows the Company to manage interest rate risk, liquidity risk, and credit risk. Loans on one-to-four-family residential real estate are generally originated in amounts of no more than 85% of the purchase price or appraised value (whichever is lower), or have private mortgage insurance. Mortgage title insurance and hazard insurance are normally required. Construction loans have a unique risk, because they are secured by an incomplete dwelling. This risk is reduced through periodic site inspections, including one at each loan draw period.

Allowance for Loan and Lease Loss Calculation

Management considers the accounting policy related to the allowance for loan and lease losses to be a critical accounting policy given the inherent uncertainty in evaluating the levels of the allowance required to cover credit losses in the portfolio and the material effect that such judgments can have on the consolidated results of operations.

For purposes of evaluating the adequacy of the allowance, the Company considers a number of significant factors that affect the collectibility of the portfolio. For individually analyzed loans, these include estimates of loss exposure, which reflect the facts and circumstances that affect the likelihood of repayment of such loans as of the evaluation date. For homogeneous pools of loans and leases, estimates of the Company's exposure to credit loss reflect a current assessment of a number of factors, which could affect collectibility. These factors include: past loss experience; size, trend, composition, and nature of loans; changes in lending policies and procedures, including underwriting standards and collection, charge-offs and recoveries; trends experienced in nonperforming and delinquent loans; current economic conditions in the Company's market; portfolio concentrations that may affect loss experienced across one or more components of the portfolio; the effect of external factors such as competition, legal and regulatory requirements; and the experience, ability, and depth of lending management and staff. In addition, various regulatory agencies, as an integral component of their examination process, periodically review the Company's allowance for loan and lease losses. Such agencies may require the Company to make loan grade changes as well as recognize additions to the allowance based on their examinations.

After a thorough consideration of the factors discussed above, any required additions or reductions to the allowance for loan and lease losses are made periodically by charges or credits to the provision for loan and lease losses. These charges or credits are necessary to maintain the allowance at a level which management believes is reasonably reflective of overall inherent risk of probable loss in the portfolio. While management uses available information to recognize losses on loans and leases, additions and reductions of the allowance may fluctuate from one reporting period to another. These fluctuations are reflective of changes in risk associated with portfolio content and/or changes in management's assessment of any or all of the determining factors discussed above. The following table illustrates the changes in the allowance for loan and lease losses by portfolio segment for the three and nine months ended September 30, 2011 and September 30, 2010:

Allowance for Loan and Lease Losses
(in thousands)

Three months ended September 30			Residential
	Commercial	Consumer	Real Estate
	Loans	Loans	Mortgages	Unallocated	Total
Balance as of June 30, 2011	$ 39,147	$ 25,718	$ 5,373	$ 246	$ 70,484
Charge-offs	(1,694)	(3,526)	(45)	-	(5,265)
Recoveries	367	571	2	-	940
Provision	1,073	3,533	588	(19)	5,175
Ending Balance as of September 30, 2011	$ 38,893	$ 26,296	$ 5,918	$ 227	$ 71,334

Balance as of June 30, 2010	$ 38,885	$ 27,832	$ 3,295	$ 288	$ 70,300
Charge-offs	(2,904)	(3,846)	(132)	-	(6,882)
Recoveries	348	572	8	-	928
Provision	4,517	2,359	611	42	7,529
Ending Balance as of September 30, 2010	$ 40,846	$ 26,917	$ 3,782	$ 330	$ 71,875


Nine months ended September 30			Residential
	Commercial	Consumer	Real Estate
	Loans	Loans	Mortgages	Unallocated	Total
Balance as of December 31, 2010	$ 40,101	$ 26,126	$ 4,627	$ 380	$ 71,234
Charge-offs	(7,153)	(10,420)	(558)	-	(18,131)
Recoveries	1,262	1,803	5	-	3,070
Provision	4,683	8,787	1,844	(153)	15,161
Ending Balance as of September 30, 2011	$ 38,893	$ 26,296	$ 5,918	$ 227	$ 71,334

Balance as of December 31, 2009	$ 36,598	$ 26,664	$ 3,002	$ 286	$ 66,550
Charge-offs	(9,040)	(11,776)	(655)	-	(21,471)
Recoveries	1,580	2,080	14	-	3,674
Provision	11,708	9,949	1,421	44	23,122
Ending Balance as of September 30, 2010	$ 40,846	$ 26,917	$ 3,782	$ 330	$ 71,875

The following tables illustrate the allowance for loan and lease losses and the recorded investment by portfolio segment as of September 30, 2011 and December 31, 2010:

Allowance for Loan and Lease Losses and Recorded Investment in Loans and Leases
(in thousands)

			Residential
	Commercial	Consumer	Real Estate
	Loans	Loans	Mortgages	Unallocated	Total
As of September 30, 2011
Allowance for loan and lease losses	$ 38,893	$ 26,296	$ 5,918	$ 227	$ 71,334

Allowance for loans and leases individually evaluated for impairment	$ 248	$ -	$ -		$ 248

Allowance for loans and leases collectively evaluated for impairment	$ 38,645	$ 26,296	$ 5,918	$ 227	$ 71,086


Ending balance of loans and leases	$ 1,647,734	$ 1,489,908	$ 570,448		$ 3,708,090

Ending balance of loans and leases individually evaluated for impairment	$ 7,207	$ -	$ -		$ 7,207

Ending balance of loans and leases collectively evaluated for impairment	$ 1,640,527	$ 1,489,908	$ 570,448		$ 3,700,883


As of December 31, 2010
Allowance for loan and lease losses	$ 40,101	$ 26,126	$ 4,627	$ 380	$ 71,234

Allowance for loans and leases individually evaluated for impairment	$ 2,211	$ -	$ -		$ 2,211

Allowance for loans and leases collectively evaluated for impairment	$ 37,890	$ 26,126	$ 4,627	$ 380	$ 69,023


Ending balance of loans and leases	$ 1,580,371	$ 1,481,241	$ 548,394		$ 3,610,006

Ending balance of loans and leases individually evaluated for impairment	$ 11,419	$ -	$ -		$ 11,419

Ending balance of loans and leases collectively evaluated for impairment	$ 1,568,952	$ 1,481,241	$ 548,394		$ 3,598,587

Credit Quality of Loans and Leases

Loans and leases are placed on nonaccrual status when timely collection of principal and interest in accordance with contractual terms is doubtful. Loans and leases are transferred to nonaccrual status generally when principal or interest payments become ninety days delinquent, unless the loan is well secured and in the process of collection, or sooner when management concludes or circumstances indicate that borrowers may be unable to meet contractual principal or interest payments. When a loan or lease is transferred to a nonaccrual status, all interest previously accrued in the current period but not collected is reversed against interest income in that period. Interest accrued in a prior period and not collected is charged-off against the allowance for loan and lease losses. The Company's nonaccrual policies are the same for all classes of financing receivable.

If ultimate repayment of a nonaccrual loan is expected, any payments received are applied in accordance with contractual terms. If ultimate repayment of principal is not expected, any payment received on a nonaccrual loan is applied to principal until ultimate repayment becomes expected. Nonaccrual loans are returned to accrual status when they become current as to principal and interest and demonstrate a period of performance under the contractual terms and, in the opinion of management, are fully collectible as to principal and interest. When in the opinion of management the collection of principal appears unlikely, the loan balance is charged-off in total or in part. For loans in all portfolios, the principal amount is charged off in full or in part as soon as management determines, based on available facts, that the collection of principal in full is improbable. For commercial loans, management considers specific facts and circumstances relative to individual credits in making such a determination. For consumer and residential loan classes, management uses specific guidance and thresholds from the Federal Financial Institutions Examination Council's Uniform Retail Credit Classification and Account Management Policy.

The following table illustrates the Company's nonaccrual loans by loan class:

Loans on Nonaccrual Status

(In thousands)		September 30, 2011	December 31, 2010
Commercial Loans
	Commercial	$ 2,044	$ 5,837
	Commercial Real Estate	5,324	5,687
	Agricultural	3,467	4,065
	Agricultural Real Estate	1,890	2,429
	Business Banking	7,728	7,033
		20,453	25,051

Consumer Loans
	Indirect	1,323	1,971
	Home Equity	8,352	6,395
	Direct	396	399
		10,071	8,765

Residential Real Estate Mortgages		9,228	8,651

Total Nonaccrual		$ 39,752	$ 42,467

The following tables set forth information with regard to past due and nonperforming loans by loan class as of September 30, 2011 and December 31, 2010:

Age Analysis of Past Due Financing Receivables
As of September 30, 2011
(in thousands)

				Greater Than				Recorded
		31-60 Days	61-90 Days	90 Days	Total			Total
		Past Due	Past Due	Past Due	Past Due			Loans and
		Accruing	Accruing	Accruing	Accruing	Non-Accrual	Current	Leases
Commercial
	Commercial	$ 169	$ 233	$ 44	$ 446	$ 2,044	$ 506,716	$ 509,206
	Commercial
	Real Estate	277	391	195	863	5,324	782,378	788,565
	Agricultural	64	13	-	77	3,467	61,050	64,594
	Agricultural
	Real Estate	-	-	-	-	1,890	31,116	33,006
	Business Banking	1,730	359	-	2,089	7,728	242,547	252,364
		2,240	996	239	3,475	20,453	1,623,806	1,647,734

Consumer
	Indirect	7,904	1,780	1,427	11,111	1,323	851,111	863,545
	Home Equity	4,249	887	1,050	6,186	8,352	538,387	552,925
	Direct	672	194	175	1,041	396	72,002	73,439
		12,825	2,861	2,652	18,338	10,071	1,461,499	1,489,908

Residential Real Estate Mortgages		1,349	250	1,634	3,233	9,228	557,987	570,448
		$ 16,414	$ 4,107	$ 4,525	$ 25,046	$ 39,752	$ 3,643,292	$3,708,090

Age Analysis of Past Due Loans
As of December 31, 2010
(in thousands)

					Greater Than					Recorded
		31-60 Days		61-90 Days	91 Days	Total				Total
		Past Due		Past Due	Past Due	Past Due				Loans and
		Accruing		Accruing	Accruing	Accruing	Non-Accrual	Current		Leases
Commercial
	Commercial		$ 136	$ 55	$ 94	$ 285	$ 5,837	$ 461,633		$ 467,755
	Commercial
	Real Estate		1,263	-	-	1,263	5,687	730,285		737,235
	Agricultural		63	92	-	155	4,065	63,336		67,556
	Agricultural
	Real Estate		108	-	-	108	2,429	33,400		35,937
	Business Banking		2,570	1,183	-	3,753	7,033	261,102		271,888
			4,140	1,330	94	5,564	25,051	1,549,756		1,580,371

Consumer
	Indirect		9,307	2,193	862	12,362	1,971	814,594		828,927
	Home Equity		5,740	1,756	396	7,892	6,395	561,391		575,678
	Direct		927	158	54	1,139	399	75,098		76,636
			15,974	4,107	1,312	21,393	8,765	1,451,083		1,481,241

Residential Real Estate Mortgages			3,002	126	919	4,047	8,651		535,696		548,394
		$ 23,116		$ 5,563	$ 2,325	$ 31,004	$ 42,467	$ 3,536,535		$ 3,610,006

There were no material commitments to extend further credit to borrowers with nonperforming loans. Within nonaccrual loans, there were approximately $4.6 million and $1.0 million of troubled debt restructured loans at September 30, 2011 and December 31, 2010, respectively.

Impaired loans, which primarily consist of nonaccruing commercial, commercial real estate, agricultural, agricultural real estate and business banking loans, as well as certain consumer loans that have been modified in a troubled debt restructuring were $23.7 million at September 30, 2011 and $25.4 million at December 31, 2010.

The methodology used to establish the allowance for loan and lease losses on impaired loans incorporates specific allocations on loans analyzed individually. Classified loans with outstanding balances of $500 thousand or more are evaluated for impairment through the Company's quarterly status review process. In determining that we will be unable to collect all principal and interest payments due in accordance with the contractual terms of the loan agreements, we consider factors such as payment history and changes in the financial condition of individual borrowers, local economic conditions, historical loss experience and the conditions of the various markets in which the collateral may be liquidated. For loans that are evaluated for impairment, impairment is measured by one of three methods: 1) the fair value of collateral less cost to sell, 2) present value of expected future cash flows or 3) the loan's observable market price. These impaired loans are reviewed on a quarterly basis for changes in the measurement of impairment. For impaired loans measured using the present value of expected cash flow method, any change to the previously recognized impairment loss is recognized as a change to the allowance account and recorded in the consolidated statement of income as a component of the provision for credit losses. At September 30, 2011, $0.5 million of the total impaired loans had a specific reserve allocation of $0.2 million compared to $5.7 million of impaired loans at December 31, 2010 which had a specific reserve allocation of $2.2 million.

The following table provides additional information on impaired loans and specific reserve allocations as of September 30, 2011 and December 31, 2010:

Impaired Loans
			September 30, 2011			December 31, 2010
			Recorded	Unpaid		Recorded	Unpaid
			Investment	Principal		Investment	Principal
			Balance	Balance	Related	Balance	Balance	Related
(in thousands)			(Book)	(Legal)	Allowance	(Book)	(Legal)	Allowance
With no related allowance recorded:
	Commercial Loans
		Commercial	$ 1,540	$ 3,465		$ 2,112	$ 2,459
		Commercial Real Estate	5,324	7,386		5,687	6,654
		Agricultural	3,444	4,277		2,394	2,865
		Agricultural Real Estate	1,890	2,093		1,701	1,883
		Business Banking	7,728	10,411		7,033	9,395
	Total Commercial Loans		19,926	27,632		18,927	23,256

	Consumer Loans
		Home Equity	2,188	2,273		-	-

	Residential Real Estate Mortgages		1,055	1,125		313	339
			23,169	31,030		19,240	23,595

With an allowance recorded:
	Commercial Loans
		Commercial	$ 504	$ 839	$ 225	$ 3,725	$ 4,762	$ 1,907
		Commercial Real Estate	-	-	-	-	-	-
		Agricultural	23	28	23	1,671	1,918	281
		Agricultural Real Estate	-	-	-	728	784	23
	Total Commercial Loans		527	867	248	6,124	7,464	2,211

Total:			$ 23,696	$ 31,897	$ 248	$ 25,364	$ 31,059	$ 2,211

The following table summarizes the average recorded investments on impaired loans and the interest income recognized for the three months ended September 30, 2011 and September 30, 2010:

			For the three months ended
			September 30, 2011			September 30, 2010
			Average	Interest Income		Average	Interest Income
			Recorded	Recognized		Recorded	Recognized
(in thousands)			Investment	Accrual	Cash	Investment	Accrual	Cash
With no related allowance recorded:
	Commercial Loans
		Commercial	$ 1,794	$ 3	$ 3	$ 2,119	$ 34	$ 34
		Commercial Real Estate	6,106	14	14	4,612	70	70
		Agricultural	3,516	59	59	3,233	17	17
		Agricultural Real Estate	1,874	34	34	1,538	66	66
		Business Banking	7,655	101	101	6,458	107	107
	Total Commercial Loans		20,945	211	211	17,960	294	294

	Consumer Loans
		Home Equity	2,312	26	26	-	-	-

	Residential Real Estate Mortgages		1,059	26	26	212	5	5
			$ 24,316	$ 263	$263	$ 18,172	$ 299	$299

With an allowance recorded:
	Commercial Loans
		Commercial	$ 520	$ 19	$ 19	$ 1,635	$ 69	$ 69
		Commercial Real Estate	-	-	-	721	-	-
		Agricultural	23	1	1	1,199	46	46
		Agricultural Real Estate	-	-	-	826	12	12
	Total Commercial Loans		$ 543	$ 20	$ 20	$ 4,381	$ 127	$127

Total:			$ 24,859	$ 283	$283	$ 22,553	$ 426	$426

The following table summarizes the average recorded investments on impaired loans and the interest income recognized for the nine months ended September 30, 2011 and September 30, 2010:

			For the nine months ended
			September 30, 2011			September 30, 2010
			Average	Interest Income		Average	Interest Income
			Recorded	Recognized		Recorded	Recognized
(in thousands)			Investment	Accrual	Cash	Investment	Accrual	Cash
With no related allowance recorded:
	Commercial Loans
		Commercial	$ 2,625	$ 76	$ 76	$ 1,915	$ 63	$ 63
		Commercial Real Estate	4,728	59	59	4,060	84	84
		Agricultural	2,903	104	104	2,754	45	45
		Agricultural Real Estate	1,622	72	72	2,053	130	130
		Business Banking	5,662	203	203	4,149	154	154
	Total Commercial Loans		17,540	514	514	14,931	476	476

	Consumer Loans
		Home Equity	1,851	84	84	-	-	-

	Residential Real Estate Mortgages		887	53	53	71	5	5
			$ 20,278	$ 651	$651	$ 15,002	$ 481	$481

With an allowance recorded:
	Commercial Loans
		Commercial	$ 991	$ 68	$ 68	$ 2,196	$ 70	$ 70
		Commercial Real Estate	382	-	-	1,645	-	-
		Agricultural	1,055	68	68	1,657	104	104
		Agricultural Real Estate	475	18	18	792	54	54
	Total Commercial Loans		$ 2,903	$ 154	$154	$ 6,290	$ 228	$228

Total:			$ 23,181	$ 805	$805	$ 21,292	$ 709	$709

There has been significant disruption and volatility in the financial and capital markets since the second half of 2008. Turmoil in the mortgage industry adversely impacted both domestic and global economies and led to a significant credit and liquidity crisis in many domestic markets. These conditions were attributable to a variety of factors, in particular the fallout associated with subprime mortgage loans (a type of lending we have never actively pursued). The disruption was exacerbated by the decline of the real estate and housing market. However, in the markets in which the Company does business, the disruption has been somewhat delayed and less significant than in the national market. For example, our real estate market has not suffered the extreme declines seen nationally and our unemployment rate, while notably higher than in prior periods, is still below the national average.

While we continue to adhere to prudent underwriting standards, as a lender we may be adversely impacted by general economic weaknesses and, in particular, a sharp downturn in the housing market nationally. Decreases in real estate values could adversely affect the value of property used as collateral for our loans. Adverse changes in the economy may have a negative effect on the ability of our borrowers to make timely loan payments, which would have an adverse impact on our earnings. An adverse impact on loan delinquencies would decrease our net interest income and adversely impact our loan loss experience, causing increases in our provision and allowance for loan and lease losses.

The Company has developed an internal loan grading system to evaluate and quantify the Bank's loan portfolio with respect to quality and risk. The system focuses on, among other things, financial strength of borrowers, experience and depth of borrower's management, primary and secondary sources of repayment, payment history, nature of the business, and outlook on particular industries. The internal grading system enables the Company to monitor the quality of the entire loan portfolio on a consistent basis and provide management with an early warning system, enabling recognition and response to problem loans and potential problem loans.

Commercial Grading System

For commercial and agricultural loans, the Company uses a grading system that relies on quantifiable and measurable characteristics when available. This would include comparison of financial strength to available industry averages, comparison of transaction factors (loan terms and conditions) to loan policy, and comparison of credit history to stated repayment terms and industry averages. Some grading factors are necessarily more subjective such as economic and industry factors, regulatory environment, and management. Classified commercial loans consist of loans graded substandard and below. All classified loans with outstanding balances of $500 thousand or more are evaluated individually for impairment through the quarterly review process. The grading system for commercial and agricultural loans is as follows:

Doubtful

A doubtful loan has a high probability of total or substantial loss, but because of specific pending events that may strengthen the asset, its classification as a loss is deferred. Doubtful borrowers are usually in default, lack adequate liquidity or capital, and lack the resources necessary to remain an operating entity. Pending events can include mergers, acquisitions, liquidations, capital injections, the perfection of liens on additional collateral, the valuation of collateral, and refinancing. Generally, pending events should be resolved within a relatively short period and the ratings will be adjusted based on the new information. Nonaccrual treatment is required for doubtful assets because of the high probability of loss.

Substandard

Substandard loans have a high probability of payment default, or they have other well-defined weaknesses. They require more intensive supervision by bank management. Substandard loans are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. For some Substandard loans, the likelihood of full collection of interest and principal may be in doubt and should be placed on nonaccrual. Although Substandard assets in the aggregate will have a distinct potential for loss, an individual asset's loss potential does not have to be distinct for the asset to be rated Substandard.

Special Mention

Special Mention loans have potential weaknesses that may, if not checked or corrected, weaken the asset or inadequately protect the Company's position at some future date. These loans pose elevated risk, but their weakness does not yet justify a Substandard classification. Borrowers may be experiencing adverse operating trends (declining revenues or margins) or may be struggling with an ill-proportioned balance sheet (e.g., increasing inventory without an increase in sales, high leverage, tight liquidity). Adverse economic or market conditions, such as interest rate increases or the entry of a new competitor, may also support a Special Mention rating. Although a Special Mention loan has a higher probability of default than a pass asset, its default is not imminent.

Pass

Loans graded as Pass encompass all loans not graded as Doubtful, Substandard, or Special Mention. Pass loans are in compliance with loan covenants, and payments are generally made as agreed. Pass loans range from superior quality to fair quality.

Business Banking Grading System

Business Banking loans are graded as either Classified or Non-classified:

Classified

Classified loans are inadequately protected by the current worth and paying capacity of the obligor or, if applicable, the collateral pledged. These loans have a well-defined weakness, or weaknesses, that jeopardize the liquidation of the debt, or in some cases make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. They are characterized by the distinct possibility that the Company will sustain some loss if the deficiencies are not corrected. Classified loans have a high probability of payment default, or a high probability of total or substantial loss. These loans require more intensive supervision by management and are generally characterized by current or expected unprofitable operations, inadequate debt service coverage, inadequate liquidity, or marginal capitalization. Repayment may depend on collateral or other credit risk mitigants. When the likelihood of full collection of interest and principal may be in doubt; classified loans are considered to have a nonaccrual status. In some cases, Classified loans are considered uncollectible and of such little value that their continuance as assets is not warranted.

Non-classified

Loans graded as Non-classified encompass all loans not graded as Classified. Non-classified loans are in compliance with loan covenants, and payments are generally made as agreed.

Consumer and Residential Mortgage Grading System

Consumer and Residential Mortgage loans are graded as either Performing or Nonperforming. Nonperforming loans are loans that are 1) over 90 days past due and interest is still accruing, 2) on nonaccrual status or 3) restructured. All loans not meeting any of these three criteria are considered Performing.

The following tables illustrate the Company's credit quality by loan class as of September 30, 2011 and December 31, 2010:

Credit Quality Indicators
As of September 30, 2011


Commercial Credit Exposure			Commercial		Agricultural
By Internally Assigned Grade:		Commercial	Real Estate	Agricultural	Real Estate	Total
	Pass	$ 472,797	$ 704,232	$ 55,156	$ 28,100	$ 1,260,285
	Special Mention	4,616	29,881	1,163	73	35,733
	Substandard	31,289	54,452	8,199	4,833	98,773
	Doubtful	504	-	76	-	580
Total		$ 509,206	$ 788,565	$ 64,594	$ 33,006	$ 1,395,371

Business Banking Credit Exposure
By Internally Assigned Grade:		Business Banking				Total
	Non-classified	$ 234,337				$ 234,337
	Classified	18,027				18,027
Total		$ 252,364				$ 252,364

Consumer Credit Exposure
By Payment Activity:		Indirect	Home Equity	Direct		Total
	Performing	$ 860,868	$ 543,596	$ 72,869		$ 1,477,332
	Nonperforming	2,677	9,329	570		12,576
Total		$ 863,545	$ 552,925	$ 73,439		$ 1,489,908

Residential Mortgage Credit Exposure		Residential
By Payment Activity:		Mortgage				Total
	Performing	$ 559,974				$ 559,974
	Nonperforming	10,474				10,474
Total		$ 570,448				$ 570,448

Credit Quality Indicators
As of December 31, 2010

Commercial Credit Exposure			Commercial		Agricultural
By Internally Assigned Grade:		Commercial	Real Estate	Agricultural	Real Estate	Total
	Pass	$ 441,834	$ 654,974	$ 61,195	$ 30,483	$1,188,486
	Special Mention	4,830	35,461	660	936	41,887
	Substandard	21,091	46,800	5,606	4,518	78,015
	Doubtful	-	-	95	-	95
Total		$ 467,755	$ 737,235	$ 67,556	$ 35,937	$1,308,483

Business Banking Credit Exposure
By Internally Assigned Grade:		Business Banking				Total
	Non-classified	$ 253,120				$ 253,120
	Classified	18,768				18,768
Total		$ 271,888				$ 271,888

Consumer Credit Exposure
By Payment Activity:		Indirect	Home Equity	Direct		Total
	Performing	$ 826,956	$ 569,283	$ 76,237		$1,472,476
	Nonperforming	1,971	6,395	399		8,765
Total		$ 828,927	$ 575,678	$ 76,636		$1,481,241

Residential Mortgage Credit Exposure		Residential
By Payment Activity:		Mortgage				Total
	Performing	$ 539,743				$ 539,743
	Nonperforming	8,651				8,651
Total		$ 548,394				$ 548,394

Modifications

The Company's loan portfolio includes certain loans that have been modified in a TDR, where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company's loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance or other actions. Certain TDRs are classified as nonperforming at the time of restructure and may only be returned to performing status after considering the borrower's sustained repayment performance for a reasonable period, generally six months.

When the Company modifies a loan, management evaluates any possible impairment based on the present value of the expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole (remaining) source of repayment for the loan is the operation or liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs, instead of discounted cash flows. If management determines that the value of the modified loan is less than the recorded investment in the loan (net of previous charge-offs, deferred loan fees or costs and unamortized premium or discount), impairment is recognized by segment or class of loan as applicable, through an allowance estimate or a charge-off to the allowance. Segment and class status is determined by the loan's classification at origination.

Modifications made during the three month period ending September 30, 2011 consisted of three commercial loans totaling $0.7 million. Modifications during the nine month period ending September 30, 2011 consisted of twenty-five home equity modifications totaling $2.4 million and four residential real estate mortgages totaling $0.8 million, in addition to the three aforementioned commercial loan modifications. For all such modifications, the pre and post outstanding recorded investment amount remained unchanged. During the three month period ending September 30, 2011 there were no subsequent defaults on previously modified loans. During the nine months ended September 30, 2011, there were six home equity loans classified as TDRs totaling $0.6 million and two residential real estate loans classified as TDRs totaling $0.4 million that subsequently defaulted on their renegotiated terms.

As a result of adopting the amendments in Accounting Standards Update ("ASU") No. 2011-02, "A Creditor's Determination of Whether a Restructuring Is a Troubled Debt Restructuring (Topic 310)", the Company reassessed all restructurings that occurred on or after the beginning of the current fiscal year (January 1, 2011) for identification as TDRs. The Company identified as TDRs certain receivables for which the allowance for credit losses had previously been measured under a general allowance for credit losses methodology. Upon identifying those receivables as TDRs, the Company identified them as impaired under the guidance in Section 310-10-35 and evaluated TDRs for impairment in accordance with the Company's methodology used to establish the allowance for loan and lease losses on impaired loans. The amendments in ASU No. 2011-02 require prospective application of the impairment measurement guidance in Section 310-10-35 for those receivables newly identified as impaired. Adoption of this amendment had no material impact on the Company's measured of impairment on these loans.

Earnings Per Share

9 Months Ended

Sep. 30, 2011

Earnings Per Share [Abstract]

Earnings Per Share

Note 6. Earnings Per Share

Basic earnings per share excludes dilution and is computed by dividing income available to common stockholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the entity (such as the Company's dilutive stock options and restricted stock units).

The following is a reconciliation of basic and diluted earnings per share for the periods presented in the consolidated statements of income.

Three months ended September 30,	2011	2010
(in thousands, except per share data)
Basic EPS:
Weighted average common shares outstanding	33,324	34,296
Net income available to common shareholders	15,217	14,570
Basic EPS	$0.46	$0.42
Diluted EPS:
Weighted average common shares outstanding	33,324	34,296
Dilutive effect of common stock options and restricted stock	243	217
Weighted average common shares and common
share equivalents	33,567	34,513
Net income available to common shareholders	15,217	14,570
Diluted EPS	$0.45	$0.42

Nine months ended September 30,	2011	2010
(in thousands, except per share data)
Basic EPS:
Weighted average common shares outstanding	33,897	34,271
Net income available to common shareholders	44,179	42,970
Basic EPS	$1.30	$1.25
Diluted EPS:
Weighted average common shares outstanding	33,897	34,271
Dilutive effect of common stock options and restricted stock	262	211
Weighted average common shares and common
share equivalents	34,159	34,482
Net income available to common shareholders	44,179	42,970
Diluted EPS	$1.29	$1.25

There were 1,651,159 stock options for the quarter ended September 30, 2011 and 1,476,461 stock options for the quarter ended September 30, 2010 that were not considered in the calculation of diluted earnings per share since the stock options' exercise price was greater than the average market price during these periods.

There were 1,239,021 stock options for the nine months ended September 30, 2011 and 1,433,276 stock options for the nine months ended September 30, 2010 that were not considered in the calculation of diluted earnings per share since the stock options' exercise price was greater than the average market price during these periods.

Employee Benefit Plans

9 Months Ended

Sep. 30, 2011

Employee Benefit Plans [Abstract]

Employee Benefit Plans

Note 7. Defined Benefit Postretirement Plans

The Company has a qualified, noncontributory, defined benefit pension plan covering substantially all of its employees at September 30, 2011. Benefits paid from the plan are based on age, years of service, compensation and social security benefits, and are determined in accordance with defined formulas. The Company's policy is to fund the pension plan in accordance with Employee Retirement Income Security Act ("ERISA") standards. Assets of the plan are invested in publicly traded stocks and bonds and mutual funds. Prior to January 1, 2000, the Company's plan was a traditional defined benefit plan based on final average compensation. On January 1, 2000, the plan was converted to a cash balance plan with grandfathering provisions for existing participants.

In addition to the pension plan, the Company also provides supplemental employee retirement plans to certain current and former executives. These supplemental employee retirement plans and the defined benefit pension plan are collectively referred to herein as "Pension Benefits."

Also, the Company provides certain health care benefits for retired employees. Benefits are accrued over the employees' active service period. Only employees that were employed by the Company on or before January 1, 2000 are eligible to receive postretirement health care benefits. The plan is contributory for participating retirees, requiring participants to absorb certain deductibles and coinsurance amounts with contributions adjusted annually to reflect cost sharing provisions and benefit limitations called for in the plan. Eligibility is contingent upon the direct transition from active employment status to retirement without any break in employment from the Company. Employees also must be participants in the Company's medical plan prior to their retirement. The Company funds the cost of postretirement health care as benefits are paid. The Company elected to recognize the transition obligation on a delayed basis over twenty years. These postretirement benefits are referred to herein as "Other Benefits."

The components of expense for Pension Benefits and Other Benefits are set forth below (in thousands):

	Pension Benefits		Other Benefits
	Three months ended September 30,		Three months ended September 30,
Components of net periodic benefit cost:	2011	2010	2011	2010
Service cost	$ 668	$ 749	$ 5	$ 2
Interest cost	874	966	57	65
Expected return on plan assets	(1,914)	(1,568)	-	-
Net amortization	408	273	9	15
Total cost (benefit)	$ 36	$ 420	$ 71	$ 82

	Pension Benefits		Other Benefits
	Nine months ended September 30,		Nine months ended September 30,
Components of net periodic benefit cost:	2011	2010	2011	2010
Service cost	$ 2,003	$ 1,674	$ 15	$ 12
Interest cost	2,621	2,710	171	171
Expected return on plan assets	(5,742)	(5,124)	-	-
Net amortization	1,221	1,076	27	(1)
Total cost (benefit)	$ 103	$ 336	$ 213	$ 182

The Company is not required to make contributions to the plans in 2011, and did not do so during the nine months ended September 30, 2011. The Company recorded approximately $0.3 million and $0.7 million, net of tax, as amortization of pension amounts previously recognized in Accumulated Other Comprehensive Income during the three and nine months ended September 30, 2011, respectively.

Market conditions can result in an unusually high degree of volatility and increase the risks and short term liquidity associated with certain investments held by the Company's defined benefit pension plan ("the Plan") which could impact the value of these investments.

- Definition

The entire disclosure for pension and other postretirement benefits.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph h
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph q
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 8
-Subparagraph m
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 106
-Paragraph 518
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 87
-Paragraph 264
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 03-2
-Paragraph 8
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Principles Board Opinion (APB)
-Number 30
-Paragraph 26
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS106-2
-Paragraph 20, 21, 22
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 158
-Paragraph 7, 21, 22
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5, 6, 7, 8
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Implementation Guide (Q and A)
-Number FAS88
-Paragraph 63
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-URI http://asc.fasb.org/topic&trid=2235017

+ Details

Trust Preferred Debentures

9 Months Ended

Sep. 30, 2011

Trust Preferred Debentures [Abstract]

Trust Preferred Debentures

Note 8. Trust Preferred Debentures

CNBF Capital Trust I is a Delaware statutory business trust formed in 1999, for the purpose of issuing $18 million in trust preferred securities and lending the proceeds to the Company. NBT Statutory Trust I is a Delaware statutory business trust formed in 2005, for the purpose of issuing $5 million in trust preferred securities and lending the proceeds to the Company. NBT Statutory Trust II is a Delaware statutory business trust formed in 2006, for the purpose of issuing $50 million in trust preferred securities and lending the proceeds to the Company to provide funding for the acquisition of CNB Bancorp, Inc. These three statutory business trusts are collectively referred herein to as "the Trusts." The Company guarantees, on a limited basis, payments of distributions on the trust preferred securities and payments on redemption of the trust preferred securities. The Trusts are variable interest entities ("VIEs") for which the Company is not the primary beneficiary, as defined by U.S. GAAP. In accordance with U.S. GAAP, the accounts of the Trusts are not included in the Company's consolidated financial statements. On January 1, 2010, the Company adopted ASU 2009-17, Consolidations: Improvements to Financial Reporting by Enterprises Involved with Variable Interest Entities ("Topic 810"), which had no impact on the Company's financial statements.

As of September 30, 2011, the Trusts had the following issues of trust preferred debentures, all held by the Trusts, outstanding (dollars in thousands):

Description	Issuance Date	Trust Preferred Securities Outstanding	Interest Rate	Trust Preferred Debt Owed To Trust	Final Maturity date
CNBF Capital Trust I	June 1999	18,000	3-month LIBOR plus 2.75%	$18,720	August 2029

NBT Statutory Trust I	November 2005	5,000	3-month LIBOR plus 1.40%	5,155	December 2035

NBT Statutory Trust II	February 2006	50,000	3-month LIBOR plus 1.40%	51,547	March 2036

The Company owns all of the common stock of the Trusts, which have issued trust preferred securities in conjunction with the Company issuing trust preferred debentures to the Trusts. The terms of the trust preferred debentures are substantially the same as the terms of the trust preferred securities.

Fair Values of Financial Instruments

9 Months Ended

Sep. 30, 2011

Fair Values of Financial Instruments [Abstract]

Fair Values of Financial Instruments

Note 9. Fair Value Measurements and Fair Value of Financial Instruments

U.S. GAAP states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Fair value measurements are not adjusted for transaction costs. A fair value hierarchy exists within U.S. GAAP that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (level 1 measurements) and the lowest priority to unobservable inputs (level 3 measurements). The three levels of the fair value hierarchy are described below:

Level 1 - Unadjusted quoted prices in active markets that are accessible at the measurement date for identical, unrestricted assets or liabilities;

Level 2 - Quoted prices for similar assets or liabilities in active markets, quoted prices in markets that are not active, or inputs that are observable, either directly or indirectly, for substantially the full term of the asset or liability;

Level 3 - Prices or valuation techniques that require inputs that are both significant to the fair value measurement and unobservable (i.e., supported by little or no market activity).

A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.

The types of instruments valued based on quoted market prices in active markets include most U.S. government and agency securities, many other sovereign government obligations, liquid mortgage products, active listed equities and most money market securities. Such instruments are generally classified within level 1 or level 2 of the fair value hierarchy. The Company does not adjust the quoted price for such instruments.

The types of instruments valued based on quoted prices in markets that are not active, broker or dealer quotations, or alternative pricing sources with reasonable levels of price transparency include most investment-grade and high-yield corporate bonds, less liquid mortgage products, less liquid agency securities, less liquid listed equities, state, municipal and provincial obligations, and certain physical commodities. Such instruments are generally classified within level 2 of the fair value hierarchy.

Level 3 is for positions that are not traded in active markets or are subject to transfer restrictions, valuations are adjusted to reflect illiquidity and/or non-transferability, and such adjustments are generally based on available market evidence. In the absence of such evidence, management's best estimate will be used. Management's best estimate consists of both internal and external support on certain Level 3 investments. Subsequent to inception, management only changes level 3 inputs and assumptions when corroborated by evidence such as transactions in similar instruments, completed or pending third-party transactions in the underlying investment or comparable entities, subsequent rounds of financing, recapitalizations and other transactions across the capital structure, offerings in the equity or debt markets, and changes in financial ratios or cash flows.

For the nine months ended September 30, 2011, the Company has made no transfers of assets between Level 1 and Level 2, and has had no Level 3 activity.

The following tables set forth the Company's financial assets and liabilities measured on a recurring basis that were accounted for at fair value. Assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement (in thousands):

			Quoted Prices in	Significant	Significant
			Active Markets for	Other	Unobservable	Balance
			Identical Assets	Observable Inputs	Inputs	as of
		September 30, 2011:	(Level 1)	(Level 2)	(Level 3)	September 30, 2011
Assets:
	Securities Available for Sale:
		U.S. Treasury	82,342	-	-	82,342
		Federal Agency	-	220,649	-	220,649
		State & municipal	-	107,762	-	107,762
		Mortgage-backed	-	323,429	-	323,429
		Collateralized mortgage obligations	-	404,928	-	404,928
		Corporate	-	20,097	-	20,097
		Other securities	8,283	2,062	-	10,345
	Total Securities Available for Sale		$ 90,625	$ 1,078,927	$ -	$ 1,169,552

	Trading Securities		2,965	-	-	2,965
Total			$ 93,590	$ 1,078,927	$ -	$ 1,172,517

			Quoted Prices in	Significant	Significant
			Active Markets for	Other	Unobservable	Balance
			Identical Assets	Observable Inputs	Inputs	as of
		December 31, 2010:	(Level 1)	(Level 2)	(Level 3)	December 31, 2010
Assets:
	Securities Available for Sale:
		U.S. Treasury	$ 91,280	$ -	$ -	$ 91,280
		Federal Agency	-	349,750	-	349,750
		State & municipal	-	114,937	-	114,937
		Mortgage-backed	-	244,808	-	244,808
		Collateralized mortgage obligations	-	297,888	-	297,888
		Corporate	-	20,489	-	20,489
		Other securities	8,190	2,026	-	10,216
	Total Securities Available for Sale		$ 99,470	$ 1,029,898	$ -	$ 1,129,368

	Trading Securities		2,808	-	-	2,808
Total			$ 102,278	$ 1,029,898	$ -	$ 1,132,176

Certain common equity securities are reported at fair value utilizing Level 1 inputs (exchange quoted prices). The majority of the other investment securities are reported at fair value utilizing Level 2 inputs. The prices for these instruments are obtained through an independent pricing service or dealer market participants with whom the Company has historically transacted both purchases and sales of investment securities. Prices obtained from these sources include prices derived from market quotations and matrix pricing. The fair value measurements consider observable data that may include dealer quotes, market spreads, cash flows, the U.S. Treasury yield curve, live trading levels, trade execution data, market consensus prepayment speeds, credit information and the bond's terms and conditions, among other things. Management reviews the methodologies used in pricing the securities by its third party providers.

U.S. GAAP requires disclosure of assets and liabilities measured and recorded at fair value on a nonrecurring basis such as goodwill, loans held for sale, other real estate owned, lease residuals, collateral-dependent impaired loans, mortgage servicing rights, and held-to-maturity securities. The only nonrecurring fair value measurement recorded during the nine month period ended September 30, 2011 was related to impaired loans. During the nine month period ended September 30, 2011, the Company did not establish additional specific reserves on impaired loans. The Company uses the fair value of underlying collateral, less costs to sell, to estimate the specific reserves for collateral dependent impaired loans. Based on the valuation techniques used, the fair value measurements for collateral dependent impaired loans are classified as Level 3.

The following table sets forth information with regard to estimated fair values of financial instruments at September 30, 2011 and December 31, 2010:

	September 30, 2011		December 31, 2010
(In thousands)	Carrying amount	Estimated fair value	Carrying amount	Estimated fair value
Financial assets
Cash and cash equivalents	$ 191,945	$ 191,945	$ 168,792	$ 168,792
Securities available for sale	1,169,552	1,169,552	1,129,368	1,129,368
Securities held to maturity	72,959	74,448	97,310	98,759
Trading securities	2,965	2,965	2,808	2,808
Loans (1)	3,708,090	3,733,216	3,610,006	3,626,603
Less allowance for loan losses	71,334	-	71,234	-
Net loans	3,636,756	3,733,216	3,538,772	3,626,603
Accrued interest receivable	17,336	17,336	19,130	19,130
Financial liabilities
Savings, NOW, and money market	$ 2,365,359	$ 2,365,359	$ 2,291,833	$ 2,291,833
Time deposits	871,152	881,194	930,778	943,988
Noninterest bearing	1,028,553	1,028,553	911,741	911,741
Short-term borrowings	158,285	158,285	159,434	159,434
Long-term debt	370,347	430,745	369,874	423,350
Accrued interest payable	3,904	3,904	4,356	4,356
Trust preferred debentures	75,422	75,422	75,422	71,148

1. Lease receivables, although excluded from the scope of ASC 825-10-50-10, are included in the estimated fair value
amounts at their carrying amounts.

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. 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 estimates are based on existing on and off balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. For example, the Company has a substantial trust and investment management operation that contributes net fee income annually. The trust and investment management operation is not considered a financial instrument, and its value has not been incorporated into the fair value estimates. Other significant assets and liabilities include the benefits resulting from the low-cost funding of deposit liabilities as compared to the cost of borrowing funds in the market, and premises and equipment. In addition, the tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in the estimate of fair value.

- Definition

The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 133
-Paragraph 44A, 44B
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15C, 15D
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15A
-Subparagraph a-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15B
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 3, 10, 14, 15
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32, 33, 34
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
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+ Details

Securities

9 Months Ended

Sep. 30, 2011

Securities [Abstract]

Securities

Note 10. Securities

The amortized cost, estimated fair value, and unrealized gains and losses of securities available for sale are as follows:

(In thousands)	Amortized cost		Unrealized gains		Unrealized losses		Estimated fair value
September 30, 2011
U.S. Treasury	$	81,088	$	1,254	$	-	$	82,342
Federal Agency		219,800		940		91		220,649
State & municipal		103,281		4,610		129		107,762
Mortgage-backed		307,996		15,433		-		323,429
Collateralized mortgage obligations		396,763		8,203		38		404,928
Corporate		20,000		97		-		20,097
Other securities		8,926		1,654		235		10,345
Total securities available for sale	$	1,137,854	$	32,191	$	493	$	1,169,552
December 31, 2010
U.S. Treasury	$	91,338	$	424	$	482	$	91,280
Federal Agency		350,641		1,905		2,796		349,750
State & municipal		113,821		1,771		655		114,937
Mortgage-backed		233,861		11,666		719		244,808
Collateralized mortgage obligations		293,565		6,574		2,251		297,888
Corporate		20,005		484		-		20,489
Other securities		8,059		2,162		5		10,216
Total securities available for sale	$	1,111,290	$	24,986	$	6,908	$	1,129,368

In the available for sale category at September 30, 2011, federal agency securities were comprised of Government-Sponsored Enterprise (GSE) securities; mortgaged-backed securities were comprised of GSE securities with an amortized cost of $286.5 million and a fair value of $300.0 million and US Government Agency securities with an amortized cost of $21.5 million and a fair value of $23.5 million; collateralized mortgage obligations were comprised of GSE securities with an amortized cost of $329.4 million and a fair value of $334.8 million and US Government Agency securities with an amortized cost of $67.4 million and a fair value of $70.1 million.

In the available for sale category at December 31, 2010, federal agency securities were comprised of GSE securities; mortgaged-backed securities were comprised of GSE securities with an amortized cost of $208.9 million and a fair value of $217.9 million and US Government Agency securities with an amortized cost of $25.0 million and a fair value of $26.9 million; collateralized mortgage obligations were comprised of GSE securities with an amortized cost of $206.0 million and a fair value of $207.0 million and US Government Agency securities with an amortized cost of $87.6 million and a fair value of $90.8 million.

Others securities primarily represent marketable equity securities.

Proceeds from the sales of securities available for sale were nominal during the nine months ended September 30, 2011, and gains on the sales were negligible. Proceeds from the sales of securities available for sale totaled $5.4 million during the nine month period ending September 30, 2010. Gains on these sales totaled $1.2 million for the nine months ended September 30, 2010

Securities available for sale with amortized costs totaling $1.2 billion at September 30, 2011 and $0.9 billion at December 31, 2010, were pledged to secure public deposits and for other purposes required or permitted by law. Additionally, at September 30, 2011 and December 31, 2010, securities available for sale with an amortized cost of $208.4 million and $187.7 million, respectively, were pledged as collateral for securities sold under repurchase agreements

The amortized cost, estimated fair value, and unrealized gains and losses of securities held to maturity are as follows:

	Amortized		Unrealized		Unrealized		Estimated
(In thousands)	cost		gains		losses		fair value
September 30, 2011
Mortgage-backed	$	1,520	$	206	$	-	$	1,726
State & municipal		71,439		1,283		-		72,722
Total securities held to maturity	$	72,959	$	1,489	$	-	$	74,448
December 31, 2010
Mortgage-backed	$	1,719	$	200	$	-	$	1,919
State & municipal		95,591		1,249		-		96,840
Total securities held to maturity	$	97,310	$	1,449	$	-	$	98,759

The following table sets forth information with regard to investment securities with unrealized losses at September 30, 2011 and December 31, 2010:

	Less than 12 months							12 months or longer							Total
Security Type:	Fair Value		Unrealized losses			Number of Positions		Fair Value		Unrealized losses			Number of Positions		Fair Value		Unrealized losses			Number of Positions

September 30, 2011
U.S. Treasury	$	-	$	-			-	$	-	$	-			-	$	-	$	-			-
Federal agency		19,909		(91	)		2		-		-			-		19,909		(91	)		2
State & municipal		1,145		(10	)		3		5,819		(119	)		15		6,964		(129	)		18
Mortgage-backed		-		-			-		-		-			-		-		-			-
Collateralized mortgage obligations		19,487		(38	)		1		-		-			-		19,487		(38	)		1
Other securities		2,012		(235	)		5		-		-			-		2,012		(235	)		5
Total securities with unrealized losses	$	42,553	$	(374	)		11	$	5,819	$	(119	)		15	$	48,372	$	(493	)		26

December 31, 2010
U.S. Treasury	$	40,741	$	(482	)		4	$	-	$	-			-	$	40,741	$	(482	)		4
Federal agency		147,012		(2,796	)		12		-		-			-		147,012		(2,796	)		12
State & municipal		22,273		(317	)		31		7,533		(338	)		19		29,806		(655	)		50
Mortgage-backed		44,340		(719	)		3		-		-			-		44,340		(719	)		3
Collateralized mortgage obligations		72,595		(2,251	)		3		-		-			-		72,595		(2,251	)		3
Other securities		95		(5	)		1		-		-			-		95		(5	)		1
Total securities with unrealized losses	$	327,056	$	(6,570	)		54	$	7,533	$	(338	)		19	$	334,589	$	(6,908	)		73

Declines in the fair value of held-to-maturity and available-for-sale securities below their cost that are deemed to be other than temporary are reflected in earnings as realized losses or in other comprehensive income, depending on whether the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss. If the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment shall be recognized in earnings equal to the entire difference between the investment’s amortized cost basis and its fair value at the balance sheet date. If the Company does not intend to sell the security and it is not more likely than not that the entity will be required to sell the security before recovery of its amortized cost basis less any current-period credit loss, the other-than-temporary impairment shall be separated into (a) the amount representing the credit loss and (b) the amount related to all other factors. The amount of the total other-than-temporary impairment related to the credit loss shall be recognized in earnings. The amount of the total other-than-temporary impairment related to other factors shall be recognized in other comprehensive income, net of applicable taxes.

In estimating other-than-temporary impairment losses, management considers, among other things, (i) the length of time and the extent to which the fair value has been less than cost, (ii) the financial condition and near-term prospects of the issuer, and (iii) the historical and implied volatility of the fair value of the security.

Management has the intent to hold the securities classified as held to maturity until they mature, at which time it is believed the Company will receive full value for the securities. Furthermore, as of September 30, 2011, management also had the intent to hold, and will not be required to sell, the securities classified as available for sale for a period of time sufficient for a recovery of cost, which may be until maturity. The unrealized losses are due to increases in market interest rates over the yields available at the time the underlying securities were purchased. When necessary, the Company has performed a discounted cash flow analysis to determine whether or not it will receive the contractual principal and interest on certain securities. The fair value is expected to recover as the bonds approach their maturity date or repricing date or if market yields for such investments decline. As of September 30, 2011, management believes the impairments detailed in the table above are temporary and no other-than-temporary impairment losses have been realized in the Company’s consolidated statements of income.

The following tables set forth information with regard to contractual maturities of debt securities at September 30, 2011:

(In thousands)	Amortized cost		Estimated fair value
Debt securities classified as available for sale
Within one year	$	43,783	$	43,991
From one to five years		279,220		281,774
From five to ten years		250,065		260,303
After ten years		555,860		573,139
	$	1,128,928	$	1,159,207
Debt securities classified as held to maturity
Within one year	$	26,115	$	26,163
From one to five years		35,194		36,284
From five to ten years		8,035		8,179
After ten years		3,615		3,822
	$	72,959	$	74,448

Maturities of mortgage-backed, collateralized mortgage obligations and asset-backed securities are stated based on their estimated average lives. Actual maturities may differ from estimated average lives or contractual maturities because, in certain cases, borrowers have the right to call or prepay obligations with or without call or prepayment penalties.

Except for U.S. Government related securities, there were no holdings, when taken in the aggregate, of any single issuer that exceeded 10% of consolidated stockholders’ equity at September 30, 2011

- Definition

Tabular disclosure of investments in certain debt and equity securities (and certain other trading assets) which include all debt and equity securities (other than those equity securities accounted for under the equity or cost methods of accounting) with readily determinable fair values. Other trading assets include assets that are carried on the balance sheet at fair value and held for trading purposes. A debt security represents a creditor relationship with an enterprise that is in the form of a security. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities (and other trading assets).

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 3, 19, 20, 21, 22, 137
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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+ Details

Use of Estimates (Policies)	9 Months Ended
Use of Estimates (Policies)	Sep. 30, 2011
Use of Estimates [Abstract]
Use of Estimates	Preparing financial statements in conformity with accounting principles generally accepted in the United States of America (U.S. GAAP) requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenue and expenses during the reporting period, as well as the disclosures provided. Actual results could differ from those estimates. Estimates associated with the allowance for loan and lease losses, other real estate owned ("OREO"), income taxes, pension expense, fair values of financial instruments and status of contingencies are particularly susceptible to material change in the near term. The allowance for loan and lease losses is the amount which, in the opinion of management, is necessary to absorb probable losses inherent in the loan and lease portfolio. The allowance is determined based upon numerous considerations, including local and national economic conditions, the growth and composition of the loan portfolio with respect to the mix between the various types of loans and their related risk characteristics, a review of the value of collateral supporting the loans, comprehensive reviews of the loan portfolio by the independent loan review staff and management, as well as consideration of volume and trends of delinquencies, nonperforming loans, and loan charge-offs. As a result of the review of these factors and historical and current indicators, required additions or reductions to the allowance for loan and lease losses are made periodically by charges or credits to the provision for loan and lease losses. The allowance for loan and lease losses related to impaired loans is based on discounted cash flows using the loan's initial effective interest rate or the fair value of the collateral for certain loans where repayment of the loan is expected to be provided solely by the underlying collateral (collateral dependent loans). The Company's impaired loans are generally collateral dependent loans. The Company considers the estimated cost to sell, on a discounted basis, when determining the fair value of collateral in the measurement of impairment if those costs are expected to reduce the cash flows available to repay or otherwise satisfy the loans. Management believes that the allowance for loan and lease losses is adequate. While management uses available information to recognize loan and lease losses, future additions or reductions to the allowance for loan and lease losses may be necessary based on changes in economic conditions or changes in the values of properties securing loans in the process of foreclosure. In addition, various regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan and lease losses. Such agencies may require the Company to recognize additions to the allowance for loan and lease losses based on their judgments about information available to them at the time of their examination which may not be currently available to management. In determining that we will be unable to collect all principal and interest payments due in accordance with the contractual terms of the loan agreements, we consider factors such as payment history and changes in the financial condition of individual borrowers, local economic conditions, historical loss experience and the conditions of the various markets in which the collateral may be liquidated. OREO consists of properties acquired through foreclosure or by acceptance of a deed in lieu of foreclosure. These assets are recorded at the lower of fair value of the asset acquired less estimated costs to sell or "cost" (cost is defined as the fair value less costs to sell at initial foreclosure). At the time of foreclosure, or when foreclosure occurs in-substance, the excess, if any, of the loan over the fair value of the assets received, less estimated selling costs, is charged to the allowance for loan and lease losses and any subsequent valuation write-downs are charged to other expense. Operating costs associated with the properties are charged to expense as incurred. Gains on the sale of OREO are included in income when title has passed and the sale has met the minimum down payment requirements prescribed by U.S. GAAP. Income taxes are accounted for under the asset and liability method. The Company files consolidated tax returns on the accrual basis. Deferred income taxes are recognized for the future tax consequences and benefits attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the available carryback period. A valuation allowance is provided when it is more likely than not that some portion of the deferred tax asset will not be realized. Based on available carrybacks and expected future income, gross deferred tax assets will ultimately be realized and a valuation allowance was not deemed necessary at September 30, 2011 or December 31, 2010. The effect of a change in tax rates on deferred taxes is recognized in income in the period that includes the enactment date. Uncertain tax positions are recognized only when it is more likely than not (likelihood of greater than 50%), based on technical merits, that the position would be sustained upon examination by taxing authorities. Tax positions that meet the more than likely than not threshold are measured using a probability-weighted approach as the largest amount of tax benefit that is greater than 50% likely of being realized upon settlement. Management is required to make various assumptions in valuing its pension assets and liabilities. These assumptions include the expected long-term rate of return on plan assets, the discount rate, and the rate of increase in future compensation levels. Changes to these assumptions could impact earnings in future periods. The Company takes into account the plan asset mix, funding obligations, and expert opinions in determining the various assumptions used to compute pension expense. The Company also considers relevant indices and market interest rates in selecting an appropriate discount rate. A cash flow analysis for expected benefit payments from the plan is performed each year to assist in selecting the discount rate. In addition, the Company reviews expected inflationary and merit increases to compensation in determining the expected rate of increase in future compensation levels. Management is required to make various assumptions in determining the fair values of financial instruments. Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. 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. Management is required to make various assumptions in determining the credit risk involved in issuing contingent obligations such as standby letters of credit, commercial letters of credit, and other lines of credit. Since commitments to extend credit and unused lines of credit may expire without being fully drawn upon, this amount does not necessarily represent future cash commitments. Based on historical experience and economic factors, the Company makes estimates of future cash commitments from these contingent obligations to determine their fair value and establish an allowance if necessary.
Income Tax Uncertainties Policy	Income taxes are accounted for under the asset and liability method. The Company files consolidated tax returns on the accrual basis. Deferred income taxes are recognized for the future tax consequences and benefits attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. Realization of deferred tax assets is dependent upon the generation of future taxable income or the existence of sufficient taxable income within the available carryback period. A valuation allowance is provided when it is more likely than not that some portion of the deferred tax asset will not be realized. Based on available carrybacks and expected future income, gross deferred tax assets will ultimately be realized and a valuation allowance was not deemed necessary at September 30, 2011 or December 31, 2010. The effect of a change in tax rates on deferred taxes is recognized in income in the period that includes the enactment date. Uncertain tax positions are recognized only when it is more likely than not (likelihood of greater than 50%), based on technical merits, that the position would be sustained upon examination by taxing authorities. Tax positions that meet the more than likely than not threshold are measured using a probability-weighted approach as the largest amount of tax benefit that is greater than 50% likely of being realized upon settlement.
Pension Plans Policy	Management is required to make various assumptions in valuing its pension assets and liabilities. These assumptions include the expected long-term rate of return on plan assets, the discount rate, and the rate of increase in future compensation levels. Changes to these assumptions could impact earnings in future periods. The Company takes into account the plan asset mix, funding obligations, and expert opinions in determining the various assumptions used to compute pension expense. The Company also considers relevant indices and market interest rates in selecting an appropriate discount rate. A cash flow analysis for expected benefit payments from the plan is performed each year to assist in selecting the discount rate. In addition, the Company reviews expected inflationary and merit increases to compensation in determining the expected rate of increase in future compensation levels.

- Definition

Disclosure of accounting policy for tax positions taken in the Company's tax return filed or to be filed for which it is more likely than not that the tax position will not be sustained upon examination by taxing authorities (i.e., uncertain tax positions) and other types of contingencies related to income taxes.

+ References + Details

- Definition

Disclosure of accounting policy for pension and other postretirement benefit plans. This accounting policy may address (1) the types of plans sponsored by the entity, and the benefits provided by each plan (2) groups that participate in (or are covered by) each plan (3) how plan assets, liabilities and expenses are measured, including the use of any actuaries and (4) significant assumptions used by the entity to value plan assets and liabilities and how such assumptions are derived.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 106
-Paragraph 19, 20, 21, 22
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5, 6, 7, 9, 11, 12, 13
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 158
-Paragraph 4, 5, 6, 7
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 87
-Paragraph 15-19, 63, 64
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph h
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph q
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 8
-Subparagraph m
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 70
-URI http://asc.fasb.org/subtopic&trid=2235116

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 60
-URI http://asc.fasb.org/subtopic&trid=2235172

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 80
-URI http://asc.fasb.org/subtopic&trid=2235144

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 30
-URI http://asc.fasb.org/subtopic&trid=2235074

+ Details

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases (Tables)

9 Months Ended

Sep. 30, 2011

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases [Abstract]

Allowance for loan and lease losses by portfolio

Allowance for Loan and Lease Losses
(in thousands)

Three months ended September 30			Residential
	Commercial	Consumer	Real Estate
	Loans	Loans	Mortgages	Unallocated	Total
Balance as of June 30, 2011	$ 39,147	$ 25,718	$ 5,373	$ 246	$ 70,484
Charge-offs	(1,694)	(3,526)	(45)	-	(5,265)
Recoveries	367	571	2	-	940
Provision	1,073	3,533	588	(19)	5,175
Ending Balance as of September 30, 2011	$ 38,893	$ 26,296	$ 5,918	$ 227	$ 71,334

Balance as of June 30, 2010	$ 38,885	$ 27,832	$ 3,295	$ 288	$ 70,300
Charge-offs	(2,904)	(3,846)	(132)	-	(6,882)
Recoveries	348	572	8	-	928
Provision	4,517	2,359	611	42	7,529
Ending Balance as of September 30, 2010	$ 40,846	$ 26,917	$ 3,782	$ 330	$ 71,875


Nine months ended September 30			Residential
	Commercial	Consumer	Real Estate
	Loans	Loans	Mortgages	Unallocated	Total
Balance as of December 31, 2010	$ 40,101	$ 26,126	$ 4,627	$ 380	$ 71,234
Charge-offs	(7,153)	(10,420)	(558)	-	(18,131)
Recoveries	1,262	1,803	5	-	3,070
Provision	4,683	8,787	1,844	(153)	15,161
Ending Balance as of September 30, 2011	$ 38,893	$ 26,296	$ 5,918	$ 227	$ 71,334

Balance as of December 31, 2009	$ 36,598	$ 26,664	$ 3,002	$ 286	$ 66,550
Charge-offs	(9,040)	(11,776)	(655)	-	(21,471)
Recoveries	1,580	2,080	14	-	3,674
Provision	11,708	9,949	1,421	44	23,122
Ending Balance as of September 30, 2010	$ 40,846	$ 26,917	$ 3,782	$ 330	$ 71,875

The following tables illustrate the allowance for loan and lease losses and the recorded investment by portfolio segment as of September 30, 2011 and December 31, 2010:

Allowance for Loan and Lease Losses and Recorded Investment in Loans and Leases
(in thousands)

			Residential
	Commercial	Consumer	Real Estate
	Loans	Loans	Mortgages	Unallocated	Total
As of September 30, 2011
Allowance for loan and lease losses	$ 38,893	$ 26,296	$ 5,918	$ 227	$ 71,334

Allowance for loans and leases individually evaluated for impairment	$ 248	$ -	$ -		$ 248

Allowance for loans and leases collectively evaluated for impairment	$ 38,645	$ 26,296	$ 5,918	$ 227	$ 71,086


Ending balance of loans and leases	$ 1,647,734	$ 1,489,908	$ 570,448		$ 3,708,090

Ending balance of loans and leases individually evaluated for impairment	$ 7,207	$ -	$ -		$ 7,207

Ending balance of loans and leases collectively evaluated for impairment	$ 1,640,527	$ 1,489,908	$ 570,448		$ 3,700,883


As of December 31, 2010
Allowance for loan and lease losses	$ 40,101	$ 26,126	$ 4,627	$ 380	$ 71,234

Allowance for loans and leases individually evaluated for impairment	$ 2,211	$ -	$ -		$ 2,211

Allowance for loans and leases collectively evaluated for impairment	$ 37,890	$ 26,126	$ 4,627	$ 380	$ 69,023


Ending balance of loans and leases	$ 1,580,371	$ 1,481,241	$ 548,394		$ 3,610,006

Ending balance of loans and leases individually evaluated for impairment	$ 11,419	$ -	$ -		$ 11,419

Ending balance of loans and leases collectively evaluated for impairment	$ 1,568,952	$ 1,481,241	$ 548,394		$ 3,598,587

Past Due Financing Receivables

The following table illustrates the Company's nonaccrual loans by loan class:

Loans on Nonaccrual Status

(In thousands)		September 30, 2011	December 31, 2010
Commercial Loans
	Commercial	$ 2,044	$ 5,837
	Commercial Real Estate	5,324	5,687
	Agricultural	3,467	4,065
	Agricultural Real Estate	1,890	2,429
	Business Banking	7,728	7,033
		20,453	25,051

Consumer Loans
	Indirect	1,323	1,971
	Home Equity	8,352	6,395
	Direct	396	399
		10,071	8,765

Residential Real Estate Mortgages		9,228	8,651

Total Nonaccrual		$ 39,752	$ 42,467

The following tables set forth information with regard to past due and nonperforming loans by loan class as of September 30, 2011 and December 31, 2010:

Age Analysis of Past Due Financing Receivables
As of September 30, 2011
(in thousands)

				Greater Than				Recorded
		31-60 Days	61-90 Days	90 Days	Total			Total
		Past Due	Past Due	Past Due	Past Due			Loans and
		Accruing	Accruing	Accruing	Accruing	Non-Accrual	Current	Leases
Commercial
	Commercial	$ 169	$ 233	$ 44	$ 446	$ 2,044	$ 506,716	$ 509,206
	Commercial
	Real Estate	277	391	195	863	5,324	782,378	788,565
	Agricultural	64	13	-	77	3,467	61,050	64,594
	Agricultural
	Real Estate	-	-	-	-	1,890	31,116	33,006
	Business Banking	1,730	359	-	2,089	7,728	242,547	252,364
		2,240	996	239	3,475	20,453	1,623,806	1,647,734

Consumer
	Indirect	7,904	1,780	1,427	11,111	1,323	851,111	863,545
	Home Equity	4,249	887	1,050	6,186	8,352	538,387	552,925
	Direct	672	194	175	1,041	396	72,002	73,439
		12,825	2,861	2,652	18,338	10,071	1,461,499	1,489,908

Residential Real Estate Mortgages		1,349	250	1,634	3,233	9,228	557,987	570,448
		$ 16,414	$ 4,107	$ 4,525	$ 25,046	$ 39,752	$ 3,643,292	$3,708,090

Age Analysis of Past Due Loans
As of December 31, 2010
(in thousands)

					Greater Than					Recorded
		31-60 Days		61-90 Days	91 Days	Total				Total
		Past Due		Past Due	Past Due	Past Due				Loans and
		Accruing		Accruing	Accruing	Accruing	Non-Accrual	Current		Leases
Commercial
	Commercial		$ 136	$ 55	$ 94	$ 285	$ 5,837	$ 461,633		$ 467,755
	Commercial
	Real Estate		1,263	-	-	1,263	5,687	730,285		737,235
	Agricultural		63	92	-	155	4,065	63,336		67,556
	Agricultural
	Real Estate		108	-	-	108	2,429	33,400		35,937
	Business Banking		2,570	1,183	-	3,753	7,033	261,102		271,888
			4,140	1,330	94	5,564	25,051	1,549,756		1,580,371

Consumer
	Indirect		9,307	2,193	862	12,362	1,971	814,594		828,927
	Home Equity		5,740	1,756	396	7,892	6,395	561,391		575,678
	Direct		927	158	54	1,139	399	75,098		76,636
			15,974	4,107	1,312	21,393	8,765	1,451,083		1,481,241

Residential Real Estate Mortgages			3,002	126	919	4,047	8,651		535,696		548,394
		$ 23,116		$ 5,563	$ 2,325	$ 31,004	$ 42,467	$ 3,536,535		$ 3,610,006

Impaired loans and specific reserve allocations

Impaired Loans
			September 30, 2011			December 31, 2010
			Recorded	Unpaid		Recorded	Unpaid
			Investment	Principal		Investment	Principal
			Balance	Balance	Related	Balance	Balance	Related
(in thousands)			(Book)	(Legal)	Allowance	(Book)	(Legal)	Allowance
With no related allowance recorded:
	Commercial Loans
		Commercial	$ 1,540	$ 3,465		$ 2,112	$ 2,459
		Commercial Real Estate	5,324	7,386		5,687	6,654
		Agricultural	3,444	4,277		2,394	2,865
		Agricultural Real Estate	1,890	2,093		1,701	1,883
		Business Banking	7,728	10,411		7,033	9,395
	Total Commercial Loans		19,926	27,632		18,927	23,256

	Consumer Loans
		Home Equity	2,188	2,273		-	-

	Residential Real Estate Mortgages		1,055	1,125		313	339
			23,169	31,030		19,240	23,595

With an allowance recorded:
	Commercial Loans
		Commercial	$ 504	$ 839	$ 225	$ 3,725	$ 4,762	$ 1,907
		Commercial Real Estate	-	-	-	-	-	-
		Agricultural	23	28	23	1,671	1,918	281
		Agricultural Real Estate	-	-	-	728	784	23
	Total Commercial Loans		527	867	248	6,124	7,464	2,211

Total:			$ 23,696	$ 31,897	$ 248	$ 25,364	$ 31,059	$ 2,211

The following table summarizes the average recorded investments on impaired loans and the interest income recognized for the three months ended September 30, 2011 and September 30, 2010:

			For the three months ended
			September 30, 2011			September 30, 2010
			Average	Interest Income		Average	Interest Income
			Recorded	Recognized		Recorded	Recognized
(in thousands)			Investment	Accrual	Cash	Investment	Accrual	Cash
With no related allowance recorded:
	Commercial Loans
		Commercial	$ 1,794	$ 3	$ 3	$ 2,119	$ 34	$ 34
		Commercial Real Estate	6,106	14	14	4,612	70	70
		Agricultural	3,516	59	59	3,233	17	17
		Agricultural Real Estate	1,874	34	34	1,538	66	66
		Business Banking	7,655	101	101	6,458	107	107
	Total Commercial Loans		20,945	211	211	17,960	294	294

	Consumer Loans
		Home Equity	2,312	26	26	-	-	-

	Residential Real Estate Mortgages		1,059	26	26	212	5	5
			$ 24,316	$ 263	$263	$ 18,172	$ 299	$299

With an allowance recorded:
	Commercial Loans
		Commercial	$ 520	$ 19	$ 19	$ 1,635	$ 69	$ 69
		Commercial Real Estate	-	-	-	721	-	-
		Agricultural	23	1	1	1,199	46	46
		Agricultural Real Estate	-	-	-	826	12	12
	Total Commercial Loans		$ 543	$ 20	$ 20	$ 4,381	$ 127	$127

Total:			$ 24,859	$ 283	$283	$ 22,553	$ 426	$426

The following table summarizes the average recorded investments on impaired loans and the interest income recognized for the nine months ended September 30, 2011 and September 30, 2010:

			For the nine months ended
			September 30, 2011			September 30, 2010
			Average	Interest Income		Average	Interest Income
			Recorded	Recognized		Recorded	Recognized
(in thousands)			Investment	Accrual	Cash	Investment	Accrual	Cash
With no related allowance recorded:
	Commercial Loans
		Commercial	$ 2,625	$ 76	$ 76	$ 1,915	$ 63	$ 63
		Commercial Real Estate	4,728	59	59	4,060	84	84
		Agricultural	2,903	104	104	2,754	45	45
		Agricultural Real Estate	1,622	72	72	2,053	130	130
		Business Banking	5,662	203	203	4,149	154	154
	Total Commercial Loans		17,540	514	514	14,931	476	476

	Consumer Loans
		Home Equity	1,851	84	84	-	-	-

	Residential Real Estate Mortgages		887	53	53	71	5	5
			$ 20,278	$ 651	$651	$ 15,002	$ 481	$481

With an allowance recorded:
	Commercial Loans
		Commercial	$ 991	$ 68	$ 68	$ 2,196	$ 70	$ 70
		Commercial Real Estate	382	-	-	1,645	-	-
		Agricultural	1,055	68	68	1,657	104	104
		Agricultural Real Estate	475	18	18	792	54	54
	Total Commercial Loans		$ 2,903	$ 154	$154	$ 6,290	$ 228	$228

Total:			$ 23,181	$ 805	$805	$ 21,292	$ 709	$709

Financing Receivable Credit Quality by Loan Class

Credit Quality Indicators
As of September 30, 2011


Commercial Credit Exposure			Commercial		Agricultural
By Internally Assigned Grade:		Commercial	Real Estate	Agricultural	Real Estate	Total
	Pass	$ 472,797	$ 704,232	$ 55,156	$ 28,100	$ 1,260,285
	Special Mention	4,616	29,881	1,163	73	35,733
	Substandard	31,289	54,452	8,199	4,833	98,773
	Doubtful	504	-	76	-	580
Total		$ 509,206	$ 788,565	$ 64,594	$ 33,006	$ 1,395,371

Business Banking Credit Exposure
By Internally Assigned Grade:		Business Banking				Total
	Non-classified	$ 234,337				$ 234,337
	Classified	18,027				18,027
Total		$ 252,364				$ 252,364

Consumer Credit Exposure
By Payment Activity:		Indirect	Home Equity	Direct		Total
	Performing	$ 860,868	$ 543,596	$ 72,869		$ 1,477,332
	Nonperforming	2,677	9,329	570		12,576
Total		$ 863,545	$ 552,925	$ 73,439		$ 1,489,908

Residential Mortgage Credit Exposure		Residential
By Payment Activity:		Mortgage				Total
	Performing	$ 559,974				$ 559,974
	Nonperforming	10,474				10,474
Total		$ 570,448				$ 570,448

Credit Quality Indicators
As of December 31, 2010

Commercial Credit Exposure			Commercial		Agricultural
By Internally Assigned Grade:		Commercial	Real Estate	Agricultural	Real Estate	Total
	Pass	$ 441,834	$ 654,974	$ 61,195	$ 30,483	$1,188,486
	Special Mention	4,830	35,461	660	936	41,887
	Substandard	21,091	46,800	5,606	4,518	78,015
	Doubtful	-	-	95	-	95
Total		$ 467,755	$ 737,235	$ 67,556	$ 35,937	$1,308,483

Business Banking Credit Exposure
By Internally Assigned Grade:		Business Banking				Total
	Non-classified	$ 253,120				$ 253,120
	Classified	18,768				18,768
Total		$ 271,888				$ 271,888

Consumer Credit Exposure
By Payment Activity:		Indirect	Home Equity	Direct		Total
	Performing	$ 826,956	$ 569,283	$ 76,237		$1,472,476
	Nonperforming	1,971	6,395	399		8,765
Total		$ 828,927	$ 575,678	$ 76,636		$1,481,241

Residential Mortgage Credit Exposure		Residential
By Payment Activity:		Mortgage				Total
	Performing	$ 539,743				$ 539,743
	Nonperforming	8,651				8,651
Total		$ 548,394				$ 548,394

Earnings Per Share (Tables)

9 Months Ended

Sep. 30, 2011

Earnings Per Share [Abstract]

Earnings Per Share

Three months ended September 30,	2011	2010
(in thousands, except per share data)
Basic EPS:
Weighted average common shares outstanding	33,324	34,296
Net income available to common shareholders	15,217	14,570
Basic EPS	$0.46	$0.42
Diluted EPS:
Weighted average common shares outstanding	33,324	34,296
Dilutive effect of common stock options and restricted stock	243	217
Weighted average common shares and common
share equivalents	33,567	34,513
Net income available to common shareholders	15,217	14,570
Diluted EPS	$0.45	$0.42

Nine months ended September 30,	2011	2010
(in thousands, except per share data)
Basic EPS:
Weighted average common shares outstanding	33,897	34,271
Net income available to common shareholders	44,179	42,970
Basic EPS	$1.30	$1.25
Diluted EPS:
Weighted average common shares outstanding	33,897	34,271
Dilutive effect of common stock options and restricted stock	262	211
Weighted average common shares and common
share equivalents	34,159	34,482
Net income available to common shareholders	44,179	42,970
Diluted EPS	$1.29	$1.25

Employee Benefit Plans (Tables)

9 Months Ended

Sep. 30, 2011

Employee Benefit Plans [Abstract]

Components of Net Periodic Pension Benefits and Other Benefit Costs

	Pension Benefits		Other Benefits
	Three months ended September 30,		Three months ended September 30,
Components of net periodic benefit cost:	2011	2010	2011	2010
Service cost	$ 668	$ 749	$ 5	$ 2
Interest cost	874	966	57	65
Expected return on plan assets	(1,914)	(1,568)	-	-
Net amortization	408	273	9	15
Total cost (benefit)	$ 36	$ 420	$ 71	$ 82

	Pension Benefits		Other Benefits
	Nine months ended September 30,		Nine months ended September 30,
Components of net periodic benefit cost:	2011	2010	2011	2010
Service cost	$ 2,003	$ 1,674	$ 15	$ 12
Interest cost	2,621	2,710	171	171
Expected return on plan assets	(5,742)	(5,124)	-	-
Net amortization	1,221	1,076	27	(1)
Total cost (benefit)	$ 103	$ 336	$ 213	$ 182

- Definition

Tabular disclosure of one or more of the entity's defined benefit pension plans or one or more other defined benefit postretirement plans, separately for pension plans and other postretirement benefit plans including the entity's schedule of fair value of plan assets for defined benefit or other postretirement plans.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5, 6, 7
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 158
-Paragraph 4, 7, 16, 20, 21
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6962843&loc=d3e1928-114920

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 55
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=6930749&loc=d3e4179-114921

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6962843&loc=d3e2410-114920

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-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6962843&loc=d3e2439-114920

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6962843&loc=d3e2417-114920

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Trust Preferred Debentures (Tables)

9 Months Ended

Sep. 30, 2011

Trust Preferred Debentures [Abstract]

Schedule of Debt of VIE Where Entity is Not Primary Beneficiary

Description	Issuance Date	Trust Preferred Securities Outstanding	Interest Rate	Trust Preferred Debt Owed To Trust	Final Maturity date
CNBF Capital Trust I	June 1999	18,000	3-month LIBOR plus 2.75%	$18,720	August 2029

NBT Statutory Trust I	November 2005	5,000	3-month LIBOR plus 1.40%	5,155	December 2035

NBT Statutory Trust II	February 2006	50,000	3-month LIBOR plus 1.40%	51,547	March 2036

- Definition

Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 22
-Article 5

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28551-108399

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28541-108399

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
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-Name Accounting Standards Codification
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-SubTopic 10
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-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21538-112644

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21521-112644

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-Publisher FASB
-Name Accounting Standards Codification
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-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6584090&loc=d3e28878-108400

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6479336&loc=d3e64711-112823

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(e),(f))
-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690

+ Details

Fair Values of Financial Instruments (Tables)

9 Months Ended

Sep. 30, 2011

Fair Values of Financial Instruments [Abstract]

Fair Value of Financial Assets and Liabilities Measured on a Recurring Basis

	Quoted Prices in	Significant	Significant
			Active Markets for	Other	Unobservable	Balance
			Identical Assets	Observable Inputs	Inputs	as of
		September 30, 2011:	(Level 1)	(Level 2)	(Level 3)	September 30, 2011
Assets:
	Securities Available for Sale:
		U.S. Treasury	82,342	-	-	82,342
		Federal Agency	-	220,649	-	220,649
		State & municipal	-	107,762	-	107,762
		Mortgage-backed	-	323,429	-	323,429
		Collateralized mortgage obligations	-	404,928	-	404,928
		Corporate	-	20,097	-	20,097
		Other securities	8,283	2,062	-	10,345
	Total Securities Available for Sale		$ 90,625	$ 1,078,927	$ -	$ 1,169,552

	Trading Securities		2,965	-	-	2,965
Total			$ 93,590	$ 1,078,927	$ -	$ 1,172,517

			Quoted Prices in	Significant	Significant
			Active Markets for	Other	Unobservable	Balance
			Identical Assets	Observable Inputs	Inputs	as of
		December 31, 2010:	(Level 1)	(Level 2)	(Level 3)	December 31, 2010
Assets:
	Securities Available for Sale:
		U.S. Treasury	$ 91,280	$ -	$ -	$ 91,280
		Federal Agency	-	349,750	-	349,750
		State & municipal	-	114,937	-	114,937
		Mortgage-backed	-	244,808	-	244,808
		Collateralized mortgage obligations	-	297,888	-	297,888
		Corporate	-	20,489	-	20,489
		Other securities	8,190	2,026	-	10,216
	Total Securities Available for Sale		$ 99,470	$ 1,029,898	$ -	$ 1,129,368

	Trading Securities		2,808	-	-	2,808
Total			$ 102,278	$ 1,029,898	$ -	$ 1,132,176

Fair Value of Financial Instruments By Balance Sheet Grouping

	September 30, 2011		December 31, 2010
(In thousands)	Carrying amount	Estimated fair value	Carrying amount	Estimated fair value
Financial assets
Cash and cash equivalents	$ 191,945	$ 191,945	$ 168,792	$ 168,792
Securities available for sale	1,169,552	1,169,552	1,129,368	1,129,368
Securities held to maturity	72,959	74,448	97,310	98,759
Trading securities	2,965	2,965	2,808	2,808
Loans (1)	3,708,090	3,733,216	3,610,006	3,626,603
Less allowance for loan losses	71,334	-	71,234	-
Net loans	3,636,756	3,733,216	3,538,772	3,626,603
Accrued interest receivable	17,336	17,336	19,130	19,130
Financial liabilities
Savings, NOW, and money market	$ 2,365,359	$ 2,365,359	$ 2,291,833	$ 2,291,833
Time deposits	871,152	881,194	930,778	943,988
Noninterest bearing	1,028,553	1,028,553	911,741	911,741
Short-term borrowings	158,285	158,285	159,434	159,434
Long-term debt	370,347	430,745	369,874	423,350
Accrued interest payable	3,904	3,904	4,356	4,356
Trust preferred debentures	75,422	75,422	75,422	71,148

- Definition

Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments, assets, and liabilities. Such certain disclosures about the financial instruments, assets, and liabilities include: (1) the fair value of the required items together with their carrying amounts (as appropriate) and (2) the methodology and assumptions used in developing such estimates of fair value.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 10
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 14
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15
-Subparagraph b-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32
-Subparagraph a, c(1), c(2), c(3), d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 18
-Subparagraph c(2), d, e, f
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 19
-Subparagraph a, b, c(1), d(1)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
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-Name Accounting Standards Codification
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Reference 11: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
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-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
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-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

+ Details

Securities (Tables)

9 Months Ended

Sep. 30, 2011

Securities [Abstract]

Schedule of securities available for sale

(In thousands)	Amortized cost	Unrealized gains	Unrealized losses	Estimated fair value
September 30, 2011
U.S. Treasury	$ 81,088	$ 1,254	$ -	$ 82,342
Federal Agency	219,800	940	91	220,649
State & municipal	103,281	4,610	129	107,762
Mortgage-backed	307,996	15,433	-	323,429
Collateralized mortgage obligations	396,763	8,203	38	404,928
Corporate	20,000	97	-	20,097
Other securities	8,926	1,654	235	10,345
Total securities available for sale	$ 1,137,854	$ 32,191	$ 493	$ 1,169,552
December 31, 2010
U.S. Treasury	$ 91,338	$ 424	$ 482	$ 91,280
Federal Agency	350,641	1,905	2,796	349,750
State & municipal	113,821	1,771	655	114,937
Mortgage-backed	233,861	11,666	719	244,808
Collateralized mortgage obligations	293,565	6,574	2,251	297,888
Corporate	20,005	484	-	20,489
Other securities	8,059	2,162	5	10,216
Total securities available for sale	$ 1,111,290	$ 24,986	$ 6,908	$ 1,129,368

Schedule of securities held to maturity

	Amortized	Unrealized	Unrealized	Estimated
(In thousands)	cost	gains	losses	fair value
September 30, 2011
Mortgage-backed	$ 1,520	$ 206	$ -	$ 1,726
State & municipal	71,439	1,283	-	72,722
Total securities held to maturity	$ 72,959	$ 1,489	$ -	$ 74,448
December 31, 2010
Mortgage-backed	$ 1,719	$ 200	$ -	$ 1,919
State & municipal	95,591	1,249	-	96,840
Total securities held to maturity	$ 97,310	$ 1,449	$ -	$ 98,759

Schedule of investment securities with unrealized losses

	Less than 12 months			12 months or longer			Total
Security Type:	Fair Value	Unrealized losses	Number of Positions	Fair Value	Unrealized losses	Number of Positions	Fair Value	Unrealized losses	Number of Positions

September 30, 2011
U.S. Treasury	$ -	$ -	-	$ -	$ -	-	$ -	$ -	-
Federal agency	19,909	(91)	2	-	-	-	19,909	(91)	2
State & municipal	1,145	(10)	3	5,819	(119)	15	6,964	(129)	18
Mortgage-backed	-	-	-	-	-	-	-	-	-
Collateralized mortgage obligations	19,487	(38)	1	-	-	-	19,487	(38)	1
Other securities	2,012	(235)	5	-	-	-	2,012	(235)	5
Total securities with unrealized losses	$42,553	$ (374)	11	$ 5,819	$ (119)	15	$48,372	$ (493)	26

December 31, 2010
U.S. Treasury	$40,741	$ (482)	4	$ -	$ -	-	$40,741	$ (482)	4
Federal agency	147,012	(2,796)	12	-	-	-	147,012	(2,796)	12
State & municipal	22,273	(317)	31	7,533	(338)	19	29,806	(655)	50
Mortgage-backed	44,340	(719)	3	-	-	-	44,340	(719)	3
Collateralized mortgage obligations	72,595	(2,251)	3	-	-	-	72,595	(2,251)	3
Other securities	95	(5)	1	-	-	-	95	(5)	1
Total securities with unrealized losses	$327,056	$ (6,570)	54	$ 7,533	$ (338)	19	$334,589	$ (6,908)	73

Schedule of contractual maturities of debt securities

(In thousands)	Amortized cost	Estimated fair value
Debt securities classified as available for sale
Within one year	$43,783	$43,991
From one to five years	279,220	281,774
From five to ten years	250,065	260,303
After ten years	555,860	573,139
	$1,128,928	$1,159,207
Debt securities classified as held to maturity
Within one year	$26,115	$26,163
From one to five years	35,194	36,284
From five to ten years	8,035	8,179
After ten years	3,615	3,822
	$72,959	$74,448

- Definition

Tabular disclosure of available-for-sale securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 03-1
-Paragraph 21
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-Name FASB Staff Position (FSP)
-Number FAS115-1/124-1
-Paragraph 17
-Subparagraph a, b
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 19, 20, 21
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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+ Details

- Definition

Tabular disclosure of all investments in certain debt and equity securities for which the entity has the positive intent and ability to hold until maturity.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 115
-Paragraph 137
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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-Topic 942
-SubTopic 320
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62557-112803

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27290-111563

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6435544&loc=d3e41834-113960

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27405-111563

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27232-111563

+ Details

Use of Estimates (Details)	9 Months Ended
Use of Estimates (Details)	Sep. 30, 2011
Use of Estimates [Abstract]
Uncertain tax positions are recognized threshold estimate (in hundredths)	50.00%

Commitments and Contingent Liabilities (Details) - USD ($)	9 Months Ended
	Sep. 30, 2011	Dec. 31, 2010
Guarantor Obligations [Line Items]
Obligation instrument term	5
Commitment To Extend Credit and Unused Lines of Credit [Member]
Guarantor Obligations [Line Items]
Commitments - maximum potential obligation	$ 749,200,000.0	$ 643,600,000.0
Standby Letters of Credit [Member]
Guarantor Obligations [Line Items]
Commitments - maximum potential obligation	26,000,000.0	26,200,000.0
Commercial Letters of Credit [Member]
Guarantor Obligations [Line Items]
Commitments - maximum potential obligation	$ 15,700,000.0	$ 16,300,000.0

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2011 USD ($)	Sep. 30, 2010 USD ($)	Sep. 30, 2011 USD ($)	Sep. 30, 2010 USD ($)	Dec. 31, 2010 USD ($)
Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases [Abstract]
Loan portfolio segments			3
Commercial Real Estate Loan amount, percentage of appraised value of the property, maximum (in hundredths)	80.00%		80.00%
Agricultural Real Estate Loan amount, percentage of appraised value of the property, maximum (in hundredths)	75.00%		75.00%
Business Banking Loans, Maximum Amount	$ 350		$ 350
Automobile Financing Approximate percentage of Indirect loans (in hundredths)	70.00%		70.00%
Automobile Financing Principal Repayment terms, Low End Of range (in years)	3		3
Automobile Financing Principal Repayment terms, High End Of range (in years)	6		6
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	$ 70,484	$ 70,300	$ 71,234	$ 66,550
Charge-offs	(5,265)	(6,882)	(18,131)	(21,471)
Recoveries	940	928	3,070	3,674
Provision	5,175	7,529	15,161	23,122
Balance as of Ending of Period	71,334	71,875	71,334	71,875
Allowance loan and lease losses
Allowance for loans and leases individually evaluated for impairment	248		248		$ 2,211
Allowance for loans and leases collectively evaluated for impairment	71,086		71,086		69,023
Ending balance of loans and leases	3,708,090		3,708,090		3,610,006
Ending balance of loans and leases individually evaluated for impairment	7,207		7,207		11,419
Ending balance of loans and leases collectively evaluated for impairment	3,700,883		3,700,883		3,598,587
Commercial Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	39,147	38,885	40,101	36,598
Charge-offs	(1,694)	(2,904)	(7,153)	(9,040)
Recoveries	367	348	1,262	1,580
Provision	1,073	4,517	4,683	11,708
Balance as of Ending of Period	38,893	40,846	38,893	40,846
Allowance loan and lease losses
Allowance for loans and leases individually evaluated for impairment	248		248		2,211
Allowance for loans and leases collectively evaluated for impairment	38,645		38,645		37,890
Ending balance of loans and leases	1,647,734		1,647,734		1,580,371
Ending balance of loans and leases individually evaluated for impairment	7,207		7,207		11,419
Ending balance of loans and leases collectively evaluated for impairment	1,640,527		1,640,527		1,568,952
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	25,718	27,832	26,126	26,664
Charge-offs	(3,526)	(3,846)	(10,420)	(11,776)
Recoveries	571	572	1,803	2,080
Provision	3,533	2,359	8,787	9,949
Balance as of Ending of Period	26,296	26,917	26,296	26,917
Allowance loan and lease losses
Allowance for loans and leases individually evaluated for impairment	0		0		0
Allowance for loans and leases collectively evaluated for impairment	26,296		26,296		26,126
Ending balance of loans and leases	1,489,908		1,489,908		1,481,241
Ending balance of loans and leases individually evaluated for impairment	0		0		0
Ending balance of loans and leases collectively evaluated for impairment	1,489,908		1,489,908		1,481,241
Residential Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	5,373	3,295	4,627	3,002
Charge-offs	(45)	(132)	(558)	(655)
Recoveries	2	8	5	14
Provision	588	611	1,844	1,421
Balance as of Ending of Period	5,918	3,782	5,918	3,782
Allowance loan and lease losses
Allowance for loans and leases individually evaluated for impairment	0		0		0
Allowance for loans and leases collectively evaluated for impairment	5,918		5,918		4,627
Ending balance of loans and leases	570,448		570,448		548,394
Ending balance of loans and leases individually evaluated for impairment	0		0		0
Ending balance of loans and leases collectively evaluated for impairment	570,448		570,448		548,394
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	246	288	380	286
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(19)	42	(153)	44
Balance as of Ending of Period	227	$ 330	227	$ 330
Allowance loan and lease losses
Allowance for loans and leases individually evaluated for impairment	0		0		0
Allowance for loans and leases collectively evaluated for impairment	$ 227		$ 227		$ 380

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2011	Dec. 31, 2010
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	$ 16,414	$ 23,116
61 - 90 Days Past Due Accruing	4,107	5,563
Greater Than 91 Days Past Due Accruing	4,525	2,325
Total Past Due Accruing	25,046	31,004
Non-Accrual	39,752	42,467
Current	3,643,292	3,536,535
Recorded Total Loans and Leases	$ 3,708,090	3,610,006
Home Equity Loan amount, Percentage of Equity in Home, Maximum (in hundredths)	85.00%
Residential Real Estate Loan amount, percentage of appraised value or purchase price of the property, maximum (in hundredths)	85.00%
Troubled Debt Restructured Loans Amount	$ 4,600	1,000
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	2,240	4,140
61 - 90 Days Past Due Accruing	996	1,330
Greater Than 91 Days Past Due Accruing	239	94
Total Past Due Accruing	3,475	5,564
Non-Accrual	20,453	25,051
Current	1,623,806	1,549,756
Recorded Total Loans and Leases	1,647,734	1,580,371
Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	169	136
61 - 90 Days Past Due Accruing	233	55
Greater Than 91 Days Past Due Accruing	44	94
Total Past Due Accruing	446	285
Non-Accrual	2,044	5,837
Current	506,716	461,633
Recorded Total Loans and Leases	509,206	467,755
Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	277	1,263
61 - 90 Days Past Due Accruing	391	0
Greater Than 91 Days Past Due Accruing	195	0
Total Past Due Accruing	863	1,263
Non-Accrual	5,324	5,687
Current	782,378	730,285
Recorded Total Loans and Leases	788,565	737,235
Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	64	63
61 - 90 Days Past Due Accruing	13	92
Greater Than 91 Days Past Due Accruing	0	0
Total Past Due Accruing	77	155
Non-Accrual	3,467	4,065
Current	61,050	63,336
Recorded Total Loans and Leases	64,594	67,556
Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	0	108
61 - 90 Days Past Due Accruing	0	0
Greater Than 91 Days Past Due Accruing	0	0
Total Past Due Accruing	0	108
Non-Accrual	1,890	2,429
Current	31,116	33,400
Recorded Total Loans and Leases	33,006	35,937
Commercial Portfolio Segment [Member] \| Small Business Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	1,730	2,570
61 - 90 Days Past Due Accruing	359	1,183
Greater Than 91 Days Past Due Accruing	0	0
Total Past Due Accruing	2,089	3,753
Non-Accrual	7,728	7,033
Current	242,547	261,102
Recorded Total Loans and Leases	252,364	271,888
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	12,825	15,974
61 - 90 Days Past Due Accruing	2,861	4,107
Greater Than 91 Days Past Due Accruing	2,652	1,312
Total Past Due Accruing	18,338	21,393
Non-Accrual	10,071	8,765
Current	1,461,499	1,451,083
Recorded Total Loans and Leases	1,489,908	1,481,241
Consumer Portfolio Segment [Member] \| Indirect Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	7,904	9,307
61 - 90 Days Past Due Accruing	1,780	2,193
Greater Than 91 Days Past Due Accruing	1,427	862
Total Past Due Accruing	11,111	12,362
Non-Accrual	1,323	1,971
Current	851,111	814,594
Recorded Total Loans and Leases	863,545	828,927
Consumer Portfolio Segment [Member] \| Home Equity Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	4,249	5,740
61 - 90 Days Past Due Accruing	887	1,756
Greater Than 91 Days Past Due Accruing	1,050	396
Total Past Due Accruing	6,186	7,892
Non-Accrual	8,352	6,395
Current	538,387	561,391
Recorded Total Loans and Leases	552,925	575,678
Consumer Portfolio Segment [Member] \| Direct Financing Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	672	927
61 - 90 Days Past Due Accruing	194	158
Greater Than 91 Days Past Due Accruing	175	54
Total Past Due Accruing	1,041	1,139
Non-Accrual	396	399
Current	72,002	75,098
Recorded Total Loans and Leases	73,439	76,636
Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	1,349	3,002
61 - 90 Days Past Due Accruing	250	126
Greater Than 91 Days Past Due Accruing	1,634	919
Total Past Due Accruing	3,233	4,047
Non-Accrual	9,228	8,651
Current	557,987	535,696
Recorded Total Loans and Leases	$ 570,448	$ 548,394

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2011 USD ($)	Sep. 30, 2010 USD ($)	Sep. 30, 2011 USD ($)	Sep. 30, 2010 USD ($)	Dec. 31, 2010 USD ($)
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	$ 23,696		$ 23,696		$ 25,364
Unpaid Principal Balance (Legal)	31,897		31,897		31,059
Related Allowance	248		248		2,211
Average Recorded Investment	24,859	$ 22,553	23,181	$ 21,292
Interest Income Recognized Total	283	426	805	709
Interest Income Recognized Cash	283	426	805	709
Minimum Balance For Classified Loans to be Evaluated for Impairment	$ 500		$ 500
Nonperforming Loans Minimum Number of days Past Due For Classification (in days)	90		90
Impaired receivables [Abstract]
Impaired receivables	$ 23,696		$ 23,696		25,364
Allowance for credit losses associated with impaired receivables	248		$ 248		2,211
Consumer Portfolio Segment [Member] \| Home Equity Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts			6
Post-modification outstanding recorded investment			$ 600
Residential Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts			2
Post-modification outstanding recorded investment			$ 400
Small Business Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	252,364		252,364		271,888
Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	1,395,371		1,395,371		1,308,483
Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	509,206		509,206		467,755
Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	788,565		788,565		737,235
Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	64,594		64,594		67,556
Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	33,006		33,006		35,937
Consumer Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	1,489,908		1,489,908		1,481,241
Consumer Portfolio Segment [Member] \| Indirect Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	863,545		863,545		828,927
Consumer Portfolio Segment [Member] \| Home Equity Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	552,925		552,925		575,678
Consumer Portfolio Segment [Member] \| Direct Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	73,439		73,439		76,636
Residential Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Financing Receivable	570,448		570,448		548,394
With No Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	23,169		23,169		19,240
Unpaid Principal Balance (Legal)	31,030		31,030		23,595
Average Recorded Investment	24,316	18,172	20,278	15,002
Interest Income Recognized Total	263	299	651	481
Interest Income Recognized Cash	263	299	651	481
Impaired receivables [Abstract]
Impaired receivables	23,169		23,169		19,240
With No Allowance Recorded [Member] \| Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	19,926		19,926		18,927
Unpaid Principal Balance (Legal)	27,632		27,632		23,256
Average Recorded Investment	20,945	17,960	17,540	14,931
Interest Income Recognized Total	211	294	514	476
Interest Income Recognized Cash	211	294	514	476
Impaired receivables [Abstract]
Impaired receivables	19,926		19,926		18,927
With No Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	1,540		1,540		2,112
Unpaid Principal Balance (Legal)	3,465		3,465		2,459
Average Recorded Investment	1,794	2,119	2,625	1,915
Interest Income Recognized Total	3	34	76	63
Interest Income Recognized Cash	3	34	76	63
Impaired receivables [Abstract]
Impaired receivables	1,540		1,540		2,112
With No Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	5,324		5,324		5,687
Unpaid Principal Balance (Legal)	7,386		7,386		6,654
Average Recorded Investment	6,106	4,612	4,728	4,060
Interest Income Recognized Total	14	70	59	84
Interest Income Recognized Cash	14	70	59	84
Impaired receivables [Abstract]
Impaired receivables	5,324		5,324		5,687
With No Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	3,444		3,444		2,394
Unpaid Principal Balance (Legal)	4,277		4,277		2,865
Average Recorded Investment	3,516	3,233	2,903	2,754
Interest Income Recognized Total	59	17	104	45
Interest Income Recognized Cash	59	17	104	45
Impaired receivables [Abstract]
Impaired receivables	3,444		3,444		2,394
With No Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	1,890		1,890		1,701
Unpaid Principal Balance (Legal)	2,093		2,093		1,883
Average Recorded Investment	1,874	1,538	1,622	2,053
Interest Income Recognized Total	34	66	72	130
Interest Income Recognized Cash	34	66	72	130
Impaired receivables [Abstract]
Impaired receivables	1,890		1,890		1,701
With No Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Small Business Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	7,728		7,728		7,033
Unpaid Principal Balance (Legal)	10,411		10,411		9,395
Average Recorded Investment	7,655	6,458	5,662	4,149
Interest Income Recognized Total	101	107	203	154
Interest Income Recognized Cash	101	107	203	154
Impaired receivables [Abstract]
Impaired receivables	7,728		7,728		7,033
With No Allowance Recorded [Member] \| Consumer Portfolio Segment [Member] \| Home Equity Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	2,188		2,188		0
Unpaid Principal Balance (Legal)	2,273		2,273		0
Average Recorded Investment	2,312	0	1,851	0
Interest Income Recognized Total	26	0	84	0
Interest Income Recognized Cash	26	0	84	0
Impaired receivables [Abstract]
Impaired receivables	2,188		2,188		0
With No Allowance Recorded [Member] \| Residential Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	1,055		1,055		313
Unpaid Principal Balance (Legal)	1,125		1,125		339
Average Recorded Investment	1,059	212	887	71
Interest Income Recognized Total	26	5	53	5
Interest Income Recognized Cash	26	5	53	5
Impaired receivables [Abstract]
Impaired receivables	1,055		1,055		313
With An Allowance Recorded [Member] \| Commercial Portfolio Segment [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	527		527		6,124
Unpaid Principal Balance (Legal)	867		867		7,464
Related Allowance	248		248		2,211
Average Recorded Investment	543	4,381	2,903	6,290
Interest Income Recognized Total	20	127	154	228
Interest Income Recognized Cash	20	127	154	228
Impaired receivables [Abstract]
Impaired receivables	527		527		6,124
Allowance for credit losses associated with impaired receivables	248		248		2,211
With An Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	504		504		3,725
Unpaid Principal Balance (Legal)	839		839		4,762
Related Allowance	225		225		1,907
Average Recorded Investment	520	1,635	991	2,196
Interest Income Recognized Total	19	69	68	70
Interest Income Recognized Cash	19	69	68	70
Impaired receivables [Abstract]
Impaired receivables	504		504		3,725
Allowance for credit losses associated with impaired receivables	225		225		1,907
With An Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	0		0		0
Unpaid Principal Balance (Legal)	0		0		0
Related Allowance	0		0		0
Average Recorded Investment	0	721	382	1,645
Interest Income Recognized Total	0	0	0	0
Interest Income Recognized Cash	0	0	0	0
Impaired receivables [Abstract]
Impaired receivables	0		0		0
Allowance for credit losses associated with impaired receivables	0		0		0
With An Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	23		23		1,671
Unpaid Principal Balance (Legal)	28		28		1,918
Related Allowance	23		23		281
Average Recorded Investment	23	1,199	1,055	1,657
Interest Income Recognized Total	1	46	68	104
Interest Income Recognized Cash	1	46	68	104
Impaired receivables [Abstract]
Impaired receivables	23		23		1,671
Allowance for credit losses associated with impaired receivables	23		23		281
With An Allowance Recorded [Member] \| Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	0		0		728
Unpaid Principal Balance (Legal)	0		0		784
Related Allowance	0		0		23
Average Recorded Investment	0	826	475	792
Interest Income Recognized Total	0	12	18	54
Interest Income Recognized Cash	0	$ 12	18	$ 54
Impaired receivables [Abstract]
Impaired receivables	0		0		728
Allowance for credit losses associated with impaired receivables	$ 0		$ 0		$ 23
Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts	3		3
Pre-modification oustanding recorded investment	$ 700		$ 700
Post-modification outstanding recorded investment	$ 700		$ 700
Consumer Portfolio Segment [Member] \| Home Equity Financing Receivable [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts			25
Pre-modification oustanding recorded investment			$ 2,400
Post-modification outstanding recorded investment			$ 2,400
Residential Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts			4
Pre-modification oustanding recorded investment			$ 800
Post-modification outstanding recorded investment			$ 800

Allowance for Loan and Lease Losses and Credit Quality of Loans and Leases (Details) - USD ($) $ in Thousands	Sep. 30, 2011	Dec. 31, 2010
Small Business Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	$ 252,364	$ 271,888
Small Business Financing Receivable [Member] \| Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	18,027	18,768
Small Business Financing Receivable [Member] \| Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	234,337	253,120
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,395,371	1,308,483
Commercial Portfolio Segment [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,260,285	1,188,486
Commercial Portfolio Segment [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	35,733	41,887
Commercial Portfolio Segment [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	98,773	78,015
Commercial Portfolio Segment [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	580	95
Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	509,206	467,755
Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	472,797	441,834
Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	4,616	4,830
Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	31,289	21,091
Commercial Portfolio Segment [Member] \| Commercial Financing Receivable [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	504	0
Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	788,565	737,235
Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	704,232	654,974
Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	29,881	35,461
Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	54,452	46,800
Commercial Portfolio Segment [Member] \| Commercial Real Estate Other Receivable [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	0	0
Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	64,594	67,556
Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	55,156	61,195
Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,163	660
Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	8,199	5,606
Commercial Portfolio Segment [Member] \| Agricultural Financing Receivable [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	76	95
Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	33,006	35,937
Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	28,100	30,483
Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	73	936
Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	4,833	4,518
Commercial Portfolio Segment [Member] \| Agricultural Real Estate Financing Receivable [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,489,908	1,481,241
Consumer Portfolio Segment [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,477,332	1,472,476
Consumer Portfolio Segment [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	12,576	8,765
Consumer Portfolio Segment [Member] \| Indirect Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	863,545	828,927
Consumer Portfolio Segment [Member] \| Indirect Financing Receivable [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	860,868	826,956
Consumer Portfolio Segment [Member] \| Indirect Financing Receivable [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,677	1,971
Consumer Portfolio Segment [Member] \| Home Equity Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	552,925	575,678
Consumer Portfolio Segment [Member] \| Home Equity Financing Receivable [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	543,596	569,283
Consumer Portfolio Segment [Member] \| Home Equity Financing Receivable [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	9,329	6,395
Consumer Portfolio Segment [Member] \| Direct Financing Receivable [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	73,439	76,636
Consumer Portfolio Segment [Member] \| Direct Financing Receivable [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	72,869	76,237
Consumer Portfolio Segment [Member] \| Direct Financing Receivable [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	570	399
Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	570,448	548,394
Residential Portfolio Segment [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	559,974	539,743
Residential Portfolio Segment [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	$ 10,474	$ 8,651

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Basic EPS: [Abstract]
Weighted average common shares outstanding, basic (in shares)	33,324,000	34,296,000	33,897,000	34,271,000
Net income available to common shareholders	$ 15,217	$ 14,570	$ 44,179	$ 42,970
Basic EPS (per share)	$ 0.46	$ 0.42	$ 1.30	$ 1.25
Diluted EPS: [Abstract]
Weighted average common shares outstanding (in shares)	33,324,000	34,296,000	33,897,000	34,271,000
Dilutive effect of common stock options and restricted stock (in shares)	243,000	217,000	262,000	211,000
Weighted average common shares and common share equivalents (in shares)	33,567,000	34,513,000	34,159,000	34,482,000
Net income available to common shareholders	$ 15,217	$ 14,570	$ 44,179	$ 42,970
Diluted EPS	$ 0.45	$ 0.42	$ 1.29	$ 1.25
Stock options excluded from calculation of diluted EPS (in shares)	1,651,159	1,476,461	1,239,021	1,433,276

- Definition

Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 13, 14
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 171
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 40
-Subparagraph c
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Diluted Earnings Per Share
-URI http://asc.fasb.org/extlink&oid=6510752

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Contingent Stock Agreement
-URI http://asc.fasb.org/extlink&oid=6508534

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Antidilution
-URI http://asc.fasb.org/extlink&oid=6505113

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

- Definition

The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 36, 37, 38
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Article 5
-Section 03
-Paragraph 20

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 7
-Paragraph 18

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=6880815&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6920599&loc=d3e1252-109256

Reference 7: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=6945512&loc=d3e4984-109258

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.23)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

- Definition

The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.

+ References + Details

- Definition

The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.

+ References

+ Details

- Definition

The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.

+ References + Details

- Definition

Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 171
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 40
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 128
-Paragraph 8
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=6920599&loc=d3e1448-109256

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Weighted-Average Number of Common Shares Outstanding
-URI http://asc.fasb.org/extlink&oid=6528421

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 07-4
-Paragraph 4
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Employee Benefit Plans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
Employee Benefit Plans (Details) - USD ($) $ in Thousands	Sep. 30, 2011	Sep. 30, 2010	Sep. 30, 2011	Sep. 30, 2010
Components of net periodic benefit cost: [Abstract]
Amortization of Pension Amounts Out of AOCI to Periodic Benefit Cost	$ 300		$ 700
Pension Benefits [Member]
Components of net periodic benefit cost: [Abstract]
Service cost	668	$ 749	2,003	$ 1,674
Interest cost	874	966	2,621	2,710
Expected return on plan assets	(1,914)	(1,568)	(5,742)	(5,124)
Net amortization	408	273	1,221	1,076
Total cost (benefit)	36	420	103	336
Other Benefits [Member]
Components of net periodic benefit cost: [Abstract]
Service cost	5	2	15	12
Interest cost	57	65	171	171
Expected return on plan assets	0	0	0	0
Net amortization	9	15	27	(1)
Total cost (benefit)	$ 71	$ 82	$ 213	$ 182

- Definition

An amount calculated 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.

+ References

+ Details

- Definition

The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.

+ References + Details

- Definition

The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 106
-Paragraph 518
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 87
-Paragraph 264
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-Subparagraph a, h
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (h)(1)
-URI http://asc.fasb.org/extlink&oid=6962843&loc=d3e1928-114920

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=6962843&loc=d3e1928-114920

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Service Cost (Component of Net Periodic Pension Cost)
-URI http://asc.fasb.org/extlink&oid=6525008

+ Details

Trust Preferred Debentures (Details) $ in Thousands	9 Months Ended
Trust Preferred Debentures (Details) $ in Thousands	Sep. 30, 2011 USD ($)
CNBF Capital Trust I VIE Entity Not Primary Beneficiary [Member] \| CNBF Capital Trust I Debenture [Member]
Limited Guarantee Trust Preferred Debentures [Abstract]
Issuance Date	June 1999
Trust Preferred Securities Outstanding	$ 18,000
Interest Rate	3-month LIBOR plus 2.75%
Trust Preferred Debt Owed To Trust	$ 18,720
Final Maturity date	August 2029
NBT Statutory Trust I VIE Entity Not Primary Beneficiary [Member] \| NBT Statutory Trust I Debenture [Member]
Limited Guarantee Trust Preferred Debentures [Abstract]
Issuance Date	November 2005
Trust Preferred Securities Outstanding	$ 5,000
Interest Rate	3-month LIBOR plus 1.40%
Trust Preferred Debt Owed To Trust	$ 5,155
Final Maturity date	December 2035
NBT Statutory Trust II VIE Entity Not Primary Beneficiary [Member] \| NBT Statutory Trust II Debenture [Member]
Limited Guarantee Trust Preferred Debentures [Abstract]
Issuance Date	February 2006
Trust Preferred Securities Outstanding	$ 50,000
Interest Rate	3-month LIBOR plus 1.40%
Trust Preferred Debt Owed To Trust	$ 51,547
Final Maturity date	March 2036

Fair Values of Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2011	Dec. 31, 2010
Securities Available for Sale: [Abstract]
Securities Available for Sale	$ 1,169,552	$ 1,129,368
Trading Securities	2,965	2,808
Reserves on Impaired Loans	248	2,211
Financial assets [Abstract]
Securities Available for Sale	1,169,552	1,129,368
Securities held to maturity	72,959	97,310
Trading securities	2,965	2,808
Loans and leases	3,708,090	3,610,006
Less allowance for loan and lease losses	71,334	71,234
Net loans and leases	3,636,756	3,538,772
Financial liabilities [Abstract]
Savings, NOW, and money market	2,365,359	2,291,833
Time deposits	871,152	930,778
Noninterest bearing	1,028,553	911,741
Short-term borrowings	158,285	159,434
Long-term debt	370,347	369,874
Trust preferred debentures	75,422	75,422
Carrying (Reported) Amount, Fair Value Disclosure [Member]
Securities Available for Sale: [Abstract]
Securities Available for Sale	1,169,552	1,129,368
Trading Securities	2,965	2,808
Financial assets [Abstract]
Cash and cash equivalents	191,945	168,792
Securities Available for Sale	1,169,552	1,129,368
Securities held to maturity	72,959	97,310
Trading securities	2,965	2,808
Loans and leases	3,708,090	3,610,006
Less allowance for loan and lease losses	71,334	71,234
Net loans and leases	3,636,756	3,538,772
Accrued interest receivable	17,336	19,130
Financial liabilities [Abstract]
Savings, NOW, and money market	2,365,359	2,291,833
Time deposits	871,152	930,778
Noninterest bearing	1,028,553	911,741
Short-term borrowings	158,285	159,434
Long-term debt	370,347	369,874
Accrued interest payable	3,904	4,356
Trust preferred debentures	75,422	75,422
Estimate of Fair Value, Fair Value Disclosure [Member]
Securities Available for Sale: [Abstract]
Securities Available for Sale	1,169,552	1,129,368
Trading Securities	2,965	2,808
Financial assets [Abstract]
Cash and cash equivalents	191,945	168,792
Securities Available for Sale	1,169,552	1,129,368
Securities held to maturity	74,448	98,759
Trading securities	2,965	2,808
Loans and leases	3,733,216	3,626,603
Less allowance for loan and lease losses	0	0
Net loans and leases	3,733,216	3,626,603
Accrued interest receivable	17,336	19,130
Financial liabilities [Abstract]
Savings, NOW, and money market	2,365,359	2,291,833
Time deposits	881,194	943,988
Noninterest bearing	1,028,553	911,741
Short-term borrowings	158,285	159,434
Long-term debt	430,745	423,350
Accrued interest payable	3,904	4,356
Trust preferred debentures	75,422	71,148
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities Available for Sale: [Abstract]
U.S. Treasury	82,342	91,280
Federal Agency	0	0
State & municipal	0	0
Mortgage-backed	0	0
Collateralized mortgage obligations	0	0
Corporate	0	0
Other securities	8,283	8,190
Securities Available for Sale	90,625	99,470
Trading Securities	2,965	2,808
Total	93,590	102,278
Financial assets [Abstract]
Securities Available for Sale	90,625	99,470
Trading securities	2,965	2,808
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities Available for Sale: [Abstract]
U.S. Treasury	0	0
Federal Agency	220,649	349,750
State & municipal	107,762	114,937
Mortgage-backed	323,429	244,808
Collateralized mortgage obligations	404,928	297,888
Corporate	20,097	20,489
Other securities	2,062	2,026
Securities Available for Sale	1,078,927	1,029,898
Trading Securities	0	0
Total	1,078,927	1,029,898
Financial assets [Abstract]
Securities Available for Sale	1,078,927	1,029,898
Trading securities	0	0
Fair Value, Measurements, Recurring [Member] \| Estimate of Fair Value, Fair Value Disclosure [Member]
Securities Available for Sale: [Abstract]
U.S. Treasury	82,342	91,280
Federal Agency	220,649	349,750
State & municipal	107,762	114,937
Mortgage-backed	323,429	244,808
Collateralized mortgage obligations	404,928	297,888
Corporate	20,097	20,489
Other securities	10,345	10,216
Securities Available for Sale	1,169,552	1,129,368
Trading Securities	2,965	2,808
Total	1,172,517	1,132,176
Financial assets [Abstract]
Securities Available for Sale	1,169,552	1,129,368
Trading securities	$ 2,965	$ 2,808

Securities (Details) $ in Thousands	Sep. 30, 2011 USD ($)	Dec. 31, 2010 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 1,137,854	$ 1,111,290
Unrealized gains	32,191	24,986
Unrealized losses	493	6,908
Estimated fair value	1,169,552	1,129,368
Amortized Cost of mortgage-backed securities comprised of Government Sponsored Enterprise Securities	286,500	208,900
Fair value of mortgage-backed securities comprised of Government Sponsored Enterprise Securities	300,000	217,900
Amortized Cost of mortgage-backed securities comprised of US Government Agency Securities	21,500	25,000
Fair value of mortgage-backed securities comprised of US Government Agency Securities	23,500	26,900
Amortized Cost of Collateralized Mortgage Obligations comprised of Government Sponsored Enterprise Securities	329,400	206,000
Fair Value of Collateralized Mortgage Obligations comprised of Government Sponsored Enterprise Securities	334,800	207,000
Amortized Cost of Collateralized Mortgage Obligations comprised of US Government Agency Securities	67,400	87,600
Fair Value of Collateralized Mortgage Obligations comprised of US Government Agency Securities	70,100	90,800
Amortized costs of securities available for sale pledged to secure public deposits	1,200,000	900,000
Amortized costs of securities available for sale pledged as collateral for repurchase agreements	208,400	187,700
Unrealized Loss Position, Fair Value [Abstract]
Unrealized Loss Position, Less Than 12 Months, Fair Value	42,553	327,056
Unrealized Loss Position, 12 Months or Longer, Fair Value	5,819	7,533
Unrealized Loss Position, Total, Fair Value	48,372	334,589
Unrealized Loss Position, Unrealized Losses [Abstract]
Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	(374)	(6,570)
Unrealized Loss Position, 12 Months or Longer, Unrealized Losses	(119)	(338)
Unrealized Loss Position, Total, Unrealized Losses	$ (493)	$ (6,908)
Unrealized Loss Position, Number of Positions [Abstract]
Unrealized Loss Position, Less Than 12 Months, Number of Positions	11	54
Unrealized Loss Position, 12 Months or Longer, Number of Positions	15	19
Unrealized Loss Position, Total, Number of Positions	26	73
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Within One Year	$ 43,783
From One to Five Years	279,220
From Five to Ten Years	250,065
After Ten years	555,860
Total, Amortized Cost	1,128,928
Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]
Within One Year	43,991
From One to Five Years	281,774
From Five to Ten Years	260,303
After Ten Years	573,139
Total, Fair Value	$ 1,159,207
Consolidated stockholders' equity threshold percentage that no single issuer of securities exceeded except for U.S. Government securities. (in hundredths)	10.00%
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	$ 72,959	$ 97,310
Unrealized gains	1,489	1,449
Unrealized losses	0	0
Estimated fair value	74,448	98,759
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Within One Year	26,115
From One to Five Years	35,194
From Five to Ten Years	8,035
After Ten Years	3,615
Securities held to maturity	72,959	97,310
Held-to-maturity Securities, Debt Maturities, Fair Value [Abstract]
Within One Year	26,163
From One to Five Years	36,284
From Five to Ten Years	8,179
After Ten Years	3,822
Total, Fair Value	74,448
US Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	81,088	91,338
Unrealized gains	1,254	424
Unrealized losses	0	482
Estimated fair value	82,342	91,280
Unrealized Loss Position, Fair Value [Abstract]
Unrealized Loss Position, Less Than 12 Months, Fair Value		40,741
Unrealized Loss Position, 12 Months or Longer, Fair Value	0	0
Unrealized Loss Position, Total, Fair Value	0	40,741
Unrealized Loss Position, Unrealized Losses [Abstract]
Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	0	(482)
Unrealized Loss Position, 12 Months or Longer, Unrealized Losses	0	0
Unrealized Loss Position, Total, Unrealized Losses	$ 0	$ (482)
Unrealized Loss Position, Number of Positions [Abstract]
Unrealized Loss Position, Less Than 12 Months, Number of Positions	0	4
Unrealized Loss Position, 12 Months or Longer, Number of Positions	0	0
Unrealized Loss Position, Total, Number of Positions	0	4
Federal Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 219,800	$ 350,641
Unrealized gains	940	1,905
Unrealized losses	91	2,796
Estimated fair value	220,649	349,750
Unrealized Loss Position, Fair Value [Abstract]
Unrealized Loss Position, Less Than 12 Months, Fair Value	19,909	147,012
Unrealized Loss Position, 12 Months or Longer, Fair Value	0	0
Unrealized Loss Position, Total, Fair Value	19,909	147,012
Unrealized Loss Position, Unrealized Losses [Abstract]
Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	(91)	(2,796)
Unrealized Loss Position, 12 Months or Longer, Unrealized Losses	0	0
Unrealized Loss Position, Total, Unrealized Losses	$ (91)	$ (2,796)
Unrealized Loss Position, Number of Positions [Abstract]
Unrealized Loss Position, Less Than 12 Months, Number of Positions	2	12
Unrealized Loss Position, 12 Months or Longer, Number of Positions	0	0
Unrealized Loss Position, Total, Number of Positions	2	12
State & municipal [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 103,281	$ 113,821
Unrealized gains	4,610	1,771
Unrealized losses	129	655
Estimated fair value	107,762	114,937
Unrealized Loss Position, Fair Value [Abstract]
Unrealized Loss Position, Less Than 12 Months, Fair Value	1,145	22,273
Unrealized Loss Position, 12 Months or Longer, Fair Value	5,819	7,533
Unrealized Loss Position, Total, Fair Value	6,964	29,806
Unrealized Loss Position, Unrealized Losses [Abstract]
Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	(10)	(317)
Unrealized Loss Position, 12 Months or Longer, Unrealized Losses	(119)	(338)
Unrealized Loss Position, Total, Unrealized Losses	$ (129)	$ (655)
Unrealized Loss Position, Number of Positions [Abstract]
Unrealized Loss Position, Less Than 12 Months, Number of Positions	3	31
Unrealized Loss Position, 12 Months or Longer, Number of Positions	15	19
Unrealized Loss Position, Total, Number of Positions	18	50
Mortgage-backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 307,996	$ 233,861
Unrealized gains	15,433	11,666
Unrealized losses	0	719
Estimated fair value	323,429	244,808
Unrealized Loss Position, Fair Value [Abstract]
Unrealized Loss Position, Less Than 12 Months, Fair Value	0	44,340
Unrealized Loss Position, 12 Months or Longer, Fair Value	0	0
Unrealized Loss Position, Total, Fair Value	0	44,340
Unrealized Loss Position, Unrealized Losses [Abstract]
Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	0	(719)
Unrealized Loss Position, 12 Months or Longer, Unrealized Losses	0	0
Unrealized Loss Position, Total, Unrealized Losses	$ 0	$ (719)
Unrealized Loss Position, Number of Positions [Abstract]
Unrealized Loss Position, Less Than 12 Months, Number of Positions	0	3
Unrealized Loss Position, 12 Months or Longer, Number of Positions	0	0
Unrealized Loss Position, Total, Number of Positions	0	3
Collateralized Mortgage Obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 396,763	$ 293,565
Unrealized gains	8,203	6,574
Unrealized losses	38	2,251
Estimated fair value	404,928	297,888
Unrealized Loss Position, Fair Value [Abstract]
Unrealized Loss Position, Less Than 12 Months, Fair Value	19,487	72,595
Unrealized Loss Position, 12 Months or Longer, Fair Value	0	0
Unrealized Loss Position, Total, Fair Value	19,487	72,595
Unrealized Loss Position, Unrealized Losses [Abstract]
Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	(38)	(2,251)
Unrealized Loss Position, 12 Months or Longer, Unrealized Losses	0	0
Unrealized Loss Position, Total, Unrealized Losses	$ (38)	$ (2,251)
Unrealized Loss Position, Number of Positions [Abstract]
Unrealized Loss Position, Less Than 12 Months, Number of Positions	1	3
Unrealized Loss Position, 12 Months or Longer, Number of Positions	0	0
Unrealized Loss Position, Total, Number of Positions	1	3
Corporate [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 20,000	$ 20,005
Unrealized gains	97	484
Unrealized losses	0	0
Estimated fair value	20,097	20,489
Other securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	8,926	8,059
Unrealized gains	1,654	2,162
Unrealized losses	235	5
Estimated fair value	10,345	10,216
Unrealized Loss Position, Fair Value [Abstract]
Unrealized Loss Position, Less Than 12 Months, Fair Value	2,012	95
Unrealized Loss Position, 12 Months or Longer, Fair Value	5	0
Unrealized Loss Position, Total, Fair Value	2,012	95
Unrealized Loss Position, Unrealized Losses [Abstract]
Unrealized Loss Position, Less Than 12 Months, Unrealized Losses	(235)	(5)
Unrealized Loss Position, 12 Months or Longer, Unrealized Losses	0	0
Unrealized Loss Position, Total, Unrealized Losses	$ (235)	$ (5)
Unrealized Loss Position, Number of Positions [Abstract]
Unrealized Loss Position, Less Than 12 Months, Number of Positions	5	1
Unrealized Loss Position, 12 Months or Longer, Number of Positions	0	0
Unrealized Loss Position, Total, Number of Positions	5	1
Mortgage-backed [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	$ 1,520	$ 1,719
Unrealized gains	206	200
Unrealized losses	0	0
Estimated fair value	1,726	1,919
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Securities held to maturity	1,520	1,719
State & municipal [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	71,439	95,591
Unrealized gains	1,283	1,249
Unrealized losses	0	0
Estimated fair value	72,722	96,840
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Securities held to maturity	$ 71,439	$ 95,591