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Document and Entity Information - USD ($)	9 Months Ended
Document and Entity Information - USD ($)	Sep. 30, 2012	Oct. 31, 2012	Jun. 30, 2011
Document and Entity Information [Abstract]
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			$ 704,029,832
Entity Common Stock, Shares Outstanding		33,745,327
Document Fiscal Year Focus	2012
Document Fiscal Period Focus	Q3
Document Type	10-Q
Amendment Flag	false
Document Period End Date	Sep. 30, 2012

Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Assets
Cash and due from banks	$ 137,747	$ 128,517
Short-term interest bearing accounts	2,693	864
Securities available for sale, at fair value	1,191,107	1,244,619
Securities held to maturity (fair value $62,401 and $72,198, respectively)	61,302	70,811
Trading securities	3,851	3,062
Federal Reserve and Federal Home Loan Bank stock	28,706	27,020
Loans and leases	4,251,119	3,800,203
Less allowance for loan and lease losses	70,734	71,334
Net loans and leases	4,180,385	3,728,869
Premises and equipment, net	77,326	74,541
Goodwill	152,251	132,029
Intangible assets, net	17,346	18,194
Bank owned life insurance	79,854	77,626
Other assets	96,348	92,254
Total assets	6,028,916	5,598,406
Liabilities
Demand (noninterest bearing)	1,187,502	1,052,906
Savings, NOW, and money market	2,599,556	2,381,116
Time	1,018,957	933,127
Total deposits	4,806,015	4,367,149
Short-term borrowings	137,365	181,592
Long-term debt	367,144	370,344
Trust preferred debentures	75,422	75,422
Other liabilities	66,309	65,789
Total liabilities	5,452,255	5,060,296
Stockholders' equity
Preferred stock, $0.01 par value. Authorized 2,500,000 shares at September 30, 2012 and December 31, 2011	0	0
Common stock, $0.01 par value. Authorized 100,000,000 shares at September 30, 2012 and 50,000,000 December 31, 2011; issued 39,305,131 at September 30, 2012 and 38,035,539 at December 31, 2011	393	380
Additional paid-in-capital	345,934	317,329
Retained earnings	351,261	329,981
Accumulated other comprehensive loss	(3,746)	(6,104)
Common stock in treasury, at cost, 5,562,454 and 4,878,829 shares at September 30, 2012 and, December 31, 2011, respectively	(117,181)	(103,476)
Total stockholders' equity	576,661	538,110
Total liabilities and stockholders' equity	$ 6,028,916	$ 5,598,406

Consolidated Balance Sheets (Unaudited) (Parenthetical) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Assets
Securities held to maturity fair value	$ 62,401	$ 72,198
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)	100,000,000	50,000,000
Common stock, shares issued (in shares)	39,305,131	38,035,539
Common stock in treasury, at cost shares (in shares)	5,562,454	4,878,829

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Interest, fee, and dividend income
Interest and fees on loans and leases	$ 53,817	$ 50,991	$ 154,534	$ 152,977
Securities available for sale	6,550	7,771	21,024	23,622
Securities held to maturity	572	680	1,829	2,225
Other	348	342	1,153	1,275
Total interest, fee, and dividend income	61,287	59,784	178,540	180,099
Interest expense
Deposits	4,544	5,352	14,521	17,690
Short-term borrowings	60	56	149	166
Long-term debt	3,640	3,621	10,801	10,783
Trust preferred debentures	436	394	1,319	1,683
Total interest expense	8,680	9,423	26,790	30,322
Net interest income	52,607	50,361	151,750	149,777
Provision for loan and lease losses	4,755	5,175	13,329	15,161
Net interest income after provision for loan and lease losses	47,852	45,186	138,421	134,616
Noninterest income
Insurance and other financial services revenue	5,591	5,127	17,024	15,925
Service charges on deposit accounts	4,626	5,532	13,538	16,059
ATM and debit card fees	3,378	3,135	9,403	8,731
Retirement plan administration fees	2,718	2,295	7,462	6,734
Trust	2,242	2,090	6,683	6,384
Bank owned life insurance	639	674	2,228	2,369
Net securities gains	26	12	578	98
Other	2,407	1,329	8,449	3,881
Total noninterest income	21,627	20,194	65,365	60,181
Noninterest expense
Salaries and employee benefits	26,641	25,068	78,358	74,107
Occupancy	4,437	3,887	13,150	12,396
Data processing and communications	3,352	3,054	10,041	9,085
Professional fees and outside services	2,735	2,215	7,848	6,369
Equipment	2,435	2,288	7,224	6,658
Office supplies and postage	1,597	1,531	4,842	4,418
FDIC expenses	939	920	2,812	3,381
Advertising	701	685	2,308	2,286
Amortization of intangible assets	870	782	2,530	2,286
Loan collection and other real estate owned	614	676	2,051	1,838
Merger expenses	558	155	1,895	155
Other	4,552	3,785	12,236	10,285
Total noninterest expense	49,431	45,046	145,295	133,264
Income before income tax expense	20,048	20,334	58,491	61,533
Income tax expense	5,513	5,117	17,049	17,354
Net income	$ 14,535	$ 15,217	$ 41,442	$ 44,179
Earnings per share
Basic (in dollars per share)	$ 0.43	$ 0.46	$ 1.24	$ 1.30
Diluted (in dollars per share)	$ 0.43	$ 0.45	$ 1.23	$ 1.29

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Consolidated Statements of Comprehensive Income (Unaudited) [Abstract]
Net income	$ 14,535	$ 15,217	$ 41,442	$ 44,179
Other comprehensive income, net of tax
Unrealized net holding gains arising during the period (pre-tax amounts of $1,463,$5,978, $1,798 and $13,719)	878	3,609	1,079	8,284
Reclassification adjustment for net gains related to securities available for sale included in net income (pre-tax amounts of $26, $12, $578 and $98)	(16)	(7)	(347)	(59)
Pension and other benefits:
Amortization of prior service cost and actuarial gains (pre-tax amounts of $989, $417, $2,702 and $1,248)	599	250	1,626	749
Total other comprehensive income	1,461	3,852	2,358	8,974
Comprehensive income	$ 15,996	$ 19,069	$ 43,800	$ 53,153

- 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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+ Details

- 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.

+ References

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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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+ Details

- 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, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Other comprehensive income, net of tax
Unrealized net holding (losses) gains arising during the period, pre-tax amounts	$ 1,463	$ 5,978	$ 1,798	$ 13,719
Reclassification adjustment for net gains related to securities available for sale included in net income, pre-tax amounts	26	12	578	98
Amortization of prior service cost and actuarial gains, pre-tax amounts	$ 989	$ 417	$ 2,702	$ 1,248

- 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.

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 18, 19
-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
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-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)
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-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
-Publisher FASB
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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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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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-Number 51
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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

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in-Capital [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Common Stock in Treasury [Member]	Total
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	0	(20,439)	0	0	(20,439)
Purchase of treasury stock	0	0	0	0	(30,502)	(30,502)
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit	0	(420)	(137)	0	1,185	628
Stock-based compensation	0	2,436	0	0	0	2,436
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
Beginning Balance at Dec. 31, 2011	380	317,329	329,981	(6,104)	(103,476)	538,110
Net income	0	0	41,442	0	0	41,442
Cash dividends	0	0	(19,966)	0	0	(19,966)
Purchase of treasury stock	0	0	0	0	(15,490)	(15,490)
Net issuance of shares for acquisition	13	25,811	0	0	0	25,824
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit	0	(764)	(196)	0	1,785	825
Stock-based compensation	0	3,558	0	0	0	3,558
Other comprehensive income	0	0	0	2,358	0	2,358
Ending Balance at Sep. 30, 2012	$ 393	$ 345,934	$ 351,261	$ (3,746)	$ (117,181)	$ 576,661

- 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
-Paragraph 22, 23, 24, 25
-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
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-Name Accounting Standards Codification
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Reference 6: http://www.xbrl.org/2003/role/presentationRef
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Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
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-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, 2012	Sep. 30, 2011
Consolidated Statements of Stockholders' Equity (Unaudited) [Abstract]
Cash dividends - per share (in dollars per share)	$ 0.60	$ 0.60
Purchase of treasury shares (in shares)	769,568	1,458,609
Net issuance of shares for acquisition (in shares)	1,269,592
Net issuance of shares to employee benefit plans and other stock plans, including tax benefit (in shares)	85,943	59,128

- Definition

Number of shares of stock issued during the period pursuant to acquisitions.

+ References + Details

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Operating activities
Net income	$ 41,442	$ 44,179
Adjustments to reconcile net income to net cash provided by operating activities
Provision for loan and lease losses	13,329	15,161
Depreciation and amortization of premises and equipment	4,636	4,023
Net accretion on securities	1,766	939
Amortization of intangible assets	2,530	2,286
Stock based compensation	3,558	2,436
Bank owned life insurance income	(2,228)	(2,369)
Purchases of trading securities	(705)	(404)
Unrealized (gains) losses in trading securities	(84)	247
Deferred income tax benefit	(2,735)	(4,003)
Proceeds from sales of loans held for sale	37,922	3,257
Originations and purchases of loans held for sale	(47,263)	(2,445)
Net gains on sales of loans held for sale	(1,352)	(2)
Net security gains	(578)	(98)
Net gain on sales of other real estate owned	(602)	(712)
Net decrease in other assets	9,316	3,499
Net (decrease) increase in other liabilities	(1,213)	1,532
Net cash provided by operating activities	57,739	67,526
Investing activities
Net cash provided by (used in) acquisitions	53,121	(1,000)
Securities available for sale:
Proceeds from maturities, calls, and principal paydowns	381,160	360,358
Proceeds from sales	1,791	118
Purchases	(329,378)	(387,855)
Securities held to maturity:
Proceeds from maturities, calls, and principal paydowns	24,428	39,766
Purchases	(14,959)	(14,580)
Net increase in loans	(234,330)	(115,065)
Net (increase) decrease in Federal Reserve and FHLB stock	(672)	226
Purchases of premises and equipment	(4,805)	(5,677)
Proceeds from sales of other real estate owned	2,411	2,073
Net cash (used in) provided by investing activities	(121,233)	(121,636)
Financing activities
Net increase in deposits	156,761	130,712
Net increase in short-term borrowings	(44,227)	(1,149)
Repayments of long-term debt	(3,350)	(2,143)
Issuance of long-term debt	0	156
Excess tax benefit from exercise of stock options	(13)	(95)
Proceeds from the issuance of shares to employee benefit plans and other stock plans	838	723
Purchase of treasury stock	(15,490)	(30,502)
Cash dividends and payment for fractional shares	(19,966)	(20,439)
Net cash provided by financing activities	74,553	77,263
Net increase in cash and cash equivalents	11,059	23,153
Cash and cash equivalents at beginning of period	129,381	168,792
Cash and cash equivalents at end of period	140,440	191,945
Cash paid during the period for:
Interest	26,951	30,774
Income taxes paid	18,457	22,537
Noncash investing activities:
Loans transferred to OREO	1,503	1,110
Acquisitions:
Fair value of assets acquired	257,865	3,460
Fair value of liabilities assumed	285,012	3,426
Fair value of debt issued in purchase combination	$ 150	$ 2,460

Description of Business

9 Months Ended

Sep. 30, 2012

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, western Massachusetts, and southern New Hampshire market areas.

Basis of Presentation

9 Months Ended

Sep. 30, 2012

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. The Company has evaluated subsequent events for potential recognition and/or disclosure and there were none identified.

- 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
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
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-URI http://asc.fasb.org/extlink&oid=6359553&loc=d3e288-107754

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-Name Accounting Standards Codification
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Reference 16: http://www.xbrl.org/2003/role/presentationRef
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-Paragraph 8, C1, C7
-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

Acquisition

9 Months Ended

Sep. 30, 2012

Acquisition [Abstract]

Acquisition

Note 3.

Acquisition

On June 8, 2012, the Company acquired all of the outstanding common shares of Hampshire First Bank ("Hampshire First"). The five banking centers operated by Hampshire First located in Manchester, Londonderry, Nashua, Keene and Portsmouth, New Hampshire will continue to do business under the Hampshire First name as a division of the Bank. This business combination is a strategic extension of the Company's franchise and the combination was negotiated between the companies and was approved unanimously by their boards of directors.

Hampshire First shareholders received approximately 1.3 million shares of the Company's common stock and $17.2 million in cash. On the acquisition date, Hampshire First had approximately 2.8 million outstanding common shares. Under the terms of the merger agreement between the Company, the Bank and Hampshire First, the Company paid $15.00 per share for 35% of the outstanding Hampshire First common shares and the remaining 65% of outstanding Hampshire First shares received 0.7019 shares of the Company's common stock for each share. Approximately 1.3 million shares of the Company's common stock issued in this exchange were valued at $20.34 per share based on the average of the daily closing price of the Company's stock for the ten trading days immediately prior to June 8, 2012. The Company paid $2.6 million in cash to retire outstanding Hampshire First stock options and warrants.

The results of Hampshire First's operations are included in the Consolidated Statements of Income from the date of acquisition. In connection with the merger, the consideration paid, the assets acquired, and the liabilities assumed were recorded at fair value on the date of acquisition, as summarized in the following tables, in thousands, as of June 8, 2012:

Consideration Paid:
NBT Bancorp common stock issued to Hampshire First common stockholders	$	25,824
Cash consideration paid to Hampshire First common stockholders		14,616
Cash consideration paid for Hampshire First employee stock options and warrants		2,583
Total consideration paid	$	43,023

Recognized Amounts of Identifiable Assets Acquired and (Liabilities Assumed), At Fair Value:
Cash and short term investments	$	22,149
Loans		218,801
Federal Home Loan Bank common stock		1,014
Core deposit intangibles		797
Other assets		12,926
Deposits		(228,198	)
Borrowings		(41	)
Other liabilities		(2,848	)
Total identifiable net assets	$	24,600

Goodwill	$	18,423

The fair values for most loans acquired from Hampshire were estimated using cash flow projections based on the remaining maturity and repricing terms. Cash flows were adjusted by estimating future credit losses and the rate of prepayments. Projected monthly cash flows were then discounted to present value using a risk-adjusted market rate for similar loans. To estimate the fair value of collateral dependent problem loans, we analyzed the value of the underlying collateral of the loans, assuming the fair values of the loans were derived from the eventual sale of the collateral. We discounted those values using market derived rates of return, with consideration given to the period of time and costs associated with the foreclosure and disposition of the collateral. There was no carryover of Hampshire First's allowance for credit losses associated with the loans we acquired as the loans were initially recorded at fair value.

Information about the acquired loan portfolio as of June 8, 2012 is as follows (in thousands):

Contractually required principal and interest at acquisition	$	226,631
Contractual cash flows not expected to be collected		(7,985	)
Expected cash flows at acquisition		218,646
Interest component of expected cash flows (accretable premium)		155
Fair value of acquired loans	$	218,801

The core deposit intangible asset recognized as part of the Hampshire First merger is being amortized over its estimated useful life of approximately ten years utilizing an accelerated method.

The goodwill is not amortized for book purposes and is not deductible for tax purposes.

The fair value of savings and transaction deposit accounts acquired from Hampshire was assumed to approximate the carrying value as these accounts have no stated maturity and are payable on demand. Certificates of deposit were valued by comparing the contractual cost of the portfolio to an identical portfolio bearing current market rates. The projected cash was calculated by discounting their contractual cash flows at a market rate for a certificate of deposit with a corresponding maturity.

- Definition

The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 88-16
-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 141
-Paragraph 51, 52
-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 141R
-Appendix F
-Paragraph F4
-Subparagraph e

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 67-73
-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
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-Topic 805
-SubTopic 30
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6911361&loc=d3e6927-128479

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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+ Details

Subsequent Events

9 Months Ended

Sep. 30, 2012

Subsequent Events [Abstract]

Subsequent Events [Text Block]

Note 4.

Subsequent Event

On October 7, 2012, the Company and Alliance Financial Corporation ("Alliance") entered into a definitive agreement and plan of merger pursuant to which Alliance will merge with and into NBT Bancorp, with NBT Bancorp continuing as the surviving corporation. The agreement also provides for Alliance Bank, N.A., a wholly-owned subsidiary of Alliance, to be merged with and into the Bank following completion of the merger. Alliance, with assets of approximately $1.4 billion at June 30, 2012, is headquartered in Syracuse, N.Y. Its primary subsidiary, Alliance Bank, N.A., is a nationally-chartered community bank with 28 banking locations in central New York. The transaction is valued at approximately $233.4 million, to be paid in the form of shares of the Company's common stock. Subject to the required approvals of NBT Bancorp and Alliance shareholders, requisite regulatory approvals and other customary closing conditions, the merger is expected to be completed in the early 2013.

Use of Estimates

9 Months Ended

Sep. 30, 2012

Use of Estimates [Abstract]

Use of Estimates

Note 5.

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 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 losses is the amount which, in the opinion of management, is necessary to absorb probable losses inherent in the loan 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 losses are made periodically by charges or credits to the provision for loan losses.

The allowance for loan 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 losses is adequate. While management uses available information to recognize loan losses, future additions or reductions to the allowance for loan 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 losses. Such agencies may require the Company to recognize additions to the allowance for loan 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 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, 2012 or December 31, 2011. 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 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.

Beginning in June 2012 with the acquisition of Hampshire First Bank, the Bank offers interest rate swap agreements to its customers. These agreements allow the Bank's customers to effectively fix the interest rate on a variable rate loan by entering into a separate agreement. Simultaneous with the execution of such an agreement with a customer, the Bank enters into a matching interest rate swap agreement with an unrelated third party provider, which allows the Bank to continue to receive the historical variable rate under the loan agreement with the customer. The agreement with the third party is not a hedge contract therefore changes in fair value are recorded through earnings. Assets and liabilities associated with the agreements are recorded in other assets and other liabilities on the balance sheet. Gains and losses are recorded as other noninterest income. The Bank is not subject to any fee or penalty should the customer elect to terminate the interest rate swap agreement prior to maturity. The Bank is exposed to credit loss equal to the fair value of the derivatives (not the notional amount of the derivatives) in the event of nonperformance by the counterparty to the interest rate swap agreements. Additionally, the Bank receives a fee from the customer that is recognized when the Bank has fulfilled its obligations under each agreement, which is generally upon execution of the agreement with the Bank's customer. Since the terms of the two interest rate swap agreements are identical, the income statement impact to the Bank is limited to the fees it receives from the customer. The Bank recognized minimal fee income for the nine months ended September 30, 2012. At September 30, 2012, the Bank maintained a $1.6 million deposit with the counterparty to collateralize the swap agreements.

Commitments and Contingencies

9 Months Ended

Sep. 30, 2012

Commitments and Contingencies [Abstract]

Commitments and Contingent Liabilities

Note 6.

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 $861.7 million at September 30, 2012 and $764.9 million at December 31, 2011. 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 $33.0 million at September 30, 2012 and $26.8 million at December 31, 2011. As of September 30, 2012, 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 $8.3 million at September 30, 2012 and $15.2 million at December 31, 2011. As of September 30, 2012, 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

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+ Details

Allowance for Loan Losses and Credit Quality of Loans

9 Months Ended

Sep. 30, 2012

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

Allowance for Loan Losses and Credit Quality of Loans

Note 7.

Allowance for Loan Losses and Credit Quality of Loans

Allowance for Loan Losses

The allowance for loan losses is maintained at a level estimated by management to provide adequately for risk of probable losses inherent in the current loan portfolio. The adequacy of the allowance for loan losses is continuously monitored. It is assessed for adequacy using a methodology designed to ensure the level of the allowance reasonably reflects the loan 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 portfolio.

To develop and document a systematic methodology for determining the allowance for loan 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 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 business banking customers including term loans, business banking 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 borrower 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 Loss Calculation

Management considers the accounting policy related to the allowance for loan 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, 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 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 losses are made periodically by charges or credits to the provision for loan 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, 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 losses by portfolio segment for the three and nine months ended September 30, 2012 and September 30, 2011:

Allowance for Loan Losses

(in thousands)

							Residential
	Commercial			Consumer			Real Estate
	Loans			Loans			Mortgages			Unallocated			Total
Balance as of June 30, 2012	$	37,495		$	27,235		$	5,943		$	61		$	70,734
Charge-offs		(1,904	)		(3,446	)		(480	)		-			(5,830	)
Recoveries		492			574			9			-			1,075
Provision		1,734			2,213			809			(1	)		4,755
Ending Balance as of September 30, 2012	$	37,817		$	26,576		$	6,281		$	60		$	70,734

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

							Residential
	Commercial			Consumer			Real Estate
	Loans			Loans			Mortgages			Unallocated			Total
Balance as of December 31, 2011	$	38,831		$	26,049		$	6,249		$	205		$	71,334
Charge-offs		(4,685	)		(11,237	)		(1,130	)		-			(17,052	)
Recoveries		1,180			1,918			25			-			3,123
Provision		2,491			9,846			1,137			(145	)		13,329
Ending Balance as of September 30, 2012	$	37,817		$	26,576		$	6,281		$	60		$	70,734

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

The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segment as of September 30, 2012 and December 31, 2011:

Allowance for Loan Losses and Recorded Investment in Loans

(in thousands)

					Residential
	Commercial		Consumer		Real Estate
	Loans		Loans		Mortgages		Unallocated		Total
As of September 30, 2012

Allowance for loan losses	$	37,817	$	26,576	$	6,281	$	60	$	70,734

Allowance for loans individually evaluated for impairment		2,720		-		-				2,720

Allowance for loans collectively evaluated for impairment	$	35,097	$	26,576	$	6,281	$	60	$	68,014

Ending balance of loans	$	1,992,891	$	1,607,780	$	650,448			$	4,251,119

Ending balance of loans individually evaluated for impairment		13,017		-		-				13,017

Ending balance of loans collectively evaluated for impairment	$	1,979,874	$	1,607,780	$	650,448			$	4,238,102

As of December 31, 2011

Allowance for loan losses	$	38,831	$	26,049	$	6,249	$	205	$	71,334

Allowance for loans individually evaluated for impairment		175		-		-				175

Allowance for loans collectively evaluated for impairment	$	38,656	$	26,049	$	6,249	$	205	$	71,159

Ending balance of loans	$	1,702,577	$	1,516,115	$	581,511			$	3,800,203

Ending balance of loans individually evaluated for impairment		6,219		-		-				6,219

Ending balance of loans collectively evaluated for impairment	$	1,696,358	$	1,516,115	$	581,511			$	3,793,984

Credit Quality of Loans

Loans are placed on nonaccrual status when timely collection of principal and interest in accordance with contractual terms is doubtful. Loans 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 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 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
As of September 30, 2012

(In thousands)	September 30, 2012		December 31, 2011
Commercial Loans
Commercial	$	6,915	$	1,699
Commercial Real Estate		6,432		4,868
Agricultural		2,587		3,307
Agricultural Real Estate		1,195		2,067
Business Banking		5,921		7,446
		23,050		19,387
Consumer Loans
Indirect		1,703		1,550
Home Equity		8,126		7,931
Direct		257		378
		10,086		9,859

Residential Real Estate Mortgages		9,525		9,044

Total Nonaccrual	$	42,661	$	38,290

The increase in nonaccrual commercial and commercial real estate loans from December 31, 2011 to September 30, 2012 was due primarily to one commercial relationship which moved to nonaccrual status during the first quarter. This relationship has been reviewed quarterly and as a result was specifically reserved for by the Company during the first and second quarters of 2012.

The following tables set forth information with regard to past due and nonperforming loans by loan class as of September 30, 2012 and December 31, 2011:

Age Analysis of Past Due Financing Receivables

As of September 30, 2012

(in thousands)

					Greater Than
	31-60 Days		61-90 Days		90 Days		Total						Recorded
	Past Due		Past Due		Past Due		Past Due						Total
	Accruing		Accruing		Accruing		Accruing		Non-Accrual		Current		Loans
Commercial Loans
Commercial	$	707	$	149	$	-	$	856	$	6,915	$	594,775	$	602,546
Commercial Real Estate		1,455		138		-		1,593		6,432		1,012,695		1,020,720
Agricultural		-		-		-		-		2,587		64,187		66,774
Agricultural Real Estate		-		-		-		-		1,195		35,348		36,543
Business Banking		1,114		555		80		1,749		5,921		258,638		266,308
		3,276		842		80		4,198		23,050		1,965,643		1,992,891

Consumer Loans
Indirect		9,406		1,729		978		12,113		1,703		948,803		962,619
Home Equity		5,478		888		573		6,939		8,126		561,143		576,208
Direct		705		130		47		882		257		67,814		68,953
		15,589		2,747		1,598		19,934		10,086		1,577,760		1,607,780

Residential Real Estate Mortgages		2,240		170		1,285		3,695		9,525		637,228		650,448
	$	21,105	$	3,759	$	2,963	$	27,827	$	42,661	$	4,180,631	$	4,251,119

Age Analysis of Past Due Financing Receivables

As of December 31, 2011

(in thousands)

					Greater Than
	31-60 Days		61-90 Days		90 Days		Total						Recorded
	Past Due		Past Due		Past Due		Past Due						Total
	Accruing		Accruing		Accruing		Accruing		Non-Accrual		Current		Loans
Commercial Loans
Commercial	$	663	$	50	$	-	$	713	$	1,699	$	508,662	$	511,074
Commercial Real Estate		1,942		-		-		1,942		4,868		828,089		834,899
Agricultural		77		13		-		90		3,307		63,140		66,537
Agricultural Real Estate		-		-		50		50		2,067		31,809		33,926
Business Banking		1,871		1,024		-		2,895		7,446		245,800		256,141
		4,553		1,087		50		5,690		19,387		1,677,500		1,702,577

Consumer Loans
Indirect		12,141		2,584		1,283		16,008		1,550		855,545		873,103
Home Equity		5,823		1,277		954		8,054		7,931		553,660		569,645
Direct		831		191		140		1,162		378		71,827		73,367
		18,795		4,052		2,377		25,224		9,859		1,481,032		1,516,115

Residential Real Estate Mortgages		2,003		139		763		2,905		9,044		569,562		581,511
	$	25,351	$	5,278	$	3,190	$	33,819	$	38,290	$	3,728,094	$	3,800,203

There were no material commitments to extend further credit to borrowers with nonperforming loans. Within nonaccrual loans, there are approximately $2.3 million and $4.0 million of troubled debt restructured loans at September 30, 2012 and December 31, 2011, respectively. This decrease was due primarily to the migration of certain commercial loans to accruing status during the first nine months of 2012.

Impaired loans, which primarily consist of nonaccruing commercial, commercial real estate, agricultural, agricultural real estate and business banking loans were $25.9 million at September 30, 2012 and $22.4 million at December 31, 2011.

The methodology used to establish the allowance for loan 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 impaired as defined by accounting standards, 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. All impaired loans are reviewed on a quarterly basis for changes in the measurement of impairment. 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, 2012, $6.1 million of the total impaired loans had a specific reserve allocation of $2.7 million compared to $.5 million of impaired loans at December 31, 2011 which had a specific reserve allocation of $0.2 million.

The following table provides additional information on impaired loans and specific reserve allocations as of September 30, 2012 and December 31, 2011:

	September 30, 2012						December 31, 2011
	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	$	851	$	1,257			$	1,243	$	2,723
Commercial Real Estate		6,432		8,396				4,868		7,165
Agricultural		2,587		3,567				3,307		4,166
Agricultural Real Estate		1,195		1,382				2,067		2,288
Business Banking		5,921		8,078				7,446		9,976
Total Commercial Loans		16,986		22,680				18,931		26,318

Consumer Loans
Home Equity		1,777		1,879				2,000		2,103

Residential Real Estate Mortgages		1,105		1,275				1,040		1,125
	$	19,868	$	25,834			$	21,971	$	29,546

With an allowance recorded:
Commercial Loans
Commercial	$	6,064	$	6,113	$	2,720	$	456	$	808	$	175
Commercial Real Estate		-		-		-		-		-		-
Agricultural		-		-		-		-		-		-
Agricultural Real Estate		-		-		-		-		-		-
		6,064		6,113		2,720		456		808		175

Total:	$	25,932	$	31,947	$	2,720	$	22,427	$	30,354	$	175

The increase in commercial loans with a related allowance recorded from December 31, 2011 to September 30, 2012 is primarily due to the impairment of two commercial relationships during the nine months ended September 30, 2012.

The following table summarizes the average recorded investments on impaired loans and the interest income recognized for the three months ended September 30, 2012 and September 30, 2011:

	For the three months ended
	September 30, 2012						September 30, 2011
	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	$	854	$	9	$	9	$	1,794	$	3	$	3
Commercial Real Estate		6,732		16		16		6,106		14		14
Agricultural		2,627		51		51		3,516		59		59
Agricultural Real Estate		1,348		3		3		1,874		34		34
Business Banking		6,169		70		70		7,655		101		101
Consumer Loans
Home Equity		1,783		18		18		2,312		26		26
Residential Real Estate Mortgages		1,111		17		17		1,059		26		26
	$	20,624	$	184	$	184	$	24,316	$	263	$	263

With an allowance recorded:
Commercial Loans
Commercial	$	6,091	$	34	$	34	$	520	$	19	$	19
Commercial Real Estate		-		-		-		-		-		-
Agricultural		-		-		-		23		1		1
Agricultural Real Estate		-		-		-		-		-		-
	$	6,091	$	34	$	34	$	543	$	20	$	20

Total:	$	26,715	$	218	$	218	$	24,859	$	283	$	283

The following table summarizes the average recorded investments on impaired loans and the interest income recognized for the nine months ended September 30, 2012 and September 30, 2011:

	For the nine months ended
	September 30, 2012						September 30, 2011
	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	$	1,319	$	23	$	23	$	2,625	$	76	$	76
Commercial Real Estate		6,564		48		48		4,728		59		59
Agricultural		2,873		159		159		2,903		104		104
Agricultural Real Estate		1,734		13		13		1,622		72		72
Business Banking		6,824		166		166		5,662		203		203
Consumer Loans
Home Equity		1,840		66		66		1,851		84		84
Residential Real Estate Mortgages		1,066		73		73		887		53		53
	$	22,220	$	548	$	548	$	20,278	$	651	$	651

With an allowance recorded:
Commercial Loans
Commercial	$	4,178	$	43	$	43	$	991	$	68	$	68
Commercial Real Estate		-		-		-		382		-		-
Agricultural		-		-		-		1,055		68		68
Agricultural Real Estate		-		-		-		475		18		18
	$	4,178	$	43	$	43	$	2,903	$	154	$	154

Total:	$	26,397	$	591	$	591	$	23,181	$	805	$	805

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 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, 2012 and December 31, 2011:

Credit Quality Indicators

As of September 30, 2012


Commercial Credit Exposure By Internally Assigned Grade:	Commercial		Commercial Real Estate		Agricultural		Agricultural Real Estate		Total
Pass	$	565,546	$	948,966	$	59,545	$	32,213	$	1,606,270
Special Mention		11,371		23,967		13		3		35,354
Substandard		22,656		47,787		7,168		4,327		81,938
Doubtful		2,973		-		48		-		3,021
Total	$	602,546	$	1,020,720	$	66,774	$	36,543	$	1,726,583

Business Banking Credit Exposure
By Internally Assigned Grade:	Business Banking								Total
Non-classified	$	251,284							$	251,284
Classified		15,024								15,024
Total	$	266,308							$	266,308

Consumer Credit Exposure By Payment Activity:	Indirect		Home Equity		Direct		Total
Performing	$	959,938	$	567,509	$	68,649	$	1,596,096
Nonperforming		2,681		8,699		304		11,684
Total	$	962,619	$	576,208	$	68,953	$	1,607,780

Residential Mortgage Credit Exposure	Residential
By Payment Activity:	Mortgage		Total
Performing	$	639,638	$	639,638
Nonperforming		10,810		10,810
Total	$	650,448	$	650,448

Credit Quality Indicators

As of December 31, 2011

Commercial Credit Exposure			Commercial				Agricultural
By Internally Assigned Grade:	Commercial		Real Estate		Agricultural		Real Estate		Total
Pass	$	470,332	$	758,673	$	58,481	$	28,927	$	1,316,413
Special Mention		10,346		24,478		42		10		34,876
Substandard		29,940		51,748		7,945		4,989		94,622
Doubtful		456		-		69		-		525
Total	$	511,074	$	834,899	$	66,537	$	33,926	$	1,446,436

Business Banking Credit Exposure	Business
By Internally Assigned Grade:	Banking		Total
Non-classified	$	237,887	$	237,887
Classified		18,254		18,254
Total	$	256,141	$	256,141

Consumer Credit Exposure
By Payment Activity:	Indirect		Home Equity		Direct		Total
Performing	$	870,270	$	560,760	$	72,849	$	1,503,879
Nonperforming		2,833		8,885		518		12,236
Total	$	873,103	$	569,645	$	73,367	$	1,516,115

Residential Mortgage Credit Exposure	Residential
By Payment Activity:	Mortgage		Total
Performing	$	571,704	$	571,704
Nonperforming		9,807		9,807
Total	$	581,511	$	581,511

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.

There were no new modifications made during the three month period ending September 30, 2012. During the three month period ending September 30, 2012 there were no defaults on loans modified within the previous 12 months.

Modifications made during the three month period ending September 30, 2011 consisted of three commercial loans totaling $0.8 million. 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 defaults on previously modified loans.

Modifications made during the nine month period ending September 30, 2012 consisted of one commercial loan totaling $1.0 million and one residential real estate mortgage totaling $0.2 million. For all such modifications, the pre and post outstanding recorded investment amount remained unchanged. During the nine month period ending September 30, 2012 there were no defaults on loans modified within the previous 12 months.

Modifications during the nine month period ending September 30, 2011 consisted of twenty-five home equity modifications totaling $2.3 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 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 defaulted on their renegotiated terms.

Earnings Per Share

9 Months Ended

Sep. 30, 2012

Earnings Per Share [Abstract]

Earnings Per Share

Note 8.

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,	2012		2011
(in thousands, except per share data)
Basic EPS:
Weighted average common shares outstanding		33,619		33,324
Net income available to common shareholders		14,535		15,217
Basic EPS	$	0.43	$	0.46
Diluted EPS:
Weighted average common shares outstanding		33,619		33,324
Dilutive effect of common stock options and restricted stock		342		243
Weighted average common shares and common share equivalents		33,961		33,567
Net income available to common shareholders		14,535		15,217
Diluted EPS	$	0.43	$	0.45

Nine months ended September 30,		2012		2011
(in thousands, except per share data)
Basic EPS:
Weighted average common shares outstanding		33,293		33,897
Net income available to common shareholders		41,442		44,179
Basic EPS	$	1.24	$	1.30
Diluted EPS:
Weighted average common shares outstanding		33,293		33,897
Dilutive effect of common stock options and restricted stock		333		262
Weighted average common shares and common share equivalents		33,626		34,159
Net income available to common shareholders		41,442		44,179
Diluted EPS	$	1.23	$	1.29

There were 1,176,670 stock options for the quarter ended September 30, 2012 and 1,651,159 stock options for the quarter ended September 30, 2011 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 1,197,417 stock options for the nine months ended September 30, 2012 and 1,239,021 stock options for the nine months ended September 30, 2011 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.

Defined Benefit Postretirement Plans

9 Months Ended

Sep. 30, 2012

Defined Benefit Postretirement Plans [Abstract]

Defined Benefit Postretirement Plans

Note 9.

Defined Benefit Postretirement Plans

The Company has a qualified, noncontributory, defined benefit pension plan covering substantially all of its employees at September 30, 2012. 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. 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:	2012			2011			2012			2011
Service cost	$	757		$	668		$	6		$	5
Interest cost		774			874			40			57
Expected return on plan assets		(1,676	)		(1,914	)		-			-
Net amortization		992			408			(3	)		9
Total cost	$	847		$	36		$	43		$	71

	Pension Benefits						Other Benefits
	Nine months ended September 30,						Nine months ended September 30,
Components of net periodic benefit cost:	2012			2011			2012			2011
Service cost	$	2,270		$	2,003		$	16		$	15
Interest cost		2,322			2,621			119			171
Expected return on plan assets		(5,026	)		(5,742	)		-			-
Net amortization		2,710			1,221			(8	)		27
Total cost	$	2,276		$	103		$	127		$	213

The Company is not required to make contributions to the plans in 2012, and did not do so during the nine months ended September 30, 2012.

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.

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-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.

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-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
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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 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 8
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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 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)
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-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
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+ Details

Trust Preferred Debentures

9 Months Ended

Sep. 30, 2012

Trust Preferred Debentures [Abstract]

Trust Preferred Debentures

Note 10.

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.

As of September 30, 2012, 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, 2012

Fair Values of Financial Instruments [Abstract]

Fair Values of Financial Instruments

Note 11.

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 three and nine month periods ending September 30, 2012, 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):

September 30, 2012:

	Quoted Prices in		Significant Other		Significant
	Active Markets for		Observable		Unobservable		Balance
	Identical Assets		Inputs		Inputs		as of
	(Level 1)		(Level 2)		(Level 3)		September 30, 2012
Assets:
Securities Available for Sale:
U.S. Treasury	$	64,662	$	-	$	-	$	64,662
Federal Agency		-		296,158		-		296,158
State & municipal		-		92,504		-		92,504
Mortgage-backed		-		279,596		-		279,596
Collateralized mortgage obligations		-		446,887		-		446,887
Other securities		9,210		2,090		-		11,300
Total Securities Available for Sale	$	73,872	$	1,117,235	$	-	$	1,191,107
Trading Securities		3,851		-		-		3,851
Interest Rate Swaps		-		1,490		-		1,490
Total	$	77,723	$	1,118,725	$	-	$	1,196,448

Liabilities:
Interest Rate Swaps	$	-	$	1,490	$	-	$	1,490
Total	$	-	$	1,490	$	-	$	1,490

December 31, 2011:

	Quoted Prices in		Significant Other		Significant
	Active Markets for		Observable		Unobservable		Balance
	Identical Assets		Inputs		Inputs		as of
	(Level 1)		(Level 2)		(Level 3)		December 31, 2011
Assets:
Securities Available for Sale:
U.S. Treasury	$	82,233	$	-	$	-	$	82,233
Federal Agency		-		255,846		-		255,846
State & municipal		-		104,789		-		104,789
Mortgage-backed		-		325,397		-		325,397
Collateralized mortgage obligations		-		465,475		-		465,475
Other securities		8,825		2,054		-		10,879
Total Securities Available for Sale	$	91,058	$	1,153,561	$	-	$	1,244,619
Trading Securities		3,062		-		-		3,062
Total	$	94,120	$	1,153,561	$	-	$	1,247,681

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, 2012 was related to 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, 2012 and December 31, 2011. This table excludes financial instruments for which the carrying amount approximates fair value. Financial instruments for which the fair value approximates carrying value include cash and cash equivalents, securities available for sale, trading securities, accrued interest receivable, non-maturity deposits, short-term borrowings, accrued interest payable, and interest rate swaps.

			September 30, 2012				December 31, 2011
(In thousands)	Fair Value Hierarchy		Carrying amount		Estimated fair value		Carrying amount		Estimated fair value
Financial assets
Securities held to maturity		2		61,302		62,401		70,811		72,198
Net loans		3		4,180,385		4,298,990		3,728,869		3,821,640
Financial liabilities
Time deposits		2		1,018,957		1,028,110		933,127		942,437
Long-term debt		2		367,144		418,349		370,344		427,107
Trust Preferred Debentures		3		75,422		57,123		75,422		55,980

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.

Securities Held to Maturity

The fair value of the Company's investment securities held to maturity is primarily measured using information from a third party pricing service. 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.

Net Loans

The fair value of the Company's loans was estimated by discounting the expected future cash flows using the current interest rates at which similar loans would be made for the same remaining maturities. Loans were first segregated by type, and then further segmented into fixed and variable rate and loan quality categories. Expected future cash flows were projected based on contractual cash flows, adjusted for estimated prepayments.

Time Deposits

The fair value of time deposits was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments. The fair values of the Company's time deposit liabilities do not take into consideration the value of the Company's long-term relationships with depositors, which may have significant value.

Long-Term Debt

The fair value of long-term debt was estimated using a discounted cash flow approach that applies prevailing market interest rates for similar maturity instruments.

Trust Preferred Debentures

The fair value of trust preferred debentures has been estimated using a discounted cash flow analysis.

- 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
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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+ Details

Securities

9 Months Ended

Sep. 30, 2012

Securities [Abstract]

Securities

Note 12.

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, 2012
U.S. Treasury	$	63,747	$	915	$	-	$	64,662
Federal Agency		294,503		1,655		-		296,158
State & municipal		87,786		4,718		-		92,504
Mortgage-backed		264,073		15,523		-		279,596
Collateralized mortgage obligations		440,383		6,504		-		446,887
Other securities		8,711		2,668		79		11,300
Total securities available for sale	$	1,159,203	$	31,983	$	79	$	1,191,107
December 31, 2011
U.S. Treasury	$	81,006	$	1,228	$	-	$	82,234
Federal Agency		254,983		879		16		255,846
State & municipal		99,176		5,624		11		104,789
Mortgage-backed		310,767		14,629		-		325,396
Collateralized mortgage obligations		459,067		6,458		51		465,474
Other securities		8,935		2,021		76		10,880
Total securities available for sale	$	1,213,934	$	30,839	$	154	$	1,244,619

In the available for sale category at September 30, 2012, federal agency securities were comprised of Government-Sponsored Enterprise ("GSE") securities; mortgaged-backed securities were comprised of GSE securities with an amortized cost of $246.6 million and a fair value of $260.3 million and US Government Agency securities with an amortized cost of $17.5 million and a fair value of $19.3 million; collateralized mortgage obligations were comprised of GSE securities with an amortized cost of $387.5 million and a fair value of $394.2 million and US Government Agency securities with an amortized cost of $50.9 million and a fair value of $52.7 million.

In the available for sale category at December 31, 2011, federal agency securities were comprised of GSE securities; mortgaged-backed securities were comprised of GSEs with an amortized cost of $290.2 million and a fair value of $303.0 million and US Government Agency securities with an amortized cost of $20.5 million and a fair value of $22.4 million; CMOs were comprised of GSEs with an amortized cost of $398.3 million and a fair value of $402.4 million and US Government Agency securities with an amortized cost of $60.8 million and a fair value of $63.1 million. At December 31, 2011, all of the mortgaged-backed securities held to maturity were comprised of US Government Agency securities

Others securities primarily represent marketable equity securities.

Proceeds from the sales of securities available for sale were $1.8 million during the nine months ended September 30, 2012, and gains on the sales were $0.4 million. Proceeds from the sales of securities available for sale were nominal during the nine month period ending September 30, 2011, and gains on these sales were negligible.

Securities with amortized costs totaling $1.2 billion at September 30, 2012 and December 31, 2011, were pledged to secure public deposits and for other purposes required or permitted by law. Additionally, at September 30, 2012 and December 31, 2011, securities available for sale with an amortized cost of $210.4 million and $141.7 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, 2012
Mortgage-backed	$	1,252	$	203	$	-	$	1,455
State & municipal		60,050		896		-		60,946
Total securities held to maturity	$	61,302	$	1,099	$	-	$	62,401
December 31, 2011
Mortgage-backed	$	1,447	$	213	$	-	$	1,660
State & municipal		69,364		1,174		-		70,538
Total securities held to maturity	$	70,811	$	1,387	$	-	$	72,198

The following table sets forth information with regard to investment securities with unrealized losses at September 30, 2012 and December 31, 2011:

	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, 2012
U.S. Treasury	$	-	$	-			-	$	-	$	-			-	$	-	$	-			-
Federal agency		-		-			-		-		-			-		-		-			-
State & municipal		-		-			-		-		-			-		-		-			-
Mortgage-backed		-		-			-		-		-			-		-		-			-
Collateralized mortgage obligations		-		-			-		-		-			-		-		-			-
Other securities		-		-			-		169		(79	)		1		169		(79	)		1
Total securities with unrealized losses	$	-	$	-			-	$	169	$	(79	)		1	$	169	$	(79	)		1

December 31, 2011
U.S. Treasury	$	-	$	-			-	$	-	$	-			-	$	-	$	-			-
Federal agency		34,996		(16	)		3		-		-			-		34,996		(16	)		3
State & municipal		957		(10	)		3		377		(1	)		2		1,334		(11	)		5
Mortgage-backed		-		-			-		-		-			-		-		-			-
Collateralized mortgage obligations		27,368		(51	)		3		-		-			-		27,368		(51	)		3
Other securities		645		(76	)		2		-		-			-		645		(76	)		2
Total securities with unrealized losses	$	63,966	$	(153	)		11	$	377	$	(1	)		2	$	64,343	$	(154	)		13

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, 2012, 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, 2012, 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, 2012:

(In thousands)	Amortized cost		Estimated fair value
Debt securities classified as available for sale
Within one year	$	26,616	$	26,807
From one to five years		262,685		265,541
From five to ten years		273,272		282,328
After ten years		587,919		605,131
	$	1,150,492	$	1,179,807
Debt securities classified as held to maturity
Within one year	$	24,501	$	24,577
From one to five years		27,735		28,476
From five to ten years		6,380		6,459
After ten years		2,686		2,889
	$	61,302	$	62,401

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 securities, there were no holdings, when taken in the aggregate, of any single issuer that exceeded 10% of consolidated stockholders' equity at September 30, 2012.

- 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.

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-Name Accounting Standards Codification
-Topic 310
-SubTopic 30
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-Paragraph 2
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-Name Accounting Standards Codification
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Reference 10: http://www.xbrl.org/2003/role/presentationRef
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-URI http://asc.fasb.org/extlink&oid=6511694
-Topic 320

+ Details

Use of Estimates (Policies)	9 Months Ended
Use of Estimates (Policies)	Sep. 30, 2012
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 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.
Allowance for Loan Losses	The allowance for loan losses is the amount which, in the opinion of management, is necessary to absorb probable losses inherent in the loan 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 losses are made periodically by charges or credits to the provision for loan losses. The allowance for loan 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 losses is adequate. While management uses available information to recognize loan losses, future additions or reductions to the allowance for loan 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 losses. Such agencies may require the Company to recognize additions to the allowance for loan 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.
Other Real Estate Owned Policy	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 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	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, 2012 or December 31, 2011. 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 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 income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
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-Name FASB Interpretation (FIN)
-Number 48
-Paragraph 20
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Reference 2: http://www.xbrl.org/2003/role/presentationRef
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-Name Statement of Financial Accounting Standard (FAS)
-Number 109
-Paragraph 6-34, 43, 47, 49
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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+ 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
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-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.

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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.

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+ Details

Acquisition (Tables)

9 Months Ended

Sep. 30, 2012

Acquisition [Abstract]

Consideration paid, assets acquired, and liabilities assumed

Consideration Paid:
NBT Bancorp common stock issued to Hampshire First common stockholders	$	25,824
Cash consideration paid to Hampshire First common stockholders		14,616
Cash consideration paid for Hampshire First employee stock options and warrants		2,583
Total consideration paid	$	43,023

Recognized Amounts of Identifiable Assets Acquired and (Liabilities Assumed), At Fair Value:
Cash and short term investments	$	22,149
Loans		218,801
Federal Home Loan Bank common stock		1,014
Core deposit intangibles		797
Other assets		12,926
Deposits		(228,198	)
Borrowings		(41	)
Other liabilities		(2,848	)
Total identifiable net assets	$	24,600

Goodwill	$	18,423

Acquired loan portfolio

Information about the acquired loan portfolio as of June 8, 2012 is as follows (in thousands):

Contractually required principal and interest at acquisition	$	226,631
Contractual cash flows not expected to be collected		(7,985	)
Expected cash flows at acquisition		218,646
Interest component of expected cash flows (accretable premium)		155
Fair value of acquired loans	$	218,801

The core deposit intangible asset recognized as part of the Hampshire First merger is being amortized over its estimated useful life of approximately ten years utilizing an accelerated method.

- Definition

Tabular disclosure of a material business combination completed during the period, including background, timing, and recognized assets and liabilities. This table does not include leveraged buyouts.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141
-Paragraph 51
-Subparagraph a
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-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 68
-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 141R
-Appendix F
-Paragraph F4
-Subparagraph e

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1392-128463

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6972119&loc=d3e1486-128463

+ Details

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

9 Months Ended

Sep. 30, 2012

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

Allowance for loan and lease losses by portfolio

Allowance for Loan Losses

(in thousands)

							Residential
	Commercial			Consumer			Real Estate
	Loans			Loans			Mortgages			Unallocated			Total
Balance as of June 30, 2012	$	37,495		$	27,235		$	5,943		$	61		$	70,734
Charge-offs		(1,904	)		(3,446	)		(480	)		-			(5,830	)
Recoveries		492			574			9			-			1,075
Provision		1,734			2,213			809			(1	)		4,755
Ending Balance as of September 30, 2012	$	37,817		$	26,576		$	6,281		$	60		$	70,734

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

							Residential
	Commercial			Consumer			Real Estate
	Loans			Loans			Mortgages			Unallocated			Total
Balance as of December 31, 2011	$	38,831		$	26,049		$	6,249		$	205		$	71,334
Charge-offs		(4,685	)		(11,237	)		(1,130	)		-			(17,052	)
Recoveries		1,180			1,918			25			-			3,123
Provision		2,491			9,846			1,137			(145	)		13,329
Ending Balance as of September 30, 2012	$	37,817		$	26,576		$	6,281		$	60		$	70,734

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

The following tables illustrate the allowance for loan losses and the recorded investment by portfolio segment as of September 30, 2012 and December 31, 2011:

Allowance for Loan Losses and Recorded Investment in Loans

(in thousands)

					Residential
	Commercial		Consumer		Real Estate
	Loans		Loans		Mortgages		Unallocated		Total
As of September 30, 2012

Allowance for loan losses	$	37,817	$	26,576	$	6,281	$	60	$	70,734

Allowance for loans individually evaluated for impairment		2,720		-		-				2,720

Allowance for loans collectively evaluated for impairment	$	35,097	$	26,576	$	6,281	$	60	$	68,014

Ending balance of loans	$	1,992,891	$	1,607,780	$	650,448			$	4,251,119

Ending balance of loans individually evaluated for impairment		13,017		-		-				13,017

Ending balance of loans collectively evaluated for impairment	$	1,979,874	$	1,607,780	$	650,448			$	4,238,102

As of December 31, 2011

Allowance for loan losses	$	38,831	$	26,049	$	6,249	$	205	$	71,334

Allowance for loans individually evaluated for impairment		175		-		-				175

Allowance for loans collectively evaluated for impairment	$	38,656	$	26,049	$	6,249	$	205	$	71,159

Ending balance of loans	$	1,702,577	$	1,516,115	$	581,511			$	3,800,203

Ending balance of loans individually evaluated for impairment		6,219		-		-				6,219

Ending balance of loans collectively evaluated for impairment	$	1,696,358	$	1,516,115	$	581,511			$	3,793,984

Past due and nonperforming loans by loan class

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

Loans on Nonaccrual Status
As of September 30, 2012

(In thousands)	September 30, 2012		December 31, 2011
Commercial Loans
Commercial	$	6,915	$	1,699
Commercial Real Estate		6,432		4,868
Agricultural		2,587		3,307
Agricultural Real Estate		1,195		2,067
Business Banking		5,921		7,446
		23,050		19,387
Consumer Loans
Indirect		1,703		1,550
Home Equity		8,126		7,931
Direct		257		378
		10,086		9,859

Residential Real Estate Mortgages		9,525		9,044

Total Nonaccrual	$	42,661	$	38,290

The following tables set forth information with regard to past due and nonperforming loans by loan class as of September 30, 2012 and December 31, 2011:

Age Analysis of Past Due Financing Receivables

As of September 30, 2012

(in thousands)

					Greater Than
	31-60 Days		61-90 Days		90 Days		Total						Recorded
	Past Due		Past Due		Past Due		Past Due						Total
	Accruing		Accruing		Accruing		Accruing		Non-Accrual		Current		Loans
Commercial Loans
Commercial	$	707	$	149	$	-	$	856	$	6,915	$	594,775	$	602,546
Commercial Real Estate		1,455		138		-		1,593		6,432		1,012,695		1,020,720
Agricultural		-		-		-		-		2,587		64,187		66,774
Agricultural Real Estate		-		-		-		-		1,195		35,348		36,543
Business Banking		1,114		555		80		1,749		5,921		258,638		266,308
		3,276		842		80		4,198		23,050		1,965,643		1,992,891

Consumer Loans
Indirect		9,406		1,729		978		12,113		1,703		948,803		962,619
Home Equity		5,478		888		573		6,939		8,126		561,143		576,208
Direct		705		130		47		882		257		67,814		68,953
		15,589		2,747		1,598		19,934		10,086		1,577,760		1,607,780

Residential Real Estate Mortgages		2,240		170		1,285		3,695		9,525		637,228		650,448
	$	21,105	$	3,759	$	2,963	$	27,827	$	42,661	$	4,180,631	$	4,251,119

Age Analysis of Past Due Financing Receivables

As of December 31, 2011

(in thousands)

					Greater Than
	31-60 Days		61-90 Days		90 Days		Total						Recorded
	Past Due		Past Due		Past Due		Past Due						Total
	Accruing		Accruing		Accruing		Accruing		Non-Accrual		Current		Loans
Commercial Loans
Commercial	$	663	$	50	$	-	$	713	$	1,699	$	508,662	$	511,074
Commercial Real Estate		1,942		-		-		1,942		4,868		828,089		834,899
Agricultural		77		13		-		90		3,307		63,140		66,537
Agricultural Real Estate		-		-		50		50		2,067		31,809		33,926
Business Banking		1,871		1,024		-		2,895		7,446		245,800		256,141
		4,553		1,087		50		5,690		19,387		1,677,500		1,702,577

Consumer Loans
Indirect		12,141		2,584		1,283		16,008		1,550		855,545		873,103
Home Equity		5,823		1,277		954		8,054		7,931		553,660		569,645
Direct		831		191		140		1,162		378		71,827		73,367
		18,795		4,052		2,377		25,224		9,859		1,481,032		1,516,115

Residential Real Estate Mortgages		2,003		139		763		2,905		9,044		569,562		581,511
	$	25,351	$	5,278	$	3,190	$	33,819	$	38,290	$	3,728,094	$	3,800,203

Impaired loans and specific reserve allocations

The following table provides additional information on impaired loans and specific reserve allocations as of September 30, 2012 and December 31, 2011:

	September 30, 2012						December 31, 2011
	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	$	851	$	1,257			$	1,243	$	2,723
Commercial Real Estate		6,432		8,396				4,868		7,165
Agricultural		2,587		3,567				3,307		4,166
Agricultural Real Estate		1,195		1,382				2,067		2,288
Business Banking		5,921		8,078				7,446		9,976
Total Commercial Loans		16,986		22,680				18,931		26,318

Consumer Loans
Home Equity		1,777		1,879				2,000		2,103

Residential Real Estate Mortgages		1,105		1,275				1,040		1,125
	$	19,868	$	25,834			$	21,971	$	29,546

With an allowance recorded:
Commercial Loans
Commercial	$	6,064	$	6,113	$	2,720	$	456	$	808	$	175
Commercial Real Estate		-		-		-		-		-		-
Agricultural		-		-		-		-		-		-
Agricultural Real Estate		-		-		-		-		-		-
		6,064		6,113		2,720		456		808		175

Total:	$	25,932	$	31,947	$	2,720	$	22,427	$	30,354	$	175

The following table summarizes the average recorded investments on impaired loans and the interest income recognized for the three months ended September 30, 2012 and September 30, 2011:

	For the three months ended
	September 30, 2012						September 30, 2011
	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	$	854	$	9	$	9	$	1,794	$	3	$	3
Commercial Real Estate		6,732		16		16		6,106		14		14
Agricultural		2,627		51		51		3,516		59		59
Agricultural Real Estate		1,348		3		3		1,874		34		34
Business Banking		6,169		70		70		7,655		101		101
Consumer Loans
Home Equity		1,783		18		18		2,312		26		26
Residential Real Estate Mortgages		1,111		17		17		1,059		26		26
	$	20,624	$	184	$	184	$	24,316	$	263	$	263

With an allowance recorded:
Commercial Loans
Commercial	$	6,091	$	34	$	34	$	520	$	19	$	19
Commercial Real Estate		-		-		-		-		-		-
Agricultural		-		-		-		23		1		1
Agricultural Real Estate		-		-		-		-		-		-
	$	6,091	$	34	$	34	$	543	$	20	$	20

Total:	$	26,715	$	218	$	218	$	24,859	$	283	$	283

The following table summarizes the average recorded investments on impaired loans and the interest income recognized for the nine months ended September 30, 2012 and September 30, 2011:

	For the nine months ended
	September 30, 2012						September 30, 2011
	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	$	1,319	$	23	$	23	$	2,625	$	76	$	76
Commercial Real Estate		6,564		48		48		4,728		59		59
Agricultural		2,873		159		159		2,903		104		104
Agricultural Real Estate		1,734		13		13		1,622		72		72
Business Banking		6,824		166		166		5,662		203		203
Consumer Loans
Home Equity		1,840		66		66		1,851		84		84
Residential Real Estate Mortgages		1,066		73		73		887		53		53
	$	22,220	$	548	$	548	$	20,278	$	651	$	651

With an allowance recorded:
Commercial Loans
Commercial	$	4,178	$	43	$	43	$	991	$	68	$	68
Commercial Real Estate		-		-		-		382		-		-
Agricultural		-		-		-		1,055		68		68
Agricultural Real Estate		-		-		-		475		18		18
	$	4,178	$	43	$	43	$	2,903	$	154	$	154

Total:	$	26,397	$	591	$	591	$	23,181	$	805	$	805

Financing receivable credit quality by loan class

The following tables illustrate the Company's credit quality by loan class as of September 30, 2012 and December 31, 2011:

Credit Quality Indicators

As of September 30, 2012


Commercial Credit Exposure By Internally Assigned Grade:	Commercial		Commercial Real Estate		Agricultural		Agricultural Real Estate		Total
Pass	$	565,546	$	948,966	$	59,545	$	32,213	$	1,606,270
Special Mention		11,371		23,967		13		3		35,354
Substandard		22,656		47,787		7,168		4,327		81,938
Doubtful		2,973		-		48		-		3,021
Total	$	602,546	$	1,020,720	$	66,774	$	36,543	$	1,726,583

Business Banking Credit Exposure
By Internally Assigned Grade:	Business Banking								Total
Non-classified	$	251,284							$	251,284
Classified		15,024								15,024
Total	$	266,308							$	266,308

Consumer Credit Exposure By Payment Activity:	Indirect		Home Equity		Direct		Total
Performing	$	959,938	$	567,509	$	68,649	$	1,596,096
Nonperforming		2,681		8,699		304		11,684
Total	$	962,619	$	576,208	$	68,953	$	1,607,780

Residential Mortgage Credit Exposure	Residential
By Payment Activity:	Mortgage		Total
Performing	$	639,638	$	639,638
Nonperforming		10,810		10,810
Total	$	650,448	$	650,448

Credit Quality Indicators

As of December 31, 2011

Commercial Credit Exposure			Commercial				Agricultural
By Internally Assigned Grade:	Commercial		Real Estate		Agricultural		Real Estate		Total
Pass	$	470,332	$	758,673	$	58,481	$	28,927	$	1,316,413
Special Mention		10,346		24,478		42		10		34,876
Substandard		29,940		51,748		7,945		4,989		94,622
Doubtful		456		-		69		-		525
Total	$	511,074	$	834,899	$	66,537	$	33,926	$	1,446,436

Business Banking Credit Exposure	Business
By Internally Assigned Grade:	Banking		Total
Non-classified	$	237,887	$	237,887
Classified		18,254		18,254
Total	$	256,141	$	256,141

Consumer Credit Exposure
By Payment Activity:	Indirect		Home Equity		Direct		Total
Performing	$	870,270	$	560,760	$	72,849	$	1,503,879
Nonperforming		2,833		8,885		518		12,236
Total	$	873,103	$	569,645	$	73,367	$	1,516,115

Residential Mortgage Credit Exposure	Residential
By Payment Activity:	Mortgage		Total
Performing	$	571,704	$	571,704
Nonperforming		9,807		9,807
Total	$	581,511	$	581,511

Earnings Per Share (Tables)

9 Months Ended

Sep. 30, 2012

Earnings Per Share [Abstract]

Earnings Per Share

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,	2012		2011
(in thousands, except per share data)
Basic EPS:
Weighted average common shares outstanding		33,619		33,324
Net income available to common shareholders		14,535		15,217
Basic EPS	$	0.43	$	0.46
Diluted EPS:
Weighted average common shares outstanding		33,619		33,324
Dilutive effect of common stock options and restricted stock		342		243
Weighted average common shares and common share equivalents		33,961		33,567
Net income available to common shareholders		14,535		15,217
Diluted EPS	$	0.43	$	0.45

Nine months ended September 30,		2012		2011
(in thousands, except per share data)
Basic EPS:
Weighted average common shares outstanding		33,293		33,897
Net income available to common shareholders		41,442		44,179
Basic EPS	$	1.24	$	1.30
Diluted EPS:
Weighted average common shares outstanding		33,293		33,897
Dilutive effect of common stock options and restricted stock		333		262
Weighted average common shares and common share equivalents		33,626		34,159
Net income available to common shareholders		41,442		44,179
Diluted EPS	$	1.23	$	1.29

Defined Benefit Postretirement Plans (Tables)

9 Months Ended

Sep. 30, 2012

Defined Benefit Postretirement Plans [Abstract]

Components of Net Periodic Pension Benefits and Other Benefit Costs

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:	2012			2011			2012			2011
Service cost	$	757		$	668		$	6		$	5
Interest cost		774			874			40			57
Expected return on plan assets		(1,676	)		(1,914	)		-			-
Net amortization		992			408			(3	)		9
Total cost	$	847		$	36		$	43		$	71

	Pension Benefits						Other Benefits
	Nine months ended September 30,						Nine months ended September 30,
Components of net periodic benefit cost:	2012			2011			2012			2011
Service cost	$	2,270		$	2,003		$	16		$	15
Interest cost		2,322			2,621			119			171
Expected return on plan assets		(5,026	)		(5,742	)		-			-
Net amortization		2,710			1,221			(8	)		27
Total cost	$	2,276		$	103		$	127		$	213

- 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

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-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

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6962843&loc=d3e2439-114920

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-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, 2012

Trust Preferred Debentures [Abstract]

Schedule of Debt of VIE Where Entity is Not Primary Beneficiary

As of September 30, 2012, 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

- 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
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+ Details

Fair Values of Financial Instruments (Tables)

9 Months Ended

Sep. 30, 2012

Fair Values of Financial Instruments [Abstract]

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

September 30, 2012:

	Quoted Prices in		Significant Other		Significant
	Active Markets for		Observable		Unobservable		Balance
	Identical Assets		Inputs		Inputs		as of
	(Level 1)		(Level 2)		(Level 3)		September 30, 2012
Assets:
Securities Available for Sale:
U.S. Treasury	$	64,662	$	-	$	-	$	64,662
Federal Agency		-		296,158		-		296,158
State & municipal		-		92,504		-		92,504
Mortgage-backed		-		279,596		-		279,596
Collateralized mortgage obligations		-		446,887		-		446,887
Other securities		9,210		2,090		-		11,300
Total Securities Available for Sale	$	73,872	$	1,117,235	$	-	$	1,191,107
Trading Securities		3,851		-		-		3,851
Interest Rate Swaps		-		1,490		-		1,490
Total	$	77,723	$	1,118,725	$	-	$	1,196,448

Liabilities:
Interest Rate Swaps	$	-	$	1,490	$	-	$	1,490
Total	$	-	$	1,490	$	-	$	1,490

December 31, 2011:

	Quoted Prices in		Significant Other		Significant
	Active Markets for		Observable		Unobservable		Balance
	Identical Assets		Inputs		Inputs		as of
	(Level 1)		(Level 2)		(Level 3)		December 31, 2011
Assets:
Securities Available for Sale:
U.S. Treasury	$	82,233	$	-	$	-	$	82,233
Federal Agency		-		255,846		-		255,846
State & municipal		-		104,789		-		104,789
Mortgage-backed		-		325,397		-		325,397
Collateralized mortgage obligations		-		465,475		-		465,475
Other securities		8,825		2,054		-		10,879
Total Securities Available for Sale	$	91,058	$	1,153,561	$	-	$	1,244,619
Trading Securities		3,062		-		-		3,062
Total	$	94,120	$	1,153,561	$	-	$	1,247,681

Fair Value of Financial Instruments By Balance Sheet Grouping

			September 30, 2012				December 31, 2011
(In thousands)	Fair Value Hierarchy		Carrying amount		Estimated fair value		Carrying amount		Estimated fair value
Financial assets
Securities held to maturity		2		61,302		62,401		70,811		72,198
Net loans		3		4,180,385		4,298,990		3,728,869		3,821,640
Financial liabilities
Time deposits		2		1,018,957		1,028,110		933,127		942,437
Long-term debt		2		367,144		418,349		370,344		427,107
Trust Preferred Debentures		3		75,422		57,123		75,422		55,980

- 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)
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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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-Name Statement of Financial Accounting Standard (FAS)
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Reference 4: http://www.xbrl.org/2003/role/presentationRef
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+ Details

Securities (Tables)

9 Months Ended

Sep. 30, 2012

Securities [Abstract]

Amortized cost, estimated fair value, and unrealized gains and losses of securities available for sale

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, 2012
U.S. Treasury	$	63,747	$	915	$	-	$	64,662
Federal Agency		294,503		1,655		-		296,158
State & municipal		87,786		4,718		-		92,504
Mortgage-backed		264,073		15,523		-		279,596
Collateralized mortgage obligations		440,383		6,504		-		446,887
Other securities		8,711		2,668		79		11,300
Total securities available for sale	$	1,159,203	$	31,983	$	79	$	1,191,107
December 31, 2011
U.S. Treasury	$	81,006	$	1,228	$	-	$	82,234
Federal Agency		254,983		879		16		255,846
State & municipal		99,176		5,624		11		104,789
Mortgage-backed		310,767		14,629		-		325,396
Collateralized mortgage obligations		459,067		6,458		51		465,474
Other securities		8,935		2,021		76		10,880
Total securities available for sale	$	1,213,934	$	30,839	$	154	$	1,244,619

Amortized cost, estimated fair value, and unrealized gains and losses of securities held to maturity

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, 2012
Mortgage-backed	$	1,252	$	203	$	-	$	1,455
State & municipal		60,050		896		-		60,946
Total securities held to maturity	$	61,302	$	1,099	$	-	$	62,401
December 31, 2011
Mortgage-backed	$	1,447	$	213	$	-	$	1,660
State & municipal		69,364		1,174		-		70,538
Total securities held to maturity	$	70,811	$	1,387	$	-	$	72,198

Investment securities with unrealized losses

The following table sets forth information with regard to investment securities with unrealized losses at September 30, 2012 and December 31, 2011:

	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, 2012
U.S. Treasury	$	-	$	-			-	$	-	$	-			-	$	-	$	-			-
Federal agency		-		-			-		-		-			-		-		-			-
State & municipal		-		-			-		-		-			-		-		-			-
Mortgage-backed		-		-			-		-		-			-		-		-			-
Collateralized mortgage obligations		-		-			-		-		-			-		-		-			-
Other securities		-		-			-		169		(79	)		1		169		(79	)		1
Total securities with unrealized losses	$	-	$	-			-	$	169	$	(79	)		1	$	169	$	(79	)		1

December 31, 2011
U.S. Treasury	$	-	$	-			-	$	-	$	-			-	$	-	$	-			-
Federal agency		34,996		(16	)		3		-		-			-		34,996		(16	)		3
State & municipal		957		(10	)		3		377		(1	)		2		1,334		(11	)		5
Mortgage-backed		-		-			-		-		-			-		-		-			-
Collateralized mortgage obligations		27,368		(51	)		3		-		-			-		27,368		(51	)		3
Other securities		645		(76	)		2		-		-			-		645		(76	)		2
Total securities with unrealized losses	$	63,966	$	(153	)		11	$	377	$	(1	)		2	$	64,343	$	(154	)		13

Contractual maturities of debt securities

The following tables set forth information with regard to contractual maturities of debt securities at September 30, 2012:

(In thousands)	Amortized cost		Estimated fair value
Debt securities classified as available for sale
Within one year	$	26,616	$	26,807
From one to five years		262,685		265,541
From five to ten years		273,272		282,328
After ten years		587,919		605,131
	$	1,150,492	$	1,179,807
Debt securities classified as held to maturity
Within one year	$	24,501	$	24,577
From one to five years		27,735		28,476
From five to ten years		6,380		6,459
After ten years		2,686		2,889
	$	61,302	$	62,401

- 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
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
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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
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+ Details

Acquisition (Details) - Hampshire First Bank [Member] $ / shares in Units, $ in Thousands	9 Months Ended
	Sep. 30, 2012 $ / shares shares	Jun. 08, 2012 USD ($) $ / shares shares
Business Acquisition [Line Items]
Date of acquisition	Jun. 08, 2012
Number of banking centers operated by acquiree	5
Number of shares of common stock issued to acquiree shareholders (in shares) \| shares	1,300,000
Cash paid		$ 17,200
Outstanding common shares on acquisition date (in shares) \| shares		2,800,000
Share price of outstanding common shares paid for in cash (in dollars per share) \| $ / shares	$ 15.00
Percentage of outstanding common shares paid for in cash (in hundredths)	35.00%
Percentage of outstanding common shares exchanged for Company's common stock	65.00%
Exchange ratio of Company's stock for each share of acquiree's stock (in shares) \| shares		0.7019
Stock price of shares issued in exchange (in dollars per share) \| $ / shares		$ 20.34
Consideration Paid:
NBT Bancorp common stock issued to Hampshire First common stockholders		$ 25,824
Cash consideration paid to Hampshire First common stockholders		14,616
Cash consideration paid for Hampshire First employee stock options and warrants		2,583
Total consideration paid		43,023
Recognized Amounts of Identifiable Assets Acquired and (Liabilities Assumed), At Fair Value:
Cash and short term investments		22,149
Loans		218,801
Federal Home Loan Bank common stock		1,014
Core deposit intangibles		797
Other assets		12,926
Deposits		(228,198)
Borrowings		(41)
Other liabilities		(2,848)
Total identifiable net assets		24,600
Goodwill		18,423
Information about acquired loan portfolio [Abstract]
Contractually required principal and interest at acquisition		226,631
Contractual cash flows not expected to be collected (nonaccretable discount)		(7,985)
Expected cash flows at acquisition		218,646
Interest component of expected cash flows (accretable discount)		155
Fair value of acquired loans		$ 218,801
Estimated useful life of core deposit intangible asset (in years)	10

Subsequent Events (Details) - Acquisition [Member] $ in Millions	Oct. 07, 2012 USD ($)	Jun. 30, 2012 USD ($)
Subsequent Event [Line Items]
Amount of assets		$ 1,400.0
Number of subsidiary branches	28
Value of merger transaction	$ 233.4

Use of Estimates (Details) $ in Millions	9 Months Ended
Use of Estimates (Details) $ in Millions	Sep. 30, 2012 USD ($)
Use of Estimates [Abstract]
Uncertain tax positions recognition threshold estimate (in hundredths)	50.00%
Deposit with counterparty to secure the swap agreements	$ 1.6

Commitments and Contingencies (Details) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2012	Dec. 31, 2011
Commitment To Extend Credit and Unused Lines of Credit [Member]
Guarantor Obligations [Line Items]
Commitments - maximum potential obligation	$ 861.7	$ 764.9
Standby Letters of Credit [Member]
Guarantor Obligations [Line Items]
Commitments - maximum potential obligation	$ 33.0	26.8
Obligation instrument term (in years)	5Y
Commercial Letters of Credit [Member]
Guarantor Obligations [Line Items]
Commitments - maximum potential obligation	$ 8.3	$ 15.2

Allowance for Loan Losses and Credit Quality of Loans, Allowance for Loan Losses (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012 USD ($)	Sep. 30, 2011 USD ($)	Sep. 30, 2012 USD ($)	Sep. 30, 2011 USD ($)	Sep. 30, 2012 USD ($)	Dec. 31, 2011 USD ($)
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loan portfolio segments			3
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	$ 70,734	$ 70,484	$ 71,334	$ 71,234
Charge-offs	(5,830)	(5,265)	(17,052)	(18,131)
Recoveries	1,075	940	3,123	3,070
Provision	4,755	5,175	13,329	15,161
Balance as of End of Period	70,734	71,334	70,734	71,334
Allowance for loan losses
Allowance for loan losses	70,734	70,484	71,334	71,234	$ 70,734	$ 71,334
Allowance for loans individually evaluated for impairment					2,720	175
Allowance for loans collectively evaluated for impairment					68,014	71,159
Ending balance of loans					4,251,119	3,800,203
Ending balance of loans individually evaluated for impairment					13,017	6,219
Ending balance of loans and leases collectively evaluated for impairment					4,238,102	3,793,984
Commercial Loans [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	37,495	39,147	38,831	40,101
Charge-offs	(1,904)	(1,694)	(4,685)	(7,153)
Recoveries	492	367	1,180	1,262
Provision	1,734	1,073	2,491	4,683
Balance as of End of Period	37,817	38,893	37,817	38,893
Allowance for loan losses
Allowance for loan losses	37,495	39,147	38,831	40,101	37,817	38,831
Allowance for loans individually evaluated for impairment					2,720	175
Allowance for loans collectively evaluated for impairment					35,097	38,656
Ending balance of loans					1,992,891	1,702,577
Ending balance of loans individually evaluated for impairment					13,017	6,219
Ending balance of loans and leases collectively evaluated for impairment					1,979,874	1,696,358
Commercial Loans [Member] \| Commercial [Member]
Allowance for loan losses
Ending balance of loans					$ 602,546	511,074
Commercial Loans [Member] \| Commercial Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loan amount, percentage of appraised value or purchase price of the property, maximum (in hundredths)					80.00%
Allowance for loan losses
Ending balance of loans					$ 1,020,720	834,899
Commercial Loans [Member] \| Agricultural [Member]
Allowance for loan losses
Ending balance of loans					$ 66,774	66,537
Commercial Loans [Member] \| Agricultural Real Estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loan amount, percentage of appraised value or purchase price of the property, maximum (in hundredths)					75.00%
Allowance for loan losses
Ending balance of loans					$ 36,543	33,926
Commercial Loans [Member] \| Business Banking [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Business Banking Loans, maximum amount					350
Allowance for loan losses
Ending balance of loans					266,308	256,141
Consumer Loans [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	27,235	25,718	26,049	26,126
Charge-offs	(3,446)	(3,526)	(11,237)	(10,420)
Recoveries	574	571	1,918	1,803
Provision	2,213	3,533	9,846	8,787
Balance as of End of Period	26,576	26,296	26,576	26,296
Allowance for loan losses
Allowance for loan losses	27,235	25,718	$ 26,049	26,126	26,576	26,049
Allowance for loans individually evaluated for impairment					0	0
Allowance for loans collectively evaluated for impairment					26,576	26,049
Ending balance of loans					1,607,780	1,516,115
Ending balance of loans individually evaluated for impairment					0	0
Ending balance of loans and leases collectively evaluated for impairment					$ 1,607,780	1,516,115
Consumer Loans [Member] \| Indirect [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of automobile financing to indirect relationships with dealers (in hundredths)					70.00%
Principal repayment term of loan, minimum (in years)			3 years
Principal repayment term of loan, maximum (in years)			6 years
Allowance for loan losses
Ending balance of loans					$ 962,619	873,103
Consumer Loans [Member] \| Home Equity [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Home equity loan amount, percentage of equity in home, maximum (in hundredths)					85.00%
Allowance for loan losses
Ending balance of loans					$ 576,208	569,645
Consumer Loans [Member] \| Direct [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Principal repayment term of loan, minimum (in years)			1 year
Principal repayment term of loan, maximum (in years)			10 years
Allowance for loan losses
Ending balance of loans					$ 68,953	73,367
Residential Real Estate Mortgages [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loan amount, percentage of appraised value or purchase price of the property, maximum (in hundredths)					85.00%
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	5,943	5,373	$ 6,249	4,627
Charge-offs	(480)	(45)	(1,130)	(558)
Recoveries	9	2	25	5
Provision	809	588	1,137	1,844
Balance as of End of Period	6,281	5,918	6,281	5,918
Allowance for loan losses
Allowance for loan losses	5,943	5,373	6,249	4,627	$ 6,281	6,249
Allowance for loans individually evaluated for impairment					0	0
Allowance for loans collectively evaluated for impairment					6,281	6,249
Ending balance of loans					650,448	581,511
Ending balance of loans individually evaluated for impairment					0	0
Ending balance of loans and leases collectively evaluated for impairment					650,448	581,511
Unallocated [Member]
Financing Receivable, Allowance for Credit Losses [Roll Forward]
Balance as of Beginning of Period	61	246	205	380
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Provision	(1)	(19)	(145)	(153)
Balance as of End of Period	60	227	60	227
Allowance for loan losses
Allowance for loan losses	$ 61	$ 246	$ 205	$ 380	60	205
Allowance for loans collectively evaluated for impairment					$ 60	$ 205

Allowance for Loan Losses and Credit Quality of Loans, Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Financing Receivable, Recorded Investment, Aging [Abstract]
Minimum number of days past due for nonaccrual loan status (in days)	90 days
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	$ 21,105	$ 25,351
61 - 90 Days Past Due Accruing	3,759	5,278
Greater Than 90 Days Past Due Accruing	2,963	3,190
Total Past Due Accruing	27,827	33,819
Non-Accrual	42,661	38,290
Current	4,180,631	3,728,094
Recorded Total Loans	4,251,119	3,800,203
Within non accrual loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
Troubled debt restructured loans amount	2,300	4,000
Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	3,276	4,553
61 - 90 Days Past Due Accruing	842	1,087
Greater Than 90 Days Past Due Accruing	80	50
Total Past Due Accruing	4,198	5,690
Non-Accrual	23,050	19,387
Current	1,965,643	1,677,500
Recorded Total Loans	1,992,891	1,702,577
Commercial Loans [Member] \| Commercial [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	707	663
61 - 90 Days Past Due Accruing	149	50
Greater Than 90 Days Past Due Accruing	0	0
Total Past Due Accruing	856	713
Non-Accrual	6,915	1,699
Current	594,775	508,662
Recorded Total Loans	602,546	511,074
Commercial Loans [Member] \| Commercial Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	1,455	1,942
61 - 90 Days Past Due Accruing	138	0
Greater Than 90 Days Past Due Accruing	0	0
Total Past Due Accruing	1,593	1,942
Non-Accrual	6,432	4,868
Current	1,012,695	828,089
Recorded Total Loans	1,020,720	834,899
Commercial Loans [Member] \| Agricultural [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	0	77
61 - 90 Days Past Due Accruing	0	13
Greater Than 90 Days Past Due Accruing	0	0
Total Past Due Accruing	0	90
Non-Accrual	2,587	3,307
Current	64,187	63,140
Recorded Total Loans	66,774	66,537
Commercial Loans [Member] \| Agricultural Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	0	0
61 - 90 Days Past Due Accruing	0	0
Greater Than 90 Days Past Due Accruing	0	50
Total Past Due Accruing	0	50
Non-Accrual	1,195	2,067
Current	35,348	31,809
Recorded Total Loans	36,543	33,926
Commercial Loans [Member] \| Business Banking [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	1,114	1,871
61 - 90 Days Past Due Accruing	555	1,024
Greater Than 90 Days Past Due Accruing	80	0
Total Past Due Accruing	1,749	2,895
Non-Accrual	5,921	7,446
Current	258,638	245,800
Recorded Total Loans	266,308	256,141
Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	15,589	18,795
61 - 90 Days Past Due Accruing	2,747	4,052
Greater Than 90 Days Past Due Accruing	1,598	2,377
Total Past Due Accruing	19,934	25,224
Non-Accrual	10,086	9,859
Current	1,577,760	1,481,032
Recorded Total Loans	1,607,780	1,516,115
Consumer Loans [Member] \| Indirect [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	9,406	12,141
61 - 90 Days Past Due Accruing	1,729	2,584
Greater Than 90 Days Past Due Accruing	978	1,283
Total Past Due Accruing	12,113	16,008
Non-Accrual	1,703	1,550
Current	948,803	855,545
Recorded Total Loans	962,619	873,103
Consumer Loans [Member] \| Home Equity [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	5,478	5,823
61 - 90 Days Past Due Accruing	888	1,277
Greater Than 90 Days Past Due Accruing	573	954
Total Past Due Accruing	6,939	8,054
Non-Accrual	8,126	7,931
Current	561,143	553,660
Recorded Total Loans	576,208	569,645
Consumer Loans [Member] \| Direct [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	705	831
61 - 90 Days Past Due Accruing	130	191
Greater Than 90 Days Past Due Accruing	47	140
Total Past Due Accruing	882	1,162
Non-Accrual	257	378
Current	67,814	71,827
Recorded Total Loans	68,953	73,367
Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment, Past Due [Abstract]
31 - 60 Days Past Due Accruing	2,240	2,003
61 - 90 Days Past Due Accruing	170	139
Greater Than 90 Days Past Due Accruing	1,285	763
Total Past Due Accruing	3,695	2,905
Non-Accrual	9,525	9,044
Current	637,228	569,562
Recorded Total Loans	$ 650,448	$ 581,511

Allowance for Loan Losses and Credit Quality of Loans, Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011	Dec. 31, 2011
Allowance for Loan Losses and Credit Quality of Loans [Abstract]
Minimum balance for classified loans to be evaluated individually for impairment	$ 500		$ 500
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	25,932		25,932		$ 22,427
Unpaid Principal Balance (Legal)	31,947		31,947		30,354
Related Allowance	2,720		2,720		175
Average Recorded Investment	26,715	$ 24,859	26,397	$ 23,181
Interest Income Recognized Accrual	218	283	591	805
Interest Income Recognized Cash	218	283	591	805
With No Allowance Recorded [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	19,868		19,868		21,971
Unpaid Principal Balance (Legal)	25,834		25,834		29,546
Average Recorded Investment	20,624	24,316	22,220	20,278
Interest Income Recognized Accrual	184	263	548	651
Interest Income Recognized Cash	184	263	548	651
With No Allowance Recorded [Member] \| Commercial Loans [Member] \| Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	851		851		1,243
Unpaid Principal Balance (Legal)	1,257		1,257		2,723
Average Recorded Investment	854	1,794	1,319	2,625
Interest Income Recognized Accrual	9	3	23	76
Interest Income Recognized Cash	9	3	23	76
With No Allowance Recorded [Member] \| Commercial Loans [Member] \| Commercial Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	6,432		6,432		4,868
Unpaid Principal Balance (Legal)	8,396		8,396		7,165
Average Recorded Investment	6,732	6,106	6,564	4,728
Interest Income Recognized Accrual	16	14	48	59
Interest Income Recognized Cash	16	14	48	59
With No Allowance Recorded [Member] \| Commercial Loans [Member] \| Agricultural [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	2,587		2,587		3,307
Unpaid Principal Balance (Legal)	3,567		3,567		4,166
Average Recorded Investment	2,627	3,516	2,873	2,903
Interest Income Recognized Accrual	51	59	159	104
Interest Income Recognized Cash	51	59	159	104
With No Allowance Recorded [Member] \| Commercial Loans [Member] \| Agricultural Real Estate [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	1,195		1,195		2,067
Unpaid Principal Balance (Legal)	1,382		1,382		2,288
Average Recorded Investment	1,348	1,874	1,734	1,622
Interest Income Recognized Accrual	3	34	13	72
Interest Income Recognized Cash	3	34	13	72
With No Allowance Recorded [Member] \| Commercial Loans [Member] \| Business Banking [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	5,921		5,921		7,446
Unpaid Principal Balance (Legal)	8,078		8,078		9,976
Average Recorded Investment	6,169	7,655	6,824	5,662
Interest Income Recognized Accrual	70	101	166	203
Interest Income Recognized Cash	70	101	166	203
With No Allowance Recorded [Member] \| Commercial Loans [Member] \| Total Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	16,986		16,986		18,931
Unpaid Principal Balance (Legal)	22,680		22,680		26,318
With No Allowance Recorded [Member] \| Consumer Loans [Member] \| Home Equity [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	1,777		1,777		2,000
Unpaid Principal Balance (Legal)	1,879		1,879		2,103
Average Recorded Investment	1,783	2,312	1,840	1,851
Interest Income Recognized Accrual	18	26	66	84
Interest Income Recognized Cash	18	26	66	84
With No Allowance Recorded [Member] \| Residential Real Estate Mortgages [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	1,105		1,105		1,040
Unpaid Principal Balance (Legal)	1,275		1,275		1,125
Average Recorded Investment	1,111	1,059	1,066	887
Interest Income Recognized Accrual	17	26	73	53
Interest Income Recognized Cash	17	26	73	53
With An Allowance Recorded [Member] \| Commercial Loans [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	6,064		6,064		456
Unpaid Principal Balance (Legal)	6,113		6,113		808
Related Allowance	2,720		2,720		175
Average Recorded Investment	6,091	543	4,178	2,903
Interest Income Recognized Accrual	34	20	43	154
Interest Income Recognized Cash	34	20	43	154
With An Allowance Recorded [Member] \| Commercial Loans [Member] \| Commercial [Member]
Financing Receivable, Impaired [Line Items]
Recorded Investment Balance (Book)	6,064		6,064		456
Unpaid Principal Balance (Legal)	6,113		6,113		808
Related Allowance	2,720		2,720		175
Average Recorded Investment	6,091	520	4,178	991
Interest Income Recognized Accrual	34	19	43	68
Interest Income Recognized Cash	34	19	43	68
With An Allowance Recorded [Member] \| Commercial Loans [Member] \| Commercial Real Estate [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	0	0	382
Interest Income Recognized Accrual	0	0	0	0
Interest Income Recognized Cash	0	0	0	0
With An Allowance Recorded [Member] \| Commercial Loans [Member] \| Agricultural [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	23	0	1,055
Interest Income Recognized Accrual	0	1	0	68
Interest Income Recognized Cash	0	1	0	68
With An Allowance Recorded [Member] \| Commercial Loans [Member] \| Agricultural Real Estate [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	0	0	475
Interest Income Recognized Accrual	0	0	0	18
Interest Income Recognized Cash	$ 0	$ 0	$ 0	$ 18

Allowance for Loan Losses and Credit Quality of Loans, Credit Quality by Loan Class (Details) - USD ($) $ in Thousands	Sep. 30, 2012	Dec. 31, 2011
Commercial Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	$ 1,726,583	$ 1,446,436
Commercial Loans [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,606,270	1,316,413
Commercial Loans [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	35,354	34,876
Commercial Loans [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	81,938	94,622
Commercial Loans [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	3,021	525
Commercial Loans [Member] \| Commercial [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	602,546	511,074
Commercial Loans [Member] \| Commercial [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	565,546	470,332
Commercial Loans [Member] \| Commercial [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	11,371	10,346
Commercial Loans [Member] \| Commercial [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	22,656	29,940
Commercial Loans [Member] \| Commercial [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,973	456
Commercial Loans [Member] \| Commercial Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,020,720	834,899
Commercial Loans [Member] \| Commercial Real Estate [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	948,966	758,673
Commercial Loans [Member] \| Commercial Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	23,967	24,478
Commercial Loans [Member] \| Commercial Real Estate [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	47,787	51,748
Commercial Loans [Member] \| Commercial Real Estate [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	0	0
Commercial Loans [Member] \| Agricultural [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	66,774	66,537
Commercial Loans [Member] \| Agricultural [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	59,545	58,481
Commercial Loans [Member] \| Agricultural [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	13	42
Commercial Loans [Member] \| Agricultural [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	7,168	7,945
Commercial Loans [Member] \| Agricultural [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	48	69
Commercial Loans [Member] \| Agricultural Real Estate [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	36,543	33,926
Commercial Loans [Member] \| Agricultural Real Estate [Member] \| Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	32,213	28,927
Commercial Loans [Member] \| Agricultural Real Estate [Member] \| Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	3	10
Commercial Loans [Member] \| Agricultural Real Estate [Member] \| Substandard [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	4,327	4,989
Commercial Loans [Member] \| Agricultural Real Estate [Member] \| Doubtful [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	0	0
Commercial Loans [Member] \| Business Banking [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	266,308	256,141
Commercial Loans [Member] \| Business Banking [Member] \| Non-classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	251,284	237,887
Commercial Loans [Member] \| Business Banking [Member] \| Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	15,024	18,254
Consumer Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,607,780	1,516,115
Consumer Loans [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	1,596,096	1,503,879
Consumer Loans [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	11,684	12,236
Consumer Loans [Member] \| Indirect [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	962,619	873,103
Consumer Loans [Member] \| Indirect [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	959,938	870,270
Consumer Loans [Member] \| Indirect [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	2,681	2,833
Consumer Loans [Member] \| Home Equity [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	576,208	569,645
Consumer Loans [Member] \| Home Equity [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	567,509	560,760
Consumer Loans [Member] \| Home Equity [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	8,699	8,885
Consumer Loans [Member] \| Direct [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	68,953	73,367
Consumer Loans [Member] \| Direct [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	68,649	72,849
Consumer Loans [Member] \| Direct [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	304	518
Residential Real Estate Mortgages [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	650,448	581,511
Residential Real Estate Mortgages [Member] \| Performing [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	639,638	571,704
Residential Real Estate Mortgages [Member] \| Nonperforming [Member]
Financing Receivable, Recorded Investment [Line Items]
Financing Receivable	$ 10,810	$ 9,807

Allowance for Loan Losses and Credit Quality of Loans, Troubled Debt Restructurings (Details) $ in Millions	3 Months Ended		9 Months Ended
	Sep. 30, 2012 USD ($)	Sep. 30, 2011 USD ($)	Sep. 30, 2012 USD ($)	Sep. 30, 2011 USD ($)
Financing Receivable, Modifications [Line Items]
Period of sustained repayment performance for nonperforming TDRs to be returned to performing status (in months)			6 months
Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts				25
Pre-modification oustanding recorded investment				$ 2.3
Commercial Loans [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts	0	3	1	3
Pre-modification oustanding recorded investment	$ 0.0	$ 0.8	$ 1.0	$ 0.8
Residential Real Estate Mortgages [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts	0		1	4
Pre-modification oustanding recorded investment	$ 0.0		$ 0.2	$ 0.8
Residential Real Estate Mortgages [Member] \| Home Equity [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts				6
Pre-modification oustanding recorded investment				$ 0.6
Residential Real Estate Mortgages [Member] \| Subsequent Default [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts				2
Pre-modification oustanding recorded investment				$ 0.4

Earnings Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012	Sep. 30, 2011	Sep. 30, 2012	Sep. 30, 2011
Basic EPS:
Weighted average common shares outstanding (in shares)	33,619,000	33,324,000	33,293,000	33,897,000
Net income available to common shareholders	$ 14,535	$ 15,217	$ 41,442	$ 44,179
Basic EPS (in dollars per share)	$ 0.43	$ 0.46	$ 1.24	$ 1.30
Diluted EPS:
Weighted average common shares outstanding (in shares)	33,619,000	33,324,000	33,293,000	33,897,000
Dilutive effect of common stock options and restricted stock (in shares)	342,000	243,000	333,000	262,000
Weighted average common shares and common share equivalents (in shares)	33,961,000	33,567,000	33,626,000	34,159,000
Net income available to common shareholders	$ 14,535	$ 15,217	$ 41,442	$ 44,179
Diluted EPS (in dollars per share)	$ 0.43	$ 0.45	$ 1.23	$ 1.29
Stock options excluded from calculation of diluted EPS (in shares)	1,176,670	1,651,159	1,197,417	1,239,021

- 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
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-Name Accounting Standards Codification
-Topic 260
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-Paragraph 2
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Reference 7: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
-Topic 260
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-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
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-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

Defined Benefit Postretirement Plans (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2012 USD ($)	Sep. 30, 2011 USD ($)	Sep. 30, 2012 USD ($)	Sep. 30, 2011 USD ($)
Defined Benefit Plan Disclosure [Line Items]
Transition obligation amortization period (in years)	20		20
Pension Benefits [Member]
Components of net periodic benefit cost:
Service cost	$ 757	$ 668	$ 2,270	$ 2,003
Interest cost	774	874	2,322	2,621
Expected return on plan assets	(1,676)	(1,914)	(5,026)	(5,742)
Net amortization	992	408	2,710	1,221
Total cost (benefit)	847	36	2,276	103
Other Benefits [Member]
Components of net periodic benefit cost:
Service cost	6	5	16	15
Interest cost	40	57	119	171
Expected return on plan assets	0	0	0	0
Net amortization	(3)	9	(8)	27
Total cost (benefit)	$ 43	$ 71	$ 127	$ 213

Trust Preferred Debentures (Details) $ in Thousands	9 Months Ended
Trust Preferred Debentures (Details) $ in Thousands	Sep. 30, 2012 USD ($)
Limited Guarantee Trust Preferred Debentures [Abstract]
Number of statutory business trusts included in the Trusts	3
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, 2012	Dec. 31, 2011
Securities Available for Sale: [Abstract]
Securities Available for Sale	$ 1,191,107	$ 1,244,619
Trading Securities	3,851	3,062
Financial assets
Net loans	4,251,119	3,800,203
Financial liabilities
Time deposits	1,018,957	933,127
Long-term debt	367,144	370,344
Trust preferred debentures	75,422	75,422
Carrying Amount [Member] \| Fair Value, Inputs, Level 2 [Member]
Financial assets
Securities held to maturity	61,302	70,811
Financial liabilities
Time deposits	1,018,957	933,127
Long-term debt	367,144	370,344
Carrying Amount [Member] \| Fair Value, Inputs, Level 3 [Member]
Financial assets
Net loans	4,180,385	3,728,869
Financial liabilities
Trust preferred debentures	75,422	75,422
Estimated Fair Value [Member] \| Fair Value, Inputs, Level 2 [Member]
Financial assets
Securities held to maturity	62,401	72,198
Financial liabilities
Time deposits	1,028,110	942,437
Long-term debt	418,349	427,107
Estimated Fair Value [Member] \| Fair Value, Inputs, Level 3 [Member]
Financial assets
Net loans	4,298,990	3,821,640
Financial liabilities
Trust preferred debentures	57,123	55,980
Fair Value, Measurements, Recurring [Member]
Securities Available for Sale: [Abstract]
U.S. Treasury	64,662	82,233
Federal Agency	296,158	255,846
State & municipal	92,504	104,789
Mortgage-backed	279,596	325,397
Collateralized mortgage obligations	446,887	465,475
Other securities	11,300	10,879
Securities Available for Sale	1,191,107	1,244,619
Trading Securities	3,851	3,062
Interest Rate Swaps	1,490
Total	1,196,448	1,247,681
Liabilities:
Interest Rate Swaps	1,490
Total	1,490
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Securities Available for Sale: [Abstract]
U.S. Treasury	64,662	82,233
Federal Agency	0	0
State & municipal	0	0
Mortgage-backed	0	0
Collateralized mortgage obligations	0	0
Other securities	9,210	8,825
Securities Available for Sale	73,872	91,058
Trading Securities	3,851	3,062
Interest Rate Swaps	0
Total	77,723	94,120
Liabilities:
Interest Rate Swaps	0
Total	0
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities Available for Sale: [Abstract]
U.S. Treasury	0	0
Federal Agency	296,158	255,846
State & municipal	92,504	104,789
Mortgage-backed	279,596	325,397
Collateralized mortgage obligations	446,887	465,475
Other securities	2,090	2,054
Securities Available for Sale	1,117,235	1,153,561
Trading Securities	0	0
Interest Rate Swaps	1,490
Total	1,118,725	1,153,561
Liabilities:
Interest Rate Swaps	1,490
Total	1,490
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Securities Available for Sale: [Abstract]
U.S. Treasury	0	0
Federal Agency	0	0
State & municipal	0	0
Mortgage-backed	0	0
Collateralized mortgage obligations	0	0
Other securities	0	0
Securities Available for Sale	0	0
Trading Securities	0	0
Interest Rate Swaps	0
Total	0	$ 0
Liabilities:
Interest Rate Swaps	0
Total	$ 0

Securities (Details) $ in Thousands	9 Months Ended
Securities (Details) $ in Thousands	Sep. 30, 2012 USD ($)	Dec. 31, 2011 USD ($)
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 1,159,203	$ 1,213,934
Unrealized gains	31,983	30,839
Unrealized losses	79	154
Estimated fair value	1,191,107	1,244,619
Amortized cost of mortgage-backed securities comprised of Government Sponsored Enterprise Securities	246,600	290,200
Fair value of mortgage-backed securities comprised of Government Sponsored Enterprise Securities	260,300	303,000
Amortized cost of mortgage-backed securities comprised of US Government Agency Securities	17,500	20,500
Fair value of mortgage-backed securities comprised of US Government Agency Securities	19,300	22,400
Amortized cost of collateralized mortgage obligations comprised of Government Sponsored Enterprise Securities	387,500	398,300
Fair value of collateralized mortgage obligations comprised of Government Sponsored Enterprise Securities	394,200	402,400
Amortized cost of collateralized mortgage obligations comprised of US Government Agency Securities	50,900	60,800
Fair value of collateralized mortgage obligations comprised of US Government Agency Securities	52,700	63,100
Proceeds from sales of securities available for sale	1,800
Gains on sales of securities available for sale	400
Amortized costs of securities available for sale pledged to secure public deposits	1,200,000	1,200,000
Amortized costs of securities available for sale pledged as collateral for repurchase agreements	210,400	141,700
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	0	63,966
12 Months or Longer, Fair Value	169	377
Total, Fair Value	169	64,343
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	(153)
12 Months or Longer, Unrealized Losses	(79)	(1)
Total, Unrealized Losses	$ (79)	$ (154)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions	0	11
12 Months or Longer, Number of Positions	1	2
Total, Number of Positions	1	13
Available-for-sale Securities, Debt Maturities, Amortized Cost Basis [Abstract]
Within One Year	$ 26,616
From One to Five Years	262,685
From Five to Ten Years	273,272
After Ten years	587,919
Total, Amortized Cost	1,150,492
Available-for-sale Securities, Debt Maturities, Fair Value [Abstract]
Within One Year	26,807
From One to Five Years	265,541
From Five to Ten Years	282,328
After Ten Years	605,131
Total, Fair Value	$ 1,179,807
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	$ 61,302	$ 70,811
Unrealized gains	1,099	1,387
Unrealized losses	0	0
Estimated fair value	62,401	72,198
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Within One Year	24,501
From One to Five Years	27,735
From Five to Ten Years	6,380
After Ten Years	2,686
Securities held to maturity	61,302	70,811
Held-to-maturity Securities, Debt Maturities, Fair Value [Abstract]
Within One Year	24,577
From One to Five Years	28,476
From Five to Ten Years	6,459
After Ten Years	2,889
Total, Fair Value	62,401
US Treasury [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	63,747	81,006
Unrealized gains	915	1,228
Unrealized losses	0	0
Estimated fair value	64,662	82,234
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	0	0
12 Months or Longer, Fair Value	0	0
Total, Fair Value	0	0
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	0
12 Months or Longer, Unrealized Losses	0	0
Total, Unrealized Losses	$ 0	$ 0
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions	0	0
12 Months or Longer, Number of Positions	0	0
Total, Number of Positions	0	0
Federal Agency [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 294,503	$ 254,983
Unrealized gains	1,655	879
Unrealized losses	0	16
Estimated fair value	296,158	255,846
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	0	34,996
12 Months or Longer, Fair Value	0	0
Total, Fair Value	0	34,996
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	(16)
12 Months or Longer, Unrealized Losses	0	0
Total, Unrealized Losses	$ 0	$ (16)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions	0	3
12 Months or Longer, Number of Positions	0	0
Total, Number of Positions	0	3
State & municipal [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 87,786	$ 99,176
Unrealized gains	4,718	5,624
Unrealized losses	0	11
Estimated fair value	92,504	104,789
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	0	957
12 Months or Longer, Fair Value	0	377
Total, Fair Value	0	1,334
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	(10)
12 Months or Longer, Unrealized Losses	0	(1)
Total, Unrealized Losses	$ 0	$ (11)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions	0	3
12 Months or Longer, Number of Positions	0	2
Total, Number of Positions	0	5
Mortgage-backed [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 264,073	$ 310,767
Unrealized gains	15,523	14,629
Unrealized losses	0	0
Estimated fair value	279,596	325,396
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	0	0
12 Months or Longer, Fair Value	0	0
Total, Fair Value	0	0
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	0
12 Months or Longer, Unrealized Losses	0	0
Total, Unrealized Losses	$ 0	$ 0
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions	0	0
12 Months or Longer, Number of Positions	0	0
Total, Number of Positions	0	0
Collateralized mortgage obligations [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 440,383	$ 459,067
Unrealized gains	6,504	6,458
Unrealized losses	0	51
Estimated fair value	446,887	465,474
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	0	27,368
12 Months or Longer, Fair Value	0	0
Total, Fair Value	0	27,368
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	(51)
12 Months or Longer, Unrealized Losses	0	0
Total, Unrealized Losses	$ 0	$ (51)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions	0	3
12 Months or Longer, Number of Positions	0	0
Total, Number of Positions	0	3
Other securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized cost	$ 8,711	$ 8,935
Unrealized gains	2,668	2,021
Unrealized losses	79	76
Estimated fair value	11,300	10,880
Unrealized Loss Position, Fair Value [Abstract]
Less Than 12 Months, Fair Value	0	645
12 Months or Longer, Fair Value	169	0
Total, Fair Value	169	645
Unrealized Loss Position, Unrealized Losses [Abstract]
Less Than 12 Months, Unrealized Losses	0	(76)
12 Months or Longer, Unrealized Losses	(79)	0
Total, Unrealized Losses	$ (79)	$ (76)
Unrealized Loss Position, Number of Positions [Abstract]
Less Than 12 Months, Number of Positions	0	2
12 Months or Longer, Number of Positions	1	0
Total, Number of Positions	1	2
Mortgage-backed [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	$ 1,252	$ 1,447
Unrealized gains	203	213
Unrealized losses	0	0
Estimated fair value	1,455	1,660
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Securities held to maturity	1,252	1,447
State & municipal [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized cost	60,050	69,364
Unrealized gains	896	1,174
Unrealized losses	0	0
Estimated fair value	60,946	70,538
Held-to-maturity Securities, Debt Maturities, Net Carrying Amount [Abstract]
Securities held to maturity	$ 60,050	$ 69,364