Annual report pursuant to Section 13 and 15(d)

INCOME TAXES (Details3)

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INCOME TAXES (Details3) (USD $)
In Thousands, unless otherwise specified
Dec. 31, 2012
Dec. 31, 2011
Dec. 31, 2010
Deferred Tax Assets attributable to:      
Allowance for Loan Losses $ 11,253 $ 11,973  
Associate Benefits 297 297  
Accrued Pension/SERP 18,927 15,448  
Interest on Nonperforming Loans 777 580  
State Net Operating Loss and Tax Credit Carry-Forwards 5,002 4,119  
Federal Capital Loss and Credit Carry-Forwards 641 287  
Intangible Assets 224 198  
Core Deposit Intangible 1,687 2,487  
Contingency Reserve 9 241  
Accrued Expense 442 437  
Leases 413 410  
Other Real Estate Owned 9,869 10,551  
Other 2,610 895  
Total Deferred Tax Assets 52,151 47,923  
Deferred Tax Liabilities attributable to:      
Depreciation on Premises and Equipment 7,117 6,843  
Deferred Loan Fees and Costs 2,864 2,907  
Net Unrealized Gains on Investment Securities 585 880  
Intangible Assets 3,119 2,819  
Accrued Pension/SERP 1,870 3,368  
Securities Accretion        
Market Value on Loans Held for Sale        
Other 497 1,638  
Total Deferred Tax Liabilities 16,052 18,455  
Valuation Allowance 1,170 1,118  
Net Deferred Tax Assets $ 34,929 $ 28,350 $ 20,499