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Document and Entity Information - USD ($) $ in Thousands	12 Months Ended
Document and Entity Information - USD ($) $ in Thousands	Dec. 31, 2012	Feb. 28, 2013	Jun. 30, 2012
Document Information [Line Items]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2012
Document Fiscal Year Focus	2012
Document Fiscal Period Focus	FY
Trading Symbol	FRME
Entity Registrant Name	FIRST MERCHANTS CORP
Entity Central Index Key	0000712534
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		28,695,887
Entity Well-known Seasoned Issuer	No
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Public Float			$ 356,895

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Cash and cash equivalents	$ 101,460	$ 73,312
Interest-bearing time deposits	38,443	52,851
Investment securities available for sale	513,343	518,491
Investment securities held to maturity (fair value of $378,174 and $442,469)	361,020	427,909
Mortgage loans held for sale	22,300	17,864
Loans	2,902,209	2,713,415
Less: Allowance for loan losses	(69,366)	(70,898)
Net loans	2,832,843	2,642,517
Premises and equipment	52,749	51,013
Federal Reserve and Federal Home Loan Bank stock	32,785	31,270
Interest receivable	16,367	17,723
Core deposit intangibles	8,154	9,114
Goodwill	141,375	141,357
Cash surrender value of life insurance	125,397	124,329
Other real estate owned	13,263	16,289
Tax asset, deferred and receivable	30,867	36,424
Other assets	14,455	12,613
TOTAL ASSETS	4,304,821	4,173,076
Deposits:
Noninterest-bearing	801,597	646,508
Interest-bearing	2,544,786	2,488,147
Total Deposits	3,346,383	3,134,655
Borrowings:
Federal funds purchased	18,862
Securities sold under repurchase agreements	141,828	156,305
Federal Home Loan Bank advances	94,238	138,095
Subordinated debentures and term loans	112,161	194,974
Total Borrowings	367,089	489,374
Interest payable	1,841	2,925
Other liabilities	37,272	31,655
Total Liabilities	3,752,585	3,658,609
COMMITMENTS AND CONTINGENT LIABILITIES
STOCKHOLDERS' EQUITY
Common Stock - $.125 stated value, Authorized 50,000,000 shares, Issued and outstanding 28,692,616 and 28,559,707 shares	3,587	3,570
Additional paid-in capital	256,843	254,874
Retained earnings	206,397	168,717
Accumulated other comprehensive loss	(5,499)	(3,602)
Total Stockholders' Equity	552,236	514,467
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	4,304,821	4,173,076
Preferred stock, Series B
STOCKHOLDERS' EQUITY
Preferred Stock (Senior Non-Cumulative Perpetual Preferred Stock, Series B - no-par value, $1,000 liquidation value, Authorized 500,000 shares, Issued and outstanding 90,782.94 shares) (Cumulative Preferred Stock - $1,000 par value, $1,000 liquidation value, Authorized 600 shares, Issued and outstanding 125 shares)	90,783	90,783
Cumulative Preferred Stock
STOCKHOLDERS' EQUITY
Preferred Stock (Senior Non-Cumulative Perpetual Preferred Stock, Series B - no-par value, $1,000 liquidation value, Authorized 500,000 shares, Issued and outstanding 90,782.94 shares) (Cumulative Preferred Stock - $1,000 par value, $1,000 liquidation value, Authorized 600 shares, Issued and outstanding 125 shares)	$ 125	$ 125

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Fair value of investment securities	$ 378,174	$ 442,469
Common Stock, stated value	$ 0.125	$ 0.125
Common Stock, Authorized	50,000,000	50,000,000
Common Stock, shares Issued	28,692,616	28,559,707
Common Stock, shares outstanding	28,692,616	28,559,707
Preferred stock, Series B
Preferred Stock, no-par value	$ 0	$ 0
Preferred Stock, liquidation value	$ 1,000	$ 1,000
Preferred Stock, Authorized	500,000	500,000
Preferred Stock, Issued	90,782.94	90,782.94
Preferred Stock, outstanding	90,782.94	90,782.94
Cumulative Preferred Stock
Preferred Stock, par value	$ 1,000	$ 1,000
Preferred Stock, liquidation value	$ 1,000	$ 1,000
Preferred Stock, Authorized	600	600
Preferred Stock, Issued	125	125
Preferred Stock, outstanding	125	125

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Loans receivable:
Taxable	$ 146,745	$ 149,716	$ 174,070
Tax-exempt	480	528	515
Investment securities:
Taxable	17,027	19,230	12,957
Tax-exempt	10,189	10,167	10,377
Federal funds sold		3	26
Deposits with financial institutions	100	282	381
Federal Reserve and Federal Home Loan Bank stock	1,408	1,319	1,252
Total Interest Income	175,949	181,245	199,578
INTEREST EXPENSE
Deposits	14,800	22,281	39,876
Federal funds purchased	69	25	5
Securities sold under repurchase agreements	907	1,511	1,712
Federal Home Loan Bank advances	2,624	4,181	5,368
Subordinated debentures, revolving credit lines and term loans	5,213	9,892	9,048
Total Interest Expense	23,613	37,890	56,009
NET INTEREST INCOME	152,336	143,355	143,569
Provision for loan losses	18,534	22,630	46,483
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	133,802	120,725	97,086
OTHER INCOME
Service charges on deposit accounts	11,587	11,972	13,283
Fiduciary activities	7,891	7,650	7,692
Other customer fees	11,233	10,024	8,990
Commission income	6,224	5,660	6,225
Earnings on cash surrender value of life insurance	3,418	2,596	2,098
Net gains and fees on sales of loans	10,628	7,418	6,806
Net realized gains on sales of available for sale securities	2,389	2,439	3,406
Other-than-temporary impairment on available for sale securities		(2,788)	(3,049)
Portion of loss recognized in other comprehensive income before taxes		2,388	1,505
Net impairment losses recognized in earnings		(400)	(1,544)
Gain on FDIC modified whole bank transaction	9,124
Other income	1,808	1,761	1,588
Total Other Income	64,302	49,120	48,544
OTHER EXPENSES
Salaries and employee benefits	79,398	74,735	73,253
Net occupancy	10,186	10,118	9,935
Equipment	7,201	6,794	7,323
Marketing	2,158	2,002	1,970
Outside data processing fees	5,656	5,671	5,093
Printing and office supplies	1,169	1,242	1,259
Core deposit amortization	1,927	3,548	4,721
FDIC assessments	3,509	5,531	8,121
Other real estate owned and credit-related expenses	8,178	10,614	12,436
Other expenses	17,733	15,683	18,200
Total Other Expenses	137,115	135,938	142,311
INCOME BEFORE INCOME TAX	60,989	33,907	3,319
Income tax expense (benefit)	15,867	8,655	(3,590)
NET INCOME	45,122	25,252	6,909
Gain on exchange of preferred stock for trust preferred debt			11,353
Loss on CPP unamortized discount		(1,401)	(1,301)
Loss on extinguishment of trust preferred securities		(10,857)
Preferred stock dividends and discount accretion	(4,539)	(3,981)	(5,239)
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 40,583	$ 9,013	$ 11,722
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS PER SHARE:
Basic (usd per share)	$ 1.42	$ 0.34	$ 0.48
Diluted (usd per share)	$ 1.41	$ 0.34	$ 0.48

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Net income	$ 10,310	$ 7,561	$ 45,122	$ 25,252	$ 6,909
Other comprehensive income (loss) net of tax:
Unrealized holding gain (loss) on securities available for sale arising during the period, net of tax of $654, $10,658, and $106			1,214	19,793	(197)
Unrealized loss on securities transferred to held-to-maturity, net of tax of $2,864				(5,315)
Unrealized gain (loss) on securities available for sale for which a portion of an other than temporary impairment has been recognized in income, net of tax of $56, $86, and $539			(104)	160	(1,001)
Reclassification adjustment for net gains included in net income net of tax of $759, $714, and $652			(952)	(2,129)	288
Defined Benefit Pension Plans, net of tax of $346, $2,492, and $526			(1,413)	(1,326)	(1,210)
Net Gain (Loss) Arising During Period			(577)	(5,722)	156
Prior Service Cost Arising During Period				26	583
Amortization of Prior Service Cost			(65)	1,068	50
Other Comprehensive Income, net of tax			(1,897)	6,555	(1,331)
Comprehensive income			43,225	31,807	$ 5,578
Components of accumulated other comprehensive income (loss)
Net unrealized gain on securities available for sale	17,904	18,244	17,904	18,244
Net unrealized loss on securities available for sale for which a portion of an other-than-temporary impairment has been recognized in income	(3,272)	(3,168)	(3,272)	(3,168)
Net unrealized loss on cash flow hedges	(2,652)	(1,841)	(2,652)	(1,841)
Defined benefit plans	(17,479)	(16,837)	(17,479)	(16,837)
Accumulated other comprehensive loss	$ (5,499)	$ (3,602)	$ (5,499)	$ (3,602)

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (Parenthetical) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Unrealized holding gain on securities available for sale arising during the period, income tax	$ 654	$ 10,658	$ (106)
Unrealized loss on securities transferred to held-to-maturity, tax		2,864
Unrealized gain (loss) on securities available for sale for which a portion of an other than temporary impairment has been recognized in income, tax	56	(86)	539
Unrealized gains/(losses) arising during the period, tax	(514)	(1,146)	155
Reclassification adjustment for losses included in net income, tax	759	714	652
Defined Benefit Pension Plans, tax	$ 346	$ 2,492	$ (526)

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Preferred	Common Stock	Additional Paid in Capital	Retained Earnings	Accumulated Other Comprehensive Income (Loss)
Beginning Balance (in shares) at Dec. 31, 2009		116,125	21,227,741
Beginning Balance at Dec. 31, 2009	$ 463,785	$ 112,498	$ 2,653	$ 206,600	$ 150,860	$ (8,826)
Comprehensive Income
Net income	6,909				6,909
Other Comprehensive Income, net of tax	(1,331)					(1,331)
Cash Dividends on Common Stock ($.04 in 2010 and 2011, $.10 in 2012 per Share)	(989)				(989)
Cash Dividends on Preferred Stock	(5,366)				(5,366)
Cumulative Preferred Stock Converted to Trust Preferred Securities (shares)		(46,400)
Cumulative Preferred Stock Converted to Trust Preferred Securities	(46,400)	$ (46,400)
Gain on exchange of preferred stock for trust preferred debt	11,353				11,353
Tax Benefit (Loss) from Stock Options Exercised	(50)			(50)
Accretion of Discount on Preferred Stock		606			(606)
Loss on Capital Purchase Program Unamortized Discount	(1,301)	$ 1,301			(1,301)
Private Stock Issuance (shares)			4,200,000
Private Stock Issuance	24,150		$ 525	23,625
Share-based Compensation (in shares)			49,833
Share-based Compensation	1,750		$ 6	1,744
Stock Issued Under Employee Benefit Plans (in shares)			97,966
Stock Issued Under Employee Benefit Plans	582		$ 12	570
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan (in shares)			11,545
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan	91		$ 2	89
Stock Redeemed (in shares)			(12,834)
Stock Redeemed	(76)		$ (1)	(75)
Ending Balance (in shares) at Dec. 31, 2010		69,725	25,574,251
Ending Balance at Dec. 31, 2010	454,408	$ 68,005	$ 3,197	232,503	160,860	(10,157)
Comprehensive Income
Net income	25,252				25,252
Other Comprehensive Income, net of tax	6,555					6,555
Cash Dividends on Common Stock ($.04 in 2010 and 2011, $.10 in 2012 per Share)	(1,067)				(1,067)
Cash Dividends on Preferred Stock	(3,662)				(3,662)
Accretion of Discount on Preferred Stock		319			(319)
Loss on Capital Purchase Program Unamortized Discount	(1,401)	$ 1,401			(1,401)
Repurchase of Capital Purchase Program Warrants	(368)			(368)
Loss on extinguishment of trust preferred securities	(10,857)				(10,857)
Equity Adjustment Related to First Merchant Reinsurance Co. LTD	(89)				(89)
Preferred Stock Redeemed under Capital Purchase Program (in shares)		(69,600)
Preferred Stock Redeemed under Capital Purchase Program	(69,600)	$ (69,600)
Preferred Stock issued under the Small Business Lending Fund (shares)		90,783
Preferred Stock issued under the Small Business Lending Fund	90,783	$ 90,783
Private Stock Issuance (shares)			2,822,000
Private Stock Issuance	21,165		$ 353	20,812
Share-based Compensation (in shares)			72,824
Share-based Compensation	1,315		$ 9	1,306
Stock Issued Under Employee Benefit Plans (in shares)			93,797
Stock Issued Under Employee Benefit Plans	669		$ 12	657
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan (in shares)			11,073
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan	89		$ 1	88
Stock Redeemed (in shares)			(14,238)
Stock Redeemed	(126)		$ (2)	(124)
Ending Balance (in shares) at Dec. 31, 2011			28,559,707
Ending Balance at Dec. 31, 2011	514,467		$ 3,570	254,874	168,717	(3,602)
Comprehensive Income
Net income	45,122				45,122
Other Comprehensive Income, net of tax	(1,897)					(1,897)
Cash Dividends on Common Stock ($.04 in 2010 and 2011, $.10 in 2012 per Share)	(2,903)				(2,903)
Cash Dividends on Preferred Stock	(4,539)				(4,539)
Share-based Compensation (in shares)			86,325
Share-based Compensation	1,492		$ 11	1,481
Stock Issued Under Employee Benefit Plans (in shares)			41,867
Stock Issued Under Employee Benefit Plans	449		$ 5	444
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan (in shares)			15,709
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan	$ 202		$ 2	200
Stock Options Exercised (in shares)	10,500		10,500
Stock Options Exercised	$ 78		$ 1	77
Stock Redeemed (in shares)			(21,492)
Stock Redeemed	(235)		$ (2)	(233)
Ending Balance (in shares) at Dec. 31, 2012		90,908	28,692,616
Ending Balance at Dec. 31, 2012	$ 552,236	$ 90,908	$ 3,587	$ 256,843	$ 206,397	$ (5,499)

CONSOLIDATED STATEMENT OF STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Cash Dividends on Common Stock	$ 0.10	$ 0.04	$ 0.04

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Cash Flow From Operating Activities:
Net income	$ 45,122	$ 25,252	$ 6,909
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	18,534	22,630	46,483
Depreciation and amortization	4,472	5,158	5,702
Change in deferred taxes	15,890	8,256	(1,810)
Share-based compensation	1,492	1,315	1,750
Tax expense (benefit) from stock options exercised			50
Mortgage loans originated for sale	(393,565)	(297,031)	(254,712)
Proceeds from sales of mortgage loans	389,129	300,636	241,279
Gain on acquisition	(9,124)
Gains on sales of securities available for sale	(2,389)	(2,439)	(3,406)
Recognized loss on other-than-temporary-impairment		400	1,544
Change in interest receivable	1,884	951	2,144
Change in interest payable	(1,451)	(1,337)	(1,449)
Other adjustments	275	21,693	36,567
Net cash provided by operating activities	70,269	85,484	81,051
Cash Flows from Investing Activities:
Net change in interest-bearing deposits	14,408	12,365	8,809
Purchases of:
Securities available for sale	(139,555)	(200,688)	(311,465)
Securities held to maturity	(4,262)	(82,700)	(180,311)
Proceeds from sales of securities available for sale	52,350	75,930	117,804
Proceeds from maturities of:
Securities available for sale	112,141	60,459	65,688
Securities held to maturity	68,118	45,595	40,825
Change in Federal Reserve and Federal Home Loan Bank stock	246	2,614	4,692
Purchase of bank owned life insurance		(25,000)
Net change in loans	(123,036)	61,363	345,518
Net cash received from acquisition	29,113
Proceeds from the sale of other real estate owned	4,428	13,612	20,641
Other adjustments	(2,065)	8,287	(2,348)
Net cash provided by (used in) investing activities	11,886	(28,163)	109,853
Net change in :
Demand and savings deposits	228,725	68,803	84,993
Certificates of deposit and other time deposits	(142,906)	(203,028)	(352,649)
Borrowings	138,127	306,535	2,382
Repayment of borrowings	(271,005)	(252,509)	(65,247)
Dividends on common stock	(2,903)	(1,067)	(989)
Dividends on preferred stock	(4,539)	(3,662)	(4,931)
Stock issued in private equity placement		21,165	24,150
Stock issued under employee benefit plans	449	669	582
Stock issued under dividend reinvestment and stock purchase plans	202	89	91
Stock options exercised	78
Cumulative preferred stock issued (SBLF)		90,783
Cumulative preferred stock redeemed (CPP)		(69,600)
Repurchase of stock warrant (CPP)		(368)
Tax (expense) benefit from stock options exercised			(50)
Stock redeemed	(235)	(126)	(76)
Net cash used in financing activities	(54,007)	(42,316)	(311,744)
Net Change in Cash and Cash Equivalents	28,148	15,005	(120,840)
Cash and Cash Equivalents, January 1	73,312	58,307	179,147
Cash and Cash Equivalents, December 31	101,460	73,312	58,307
Additional cash flows information:
Interest paid	24,697	39,227	57,458
Income tax paid (refunded)	11,738	(2,977)	(17,674)
Exchange of preferred stock for trust preferred debt			46,400
Loans transferred to other real estate owned	4,441	$ 14,188	$ 32,950
Non-cash investing activities using trade date accounting	1,518
Liabilities assumed, net of cash	$ 166,112

Nature of Operations and Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2012
Accounting Policies [Abstract]
Nature of Operations and Summary of Significant Accounting Policies	NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES The accounting and reporting policies of First Merchants Corporation (the “Corporation”), and its principal wholly owned subsidiaries, First Merchants Bank, N.A. (the “Bank”), and First Merchants Insurance Services, Inc. operating as First Merchants Insurance Group (“FMIG”), conform to accounting principles generally accepted in the United States of America and reporting practices followed by the banking industry. The Bank also operates Lafayette Bank and Trust, Commerce National Bank and First Merchants Trust Company as divisions of First Merchants Bank, N.A. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. The Corporation is a financial holding company whose principal activity is the ownership and management of the Bank and operates in a single significant business segment. The Bank operates under a national bank charter and provides full banking services. As a national bank, the Bank is subject to the regulation of the Office of Comptroller of the Currency (“OCC”) and the Federal Deposit Insurance Corporation (“FDIC”). The OCC and the FDIC regulate or monitor virtually all areas of the Bank’s operations. The Bank must undergo regular on-site examinations by the OCC and FDIC and must submit periodic reports to both. The Bank generates commercial, mortgage, and consumer loans and receives deposits from customers located primarily in central Indiana and Butler and Franklin counties in Ohio. The Bank’s loans are generally secured by specific items of collateral, including real property, consumer assets and business assets. Consolidation The consolidated financial statements include the accounts of the Corporation and all its subsidiaries, after elimination of all material intercompany transactions. A brief description of current accounting practices and current valuation methodologies are presented below. AVAILABLE FOR SALE SECURITIES are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices when available. Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. There are no securities classified within Level 1 of the hierarchy. If quoted prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. Level 2 securities include agencies, mortgage backs, state and municipal and equity securities. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy and include state and municipals, corporate obligations and equity securities. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. Available for sale and held to maturity securities are evaluated for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio into two general segments and applying the appropriate OTTI model. Investment securities are generally evaluated for OTTI under ASC 320. However, certain purchased beneficial interest, including certain non-agency government-sponsored mortgage-backed securities, asset-backed securities and collateralized debt obligations are evaluated using the model outlined in ASC 325-10. In determining OTTI under ASC 320, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Corporation has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether a decline exists that is other-than-temporary, involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When the Corporation does not intend to sell a debt security, and it is more likely than not, the Corporation will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors has been recognized in other comprehensive income, net of applicable income taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment. If the intent is to sell or it is more likely than not that the Corporation will be required to sell the security before recovery of its amortized cost basis, less any recognized credit loss, the OTTI is recognized in earnings equal to the entire difference between the investment’s amortized cost basis, less any recognized credit loss, and its fair value at the balance sheet date. HELD TO MATURITY SECURITIES are classified as held to maturity when the Corporation has the positive intent and ability to hold the securities to maturity. Securities held to maturity are carried at amortized cost. For held to maturity debt securities, the amount of an OTTI recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. MORTGAGE LOANS HELD FOR SALE are carried at the principal amount outstanding. The carrying amount approximates fair value due to the short duration between origination and the date of sale. LOANS held in the Corporation’s portfolio are carried at the principal amount outstanding. Certain non-accrual and substantially delinquent loans may be considered to be impaired. A loan is impaired when, based on current information or events, it is probable that the Bank will be unable to collect all amounts due (principal and interest) according to the contractual terms of the loan agreement. In applying the provisions of ASC 310, the Corporation considers its investment in one-to-four family residential loans and consumer installment loans to be homogeneous and therefore excluded from separate identification for evaluation of impairment. Interest income is accrued on the principal balances of loans, except for installment loans with add-on interest, for which a method that approximates the level yield method is used. The accrual of interest on impaired loans is discontinued when, in management’s opinion, the borrower may be unable to meet payments as they become due. When interest accrual is discontinued, all unpaid accrued interest is reversed when considered uncollectable. Interest income is subsequently recognized only to the extent cash payments are received and the loan is returned to accruing status. Certain loan fees and direct costs are being deferred and amortized as an adjustment of yield on the loans. Impaired loans are carried at the present value of estimated future cash flows using the loan’s existing rate, or the fair value of collateral if the loan is collateral dependent. A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance. If these allocations cause the allowance for loan losses to increase, such increase is reported as a component of the provision for loan losses. Loan losses are charged against the allowance when management believes the uncollectability of the loan is confirmed. The valuation would be considered Level 3, consisting of appraisals of underlying collateral and discounted cash flow analysis. Loan commitments and letters-of-credit generally have short-term, variable-rate features and contain clauses which limit the Bank’s exposure to changes in customer credit quality. Accordingly, their carrying values, which are immaterial at the respective balance sheet dates, are reasonable estimates of fair value. LOANS ACQUIRED IN BUSINESS COMBINATIONS with evidence of credit deterioration since origination and for which it is probable that all contractually required payments will not be collected are considered to be credit impaired. Evidence of credit quality deterioration as of purchase dates may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Acquired credit-impaired loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality (FASB ASC 310-30) and initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. Accordingly, allowances for credit losses related to these loans are not carried over and recorded at the acquisition date. Loans acquired through business combinations that do not meet the specific criteria of FASB ASC 310-30, but for which a discount is attributable, at least in part to credit quality, are also accounted for under this guidance. As a result, related discounts are recognized subsequently through accretion based on the expected cash flows of the acquired loans. For purposes of applying FASB ASC 310-30, loans acquired in business combinations are aggregated into pools of loans with common risk characteristics for the initial fair value measurement. The expected cash flows of the acquired loans in excess of the fair values recorded is referred to as the accretable yield and is recognized in interest income over the remaining estimated lives of the loans. The Corporation will continually evaluate the fair value of the loans including cash flows expected to be collected. ALLOWANCE FOR LOAN LOSSES is maintained to absorb losses inherent in the loan portfolio and is based on ongoing, quarterly assessments of the probable losses inherent in the loan portfolio. The allowance is increased by the provision for loan losses, which is charged against current operating results. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Corporation’s strategy for credit risk management includes conservative credit policies and underwriting criteria for all loans, as well as an overall credit limit for each customer significantly below legal lending limits. The strategy also emphasizes diversification on a regional geographic, industry and customer level, regular credit quality reviews and management reviews of large credit exposures and loans experiencing deterioration of credit quality. The Corporation’s methodology for assessing the appropriateness of the allowance consists of three key elements – the determination of the appropriate reserves for specifically identified loans, probable losses estimated from historical loss rates, and probable losses resulting from economic, environmental, qualitative or other deterioration above and beyond what is reflected in the first two components of the allowance. Larger commercial loans that exhibit probable or observed credit weaknesses are subject to individual review. Where appropriate, reserves are allocated to individual loans based on management’s estimate of the borrower’s ability to repay the loan given the availability of collateral, other sources of cash flow and legal options available to the Corporation. Included in the review of individual loans are those that are impaired as provided in ASC 310. Any allowances for impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or fair value of the underlying collateral. The Corporation evaluates the collectability of both principal and interest when assessing the need for a loss accrual. Historical loss rates are applied to other commercial loans not subject to specific reserve allocations. The historical allocation for commercial loans graded pass are established by loan segments using loss rates based on the Corporation’s migration analysis. This migration analysis shows the loss rates for each segment of loans based on the loan grades at the beginning of the twelve month period. This loss rate is then applied to the current portfolio of loans in each respective loan segment. Homogenous loans, such as consumer installment and residential mortgage loans, are not individually risk graded. Reserves are established for each segment of loans using loss rates based on charge offs for the same period as the migration analysis used for commercial loans. Historical loss allocations for commercial and consumer loans may be adjusted for significant factors that, in management’s judgment, reflect the impact of any current conditions on loss recognition. Factors which management considers in the analysis include the effects of the national and local economies, trends in loan growth and charge-off rates, changes in mix, concentration of loans in specific industries, asset quality trends (delinquencies, charge offs and non-accrual loans), risk management and loan administration, changes in the internal lending policies and credit standards, examination results from bank regulatory agencies and the Corporation’s internal loan review. PENSION benefits are provided to the Corporation’s employees. Its accounting policies related to pensions and other post retirement benefits reflect the guidance in ASC 715, Compensation – Retirement Benefits. The Corporation does not consolidate the assets and liabilities associated with the pension plan. Instead, the Corporation recognizes the funded status of the plan in the balance sheet. The measurement of the funded status and the annual pension expense involves actuarial and economic assumptions. Various statistical and other factors, which attempt to anticipate future events, are used in calculating the expense and liabilities related to the plans. Key factors include assumptions on the expected rates of return on plan assets, discount rates, expected rates of salary increases and health care costs and trends. The Corporation considers market conditions, including changes in investment returns and interest rates in making these assumptions. The primary assumptions used in determining the Corporation’s pension and post retirement benefit obligations and related expenses are presented in Note 18. PENSION AND OTHER POST RETIREMENT BENEFIT PLANS, in the Notes to Consolidated Financial Statements included as Item 8 of this Annual Report on Form 10-K. PREMISES AND EQUIPMENT is carried at cost net of accumulated depreciation. Depreciation is computed using the straight-line and declining balance methods based on the estimated useful lives of the assets ranging from three to forty years. Maintenance and repairs are expensed as incurred, while major additions and improvements are capitalized. Gains and losses on dispositions are included in current operations. FEDERAL RESERVE AND FEDERAL HOME LOAN BANK STOCK are required investments for institutions that are members of the Federal Reserve Bank (“FRB”) and Federal Home Loan Bank systems. The required investment in the common stock is based on a predetermined formula. INTANGIBLE ASSETS that are subject to amortization, including core deposit intangibles, are being amortized on both the straight-line and accelerated basis over three to twenty years. Intangible assets are periodically evaluated as to the recoverability of their carrying value. GOODWILL is maintained by applying the provisions of ASC 350. For purchase acquisitions, the Corporation is required to record the assets acquired, including identified intangible assets, and the liabilities assumed at their fair value, which in many instances involves estimates based on third party valuations, such as appraisals, or internal valuations based on discounted cash flow analyses or other valuation techniques that may include estimates of attrition, inflation, asset growth rates or other relevant factors. In addition, the determination of the useful lives for which an intangible asset will be amortized is subjective. Under ASC 350, Intangibles – Goodwill and Other, the Corporation is required to evaluate goodwill for impairment on an annual basis, as well as on an interim basis, if events or changes indicate that the asset may be impaired, indicating that the carrying value may not be recoverable. The Corporation has historically elected to test for goodwill impairment as of September 30 of each year. Based on the economic environment, earnings and stock price, in 2012 and 2011, the Corporation used a third party to evaluate goodwill for impairment as of October 1, 2012 and 2011, respectively. The methodology and results of the test are further discussed in the “GOODWILL” section of Management’s Discussion and Analysis of Financial Condition and Results of Operations included as Item 7 of this Annual Report on Form 10-K. An impairment loss must be recognized for any excess of carrying value over fair value of the goodwill or the indefinite-lived intangible with subsequent reversal of the impairment loss being prohibited. The tests for impairment fair values are based on internal valuations using management’s assumptions of future growth rates, future attrition, discount rates, multiples of earnings or other relevant factors. The resulting estimated fair values could have a significant impact on the carrying values of goodwill or intangibles and could result in impairment losses being recorded in future periods. The Corporation cannot predict the occurrence of certain future events that might adversely affect the reported value of goodwill. Such events include, but are not limited to, strategic decisions made in response to economic and competitive conditions, the effect of the economic environment on the Corporation’s customer base, or a material negative change in its relationship with significant customers. OTHER REAL ESTATE OWNED consists of assets acquired through, or in lieu of, loan foreclosure and are held for sale. They are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation are included in net income or expense from foreclosed assets. DERIVATIVE INSTRUMENTS are carried at the fair value of the derivatives and reflects the estimated amounts that would have been received to terminate these contracts at the reporting date based upon pricing or valuation models applied to current market information. As part of the asset/liability management program, the Corporation will utilize, from time to time, interest rate floors, caps or swaps to reduce its sensitivity to interest rate fluctuations. These are derivative instruments, which are recorded as assets or liabilities in the consolidated balance sheets at fair value. Changes in the fair values of derivatives are reported in the consolidated statements of operations or other comprehensive income (“OCI”) depending on the use of the derivative and whether the instrument qualifies for hedge accounting. The key criterion for the hedge accounting is that the hedged relationship must be highly effective in achieving offsetting changes in those cash flows that are attributable to the hedged risk, both at inception of the hedge and on an ongoing basis. Derivatives that qualify for the hedge accounting treatment are designated as either: a hedge of the fair value of the recognized asset or liability or of an unrecognized firm commitment (a fair value hedge) or a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (a cash flow hedge). To date, the Corporation has only entered into a cash flow hedge. For cash flow hedges, changes in the fair values of the derivative instruments are reported in OCI to the extent the hedge is effective. The gains and losses on derivative instruments that are reported in OCI are reflected in the consolidated statements of operations in the periods in which the results of operations are impacted by the variability of the cash flows of the hedged item. Generally, net interest income is increased or decreased by amounts receivable or payable with respect to the derivatives, which qualify for hedge accounting. At inception of the hedge, the Corporation establishes the method it uses for assessing the effectiveness of the hedging derivative and the measurement approach for determining the ineffective aspect of the hedge. The ineffective portion of the hedge, if any, is recognized currently in the consolidated statements of operations. The Corporation excludes the time value expiration of the hedge when measuring ineffectiveness. The Corporation offers interest rate derivative products (e.g. interest rate swaps) to certain of its high-quality commercial borrowers. This product allows customers to enter into an agreement with the Corporation to swap their variable rate loan to a fixed rate. These derivative products are designed to reduce, eliminate or modify the risk of changes in the borrower’s interest rate or market price risk. The extension of credit incurred through the execution of these derivative products is subject to the same approvals and rigorous underwriting standards as the related traditional credit product. The Corporation limits its risk exposure to these products by entering into a mirror-image, offsetting swap agreement with a separate, well-capitalized and rated counterparty previously approved by the Credit and Asset Liability Committee. By using these interest rate swap arrangements, the Corporation is also better insulated from the interest rate risk associated with underwriting fixed-rate loans. These derivative contracts are not designated against specific assets or liabilities under ASC 815, Derivatives and Hedging, and, therefore, do not qualify for hedge accounting. The derivatives are recorded on the balance sheet at fair value and changes in fair value of both the customer and the offsetting swap agreements are recorded (and essentially offset) in non-interest income. The fair value of the derivative instruments incorporates a consideration of credit risk (in accordance with ASC 820), resulting in some volatility in earnings each period. INCOME TAX in the consolidated statements of income includes deferred income tax provisions or benefits for all significant temporary differences in recognizing income and expenses for financial reporting and income tax purposes. The Corporation files consolidated income tax returns with its subsidiaries. The Corporation adopted the provisions of the ASC 740, Income Taxes, which prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. ASC 740 also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. As a result of the implementation of ASC 740, the Corporation did not identify any uncertain tax positions that it believes should be recognized in the financial statements. The tax years still subject to examination by taxing authorities are years subsequent to 2008. STOCK OPTION AND RESTRICTED STOCK AWARD PLANS are maintained by the Corporation. The compensation costs are recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. The market price of the Corporation’s common stock at the date of grant is used for restricted stock awards. Compensation expense is recognized over the appropriate service period, which is generally two or three years. EARNINGS PER SHARE have been computed based upon the weighted average common and common equivalent shares outstanding during each year. RECLASSIFICATIONS have been made to prior financial statements to conform to the current financial statement presentation. These reclassifications had no effect on net income. CURRENT ECONOMIC CONDITIONS continue to present financial institutions with circumstances and challenges which, in some cases, have resulted in large and unanticipated declines in the fair values of investments and other assets, constraints on liquidity and capital and significant credit quality problems, including severe volatility in the valuation of real estate and other collateral supporting loans. The accompanying financial statements have been prepared using values and information currently available to the Corporation. Given the volatility of current economic conditions, the values of assets and liabilities recorded in the financial statements could change rapidly, resulting in material future adjustments in asset values, the allowance for loan losses and capital that could negatively impact the Corporation’s ability to meet regulatory capital requirements and maintain sufficient liquidity.

Purchase and Assumption

12 Months Ended

Dec. 31, 2012

Business Combinations [Abstract]

Purchase and Assumption

PURCHASE AND ASSUMPTION

Effective February 10, 2012, the Bank assumed substantially all of the deposits and certain other liabilities and acquired certain assets of SCB Bank, a federal savings bank headquartered in Shelbyville, Indiana, from the Federal Deposit Insurance Corporation (“FDIC”), as receiver for SCB Bank (the “Acquisition”), pursuant to the terms of the Purchase and Assumption Agreement - Modified Whole Bank; All Deposits (the “Agreement”), entered into by the Bank, the FDIC as receiver of SCB Bank and the FDIC.

Under the terms of the Agreement, the Bank acquired $147.7 million in assets, including approximately $11.9 million of cash and cash equivalents, $18.9 million of marketable securities, $1.8 million in Federal Home Loan Bank stock, $113.0 million in loans and $2.1 million of premises and other assets. The Bank assumed approximately $135.7 million of liabilities, including approximately $125.9 million in customer deposits, $9.6 million of other borrowed money and $402,000 in other liabilities. These balances are book balances and do not reflect the fair value adjustments which are shown in the following table. The acquisition did not include any loss sharing agreement with the FDIC.

The bid accepted by the FDIC included no deposit premium. The assets were acquired at a discount of $29.0 million from book value. The FDIC made a payment of $17.2 million to the Bank upon the final closing date balance sheet for SCB Bank that reflected the difference between the purchase price of the assets acquired and the value of the liabilities assumed.

The Bank engaged in this transaction with the expectation that it would be immediately accretive and add a new market area with a demographic profile consistent with many of the current Indiana markets served by the Bank.

The transaction was accounted for under the acquisition method of accounting in accordance with the Business Combination topic of the FASB Accounting Standards Codification (“ASC 310-20 and 310-30”). The statement of net assets and liabilities acquired as of February 10, 2012, are presented below. The assets and liabilities of SCB were recorded at the respective acquisition date provisional fair values, and identifiable intangible assets were recorded at provisional fair value.



Assets			Liabilities
Cash and due from banks ⁽¹⁾	$	29,113	Deposits:
Investment securities, available for sale	18,896		Non-interest bearing	$	13,715
Federal Home Loan Bank stock	1,761		NOW accounts	14,746
Loans:			Savings and money market	25,843
Commercial	51,042		Certificate of deposit	71,605
Residential mortgage	11,181		Total Deposits	125,909
Installment	31,570
Total Loans	93,793		Federal Home Loan Bank advances	10,286
			Other liabilities	804
Premises	1,516		Total Liabilities Assumed	$	136,999
Core deposit intangible	484
Other assets	560		Net Gain on Acquisition	$	9,124
Total Assets Purchased	$	146,123


(1)	Includes $17,200,000 cash received from the FDIC.

In many cases, the fair values of assets acquired and liabilities assumed were determined by estimating cash flows expected to result from those assets and liabilities and discounting them at appropriate market rates. The most significant category of assets for which this procedure was used was acquired loans. The Bank acquired the $113.0 million loan portfolio at a fair value discount of $19.2 million. The performing portion of the portfolio,$86.3 million, had an estimated fair value of $76.5 million. The excess of expected cash flows above the fair value of the performing portion of loans will be accreted to interest income over the remaining lives of the loans in accordance with ASC 310-20. Discounts or premiums on term loans are accounted for under an effective yield method. Prepayments on term loans would be accounted for in the effective yield calculation. Discounts or premiums on lines of credit are treated in a straight line method over the term of the lines of credit.

Certain loans for which specific credit-related deterioration has occurred since origination are recorded at fair value which is derived from calculating the present value of the amounts expected to be collected. Income recognition on these loans is based on reasonable expectation about the timing and amount of cash flows to be collected. Some of the acquired loans deemed impaired and considered collateral dependent, with the timing of a sale of loan collateral indeterminate, remain on non-accrual status and have little or no accretable yield.

In accordance with ASC 310-30 (formerly Statement of Position (“SOP”) 03-3 as of February 10, 2012, loans acquired during 2012 for which it was probable at acquisition that all contractually required payments would not be collected are as follows:



Preliminary estimate of contractually required principal and interest at acquisition	$	31,143
Preliminary estimate of contractual cash flows not expected to be collected (nonaccretable differences)	9,688
Preliminary estimate of expected cash flows at acquisition	21,455
Preliminary estimate of interest component of expected cash flows (accretable discount)	4,152
Preliminary estimate of fair value of acquired loans accounted for under ASC 310-30	$	17,303

Pro-forma statements were determined to be impracticable due to the nature of the transaction as certain assets were not purchased.

The carrying amount of these loans is included in the balance sheet amounts of loans receivable at December 31, 2012. The amounts are as follows:



	December 31,
	2012
Commercial and industrial loans	$	8,542
Agricultural production financing and other farm loans	1,127
Real estate loans
Construction	58
Commercial and farmland	24,259
Residential	12,118
Home Equity	18,805
Individuals' loans for household and other personal expenditures	691
Total	$	65,600

Accretable yield, or income expected to be collected, is as follows:



	Twelve Months Ended December 31, 2012
Beginning balance, February 10, 2012	$	9,774
Accretions	(4,632		)
Ending Balance, December 31, 2012	$	5,142

- 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).

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+ Details

Restriction on Cash and Due From Banks	12 Months Ended
Restriction on Cash and Due From Banks	Dec. 31, 2012
Cash and Cash Equivalents [Abstract]
Restriction on Cash and Due From Banks	RESTRICTION ON CASH AND DUE FROM BANKS The Corporation considers all liquid investments with original maturities of three months or less to be cash equivalents. As of December 31, 2012, cash and cash equivalents is defined to include cash on hand, deposits in other institutions and federal funds sold. Effective October 3, 2008, the FDIC’s insurance limits temporarily increased to $250,000. On July 21, 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”) was signed into law, which, in part, permanently raised the standard maximum deposit insurance amount to $250,000. At December 31, 2012, the Corporation’s interest-bearing cash accounts held at other institutions exceeded federally insured limits by approximately $33,228,000. Each correspondent bank’s financial performance and market rating are reviewed on a quarterly basis to ensure the Corporation has deposits only at institutions providing minimal risk for those exceeding the federally insured limits. On November 9, 2010, the FDIC implemented section 343 of the Dodd-Frank Act providing unlimited insurance coverage on noninterest-bearing transaction accounts. Beginning December 31, 2010, through December 31, 2012, all noninterest-bearing transaction accounts are fully insured, regardless of the balance of the account, at all FDIC-insured institutions. The Corporation’s noninterest-bearing transaction deposits at other institutions of approximately $6,909,000 were fully insured at December 31, 2012. As of January 1, 2013, noninterest-bearing transaction deposit accounts are no longer insured separately from other accounts at the same FDIC-insured institution. Instead, noninterest-bearing transaction accounts will be added to any of the Corporations's other accounts, and the aggregate balance insured up to at least the Standard Maximum Deposit Insurance Amount of $250,000, at each institution. Additionally, the Corporation had approximately $3,508,000 at the Federal Home Loan Bank and Federal Reserve Bank, which are government-sponsored entities not insured by the FDIC. The Corporation is required to maintain reserve funds in cash and/or on deposit with the Federal Reserve Bank. The reserve required at December 31, 2012, was $24,181,000.

- Definition

The entire disclosure for cash and cash equivalent footnotes, which may include the types of deposits and money market instruments, applicable carrying amounts, restricted amounts and compensating balance arrangements. Cash and equivalents include: (1) currency on hand (2) demand deposits with banks or financial institutions (3) other kinds of accounts that have the general characteristics of demand deposits (4) short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments maturing within three months from the date of acquisition qualify.

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-Number 95
-Paragraph 8, 9, 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.

+ Details

Investment Securities

12 Months Ended

Dec. 31, 2012

Investments, Debt and Equity Securities [Abstract]

Investment Securities

INVESTMENT SECURITIES

The amortized cost, gross unrealized gains, gross unrealized losses and approximate market value of the investment securities at the dates indicated were:



	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Available for sale at December 31, 2012
U.S. Government-sponsored agency securities	$	4,475	$	165			$	4,640
State and municipal	148,187		10,025		$	18	158,194
U.S. Government-sponsored mortgage-backed securities	337,631		10,994		46		348,579
Corporate obligations	6,105				5,881		224
Equity securities	1,706						1,706
Total available for sale	498,104		21,184		5,945		513,343
Held to maturity at December 31, 2012
State and municipal	117,227		5,489		1		122,715
U.S. Government-sponsored mortgage-backed securities	243,793		11,681		15		255,459
Total held to maturity	361,020		17,170		16		378,174
Total Investment Securities	$	859,124	$	38,354	$	5,961	$	891,517

Available for sale at December 31, 2011
U.S. Government-sponsored agency securities	$	99	$	18			$	117
State and municipal	136,857		10,496				147,353
U.S. Government-sponsored mortgage-backed securities	358,928		10,086		$	16	368,998
Corporate obligations	5,765				5,572		193
Equity securities	1,830						1,830
Total available for sale	503,479		20,600		5,588		518,491
Held to maturity at December 31, 2011
State and municipal	120,171		3,785				123,956
U.S. Government-sponsored mortgage-backed securities	307,738		10,775				318,513
Total held to maturity	427,909		14,560				442,469
Total Investment Securities	$	931,388	$	35,160	$	5,588	$	960,960

Certain investments in debt securities are reported in the financial statements at an amount less than their historical cost. The historical cost of these investments totaled $22,999,000 and $11,925,000 at December 31, 2012 and 2011, respectively. Total fair value of these investments was $17,038,000 and $6,339,000, which is approximately 1.9 and 0.7 percent of the Corporation's available for sale and held to maturity investment portfolio at December 31, 2012 and 2011, respectively.

Except as discussed below, management believes the declines in fair value for these securities are temporary. Should the impairment of any of these securities become other-than-temporary, the cost basis of the investment will be reduced and the resulting loss recognized in net income in the period the other-than-temporary impairment (“OTTI”) is identified.

The Corporation’s management has evaluated all securities with unrealized losses for OTTI as of December 31, 2012. The evaluations are based on the nature of the securities, the extent and duration of the loss and the intent and ability of the Corporation to hold these securities either to maturity or through the expected recovery period.

The current unrealized losses are primarily concentrated within trust preferred securities held by the Corporation. Such investments have an amortized cost of $6.1 million and a fair value of $194,000, which is less than 1 percent of the Corporation’s entire investment portfolio. On all but one small pool investment, the Corporation utilized Moody’s to determine their fair value.

In determining the fair value of the trust preferred securities, the Corporation utilizes a third party for portfolio accounting services, including market value input. The Corporation has obtained an understanding of what inputs are being used by the vendor in pricing the portfolio and how the vendor was classifying these securities based upon these inputs. From these discussions, the Corporation’s management is comfortable that the classifications are proper. The Corporation has gained trust in the data for two reasons: (a) independent spot testing of the data is conducted by the Corporation through obtaining market quotes from various brokers on a periodic basis and (b) actual gains or loss resulting from the sale of certain securities has proven the data to be accurate over time. Discount rates used in the cash flow analysis on these variable rate securities were those margins in effect at the inception of the security added to the appropriate three-month LIBOR spot rate obtained from the forward LIBOR curve used to project future principal and interest payments. These spreads ranged from .85 percent to 1.57 percent spread over LIBOR.

U.S. Government-Sponsored Mortgage-Backed Securities

The unrealized losses on the Corporation's investment in mortgage-backed securities were a result of interest rate changes. The Corporation expects to recover the amortized cost basis over the term of the securities. Because the decline in market value is attributable to changes in interest rates and not credit quality, and because the Corporation does not intend to sell the investments and it is not more likely than not, the Corporation will be required to sell the investments before recovery of their amortized cost basis, which may be maturity, the Corporation does not consider those investments to be other-than-temporarily impaired at December 31, 2012. As noted in the table above, the mortgage-backed securities portfolio contains unrealized losses of $46,000 on four securities and $15,000 on one security in the available for sale and held to maturity portfolios, respectively. All these securities are issued by a government-sponsored entity.

State and Political Subdivisions

The unrealized losses on the Corporation's investments in securities of state and political subdivisions were caused by interest rate increases. The contractual terms of those investments do not permit the issuer to settle the securities at a price less than the amortized cost basis of the investments. Because the Corporation does not intend to sell the investments and it is not more likely than not the Corporation will be required to sell the investments before recovery of their amortized cost basis, which may be maturity, the Corporation does not consider those investments to be other-than-temporarily impaired at December 31, 2012. As noted in the table above, the state and political subdivision securities portfolio contains unrealized losses of $18,000 on eight securities and $1,000 on four securities in the available for sale and held to maturity portfolios respectively.

Corporate Obligations

The Corporation’s unrealized losses on trust preferred securities total $5.9 million on a book value of $6.1 million. The decline in value is attributable to temporary illiquidity and the financial crisis affecting these markets coupled with the potential credit loss resulting from the adverse change in expected cash flows. Due to the illiquidity in the market, it is unlikely that the Corporation would be able to recover its investment in these securities if the Corporation sold the securities at this time. Management has analyzed the cash flow characteristics of the securities and this analysis included utilizing the most recent trustee reports and any other relevant market information, including announcements of deferrals or defaults of trust preferred securities. The Corporation compared expected discounted cash flows, based on performance indicators of the underlying assets in the security, to the carrying value of the investment to determine if OTTI existed. The Corporation does not consider the remainder of the investment securities, which are classified as Level 3 inputs in the fair value hierarchy, to be other-than-temporarily impaired at December 31, 2012. The Corporation does not intend to sell the investment, and it is not more likely than not that the Corporation will be required to sell the investment before recovery of its new, lower amortized cost basis, which may be maturity.

Certain Losses Recognized on Investments

Certain debt securities have experienced fair value deterioration due to credit losses and other market factors. The following table provides information about debt securities for which only a credit loss was recognized in income and other losses are recorded in other comprehensive income.



	Accumulated Credit Losses in		Accumulated Credit Losses in
	2012		2011
Credit losses on debt securities held:
Balance, January 1	$	11,355	$	10,955
Additions related to other-than-temporary losses not previously recognized			400
Balance, December 31	$	11,355	$	11,355

The following table shows the Corporation’s gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2012 and 2011:



	Fair Value		Gross Unrealized Losses		Fair Value		Gross Unrealized Losses		Fair Value		Gross Unrealized Losses
	Less than 12 Months				12 Months or Longer				Total
Temporarily Impaired Investment
Securities at December 31, 2012
State and municipal	$	4,524	$	19					$	4,524	$	19
U.S. Government-sponsored mortgage-backed securities	12,320		61						12,320		61
Corporate obligations					$	194	$	5,881	194		5,881
Total Temporarily Impaired Investment Securities	$	16,844	$	80	$	194	$	5,881	$	17,038	$	5,961

Temporarily Impaired Investment
Securities at December 31, 2011
U.S. Government-sponsored mortgage-backed securities	$	6,176	$	16					$	6,176	$	16
Corporate obligations					$	163	$	5,572	163		5,572
Total Temporarily Impaired Investment Securities	$	6,176	$	16	$	163	$	5,572	$	6,339	$	5,588

The amortized cost and fair value of securities available for sale and held to maturity at December 31, 2012 by contractual maturity are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.



	Available for Sale				Held to Maturity
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Maturity Distribution at December 31, 2012
Due in one year or less	$	4,366	$	4,415	$	2,590	$	2,594
Due after one through five years	14,764		15,468		2,554		2,575
Due after five through ten years	54,148		57,442		57,811		60,163
Due after ten years	85,489		85,733		54,272		57,383
	$	158,767	$	163,058	$	117,227	$	122,715
U.S. Government-sponsored mortgage-backed securities	337,631		348,579		243,793		255,459
Equity securities	1,706		1,706
Total Investment Securities	$	498,104	$	513,343	$	361,020	$	378,174

Securities with a carrying value of approximately $335,775,000, $299,478,000 and $271,091,000 were pledged at December 31, 2012, 2011 and 2010, respectively, to secure certain deposits and securities sold under repurchase agreements, and for other purposes as permitted or required by law.

Gross gains of $2,389,000, $2,439,000 and $3,636,000 in 2012, 2011 and 2010, respectively, and gross losses of $0, $0 and $230,000 in 2012, 2011 and 2010, respectively, were realized on sales of available for sale securities.

- Definition

The entire disclosure for investments in certain debt and equity securities.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-Glossary Debt Security
-URI http://asc.fasb.org/extlink&oid=6509901

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 30
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27290-111563

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-Glossary Equity Security
-URI http://asc.fasb.org/extlink&oid=6511694

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

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62557-112803

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27357-111563

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27161-111563

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=6872113&loc=d3e27405-111563

Reference 10: 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.

+ Details

Loans and Allowance

12 Months Ended

Dec. 31, 2012

Receivables [Abstract]

Loans and Allowance

LOANS AND ALLOWANCE

The Corporation's primary lending focus is small business and middle market commercial, residential real estate, auto and small consumer lending, which results in portfolio diversification. The following tables show the composition in the loan portfolio, loan grades and the allowance for loan losses excluding loans held for sale. Residential real estate loans held for sale at December 31, 2012, and December 31, 2011, were $22,300,000 and $17,864,000, respectively.

Effective February 10, 2012, the Bank assumed $113.0 million in loans as part of the Purchase and Assumption Agreement discussed in NOTE 2. PURCHASE AND ASSUMPTION included in the Notes to Consolidated Condensed Financial Statements of this Form 10-K. This loan portfolio was acquired at a fair value discount of $19.2 million.

The following table shows the composition of the Corporation’s loan portfolio by loan class for the years indicated:



	December 31, 2012			December 31, 2011
Loans:
Commercial and industrial loans	$	622,579		$	532,523
Agricultural production financing and other farm loans	112,527			104,526
Real estate loans:
Construction	98,639			81,780
Commercial and farmland	1,266,682			1,194,230
Residential	473,537			481,493
Home Equity	203,406			191,631
Individual's loans for household and other personal expenditures	75,748			84,172
Lease financing receivables, net of unearned income	2,590			3,555
Other loans	46,501			39,505
Loans	2,902,209			2,713,415
Allowance for loan losses	(69,366		)	(70,898		)
Net Loans	$	2,832,843		$	2,642,517

The Corporation maintains an allowance for loan losses to cover probable credit losses identified during its loan review process. The allowance is increased by the provision for loan losses and decreased by charge offs less recoveries. All charge offs are approved by the Bank’s senior loan officers or loan committees, depending on the amount of the charge off. The Bank charges off a loan when a determination is made that all or a portion of the loan is uncollectible. The allowance for loan losses is maintained through the provision for loan losses, which is a charge against earnings.

The amount provided for loan losses in a given period may be greater than or less than net loan losses experienced during the period, and is based on management’s judgment as to the appropriate level of the allowance for loan losses. The determination of the provision amount in a given period is based on management’s ongoing review and evaluation of the loan portfolio, including an internally administered loan "watch" list and independent loan reviews. The evaluation takes into consideration identified credit problems, the possibility of losses inherent in the loan portfolio that are not specifically identified and management’s judgment as to the impact of current economic conditions on the portfolio.

Management believes that the allowance for loan losses is adequate to cover probable losses inherent in the loan portfolio at December 31, 2012. The process for determining the adequacy of the allowance for loan losses is critical to the Corporation’s financial results. It requires management to make difficult, subjective and complex judgments, to estimate the effect of uncertain matters. The allowance for loan losses considers current factors, including economic conditions and ongoing internal and external examinations, and will increase or decrease as deemed necessary to ensure the allowance remains adequate. In addition, the allowance as a percentage of charge offs and nonperforming loans will change at different points in time based on credit performance, loan mix and collateral values.

The historical loss allocation for loans not deemed impaired according to ASC 310 is the product of the volume of loans within the non-impaired criticized and non-criticized risk grade classifications, each segmented by call code, and the historical loss factor for each respective classification and call code segment. The historical loss factors are based upon actual loss experience within each risk and call code classification. The historical look back period for non-criticized loans looks to the most recent rolling-four-quarter average and aligns with the look back period for non-impaired criticized loans. Each of the rolling four quarter periods used to obtain the average, include all charge offs for the previous twelve-month period, therefore the historical look back period includes seven quarters. The resulting allocation is reflective of current conditions. Criticized loans are grouped based on the risk grade assigned to the loan. Loans with a special mention grade are assigned a loss factor, and loans with a classified grade but not impaired are assigned a separate loss factor. The loss factor computation for this allocation includes a segmented historical loss migration analysis of criticized risk grades to charge off.

In addition to the specific reserves and historical loss components of the allowance, consideration is given to various environmental factors to help ensure that losses inherent in the portfolio are reflected in the allowance for loan losses. The environmental component adjusts the historical loss allocations for commercial and consumer loans to reflect relevant current conditions that, in management's opinion, have an impact on loss recognition. Environmental factors that management reviews in the analysis include: national and local economic trends and conditions; trends in growth in the loan portfolio and growth in higher risk areas; levels of, and trends in, delinquencies and non-accruals; experience and depth of lending management and staff; adequacy of, and adherence to, lending policies and procedures including those for underwriting; industry concentrations of credit; and adequacy of risk identification systems and controls through the internal loan review and internal audit processes.

The risk characteristics of the Corporation’s material portfolio segments are as follows:

Commercial

Commercial loans are primarily based on the identified cash flows of the borrower and secondarily on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not be as expected and the collateral securing these loans may fluctuate in value. Most commercial loans are secured by the assets being financed or other business assets such as accounts receivable or inventory and may incorporate a personal guarantee; however, some short-term loans may be made on an unsecured basis. In the case of loans secured by accounts receivable, the availability of funds for the repayment of these loans may be substantially dependent on the ability of the borrower to collect amounts due from its customers.

Commercial real estate

These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts and the repayment of these loans is generally dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. Management monitors and evaluates commercial real estate loans based on collateral and risk grade criteria. In addition, management tracks the level of owner-occupied commercial real estate loans versus non-owner occupied loans.

Residential and Consumer

With respect to residential loans that are secured by 1-4 family residences and are generally owner occupied, the Corporation generally establishes a maximum loan-to-value ratio and requires private mortgage insurance if that ratio is exceeded. Home equity loans are typically secured by a subordinate interest in 1-4 family residences, and consumer loans are secured by consumer assets such as automobiles or recreational vehicles. Some consumer loans are unsecured such as small installment loans and certain lines of credit. Repayment of these loans is primarily dependent on the personal income and credit rating of the borrowers, which can be impacted by economic conditions in their market areas such as unemployment levels. Repayment can also be impacted by changes in property values on residential properties. Risk is mitigated by the fact that the loans are of smaller individual amounts and spread over a large number of borrowers.

The following table summarizes changes in the allowance for loan losses by loan segment for the twelve months ended December 31, 2012, December 31, 2011 and December 31, 2010:



	Twelve Months Ended December 31, 2012
	Commercial			Real Estate Commercial			Consumer			Residential			Finance Leases			Total
Allowance for loan losses:
Balances, January 1	$	17,731		$	37,919		$	2,902		$	12,343		$	3		$	70,898
Provision for losses	14,749			(2,546		)	126			6,176			29			18,534
Recoveries on loans	1,744			3,652			695			1,113			2			7,206
Loans charged off	(8,311		)	(12,322		)	(1,130		)	(5,475		)	(34		)	(27,272		)
Balances, December 31, 2012	$	25,913		$	26,703		$	2,593		$	14,157					$	69,366



	Twelve Months Ended December 31, 2011
	Commercial			Real Estate Commercial			Consumer			Residential			Finance Leases			Total
Allowance for loan losses:
Balances, January 1	$	32,508		$	36,341		$	3,622		$	10,408		$	98		$	82,977
Provision for losses	(13,787		)	28,574			(221		)	8,166			(102		)	22,630
Recoveries on loans	8,828			2,811			942			1,176			7			13,764
Loans charged off	(9,818		)	(29,807		)	(1,441		)	(7,407		)				(48,473		)
Balances, December 31, 2011	$	17,731		$	37,919		$	2,902		$	12,343		$	3		$	70,898



	Twelve Months Ended December 31, 2010
	Commercial			Real Estate Commercial			Consumer			Residential			Finance Leases			Total
Allowance for loan losses:
Balances, January 1	$	48,770		$	30,189		$	2,242		$	10,751		$	179		$	92,131
Provision for losses	(180		)	37,555			2,868			6,267			(27		)	46,483
Recoveries on loans	6,750			1,420			938			2,827						11,935
Loans charged off	(22,832		)	(32,823		)	(2,426		)	(9,437		)	(54		)	(67,572		)
Balances, December 31, 2010	$	32,508		$	36,341		$	3,622		$	10,408		$	98		$	82,977

The following tables show the Corporation’s allowance for credit losses and loan portfolio by loan segment for the years indicated:



	December 31, 2012
	Commercial		Commercial Real Estate		Consumer		Residential		Finance Leases		Total
Allowance Balances:
Individually evaluated for impairment	$	1,628	$	2,565			$	50			$	4,243
Collectively evaluated for impairment	24,285		24,138		$	2,593	14,107				65,123
Loans Acquired with Deteriorated Credit Quality
Total Allowance for Loan Losses	$	25,913	$	26,703	$	2,593	$	14,157			$	69,366
Loan Balances:
Individually evaluated for impairment	$	14,190	$	45,394			$	8,515			$	68,099
Collectively evaluated for impairment	765,707		1,309,912		$	75,748	667,401		$	2,590	2,821,358
Loans Acquired with Deteriorated Credit Quality	1,710		10,015				1,027				12,752
Loans	$	781,607	$	1,365,321	$	75,748	$	676,943	$	2,590	$	2,902,209



	December 31, 2011
	Commercial		Commercial Real Estate		Consumer		Residential		Finance Leases		Total
Allowance Balances:
Individually evaluated for impairment	$	4,701	$	2,504			$	733			$	7,938
Collectively evaluated for impairment	13,030		35,415		$	2,902	11,610		$	3	62,960
Total Allowance for Loan Losses	$	17,731	$	37,919	$	2,902	$	12,343	$	3	$	70,898
Loan Balances:
Individually evaluated for impairment	$	18,793	$	51,980			$	12,546			$	83,319
Collectively evaluated for impairment	657,761		1,224,030		$	84,172	660,578		$	3,555	2,630,096
Loans	$	676,554	$	1,276,010	$	84,172	$	673,124	$	3,555	$	2,713,415

Loans are reclassified to a non-accruing status when, in management’s judgment, the collateral value and financial condition of the borrower do not justify accruing interest. Interest previously recorded, but not deemed collectible, is reversed and charged against current income. Payments subsequently received on non-accrual loans are applied to principal. A loan is returned to accrual status when principal and interest are no longer past due and collectability is probable, typically after a minimum of six consecutive months of performance. Payments received on impaired accruing or delinquent loans are applied to interest income as accrued.

The following table summarizes the Corporation’s non-accrual loans by loan class for the years indicated:



	December 31, 2012		December 31, 2011
Commercial and Industrial	$	12,195	$	12,246
Real Estate Loans:
Construction	4,814		8,990
Commercial and farmland	22,612		31,093
Residential	11,476		14,805
Home Equity	1,997		1,896
Individuals loans for household and other personal expenditures			1
Lease financing receivables, net of unearned income	301
Other Loans	4		561
Total	$	53,399	$	69,592

Commercial impaired loans include all non-accrual loans, loans accounted for under SOP-03-3 and renegotiated loans, as well as substandard, doubtful and loss grade loans that were still accruing but deemed impaired according to guidance set forth in ASC 310. Also included in impaired loans are accruing loans that are contractually past due 90 days or more. A loan is deemed impaired when, based on current information or events, it is probable that all amounts due of principal and interest according to the contractual terms of the loan agreement will not be collected.

Allowable methods for determining the amount of impairment include estimating fair value using the fair value of the collateral for collateral dependent loans. If the impaired loan is identified as collateral dependent, then the fair value method of measuring the amount of impairment is utilized. This method requires obtaining a current independent appraisal of the collateral and applying a discount factor to the value. The fair value of real estate is generally based on appraisals by qualified licensed appraisers. The appraisers typically determine the value of the real estate by utilizing an income or market valuation approach. If an appraisal is not available, the fair value may be determined by using a cash flow analysis. Fair value on other collateral such as business assets is typically ascertained by assessing, either singularly or some combination of, asset appraisals, accounts receivable aging reports, inventory listings and or customer financial statements. Both appraised values and values based on borrower’s financial information are discounted as considered appropriate based on age and quality of the information and current market conditions.

The following tables show the composition of only the Corporation’s commercial impaired loans by loan class for the years indicated:



	December 31, 2012
	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance:
Commercial and industrial	$	28,532	$	11,730			$	15,089	$	124
Real Estate Loans:
Construction	9,787		5,164				6,471		66
Commercial and farmland	58,173		43,204				46,788		1,211
Residential	8,820		6,215				7,129		83
Home equity	4,199		1,006				1,022		13
Other loans	83		14				18		1
Total	$	109,594	$	67,333			$	76,517	$	1,498
Impaired loans with related allowance:
Commercial and industrial	$	4,415	$	4,155	$	1,628	$	4,225	$	33
Real Estate Loans:
Construction	1,202		1,058		105		1,175
Commercial and farmland	5,579		5,182		2,460		5,239		95
Residential	1,722		1,451		50		1,458		75
Total	$	12,918	$	11,846	$	4,243	$	12,097	$	203
Total Impaired Loans	$	122,512	$	79,179	$	4,243	$	88,614	$	1,701



	December 31, 2011
	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance:
Commercial and industrial	$	23,364	$	10,116			$	13,399	$	615
Real Estate Loans:
Construction	14,301		7,701				8,836
Commercial and farmland	49,242		34,571				39,032		591
Residential	7,491		6,185				6,539		20
Home equity	4,425		1,241				1,500		15
Other loans	99		21				24
Total	$	98,922	$	59,835			$	69,330	$	1,241
Impaired loans with related allowance:
Commercial and industrial	$	8,691	$	8,104	$	4,142	$	8,196	$	174
Real Estate Loans:
Construction	961		961		321		961
Commercial and farmland	12,115		8,748		2,183		10,028		140
Residential	1,888		1,575		391		1,687		7
Other loans	579		552		559		590
Total	$	24,234	$	19,940	$	7,596	$	21,462	$	321
Total Impaired Loans	$	123,156	$	79,775	$	7,596	$	90,792	$	1,562



	December 31, 2010
	Unpaid Principal Balance		Recorded Investment		Related Allowance
Impaired loans with no related allowance:
Commercial and industrial	$	30,006	$	16,572
other loans to farmers	966		530
Real Estate Loans:
Construction	12,598		9,150
Commercial and farm land	64,064		43,653
Residential	7,909		5,153
Home equity	4,460		1,245
Other loans	101		14
Total	$	120,104	$	76,317

Impaired loans with related allowance:
Commercial and industrial	$	11,477	$	11,374	$	5,250
Real Estate Loans:
Construction	9,353		7,824		2,049
Commercial and farm land	17,984		17,076		5,496
Residential	2,740		2,691		465
Home equity	458		446		178
Other loans	476		476		476
Total	$	42,488	$	39,887	$	13,914
Total Impaired Loans	$	162,592	$	116,204	$	13,914

As part of the ongoing monitoring of the credit quality of the Corporation's loan portfolio, management tracks certain credit quality indicators including trends related to: (i) the level of criticized commercial loans, (ii) net charge offs, (iii) non-performing loans and (iv) the general national and local economic conditions.

The Corporation utilizes a risk grading of pass, special mention, substandard, doubtful and loss to assess the overall credit quality of large commercial loans. All large commercial credit grades are reviewed at a minimum of once a year for pass grade loans. Loans with grades below pass are reviewed more frequently depending on the grade. A description of the general characteristics of these grades is as follows:


•	Pass - Loans that are considered to be of acceptable credit quality.

•

Special Mention - Loans which possess some credit deficiency or potential weakness, which deserves close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the Corporation's credit position at some future date. Special mention assets are not adversely classified and do not expose the Corporation to sufficient risk to warrant adverse classification. The key distinctions of this category's classification are that it is indicative of an unwarranted level of risk; and weaknesses are considered “potential”, not “defined”, impairments to the primary source of repayment. Examples include businesses that may be suffering from inadequate management, loss of key personnel or significant customer or litigation.

•

Substandard - A substandard loan is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified have a well-defined weakness that jeopardizes the liquidation of the debt. They are characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. Other characteristics may include:



	o	the likelihood that a loan will be paid from the primary source of repayment is uncertain or financial deterioration is underway and very close attention is warranted to ensure that the loan is collected without loss,



	o	the primary source of repayment is gone, and the Corporation is forced to rely on a secondary source of repayment, such as collateral liquidation or guarantees,



	o	loans have a distinct possibility that the Corporation will sustain some loss if deficiencies are not corrected,



	o	unusual courses of action are needed to maintain a high probability of repayment,



	o	the borrower is not generating enough cash flow to repay loan principal; however, it continues to make interest payments,



	o	the Corporation is forced into a subordinated or unsecured position due to flaws in documentation,



	o	loans have been restructured so that payment schedules, terms and collateral represent concessions to the borrower when compared to the normal loan terms,



	o	the Corporation is seriously contemplating foreclosure or legal action due to the apparent deterioration of the loan, and



	o	there is significant deterioration in market conditions to which the borrower is highly vulnerable.

•

Doubtful - Loans that have all of the weaknesses of those classified as Substandard. However, based on currently existing facts, conditions and values, these weaknesses make full collection of principal highly questionable and improbable. Other credit characteristics may include the primary source of repayment is gone or there is considerable doubt as to the quality of the secondary sources of repayment. The possibility of loss is high, but because of certain important pending factors that may strengthen the loan, loss classification is deferred until the exact status of repayment is known.


•	Loss – Loans that are considered uncollectible and of such little value that continuing to carry them as an asset is not warranted. Loans will be classified as Loss when it is neither practical not desirable to defer writing off or reserving all or a portion of a basically worthless asset, even though partial recovery may be possible at some time in the future.

The following tables summarize the credit quality of the Corporation’s loan portfolio, by loan class for the years indicated. Consumer non-performing loans include accruing consumer loans 90 plus days delinquent and consumer non-accrual loans. The entire balance of a loan is considered delinquent if the minimum payment contractually required to be made is not received by the specified date.



	December 31, 2012
	Commercial Pass		Commercial Special Mention		Commercial Substandard		Commercial Doubtful		Commercial Loss	Consumer Performing		Consumer Non Performing		Total
Commercial and Industrial	$	559,852	$	23,678	$	34,460	$	4,589						$	622,579
Agriculture production financing and other farm loans	112,209		224		94									112,527
Real Estate Loans:
Construction	85,728		1,384		11,356							171		98,639
Commercial and farmland	1,148,561		38,199		79,078		553					291		1,266,682
Residential	145,402		5,437		13,880		922			301,614		6,282		473,537
Home Equity	9,092		893		1,657					189,721		2,043		203,406
Individuals loans for household and other personal expenditures										75,748				75,748
Lease financing receivables, net of unearned income										2,289		301		2,590
Other Loans	46,473				28									46,501
Loans	$	2,107,317	$	69,815	$	140,553	$	6,064		$	569,372	$	9,088	$	2,902,209



	December 31, 2011
	Commercial Pass		Commercial Special Mention		Commercial Substandard		Commercial Doubtful		Commercial Loss	Consumer Performing		Consumer Non Performing		Total
Commercial and Industrial	$	478,885	$	22,405	$	28,025	$	3,208						$	532,523
Agriculture production financing and other farm loans	101,289		1,582		1,655									104,526
Real Estate Loans:
Construction	47,611		3,672		22,376					$	7,762	$	359	81,780
Commercial and farmland	1,033,397		54,697		103,330		1,724			1,035		47		1,194,230
Residential	139,237		9,175		16,699		500			308,306		7,576		481,493
Home Equity	15,912		499		3,317					170,776		1,127		191,631
Individuals loans for household and other personal expenditures										84,121		51		84,172
Lease financing receivables, net of unearned income										3,555				3,555
Other Loans	38,917		15		21		552							39,505
Loans	$	1,855,248	$	92,045	$	175,423	$	5,984		$	575,555	$	9,160	$	2,713,415

The following tables show a past due aging of the Corporation’s loan portfolio, by loan class, for the years indicated:



	December 31, 2012
	Current		30-59 Days Past Due		60-89 Days Past Due		Loans > 90 Days And Accruing		Non-Accrual		Total Past Due & Non-Accrual		Total
Commercial and industrial	$	607,442	$	2,628	$	144	$	170	$	12,195	$	15,137	$	622,579
Agriculture production financing and other farm loans	112,527												112,527
Real Estate Loans:
Construction	93,426		399						4,814		5,213		98,639
Commercial and farmland	1,238,907		3,276		1,822		65		22,612		27,775		1,266,682
Residential	453,743		5,734		1,338		1,246		11,476		19,794		473,537
Home equity	199,063		1,467		323		556		1,997		4,343		203,406
Individuals loans for household and other personal expenditures	74,919		799		30						829		75,748
Lease financing receivables, net of unearned income	2,289								301		301		2,590
Other loans	46,497								4		4		46,501
Loans	$	2,828,813	$	14,303	$	3,657	$	2,037	$	53,399	$	73,396	$	2,902,209



	December 31, 2011
	Current		30-59 Days Past Due		60-89 Days Past Due		Loans > 90 Days And Accruing		Non-Accrual		Total Past Due & Non-Accrual		Total
Commercial and industrial	$	518,764	$	1,332	$	135	$	46	$	12,246	$	13,759	$	532,523
Agriculture production financing and other farm loans	104,464		62								62		104,526
Real Estate Loans:
Construction	69,305		328		3,126		31		8,990		12,475		81,780
Commercial and farmland	1,140,897		16,457		5,783				31,093		53,333		1,194,230
Residential	458,925		5,485		2,087		191		14,805		22,568		481,493
Home equity	187,788		1,096		590		261		1,896		3,843		191,631
Individuals loans for household and other personal expenditures	82,837		1,075		208		51		1		1,335		84,172
Lease financing receivables, net of unearned income	3,555												3,555
Other loans	38,944								561		561		39,505
Loans	$	2,605,479	$	25,835	$	11,929	$	580	$	69,592	$	107,936	$	2,713,415

See the information regarding the analysis of loan loss experience in the “LOAN QUALITY" section of Management’s Discussion and Analysis of Financial Condition and Results of Operations included as Item 7 of this Annual Report on Form 10-K.

Due to challenging economic conditions, borrowers of all types have experienced declines in income and cash flow. As a result, borrowers are occasionally seeking to reduce contractual cash outlays including debt payments. Concurrently, in an effort to preserve and protect its earning assets, specifically troubled loans, the Corporation is working to maintain its relationship with certain customers who are experiencing financial difficulty by contractually modifying the borrower's debt agreement with the Corporation. In certain loan restructuring situations, the Corporation may grant a concession to a debtor experiencing financial difficulty, resulting in a trouble debt restructuring. A concession is deemed to be granted when, as a result of the restructuring, the Corporation does not expect to collect all amounts due, including interest accrued at the original contract rate. If the payment of principal at original maturity is primarily dependent on the value of collateral, the current value of the collateral is considered in determining whether the principal will be paid.

The following tables summarize troubled debt restructurings that occurred during the periods ended December 31, 2012 and December 31, 2011:



	December 31, 2012
	Pre-Modification Recorded Balance		Post-Modification Recorded Balance		Number of Loans
Commercial and Industrial	$	1,562	$	1,547	9
Real Estate Loans:
Construction	794		653		2
Commercial and farmland	10,366		10,154		14
Residential	2,302		2,172		20
Individuals loans for household and other personal expenditures	170		197		5
Total	$	15,194	$	14,723	50



	December 31, 2011
	Pre-Modification Recorded Balance		Post-Modification Recorded Balance		Number of Loans
Commercial and Industrial	$	4,023	$	4,033	17
Real Estate Loans:
Construction	791		726		5
Commercial and farmland	17,297		15,260		19
Residential	6,892		7,076		52
Individuals loans for household and other personal expenditures	90		94		9
Other Loans	12		12		1
Total	$	29,105	$	27,201	103

The following tables show the recorded investment of troubled debt restructurings, by modification type, that occurred during the years indicated:



	December 31, 2012
	Term Modification		Rate Modification		Combination		Total Modification
Commercial and Industrial	$	259			$	1,029	$	1,288
Real Estate Loans:
Construction					625		625
Commercial and farmland	6,668		$	903	381		7,952
Residential	525		380		995		1,900
Individuals loans for household and other personal expenditures			7		183		190
Total	$	7,452	$	1,290	$	3,213	$	11,955



	December 31, 2011
	Term Modification		Rate Modification		Combination		Total Modification
Commercial and Industrial	$	3,816			$	118	$	3,934
Real Estate Loans:
Construction	581		$	125	17		723
Commercial and farmland	10,338		954		2,810		14,102
Residential	5,610		99		1,022		6,731
Home Equity	55				34		89
Other Loans	12						12
Total	$	20,412	$	1,178	$	4,001	$	25,591

Loans secured by commercial and farm real estate made up 69 percent of the post-modification balances of the troubled debt restructured loans during the twelve months ending December 31, 2012. The second largest class of troubled debt restructurings during 2012 was residential real estate loans, accounting for 15 percent of the total post modification balances.

The following tables summarize troubled debt restructures that occurred during the twelve months ended December 31, 2012 and December 31, 2011, that subsequently defaulted during those periods:



	Twelve Months Ended December 31, 2012
	Number of Loans	Recorded Balance
Commercial and Industrial	1	$	23
Real Estate Loans:
Commercial and farmland	2	212
Residential	4	385
Total	7	$	620



	Twelve Months Ended December 31, 2011
	Number of Loans	Recorded Balance
Commercial and Industrial	3	$	471
Real Estate Loans:
Commercial and farmland	3	1,951
Residential	7	557
Individuals loans for household and other personal expenditures	1	5
Total	14	$	2,984

For potential consumer loan restructures, impairment evaluation occurs prior to modification. Any subsequent impairment is typically addressed through the charge off process, or may be addressed through a specific reserve. Consumer troubled debt restructurings are generally included in the general historical allowance for loan loss at the post modification balance. Consumer non-accrual and delinquent troubled debt restructurings are also considered in the calculation of the non-accrual and delinquency trend environmental allowance allocation. Commercial troubled debt restructured loans risk graded special mention, substandard, doubtful and loss are individually evaluated for impairment under ASC 310. Any resulting specific reserves are included in the allowance for loan losses. Commercial 30 - 89 day delinquent troubled debt restructurings are included in the calculation of the delinquency trend environmental allowance allocation. All commercial non-impaired loans, including non-accrual and 90+ day delinquents, are included in the ASC 450 loss migration analysis.

- Definition

The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5066-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5162-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(k))
-URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5074-111524

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 01-6
-Paragraph 13
-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.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 3, 4
-Article 5

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Article 9

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph k
-Article 4

+ Details

Premises and Equipment

12 Months Ended

Dec. 31, 2012

Property, Plant and Equipment [Abstract]

Premises and Equipment

PREMISES AND EQUIPMENT

The following table summarizes the Corporation's premises and equipment as of December 31, 2012 and 2011:



	2012			2011
Cost at December 31:
Land	$	14,692		$	14,296
Buildings and Leasehold Improvements	62,606			62,317
Equipment	42,564			39,789
Total Cost	119,862			116,402
Accumulated Depreciation and Amortization	(67,113		)	(65,389		)
Net	$	52,749		$	51,013

The Corporation is committed under various non-cancelable lease contracts for certain subsidiary office facilities and equipment. Total lease expense for 2012, 2011 and 2010 was $2,812,000, $2,636,000 and $2,801,000, respectively. The future minimum rental commitments required under the operating leases in effect at December 31, 2012, expiring at various dates through the year 2027 are as follows for the years ending December 31:



	Future Minimum Rental Commitments
2013	$	2,284
2014	2,025
2015	1,852
2016	1,441
2017	865
After 2017	1,428
Total Future Minimum Obligations	$	9,895

- Definition

The entire disclosure for long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other changes, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures.

+ References + Details

Goodwill	12 Months Ended
Goodwill	Dec. 31, 2012
Goodwill Disclosure [Abstract]
Goodwill	GOODWILL The carrying amount of goodwill at December 31, 2012 and 2011 was $141,375,000 and $141,357,000, respectively. No impairment loss was recorded in 2012 or 2011. The Corporation tested goodwill for impairment during 2011 and 2012. In both valuations, the fair value exceeded the Corporation’s carrying value; therefore, it was concluded goodwill is not impaired. For additional details related to impairment testing, see the “GOODWILL” section of Management’s Discussion and Analysis of Financial Condition and Results of Operations included as Item 7 of this Annual Report on Form 10-K. In July 2012, FMIG acquired a book of business that resulted in goodwill acquired of $18,000. This transaction was deemed to be an immaterial transaction.

Core Deposit and Other Intangibles

12 Months Ended

Dec. 31, 2012

Intangible Assets, Net (Excluding Goodwill) [Abstract]

Core Deposit and Other Intangibles

CORE DEPOSIT AND OTHER INTANGIBLES

Effective February 10, 2012, the Bank assumed substantially all of the deposits and certain other liabilities and acquired certain assets of SCB Bank, as discussed in NOTE 2 Purchase and Assumption, in the Notes to Consolidated Financial Statements included as Item 8 of this Annual Report on form 10-K This purchase resulted in a core deposit intangible of approximately $484,000. In July 2012, FMIG purchased a book of business which resulted in an other intangible of approximately $483,000.

The carrying basis and accumulated amortization of recognized core deposit and other intangibles are noted below.



	2012			2011
Gross carrying amount	$	45,422		$	45,422
Core deposit intangible and other intangibles acquired	967
Accumulated amortization	(38,235		)	(36,308		)
Core Deposit and Other Intangibles	$	8,154		$	9,114

Amortization expense for the years ended December 31, 2012, 2011 and 2010, was $1,927,000, $3,548,000 and $4,721,000, respectively. Estimated amortization expense for each of the following five years is:



	Amortization Expense
2013	$	1,536
2014	1,531
2015	1,530
2016	1,490
2017	1,429
After 2017	638
Total Future Minimum Obligations	$	8,154

Deposits

12 Months Ended

Dec. 31, 2012

Banking and Thrift [Abstract]

Deposits

DEPOSITS

The composition of the deposit portfolio is included in the table below for the years indicated:



	December 31, 2012		December 31, 2011
Demand Deposits	$	1,646,756	$	1,438,513
Savings Deposits	831,952		757,166
Certificates and Other Time Deposits of $100,000 or more	236,470		264,787
Other Certificates and Time Deposits	502,927		551,247
Brokered Deposits	128,278		122,942
Total Deposits	$	3,346,383	$	3,134,655

At December 31, 2012, the contractual maturities of time deposits are summarized as follows:



	Certificates and Other Time Deposits
2013	$	539,426
2014	163,982
2015	54,995
2016	61,048
2017	28,138
After 2017	20,086
	$	867,675

- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

+ References + Details

Borrowings

12 Months Ended

Dec. 31, 2012

Debt Disclosure [Abstract]

Borrowings

BORROWINGS

The following table summarizes the Corporation's borrowings as of December 31, 2012 and 2011:



	December 31, 2012		December 31, 2011
Federal Funds Purchased	$	18,862
Securities Sold Under Repurchase Agreements	141,828		$	156,305
Federal Home Loan Bank Advances	94,238		138,095
Subordinated Debentures and Term Loans	112,161		194,974
Total Borrowings	$	367,089	$	489,374

Securities sold under repurchase agreements consist of obligations of the Bank to other parties. The obligations are secured by U.S. Treasury and U.S. Government-Sponsored Enterprise obligations. The maximum amount of outstanding agreements at any month-end during 2012 and 2011 totaled $160,127,000 and $162,315,000, respectively, and the average of such agreements totaled $144,555,000 and $120,415,000 during 2012 and 2011, respectively.

Included in the outstanding balance of Federal Home Loan Bank Advances are $0 and $48,000,000 of putable advances as of December 31, 2012 and 2011 respectively. Maturities of securities sold under repurchase agreements; Federal Home Loan Bank Advances, subordinated debentures and term loans as of December 31, 2012, are as follows:



Maturities in Years Ending December 31:	Securities Sold Under Repurchase Agreements		Federal Home Loan Bank Advances		Subordinated Debentures and Term Loans
2013	$	131,828	$	1,619	$	459
2014	10,000		26,506
2015			30,986		55,000
2016			28,933
2017			2,731
After 2017			3,463		56,702
	$	141,828	$	94,238	$	112,161

The terms of a security agreement with the FHLB require the Corporation to pledge, as collateral for advances, qualifying first mortgage loans, investment securities and multifamily loans in an amount equal to at least 155 percent of these advances depending on the type of collateral pledged. Advances, with interest rates from 0.86 to 6.81 percent, are subject to restrictions or penalties in the event of prepayment. The total available remaining borrowing capacity from the FHLB at December 31, 2012, was $217,275,000.

Subordinated Debentures and Term Loans. As of December 31, 2012, subordinated debentures and term loans totaled $112,161,000.

•

First Merchants Capital Trust II. The subordinated debenture, entered into on July 2, 2007, for $56,702,000 will mature on September 15, 2037. The Corporation could not redeem the debenture prior to September 15, 2012, and redemption is subject to the prior approval of the Board of Governors of the Federal Reserve System, as required by law or regulation. Interest was fixed at 6.495 percent for the period from the date of issuance through September 15, 2012; interest is now an annual floating rate equal to the three-month LIBOR plus 1.56 percent, reset quarterly. Interest is payable in March, June, September and December of each year. The Corporation holds all of the outstanding common securities of First Merchants Capital Trust II.

•

Bank of America, N.A. The Corporation currently has a $55 million credit facility with Bank of America, N.A. comprised of (a) a term loan in the principal amount of $5 million (the “Term Loan”) and (b) a subordinated debenture in the principal amount of $50 million (the “Subordinated Debt”). Pursuant to the terms of the underlying Loan Agreement (the “Loan Agreement”), the Term Loan and the Subordinated Debt each mature on February 15, 2015. The Term Loan is secured by a pledge of all of the issued and outstanding shares of the Bank.

The Loan Agreement contains certain customary representations and warranties and financial and negative covenants. A breach of any of these covenants could result in a default under the Loan Agreement. As of December 31, 2012, the Corporation was in compliance with these financial covenants.

The Loan Agreement provides that upon an event of default as the result of the Corporation’s failure to comply with a financial covenant, Bank of America may (a) declare the $5 million outstanding principal amount of the Term Loan immediately due and payable, (b) exercise all of its rights and remedies at law, in equity and/or pursuant to any or all collateral documents, including foreclosing on the collateral if payment of the Term Loan is not made in full, and (c) add a default rate of 3 percent per annum to the Term Loan. Because the Subordinated Debt is treated as Tier 2 capital for regulatory capital purposes, the Loan Agreement does not provide Bank of America with any right of acceleration or other remedies with regard to the Subordinated Debt upon an event of default caused by the Corporation’s breach of a financial covenant. Bank of America chose to apply the default rate through March 31, 2012 but not to accelerate the Term Loan based on the Corporation’s failure to meet these financial covenants. As of March 31, 2012, the Corporation was no longer in default due to breach of a financial covenant; therefore, the default rate of 3 percent per annum was no longer applied to the Term Loan.


•	CNBC Statutory Trust I. As part of the March 1, 2003, acquisition of CNBC Bancorp, the Corporation assumed $4,124,000 of a junior subordinated debenture entered into on February 22, 2001. On August 22, 2012, the Corporation exercised its option to redeem the $4,124,000 subordinated debt. The redemption price premium was 104.59. The debenture carried a fixed interest rate of 10.2.


•	Temporary Liquidity Guarantee Program. On March 31, 2009, the Bank, entered into $79,000,000 of 2.625 percent Senior Notes (the “Notes”) due on March 30, 2012 through a pooled offering. On March 30, 2012, the Bank completed repayment of these Notes, which were guaranteed by the FDIC under its Temporary Liquidity Guarantee Program ("TLGP").

Subordinated Debentures and Term Loans. As of December 31, 2011, subordinated debentures and term loans totaled $194,974,000.

•

First Merchants Capital Trust III. The Corporation entered into a junior subordinated debenture on June 30, 2010 for $47,835,000, subsequent to an Exchange Agreement with the United States Department of the Treasury (the "Treasury") whereby the Treasury exchanged 46,400 shares of the Corporation's Preferred Stock for 46,400 shares of trust preferred securities, issued by First Merchants Capital Trust III. The Trust used 46,400 shares of tendered preferred stock and $1.4 million in proceeds from the sale of Common Securities to the Corporation to purchase the debentures. On September 22, 2011, the Corporation redeemed the Capital Securities and Debentures pursuant to a Repurchase Letter agreement with the Treasury. For more information related to this debt repayment, see Note 14. Stockholders' Equity in the Notes to Consolidated Condensed Financial Statements of the 2011 Annual Report on Form 10-K.

•

First Merchants Capital Trust II. The subordinated debenture, entered into on July 2, 2007, for $56,702,000 will mature on September 15, 2037. The Corporation may redeem the debenture no earlier than September 15, 2012, subject to the prior approval of the Board of Governors of the Federal Reserve System, as required by law or regulation. Interest is fixed at 6.495 percent for the period from the date of issuance through September 15, 2012, and thereafter, at an annual floating rate equal to the three-month LIBOR plus 1.56 percent, reset quarterly. Interest is payable in March, June, September and December of each year. The Corporation holds all of the outstanding common securities of First Merchants Capital Trust II

•

CNBC Statutory Trust I. As part of the March 1, 2003 acquisition of CNBC Bancorp, the Corporation assumed $4,124,000 of a junior subordinated debenture entered into on February 22, 2001. The subordinated debenture of $4,124,000 will mature on February 22, 2031. Interest is fixed at 10.2 percent and payable on February 22 and August 22 of each year. The Corporation may redeem the debenture, in whole or in part, at its option commencing February 22, 2011, at a redemption price of 105.1 percent of the outstanding principal amount and, thereafter, at a premium which declines annually. On or after February 22, 2021, the securities may be redeemed at face value with prior approval of the Board of Governors of the Federal Reserve System. The Corporation holds all of the outstanding common securities of CNBC Statutory Trust I.

•

The Loan Agreement contains certain customary representations and warranties and financial and negative covenants. A breach of any of these covenants could result in a default under the Loan Agreement. At December 31, 2011, the Corporation failed to meet the minimum return on average total assets covenant of 0.75 percent.

The Loan Agreement provides that upon an event of default as the result of the Corporation’s failure to comply with a financial covenant, Bank of America may (a) declare the $5 million outstanding principal amount of the Term Loan immediately due and payable, (b) exercise all of its rights and remedies at law, in equity and/or pursuant to any or all collateral documents, including foreclosing on the collateral if payment of the Term Loan is not made in full, and (c) add a default rate of 3 percent per annum to the Term Loan. Because the Subordinated Debt is treated as Tier 2 capital for regulatory capital purposes, the Loan Agreement does not provide Bank of America with any right of acceleration or other remedies with regard to the Subordinated Debt upon an event of default caused by the Corporation’s breach of a financial covenant. To date, Bank of America has chosen to apply the default rate, but not to accelerate the Term Loan based on the Corporation’s failure to meet these financial covenants.

•

Temporary Liquidity Guarantee Program. On March 31, 2009, the Bank, entered into $79,000,000 of 2.625 percent Senior Notes (the “Notes”) due on March 30, 2012 through a pooled offering. Including the FDIC fee, underwriting, legal and accounting expenses, the effective rate is 3.812 percent. The Notes are guaranteed by the Federal Deposit Insurance Corporation under its Temporary Liquidity Guarantee Program and are backed by the full faith and credit of the United States. The Notes are issued by the Bank and are not an obligation of, or guaranteed by, the Corporation. In connection with the FDIC's Temporary Liquidity Guarantee Program, the Bank entered into a Master Agreement with the FDIC on January 16, 2009. The Master Agreement contains, among other things, certain terms and conditions that must be included in the governing documents for any senior debt securities issued by the Bank that is guaranteed pursuant to the FDIC's Temporary Liquidity Guarantee Program.

- Definition

The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

+ References + Details

Derivative Financial Instruments

12 Months Ended

Dec. 31, 2012

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Financial Instruments

DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES

Risk Management Objective of Using Derivatives

The Corporation is exposed to certain risks arising from both its business operations and economic conditions. The Corporation principally manages its exposures to a wide variety of business and operational risks through management of its core business activities. The Corporation manages economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of its assets and liabilities and through the use of derivative financial instruments. Specifically, the Corporation enters into derivative financial instruments to manage exposures that arise from business activities that result in the receipt or payment of future known and uncertain cash amounts, the value of which are determined by interest rates. The Corporation’s derivative financial instruments are used to manage differences in the amount, timing, and duration of the Corporation’s known or expected cash payments principally related to certain variable-rate liabilities. The Corporation also has derivatives that are a result of a service the Corporation provides to certain qualifying customers, and, therefore, are not used to manage interest rate risk in the Corporation’s assets or liabilities. The Corporation manages a matched book with respect to its derivative instruments offered as a part of this service to its customers in order to minimize its net risk exposure resulting from such transactions.

Fair Values of Derivative Instruments on the Balance Sheet

The table below presents the fair value of the Corporation’s derivative financial instruments as well as their classification on the Balance Sheet as of December 31, 2012 and December 31, 2011.

Asset Derivatives

Liability Derivatives

December 31, 2012

December 31, 2011

December 31, 2012

December 31, 2011

Balance Sheet Location

Fair
Value

Balance Sheet Location

Fair
Value

Balance Sheet Location

Fair
Value

Balance Sheet Location

Fair
Value

Derivatives designated as hedging instruments:

Interest rate contracts

Other Assets

197

Other Assets

424

Other Liabilities

3,332

Other Liabilities

2,305

Derivatives not designated as hedging instruments:

Interest rate contracts

Other Assets

6,103

Other Assets

5,241

Other Liabilities

6,434

Other Liabilities

5,492

Cash Flow Hedges of Interest Rate Risk

The Corporation’s objectives in using interest rate derivatives are to add stability to interest expense and to manage its exposure to interest rate movements. To accomplish this objective, the Corporation primarily uses interest rate swaps and interest rate caps as part of its interest rate risk management strategy. Interest rate swaps designated as cash flow hedges involve the payment of fixed amounts to a counterparty in exchange for the Corporation receiving variable payments over the life of the agreements without exchange of the underlying notional amount. Interest rate caps designated as cash flow hedges involve the receipt of variable amounts from a counterparty if interest rates rise above the strike rate on the contract in exchange for an up front premium. As of December 31, 2012 and 2011, the Corporation had two interest rate swaps with a notional amount of $26 million and one interest rate cap with a notional amount of $13 million that were designated as cash flow hedges.

The effective portion of changes in the fair value of derivatives designated and that qualify as cash flow hedges is recorded in accumulated other comprehensive income and is subsequently reclassified into earnings in the period that the hedged forecasted transaction affects earnings. During 2012, such derivatives were used to hedge the forecasted variable cash outflows (LIBOR-based) associated with existing trust preferred securities when the outflows converted from a fixed rate to variable rate in September 2012. The ineffective portion of the change in fair value of the derivatives is recognized directly in earnings. During the years ended December 31, 2012 and 2011, the Corporation did not recognize any ineffectiveness.

Amounts reported in accumulated other comprehensive income related to derivatives will be reclassified to interest expense as interest payments are made on the Corporation’s variable-rate liabilities. During the next twelve months, the Corporation expects to reclassify $765,000 from accumulated other comprehensive income to interest expense.

Non-designated Hedges

The Corporation does not use derivatives for trading or speculative purposes. Derivatives not designated as hedges are not speculative and result from a service the Corporation provides to certain customers. The Corporation executes interest rate swaps with commercial banking customers to facilitate their respective risk management strategies. Those interest rate swaps are simultaneously hedged by offsetting interest rate swaps that the Corporation executes with a third party, such that the Corporation minimizes its net risk exposure resulting from such transactions. As the interest rate swaps associated with this program do not meet the strict hedge accounting requirements, changes in the fair value of both the customer swaps and the offsetting swaps are recognized directly in earnings. As of December 31, 2012, the notional amount of customer-facing swaps was approximately $160,776,000. This amount is offset with third party counterparties, as described above.

Effect of Derivative Instruments on the Income Statement

The tables below present the effect of the Corporation’s derivative financial instruments on the Income Statement for the years ended December 31, 2012 and 2011.



Derivatives Not Designated as Hedging Instruments under FASB ASC 815-10	Location of Gain (Loss) Recognized in Income on Derivative	Amount of Gain (Loss) Recognized in Income on Derivative for the Year Ended December 31, 2012	Amount of Gain (Loss) Recognized in Income on Derivative for the Year Ended December 31, 2011
Interest Rate Contracts	Other income	$(79)	$(94)



Derivatives in Cash Flow Hedging Relationships	Amount of Loss Recognized in Other Comprehensive Income on Derivative (Effective Portion) For the Year Ended		Location of Loss Reclassified from Accumulated Other Comprehensive Income (Effective Portion)	Amount of Loss Reclassified from Other Comprehensive Income into Income (Effective Portion) For the Year Ended
Derivatives in Cash Flow Hedging Relationships	2012	2011		2012	2011
Interest Rate Products	$(1,466)	$(3,274)	Interest Expense	$(217)

The Corporation’s exposure to credit risk occurs because of nonperformance by its counterparties. The counterparties approved by the Corporation are usually financial institutions, which are well capitalized and have credit ratings through Moody’s and/or Standard & Poor’s, at or above investment grade. The Corporation’s control of such risk is through quarterly financial reviews, comparing mark-to-market values with policy limitations, credit ratings and collateral pledging.

Credit-Risk-Related Contingent Features

The Corporation has agreements with certain of its derivative counterparties that contain a provision where if the Corporation fails to maintain its status as a well/adequate capitalized institution, then the Corporation could be required to terminate or fully collateralize all outstanding derivative contracts.

The Corporation has agreements with certain of its derivative counterparties that contain a provision where if the Corporation defaults on any of its indebtedness, including default where repayment of the indebtedness has not been accelerated by the lender, then the Corporation could also be declared in default on its derivative obligations.

As of December 31, 2012, the termination value of derivatives in a net liability position related to these agreements was $9,970,000. As of December 31, 2012, the Corporation has minimum collateral posting thresholds with certain of its derivative counterparties and has posted collateral of $9,477,000. If the Corporation had breached any of these provisions at December 31, 2012, it could have been required to settle its obligations under the agreements at their termination value.

- Definition

The entire disclosure for the entity's entire derivative instruments and hedging activities. Describes an entity's risk management strategies, derivatives in hedging activities and non-hedging derivative instruments, the assets, obligations, liabilities, revenues and expenses arising therefrom, and the amounts of and methodologies and assumptions used in determining the amounts of such items.

+ References

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+ Details

Fair Value of Financial Instruments

12 Months Ended

Dec. 31, 2012

Fair Value Disclosures [Abstract]

Fair Values of Financial Instruments

FAIR VALUES OF FINANCIAL INSTRUMENTS

The Corporation used fair value measurements to record fair value adjustments, to certain assets, and liabilities and to determine fair value disclosures. The accounting guidance defines fair value, establishes a framework for measuring fair value and expands disclosures about fair value measurements. ASC 820 applies only when other guidance requires or permits assets or liabilities to be measured at fair value; it does not expand the use of fair value in any new circumstances.

As defined in ASC 820, fair value is the price to sell an asset or transfer a liability in an orderly transaction between market participants. It represents an exit price at the measurement date. Market participants are buyers and sellers, who are independent, knowledgeable, and willing and able to transact in the principal (or most advantageous) market for the asset or liability being measured. Current market conditions, including imbalances between supply and demand, are considered in determining fair value. The Corporation values its assets and liabilities in the principal market where it sells the particular asset or transfers the liability with the greatest volume and level of activity. In the absence of a principal market, the valuation is based on the most advantageous market for the asset or liability (i.e., the market where the asset could be sold or the liability transferred at a price that maximizes the amount to be received for the asset or minimizes the amount to be paid to transfer the liability).

Valuation inputs refer to the assumptions market participants would use in pricing a given asset or liability. Inputs can be observable or unobservable. Observable inputs are those assumptions which market participants would use in pricing the particular asset or liability. These inputs are based on market data and are obtained from a source independent of the Corporation. Unobservable inputs are assumptions based on the Corporation’s own information or estimate of assumptions used by market participants in pricing the asset or liability. Unobservable inputs are based on the best and most current information available on the measurement date. All inputs, whether observable or unobservable, are ranked in accordance with a prescribed fair value hierarchy which gives the highest ranking to quoted prices (unadjusted) in active markets for identical assets or liabilities (Level 1) and the lowest ranking to unobservable inputs for which there is little or no market activity (Level 3). Fair values for assets or liabilities classified as Level 2 are based on one or a combination of the following factors: (i) quoted prices for similar assets; (ii) observable inputs for the asset or liability, such as interest rates or yield curves; or (iii) inputs derived principally from or corroborated by observable market data. The level in the fair value hierarchy within which the fair value measurement in its entirety falls is determined based on the lowest level input that is significant to the fair value measurement in its entirety. The Corporation considers an input to be significant if it drives 10 percent or more of the total fair value of a particular asset or liability.

RECURRING MEASUREMENTS

Assets and liabilities are considered to be fair valued on a recurring basis if fair value is measured regularly (i.e., daily, weekly, monthly or quarterly). Recurring valuation occurs at a minimum on the measurement date. Assets and liabilities are considered to be fair valued on a nonrecurring basis if the fair value measurement of the instrument does not necessarily result in a change in the amount recorded on the balance sheet. Generally, nonrecurring valuation is the result of the application of other accounting pronouncements which require assets or liabilities to be assessed for impairment or recorded at the lower of cost or fair value. The fair value of assets or liabilities transferred in or out of Level 3 is measured on the transfer date, with any additional changes in fair value subsequent to the transfer considered to be realized or unrealized gains or losses.

Following is a description of the valuation methodologies used for instruments measured at fair value on a recurring basis and recognized in the accompanying balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy.

Investment Securities

Where quoted, market prices are available in an active market and securities are classified within Level 1 of the valuation hierarchy. There are no securities classified within Level 1 of the hierarchy. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. Level 2 securities include agencies, government-sponsored mortgage backs, state and municipal and equity securities. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy and include state and municipal, corporate obligations and equity securities. Level 3 fair value on state and municipal, corporate obligations and equity securities was determined using a discounted cash flow model that incorporated market estimates of interest rates and volatility in markets that have not been active.

Third party vendors compile prices from various sources and may apply such techniques as matrix pricing to determine the value of identical or similar investment securities (Level 2). Matrix pricing is a mathematical technique widely used in the banking industry to value investment securities without relying exclusively on quoted prices for specific investment securities but rather relying on the investment securities’ relationship to other benchmark quoted investment securities. Any investment security not valued based upon the methods above are considered Level 3.

Corporate Obligations

The pooled trust preferred securities in the portfolio fall within the scope of ASC 325-10 (formerly EITF 99-20) and include $6.1 million amortized cost, with a fair value of $194,000. These securities were rated A or better at inception, but at December 31, 2012, Moody’s ratings on these securities range from Ca to C. The issuers in these securities are primarily banks, but some of the pools do include a limited number of insurance companies. The Corporation uses an other-than-temporary impairment (“OTTI”) evaluation process to compare the present value of expected cash flows to determine whether an adverse change in cash flows has occurred. The OTTI process considers the structure and term of the collateralized debt obligation (“CDO”) and the financial condition of the underlying issuers. Specifically, the process details interest rates, principal balances of note classes and underlying issuers, the timing and amount of interest and principal payments of the underlying issuers, and the allocation of the payments to the note classes. The current estimate of expected cash flows is based on the most recent trustee reports and any other relevant market information including announcements of interest payment deferrals or defaults of underlying trust preferred securities. Assumptions used in the process include expected future default rates and prepayments as well as recovery assumptions on defaults and deferrals. In addition, the process is used to “stress” each CDO, or make assumptions more severe than expected activity, to determine the degree to which assumptions could deteriorate before the CDO could no longer fully support repayment of the Corporation’s note class. In 2012, securities for which OTTI has been previously taken, had an increase in unrealized losses of $104,000, net of tax, of which all was recorded in other comprehensive income.

Interest Rate Derivative Agreements

See information regarding the Corporation’s interest rate derivative products in Note 11. DERIVATIVE INSTRUMENTS AND HEDGING ACTIVITIES, in the Notes to Consolidated Financial Statements included as Item 8 of this Annual Report on Form 10-K.

The fair value of the interest rate swap and cap instruments were transferred from Level 3 to Level 2 as of March 31, 2012 due to the availability of additional valuation information. These instruments are valued using widely accepted valuation techniques including discounted cash flow analysis using observable inputs such as contractual terms and LIBOR-based rate curves.

The following table presents the fair value measurements of assets and liabilities recognized in the accompanying balance sheets measured at fair value on a recurring basis and the level within the ASC 820-10 fair value hierarchy in which the fair value measurements fall at December 31, 2012 and 2011.



			Fair Value Measurements Using:
			Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs		Significant Unobservable Inputs
December 31, 2012	Fair Value		(Level 1)	(Level 2)		(Level 3)
U.S. Government-sponsored agency securities	$	4,640		$	4,640
State and municipal	158,194			140,094		$	18,100
U.S. Government-sponsored mortgage-backed securities	348,579			348,579
Corporate obligations	224					224
Equity securities	1,706			1,702		4
Interest rate swap asset	6,103			6,103
Interest rate cap	197			197
Interest rate swap liability	9,766			9,766



			Fair Value Measurements Using:
			Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs		Significant Unobservable Inputs
December 31, 2011	Fair Value		(Level 1)	(Level 2)		(Level 3)
U.S. Government-sponsored agency securities	$	117		$	117
State and municipal	147,353			126,712		$	20,641
U.S. Government-sponsored mortgage-backed securities	368,998			368,998
Corporate obligations	193					193
Equity securities	1,830			1,826		4
Interest rate swap asset	5,241					5,241
Interest rate cap	424					424
Interest rate swap liability	7,797					7,797

LEVEL 3 RECONCILIATION

The following is a reconciliation of the beginning and ending balances of recurring fair value measurements recognized in the accompanying balance sheet using significant unobservable Level 3 inputs for year ended December 31, 2012 and 2011.



	Year Ended December 31, 2012
	Available for Sale Securities			Interest Rate Swap Asset			Interest Rate Cap			Interest Rate Swap Liability
Beginning Balance	$	20,838		$	5,241		$	424		$	7,797
Total realized and unrealized gains and losses
Included in net income				(860		)				(863		)
Included in other comprehensive income	(1,141		)	481			(15		)
Purchases, issuances, and settlements
Transfers in/(out) of Level 3				(4,862		)	(409		)	(6,934		)
Principal payments	(1,369		)
Ending balance	$	18,328



	Year Ended December 31, 2011
	Available for Sale Securities			Interest Rate Swap Asset			Interest Rate Cap			Interest Rate Swap Liability
Beginning Balance	$	186		$	4,002		$	1,109		$	3,876
Total realized and unrealized gains and losses
Included in net income	(400		)	3,827						3,921
Included in other comprehensive income	2,029			(2,588		)	(685		)
Purchases, issuances, and settlements
Transfers in/(out) of Level 3	18,711
Principal payments	312
Ending balance	$	20,838		$	5,241		$	424		$	7,797

There were no gains or losses for the period included in earnings that were attributable to the changes in unrealized gains or losses related to assets or liabilities held at December 31, 2012 or December 31, 2011.

TRANSFERS BETWEEN LEVELS



	Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs		Significant Unobservable Inputs
	(Level 1)	(Level 2)		(Level 3)			Reason for Transfer
Transfers to/(from) Level:							The interest rate swap and cap instruments were transferred from Level 3 to Level 2 as of March 31, 2012 due to the availability of additional valuation information. These instruments are valued using widely accepted valuation techniques including discounted cash flow analysis using observable inputs such as contractual terms and LIBOR-based rate curves.
Interest rate swap asset		$	4,862	$	(4,862	)
Interest rate cap		409		(409		)
Interest rate swap liability		6,934		(6,934		)

NONRECURRING MEASUREMENTS

Following is a description of valuation methodologies used for instruments measured at fair value on a non-recurring basis and recognized in the accompanying balance sheet, as well as the general classification of such instruments pursuant to the valuation hierarchy for year ended December 31, 2012 and 2011.



			Fair Value Measurements Using
			Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs	Significant Unobservable Inputs
December 31, 2012	Fair Value		(Level 1)	(Level 2)	(Level 3)
Impaired Loans (collateral dependent)	$	17,703			$	17,703
Other real estate owned	$	7,684			$	7,684



			Fair Value Measurements Using
			Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs	Significant Unobservable Inputs
December 31, 2011	Fair Value		(Level 1)	(Level 2)	(Level 3)
Impaired Loans (collateral dependent)	$	22,885			$	22,885
Other real estate owned	$	7,882			$	7,882

Impaired Loans (collateral dependent)

Loans for which it is probable that the Corporation will not collect all principal and interest due according to contractual terms are measured for impairment. Allowable methods for determining the amount of impairment include estimating fair value of the collateral for collateral dependent loans. If the impaired loan is identified as collateral dependent, then the fair value method of measuring the amount of impairment is utilized. This method requires obtaining a current independent appraisal of the collateral and applying a discount factor to the value. A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance. If these allocations cause the allowance for loan losses to increase, such increase is reported as a component of the provision for loan losses. Loan losses are charged against the allowance when management believes the uncollectability of the loan is confirmed. During 2012, certain impaired loans were partially charged off or re-evaluated. Impaired loans that are collateral dependent are classified within Level 3 of the fair value hierarchy when impairment is determined using the fair value method.

Other Real Estate Owned

The fair value for impaired loans and other real estate owned is measured based on the value of the collateral securing those loans or real estate and is determined using several methods. The fair value of real estate is generally determined based on appraisals by qualified licensed appraisers. The appraisers typically determine the value of the real estate by utilizing an income or market valuation approach. If an appraisal is not available, the fair value may be determined by using a cash flow analysis. Fair value on other collateral such as business assets is typically ascertained by assessing, either singularly or some combination of, asset appraisals, accounts receivable aging reports, inventory listings and or customer financial statements. Both appraised values and values based on borrower’s financial information are discounted as considered appropriate based on age and quality of the information and current market conditions.

UNOBSERVABLE (LEVEL 3) INPUTS

The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements, other than goodwill, at December 31, 2012



	Fair Value		Valuation Technique	Unobservable Inputs	Range
State and municipal securities	$	18,100	Discounted cash flow	Maturity Call Date Blend of US Muni BQ curve Discount rate	1 month to 11 years A- to BBB- 1% - 4%

Corporate obligations/Equity securities	$	228	Discounted cash flow	Risk free rate plus Premium for illiquidity	3 month LIBOR plus 200 bps

Impaired loans (collateral dependent)	$	17,703	Collateral based measurements	Discount to reflect current market conditions and ultimate collectability	0% - 50%

Other real estate owned	$	7,684	Appraisals	Discount to reflect current market conditions	0% - 20%

The following is a discussion of the sensitivity of significant unobservable inputs on recurring fair value measurments, the interrelationships between those inputs and other unobservable inputs used in recurring fair value measurement and of how those inputs might magnify or mitigate the effect of changes in the unobservable inputs on the fair value measurement.

State and Municipal Securities

The significant unobservable inputs used in the fair value measurement of the Corporation's state and municipal securities are premiums for unrated securities and marketability discounts. Significant increases or decreases in either of those inputs in isolation would result in a significantly lower or higher fair value measurement. Generally, changes in either of those inputs will not affect the other input.

Corporate Obligations/Equity Securities

The significant unobservable inputs used in the fair value measurement of the Corporation's corporate obligations and equity securities are premiums for unrated securities and marketability discounts. Significant increases or decreased in either of those inputs in isolation would result in a significantly lower or higher fair value measurement. Generally changes in either of those inputs will not affect the other input.

FAIR VALUE OF FINANCIAL INSTRUMENTS

The following table presents estimated fair values of the Corporation's financial instruments and the level within the fair value hierarchy in which the fair value measurements fall at December 31, 2012, and December 31, 2011.



	2012
	Carrying Amount		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Assets at December 31:
Cash and cash equivalents	$	101,460	$	101,460
Interest-bearing time deposits	38,443		38,443
Investment securities available for sale	513,343				$	495,015	$	18,328
Investment securities held to maturity	361,020				366,590		11,584
Mortgage loans held for sale	22,300				22,300
Loans	2,832,843						2,852,614
FRB and FHLB stock	32,785				32,785
Interest rate swap asset	6,300				6,300
Interest receivable	16,367				16,367
Liabilities at December 31:
Deposits	$	3,346,383	$	2,478,706	$	865,793
Borrowings:
Federal funds purchased	18,862				18,862
Securities sold under repurchase agreements	141,828				142,318
FHLB Advances	94,238				97,357
Subordinated debentures and term loans	112,161				62,133
Interest rate swap liability	9,766				9,766
Interest payable	1,841				1,841



	2011
	Carrying Amount		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Assets at December 31:
Cash and cash equivalents	$	73,312	$	73,312
Interest-bearing time deposits	52,851		52,851
Investment securities available for sale	518,491				$	497,653	$	20,838
Investment securities held to maturity	427,909				428,737		13,732
Mortgage loans held for sale	17,864				17,864
Loans	2,642,517						2,658,227
FRB and FHLB stock	31,270				31,270
Interest rate swap asset	5,665						5,665
Interest receivable	17,723				17,723
Liabilities at December 31:
Deposits	$	3,134,655	$	2,195,679	$	944,078
Borrowings:
Securities sold under repurchase agreements	156,305				157,342
FHLB Advances	138,095				141,693
Subordinated debentures and term loans	194,974				142,632
Interest rate swap liability	7,797						7,797
Interest payable	2,925				2,925

Cash and cash equivalents: The fair value of cash and cash equivalents approximates carrying value.

Interest-bearing time deposits: The fair value of interest-bearing time deposits approximates carrying value.

Investment securities: Fair value is based on quoted market prices, if available. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities.

Mortgage loans held for sale: The carrying amount approximates fair value due to the short duration between origination and date of sale.

Loans: The fair value for loans is estimated using discounted cash flow analysis, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. See Impaired Loans above.

Federal Reserve and Federal Home Loan Bank stock: The fair value of Federal Reserve Bank and Federal Home Loan Bank stock is based on the price which it may be resold to the Federal Reserve and Federal Home Loan Bank.

Derivative instruments: The fair value of interest rate swaps reflect the estimated amounts that would have been received to terminate these contracts at the reporting date based upon pricing or valuation models applied to current market information. Interest rate caps are valued using the market standard methodology of discounting the future expected cash receipts that would occur if variable interest rates rose above the strike rate of the caps. The projected cash receipts on the caps are based on an expectation of future interest rates derived from observed market interest rate curves and volatilities.

Interest receivable and Interest payable: The fair value of interest receivable/payable approximates carrying value.

Deposits: The fair values of noninterest-bearing and interest-bearing demand accounts and savings deposits are equal to the amount payable on demand at the balance sheet date. The carrying amounts for variable rate, fixed-term certificates of deposit approximate their fair values at the balance sheet date. Fair values for fixed-rate certificates of deposit and other time deposits are estimated using a discounted cash flow calculation that applies interest rates currently being offered to a schedule of aggregated expected monthly maturities on such time deposits.

Borrowings: The fair value of borrowings is estimated using a discounted cash flow calculation, based on current rates for similar debt.

- 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
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-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
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-Number 107
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-Subparagraph a, b
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Reference 8: http://www.xbrl.org/2003/role/presentationRef
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Reference 9: http://www.xbrl.org/2003/role/presentationRef
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Reference 11: http://www.xbrl.org/2003/role/presentationRef
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Reference 12: http://www.xbrl.org/2003/role/presentationRef
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Reference 13: http://www.xbrl.org/2003/role/presentationRef
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-Name Statement of Financial Accounting Standard (FAS)
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+ Details

Committments and Contingent Liabilities

12 Months Ended

Dec. 31, 2012

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingent Liabilities

COMMITMENTS AND CONTINGENT LIABILITIES

In the normal course of business there are outstanding commitments and contingent liabilities, such as commitments to extend credit and standby letters of credit, which are not included in the accompanying financial statements. The Corporation's exposure to credit loss in the event of nonperformance by the other party to the financial instruments for commitments to extend credit and standby letters of credit is represented by the contractual or notional amount of those instruments. The Bank uses the same credit policies in making such commitments as they do for instruments that are included in the consolidated balance sheets.

Financial instruments, whose contract amount represents credit risk as of December 31, were as follows:



	2012		2011
Amounts of commitments:
Loan commitments to extend credit	$	873,455	$	619,901
Standby letters of credit	$	21,734	$	28,665

Commitments to extend credit are agreements to lend to a customer, as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management's credit evaluation. Collateral held varies, but may include accounts receivable, inventory, property and equipment, and income-producing commercial properties.

Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party.

The Corporation and subsidiaries are also subject to claims and lawsuits, which arise primarily in the ordinary course of business. It is the opinion of management that the disposition or ultimate resolution of such claims and lawsuits will not have a material adverse effect on the consolidated financial position of the Corporation.

- Definition

The entire disclosure for commitments and contingencies.

+ References

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-Publisher FASB
-Name Accounting Standards Codification
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Reference 7: http://www.xbrl.org/2003/role/presentationRef
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+ Details

Stockholders' Equity	12 Months Ended
Stockholders' Equity	Dec. 31, 2012
Equity [Abstract]
Stockholders' Equity	STOCKHOLDERS' EQUITY National banking laws restrict the maximum amount of dividends that a bank may pay in any calendar year. National banks are limited to the bank’s retained net income (as defined) for the current year plus those for the previous two years. The amount at December 31, 2012, available for 2013 dividends from the Corporation’s subsidiaries (both banking and non-banking) was $70,704,000. Total stockholders' equity for all subsidiaries at December 31, 2012, was $632,269,000 of which $561,565,000 was restricted from dividend distribution to the Corporation. The Corporation has a Dividend Reinvestment and Stock Purchase Plan, enabling stockholders to elect to have their cash dividends on all shares held automatically reinvested in additional shares of the Corporation’s common stock. In addition, stockholders may elect to make optional cash payments up to an aggregate of $2,500 per quarter for the purchase of additional shares of common stock. The stock is credited to participant accounts at fair market value. Dividends are reinvested on a quarterly basis. Equity Offering On September 9, 2011, the Corporation entered into securities purchase agreements with two investors, pursuant to which the Corporation sold an aggregate of 2,822,000 shares of its common stock in exchange for gross proceeds of approximately $21.2 million. The purchase price for each share of common stock was $7.50. The common stock was issued in a direct private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933, as amended, and Rule 506 of Regulation D promulgated thereunder. Preferred Stock On June 30, 2010 the Corporation entered into an Exchange Agreement with the Treasury whereby the Treasury exchanged 46,400 shares of the Series A Preferred Stock for 46,400 shares of trust preferred securities, having a liquidation amount of $1,000 per share (the “Capital Securities”) issued by the Corporation’s wholly-owned subsidiary trust, First Merchants Capital Trust III, a Delaware Statutory Trust (the “Trust”). The Trust simultaneously issued 1,435 shares of the Trust’s common securities (the “Common Securities”) to the Corporation for the purchase price of $1.4 million which constituted all of the issued and outstanding common securities of the Trust. The Trust used the tendered Series A Preferred Stock and the proceeds from the sale of the Common Securities to purchase $47.8 million in aggregate principal amount of Fixed Rate Perpetual Junior Subordinated Debentures, Series A issued by the Corporation (the “Debentures”). The Capital Securities and the Debentures bore interest, payable quarterly, at a rate of five percent until February 20, 2014 when the rate increases to nine percent. The Capital Securities and Debentures were redeemable by the Corporation upon proper notice and regulatory approval (a) at any time, so long as the Capital Securities were held by the Treasury and (b) at any time after June 30, 2015, if the Capital Securities were held by a person or entity other than the Treasury. The Series A Preferred Stock, purchased from the Treasury were cancelled. Following the exchange, the Treasury continued to hold 69,600 shares of Series A Preferred Stock along with the Warrant to initially purchase up to 991,453 shares of the Corporation’s common stock. This particular exchange resulted in a gain on retirement of Preferred Stock and favorably impacting retained earnings by $10.1 million (net of deferred taxes), which was also considered as part of earnings available to common stockholders in the earnings per common share (“EPS”) computations. On September 22, 2011, the Corporation entered into a Securities Purchase Agreement (the “Purchase Agreement”) with the Treasury, pursuant to which the Corporation issued 90,782.94 shares of the Corporation’s Senior Non-Cumulative Perpetual Preferred Stock, Series B (the “Series B Preferred Stock”), having a liquidation amount per share equal to $1,000, for a total purchase price of $90,782,940. The Purchase Agreement was entered into, and the Series B Preferred Stock was issued, pursuant to the SBLF program, a $30 billion fund established under the Small Business Jobs Act of 2010, that encourages lending to small businesses by providing capital to qualified community banks with assets of less than $10 billion. Preferred Stock continued The Series B Preferred Stock is entitled to receive non-cumulative dividends, payable quarterly, on each January 1, April 1, July 1 and October 1, beginning October 1, 2011. The Purchase Agreement defines the dividend rate as a percentage of the liquidation amount, and can fluctuate on a quarterly basis during the first ten quarters during which the Series B Preferred Stock is outstanding, based upon changes in the level of Qualified Small Business Lending (“QSBL”) by the Bank. Based upon the Bank’s level of QSBL over the baseline level calculated under the terms of the Purchase Agreement (the “Baseline”), the dividend rate for the initial dividend period has been set at 5 percent. For the second through tenth dividend periods, the dividend rate may be adjusted to between 1 percent and 5 percent per annum, to reflect the amount of change in the Bank’s level of QSBL. In addition to the dividend, in the event the Bank’s level of QSBL has not increased relative to the Baseline, at the beginning of the tenth calendar quarter, the Corporation will be subject to an additional lending incentive fee equal to 2 percent per annum. For the eleventh dividend period through the eighteenth dividend period, inclusive, and that portion of the nineteenth dividend period before, but not including, the four and one half year anniversary of the date of issuance, the dividend rate will be fixed at between 1 percent and 7 percent per annum based upon the increase in QSBL as compared to the baseline. After four and one half years from issuance, the dividend rate will increase to 9 percent. The Series B Preferred Stock is non-voting, except in limited circumstances. In the event that the Corporation misses five dividend payments, whether or not consecutive, the holder of the Series B Preferred Stock will have the right, but not the obligation, to appoint a representative as an observer on the Corporation’s Board of Directors. In the event that the Corporation misses six dividend payments, whether or not consecutive, and if the then outstanding aggregate liquidation amount of the Series B Preferred Stock is at least $25,000,000, then the holder of the Series B Preferred Stock will have the right to designate two directors to the Board of Directors of the Corporation. The Series B Preferred Stock may be redeemed at any time at the Corporation’s option, at a redemption price of 100 percent of the liquidation amount plus accrued but unpaid dividends to the date of redemption for the current period, subject to the approval of its federal banking regulator. The Series B Preferred Stock was issued in a private placement exempt from registration pursuant to Section 4(2) of the Securities Act of 1933, as amended. The Corporation has agreed to register the Series B Preferred Stock under certain circumstances set forth in Annex E to the Purchase Agreement. The Series B Preferred Stock is not subject to any contractual restrictions on transfer. Also on September 22, 2011, the Corporation entered into and consummated two letter agreements (each, a “Repurchase Letter”) with the Treasury, pursuant to which the Corporation redeemed, out of the proceeds of the issuance of the Series B Preferred Stock in the amount of $90,782,940 and cash of $25,813,171 (of which $21,165,000 was raised through a private placement of the Corporation’s common stock on September 9, 2011) for an aggregate redemption price of $116,596,111, including accrued but unpaid dividends to the date of redemption: (i) the remaining 69,600 shares of the Corporation’s Series A Preferred Stock, and (ii) all 46,400 Capital Securities held by the Treasury . The foregoing summary of the terms of the Repurchase Letters is subject to, and qualified in its entirety by, the full text of the Repurchase Letters. On November 23, 2011, the Corporation also repurchased the Warrant to purchase 991,453 shares of the Corporation’s common stock at an exercise price of $17.55 per share with an expiration date of February 20, 2019 (the “Warrant”) held by the Treasury. The Corporation was the successful bidder in a private auction for the Warrant conducted by the Treasury with a winning bid of $367,500.

- Definition

The entire disclosure for shareholders' equity, comprised of portions attributable to the parent entity and noncontrolling interest, if any, including other comprehensive income (as applicable). Including, but not limited to: (1) balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings; (2) accumulated balance for each classification of other comprehensive income and total amount of comprehensive income; (3) amount and nature of changes in separate accounts, including the number of shares authorized and outstanding, number of shares issued upon exercise and conversion, and for other comprehensive income, the adjustments for reclassifications to net income; (4) rights and privileges of each class of stock authorized; (5) basis of treasury stock, if other than cost, and amounts paid and accounting treatment for treasury stock purchased significantly in excess of market; (6) dividends paid or payable per share and in the aggregate for each class of stock for each period presented; (7) dividend restrictions and accumulated preferred dividends in arrears (in aggregate and per share amount); (8) retained earnings appropriations or restrictions, such as dividend restrictions; (9) impact of change in accounting principle, initial adoption of new accounting principle and correction of an error in previously issued financial statements; (10) shares held in trust for Employee Stock Ownership Plan (ESOP); (11) deferred compensation related to issuance of capital stock; (12) note received for issuance of stock; (13) unamortized discount on shares; (14) description, terms, and number of warrants or rights outstanding; (15) shares under subscription and subscription receivables, effective date of new retained earnings after quasi-reorganization and deficit eliminated by quasi-reorganization and, for a period of at least ten years after the effective date, the point in time from which the new retained dates; and (16) retroactive effective of subsequent change in capital structure.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
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-Publisher FASB
-Name Accounting Standards Codification
-Glossary Preferred Stock
-URI http://asc.fasb.org/extlink&oid=6521494

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-Publisher FASB
-Name Accounting Standards Codification
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-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21564-112644

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-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 43
-Section B
-Paragraph 7, 11A
-Chapter 1
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 15: 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 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 5
-Paragraph 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 17: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph d
-Article 4

Reference 18: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5

Reference 19: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section E

Reference 20: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Article 4

Reference 21: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section C

Reference 22: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 129
-Paragraph 2, 3, 4, 5, 6, 7, 8
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 23: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

+ Details

Regulatory Capital

12 Months Ended

Dec. 31, 2012

Banking and Thrift [Abstract]

Regulatory Capital

REGULATORY CAPITAL

The Corporation and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies and are assigned to a capital category. The assigned capital category is largely determined by three ratios that are calculated according to the regulations: total risk adjusted capital, Tier 1 capital, and Tier 1 leverage ratios. The ratios are intended to measure capital relative to assets and credit risk associated with those assets and off-balance sheet exposures of the entity. The capital category assigned to an entity can also be affected by qualitative judgments made by regulatory agencies about the risk inherent in the entity's activities that are not part of the calculated ratios.

There are five capital categories defined in the regulations, ranging from well capitalized to critically undercapitalized. Classification of a bank in any of the undercapitalized categories can result in actions by regulators that could have a material effect on a bank's operations.

At December 31, 2012, the management of the Corporation believes that it meets all capital adequacy requirements to which it is subject. The most recent notifications from the regulatory agencies categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, a bank must maintain a minimum total capital to risk-weighted assets, Tier I capital to risk-weighted assets and Tier I capital to average assets of 10 percent, 6 percent and 5 percent, respectively. It should be noted that a bank's capital category is determined solely for the purpose of applying the OCC's "prompt corrective action" regulations and that the capital category may not constitute an accurate representation of the Bank's overall financial condition or prospects.

Actual and required capital amounts and ratios are listed below.



	2012								2011
					Required For								Required For
	Actual				Adequate Capital				Actual				Adequate Capital
December 31,	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital (to Risk-weighted Assets)
First Merchants Corporation	$	526,792	16.34	%	$	257,927	8.00	%	$	487,393	16.54	%	$	235,781	8.00	%
First Merchants Bank	515,337		16.01		257,446		8.00		477,805		16.26		235,089		8.00
Tier I Capital (to Risk-weighted Assets)
First Merchants Corporation	$	456,132	14.15	%	$	128,964	4.00	%	$	410,132	13.92	%	$	117,890	4.00	%
First Merchants Bank	474,782		14.75		128,723		4.00		440,909		15.00		117,545		4.00
Tier I Capital (to Average Assets)
First Merchants Corporation	$	456,132	11.03	%	$	165,460	4.00	%	$	410,132	10.17	%	$	161,350	4.00	%
First Merchants Bank	474,782		11.50		165,124		4.00		440,909		10.96		160,848		4.00

- Definition

The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Audit and Accounting Guide (AAG)
-Number AAG-DEP
-Paragraph 15, 16, 17
-IssueDate 2006-05-01
-Chapter 17
-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

Loan Servicing	12 Months Ended
Loan Servicing	Dec. 31, 2012
Banking and Thrift [Abstract]
Loan Servicing	LOAN SERVICING Mortgage loans serviced for others are not included in the accompanying consolidated balance sheets. The loans are serviced primarily for the Federal Home Loan Mortgage Corporation, and the unpaid balances totaled $167,879,000, $136,867,000 and $163,139,000 at December 31, 2012, 2011 and 2010, respectively. The amount of capitalized servicing assets is considered immaterial.

Share-Based Compensation

12 Months Ended

Dec. 31, 2012

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Share-Based Compensation

SHARE-BASED COMPENSATION

Stock options and restricted stock awards ("RSAs") have been issued to directors, officers and other management employees under the Corporation's 1999 Long-term Equity Incentive Plan and the 2009 Long-term Equity Incentive Plan. The stock options, which have a ten-year life, become 100 percent vested ranging from three months to two years and are fully exercisable when vested. Option exercise prices equal the Corporation's common stock closing price on NASDAQ on the date of grant. RSAs provide for the issuance of shares of the Corporation's common stock at no cost to the holder and generally vest after three years. The RSAs vest only if the employee is actively employed by the Corporation on the vesting date and, therefore, any unvested shares are forfeited. RSAs for employees retired from the Corporation are either immediately vested at retirement or continue to vest after retirement, depending on which plan under which the shares were granted. Deferred stock units ("DSUs") have been credited to non-employee directors who have elected to defer payment of compensation under the Corporation's 2008 Equity Compensation Plan for Non-employee Directors. DSUs credited are equal to the restricted shares that the non-employee director would have received under the plan. As of December 31, 2012, all outstanding DSUs have been converted to RSA’s due to director retirements.

The Corporation’s 2009 Employee Stock Purchase Plan (“ESPP”) provides eligible employees of the Corporation and its subsidiaries an opportunity to purchase shares of common stock of the Corporation through quarterly offerings financed by payroll deductions. The price of the stock to be paid by the employees shall be equal to 85 percent of the average of the closing price of the Corporation’s common stock on each trading day during the offering period. However, in no event shall such purchase price be less than the lesser of an amount equal to 85 percent of the market price of the Corporation’s stock on the offering date or an amount equal to 85 percent of the market value on the date of purchase. Common stock purchases are made quarterly and are paid through advance payroll deductions up to a calendar year maximum of $25,000.

Compensation expense related to unvested share-based awards is recorded by recognizing the unamortized grant date fair value of these awards over the remaining service periods of those awards, with no change in historical reported fair values and earnings. Awards are valued at fair value in accordance with provisions of share-based compensation guidance and are recognized on a straight-line basis over the service periods of each award. To complete the exercise of vested stock options, RSA’s and ESPP options, the Corporation generally issues new shares from its authorized but unissued share pool. Share-based compensation for the year ended December 31, 2012, 2011, and 2010 were $1,492,000, $1,315,000, and $1,750,000, respectively, and has been recognized as a component of salaries and benefits expense in the accompanying CONSOLIDATED STATEMENTS OF INCOME.

The estimated fair value of the stock options granted during 2012, 2011, and 2010 was calculated using a Black-Scholes option pricing model. The following summarizes the assumptions used in the Black-Scholes model:



	2012			2011			2010
Risk-free interest rate	1.36	%		2.74	%		2.38	%
Expected price volatility	46.22	%		45.43	%		43.54	%
Dividend yield	3.29	%		3.65	%		4.02	%
Forfeiture rate	4.77	%		5.00	%		5.00	%
Weighted-average expected life, until exercise	7.20		years	6.91		years	6.68		years

The Black-Scholes model incorporates assumptions used to value share-based awards. The risk-free rate of interest, for periods equal to the expected life of the option, is based on a U.S. government instrument over a similar contractual term of the equity instrument. Expected price volatility is based on historical volatility of the Corporation’s common stock. In addition, the Corporation generally uses historical information to determine the dividend yield and weighted-average expected life of the options until exercise. Separate groups of employees that have similar historical exercise behavior with regard to option exercise timing and forfeiture rates are considered separately for valuation and attribution purposes.

Share-based compensation expense recognized in the CONSOLIDATED STATEMENTS OF INCOME is based on awards ultimately expected to vest and is reduced for estimated forfeitures. Share-based compensation guidance requires forfeitures to be estimated at the time of grant and revised, if necessary, in subsequent periods, if actual forfeitures differ from those estimates. Pre-vesting forfeitures were estimated to be approximately 5 percent for the year ended December 31, 2012, based on historical experience.

The following table summarizes the components of the Corporation's share-based compensation awards recorded as expense:



	Year Ended December 31,			Year Ended December 31,			Year Ended December 31,
	2012			2011			2010
Stock and ESPP Options
Pre-tax compensation expense	$	284		$	237		$	632
Income tax benefit	(23		)	(21		)	(71		)
Stock and ESPP option expense, net of income taxes	$	261		$	216		$	561
Restricted Stock Awards
Pre-tax compensation expense	$	1,208		$	1,078		$	1,118
Income tax benefit	(428		)	(371		)	(391		)
Restricted stock awards expense, net of income taxes	$	780		$	707		$	727
Total Share-Based Compensation:
Pre-tax compensation expense	$	1,492		$	1,315		$	1,750
Income tax benefit	(451		)	(392		)	(462		)
Total share-based compensation expense, net of income taxes	$	1,041		$	923		$	1,288

As of December 31, 2012, unrecognized compensation expense related to stock options and RSAs totaling $78,000 and $1,799,000, respectively, is expected to be recognized over weighted-average periods of 0.73 and 1.32 years, respectively.

Stock option activity under the Corporation's stock option plans, as of December 31, 2012, and changes during the year ended December 31, 2012, were as follows:



	Number of Shares		Weighted-Average Exercise Price		Weighted Average Remaining Contractual Term (in Years)	Aggregate Intrinsic Value
Outstanding at January 1, 2012	1,035,871		$	22.57
Granted	46,801		$	11.69
Exercised	(10,500	)	$	7.39
Cancelled	(165,536	)	$	25.87
Outstanding December 31, 2012	906,636		$	21.58	4.08	1,046,301
Vested and Expected to Vest at December 31, 2012	906,636		$	21.58	4.08	1,046,301
Exercisable at December 31, 2012	838,586		$	22.61	3.63	721,758

The weighted-average grant date fair value was $3.97, $3.09 and $2.01 for stock options granted during the years ended December 31, 2012, 2011 and 2010, respectively.

The aggregate intrinsic value in the table above represents the total pre-tax intrinsic value (the difference between the Corporation's closing stock price on the last trading day of 2012 and the exercise price, multiplied by the number of in-the-money options) that would have been received by the option holders had all option holders exercised their stock options on December 31, 2012. The amount of aggregate intrinsic value will change based on the fair market value of the Corporation's common stock.

The aggregate intrinsic value of stock options exercised during the year ended December 31, 2012 was $60,000. There were no stock options exercised during the years ended 2011 and 2010. Cash receipts of stock options exercised during 2012 were $78,000.

The following table summarizes information on unvested RSAs outstanding as of December 31, 2012:



	Number of Shares		Weighted-Average Grant Date Fair Value
Unvested RSAs at January 1, 2012	338,087		$	8.65
Granted	160,089		$	11.86
Forfeited	(86,326	)	$	11.41
Vested	(10,475	)	$	9.36
Unvested RSAs at December 31, 2012	401,375		$	9.29

The grant date fair value of ESPP options was estimated at the beginning of the October 1, 2012, quarterly offering period of approximately $33,000. The ESPP options vested during the three months ending December 31, 2012, leaving no unrecognized compensation expense related to unvested ESPP options at December 31, 2012.

- Definition

The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 50
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6406099&loc=d3e25284-112666

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
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Reference 3: http://www.xbrl.org/2003/role/presentationRef
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-Name Accounting Standards Codification
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Reference 4: http://www.xbrl.org/2003/role/presentationRef
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Reference 5: http://www.xbrl.org/2003/role/presentationRef
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Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 123R
-Paragraph 64, 65, A240
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Statement of Position (SOP)
-Number 93-6
-Paragraph 53
-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

Pension and Other Post Retirement Benefit Plans

12 Months Ended

Dec. 31, 2012

Compensation and Retirement Disclosure [Abstract]

Pension and Other Post Retirement Benefit Plans

PENSION AND OTHER POST RETIREMENT BENEFIT PLANS

The Corporation’s defined-benefit pension plans cover approximately 29 percent of the Corporation’s employees. In 2005, the Board of Directors of the Corporation approved the curtailment of the accumulation of defined benefits for future services provided by certain participants in the First Merchants Corporation Retirement Plan. No additional pension benefits have been earned by any employees who had not attained both the age of 55 and accrued at least 10 years of vesting service as of March 1, 2005. The benefits are based primarily on years of service and employees’ pay near retirement. Contributions are intended to provide not only for benefits attributed to service-to-date, but also for those expected to be earned in the future. The Corporation also maintains post retirement benefit plans that provide health insurance benefits to retirees. The plans allow retirees to be carried under the Corporation’s health insurance plan, generally from ages 55 to 65. The retirees pay 100 percent of the premiums due for their coverage.

The table below sets forth the plans’ funded status and amounts recognized in the consolidated balance sheet at December 31, using measurement dates of December 31, 2012 and December 31, 2011.



	2012			2011
Change in benefit obligation
Benefit obligation at beginning of year	$	68,769		$	61,422
Service Cost	161			252
Interest Cost	2,990			3,208
Actuarial Loss (Gain)	3,168			7,346
Benefits paid	(5,922		)	(3,459		)
Benefit obligation at end of year	69,166			68,769
Change in plan assets
Fair value of plan assets at beginning of year	62,078			63,275
Actual return on plan assets	6,141			1,726
Employer contributions	568			536
Benefits Paid	(5,922		)	(3,459		)
End of Year	62,865			62,078
Funded Status at End of Year	$	(6,301	)	$	(6,691	)
Assets and Liabilities Recognized in the Balance Sheets:
Deferred Tax Asset	$	9,200		$	10,928
Liabilities	$	6,301		$	6,691
Amounts Recognized in Accumulated Other Comprehensive Income Not Yet Recognized as Components of Net Periodic Benefit Cost Consist of:
Accumulated Loss	$	(17,085	)	$	(16,310	)
Prior Service Credit	(41		)	(56		)
	$	(17,126	)	$	(16,366	)

The accumulated benefit obligation for all defined benefit plans was $69,139,000 and $68,729,000 at December 31, 2012 and 2011, respectively.

Information for for pension plans with an accumulated benefit obligation in excess of plan assets is included in the table below.



	December 31, 2012		December 31, 2011
Projected Benefit Obligation	$	69,166	$	68,769
Accumulated Benefit Obligation	$	69,139	$	68,729
Fair Value of Plan Assets	$	62,865	$	62,078

The following table shows the components of net periodic pension costs:



	December 31, 2012			December 31, 2011
Service Cost	$	161		$	252
Interest Cost	2,990			3,208
Expected Return on Plan Assets	(4,216		)	(4,313		)
Amortization of Prior Service Costs	25			25
Amortization of Net Loss	2,207			1,129
Net Periodic Pension Cost	$	1,167		$	301

Other changes in plan assets and benefit obligations recognized in other comprehensive income:



	December 31, 2012			December 31, 2011
Net Periodic Pension Cost	$	1,167		$	301
Net gain (loss)	1,242			9,933
Actuarial gain (loss)	(2,207		)	(1,129		)
Amortization of prior service (cost) credit	(25		)	(25		)
Total Recognized in Other Comprehensive Income	(990		)	8,779
Total Recognized in NPPC and OCI	$	177		$	9,080

The estimated net loss and transition obligation for the defined benefit pension plans that will be amortized from accumulated other comprehensive income into net periodic pension cost over the next fiscal year are:



	December 31, 2012			December 31, 2011
Amortization of Net Loss	$	(2,158	)	$	(2,319	)
Amortization of Prior Service Cost	(25		)	(25		)
Total	$	(2,183	)	$	(2,344	)

Significant assumptions include:



	December 31, 2012		December 31, 2011
Weighted-average Assumptions Used to Determine Benefit Obligation:
Discount Rate	4.00	%	4.50	%
Rate of Compensation Increase for accruing active participants	3.00	%	4.00	%
Weighted-average Assumptions Used to Determine Benefit Cost:
Discount Rate	4.50	%	5.40	%
Expected Return on Plan Assets	7.00	%	7.00	%
Rate of Compensation Increase for accruing active participants	4.00	%	4.00	%

At December 31, 2012 and December 31, 2011, the Corporation based its estimate of the expected long-term rate of return on analysis of the historical returns of the plans and current market information available. The plans’ investment strategies are to provide for preservation of capital with an emphasis on long-term growth without undue exposure to risk. The assets of the plans’ are invested in accordance with the plans’ Investment Policy Statement, subject to strict compliance with ERISA and any other applicable statutes.

The plans’ risk management practices include quarterly evaluations of investment managers, including reviews of compliance with investment manager guidelines and restrictions; ability to exceed performance objectives; adherence to the investment philosophy and style; and ability to exceed the performance of other investment managers. The evaluations are reviewed by management with appropriate follow-up and actions taken, as deemed necessary. The Investment Policy Statement generally allows investments in cash and cash equivalents, real estate, fixed income debt securities and equity securities, and specifically prohibits investments in derivatives, options, futures, private placements, short selling, non-marketable securities and purchases of non-investment grade bonds.

At December 31, 2012, the maturities of the plans’ debt securities ranged from 31 days to 9.08 years, with a weighted average maturity of 4.97 years. At December 31, 2011, the maturities of the plans’ debt securities ranged from 45 days to 10.83 years, with a weighted average maturity of 5.38 years.

The following benefit payments, which reflect expected future service, as appropriate, are expected to be paid as of December 31, 2012. The minimum contribution required in 2013 will likely be zero but the Corporation may decide to make a discretionary contribution during the year.



2013	$	3,984
2014	4,110
2015	4,236
2016	4,219
2017	4,201
After 2017	21,414
	$	42,164

Plan assets are re-balanced quarterly. At December 31, 2012 and 2011, plan assets by category are as follows:



	December 31, 2012				December 31, 2011
	Actual		Target		Actual		Target
Cash and cash equivalents	1.3	%	3.0	%	3.2	%	3.0	%
Equity securities	53.7		51.0		49.7		51.0
Debt securities	43.0		44.0		45.5		44.0
Alternative investments	2.0		2.0		1.6		2.0
	100.0	%	100.0	%	100.0	%	100.0	%

The First Merchants Corporation Retirement and Income Savings Plan (the “Savings Plan”), a Section 401(k) qualified defined contribution plan, was amended on March 1, 2005 to provide enhanced retirement benefits, including employer and matching contributions, for eligible employees of the Corporation and its subsidiaries. The Corporation matches employees’ contributions primarily at the rate of 50 percent for the first 6 percent of base salary contributed by participants.

Beginning in 2005, employees who have completed 1000 hours of service and are an active employee on the last day of the year receive an additional retirement contribution after year-end. The amount of a participant’s retirement contribution varies from 2 to 7 percent of salary based upon years of service. Employees hired after January 1, 2010 do not participate in the additional retirement contribution. Full vesting occurs after five years of service. The Corporation’s expense for the Savings Plan, including the additional retirement contribution, was $2,914,000 for 2012, $2,824,000 for 2011 and $2,728,000 for 2010.

The Corporation maintains post retirement benefit plans that provide health insurance benefits to retirees. The plans allow retirees to be carried under the Corporation’s health insurance plan, generally from ages 55 to 65. The retirees pay 100 percent of the premiums due for their coverage. The accrued benefits payable under the plans totaled $4,035,000 and $4,116,000 at December 31, 2012 and 2011, respectively. Post retirement plan expense totaled $477,000, $528,000 and $574,000 for the years ending December 31, 2012, 2011 and 2010, respectively.

Pension Plan Assets

Following is a description of the valuation methodologies used for pension plan assets measured at fair value on a recurring basis, as well as the general classification of pension plan assets pursuant to the valuation hierarchy.

Where quoted market prices are available in an active market, plan assets are classified within Level 1 of the valuation hierarchy. Level 1 plan assets total $45,296,000 and include cash and cash equivalents, common and preferred stocks, mutual funds and corporate bonds and notes. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of plan assets with similar characteristics or discounted cash flows. Level 2 plan assets total $17,569,000 and include governmental agencies, taxable municipals, common collective trust investments (which are classified below as Party-in-Interest investments -- common bond fund and common equity fund) and certificates of deposit. In certain cases where Level 1 or Level 2 inputs are not available, plan assets are classified within Level 3 of the hierarchy. There are no assets classified within Level 3 of the hierarchy at December 31, 2012.



			Fair Value Measurements Using
			Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
December 31, 2012	Fair Value		(Level 1)		(Level 2)		(Level 3)
Cash & Cash Equivalents	$	795	$	795
Corporate Bonds and Notes	6,157		6,157
Government Agency and Municipal Bonds and Notes	8,642				$	8,642
Certificates of Deposit	357				357
Preferred Stock	52		52
Party-in-Interest Investments
Common Stock	898		898
Common Bond Fund	4,075				4,075
Common Equity Fund	4,495				4,495
Mutual Funds
Taxable Bond	7,409		7,409
Large Cap Equity	16,166		16,166
Mid Cap Equity	6,772		6,772
Small Cap Equity	2,640		2,640
International Equity	3,178		3,178
Specialty Alternative Equity	1,229		1,229

- Definition

The entire disclosure for pension and other postretirement benefits.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-URI http://asc.fasb.org/topic&trid=2235017

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Implementation Guide (Q and A)
-Number FAS88
-Paragraph 63
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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

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

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Emerging Issues Task Force (EITF)
-Number 03-2
-Paragraph 8
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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

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

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

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 8
-Subparagraph m
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5, 6, 7, 8
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 158
-Paragraph 7, 21, 22
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name FASB Staff Position (FSP)
-Number FAS106-2
-Paragraph 20, 21, 22
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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

+ Details

Income Tax

12 Months Ended

Dec. 31, 2012

Income Tax Disclosure [Abstract]

Income Tax

INCOME TAX

The reconciliation between the statutory and actual income tax expense (benefit) is summarized in the following table for the years indicated:



	2012			2011			2010
Income Tax Expense (Benefit) for the Year Ended December 31:
Currently Payable:
Federal	$	(23	)	$	399		$	(1,780	)
State
Deferred:
Federal	15,890			8,256			(1,810		)
State
Total Income Tax Expense (Benefit)	$	15,867		$	8,655		$	(3,590	)
Reconciliation of Federal Statutory to Actual Tax Expense (Benefit):
Federal Statutory Income Tax at 35%	$	21,347		$	11,867		$	1,162
Tax-exempt Interest Income	(3,716		)	(3,714		)	(3,733		)
Non-deductible Interest Expense				649			421
Stock Compensation	76			69			150
Earnings on Life Insurance	(1,187		)	(899		)	(725		)
Tax Credits	(73		)	(99		)	(116		)
Other	(580		)	782			(749		)
Actual Tax Expense (Benefit)	$	15,867		$	8,655		$	(3,590	)

Tax expense applicable to security gains and losses, including unrealized losses relating to other-than-temporary impairment charges, for the years ended December 31, 2012, 2011 and 2010, was $836,000, $714,000 and $652,000, respectively.

The Corporation or one of its subsidiaries files income tax returns in the U.S. federal jurisdiction and various states and foreign jurisdictions. With a few exceptions, the Corporation is no longer subject to U.S. federal, state and local or non-U.S. income tax examinations by tax authorities for years before 2009.

The tax effects of temporary differences related to deferred taxes shown on the balance sheets were:



	2012			2011
Deferred Tax Asset at December 31:
Assets:
Differences in Accounting for Loan Losses	$	28,788		$	29,690
Differences in Accounting for Loan Fees	941			805
Differences in Accounting for Loans and Securities	477
Deferred Compensation	7,181			7,612
Difference in Accounting for Pensions and Other Employee Benefits	1,953			3,750
Federal & State Income Tax Loss Carryforward and Credits	9,356			12,416
Other	9,356			8,796
Total Assets	58,052			63,069
Liabilities:
Differences in Depreciation Methods	6,050			5,859
Differences in Accounting for Loans and Securities				42
State Income Tax	354			354
Net Unrealized Gain on Securities Available for Sale	7,879			8,118
Gain on FDIC Modified Whole Bank Transaction	2,737
Other	1,051			1,137
Total Liabilities	18,071			15,510
Net Deferred Tax Asset Before Valuation Allowance	39,981			47,559
Valuation allowance:
Beginning Balance	(15,701		)	(13,258		)
Decrease/(Increase) During the Year	1,842			(2,443		)
Ending Balance	(13,859		)	(15,701		)
Net Deferred Tax Asset	$	26,122		$	31,858

The decrease in the Corporation’s net deferred tax asset was primarily driven by significant decreases in the timing differences associated with the deductibility of the provision for loan losses, pensions and other employee benefits, the utilization of federal tax credit carryforwards, and the increase in the deferred tax liability associated with the gain on the FDIC modified whole bank transaction.

The Corporation has recorded a valuation allowance of $13,859,000 related to deferred state taxes as it does not anticipate having future state taxable income sufficient to fully utilize the deferred state tax asset. This is primarily due to the Corporation’s current tax structure as discussed in the “INCOME TAXES” section of Management’s Discussion and Analysis of Financial Condition and Results of Operations included as item 7 of this Annual Report on Form 10-K.

As of December 31, 2012, the Corporation had approximately $110,065,000 of state tax loss carryforward available to offset future franchise tax. This state loss carryforward has a full valuation allowance.

- Definition

The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.

+ References

+ Details

Net Income Per Share

12 Months Ended

Dec. 31, 2012

Earnings Per Share [Abstract]

Net Income Per Share

NET INCOME PER SHARE

Basic net income per share is computed by dividing net income by the weighted-average shares outstanding during the reporting period. Diluted net income per share is computed by dividing net income by the combination of all dilutive common share equivalents, comprised of shares issuable under the Corporation’s share-based compensation plans, and the weighted-average shares outstanding during the reporting period.

Dilutive common share equivalents include the dilutive effect of in-the-money share-based awards, which are calculated based on the average share price for each period using the treasury stock method. Under the treasury stock method, the exercise price of share-based awards, the amount of compensation expense, if any, for future service that the Corporation has not yet recognized, and the amount of estimated tax benefits that would be recorded in additional paid-in capital when share-based awards are exercised, are assumed to be used to repurchase common stock in the current period.

The following table reconciles basic and diluted net income per share for the years indicated:



	2012						2011						2010
	Net Income			Weighted-Average Shares	Per Share Amount		Net Income			Weighted-Average Shares	Per Share Amount		Net Income (Loss)			Weighted-Average Shares	Per Share Amount
Basic net income per share:	$	45,122					$	25,252					$	6,909
Gain on exchange of preferred stock for trust preferred securities													11,353
Loss on CPP unamortized discount							(1,401		)				(1,301		)
Loss on extinguishment of trust preferred securities							(10,857		)
Preferred stock dividends	(4,539		)				(3,981		)				(5,239		)
Net income available to common stockholders	40,583			28,632,915	$	1.42	9,013			26,550,043	$	0.34	11,722			24,519,033	$	0.48
Effect of dilutive stock options and warrants				213,769						143,805						123,392
Diluted net income per share:
Net income available to common stockholders	$	40,583		28,846,684	$	1.41	$	9,013		26,693,848	$	0.34	$	11,722		24,642,425	$	0.48

Options to purchase 820,706, 1,029,577, and 1,052,994 shares of common stock with weighted average exercise prices of $21.58, $22.57, and $23.01 at December 31, 2012, 2011 and 2010 respectively, were excluded from the computation of diluted net income per share because the options exercise price was greater than the average market price of the common stock.

Quarterly Results of Operations (Unaudited)

12 Months Ended

Dec. 31, 2012

Quarterly Financial Information Disclosure [Abstract]

Quarterly Results of Operations (Unaudited)

QUARTERLY RESULTS OF OPERATIONS (UNAUDITED)

The following table sets forth certain quarterly results for the years ended December 31, 2012 and 2011:



	2012												2011
	First			Second			Third			Fourth			First			Second			Third			Fourth
Interest income	$	43,469		$	44,169		$	45,347		$	42,964		$	46,366		$	45,721		$	45,085		$	44,073
Interest expense	7,353			6,116			5,445			4,699			10,889			9,874			9,234			7,893
Net interest income	36,116			38,053			39,902			38,265			35,477			35,847			35,851			36,180
Provision for loan losses	4,875			4,545			4,609			4,505			5,594			5,625			5,556			5,855
Net interest income after provision for loan losses	31,241			33,508			35,293			33,760			29,883			30,222			30,295			30,325
Non-interest income	22,658			13,165			14,273			14,206			11,858			11,061			13,230			12,971
Non-interest expense	34,028			34,180			34,404			34,503			33,881			34,399			34,222			33,436
Income before income tax expense	19,871			12,493			15,162			13,463			7,860			6,884			9,303			9,860
Income tax expense	5,500			3,288			3,926			3,153			2,399			1,396			2,561			2,299
Net income	14,371			9,205			11,236			10,310			5,461			5,488			6,742			7,561
Loss on CPP unamortized discount																			(1,401		)
Loss on extinguishment of trust preferred securities																			(10,857		)
Preferred stock dividends	(1,135		)	(1,135		)	(1,134		)	(1,135		)	(988		)	(990		)	(868		)	(1,135		)
Net income available to common stockholders	$	13,236		$	8,070		$	10,102		$	9,175		$	4,473		$	4,498		$	(6,384	)	$	6,426

Basic EPS	$	0.46		$	0.29		$	0.35		$	0.32		$	0.17		$	0.18		$	(0.25	)	$	0.24
Diluted EPS	$	0.46		$	0.28		$	0.35		$	0.32		$	0.17		$	0.18		$	(0.25	)	$	0.24
Average Shares Outstanding:
Basic	28,582,616			28,624,609			28,649,996			28,673,802			25,605,571			25,656,826			26,367,067			28,540,469
Diluted	28,754,713			28,815,019			28,888,076			28,930,392			25,763,378			25,782,799			26,367,067			28,699,505

- Definition

The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.

+ References + Details

Condensed Financial Information (parent company only)

12 Months Ended

Dec. 31, 2012

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Condensed Financial Information (parent company only)

CONDENSED FINANCIAL INFORMATION (parent company only)

Presented below is condensed financial information as to financial position, results of operations, and cash flows of the Corporation.

Condensed Balance Sheets



	December 31, 2012		December 31, 2011
Assets
Cash	$	35,160	$	20,654
Investment in Subsidiaries	633,971		611,809
Goodwill	448		448
Other Assets	6,638		8,540
Total Assets	$	676,217	$	641,451
Liabilities
Borrowings	$	111,702	$	115,826
Other Liabilities	12,279		11,158
Total Liabilities	123,981		126,984
Stockholders' Equity	552,236		514,467
Total Liabilities and Stockholders' Equity	$	676,217	$	641,451

Condensed Statements of Income and Comprehensive Income



	December 31, 2012			December 31, 2011			December 31, 2010
Income
Dividends from Subsidiaries	$	30,096		$	4,677		$	3,256
Administrative Services Fees from Subsidiaries							28,489
Other Income	85			(11		)	190
Total Income	30,181			4,666			31,935
Expenses
Interest Expense	4,655			7,661			6,816
Salaries and Employee Benefits	3,194			2,688			25,884
Net Occupancy and Equipment Expenses	312			31			6,213
Telephone Expenses	30			21			918
Postage and Courier Expenses	1			2			1,786
Other Expenses	1,502			1,501			5,382
Total Expenses	9,694			11,904			46,999
Income (Loss) Before Income Tax Benefit and Equity in Undistributed Income of Subsidiaries	20,487			(7,238		)	(15,064		)
Income Tax Benefit	3,316			3,256			5,970
Income (Loss) Before Equity in Undistributed Income of Subsidiaries	23,803			(3,982		)	(9,094		)
Equity in Undistributed (Distributions in Excess of) Income of Subsidiaries	21,319			29,234			16,003
Net Income	45,122			25,252			6,909
Gain on Exchange of Preferred Stock							11,353
Loss on CPP Unamortized Discount				(1,401		)	(1,301		)
Loss on Extinguishment of Trust Preferred Securities				(10,857		)
Preferred Stock Dividends and Discount Accretion	(4,539		)	(3,981		)	(5,239		)
Net Income Available to Common Stockholders	$	40,583		$	9,013		$	11,722

Net Income	$	45,122		$	25,252		$	6,909
Other Comprehensive Income	(1,897		)	6,555			(1,331		)
Comprehensive Income	$	43,225		$	31,807		$	5,578

Condensed Statement of Cash Flows



	Year Ended December 31,
	2012			2011			2010
Operating Activities:
Net Income	$	45,122		$	25,252		$	6,909
Adjustments to Reconcile Net Income to Net Cash
Provided by Operating Activities
Share-based Compensation	632			524			1,750
Tax Benefit from Share Based Compensation							50
Distributions in Excess of (Equity in Undistributed) Income of Subsidiaries	(21,319		)	(29,234		)	(16,003		)
Net Change in:
Other Assets	1,902			5,747			3,309
Other Liabilities	1,122			1,091			(744		)
Investment in Subsidiaries - Operating Activities	(1,755		)	(6,593		)	(20		)
Net Cash Provided (Used) by Operating Activities	$	25,704		$	(3,213	)	$	(4,749	)
Investing Activities - Investment in Subsidiaries	(126		)	704			(12,500		)
Net Cash Provided (Used) in Investing Activities	$	(126	)	$	704		$	(12,500	)
Financing Activities:
Cash Dividends	$	(7,442	)	$	(4,729	)	$	(5,920	)
Repayment of Borrowings	(4,124		)	(46,400		)
Preferred stock redemption under Capital Purchase Program				(69,600		)
Preferred stock issued under Small Business Lending Fund				90,783
Repurchase of Common Stock Warrants under Capital Purchase Program				(368		)
Common Stock Issued				21,165			24,150
Stock Issued Under Employee Benefit Plans	449			669			582
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan	202			89			91
Stock Options Exercised	78
Tax Benefit from Share Based Compensation							(50		)
Stock Redeemed	(235		)	(126		)	(76		)
Other				298			198
Net Cash Provided (Used) by Financing Activities	$	(11,072	)	$	(8,219	)	$	18,975
Net Change in Cash	14,506			(10,728		)	1,726
Cash, Beginning of the Year	20,654			31,382			29,656
Cash, End of Year	$	35,160		$	20,654		$	31,382

- Definition

The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.

+ References + Details

Subsequent Events	12 Months Ended
Subsequent Events	Dec. 31, 2012
Subsequent Events [Abstract]
Subsequent Events	SUBSEQUENT EVENTS On January 3, 2013, the Corporation redeemed 22,695.94 shares of its Senior Non-Cumulative Perpetual Preferred Stock, Series B (the “Series B Preferred Stock”) held by the U.S. Department of the Treasury (the “Treasury”) at an aggregate redemption price of $22,695,940, plus accrued but unpaid dividends. The Series B Preferred Stock was issued to the Treasury on September 22, 2011 as part of the Corporation's participation in the Small Business Lending Fund Program. Following the redemption, the Treasury holds 68,087 shares of Series B Preferred Stock representing a remaining liquidation amount of approximately $68 million.

Accounting Matters

12 Months Ended

Dec. 31, 2012

Accounting Changes and Error Corrections [Abstract]

Accounting Matters

ACCOUNTING MATTERS

FASB ASU 2013-02, Comprehensive Income (Topic 220): Reporting of Amounts Reclassified Out of Accumulated Other Comprehensive Income. In February 2013, the FASB issued ASU 2013-02 to improve the transparency of reporting reclassifications out of accumulated other comprehensive income. Other comprehensive income includes gains and losses that are initially excluded from net income for an accounting period. Those gains and losses are later reclassified out of accumulated other comprehensive income into net income.

The amendments in the Update do not change the current requirements for reporting net income or other comprehensive income in financial statements. All of the information that this Update requires already is required to be disclosed elsewhere in the financial statements under U.S.

Generally Accepted Accounting Principles (U.S. GAAP).

The new amendments will require an organization to:


•	Present (either on the face of the statement where net income is presented or in the notes) the effects on the line items of net income of significant amounts reclassified out of accumulated other comprehensive income-but only if the item reclassified is required under U.S. GAAP to be reclassified to net income in its entirety in the same reporting period.


•	Cross-reference to other disclosures currently required under U.S. GAAP for other reclassification items (that are not required under

U.S. GAAP) to be reclassified directly to net income in their entirety in the same reporting period. This would be the case when a portion of the amount reclassified out of accumulated other comprehensive income is initially transferred to a balance sheet account (e.g., inventory for pension-related amounts) instead of directly to income or expense.

The amendments apply to all public and private companies that report items of other comprehensive income. Public companies are required to comply with these amendments for all reporting periods (interim and annual). A private company is required to meet the reporting requirements of the amended paragraphs about the roll forward of accumulated other comprehensive income for both interim and annual reporting periods. However, private companies are only required to provide the information about the impact of reclassifications on line items of net income for annual reporting periods, not for interim reporting periods.

For public companies, the amendments are effective for reporting periods beginning after December 15, 2012 and the Corporation is evaluating the effect of this ASU on the financial statements taken as a whole.

FASB ASU 2013-01, Balance Sheet (Topic 210): Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities. In January 2013, the FASB issued ASU 2013-01, Balance Sheet (Topic 210): Clarifying the Scope of Disclosures about Offsetting Assets and Liabilities. The Update clarifies the scope of transactions that are subject to the disclosures about offsetting.

The Update clarifies that ordinary trade receivables and receivables are not in the scope of Accounting Standards Update No. 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities. Specifically, Update 2011-11 applies only to derivatives, repurchase agreements and reverse purchase agreements, and securities borrowing and securities lending transactions that are either offset in accordance with specific criteria contained in FASB Accounting Standards Codification® or subject to a master netting arrangement or similar agreement.

Issued in December 2011, Update 2011-11 was the result of a joint project with the International Accounting Standards Board. Its objective was to improve transparency and comparability between U.S. GAAP and International Financial Reporting Standards by requiring enhanced disclosures about financial instruments and derivative instruments that are either (1) offset on the statement of financial position or (2) subject to an enforceable master netting arrangement or similar agreement.

The Board undertook this clarification project in response to concerns expressed by U.S. stakeholders about the standard's broad definition of financial instruments. After the standard was finalized, companies realized that many contracts have standard commercial provisions that would equate to a master netting arrangement, significantly increasing the cost of compliance at minimal value to financial statement users. The Corporation is evaluating the effect of this ASU on the financial statements taken as a whole.

FASB ASU 2012-04, Technical Corrections and Improvements. In October 2012, the FASB issued ASU 2012-04, Technical Corrections and Improvements. The amendments in this ASU make technical corrections, clarifications and limited-scope improvements to various Topics throughout the Codification.

This ASU is effective for public entities for fiscal periods beginning after December 15, 2012 and the Corporation is evaluating the effect of this ASU on the financial statements taken as a whole.

FASB ASU 2011-11, Balance Sheet (Topic 210): Disclosures about Offsetting Assets and Liabilities. The eligibility criteria for offsetting are different in international financial reporting standards (IFRS) and U.S. generally accepted accounting principles (GAAP). Offsetting, otherwise known as netting, is the presentation of assets and liabilities as a single net amount in the statement of financial position (balance sheet). Unlike IFRS, U.S. GAAP allows companies the option to present net in their balance sheets derivatives that are subject to a legally enforceable netting arrangement with the same party where rights of set-off are only available in the event of default or bankruptcy.

To address these differences between IFRS and U.S. GAAP, in January 2011 the FASB and the IASB (the Boards) issued an exposure draft that proposed new criteria for netting, which were narrower than the current conditions in U.S. GAAP. Nevertheless, in response to feedback from their respective stakeholders, the Boards decided to retain their existing offsetting models. Instead, the Boards have issued common disclosure requirements related to offsetting arrangements to allow investors to better compare financial statements prepared in accordance with IFRS or U.S. GAAP.

The amendments to the FASB Accounting Standards Codification in this ASU require an entity to disclose information about offsetting and related arrangements to enable users of its financial statements to understand the effect of those arrangements on its financial position. Coinciding with the release of ASU No. 2011-11, the IASB has issued Disclosures-Offsetting Financial Assets and Financial Liabilities (Amendments to IFRS 7). This amendment requires disclosures about the offsetting of financial assets and financial liabilities common to those in ASU No. 2011-11.

The Corporation is required to apply the amendments for annual reporting periods beginning on or after January 1, 2013, and interim periods within those annual periods. The Corporation is evaluating the effect of this ASU on the financial statements taken as a whole.

FASB ASU 2011-04, Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs. The amendments included in this ASU change the wording used to describe many of the requirements in U.S. GAAP for measuring fair value and for disclosing information about fair value measurements. The application of fair value measurements are not changed as a result of this amendment. Some of the amendments provide clarification of existing fair value measurements requirements while other amendments change a particular principal or requirement for measuring fair value or disclosing information about fair value measurements. The amendments in this ASU are effective for annual periods beginning after December 31, 2012 and the Corporation is evaluating the effect of this ASU on the financial statements taken as a whole.

Nature of Operations and Summary of Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2012
Accounting Policies [Abstract]
Basis of Accounting	The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.
Consolidation	Consolidation The consolidated financial statements include the accounts of the Corporation and all its subsidiaries, after elimination of all material intercompany transactions.
Available For Sale Securities	AVAILABLE FOR SALE SECURITIES are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted prices when available. Where quoted market prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. There are no securities classified within Level 1 of the hierarchy. If quoted prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics or discounted cash flows. Level 2 securities include agencies, mortgage backs, state and municipal and equity securities. In certain cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy and include state and municipals, corporate obligations and equity securities. Amortization of premiums and accretion of discounts are recorded as interest income from securities. Realized gains and losses are recorded as net security gains (losses). Gains and losses on sales of securities are determined on the specific-identification method. Available for sale and held to maturity securities are evaluated for other-than-temporary impairment (“OTTI”) at least on a quarterly basis, and more frequently when economic or market conditions warrant such an evaluation. The investment securities portfolio is evaluated for OTTI by segregating the portfolio into two general segments and applying the appropriate OTTI model. Investment securities are generally evaluated for OTTI under ASC 320. However, certain purchased beneficial interest, including certain non-agency government-sponsored mortgage-backed securities, asset-backed securities and collateralized debt obligations are evaluated using the model outlined in ASC 325-10. In determining OTTI under ASC 320, management considers many factors, including: (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near term prospects of the issuer, (3) whether the market decline was affected by macroeconomic conditions, and (4) whether the Corporation has the intent to sell the debt security or more likely than not will be required to sell the debt security before its anticipated recovery. The assessment of whether a decline exists that is other-than-temporary, involves a high degree of subjectivity and judgment and is based on the information available to management at a point in time. When the Corporation does not intend to sell a debt security, and it is more likely than not, the Corporation will not have to sell the security before recovery of its cost basis, it recognizes the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. The amount of the total OTTI related to the credit loss is determined based on the present value of cash flows expected to be collected and is recognized in earnings. The amount of the total OTTI related to other factors has been recognized in other comprehensive income, net of applicable income taxes. The previous amortized cost basis less the OTTI recognized in earnings becomes the new amortized cost basis of the investment. If the intent is to sell or it is more likely than not that the Corporation will be required to sell the security before recovery of its amortized cost basis, less any recognized credit loss, the OTTI is recognized in earnings equal to the entire difference between the investment’s amortized cost basis, less any recognized credit loss, and its fair value at the balance sheet date.
Held To Maturity Securities	HELD TO MATURITY SECURITIES are classified as held to maturity when the Corporation has the positive intent and ability to hold the securities to maturity. Securities held to maturity are carried at amortized cost. For held to maturity debt securities, the amount of an OTTI recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security.
Mortgage Loans Held For Sale	MORTGAGE LOANS HELD FOR SALE are carried at the principal amount outstanding. The carrying amount approximates fair value due to the short duration between origination and the date of sale.
Loans	LOANS held in the Corporation’s portfolio are carried at the principal amount outstanding. Certain non-accrual and substantially delinquent loans may be considered to be impaired. A loan is impaired when, based on current information or events, it is probable that the Bank will be unable to collect all amounts due (principal and interest) according to the contractual terms of the loan agreement. In applying the provisions of ASC 310, the Corporation considers its investment in one-to-four family residential loans and consumer installment loans to be homogeneous and therefore excluded from separate identification for evaluation of impairment. Interest income is accrued on the principal balances of loans, except for installment loans with add-on interest, for which a method that approximates the level yield method is used. The accrual of interest on impaired loans is discontinued when, in management’s opinion, the borrower may be unable to meet payments as they become due. When interest accrual is discontinued, all unpaid accrued interest is reversed when considered uncollectable. Interest income is subsequently recognized only to the extent cash payments are received and the loan is returned to accruing status. Certain loan fees and direct costs are being deferred and amortized as an adjustment of yield on the loans. Impaired loans are carried at the present value of estimated future cash flows using the loan’s existing rate, or the fair value of collateral if the loan is collateral dependent. A portion of the allowance for loan losses is allocated to impaired loans if the value of such loans is deemed to be less than the unpaid balance. If these allocations cause the allowance for loan losses to increase, such increase is reported as a component of the provision for loan losses. Loan losses are charged against the allowance when management believes the uncollectability of the loan is confirmed. The valuation would be considered Level 3, consisting of appraisals of underlying collateral and discounted cash flow analysis. Loan commitments and letters-of-credit generally have short-term, variable-rate features and contain clauses which limit the Bank’s exposure to changes in customer credit quality. Accordingly, their carrying values, which are immaterial at the respective balance sheet dates, are reasonable estimates of fair value.
Loans Acquired in Business Combinations	LOANS ACQUIRED IN BUSINESS COMBINATIONS with evidence of credit deterioration since origination and for which it is probable that all contractually required payments will not be collected are considered to be credit impaired. Evidence of credit quality deterioration as of purchase dates may include information such as past-due and nonaccrual status, borrower credit scores and recent loan to value percentages. Acquired credit-impaired loans are accounted for under the accounting guidance for loans and debt securities acquired with deteriorated credit quality (FASB ASC 310-30) and initially measured at fair value, which includes estimated future credit losses expected to be incurred over the life of the loans. Accordingly, allowances for credit losses related to these loans are not carried over and recorded at the acquisition date. Loans acquired through business combinations that do not meet the specific criteria of FASB ASC 310-30, but for which a discount is attributable, at least in part to credit quality, are also accounted for under this guidance. As a result, related discounts are recognized subsequently through accretion based on the expected cash flows of the acquired loans. For purposes of applying FASB ASC 310-30, loans acquired in business combinations are aggregated into pools of loans with common risk characteristics for the initial fair value measurement. The expected cash flows of the acquired loans in excess of the fair values recorded is referred to as the accretable yield and is recognized in interest income over the remaining estimated lives of the loans. The Corporation will continually evaluate the fair value of the loans including cash flows expected to be collected.
Allowance for Loan Losses	ALLOWANCE FOR LOAN LOSSES is maintained to absorb losses inherent in the loan portfolio and is based on ongoing, quarterly assessments of the probable losses inherent in the loan portfolio. The allowance is increased by the provision for loan losses, which is charged against current operating results. Loan losses are charged against the allowance when management believes the uncollectability of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Corporation’s strategy for credit risk management includes conservative credit policies and underwriting criteria for all loans, as well as an overall credit limit for each customer significantly below legal lending limits. The strategy also emphasizes diversification on a regional geographic, industry and customer level, regular credit quality reviews and management reviews of large credit exposures and loans experiencing deterioration of credit quality. The Corporation’s methodology for assessing the appropriateness of the allowance consists of three key elements – the determination of the appropriate reserves for specifically identified loans, probable losses estimated from historical loss rates, and probable losses resulting from economic, environmental, qualitative or other deterioration above and beyond what is reflected in the first two components of the allowance. Larger commercial loans that exhibit probable or observed credit weaknesses are subject to individual review. Where appropriate, reserves are allocated to individual loans based on management’s estimate of the borrower’s ability to repay the loan given the availability of collateral, other sources of cash flow and legal options available to the Corporation. Included in the review of individual loans are those that are impaired as provided in ASC 310. Any allowances for impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or fair value of the underlying collateral. The Corporation evaluates the collectability of both principal and interest when assessing the need for a loss accrual. Historical loss rates are applied to other commercial loans not subject to specific reserve allocations. The historical allocation for commercial loans graded pass are established by loan segments using loss rates based on the Corporation’s migration analysis. This migration analysis shows the loss rates for each segment of loans based on the loan grades at the beginning of the twelve month period. This loss rate is then applied to the current portfolio of loans in each respective loan segment. Homogenous loans, such as consumer installment and residential mortgage loans, are not individually risk graded. Reserves are established for each segment of loans using loss rates based on charge offs for the same period as the migration analysis used for commercial loans. Historical loss allocations for commercial and consumer loans may be adjusted for significant factors that, in management’s judgment, reflect the impact of any current conditions on loss recognition. Factors which management considers in the analysis include the effects of the national and local economies, trends in loan growth and charge-off rates, changes in mix, concentration of loans in specific industries, asset quality trends (delinquencies, charge offs and non-accrual loans), risk management and loan administration, changes in the internal lending policies and credit standards, examination results from bank regulatory agencies and the Corporation’s internal loan review.
Pension	PENSION benefits are provided to the Corporation’s employees. Its accounting policies related to pensions and other post retirement benefits reflect the guidance in ASC 715, Compensation – Retirement Benefits. The Corporation does not consolidate the assets and liabilities associated with the pension plan. Instead, the Corporation recognizes the funded status of the plan in the balance sheet. The measurement of the funded status and the annual pension expense involves actuarial and economic assumptions. Various statistical and other factors, which attempt to anticipate future events, are used in calculating the expense and liabilities related to the plans. Key factors include assumptions on the expected rates of return on plan assets, discount rates, expected rates of salary increases and health care costs and trends. The Corporation considers market conditions, including changes in investment returns and interest rates in making these assumptions. The primary assumptions used in determining the Corporation’s pension and post retirement benefit obligations and related expenses are presented in Note 18. PENSION AND OTHER POST RETIREMENT BENEFIT PLANS, in the Notes to Consolidated Financial Statements included as Item 8 of this Annual Report on Form 10-K.
Premises and Equipment	PREMISES AND EQUIPMENT is carried at cost net of accumulated depreciation. Depreciation is computed using the straight-line and declining balance methods based on the estimated useful lives of the assets ranging from three to forty years. Maintenance and repairs are expensed as incurred, while major additions and improvements are capitalized. Gains and losses on dispositions are included in current operations.
Federal Reserve and Federal Home Loan Bank Stock	FEDERAL RESERVE AND FEDERAL HOME LOAN BANK STOCK are required investments for institutions that are members of the Federal Reserve Bank (“FRB”) and Federal Home Loan Bank systems. The required investment in the common stock is based on a predetermined formula.
Intangible Assets	INTANGIBLE ASSETS that are subject to amortization, including core deposit intangibles, are being amortized on both the straight-line and accelerated basis over three to twenty years. Intangible assets are periodically evaluated as to the recoverability of their carrying value.
Goodwill	GOODWILL is maintained by applying the provisions of ASC 350. For purchase acquisitions, the Corporation is required to record the assets acquired, including identified intangible assets, and the liabilities assumed at their fair value, which in many instances involves estimates based on third party valuations, such as appraisals, or internal valuations based on discounted cash flow analyses or other valuation techniques that may include estimates of attrition, inflation, asset growth rates or other relevant factors. In addition, the determination of the useful lives for which an intangible asset will be amortized is subjective. Under ASC 350, Intangibles – Goodwill and Other, the Corporation is required to evaluate goodwill for impairment on an annual basis, as well as on an interim basis, if events or changes indicate that the asset may be impaired, indicating that the carrying value may not be recoverable. The Corporation has historically elected to test for goodwill impairment as of September 30 of each year. Based on the economic environment, earnings and stock price, in 2012 and 2011, the Corporation used a third party to evaluate goodwill for impairment as of October 1, 2012 and 2011, respectively. The methodology and results of the test are further discussed in the “GOODWILL” section of Management’s Discussion and Analysis of Financial Condition and Results of Operations included as Item 7 of this Annual Report on Form 10-K. An impairment loss must be recognized for any excess of carrying value over fair value of the goodwill or the indefinite-lived intangible with subsequent reversal of the impairment loss being prohibited. The tests for impairment fair values are based on internal valuations using management’s assumptions of future growth rates, future attrition, discount rates, multiples of earnings or other relevant factors. The resulting estimated fair values could have a significant impact on the carrying values of goodwill or intangibles and could result in impairment losses being recorded in future periods. The Corporation cannot predict the occurrence of certain future events that might adversely affect the reported value of goodwill. Such events include, but are not limited to, strategic decisions made in response to economic and competitive conditions, the effect of the economic environment on the Corporation’s customer base, or a material negative change in its relationship with significant customers.
Other Real Estate Owned	OTHER REAL ESTATE OWNED consists of assets acquired through, or in lieu of, loan foreclosure and are held for sale. They are initially recorded at fair value less cost to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation are included in net income or expense from foreclosed assets.
Derivative Instruments	DERIVATIVE INSTRUMENTS are carried at the fair value of the derivatives and reflects the estimated amounts that would have been received to terminate these contracts at the reporting date based upon pricing or valuation models applied to current market information. As part of the asset/liability management program, the Corporation will utilize, from time to time, interest rate floors, caps or swaps to reduce its sensitivity to interest rate fluctuations. These are derivative instruments, which are recorded as assets or liabilities in the consolidated balance sheets at fair value. Changes in the fair values of derivatives are reported in the consolidated statements of operations or other comprehensive income (“OCI”) depending on the use of the derivative and whether the instrument qualifies for hedge accounting. The key criterion for the hedge accounting is that the hedged relationship must be highly effective in achieving offsetting changes in those cash flows that are attributable to the hedged risk, both at inception of the hedge and on an ongoing basis. Derivatives that qualify for the hedge accounting treatment are designated as either: a hedge of the fair value of the recognized asset or liability or of an unrecognized firm commitment (a fair value hedge) or a hedge of a forecasted transaction or the variability of cash flows to be received or paid related to a recognized asset or liability (a cash flow hedge). To date, the Corporation has only entered into a cash flow hedge. For cash flow hedges, changes in the fair values of the derivative instruments are reported in OCI to the extent the hedge is effective. The gains and losses on derivative instruments that are reported in OCI are reflected in the consolidated statements of operations in the periods in which the results of operations are impacted by the variability of the cash flows of the hedged item. Generally, net interest income is increased or decreased by amounts receivable or payable with respect to the derivatives, which qualify for hedge accounting. At inception of the hedge, the Corporation establishes the method it uses for assessing the effectiveness of the hedging derivative and the measurement approach for determining the ineffective aspect of the hedge. The ineffective portion of the hedge, if any, is recognized currently in the consolidated statements of operations. The Corporation excludes the time value expiration of the hedge when measuring ineffectiveness. The Corporation offers interest rate derivative products (e.g. interest rate swaps) to certain of its high-quality commercial borrowers. This product allows customers to enter into an agreement with the Corporation to swap their variable rate loan to a fixed rate. These derivative products are designed to reduce, eliminate or modify the risk of changes in the borrower’s interest rate or market price risk. The extension of credit incurred through the execution of these derivative products is subject to the same approvals and rigorous underwriting standards as the related traditional credit product. The Corporation limits its risk exposure to these products by entering into a mirror-image, offsetting swap agreement with a separate, well-capitalized and rated counterparty previously approved by the Credit and Asset Liability Committee. By using these interest rate swap arrangements, the Corporation is also better insulated from the interest rate risk associated with underwriting fixed-rate loans. These derivative contracts are not designated against specific assets or liabilities under ASC 815, Derivatives and Hedging, and, therefore, do not qualify for hedge accounting. The derivatives are recorded on the balance sheet at fair value and changes in fair value of both the customer and the offsetting swap agreements are recorded (and essentially offset) in non-interest income. The fair value of the derivative instruments incorporates a consideration of credit risk (in accordance with ASC 820), resulting in some volatility in earnings each period.
Income Tax	INCOME TAX in the consolidated statements of income includes deferred income tax provisions or benefits for all significant temporary differences in recognizing income and expenses for financial reporting and income tax purposes. The Corporation files consolidated income tax returns with its subsidiaries. The Corporation adopted the provisions of the ASC 740, Income Taxes, which prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. ASC 740 also provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. As a result of the implementation of ASC 740, the Corporation did not identify any uncertain tax positions that it believes should be recognized in the financial statements. The tax years still subject to examination by taxing authorities are years subsequent to 2008.
Stock Option and Restricted Stock Award Plans	STOCK OPTION AND RESTRICTED STOCK AWARD PLANS are maintained by the Corporation. The compensation costs are recognized for stock options and restricted stock awards issued to employees and directors based on the fair value of these awards at the date of grant. A Black-Scholes model is utilized to estimate the fair value of stock options. The market price of the Corporation’s common stock at the date of grant is used for restricted stock awards. Compensation expense is recognized over the appropriate service period, which is generally two or three years.
Earnings Per Share	EARNINGS PER SHARE have been computed based upon the weighted average common and common equivalent shares outstanding during each year.
Reclassifications	RECLASSIFICATIONS have been made to prior financial statements to conform to the current financial statement presentation. These reclassifications had no effect on net income.

Purchase and Assumption (Tables)

12 Months Ended

Dec. 31, 2012

Business Combinations [Abstract]

Assets and Liabilities of SCB Recorded at Provisional Fair Value

The assets and liabilities of SCB were recorded at the respective acquisition date provisional fair values, and identifiable intangible assets were recorded at provisional fair value.



Assets			Liabilities
Cash and due from banks ⁽¹⁾	$	29,113	Deposits:
Investment securities, available for sale	18,896		Non-interest bearing	$	13,715
Federal Home Loan Bank stock	1,761		NOW accounts	14,746
Loans:			Savings and money market	25,843
Commercial	51,042		Certificate of deposit	71,605
Residential mortgage	11,181		Total Deposits	125,909
Installment	31,570
Total Loans	93,793		Federal Home Loan Bank advances	10,286
			Other liabilities	804
Premises	1,516		Total Liabilities Assumed	$	136,999
Core deposit intangible	484
Other assets	560		Net Gain on Acquisition	$	9,124
Total Assets Purchased	$	146,123


(1)	Includes $17,200,000 cash received from the FDIC.

Acquired Loans Accounted With ASC 310 30



Preliminary estimate of contractually required principal and interest at acquisition	$	31,143
Preliminary estimate of contractual cash flows not expected to be collected (nonaccretable differences)	9,688
Preliminary estimate of expected cash flows at acquisition	21,455
Preliminary estimate of interest component of expected cash flows (accretable discount)	4,152
Preliminary estimate of fair value of acquired loans accounted for under ASC 310-30	$	17,303

Carrying Amount of Loans Included in Balance Sheet Amounts of Loans Receivable

The carrying amount of these loans is included in the balance sheet amounts of loans receivable at December 31, 2012. The amounts are as follows:



	December 31,
	2012
Commercial and industrial loans	$	8,542
Agricultural production financing and other farm loans	1,127
Real estate loans
Construction	58
Commercial and farmland	24,259
Residential	12,118
Home Equity	18,805
Individuals' loans for household and other personal expenditures	691
Total	$	65,600

Accretable Yield Or Income Expected to be Collected

Accretable yield, or income expected to be collected, is as follows:



	Twelve Months Ended December 31, 2012
Beginning balance, February 10, 2012	$	9,774
Accretions	(4,632		)
Ending Balance, December 31, 2012	$	5,142

Investment Securities (Tables)

12 Months Ended

Dec. 31, 2012

Investments, Debt and Equity Securities [Abstract]

Amortized Cost and Approximate Fair Values of Securities

The amortized cost, gross unrealized gains, gross unrealized losses and approximate market value of the investment securities at the dates indicated were:



	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses		Fair Value
Available for sale at December 31, 2012
U.S. Government-sponsored agency securities	$	4,475	$	165			$	4,640
State and municipal	148,187		10,025		$	18	158,194
U.S. Government-sponsored mortgage-backed securities	337,631		10,994		46		348,579
Corporate obligations	6,105				5,881		224
Equity securities	1,706						1,706
Total available for sale	498,104		21,184		5,945		513,343
Held to maturity at December 31, 2012
State and municipal	117,227		5,489		1		122,715
U.S. Government-sponsored mortgage-backed securities	243,793		11,681		15		255,459
Total held to maturity	361,020		17,170		16		378,174
Total Investment Securities	$	859,124	$	38,354	$	5,961	$	891,517

Available for sale at December 31, 2011
U.S. Government-sponsored agency securities	$	99	$	18			$	117
State and municipal	136,857		10,496				147,353
U.S. Government-sponsored mortgage-backed securities	358,928		10,086		$	16	368,998
Corporate obligations	5,765				5,572		193
Equity securities	1,830						1,830
Total available for sale	503,479		20,600		5,588		518,491
Held to maturity at December 31, 2011
State and municipal	120,171		3,785				123,956
U.S. Government-sponsored mortgage-backed securities	307,738		10,775				318,513
Total held to maturity	427,909		14,560				442,469
Total Investment Securities	$	931,388	$	35,160	$	5,588	$	960,960

Debt Securities Credit Loss Recognized in Income, and Other Losses Recorded in Other Comprehensive Income

The following table provides information about debt securities for which only a credit loss was recognized in income and other losses are recorded in other comprehensive income.



	Accumulated Credit Losses in		Accumulated Credit Losses in
	2012		2011
Credit losses on debt securities held:
Balance, January 1	$	11,355	$	10,955
Additions related to other-than-temporary losses not previously recognized			400
Balance, December 31	$	11,355	$	11,355

Investments' Gross Unrealized Losses and Fair Value Aggregated by Investment Category and Length of Time in Continuous Unrealized Loss Position



	Fair Value		Gross Unrealized Losses		Fair Value		Gross Unrealized Losses		Fair Value		Gross Unrealized Losses
	Less than 12 Months				12 Months or Longer				Total
Temporarily Impaired Investment
Securities at December 31, 2012
State and municipal	$	4,524	$	19					$	4,524	$	19
U.S. Government-sponsored mortgage-backed securities	12,320		61						12,320		61
Corporate obligations					$	194	$	5,881	194		5,881
Total Temporarily Impaired Investment Securities	$	16,844	$	80	$	194	$	5,881	$	17,038	$	5,961

Temporarily Impaired Investment
Securities at December 31, 2011
U.S. Government-sponsored mortgage-backed securities	$	6,176	$	16					$	6,176	$	16
Corporate obligations					$	163	$	5,572	163		5,572
Total Temporarily Impaired Investment Securities	$	6,176	$	16	$	163	$	5,572	$	6,339	$	5,588

Amortized Cost and Fair Value of Available for Sale Securities and Held to Maturity Securities by Contractual Maturity

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



	Available for Sale				Held to Maturity
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Maturity Distribution at December 31, 2012
Due in one year or less	$	4,366	$	4,415	$	2,590	$	2,594
Due after one through five years	14,764		15,468		2,554		2,575
Due after five through ten years	54,148		57,442		57,811		60,163
Due after ten years	85,489		85,733		54,272		57,383
	$	158,767	$	163,058	$	117,227	$	122,715
U.S. Government-sponsored mortgage-backed securities	337,631		348,579		243,793		255,459
Equity securities	1,706		1,706
Total Investment Securities	$	498,104	$	513,343	$	361,020	$	378,174

- Definition

Tabular disclosure of the amount of other than temporary impairment (OTTI) related to credit losses recognized in earnings including: (a) the beginning balance of the amount related to credit losses on debt securities held by the investor at the beginning of the period for which a portion of an OTTI was recognized in other comprehensive income; (b) additions for the amount related to the credit loss for which an OTTI was not previously recognized; (c) reductions for securities sold during the period (realized); (d) reductions for securities for which the amount previously recognized in other comprehensive income was recognized in earnings because the investor intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost basis; (e) additional increases to the amount related to the credit loss for which an OTTI was previously recognized when the investor does not intend to sell the security and it is not more likely than not that the investor will be required to sell the security before recovery of its amortized cost basis; (f) reductions for increases in cash flows expected to be collected that are recognized over the remaining life of the security; and (g) the ending balance of the amount related to credit losses on debt securities held by the entity at the end of the period for which a portion of an OTTI was recognized in other comprehensive income.

+ References + Details

Loans and Allowance (Tables)

12 Months Ended

Dec. 31, 2012

Receivables [Abstract]

Composition of Loan Portfolio by Loan Class

The following table shows the composition of the Corporation’s loan portfolio by loan class for the years indicated:



	December 31, 2012			December 31, 2011
Loans:
Commercial and industrial loans	$	622,579		$	532,523
Agricultural production financing and other farm loans	112,527			104,526
Real estate loans:
Construction	98,639			81,780
Commercial and farmland	1,266,682			1,194,230
Residential	473,537			481,493
Home Equity	203,406			191,631
Individual's loans for household and other personal expenditures	75,748			84,172
Lease financing receivables, net of unearned income	2,590			3,555
Other loans	46,501			39,505
Loans	2,902,209			2,713,415
Allowance for loan losses	(69,366		)	(70,898		)
Net Loans	$	2,832,843		$	2,642,517

Changes in Allowance for Loan Losses

The following table summarizes changes in the allowance for loan losses by loan segment for the twelve months ended December 31, 2012, December 31, 2011 and December 31, 2010:



	Twelve Months Ended December 31, 2012
	Commercial			Real Estate Commercial			Consumer			Residential			Finance Leases			Total
Allowance for loan losses:
Balances, January 1	$	17,731		$	37,919		$	2,902		$	12,343		$	3		$	70,898
Provision for losses	14,749			(2,546		)	126			6,176			29			18,534
Recoveries on loans	1,744			3,652			695			1,113			2			7,206
Loans charged off	(8,311		)	(12,322		)	(1,130		)	(5,475		)	(34		)	(27,272		)
Balances, December 31, 2012	$	25,913		$	26,703		$	2,593		$	14,157					$	69,366



	Twelve Months Ended December 31, 2011
	Commercial			Real Estate Commercial			Consumer			Residential			Finance Leases			Total
Allowance for loan losses:
Balances, January 1	$	32,508		$	36,341		$	3,622		$	10,408		$	98		$	82,977
Provision for losses	(13,787		)	28,574			(221		)	8,166			(102		)	22,630
Recoveries on loans	8,828			2,811			942			1,176			7			13,764
Loans charged off	(9,818		)	(29,807		)	(1,441		)	(7,407		)				(48,473		)
Balances, December 31, 2011	$	17,731		$	37,919		$	2,902		$	12,343		$	3		$	70,898



	Twelve Months Ended December 31, 2010
	Commercial			Real Estate Commercial			Consumer			Residential			Finance Leases			Total
Allowance for loan losses:
Balances, January 1	$	48,770		$	30,189		$	2,242		$	10,751		$	179		$	92,131
Provision for losses	(180		)	37,555			2,868			6,267			(27		)	46,483
Recoveries on loans	6,750			1,420			938			2,827						11,935
Loans charged off	(22,832		)	(32,823		)	(2,426		)	(9,437		)	(54		)	(67,572		)
Balances, December 31, 2010	$	32,508		$	36,341		$	3,622		$	10,408		$	98		$	82,977

Allowance for Credit Losses and Loan Portfolio by Loan Segment

The following tables show the Corporation’s allowance for credit losses and loan portfolio by loan segment for the years indicated:



	December 31, 2012
	Commercial		Commercial Real Estate		Consumer		Residential		Finance Leases		Total
Allowance Balances:
Individually evaluated for impairment	$	1,628	$	2,565			$	50			$	4,243
Collectively evaluated for impairment	24,285		24,138		$	2,593	14,107				65,123
Loans Acquired with Deteriorated Credit Quality
Total Allowance for Loan Losses	$	25,913	$	26,703	$	2,593	$	14,157			$	69,366
Loan Balances:
Individually evaluated for impairment	$	14,190	$	45,394			$	8,515			$	68,099
Collectively evaluated for impairment	765,707		1,309,912		$	75,748	667,401		$	2,590	2,821,358
Loans Acquired with Deteriorated Credit Quality	1,710		10,015				1,027				12,752
Loans	$	781,607	$	1,365,321	$	75,748	$	676,943	$	2,590	$	2,902,209



	December 31, 2011
	Commercial		Commercial Real Estate		Consumer		Residential		Finance Leases		Total
Allowance Balances:
Individually evaluated for impairment	$	4,701	$	2,504			$	733			$	7,938
Collectively evaluated for impairment	13,030		35,415		$	2,902	11,610		$	3	62,960
Total Allowance for Loan Losses	$	17,731	$	37,919	$	2,902	$	12,343	$	3	$	70,898
Loan Balances:
Individually evaluated for impairment	$	18,793	$	51,980			$	12,546			$	83,319
Collectively evaluated for impairment	657,761		1,224,030		$	84,172	660,578		$	3,555	2,630,096
Loans	$	676,554	$	1,276,010	$	84,172	$	673,124	$	3,555	$	2,713,415

Summary of Non-Accrual Loans by Loan class

The following table summarizes the Corporation’s non-accrual loans by loan class for the years indicated:



	December 31, 2012		December 31, 2011
Commercial and Industrial	$	12,195	$	12,246
Real Estate Loans:
Construction	4,814		8,990
Commercial and farmland	22,612		31,093
Residential	11,476		14,805
Home Equity	1,997		1,896
Individuals loans for household and other personal expenditures			1
Lease financing receivables, net of unearned income	301
Other Loans	4		561
Total	$	53,399	$	69,592

Composition of Impaired Loans by Loan Class

The following tables show the composition of only the Corporation’s commercial impaired loans by loan class for the years indicated:



	December 31, 2012
	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance:
Commercial and industrial	$	28,532	$	11,730			$	15,089	$	124
Real Estate Loans:
Construction	9,787		5,164				6,471		66
Commercial and farmland	58,173		43,204				46,788		1,211
Residential	8,820		6,215				7,129		83
Home equity	4,199		1,006				1,022		13
Other loans	83		14				18		1
Total	$	109,594	$	67,333			$	76,517	$	1,498
Impaired loans with related allowance:
Commercial and industrial	$	4,415	$	4,155	$	1,628	$	4,225	$	33
Real Estate Loans:
Construction	1,202		1,058		105		1,175
Commercial and farmland	5,579		5,182		2,460		5,239		95
Residential	1,722		1,451		50		1,458		75
Total	$	12,918	$	11,846	$	4,243	$	12,097	$	203
Total Impaired Loans	$	122,512	$	79,179	$	4,243	$	88,614	$	1,701



	December 31, 2011
	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
Impaired loans with no related allowance:
Commercial and industrial	$	23,364	$	10,116			$	13,399	$	615
Real Estate Loans:
Construction	14,301		7,701				8,836
Commercial and farmland	49,242		34,571				39,032		591
Residential	7,491		6,185				6,539		20
Home equity	4,425		1,241				1,500		15
Other loans	99		21				24
Total	$	98,922	$	59,835			$	69,330	$	1,241
Impaired loans with related allowance:
Commercial and industrial	$	8,691	$	8,104	$	4,142	$	8,196	$	174
Real Estate Loans:
Construction	961		961		321		961
Commercial and farmland	12,115		8,748		2,183		10,028		140
Residential	1,888		1,575		391		1,687		7
Other loans	579		552		559		590
Total	$	24,234	$	19,940	$	7,596	$	21,462	$	321
Total Impaired Loans	$	123,156	$	79,775	$	7,596	$	90,792	$	1,562



	December 31, 2010
	Unpaid Principal Balance		Recorded Investment		Related Allowance
Impaired loans with no related allowance:
Commercial and industrial	$	30,006	$	16,572
other loans to farmers	966		530
Real Estate Loans:
Construction	12,598		9,150
Commercial and farm land	64,064		43,653
Residential	7,909		5,153
Home equity	4,460		1,245
Other loans	101		14
Total	$	120,104	$	76,317

Impaired loans with related allowance:
Commercial and industrial	$	11,477	$	11,374	$	5,250
Real Estate Loans:
Construction	9,353		7,824		2,049
Commercial and farm land	17,984		17,076		5,496
Residential	2,740		2,691		465
Home equity	458		446		178
Other loans	476		476		476
Total	$	42,488	$	39,887	$	13,914
Total Impaired Loans	$	162,592	$	116,204	$	13,914

Credit Quality of Loan Portfolio by Loan Class



	December 31, 2012
	Commercial Pass		Commercial Special Mention		Commercial Substandard		Commercial Doubtful		Commercial Loss	Consumer Performing		Consumer Non Performing		Total
Commercial and Industrial	$	559,852	$	23,678	$	34,460	$	4,589						$	622,579
Agriculture production financing and other farm loans	112,209		224		94									112,527
Real Estate Loans:
Construction	85,728		1,384		11,356							171		98,639
Commercial and farmland	1,148,561		38,199		79,078		553					291		1,266,682
Residential	145,402		5,437		13,880		922			301,614		6,282		473,537
Home Equity	9,092		893		1,657					189,721		2,043		203,406
Individuals loans for household and other personal expenditures										75,748				75,748
Lease financing receivables, net of unearned income										2,289		301		2,590
Other Loans	46,473				28									46,501
Loans	$	2,107,317	$	69,815	$	140,553	$	6,064		$	569,372	$	9,088	$	2,902,209



	December 31, 2011
	Commercial Pass		Commercial Special Mention		Commercial Substandard		Commercial Doubtful		Commercial Loss	Consumer Performing		Consumer Non Performing		Total
Commercial and Industrial	$	478,885	$	22,405	$	28,025	$	3,208						$	532,523
Agriculture production financing and other farm loans	101,289		1,582		1,655									104,526
Real Estate Loans:
Construction	47,611		3,672		22,376					$	7,762	$	359	81,780
Commercial and farmland	1,033,397		54,697		103,330		1,724			1,035		47		1,194,230
Residential	139,237		9,175		16,699		500			308,306		7,576		481,493
Home Equity	15,912		499		3,317					170,776		1,127		191,631
Individuals loans for household and other personal expenditures										84,121		51		84,172
Lease financing receivables, net of unearned income										3,555				3,555
Other Loans	38,917		15		21		552							39,505
Loans	$	1,855,248	$	92,045	$	175,423	$	5,984		$	575,555	$	9,160	$	2,713,415

Past Due Aging of Loan Portfolio by Loan Class

The following tables show a past due aging of the Corporation’s loan portfolio, by loan class, for the years indicated:



	December 31, 2012
	Current		30-59 Days Past Due		60-89 Days Past Due		Loans > 90 Days And Accruing		Non-Accrual		Total Past Due & Non-Accrual		Total
Commercial and industrial	$	607,442	$	2,628	$	144	$	170	$	12,195	$	15,137	$	622,579
Agriculture production financing and other farm loans	112,527												112,527
Real Estate Loans:
Construction	93,426		399						4,814		5,213		98,639
Commercial and farmland	1,238,907		3,276		1,822		65		22,612		27,775		1,266,682
Residential	453,743		5,734		1,338		1,246		11,476		19,794		473,537
Home equity	199,063		1,467		323		556		1,997		4,343		203,406
Individuals loans for household and other personal expenditures	74,919		799		30						829		75,748
Lease financing receivables, net of unearned income	2,289								301		301		2,590
Other loans	46,497								4		4		46,501
Loans	$	2,828,813	$	14,303	$	3,657	$	2,037	$	53,399	$	73,396	$	2,902,209



	December 31, 2011
	Current		30-59 Days Past Due		60-89 Days Past Due		Loans > 90 Days And Accruing		Non-Accrual		Total Past Due & Non-Accrual		Total
Commercial and industrial	$	518,764	$	1,332	$	135	$	46	$	12,246	$	13,759	$	532,523
Agriculture production financing and other farm loans	104,464		62								62		104,526
Real Estate Loans:
Construction	69,305		328		3,126		31		8,990		12,475		81,780
Commercial and farmland	1,140,897		16,457		5,783				31,093		53,333		1,194,230
Residential	458,925		5,485		2,087		191		14,805		22,568		481,493
Home equity	187,788		1,096		590		261		1,896		3,843		191,631
Individuals loans for household and other personal expenditures	82,837		1,075		208		51		1		1,335		84,172
Lease financing receivables, net of unearned income	3,555												3,555
Other loans	38,944								561		561		39,505
Loans	$	2,605,479	$	25,835	$	11,929	$	580	$	69,592	$	107,936	$	2,713,415

Summary of Troubled Debt Restructurings

The following tables summarize troubled debt restructurings that occurred during the periods ended December 31, 2012 and December 31, 2011:



	December 31, 2012
	Pre-Modification Recorded Balance		Post-Modification Recorded Balance		Number of Loans
Commercial and Industrial	$	1,562	$	1,547	9
Real Estate Loans:
Construction	794		653		2
Commercial and farmland	10,366		10,154		14
Residential	2,302		2,172		20
Individuals loans for household and other personal expenditures	170		197		5
Total	$	15,194	$	14,723	50



	December 31, 2011
	Pre-Modification Recorded Balance		Post-Modification Recorded Balance		Number of Loans
Commercial and Industrial	$	4,023	$	4,033	17
Real Estate Loans:
Construction	791		726		5
Commercial and farmland	17,297		15,260		19
Residential	6,892		7,076		52
Individuals loans for household and other personal expenditures	90		94		9
Other Loans	12		12		1
Total	$	29,105	$	27,201	103

Schedule of Troubled Debt Restructurings by Modification Type

The following tables show the recorded investment of troubled debt restructurings, by modification type, that occurred during the years indicated:



	December 31, 2012
	Term Modification		Rate Modification		Combination		Total Modification
Commercial and Industrial	$	259			$	1,029	$	1,288
Real Estate Loans:
Construction					625		625
Commercial and farmland	6,668		$	903	381		7,952
Residential	525		380		995		1,900
Individuals loans for household and other personal expenditures			7		183		190
Total	$	7,452	$	1,290	$	3,213	$	11,955



	December 31, 2011
	Term Modification		Rate Modification		Combination		Total Modification
Commercial and Industrial	$	3,816			$	118	$	3,934
Real Estate Loans:
Construction	581		$	125	17		723
Commercial and farmland	10,338		954		2,810		14,102
Residential	5,610		99		1,022		6,731
Home Equity	55				34		89
Other Loans	12						12
Total	$	20,412	$	1,178	$	4,001	$	25,591

Summary of Troubled Debt Restructurings and Subsequent Defaults

The following tables summarize troubled debt restructures that occurred during the twelve months ended December 31, 2012 and December 31, 2011, that subsequently defaulted during those periods:



	Twelve Months Ended December 31, 2012
	Number of Loans	Recorded Balance
Commercial and Industrial	1	$	23
Real Estate Loans:
Commercial and farmland	2	212
Residential	4	385
Total	7	$	620



	Twelve Months Ended December 31, 2011
	Number of Loans	Recorded Balance
Commercial and Industrial	3	$	471
Real Estate Loans:
Commercial and farmland	3	1,951
Residential	7	557
Individuals loans for household and other personal expenditures	1	5
Total	14	$	2,984

Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2012

Property, Plant and Equipment [Abstract]

Schedule of Premises and Equipment

The following table summarizes the Corporation's premises and equipment as of December 31, 2012 and 2011:



	2012			2011
Cost at December 31:
Land	$	14,692		$	14,296
Buildings and Leasehold Improvements	62,606			62,317
Equipment	42,564			39,789
Total Cost	119,862			116,402
Accumulated Depreciation and Amortization	(67,113		)	(65,389		)
Net	$	52,749		$	51,013

Schedule of Future Minimum Rental Payments for Operating Leases

The future minimum rental commitments required under the operating leases in effect at December 31, 2012, expiring at various dates through the year 2027 are as follows for the years ending December 31:



	Future Minimum Rental Commitments
2013	$	2,284
2014	2,025
2015	1,852
2016	1,441
2017	865
After 2017	1,428
Total Future Minimum Obligations	$	9,895

Core Deposit and Other Intangibles (Tables)

12 Months Ended

Dec. 31, 2012

Intangible Assets, Net (Excluding Goodwill) [Abstract]

Schedule of Core Deposit and Other Intangibles

The carrying basis and accumulated amortization of recognized core deposit and other intangibles are noted below.



	2012			2011
Gross carrying amount	$	45,422		$	45,422
Core deposit intangible and other intangibles acquired	967
Accumulated amortization	(38,235		)	(36,308		)
Core Deposit and Other Intangibles	$	8,154		$	9,114

Schedule of Estimated Amortization Expense

Estimated amortization expense for each of the following five years is:



	Amortization Expense
2013	$	1,536
2014	1,531
2015	1,530
2016	1,490
2017	1,429
After 2017	638
Total Future Minimum Obligations	$	8,154

Deposits (Tables)

12 Months Ended

Dec. 31, 2012

Banking and Thrift [Abstract]

Schedule Of Deposits

The composition of the deposit portfolio is included in the table below for the years indicated:



	December 31, 2012		December 31, 2011
Demand Deposits	$	1,646,756	$	1,438,513
Savings Deposits	831,952		757,166
Certificates and Other Time Deposits of $100,000 or more	236,470		264,787
Other Certificates and Time Deposits	502,927		551,247
Brokered Deposits	128,278		122,942
Total Deposits	$	3,346,383	$	3,134,655

Schedule of Deposit Contractual Maturities, Excluding Demsand and Savings

At December 31, 2012, the contractual maturities of time deposits are summarized as follows:



	Certificates and Other Time Deposits
2013	$	539,426
2014	163,982
2015	54,995
2016	61,048
2017	28,138
After 2017	20,086
	$	867,675

Borrowings (Tables)

12 Months Ended

Dec. 31, 2012

Debt Disclosure [Abstract]

Schedule of Debt

The following table summarizes the Corporation's borrowings as of December 31, 2012 and 2011:



	December 31, 2012		December 31, 2011
Federal Funds Purchased	$	18,862
Securities Sold Under Repurchase Agreements	141,828		$	156,305
Federal Home Loan Bank Advances	94,238		138,095
Subordinated Debentures and Term Loans	112,161		194,974
Total Borrowings	$	367,089	$	489,374

Schedule of Maturities of Long-term Debt

Maturities of securities sold under repurchase agreements; Federal Home Loan Bank Advances, subordinated debentures and term loans as of December 31, 2012, are as follows:



Maturities in Years Ending December 31:	Securities Sold Under Repurchase Agreements		Federal Home Loan Bank Advances		Subordinated Debentures and Term Loans
2013	$	131,828	$	1,619	$	459
2014	10,000		26,506
2015			30,986		55,000
2016			28,933
2017			2,731
After 2017			3,463		56,702
	$	141,828	$	94,238	$	112,161

Derivative Financial Instruments (Tables)

12 Months Ended

Dec. 31, 2012

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Fair Value of Derivative Financial Instruments and Their Classification on Balance Sheet

The table below presents the fair value of the Corporation’s derivative financial instruments as well as their classification on the Balance Sheet as of December 31, 2012 and December 31, 2011.

Asset Derivatives

Liability Derivatives

December 31, 2012

December 31, 2011

December 31, 2012

December 31, 2011

Balance Sheet Location

Fair
Value

Balance Sheet Location

Fair
Value

Balance Sheet Location

Fair
Value

Balance Sheet Location

Fair
Value

Derivatives designated as hedging instruments:

Interest rate contracts

Other Assets

197

Other Assets

424

Other Liabilities

3,332

Other Liabilities

2,305

Derivatives not designated as hedging instruments:

Interest rate contracts

Other Assets

6,103

Other Assets

5,241

Other Liabilities

6,434

Other Liabilities

5,492

Effect of Derivative Financial Instruments on Income Statement

The tables below present the effect of the Corporation’s derivative financial instruments on the Income Statement for the years ended December 31, 2012 and 2011.



Derivatives Not Designated as Hedging Instruments under FASB ASC 815-10	Location of Gain (Loss) Recognized in Income on Derivative	Amount of Gain (Loss) Recognized in Income on Derivative for the Year Ended December 31, 2012	Amount of Gain (Loss) Recognized in Income on Derivative for the Year Ended December 31, 2011
Interest Rate Contracts	Other income	$(79)	$(94)



Derivatives in Cash Flow Hedging Relationships	Amount of Loss Recognized in Other Comprehensive Income on Derivative (Effective Portion) For the Year Ended		Location of Loss Reclassified from Accumulated Other Comprehensive Income (Effective Portion)	Amount of Loss Reclassified from Other Comprehensive Income into Income (Effective Portion) For the Year Ended
Derivatives in Cash Flow Hedging Relationships	2012	2011		2012	2011
Interest Rate Products	$(1,466)	$(3,274)	Interest Expense	$(217)

- Definition

Tabular disclosure of the location and amount of gains and losses reported in the statement of financial performance, or when applicable, the statement of financial position. For example, (a) gains and losses recognized in the income statement on derivative instruments designated and qualifying as hedging instruments in fair value hedges and related hedged items designated and qualifying in fair value hedges and (b) gains and losses initially recognized in other comprehensive income on derivative instruments designated and qualifying as cash flow hedges.

+ References + Details

Fair Value of Financial Instruments (Tables)

12 Months Ended

Dec. 31, 2012

Fair Value Disclosures [Abstract]

Fair Value Measurements of Assets and Liabilities Recognized in Consolidated Condensed Balance Sheets Measured at Fair Value



			Fair Value Measurements Using:
			Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs		Significant Unobservable Inputs
December 31, 2012	Fair Value		(Level 1)	(Level 2)		(Level 3)
U.S. Government-sponsored agency securities	$	4,640		$	4,640
State and municipal	158,194			140,094		$	18,100
U.S. Government-sponsored mortgage-backed securities	348,579			348,579
Corporate obligations	224					224
Equity securities	1,706			1,702		4
Interest rate swap asset	6,103			6,103
Interest rate cap	197			197
Interest rate swap liability	9,766			9,766



			Fair Value Measurements Using:
			Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs		Significant Unobservable Inputs
December 31, 2011	Fair Value		(Level 1)	(Level 2)		(Level 3)
U.S. Government-sponsored agency securities	$	117		$	117
State and municipal	147,353			126,712		$	20,641
U.S. Government-sponsored mortgage-backed securities	368,998			368,998
Corporate obligations	193					193
Equity securities	1,830			1,826		4
Interest rate swap asset	5,241					5,241
Interest rate cap	424					424
Interest rate swap liability	7,797					7,797

Reconciliation of Beginning and Ending Balances of Recurring Fair Value Measurements Recognized in Consolidated Condensed Balance Sheets using Significant Unobservable Level 3 Inputs



	Year Ended December 31, 2012
	Available for Sale Securities			Interest Rate Swap Asset			Interest Rate Cap			Interest Rate Swap Liability
Beginning Balance	$	20,838		$	5,241		$	424		$	7,797
Total realized and unrealized gains and losses
Included in net income				(860		)				(863		)
Included in other comprehensive income	(1,141		)	481			(15		)
Purchases, issuances, and settlements
Transfers in/(out) of Level 3				(4,862		)	(409		)	(6,934		)
Principal payments	(1,369		)
Ending balance	$	18,328



	Year Ended December 31, 2011
	Available for Sale Securities			Interest Rate Swap Asset			Interest Rate Cap			Interest Rate Swap Liability
Beginning Balance	$	186		$	4,002		$	1,109		$	3,876
Total realized and unrealized gains and losses
Included in net income	(400		)	3,827						3,921
Included in other comprehensive income	2,029			(2,588		)	(685		)
Purchases, issuances, and settlements
Transfers in/(out) of Level 3	18,711
Principal payments	312
Ending balance	$	20,838		$	5,241		$	424		$	7,797

Transfer Between Levels 1, 2 and 3 and Reasons For Transfers

TRANSFERS BETWEEN LEVELS



	Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs		Significant Unobservable Inputs
	(Level 1)	(Level 2)		(Level 3)			Reason for Transfer
Transfers to/(from) Level:							The interest rate swap and cap instruments were transferred from Level 3 to Level 2 as of March 31, 2012 due to the availability of additional valuation information. These instruments are valued using widely accepted valuation techniques including discounted cash flow analysis using observable inputs such as contractual terms and LIBOR-based rate curves.
Interest rate swap asset		$	4,862	$	(4,862	)
Interest rate cap		409		(409		)
Interest rate swap liability		6,934		(6,934		)

Description of Valuation Methodologies Used for Instruments Measured at Fair Value on a Non-Recurring Basis and Recognized in Consolidated Condensed Balance Sheets



			Fair Value Measurements Using
			Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs	Significant Unobservable Inputs
December 31, 2012	Fair Value		(Level 1)	(Level 2)	(Level 3)
Impaired Loans (collateral dependent)	$	17,703			$	17,703
Other real estate owned	$	7,684			$	7,684



			Fair Value Measurements Using
			Quoted Prices in Active Markets for Identical Assets	Significant Other Observable Inputs	Significant Unobservable Inputs
December 31, 2011	Fair Value		(Level 1)	(Level 2)	(Level 3)
Impaired Loans (collateral dependent)	$	22,885			$	22,885
Other real estate owned	$	7,882			$	7,882

Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements Other Than Goodwill

The following table presents quantitative information about unobservable inputs used in recurring and nonrecurring Level 3 fair value measurements, other than goodwill, at December 31, 2012



	Fair Value		Valuation Technique	Unobservable Inputs	Range
State and municipal securities	$	18,100	Discounted cash flow	Maturity Call Date Blend of US Muni BQ curve Discount rate	1 month to 11 years A- to BBB- 1% - 4%

Corporate obligations/Equity securities	$	228	Discounted cash flow	Risk free rate plus Premium for illiquidity	3 month LIBOR plus 200 bps

Impaired loans (collateral dependent)	$	17,703	Collateral based measurements	Discount to reflect current market conditions and ultimate collectability	0% - 50%

Other real estate owned	$	7,684	Appraisals	Discount to reflect current market conditions	0% - 20%

Estimated Fair Values of Financial Instruments



	2012
	Carrying Amount		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Assets at December 31:
Cash and cash equivalents	$	101,460	$	101,460
Interest-bearing time deposits	38,443		38,443
Investment securities available for sale	513,343				$	495,015	$	18,328
Investment securities held to maturity	361,020				366,590		11,584
Mortgage loans held for sale	22,300				22,300
Loans	2,832,843						2,852,614
FRB and FHLB stock	32,785				32,785
Interest rate swap asset	6,300				6,300
Interest receivable	16,367				16,367
Liabilities at December 31:
Deposits	$	3,346,383	$	2,478,706	$	865,793
Borrowings:
Federal funds purchased	18,862				18,862
Securities sold under repurchase agreements	141,828				142,318
FHLB Advances	94,238				97,357
Subordinated debentures and term loans	112,161				62,133
Interest rate swap liability	9,766				9,766
Interest payable	1,841				1,841



	2011
	Carrying Amount		Quoted Prices in Active Markets for Identical Assets (Level 1)		Significant Other Observable Inputs (Level 2)		Significant Unobservable Inputs (Level 3)
Assets at December 31:
Cash and cash equivalents	$	73,312	$	73,312
Interest-bearing time deposits	52,851		52,851
Investment securities available for sale	518,491				$	497,653	$	20,838
Investment securities held to maturity	427,909				428,737		13,732
Mortgage loans held for sale	17,864				17,864
Loans	2,642,517						2,658,227
FRB and FHLB stock	31,270				31,270
Interest rate swap asset	5,665						5,665
Interest receivable	17,723				17,723
Liabilities at December 31:
Deposits	$	3,134,655	$	2,195,679	$	944,078
Borrowings:
Securities sold under repurchase agreements	156,305				157,342
FHLB Advances	138,095				141,693
Subordinated debentures and term loans	194,974				142,632
Interest rate swap liability	7,797						7,797
Interest payable	2,925				2,925

- 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 Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13476-108611

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=7578670&loc=d3e19207-110258

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13467-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
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-SubTopic 10
-Section 50
-Paragraph 30
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13433-108611

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 19
-Subparagraph a, b, c(1), d(1)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 14
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 15
-Subparagraph b-d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 18
-Subparagraph c(2), d, e, f
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32
-Subparagraph a, c(1), c(2), c(3), d
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 12: 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.

+ Details

Committments and Contingent Liabilities (Tables)

12 Months Ended

Dec. 31, 2012

Commitments and Contingencies Disclosure [Abstract]

Schedule of Fair Value, Off-balance Sheet Risks

Financial instruments, whose contract amount represents credit risk as of December 31, were as follows:



	2012		2011
Amounts of commitments:
Loan commitments to extend credit	$	873,455	$	619,901
Standby letters of credit	$	21,734	$	28,665

- Definition

Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13467-108611

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=7491637&loc=d3e13433-108611

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 3
-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 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 157
-Paragraph 32
-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 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 159
-Paragraph 7
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 107
-Paragraph 7, 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.

+ Details

Regulatory Capital (Tables)

12 Months Ended

Dec. 31, 2012

Banking and Thrift [Abstract]

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

Actual and required capital amounts and ratios are listed below.



	2012								2011
					Required For								Required For
	Actual				Adequate Capital				Actual				Adequate Capital
December 31,	Amount		Ratio		Amount		Ratio		Amount		Ratio		Amount		Ratio
Total Capital (to Risk-weighted Assets)
First Merchants Corporation	$	526,792	16.34	%	$	257,927	8.00	%	$	487,393	16.54	%	$	235,781	8.00	%
First Merchants Bank	515,337		16.01		257,446		8.00		477,805		16.26		235,089		8.00
Tier I Capital (to Risk-weighted Assets)
First Merchants Corporation	$	456,132	14.15	%	$	128,964	4.00	%	$	410,132	13.92	%	$	117,890	4.00	%
First Merchants Bank	474,782		14.75		128,723		4.00		440,909		15.00		117,545		4.00
Tier I Capital (to Average Assets)
First Merchants Corporation	$	456,132	11.03	%	$	165,460	4.00	%	$	410,132	10.17	%	$	161,350	4.00	%
First Merchants Bank	474,782		11.50		165,124		4.00		440,909		10.96		160,848		4.00

Share-Based Compensation (Tables)

12 Months Ended

Dec. 31, 2012

Disclosure of Compensation Related Costs, Share-based Payments [Abstract]

Assumptions Used In 2012 Black Scholes Model



	2012			2011			2010
Risk-free interest rate	1.36	%		2.74	%		2.38	%
Expected price volatility	46.22	%		45.43	%		43.54	%
Dividend yield	3.29	%		3.65	%		4.02	%
Forfeiture rate	4.77	%		5.00	%		5.00	%
Weighted-average expected life, until exercise	7.20		years	6.91		years	6.68		years

Components of Share Based Compensation Awards

The following table summarizes the components of the Corporation's share-based compensation awards recorded as expense:



	Year Ended December 31,			Year Ended December 31,			Year Ended December 31,
	2012			2011			2010
Stock and ESPP Options
Pre-tax compensation expense	$	284		$	237		$	632
Income tax benefit	(23		)	(21		)	(71		)
Stock and ESPP option expense, net of income taxes	$	261		$	216		$	561
Restricted Stock Awards
Pre-tax compensation expense	$	1,208		$	1,078		$	1,118
Income tax benefit	(428		)	(371		)	(391		)
Restricted stock awards expense, net of income taxes	$	780		$	707		$	727
Total Share-Based Compensation:
Pre-tax compensation expense	$	1,492		$	1,315		$	1,750
Income tax benefit	(451		)	(392		)	(462		)
Total share-based compensation expense, net of income taxes	$	1,041		$	923		$	1,288

Stock Option Activity Under Stock Option Plans

Stock option activity under the Corporation's stock option plans, as of December 31, 2012, and changes during the year ended December 31, 2012, were as follows:



	Number of Shares		Weighted-Average Exercise Price		Weighted Average Remaining Contractual Term (in Years)	Aggregate Intrinsic Value
Outstanding at January 1, 2012	1,035,871		$	22.57
Granted	46,801		$	11.69
Exercised	(10,500	)	$	7.39
Cancelled	(165,536	)	$	25.87
Outstanding December 31, 2012	906,636		$	21.58	4.08	1,046,301
Vested and Expected to Vest at December 31, 2012	906,636		$	21.58	4.08	1,046,301
Exercisable at December 31, 2012	838,586		$	22.61	3.63	721,758

Unvested RSAs Outstanding

The following table summarizes information on unvested RSAs outstanding as of December 31, 2012:



	Number of Shares		Weighted-Average Grant Date Fair Value
Unvested RSAs at January 1, 2012	338,087		$	8.65
Granted	160,089		$	11.86
Forfeited	(86,326	)	$	11.41
Vested	(10,475	)	$	9.36
Unvested RSAs at December 31, 2012	401,375		$	9.29

- Definition

Tabular disclosure of the allocation of equity-based compensation costs to a given line item on the balance sheet and income statement for the period. This may include the reporting line for the costs and the amount capitalized and expensed.

+ References + Details

Pension and Other Post Retirement Benefit Plans (Tables)

12 Months Ended

Dec. 31, 2012

Compensation and Retirement Disclosure [Abstract]

Schedule of Changes in Benefit Obligation, Changes in Plan Assets and the Funded Status of the Pension Plan and Other Post Retirement Benefit Plans

The table below sets forth the plans’ funded status and amounts recognized in the consolidated balance sheet at December 31, using measurement dates of December 31, 2012 and December 31, 2011.



	2012			2011
Change in benefit obligation
Benefit obligation at beginning of year	$	68,769		$	61,422
Service Cost	161			252
Interest Cost	2,990			3,208
Actuarial Loss (Gain)	3,168			7,346
Benefits paid	(5,922		)	(3,459		)
Benefit obligation at end of year	69,166			68,769
Change in plan assets
Fair value of plan assets at beginning of year	62,078			63,275
Actual return on plan assets	6,141			1,726
Employer contributions	568			536
Benefits Paid	(5,922		)	(3,459		)
End of Year	62,865			62,078
Funded Status at End of Year	$	(6,301	)	$	(6,691	)
Assets and Liabilities Recognized in the Balance Sheets:
Deferred Tax Asset	$	9,200		$	10,928
Liabilities	$	6,301		$	6,691
Amounts Recognized in Accumulated Other Comprehensive Income Not Yet Recognized as Components of Net Periodic Benefit Cost Consist of:
Accumulated Loss	$	(17,085	)	$	(16,310	)
Prior Service Credit	(41		)	(56		)
	$	(17,126	)	$	(16,366	)

Schedule of Accumulated Benefit Obligations in Excess of Fair Value of Plan Assets

Information for for pension plans with an accumulated benefit obligation in excess of plan assets is included in the table below.



	December 31, 2012		December 31, 2011
Projected Benefit Obligation	$	69,166	$	68,769
Accumulated Benefit Obligation	$	69,139	$	68,729
Fair Value of Plan Assets	$	62,865	$	62,078

Schedule of Net Periodic Pension Costs

The following table shows the components of net periodic pension costs:



	December 31, 2012			December 31, 2011
Service Cost	$	161		$	252
Interest Cost	2,990			3,208
Expected Return on Plan Assets	(4,216		)	(4,313		)
Amortization of Prior Service Costs	25			25
Amortization of Net Loss	2,207			1,129
Net Periodic Pension Cost	$	1,167		$	301

Schedule of Plan Assets and Benefit Obligations Recognized in Other Comprehensive Income, Net of Tax

Other changes in plan assets and benefit obligations recognized in other comprehensive income:



	December 31, 2012			December 31, 2011
Net Periodic Pension Cost	$	1,167		$	301
Net gain (loss)	1,242			9,933
Actuarial gain (loss)	(2,207		)	(1,129		)
Amortization of prior service (cost) credit	(25		)	(25		)
Total Recognized in Other Comprehensive Income	(990		)	8,779
Total Recognized in NPPC and OCI	$	177		$	9,080

Schedule of Amounts in Accumulated Other Comprehensive Income (Loss) to be Recognized over Next Fiscal Year



	December 31, 2012			December 31, 2011
Amortization of Net Loss	$	(2,158	)	$	(2,319	)
Amortization of Prior Service Cost	(25		)	(25		)
Total	$	(2,183	)	$	(2,344	)

Schedule of Assumptions Used

Significant assumptions include:



	December 31, 2012		December 31, 2011
Weighted-average Assumptions Used to Determine Benefit Obligation:
Discount Rate	4.00	%	4.50	%
Rate of Compensation Increase for accruing active participants	3.00	%	4.00	%
Weighted-average Assumptions Used to Determine Benefit Cost:
Discount Rate	4.50	%	5.40	%
Expected Return on Plan Assets	7.00	%	7.00	%
Rate of Compensation Increase for accruing active participants	4.00	%	4.00	%

Schedule of Expected Benefit Payments

The minimum contribution required in 2013 will likely be zero but the Corporation may decide to make a discretionary contribution during the year.



2013	$	3,984
2014	4,110
2015	4,236
2016	4,219
2017	4,201
After 2017	21,414
	$	42,164

Schedule of Allocation of Plan Assets

Plan assets are re-balanced quarterly. At December 31, 2012 and 2011, plan assets by category are as follows:



	December 31, 2012				December 31, 2011
	Actual		Target		Actual		Target
Cash and cash equivalents	1.3	%	3.0	%	3.2	%	3.0	%
Equity securities	53.7		51.0		49.7		51.0
Debt securities	43.0		44.0		45.5		44.0
Alternative investments	2.0		2.0		1.6		2.0
	100.0	%	100.0	%	100.0	%	100.0	%

There are no assets classified within Level 3 of the hierarchy at December 31, 2012.



			Fair Value Measurements Using
			Quoted Prices in Active Markets for Identical Assets		Significant Other Observable Inputs		Significant Unobservable Inputs
December 31, 2012	Fair Value		(Level 1)		(Level 2)		(Level 3)
Cash & Cash Equivalents	$	795	$	795
Corporate Bonds and Notes	6,157		6,157
Government Agency and Municipal Bonds and Notes	8,642				$	8,642
Certificates of Deposit	357				357
Preferred Stock	52		52
Party-in-Interest Investments
Common Stock	898		898
Common Bond Fund	4,075				4,075
Common Equity Fund	4,495				4,495
Mutual Funds
Taxable Bond	7,409		7,409
Large Cap Equity	16,166		16,166
Mid Cap Equity	6,772		6,772
Small Cap Equity	2,640		2,640
International Equity	3,178		3,178
Specialty Alternative Equity	1,229		1,229

- 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 Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=21915506&loc=d3e2439-114920

Reference 2: 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=21915506&loc=d3e2417-114920

Reference 3: 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=21915506&loc=d3e2410-114920

Reference 4: 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=21915506&loc=d3e1928-114920

Reference 5: 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=21916443&loc=d3e4179-114921

Reference 6: 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 7: 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 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

Income Tax (Tables)

12 Months Ended

Dec. 31, 2012

Income Tax Disclosure [Abstract]

Income tax

The reconciliation between the statutory and actual income tax expense (benefit) is summarized in the following table for the years indicated:



	2012			2011			2010
Income Tax Expense (Benefit) for the Year Ended December 31:
Currently Payable:
Federal	$	(23	)	$	399		$	(1,780	)
State
Deferred:
Federal	15,890			8,256			(1,810		)
State
Total Income Tax Expense (Benefit)	$	15,867		$	8,655		$	(3,590	)
Reconciliation of Federal Statutory to Actual Tax Expense (Benefit):
Federal Statutory Income Tax at 35%	$	21,347		$	11,867		$	1,162
Tax-exempt Interest Income	(3,716		)	(3,714		)	(3,733		)
Non-deductible Interest Expense				649			421
Stock Compensation	76			69			150
Earnings on Life Insurance	(1,187		)	(899		)	(725		)
Tax Credits	(73		)	(99		)	(116		)
Other	(580		)	782			(749		)
Actual Tax Expense (Benefit)	$	15,867		$	8,655		$	(3,590	)

Deferred Tax Assets and Liabilities

The tax effects of temporary differences related to deferred taxes shown on the balance sheets were:



	2012			2011
Deferred Tax Asset at December 31:
Assets:
Differences in Accounting for Loan Losses	$	28,788		$	29,690
Differences in Accounting for Loan Fees	941			805
Differences in Accounting for Loans and Securities	477
Deferred Compensation	7,181			7,612
Difference in Accounting for Pensions and Other Employee Benefits	1,953			3,750
Federal & State Income Tax Loss Carryforward and Credits	9,356			12,416
Other	9,356			8,796
Total Assets	58,052			63,069
Liabilities:
Differences in Depreciation Methods	6,050			5,859
Differences in Accounting for Loans and Securities				42
State Income Tax	354			354
Net Unrealized Gain on Securities Available for Sale	7,879			8,118
Gain on FDIC Modified Whole Bank Transaction	2,737
Other	1,051			1,137
Total Liabilities	18,071			15,510
Net Deferred Tax Asset Before Valuation Allowance	39,981			47,559
Valuation allowance:
Beginning Balance	(15,701		)	(13,258		)
Decrease/(Increase) During the Year	1,842			(2,443		)
Ending Balance	(13,859		)	(15,701		)
Net Deferred Tax Asset	$	26,122		$	31,858

Net Income Per Share (Tables)

12 Months Ended

Dec. 31, 2012

Earnings Per Share [Abstract]

Net Income Per Share

The following table reconciles basic and diluted net income per share for the years indicated:



	2012						2011						2010
	Net Income			Weighted-Average Shares	Per Share Amount		Net Income			Weighted-Average Shares	Per Share Amount		Net Income (Loss)			Weighted-Average Shares	Per Share Amount
Basic net income per share:	$	45,122					$	25,252					$	6,909
Gain on exchange of preferred stock for trust preferred securities													11,353
Loss on CPP unamortized discount							(1,401		)				(1,301		)
Loss on extinguishment of trust preferred securities							(10,857		)
Preferred stock dividends	(4,539		)				(3,981		)				(5,239		)
Net income available to common stockholders	40,583			28,632,915	$	1.42	9,013			26,550,043	$	0.34	11,722			24,519,033	$	0.48
Effect of dilutive stock options and warrants				213,769						143,805						123,392
Diluted net income per share:
Net income available to common stockholders	$	40,583		28,846,684	$	1.41	$	9,013		26,693,848	$	0.34	$	11,722		24,642,425	$	0.48

Quarterly Results of Operations (Unaudited) (Tables)

12 Months Ended

Dec. 31, 2012

Quarterly Financial Information Disclosure [Abstract]

Quarterly Results of Operations (Unaudited)

The following table sets forth certain quarterly results for the years ended December 31, 2012 and 2011:



	2012												2011
	First			Second			Third			Fourth			First			Second			Third			Fourth
Interest income	$	43,469		$	44,169		$	45,347		$	42,964		$	46,366		$	45,721		$	45,085		$	44,073
Interest expense	7,353			6,116			5,445			4,699			10,889			9,874			9,234			7,893
Net interest income	36,116			38,053			39,902			38,265			35,477			35,847			35,851			36,180
Provision for loan losses	4,875			4,545			4,609			4,505			5,594			5,625			5,556			5,855
Net interest income after provision for loan losses	31,241			33,508			35,293			33,760			29,883			30,222			30,295			30,325
Non-interest income	22,658			13,165			14,273			14,206			11,858			11,061			13,230			12,971
Non-interest expense	34,028			34,180			34,404			34,503			33,881			34,399			34,222			33,436
Income before income tax expense	19,871			12,493			15,162			13,463			7,860			6,884			9,303			9,860
Income tax expense	5,500			3,288			3,926			3,153			2,399			1,396			2,561			2,299
Net income	14,371			9,205			11,236			10,310			5,461			5,488			6,742			7,561
Loss on CPP unamortized discount																			(1,401		)
Loss on extinguishment of trust preferred securities																			(10,857		)
Preferred stock dividends	(1,135		)	(1,135		)	(1,134		)	(1,135		)	(988		)	(990		)	(868		)	(1,135		)
Net income available to common stockholders	$	13,236		$	8,070		$	10,102		$	9,175		$	4,473		$	4,498		$	(6,384	)	$	6,426

Basic EPS	$	0.46		$	0.29		$	0.35		$	0.32		$	0.17		$	0.18		$	(0.25	)	$	0.24
Diluted EPS	$	0.46		$	0.28		$	0.35		$	0.32		$	0.17		$	0.18		$	(0.25	)	$	0.24
Average Shares Outstanding:
Basic	28,582,616			28,624,609			28,649,996			28,673,802			25,605,571			25,656,826			26,367,067			28,540,469
Diluted	28,754,713			28,815,019			28,888,076			28,930,392			25,763,378			25,782,799			26,367,067			28,699,505

Condensed Financial Information (parent company only) (Tables)

12 Months Ended

Dec. 31, 2012

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Schedule Of Parent Company Information Balance Sheet



	December 31, 2012		December 31, 2011
Assets
Cash	$	35,160	$	20,654
Investment in Subsidiaries	633,971		611,809
Goodwill	448		448
Other Assets	6,638		8,540
Total Assets	$	676,217	$	641,451
Liabilities
Borrowings	$	111,702	$	115,826
Other Liabilities	12,279		11,158
Total Liabilities	123,981		126,984
Stockholders' Equity	552,236		514,467
Total Liabilities and Stockholders' Equity	$	676,217	$	641,451

Schedule Of Parent Company Information Income Statement

Condensed Statements of Income and Comprehensive Income



	December 31, 2012			December 31, 2011			December 31, 2010
Income
Dividends from Subsidiaries	$	30,096		$	4,677		$	3,256
Administrative Services Fees from Subsidiaries							28,489
Other Income	85			(11		)	190
Total Income	30,181			4,666			31,935
Expenses
Interest Expense	4,655			7,661			6,816
Salaries and Employee Benefits	3,194			2,688			25,884
Net Occupancy and Equipment Expenses	312			31			6,213
Telephone Expenses	30			21			918
Postage and Courier Expenses	1			2			1,786
Other Expenses	1,502			1,501			5,382
Total Expenses	9,694			11,904			46,999
Income (Loss) Before Income Tax Benefit and Equity in Undistributed Income of Subsidiaries	20,487			(7,238		)	(15,064		)
Income Tax Benefit	3,316			3,256			5,970
Income (Loss) Before Equity in Undistributed Income of Subsidiaries	23,803			(3,982		)	(9,094		)
Equity in Undistributed (Distributions in Excess of) Income of Subsidiaries	21,319			29,234			16,003
Net Income	45,122			25,252			6,909
Gain on Exchange of Preferred Stock							11,353
Loss on CPP Unamortized Discount				(1,401		)	(1,301		)
Loss on Extinguishment of Trust Preferred Securities				(10,857		)
Preferred Stock Dividends and Discount Accretion	(4,539		)	(3,981		)	(5,239		)
Net Income Available to Common Stockholders	$	40,583		$	9,013		$	11,722

Net Income	$	45,122		$	25,252		$	6,909
Other Comprehensive Income	(1,897		)	6,555			(1,331		)
Comprehensive Income	$	43,225		$	31,807		$	5,578

Schedule Of Parent Company Information Cash Flow

Condensed Statement of Cash Flows



	Year Ended December 31,
	2012			2011			2010
Operating Activities:
Net Income	$	45,122		$	25,252		$	6,909
Adjustments to Reconcile Net Income to Net Cash
Provided by Operating Activities
Share-based Compensation	632			524			1,750
Tax Benefit from Share Based Compensation							50
Distributions in Excess of (Equity in Undistributed) Income of Subsidiaries	(21,319		)	(29,234		)	(16,003		)
Net Change in:
Other Assets	1,902			5,747			3,309
Other Liabilities	1,122			1,091			(744		)
Investment in Subsidiaries - Operating Activities	(1,755		)	(6,593		)	(20		)
Net Cash Provided (Used) by Operating Activities	$	25,704		$	(3,213	)	$	(4,749	)
Investing Activities - Investment in Subsidiaries	(126		)	704			(12,500		)
Net Cash Provided (Used) in Investing Activities	$	(126	)	$	704		$	(12,500	)
Financing Activities:
Cash Dividends	$	(7,442	)	$	(4,729	)	$	(5,920	)
Repayment of Borrowings	(4,124		)	(46,400		)
Preferred stock redemption under Capital Purchase Program				(69,600		)
Preferred stock issued under Small Business Lending Fund				90,783
Repurchase of Common Stock Warrants under Capital Purchase Program				(368		)
Common Stock Issued				21,165			24,150
Stock Issued Under Employee Benefit Plans	449			669			582
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan	202			89			91
Stock Options Exercised	78
Tax Benefit from Share Based Compensation							(50		)
Stock Redeemed	(235		)	(126		)	(76		)
Other				298			198
Net Cash Provided (Used) by Financing Activities	$	(11,072	)	$	(8,219	)	$	18,975
Net Change in Cash	14,506			(10,728		)	1,726
Cash, Beginning of the Year	20,654			31,382			29,656
Cash, End of Year	$	35,160		$	20,654		$	31,382

Nature of Operations and Summary of Significant Accounting Policies (Details)	12 Months Ended
	Dec. 31, 2012 key_element
Accounting Policies [Abstract]
Number of key element used in assessing the appropriateness of the allowance for loan losses	3

Nature of Operations and Summary of Significant Accounting Policies - Estimated Useful Lives, Premises and Equipment (Details)	12 Months Ended
	Dec. 31, 2012
Minimum
Premises and Equipment [Line Items]
Estimated Useful Lives, Premises and Equipment	3 years
Maximum
Premises and Equipment [Line Items]
Estimated Useful Lives, Premises and Equipment	40 years

Nature of Operations and Summary of Significant Accounting Policies - Estimated Useful Lives, Intangible Assets (Details)	12 Months Ended
	Dec. 31, 2012
Minimum
Intangible Assets [Abstract]
Estimated Useful Lives, Intangible Assets	3 years
Maximum
Intangible Assets [Abstract]
Estimated Useful Lives, Intangible Assets	20 years

Nature of Operations and Summary of Significant Accounting Policies - Requisite Service Period for Stock Option and Restricted Stock Award Plans (Details)	12 Months Ended
	Dec. 31, 2012
Minimum
Schedule of Stock Options and Restricted Stock Award Plans [Line Items]
Requisite Service Period	2 years
Maximum
Schedule of Stock Options and Restricted Stock Award Plans [Line Items]
Requisite Service Period	3 years

Purchase and Assumption - Additional Information (Detail) $ in Thousands	Feb. 10, 2012 USD ($)
Business Acquisition [Line Items]
Assets Acquired	$ 147,700
Cash and cash equivalents	11,900
Marketable securities	18,896
Federal Home Loan Bank stock	1,761
Loans	113,000
Premises and other assets	2,100
Liabilities absorbed	135,700
Customer deposits	125,900
Other Borrowed money	9,600
Other Liabilities	402
Assets acquired, discount	29,000
Difference between the purchase price of the assets acquired and the value of the liabilities assumed	17,200
Loan portfolio acquired, fair value discount	19,200
Performing portion of loan portfolio, fair value	93,793
Loans Receivable
Business Acquisition [Line Items]
Loans	86,300
Loan portfolio acquired, fair value discount	19,200
Performing portion of loan portfolio, fair value	$ 76,500

Assets and Liabilities of SCB Recorded at Provisional Fair Value (Detail) - USD ($)
$ in Thousands

12 Months Ended

Feb. 10, 2012

Dec. 31, 2012

Business Acquisition [Line Items]

Cash and due from banks

^[1]

$ 29,113

Investment securities, available for sale

18,896

Federal Home Loan Bank stock

1,761

Loans

93,793

Premises

1,516

Core deposit intangible

484

Other assets

560

Total Assets Purchased

146,123

Deposits

125,909

Federal Home Loan Bank advances

10,286

Other liabilities

804

Total Liabilities Assumed

136,999

Net Gain on Acquisition

9,124

$ 9,124

Commercial

Business Acquisition [Line Items]

Loans

51,042

Residential Mortgage

Business Acquisition [Line Items]

Loans

11,181

Installment Loans

Business Acquisition [Line Items]

Loans

31,570

Non-interest bearing

Business Acquisition [Line Items]

Deposits

13,715

NOW accounts

Business Acquisition [Line Items]

Deposits

14,746

Savings and money market

Business Acquisition [Line Items]

Deposits

25,843

Certificate of deposit

Business Acquisition [Line Items]

Deposits

$ 71,605

[1]	Includes $17,200,000 cash received from the FDIC.

Assets and Liabilities of SCB Recorded at Provisional Fair Value (Parenthetical) (Detail) $ in Millions	Feb. 10, 2012 USD ($)
Business Combinations [Abstract]
Cash received from FDIC	$ 17.2

Acquired Loans Accounted With ASC 310 30 (Detail) $ in Thousands	Feb. 10, 2012 USD ($)
Business Combinations [Abstract]
Preliminary estimate of contractually required principal and interest at acquisition	$ 31,143
Preliminary estimate of contractual cash flows not expected to be collected (nonaccretable differences)	9,688
Preliminary estimate of expected cash flows at acquisition	21,455
Preliminary estimate of interest component of expected cash flows (accretable discount)	4,152
Preliminary estimate of fair value of acquired loans accounted for under ASC 310-30	$ 17,303

Carrying Amount of Loans Included in Balance Sheet Amounts of Loans Receivable (Detail) $ in Thousands	Dec. 31, 2012 USD ($)
Business Acquisition [Line Items]
Carrying amount of loans acquired	$ 65,600
Commercial and industrial
Business Acquisition [Line Items]
Carrying amount of loans acquired	8,542
Agriculture production financing and other loans
Business Acquisition [Line Items]
Carrying amount of loans acquired	1,127
Construction
Business Acquisition [Line Items]
Carrying amount of loans acquired	58
Commercial and farm land
Business Acquisition [Line Items]
Carrying amount of loans acquired	24,259
Residential
Business Acquisition [Line Items]
Carrying amount of loans acquired	12,118
Home Equity
Business Acquisition [Line Items]
Carrying amount of loans acquired	18,805
Consumer
Business Acquisition [Line Items]
Carrying amount of loans acquired	$ 691

Accretable Yield, or Income Expected to be Collected (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($)
Certain Loans Acquired in Transfer Accounted for as Debt Securities, Accretable Yield Movement Schedule [Roll Forward]
Beginning balance	$ 9,774
Accretions	(4,632)
Ending balance	$ 5,142

Restriction on Cash and Due From Banks (Details) $ in Thousands	Dec. 31, 2012 USD ($)
Restricted Cash and Cash Equivalents Items [Line Items]
Non-interest Bearing Deposits At Other Institutions	$ 6,909
Cash Balance, Federal Home Loan Bank And Federal Reserve Bank	3,508
Cash Reserve With Federal Reserve Bank	24,181
Interest-bearing Deposits [Member]
Restricted Cash and Cash Equivalents Items [Line Items]
Cash Amount That Exceeded Federally Insured Limits	$ 33,228

Investment Securities - Amortized Cost and Approximate Fair Values of Securities (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Gain (Loss) on Investments [Line Items]
Amortized Cost	$ 498,104	$ 503,479
Gross Unrealized Gains	21,184	20,600
Gross Unrealized losses	5,945	5,588
Fair Value	513,343	518,491
Amortized Cost	361,020	427,909
Gross Unrealized Gains	17,170	14,560
Gross Unrealized Losses	16
Fair Value	378,174	442,469
Amortized Cost	859,124	931,388
Gross Unrealized Gains	38,354	35,160
Gross Unrealized Losses	5,961	5,588
Fair Value	891,517	960,960
Government Agency and Municipal Bonds and Notes
Gain (Loss) on Investments [Line Items]
Amortized Cost	4,475	99
Gross Unrealized Gains	165	18
Gross Unrealized losses
Fair Value	4,640	117
State and municipal
Gain (Loss) on Investments [Line Items]
Amortized Cost	148,187	136,857
Gross Unrealized Gains	10,025	10,496
Gross Unrealized losses	18
Fair Value	158,194	147,353
Amortized Cost	117,227	120,171
Gross Unrealized Gains	5,489	3,785
Gross Unrealized Losses	1
Fair Value	122,715	123,956
U.S. Government-sponsored mortgage-backed securities
Gain (Loss) on Investments [Line Items]
Amortized Cost	337,631	358,928
Gross Unrealized Gains	10,994	10,086
Gross Unrealized losses	46	16
Fair Value	348,579	368,998
Amortized Cost	243,793	307,738
Gross Unrealized Gains	11,681	10,775
Gross Unrealized Losses	15
Fair Value	255,459	318,513
Corporate Bonds and Notes
Gain (Loss) on Investments [Line Items]
Amortized Cost	6,105	5,765
Gross Unrealized Gains
Gross Unrealized losses	5,881	5,572
Fair Value	224	193
Equity securities
Gain (Loss) on Investments [Line Items]
Amortized Cost	1,706	1,830
Gross Unrealized Gains
Gross Unrealized losses
Fair Value	$ 1,706	$ 1,830

Investment Securities - Investments in Debt and Equity Securities Reported Less than Historical Cost (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Schedule of Investments [Line Items]
Fair value	$ 17,038	$ 6,339
Investments in Debt and Equity Securities, Reported at Less than Historical Cost
Schedule of Investments [Line Items]
Historical cost	22,999	11,925
Fair value	$ 17,038	$ 6,339
Percent of the Corporation's available for sale and held to maturity portfolio	1.90%	0.70%

Investment Securities - Additional Information (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($) security	Dec. 31, 2011 USD ($)	Dec. 31, 2010 USD ($)
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Fair value	$ 17,038	$ 6,339
Investment amortized cost	859,124	931,388
Gross Unrealized losses	5,945	5,588
Gross Unrealized Losses	16
Carrying value of securities pledged as collateral	$ 335,775	299,478	$ 271,091
Maximum
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Spread over LIBOR	1.57%
Minimum
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Spread over LIBOR	0.85%
Investments in Debt and Equity Securities, Reported at Less than Historical Cost
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Historical cost	$ 22,999	11,925
Fair value	$ 17,038	$ 6,339
Percent of the Corporation's available for sale and held to maturity portfolio	1.90%	0.70%
U.S. Government-sponsored mortgage-backed securities
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Fair value	$ 12,320	$ 6,176
Gross Unrealized losses	$ 46	$ 16
Available-for-sale, number of securities in unrealized loss positions \| security	4
Gross Unrealized Losses	$ 15
Held-to-maturity, number of securities in unrealized loss positions \| security	1
State and municipal
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Fair value	$ 4,524
Gross Unrealized losses	$ 18
Available-for-sale, number of securities in unrealized loss positions \| security	8
Gross Unrealized Losses	$ 1
Held-to-maturity, number of securities in unrealized loss positions \| security	4
Trust Preferred Securities
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Percent of the Corporation's available for sale and held to maturity portfolio	1.00%
Investment amortized cost	$ 6,100
Fair value of investments	194
Gross Unrealized losses	5,900
Book value	$ 6,100

Investment Securiities - Debt Securities Credit Loss Recognized in Income, and Other Losses Recorded in Other Comprehensive Income (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Credit losses on debt securities held:
Balance, January 1	$ 11,355	$ 10,955
Additions related to other-than-temporary losses not previously recognized		400
Balance, December 31	$ 11,355	$ 11,355

Investment Securities - Investments' Gross Unrealized Losses and Fair Value Aggregated by Investment Category and Length of Time in Continuous Unrealized Loss Position (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	$ 16,844	$ 6,176
Less than 12 Months Gross Unrealized Losses	80	16
12 Months or Longer Fair Value	194	163
12 Months or Longer Gross Unrealized Losses	5,881	5,572
Total Fair Value	17,038	6,339
Total Gross Unrealized Losses	5,961	5,588
State and municipal
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	4,524
Less than 12 Months Gross Unrealized Losses	19
12 Months or Longer Fair Value
12 Months or Longer Gross Unrealized Losses
Total Fair Value	4,524
Total Gross Unrealized Losses	19
U.S. Government-sponsored mortgage-backed securities
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value	12,320	6,176
Less than 12 Months Gross Unrealized Losses	61	16
12 Months or Longer Fair Value
12 Months or Longer Gross Unrealized Losses
Total Fair Value	12,320	6,176
Total Gross Unrealized Losses	61	16
Corporate Bonds and Notes
Investments, Unrealized Loss Position [Line Items]
Less than 12 Months Fair Value
Less than 12 Months Gross Unrealized Losses
12 Months or Longer Fair Value	194	163
12 Months or Longer Gross Unrealized Losses	5,881	5,572
Total Fair Value	194	163
Total Gross Unrealized Losses	$ 5,881	$ 5,572

Investment Securities - Amortized Cost and Fair Value of Available for Sale Securities and Held to Maturity Securities by Contractual Maturity (Detail) $ in Thousands	Dec. 31, 2012 USD ($)
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Due in one year or less	$ 4,366
Due after one through five years	14,764
Due after five through ten years	54,148
Due after ten years	85,489
Available-For-Sale Securities, Debt Maturity, with Single Maturity Date, Amortized Cost, Total	158,767
Total Investment Securities	498,104
Due in one year or less	4,415
Due after one through five years	15,468
Due after five through ten years	57,442
Due after ten years	85,733
Available-For-Sale Securities, Debt Maturity, with Single Maturity Date, Fair Value, Total	163,058
Total Investment Securities	513,343
Due in one year or less	2,590
Due after one through five years	2,554
Due after five through ten years	57,811
Due after ten years	54,272
Held-To-Maturity Securities, Debt Maturities, with Single Maturity Date, Net Carrying Amount, Total	117,227
Total Investment Securities	361,020
Due in one year or less	2,594
Due after one through five years	2,575
Due after five through ten years	60,163
Due after ten years	57,383
Held-To-Maturity Securities, Debt Maturity, with Single Maturity Date, Fair Value, Total	122,715
Total Investment Securities	378,174
U.S. Government-sponsored mortgage-backed securities
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Without single maturity date	337,631
Without single maturity date	348,579
Without single maturity date	243,793
Without single maturity date	255,459
Equity securities
Schedule of Available for sale Securities and Held to maturity Securities [Line Items]
Without single maturity date	1,706
Without single maturity date	1,706
Without single maturity date
Without single maturity date

Investment Securities - Gross Gains and Losses on Sales and Redemptions of Available for Sale Securities and Other Than Temporary Impairment Losses Recognized (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Sales and Redemptions of Available for Sale Securities:
Gross gains	$ 2,389	$ 2,439	$ 3,636
Gross losses	$ 0	$ 0	$ 230

Loans and Allowance - Additional Information (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Feb. 10, 2012	Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]
Residential real estate loans held for sale	$ 22,300		$ 17,864
Loan Acquired during acquisition		$ 113,000
Fair Value Discount		$ 19,200
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of troubled debt restructured loans	15.00%
Commercial and farm land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage of troubled debt restructured loans	69.00%

- Definition

The aggregate carrying amount of loans receivable that will be sold to other entities. Includes mortgage and all other loans (collectively, loans) not classified as held for investment. Such loans are stated at the lower of cost or market, or elected fair value. Mortgage loans exclude mortgage-backed securities which are considered a debt security (other loan).

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6375948&loc=d3e4428-111522

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 35
-Paragraph 49
-URI http://asc.fasb.org/extlink&oid=16382521&loc=d3e3084-111518

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 948
-SubTopic 310
-Section 30
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6490209&loc=d3e48214-111002

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 65
-Paragraph 4, 5, 6, 7, 9, 12, 28, 29
-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 AICPA
-Name Statement of Position (SOP)
-Number 01-6
-Paragraph 13
-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.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher OTS
-Name Federal Regulation (FR)
-Number Title 12
-Section 563c.102
-Paragraph 8
-Subparagraph h
-Chapter V
-Subsection I
-LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy. It will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a
-Article 9

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 65
-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

Loans and Allowance - Composition of Loan Portfolio by Loan Class (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Loans:
Loans	$ 2,902,209	$ 2,713,415
Allowance for loan losses	(69,366)	(70,898)	$ (82,977)	$ (92,131)
Net loans	2,832,843	2,642,517
Commercial and industrial
Loans:
Loans	622,579	532,523
Agriculture production financing and other loans
Loans:
Loans	112,527	104,526
Construction
Loans:
Loans	98,639	81,780
Commercial and farm land
Loans:
Loans	1,266,682	1,194,230
Residential
Loans:
Loans	473,537	481,493
Allowance for loan losses	(14,157)	(12,343)	(10,408)	(10,751)
Home Equity
Loans:
Loans	203,406	191,631
Consumer
Loans:
Loans	75,748	84,172
Allowance for loan losses	(2,593)	(2,902)	(3,622)	(2,242)
Finance Leases
Loans:
Loans	2,590	3,555
Allowance for loan losses		(3)	$ (98)	$ (179)
Other Loans
Loans:
Loans	$ 46,501	$ 39,505

Loans and Allowance - Changes in Allowance for Loan Losses by Loan Segment (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Allowance for loan losses:
Beginning balance				$ 70,898				$ 82,977	$ 70,898	$ 82,977	$ 92,131
Provision for losses	$ 4,505	$ 4,609	$ 4,545	4,875	$ 5,855	$ 5,556	$ 5,625	5,594	18,534	22,630	46,483
Recoveries on loans									7,206	13,764	11,935
Loans charged off									(27,272)	(48,473)	(67,572)
Ending balance	69,366				70,898				69,366	70,898	82,977
Commercial
Allowance for loan losses:
Beginning balance				17,731				32,508	17,731	32,508	48,770
Provision for losses									14,749	(13,787)	(180)
Recoveries on loans									1,744	8,828	6,750
Loans charged off									(8,311)	(9,818)	(22,832)
Ending balance	25,913				17,731				25,913	17,731	32,508
Real Estate Commercial
Allowance for loan losses:
Beginning balance				37,919				36,341	37,919	36,341	30,189
Provision for losses									(2,546)	28,574	37,555
Recoveries on loans									3,652	2,811	1,420
Loans charged off									(12,322)	(29,807)	(32,823)
Ending balance	26,703				37,919				26,703	37,919	36,341
Consumer
Allowance for loan losses:
Beginning balance				2,902				3,622	2,902	3,622	2,242
Provision for losses									126	(221)	2,868
Recoveries on loans									695	942	938
Loans charged off									(1,130)	(1,441)	(2,426)
Ending balance	2,593				2,902				2,593	2,902	3,622
Residential
Allowance for loan losses:
Beginning balance				12,343				10,408	12,343	10,408	10,751
Provision for losses									6,176	8,166	6,267
Recoveries on loans									1,113	1,176	2,827
Loans charged off									(5,475)	(7,407)	(9,437)
Ending balance	$ 14,157				12,343				14,157	12,343	10,408
Finance Leases
Allowance for loan losses:
Beginning balance				$ 3				$ 98	3	98	179
Provision for losses									29	(102)	(27)
Recoveries on loans									2	7
Loans charged off									$ (34)		(54)
Ending balance					$ 3					$ 3	$ 98

Loans and Allowance - Allowance for Credit Losses and Loan Portfolio by Loan Segment (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Dec. 31, 2009
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	$ 4,243	$ 7,938
Collectively evaluated for impairment	65,123	62,960
Total Allowance for Loan Losses	69,366	70,898	$ 82,977	$ 92,131
Individually evaluated for impairment	68,099	83,319
Collectively evaluated for impairment	2,821,358	2,630,096
Financing Receivable, Acquired with Deteriorated Credit Quality	12,752
Loans	2,902,209	2,713,415
Commercial
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	1,628	4,701
Collectively evaluated for impairment	24,285	13,030
Total Allowance for Loan Losses	25,913	17,731	32,508	48,770
Individually evaluated for impairment	14,190	18,793
Collectively evaluated for impairment	765,707	657,761
Financing Receivable, Acquired with Deteriorated Credit Quality	1,710
Loans	781,607	676,554
Commercial Real Estate
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	2,565	2,504
Collectively evaluated for impairment	24,138	35,415
Total Allowance for Loan Losses	26,703	37,919	36,341	30,189
Individually evaluated for impairment	45,394	51,980
Collectively evaluated for impairment	1,309,912	1,224,030
Financing Receivable, Acquired with Deteriorated Credit Quality	10,015
Loans	1,365,321	1,276,010
Consumer
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment	2,593	2,902
Total Allowance for Loan Losses	2,593	2,902	3,622	2,242
Collectively evaluated for impairment	75,748	84,172
Loans	75,748	84,172
Residential
Financing Receivable, Allowance for Credit Losses [Line Items]
Individually evaluated for impairment	50	733
Collectively evaluated for impairment	14,107	11,610
Total Allowance for Loan Losses	14,157	12,343	10,408	10,751
Individually evaluated for impairment	8,515	12,546
Collectively evaluated for impairment	667,401	660,578
Financing Receivable, Acquired with Deteriorated Credit Quality	1,027
Loans	676,943	673,124
Finance Leases
Financing Receivable, Allowance for Credit Losses [Line Items]
Collectively evaluated for impairment		3
Total Allowance for Loan Losses		3	$ 98	$ 179
Collectively evaluated for impairment	2,590	3,555
Loans	$ 2,590	$ 3,555

Loans and Allowance - Summary of Non-Accrual Loans by Loan Class (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 53,399	$ 69,592
Commercial and industrial
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	12,195	12,246
Construction
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	4,814	8,990
Commercial and farm land
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	22,612	31,093
Residential
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	11,476	14,805
Home Equity
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	1,997	1,896
Consumer
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans		1
Finance Leases
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	301
Other Loans
Accounts, Notes, Loans and Financing Receivable [Line Items]
Non-accrual loans	$ 4	$ 561

Loans and Allowance - Composition of Impaired Loans by Loan Class (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	$ 109,594	$ 98,922	$ 120,104
Recorded Investment	67,333	59,835	76,317
Average Recorded Investment	76,517	69,330
Interest Income Recognized	1,498	1,241
Unpaid Principal Balance	12,918	24,234	42,488
Recorded Investment	11,846	19,940	39,887
Related Allowance	4,243	7,596	13,914
Average Recorded Investment	12,097	21,462
Interest Income Recognized	203	321
Impaired Financing Receivable, Unpaid Principal Balance	122,512	123,156	162,592
Impaired Financing Receivable, Recorded Investment	79,179	79,775	116,204
Average Recorded Investment	88,614	90,792
Interest Income Recognized	1,701	1,562
Commercial and industrial
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	28,532	23,364	30,006
Recorded Investment	11,730	10,116	16,572
Average Recorded Investment	15,089	13,399
Interest Income Recognized	124	615
Unpaid Principal Balance	4,415	8,691	11,477
Recorded Investment	4,155	8,104	11,374
Related Allowance	1,628	4,142	5,250
Average Recorded Investment	4,225	8,196
Interest Income Recognized	33	174
Agriculture production financing and other loans
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance			966
Recorded Investment			530
Construction
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	9,787	14,301	12,598
Recorded Investment	5,164	7,701	9,150
Average Recorded Investment	6,471	8,836
Interest Income Recognized	66
Unpaid Principal Balance	1,202	961	9,353
Recorded Investment	1,058	961	7,824
Related Allowance	105	321	2,049
Average Recorded Investment	1,175	961
Commercial and farm land
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	58,173	49,242	64,064
Recorded Investment	43,204	34,571	43,653
Average Recorded Investment	46,788	39,032
Interest Income Recognized	1,211	591
Unpaid Principal Balance	5,579	12,115	17,984
Recorded Investment	5,182	8,748	17,076
Related Allowance	2,460	2,183	5,496
Average Recorded Investment	5,239	10,028
Interest Income Recognized	95	140
Residential
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	8,820	7,491	7,909
Recorded Investment	6,215	6,185	5,153
Average Recorded Investment	7,129	6,539
Interest Income Recognized	83	20
Unpaid Principal Balance	1,722	1,888	2,740
Recorded Investment	1,451	1,575	2,691
Related Allowance	50	391	465
Average Recorded Investment	1,458	1,687
Interest Income Recognized	75	7
Home Equity
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	4,199	4,425	4,460
Recorded Investment	1,006	1,241	1,245
Average Recorded Investment	1,022	1,500
Interest Income Recognized	13	15
Unpaid Principal Balance			458
Recorded Investment			446
Related Allowance			178
Other Loans
Financing Receivable, Impaired [Line Items]
Unpaid Principal Balance	83	99	101
Recorded Investment	14	21	14
Average Recorded Investment	18	24
Interest Income Recognized	$ 1
Unpaid Principal Balance		579	476
Recorded Investment		552	476
Related Allowance		559	$ 476
Average Recorded Investment		$ 590

Loans and Allowance - Credit Quality of Loan Portfolio by Loan Class (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 2,902,209	$ 2,713,415
Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Loans	622,579	532,523
Agriculture production financing and other loans
Financing Receivable, Recorded Investment [Line Items]
Loans	112,527	104,526
Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	98,639	81,780
Commercial and farm land
Financing Receivable, Recorded Investment [Line Items]
Loans	1,266,682	1,194,230
Residential
Financing Receivable, Recorded Investment [Line Items]
Loans	473,537	481,493
Home Equity
Financing Receivable, Recorded Investment [Line Items]
Loans	203,406	191,631
Consumer
Financing Receivable, Recorded Investment [Line Items]
Loans	75,748	84,172
Finance Leases
Financing Receivable, Recorded Investment [Line Items]
Loans	2,590	3,555
Other Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	46,501	39,505
Commercial Pass
Financing Receivable, Recorded Investment [Line Items]
Loans	2,107,317	1,855,248
Commercial Pass \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Loans	559,852	478,885
Commercial Pass \| Agriculture production financing and other loans
Financing Receivable, Recorded Investment [Line Items]
Loans	112,209	101,289
Commercial Pass \| Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	85,728	47,611
Commercial Pass \| Commercial and farm land
Financing Receivable, Recorded Investment [Line Items]
Loans	1,148,561	1,033,397
Commercial Pass \| Residential
Financing Receivable, Recorded Investment [Line Items]
Loans	145,402	139,237
Commercial Pass \| Home Equity
Financing Receivable, Recorded Investment [Line Items]
Loans	9,092	15,912
Commercial Pass \| Other Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	46,473	38,917
Commercial Special Mention
Financing Receivable, Recorded Investment [Line Items]
Loans	69,815	92,045
Commercial Special Mention \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Loans	23,678	22,405
Commercial Special Mention \| Agriculture production financing and other loans
Financing Receivable, Recorded Investment [Line Items]
Loans	224	1,582
Commercial Special Mention \| Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	1,384	3,672
Commercial Special Mention \| Commercial and farm land
Financing Receivable, Recorded Investment [Line Items]
Loans	38,199	54,697
Commercial Special Mention \| Residential
Financing Receivable, Recorded Investment [Line Items]
Loans	5,437	9,175
Commercial Special Mention \| Home Equity
Financing Receivable, Recorded Investment [Line Items]
Loans	893	499
Commercial Special Mention \| Other Loans
Financing Receivable, Recorded Investment [Line Items]
Loans		15
Commercial Substandard
Financing Receivable, Recorded Investment [Line Items]
Loans	140,553	175,423
Commercial Substandard \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Loans	34,460	28,025
Commercial Substandard \| Agriculture production financing and other loans
Financing Receivable, Recorded Investment [Line Items]
Loans	94	1,655
Commercial Substandard \| Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	11,356	22,376
Commercial Substandard \| Commercial and farm land
Financing Receivable, Recorded Investment [Line Items]
Loans	79,078	103,330
Commercial Substandard \| Residential
Financing Receivable, Recorded Investment [Line Items]
Loans	13,880	16,699
Commercial Substandard \| Home Equity
Financing Receivable, Recorded Investment [Line Items]
Loans	1,657	3,317
Commercial Substandard \| Other Loans
Financing Receivable, Recorded Investment [Line Items]
Loans	28	21
Commercial Doubtful
Financing Receivable, Recorded Investment [Line Items]
Loans	6,064	5,984
Commercial Doubtful \| Commercial and industrial
Financing Receivable, Recorded Investment [Line Items]
Loans	4,589	3,208
Commercial Doubtful \| Commercial and farm land
Financing Receivable, Recorded Investment [Line Items]
Loans	553	1,724
Commercial Doubtful \| Residential
Financing Receivable, Recorded Investment [Line Items]
Loans	922	500
Commercial Doubtful \| Other Loans
Financing Receivable, Recorded Investment [Line Items]
Loans		552
Consumer Performing
Financing Receivable, Recorded Investment [Line Items]
Loans	569,372	575,555
Consumer Performing \| Construction
Financing Receivable, Recorded Investment [Line Items]
Loans		7,762
Consumer Performing \| Commercial and farm land
Financing Receivable, Recorded Investment [Line Items]
Loans		1,035
Consumer Performing \| Residential
Financing Receivable, Recorded Investment [Line Items]
Loans	301,614	308,306
Consumer Performing \| Home Equity
Financing Receivable, Recorded Investment [Line Items]
Loans	189,721	170,776
Consumer Performing \| Consumer
Financing Receivable, Recorded Investment [Line Items]
Loans	75,748	84,121
Consumer Performing \| Finance Leases
Financing Receivable, Recorded Investment [Line Items]
Loans	2,289	3,555
Consumer Non-Performing
Financing Receivable, Recorded Investment [Line Items]
Loans	9,088	9,160
Consumer Non-Performing \| Construction
Financing Receivable, Recorded Investment [Line Items]
Loans	171	359
Consumer Non-Performing \| Commercial and farm land
Financing Receivable, Recorded Investment [Line Items]
Loans	291	47
Consumer Non-Performing \| Residential
Financing Receivable, Recorded Investment [Line Items]
Loans	6,282	7,576
Consumer Non-Performing \| Home Equity
Financing Receivable, Recorded Investment [Line Items]
Loans	2,043	1,127
Consumer Non-Performing \| Consumer
Financing Receivable, Recorded Investment [Line Items]
Loans		$ 51
Consumer Non-Performing \| Finance Leases
Financing Receivable, Recorded Investment [Line Items]
Loans	$ 301

Loans and Allowance - Past Due Aging of Loan Portfolio by Loan Class (Detail) - USD ($)	Dec. 31, 2012	Dec. 31, 2011
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	$ 2,828,813,000	$ 2,605,479,000
30-59 Days Past Due	14,303,000	25,835,000
60-89 Days Past Due	3,657,000	11,929,000
Loans > 90 Days And Accruing	2,037,000	580,000
Non- Accrual	53,399,000	69,592,000
Total Past Due & Non- Accrual	73,396,000	107,936,000
Total Loans	2,902,209,000	2,713,415,000
Commercial and industrial
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	607,442,000	518,764,000
30-59 Days Past Due	2,628,000	1,332,000
60-89 Days Past Due	144,000	135,000
Loans > 90 Days And Accruing	170,000	46,000
Non- Accrual	12,195,000	12,246,000
Total Past Due & Non- Accrual	15,137,000	13,759,000
Total Loans	622,579,000	532,523,000
Agriculture production financing and other loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	112,527,000	104,464,000
30-59 Days Past Due		62,000
Total Past Due & Non- Accrual		62,000
Total Loans	112,527,000	104,526,000
Construction
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	93,426,000	69,305,000
30-59 Days Past Due	399,000	328,000
60-89 Days Past Due		3,126,000
Loans > 90 Days And Accruing		31,000
Non- Accrual	4,814,000	8,990,000
Total Past Due & Non- Accrual	5,213,000	12,475,000
Total Loans	98,639,000	81,780,000
Commercial and farm land
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	1,238,907,000	1,140,897,000
30-59 Days Past Due	3,276,000	16,457,000
60-89 Days Past Due	1,822,000	5,783,000
Loans > 90 Days And Accruing	65,000
Non- Accrual	22,612,000	31,093,000
Total Past Due & Non- Accrual	27,775,000	53,333,000
Total Loans	1,266,682,000	1,194,230,000
Residential
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	453,743,000	458,925,000
30-59 Days Past Due	5,734,000	5,485,000
60-89 Days Past Due	1,338,000	2,087,000
Loans > 90 Days And Accruing	1,246,000	191,000
Non- Accrual	11,476,000	14,805,000
Total Past Due & Non- Accrual	19,794,000	22,568,000
Total Loans	473,537,000	481,493,000
Home Equity
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	199,063,000	187,788,000
30-59 Days Past Due	1,467,000	1,096,000
60-89 Days Past Due	323,000	590,000
Loans > 90 Days And Accruing	556,000	261,000
Non- Accrual	1,997,000	1,896,000
Total Past Due & Non- Accrual	4,343,000	3,843,000
Total Loans	203,406,000	191,631,000
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	74,919,000	82,837,000
30-59 Days Past Due	799,000	1,075,000
60-89 Days Past Due	30,000	208,000
Loans > 90 Days And Accruing		51,000
Non- Accrual		1,000
Total Past Due & Non- Accrual	829,000	1,335,000
Total Loans	75,748,000	84,172,000
Finance Leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	2,289,000	3,555,000
Non- Accrual	301,000
Total Past Due & Non- Accrual	301,000
Total Loans	2,590,000	3,555,000
Other Loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
Current	46,497,000	38,944,000
Non- Accrual	4,000	561,000
Total Past Due & Non- Accrual	4,000	561,000
Total Loans	$ 46,501,000	$ 39,505,000

Loans and Allowance - Summary of Troubled Debt Restructurings (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($) Loan	Dec. 31, 2011 USD ($) Loan
Financing Receivable, Modifications [Line Items]
Pre-Modification Recorded Balance	$ 15,194	$ 29,105
Post-Modification Recorded Balance	$ 14,723	$ 27,201
Number of Loans \| Loan	50	103
Commercial and industrial
Financing Receivable, Modifications [Line Items]
Pre-Modification Recorded Balance	$ 1,562	$ 4,023
Post-Modification Recorded Balance	$ 1,547	$ 4,033
Number of Loans \| Loan	9	17
Construction
Financing Receivable, Modifications [Line Items]
Pre-Modification Recorded Balance	$ 794	$ 791
Post-Modification Recorded Balance	$ 653	$ 726
Number of Loans \| Loan	2	5
Commercial and farm land
Financing Receivable, Modifications [Line Items]
Pre-Modification Recorded Balance	$ 10,366	$ 17,297
Post-Modification Recorded Balance	$ 10,154	$ 15,260
Number of Loans \| Loan	14	19
Residential
Financing Receivable, Modifications [Line Items]
Pre-Modification Recorded Balance	$ 2,302	$ 6,892
Post-Modification Recorded Balance	$ 2,172	$ 7,076
Number of Loans \| Loan	20	52
Consumer
Financing Receivable, Modifications [Line Items]
Pre-Modification Recorded Balance	$ 170	$ 90
Post-Modification Recorded Balance	$ 197	$ 94
Number of Loans \| Loan	5	9
Other Loans
Financing Receivable, Modifications [Line Items]
Pre-Modification Recorded Balance		$ 12
Post-Modification Recorded Balance		$ 12
Number of Loans \| Loan		1

Loans and Allowance - Summary of Troubled Debt Restructurings by Modification (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Financing Receivable, Modifications [Line Items]
Modification	$ 11,955	$ 25,591
Troubled Debt Restructurings, Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	7,452	20,412
Troubled Debt Restructurings, Rate Modifications
Financing Receivable, Modifications [Line Items]
Modification	1,290	1,178
Troubled Debt Restructurings, Rate and Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	3,213	4,001
Commercial and industrial
Financing Receivable, Modifications [Line Items]
Modification	1,288	3,934
Commercial and industrial \| Troubled Debt Restructurings, Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	259	3,816
Commercial and industrial \| Troubled Debt Restructurings, Rate and Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	1,029	118
Construction
Financing Receivable, Modifications [Line Items]
Modification	625	723
Construction \| Troubled Debt Restructurings, Term Modifications
Financing Receivable, Modifications [Line Items]
Modification		581
Construction \| Troubled Debt Restructurings, Rate Modifications
Financing Receivable, Modifications [Line Items]
Modification		125
Construction \| Troubled Debt Restructurings, Rate and Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	625	17
Commercial and farm land
Financing Receivable, Modifications [Line Items]
Modification	7,952	14,102
Commercial and farm land \| Troubled Debt Restructurings, Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	6,668	10,338
Commercial and farm land \| Troubled Debt Restructurings, Rate Modifications
Financing Receivable, Modifications [Line Items]
Modification	903	954
Commercial and farm land \| Troubled Debt Restructurings, Rate and Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	381	2,810
Residential
Financing Receivable, Modifications [Line Items]
Modification	1,900	6,731
Residential \| Troubled Debt Restructurings, Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	525	5,610
Residential \| Troubled Debt Restructurings, Rate Modifications
Financing Receivable, Modifications [Line Items]
Modification	380	99
Residential \| Troubled Debt Restructurings, Rate and Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	995	1,022
Home Equity
Financing Receivable, Modifications [Line Items]
Modification		89
Home Equity \| Troubled Debt Restructurings, Term Modifications
Financing Receivable, Modifications [Line Items]
Modification		55
Home Equity \| Troubled Debt Restructurings, Rate and Term Modifications
Financing Receivable, Modifications [Line Items]
Modification		34
Consumer
Financing Receivable, Modifications [Line Items]
Modification	190
Consumer \| Troubled Debt Restructurings, Rate Modifications
Financing Receivable, Modifications [Line Items]
Modification	7
Consumer \| Troubled Debt Restructurings, Rate and Term Modifications
Financing Receivable, Modifications [Line Items]
Modification	$ 183
Other Loans
Financing Receivable, Modifications [Line Items]
Modification		12
Other Loans \| Troubled Debt Restructurings, Term Modifications
Financing Receivable, Modifications [Line Items]
Modification		$ 12

Loans and Allowance - Subsequent Default (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($) Loan	Dec. 31, 2011 USD ($) Loan
Financing Receivable, Impaired [Line Items]
Number of Loans \| Loan	7	14
Recorded Balance \| $	$ 620	$ 2,984
Commercial and industrial
Financing Receivable, Impaired [Line Items]
Number of Loans \| Loan	1	3
Recorded Balance \| $	$ 23	$ 471
Commercial and farm land
Financing Receivable, Impaired [Line Items]
Number of Loans \| Loan	2	3
Recorded Balance \| $	$ 212	$ 1,951
Residential
Financing Receivable, Impaired [Line Items]
Number of Loans \| Loan	4	7
Recorded Balance \| $	$ 385	$ 557
Consumer
Financing Receivable, Impaired [Line Items]
Number of Loans \| Loan		1
Recorded Balance \| $		$ 5

Premises and Equipment - (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Premises and Equipment [Line Items]
Premises and Equipment	$ 119,862	$ 116,402
Accumulated Depreciation and Amortization	(67,113)	(65,389)
Net	52,749	51,013
Land
Premises and Equipment [Line Items]
Premises and Equipment	14,692	14,296
Buildings and Leasehold Improvements
Premises and Equipment [Line Items]
Premises and Equipment	62,606	62,317
Equipment
Premises and Equipment [Line Items]
Premises and Equipment	$ 42,564	$ 39,789

- Definition

The cumulative amount of depreciation, depletion and amortization (related to property, plant and equipment, but not including land) that has been recognized in the income statement.

+ References + Details

Premises and Equipment - Schedule of Future Minimum Rental Payments for Operating Leases (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Property, Plant and Equipment [Abstract]
Rent expense	$ 2,812	$ 2,636	$ 2,801
2013	2,284
2014	2,025
2015	1,852
2016	1,441
2017	865
After 2017	1,428
Total Future Minimum Obligations	$ 9,895

Goodwill (Details) - USD ($) $ in Thousands	1 Months Ended
Goodwill (Details) - USD ($) $ in Thousands	Jul. 31, 2012	Dec. 31, 2012	Dec. 31, 2011
Goodwill Disclosure [Abstract]
Goodwill		$ 141,375	$ 141,357
Goodwill, Acquired During Period	$ 18

- Definition

Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=14024403&loc=d3e13816-109267

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6388280&loc=d3e13770-109266

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 45
-Subparagraph e
-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 142
-Paragraph 43
-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 141R
-Paragraph 72
-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.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 142
-Paragraph 45
-Subparagraph e
-Clause 1
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 68
-Subparagraph l
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 141R
-Paragraph 34
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

+ Details

Core Deposit and Other Intangibles - Schedule of Finite-lived Intangible Assets Acquired (Details) - USD ($) $ in Thousands		1 Months Ended
	Feb. 10, 2012	Jul. 31, 2012
Core Deposits \| SCB Bank
Acquired Finite-Lived Intangible Assets [Line Items]
Core deposit intangible and other intangibles acquired	$ 484
Other Intangible Assets
Acquired Finite-Lived Intangible Assets [Line Items]
Core deposit intangible and other intangibles acquired		$ 483

Core Deposit and Other Intangibles - Schedule of Core Deposit and Other Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Gross carrying amount		$ 45,422	$ 45,422
Core deposit intangible and other intangibles acquired	$ 967
Accumulated amortization	(38,235)	(36,308)
Core Deposit and Other Intangibles	$ 8,154	$ 9,114

Core Deposit and Other Intangibles - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Intangible Assets, Net (Excluding Goodwill) [Abstract]
Core deposit amortization	$ 1,927	$ 3,548	$ 4,721

Core Deposit and Other Intangibles - Schedule of Estimated Amortization Expense (details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Intangible Assets, Net (Excluding Goodwill) [Abstract]
2013	$ 1,536
2014	1,531
2015	1,530
2016	1,490
2017	1,429
After 2017	638
Core Deposit and Other Intangibles	$ 8,154	$ 9,114

Deposits - Schedule of Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Banking and Thrift [Abstract]
Demand Deposits	$ 1,646,756	$ 1,438,513
Savings Deposits	831,952	757,166
Certificates and Other Time Deposits of $100,000 or more	236,470	264,787
Other Certificates and Time Deposits	502,927	551,247
Brokered Deposits	128,278	122,942
Total Deposits	$ 3,346,383	$ 3,134,655

Deposits - Schedule of Deposit Contractual Maturities, Excluding Demand and Savings (Details) $ in Thousands	Dec. 31, 2012 USD ($)
Banking and Thrift [Abstract]
2013	$ 539,426
2014	163,982
2015	54,995
2016	61,048
2017	28,138
After 2017	20,086
Total	$ 867,675

Borrowings - Schedule of Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Debt Disclosure [Abstract]
Federal Funds Purchased	$ 18,862
Securities Sold Under Repurchase Agreements	141,828	$ 156,305
Federal Home Loan Bank Advances	94,238	138,095
Subordinated Debentures and Term Loans	112,161	194,974
Total Borrowings	$ 367,089	$ 489,374

- Definition

The carrying value as of the balance sheet date of securities that an institution sells and agrees to repurchase (the identical or substantially the same securities) as a seller-borrower at a specified date for a specified price, also known as a repurchase agreement, or repo. Most repos involve obligations of the federal government or its agencies, but other financial instruments, such as commercial paper, banker's acceptances, and negotiable certificates of deposit, are sometimes used in repos.

+ References + Details

Borrowings - Schedule of Securites Sold Under Repurchase Agreements (Details) - Securities Sold Under Repurchase Agreements - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Debt Instrument [Line Items]
Maximum Amount Outstanding During Period	$ 160,127	$ 162,315
Average Outstanding Amount	$ 144,555	$ 120,415

Borrowings - Schedule of Federal Home Loan Bank Advances (Details) - USD ($) $ in Millions	Dec. 31, 2012	Dec. 31, 2011
Debt Disclosure [Abstract]
Putable advances included in the outstanding balance to Federal Home Loan Bank	$ 0	$ 48

Borrowings - Schedule of Maturities of Long Term Debt (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Securities Sold Under Repurchase Agreements
Debt Instrument [Line Items]
2013	$ 131,828
2014	10,000
Total	141,828
Federal Home Loan Bank Advances
Debt Instrument [Line Items]
2013	1,619
2014	26,506
2015	30,986
2016	28,933
2017	2,731
After 2017	3,463
Total	94,238
Subordinated Debentures and Term Loans
Debt Instrument [Line Items]
2013	459
2015	55,000
After 2017	56,702
Total	$ 112,161	$ 194,974

Borrowings - Collateral Agreement With Federal Home Loans Bank (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($)
Debt Instrument [Line Items]
Interest Rate, Minimum	0.86%
Interest Rate, Maximum	6.81%
Total available remaining borrowing capacity from FHLB	$ 217,275
Minimum
Debt Instrument [Line Items]
Required value of assets pledged as collateral as a percentage to outstanding advances	155.00%

Borrowings - Narrative (Details) - USD ($)					4 Months Ended	12 Months Ended
Borrowings - Narrative (Details) - USD ($)	Aug. 22, 2012	Sep. 09, 2011	Feb. 22, 2011	Jun. 30, 2010	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010	Sep. 15, 2012	Mar. 31, 2009	Jul. 02, 2007	Mar. 02, 2003
Debt Instrument [Line Items]
Private Stock Issuance (shares)		2,822,000
Proceeds received by the Trust in connection with the issuance of common securities to the Corporation						$ 21,165,000	$ 24,150,000
Subordinated Debentures and Term Loans
Debt Instrument [Line Items]
Total Debt					$ 112,161,000	$ 194,974,000
Subordinated Debt \| First Merchant Capital Trust II
Debt Instrument [Line Items]
Debt face amount										$ 56,702,000
Interest rate on senior notes								6.495%
Description of variable rate basis					three-month LIBOR
Basis spread on variable rate					1.56%
Junior Subordinated Debt \| CNBC Statutory Trust I
Debt Instrument [Line Items]
Debt face amount	$ 4,124,000										$ 4,124,000
Interest rate on senior notes											10.20%
The redemption price of the debt, percentage	104.59%		105.10%
Junior Subordinated Debt \| First Merchant Capital Trust III
Debt Instrument [Line Items]
Debt face amount				$ 47,835,000
Senior Notes
Debt Instrument [Line Items]
Debt face amount									$ 79,000,000
Interest rate on senior notes									2.625%
Effective rate on debt						3.812%
Revolving Credit Facility \| Line of Credit \| Bank Of America, N.A.
Debt Instrument [Line Items]
Line of credit maximum borrowing capacity					$ 55,000,000	$ 55,000,000
The minimum return on average total assets covenent, percentage						0.75%
Term Loan \| Line of Credit \| Bank Of America, N.A.
Debt Instrument [Line Items]
Line of credit maximum borrowing capacity					5,000,000	$ 5,000,000
Amount due in the event of a default					$ 5,000,000	$ 5,000,000
The default rate percentage (per annum) on debt instrument					3.00%	3.00%
Subordinated Debt \| Line of Credit \| Bank Of America, N.A.
Debt Instrument [Line Items]
Line of credit maximum borrowing capacity					$ 50,000,000	$ 50,000,000
United States Department of Treasury \| Series A Preferred Stock
Debt Instrument [Line Items]
Number of shares exchanged related to the Exchange Agreement with the U.S Treasury				46,400
United States Department of Treasury \| Trust Preferred Securities \| First Merchant Capital Trust III
Debt Instrument [Line Items]
Private Stock Issuance (shares)				46,400
Parent Company \| Common Stock \| First Merchant Capital Trust III
Debt Instrument [Line Items]
Private Stock Issuance (shares)				1,435
Proceeds received by the Trust in connection with the issuance of common securities to the Corporation				$ 1,400,000

Derivative Financial Instruments - Fair Value of Derivative Financial Instruments and Their Classification on Balance Sheet (Detail) - Interest Rate Contract - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Designated as Hedging Instrument \| Other Assets
Derivatives, Fair Value [Line Items]
Asset derivatives	$ 197	$ 424
Designated as Hedging Instrument \| Other Liabilities
Derivatives, Fair Value [Line Items]
Liability derivatives	3,332	2,305
Not Designated as Hedging Instrument \| Other Assets
Derivatives, Fair Value [Line Items]
Asset derivatives	6,103	5,241
Not Designated as Hedging Instrument \| Other Liabilities
Derivatives, Fair Value [Line Items]
Liability derivatives	$ 6,434	$ 5,492

Derivative Financial Instruments - Additional Information (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($)
Derivative [Line Items]
Termination value of derivatives in a net liability position	$ 9,970
Derivative collateral posted	9,477
Not Designated as Hedging Instrument
Derivative [Line Items]
Notional amount of interest rate derivatives	160,776
Cash Flow Hedging
Derivative [Line Items]
Estimated amount to be transferred from OCI to earnings	$ 765

Derivative Financial Instruments - Effect of Derivative Financial Instruments on Income Statement (Detail) - Not Designated as Hedging Instrument - Interest Rate Contract - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Other Income
Derivative [Line Items]
Amount of Gain (Loss) Recognized Income on Derivative	$ (79)	$ (94)
Cash Flow Hedging
Derivative [Line Items]
Amount of Loss Recognized in Other Comprehensive Income on Derivative (Effective Portion)	(1,466)	$ (3,274)
Cash Flow Hedging \| Interest Expense
Derivative [Line Items]
Amount of Loss Reclassified from Other Comprehensive Income Into Income (Effective Portion)	$ (217)

- Definition

The amount of net gains and losses recognized in income during the period on derivative instruments designated and qualifying as hedging instruments in fair value hedges and related hedged items designated and qualifying in fair value hedges, on derivative instruments designated and qualifying as hedging instruments in cash flow hedges, and on derivative instruments not designated as hedging instruments.

+ References + Details

Derivative Financial Instruments Derivative Financial Instruments - Cash Flow Interest Rate Risk (Details) $ in Millions	Dec. 31, 2012 USD ($) InterestRateCap InterestRateSwap	Dec. 31, 2011 USD ($) InterestRateCap InterestRateSwap
Interest Rate Swap
Derivative [Line Items]
Number of Interest Rate Derivatives Held \| InterestRateSwap	2	2
Notional amount of interest rate derivatives	$ 26	$ 26
Interest rate cap
Derivative [Line Items]
Number of Interest Rate Derivatives Held \| InterestRateCap	1	1
Notional amount of interest rate derivatives	$ 13	$ 13

Fair Value of Financial Instruments - Disclosures About Fair Value of Assets and Liabilities - Additional Information (Detail) - Significant Unobservable Inputs (Level 3) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Trust preferred securities, carrying value	$ 6,100
Trust preferred securities, fair value	194
Other-than-temporary impairment ("OTTI") loss	$ 104

Fair Value of Financial Instruments - Fair Value Measurements of Assets and Liabilities Measured at Fair Value on Recurring Basis (Detail) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Fair Value \| Interest rate swap liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Liability derivatives	$ 9,766	$ 7,797
Fair Value \| U.S. Government-sponsored agency securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	4,640	117
Fair Value \| State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	158,194	147,353
Fair Value \| U.S. Government-sponsored mortgage-backed securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	348,579	368,998
Fair Value \| Corporate obligations
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	224	193
Fair Value \| Equity securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	1,706	1,830
Fair Value \| Interest rate swap asset
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Asset derivatives	6,103	5,241
Fair Value \| Interest rate cap
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Asset derivatives	197	424
Significant Other Observable Inputs (Level 2) \| Interest rate swap liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Liability derivatives	9,766
Significant Other Observable Inputs (Level 2) \| U.S. Government-sponsored agency securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	4,640	117
Significant Other Observable Inputs (Level 2) \| State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	140,094	126,712
Significant Other Observable Inputs (Level 2) \| U.S. Government-sponsored mortgage-backed securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	348,579	368,998
Significant Other Observable Inputs (Level 2) \| Equity securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	1,702	1,826
Significant Other Observable Inputs (Level 2) \| Interest rate swap asset
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Asset derivatives	6,103
Significant Other Observable Inputs (Level 2) \| Interest rate cap
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Asset derivatives	197
Significant Unobservable Inputs (Level 3) \| Interest rate swap liability
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Liability derivatives		7,797
Significant Unobservable Inputs (Level 3) \| State and municipal
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	18,100	20,641
Significant Unobservable Inputs (Level 3) \| Corporate obligations
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	224	193
Significant Unobservable Inputs (Level 3) \| Equity securities
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Available for sale securities	$ 4	4
Significant Unobservable Inputs (Level 3) \| Interest rate swap asset
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Asset derivatives		5,241
Significant Unobservable Inputs (Level 3) \| Interest rate cap
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Asset derivatives		$ 424

Fair Value of Financial Instruments - Reconciliation of Beginning and Ending Balances of Recurring Fair Value Measurements using Significant Unobservable Level 3 Inputs (Detail) - Fair Value, Measurements, Recurring - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Interest rate swap liability
Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of the period	$ 7,797	$ 3,876
Total realized and unrealized gains and losses:
Included in net income	(863)	3,921
Transfers in/(out) of Level 3	(6,934)
Balance at end of the period		7,797
Available-for-sale Securities
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of the period	20,838	186
Total realized and unrealized gains and losses
Included in net income		(400)
Included in other comprehensive income	(1,141)	2,029
Transfers in/(out) of Level 3		18,711
Principal payments	(1,369)	(312)
Balance at end of the period	18,328	20,838
Interest rate swap asset
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of the period	5,241	4,002
Total realized and unrealized gains and losses
Included in net income	(860)	3,827
Included in other comprehensive income	481	(2,588)
Transfers in/(out) of Level 3	(4,862)
Balance at end of the period		5,241
Interest rate cap
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]
Balance at beginning of the period	424	1,109
Total realized and unrealized gains and losses
Included in other comprehensive income	(15)	(685)
Transfers in/(out) of Level 3	(409)
Balance at end of the period		$ 424

Fair Value of Financial Instruments - Transfer Between Levels 1, 2 and 3 and Reasons For Those Transfers (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Reason for Transfer	The interest rate swap and cap instruments were transferred from Level 3 to Level 2 as of March 31, 2012 due to the availability of additional valuation information. These instruments are valued using widely accepted valuation techniques including discounted cash flow analysis using observable inputs such as contractual terms and LIBOR-based rate curves.
Significant Other Observable Inputs (Level 2) \| Interest rate swap liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Transfer between Levels 1, 2 and 3	$ 6,934
Significant Other Observable Inputs (Level 2) \| Interest rate swap asset
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Transfer between Levels 1, 2 and 3	4,862
Significant Other Observable Inputs (Level 2) \| Interest rate cap
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Transfer between Levels 1, 2 and 3	409
Significant Unobservable Inputs (Level 3) \| Interest rate swap liability
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Transfer between Levels 1, 2 and 3	(6,934)
Significant Unobservable Inputs (Level 3) \| Interest rate swap asset
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Transfer between Levels 1, 2 and 3	(4,862)
Significant Unobservable Inputs (Level 3) \| Interest rate cap
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Transfer between Levels 1, 2 and 3	$ (409)

Fair Value of Financial Instruments - Valuation Methodologies Used for Instruments Measured at Fair Value on Non-Recurring Basis (Detail) - Fair Value, Measurements, Nonrecurring - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Fair Value \| Impaired Loans (collateral dependent)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	$ 17,703	$ 22,885
Fair Value \| Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	7,684	7,882
Significant Unobservable Inputs (Level 3) \| Impaired Loans (collateral dependent)
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	17,703	22,885
Significant Unobservable Inputs (Level 3) \| Other real estate owned
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Asset fair value	$ 7,684	$ 7,882

Fair Value of Financial Instruments - Unobservable Inputs Used in Recurring and Nonrecurring Level 3 Fair Value Measurements Other Than Goodwill (Detail) $ in Thousands	12 Months Ended
	Dec. 31, 2012 USD ($)
Discounted Cash Flow \| State and municipal securities
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 18,100
Discounted Cash Flow \| State and municipal securities \| Minimum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Maturity/Call date	1 month
Blend of US Muni BQ curve	A-
Discount rate	1.00%
Discounted Cash Flow \| State and municipal securities \| Maximum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Maturity/Call date	11 years
Blend of US Muni BQ curve	BBB-
Discount rate	4.00%
Discounted Cash Flow \| Corporate Bonds and Notes
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 228
Discounted Cash Flow \| 3 month libor \| Corporate Bonds and Notes
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Premium for illiquidity	2.00%
Collateral Based Measurements \| Impaired loans (collateral dependent)
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 17,703
Collateral Based Measurements \| Impaired loans (collateral dependent) \| Minimum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Discount to reflect current market conditions and ultimate collectability	0.00%
Collateral Based Measurements \| Impaired loans (collateral dependent) \| Maximum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Discount to reflect current market conditions and ultimate collectability	50.00%
Appraisals \| Other real estate owned
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Fair Value	$ 7,684
Appraisals \| Other real estate owned \| Minimum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Discount to reflect current market conditions	0.00%
Appraisals \| Other real estate owned \| Maximum
Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Line Items]
Discount to reflect current market conditions	20.00%

Fair Value of Financial Instruments - Estimated Fair Values of Financial Instruments (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Carrying (Reported) Amount
Assets:
Cash and due from banks	$ 101,460	$ 73,312
Interest-bearing time deposits	38,443	52,851
Investment securities available for sale	513,343	518,491
Investment securities held to maturity	361,020	427,909
Mortgage loans held for sale	22,300	17,864
Loans	2,832,843	2,642,517
Federal Reserve Bank and Federal Home Loan Bank stock	32,785	31,270
Interest rate swap asset	6,300	5,665
Interest receivable	16,367	17,723
Liabilities:
Deposits	3,346,383	3,134,655
Borrowings:
Federal funds purchased	18,862
Securities sold under repurchase agreements	141,828	156,305
Federal Home Loan Bank advances	94,238	138,095
Subordinated debentures, revolving credit lines and term loans	112,161	194,974
Interest rate swap liability	9,766	7,797
Interest payable	1,841	2,925
Quoted Prices in Active Markets for Identical Assets (Level 1)
Assets:
Cash and due from banks	101,460	73,312
Interest-bearing time deposits	38,443	52,851
Liabilities:
Deposits	2,478,706	2,195,679
Significant Other Observable Inputs (Level 2)
Assets:
Investment securities available for sale	495,015	497,653
Investment securities held to maturity	366,590	428,737
Mortgage loans held for sale	22,300	17,864
Federal Reserve Bank and Federal Home Loan Bank stock	32,785	31,270
Interest rate swap asset	6,300
Interest receivable	16,367	17,723
Liabilities:
Deposits	865,793	944,078
Borrowings:
Federal funds purchased	18,862
Securities sold under repurchase agreements	142,318	157,342
Federal Home Loan Bank advances	97,357	141,693
Subordinated debentures, revolving credit lines and term loans	62,133	142,632
Interest rate swap liability	9,766
Interest payable	1,841	2,925
Significant Unobservable Inputs (Level 3)
Assets:
Investment securities available for sale	18,328	20,838
Investment securities held to maturity	11,584	13,732
Loans	$ 2,852,614	2,658,227
Interest rate swap asset		5,665
Borrowings:
Interest rate swap liability		$ 7,797

Committments and Contingent Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Loan Commitments to Extend Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Amounts of committments	$ 873,455	$ 619,901
Standby Letters of Credit
Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]
Amounts of committments	$ 21,734	$ 28,665

Stockholders' Equity (Details) $ / shares in Units, shares in Thousands		12 Months Ended
	Sep. 09, 2011 USD ($) investors $ / shares shares	Dec. 31, 2012 USD ($)	Dec. 31, 2011 USD ($)	Dec. 31, 2010 USD ($)	Dec. 31, 2009 USD ($)
Class of Stock [Line Items]
Stockholders Equity, Subsidiaries		$ 552,236,000	$ 514,467,000	$ 454,408,000	$ 463,785,000
Stockholders' Equity restricted from dividend distribution		561,565,000
Dividend reinvestment and stock purchase plan, Stockholder's maximum amount of cash payments per quarter in purchase of common stock		2,500
Common stock number of investors in purchase securities agreement \| investors	2
Number of new stock issued during the period (shares) \| shares	2,822
Proceeds from Issuance of Common Stock	$ 21,165,000
Sale of stock (usd per share) \| $ / shares	$ 7.50
Subsidiaries
Class of Stock [Line Items]
Amount Available for Dividend Distribution without Affecting Capital Adequacy Requirements		70,704,000
Stockholders Equity, Subsidiaries		$ 632,269,000

Stockholders' Equity - Schedule of Preferred Stock Transactions (Details)					12 Months Ended
	Nov. 23, 2011 USD ($) $ / warrant shares	Sep. 22, 2011 USD ($) directors letter payment $ / shares shares	Sep. 09, 2011 USD ($) shares	Jun. 30, 2010 USD ($) $ / shares shares	Dec. 31, 2012 USD ($)	Dec. 31, 2011 USD ($)	Dec. 31, 2010 USD ($)
Class of Stock [Line Items]
Number of new stock issued during the period (shares) \| shares			2,822,000
Proceeds received by the Trust in connection with the issuance of common securities to the Corporation						$ 21,165,000	$ 24,150,000
Gain on retirement of preferred stock				$ 10,100,000
The number of Repurchase Letters the Corporation entered into with the Treasury \| letter		2
Preferred stock issued under Small Business Lending Fund						90,783,000
Cash			$ 25,813,171
Proceeds from Issuance of Common Stock			$ 21,165,000
Total redemption price of the Series B Preferred Stock		$ 116,596,111			$ 235,000	126,000	$ 76,000
Repurchase of warrant, number of common shares available \| shares	991,453
Exercise price of warrant \| $ / warrant	17.55
The price paid to acquire the Warrant at a private auction conduction by the Treasury	$ 367,500					$ 368,000
Series B Preferred Stock
Class of Stock [Line Items]
Number of new stock issued during the period (shares) \| shares		90,782.94
Liquidation preference amount (per share) \| $ / shares		$ 1,000
Proceeds received by the Trust in connection with the issuance of common securities to the Corporation		$ 90,782,940
Lending incentive fee annual percentage		2.00%
Series B Preferred Stock minimum outstanding aggregate liquidation amount		$ 25,000,000
The redemption price of the Series B Preferred Stock, as a percentage of the liquidation amount		100.00%
Preferred stock issued under Small Business Lending Fund		$ 90,782,940
Series B Preferred Stock \| Right To Appoint Representative As observer To Board Of Directors
Class of Stock [Line Items]
Series B Preferred stock, number of missed dividend payments \| payment		5
Series B Preferred Stock \| Right To Designate Director To Board Of Directors
Class of Stock [Line Items]
Series B Preferred stock, number of missed dividend payments \| payment		6
The number of directors that can be designated to the Board of Directors by Series B Preferred Shareholders \| directors		2
Series B Preferred Stock \| Initial Period
Class of Stock [Line Items]
Dividend rate of the Series B Preferred Stock		5.00%
Series B Preferred Stock \| Divident Rate, Second Through Tenth Period \| Minimum
Class of Stock [Line Items]
Dividend rate of the Series B Preferred Stock		1.00%
Series B Preferred Stock \| Divident Rate, Second Through Tenth Period \| Maximum
Class of Stock [Line Items]
Dividend rate of the Series B Preferred Stock		5.00%
Series B Preferred Stock \| Eleventh Period Through Nineteeth Period Up To Four and One Half Year Anniversary Of Date Of Issuance \| Minimum
Class of Stock [Line Items]
Dividend rate of the Series B Preferred Stock		1.00%
Series B Preferred Stock \| Eleventh Period Through Nineteeth Period Up To Four and One Half Year Anniversary Of Date Of Issuance \| Maximum
Class of Stock [Line Items]
Dividend rate of the Series B Preferred Stock		7.00%
Series B Preferred Stock \| Dividend Rate, Period Subsequent To Four And One Half Year Anniversary Of Date Of Issuance
Class of Stock [Line Items]
Dividend rate of the Series B Preferred Stock		9.00%
United States Department of Treasury
Class of Stock [Line Items]
The number of common shares of the Corporation that can be purchased with the Warrant, held by the Treasury \| shares				991,453
United States Department of Treasury \| Series A Preferred Stock
Class of Stock [Line Items]
Number of shares exchanged related to the Exchange Agreement with the U.S Treasury \| shares				46,400
Preferred Stock, outstanding \| shares		69,600		69,600
United States Department of Treasury \| Trust Preferred Securities
Class of Stock [Line Items]
Preferred Stock, outstanding \| shares		46,400
First Merchant Capital Trust III \| Fixed Rate Perpetual Junior Subordinated Debentures
Class of Stock [Line Items]
Junior Subordinated Debentures, Fixed Rate Perpetual, Series A, Amount				$ 47,800,000
First Merchant Capital Trust III \| Interest Rate, Through February 20, 2014 \| Junior Subordinated Debt \| Fixed Rate Perpetual Junior Subordinated Debentures
Class of Stock [Line Items]
Interest rate on senior notes				5.00%
First Merchant Capital Trust III \| Interest Rate, Thereafter \| Junior Subordinated Debt \| Fixed Rate Perpetual Junior Subordinated Debentures
Class of Stock [Line Items]
Interest rate on senior notes				9.00%
First Merchant Capital Trust III \| United States Department of Treasury
Class of Stock [Line Items]
Liquidation preference amount (per share) \| $ / shares				$ 1,000
First Merchant Capital Trust III \| United States Department of Treasury \| Trust Preferred Securities
Class of Stock [Line Items]
Number of new stock issued during the period (shares) \| shares				46,400
First Merchant Capital Trust III \| Parent Company \| Common Stock
Class of Stock [Line Items]
Number of new stock issued during the period (shares) \| shares				1,435
Proceeds received by the Trust in connection with the issuance of common securities to the Corporation				$ 1,400,000

Regulatory Capital (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk-weighted Assets), Actual Amount	$ 526,792	$ 487,393
Total Capital (to Risk-weighted Assets) Actual Ratio	16.34%	16.54%
Total Capital (to RIsk-weighted Assets) Required for Adequate Capital, Amount	$ 257,927	$ 235,781
Total Capital (to Risk-weighted Assets) Required for Adequate Capital, Ratio	8.00%	8.00%
Tier I Capital (to Risk-weighted Assets), Actual Amount	$ 456,132	$ 410,132
Tier I Capital (to Risk-weighted Assets), Ratio	14.15%	13.92%
Tier I Capital (to Risk-weighted Assets) Required for Adequate Capital, Amount	$ 128,964	$ 117,890
Tier I Capital (to Risk-weighted Assets) Required for Adequate Capital, Ratio	4.00%	4.00%
Tier I Capital (to Average Assets), Actual	$ 456,132	$ 410,132
Tier I Capital (to Average Assets), Ratio	11.03%	10.17%
Tier I Capital (to Average Assets) Required for Adequate Capital, Amount	$ 165,460	$ 161,350
Tier I Capital (to Average Assets) Required for Adequate Capital, Ratio	4.00%	4.00%
First Merchants
Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]
Total Capital (to Risk-weighted Assets) Well Capitalized Ratio	10.00%
Tier I Capital (to Risk-weighted Assets) Well Capitalized Ratio	6.00%
Tier I Capital (to Average Assets) Well Capitalized Ratio	5.00%
Total Capital (to Risk-weighted Assets), Actual Amount	$ 515,337	$ 477,805
Total Capital (to Risk-weighted Assets) Actual Ratio	16.01%	16.26%
Total Capital (to RIsk-weighted Assets) Required for Adequate Capital, Amount	$ 257,446	$ 235,089
Total Capital (to Risk-weighted Assets) Required for Adequate Capital, Ratio	8.00%	8.00%
Tier I Capital (to Risk-weighted Assets), Actual Amount	$ 474,782	$ 440,909
Tier I Capital (to Risk-weighted Assets), Ratio	14.75%	15.00%
Tier I Capital (to Risk-weighted Assets) Required for Adequate Capital, Amount	$ 128,723	$ 117,545
Tier I Capital (to Risk-weighted Assets) Required for Adequate Capital, Ratio	4.00%	4.00%
Tier I Capital (to Average Assets), Actual	$ 474,782	$ 440,909
Tier I Capital (to Average Assets), Ratio	11.50%	10.96%
Tier I Capital (to Average Assets) Required for Adequate Capital, Amount	$ 165,124	$ 160,848
Tier I Capital (to Average Assets) Required for Adequate Capital, Ratio	4.00%	4.00%

Loan Servicing (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Banking and Thrift [Abstract]
Unpaid Principal Balance Of Loans Serviced For Others	$ 167,879	$ 136,867	$ 163,139

Share-Based Compensation - Additional Information (Detail) - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Percentage of average closing price to be paid by employees	85.00%
Share-based compensation	$ 1,492	$ 1,315	$ 1,750
Estimated pre-vesting forfeiture rate	5.00%
Weighted-average grant date fair value for stock options	$ 3.97	$ 3.09	$ 2.01
Aggregate intrinsic value of stock options exercised	$ 60
Cash receipts of stock options exercised	78
Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Common stock purchases through advance payroll deductions in a calendar year	$ 25
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Stock option term	10 years
Stock options vesting percentage	100.00%
Estimated pre-vesting forfeiture rate	4.77%	5.00%	5.00%
Unrecognized compensation expense	$ 78
Unrecognized compensation expense expected recognition period	8 months 23 days
Stock Options \| Minimum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vested period	3 months
Stock Options \| Maximum
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vested period	2 years
Restricted Stock
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Vested period	3 years
Unrecognized compensation expense	$ 1,799
Unrecognized compensation expense expected recognition period	1 year 3 months 26 days
Employee Stock Purchase Plan
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Grant date fair value of ESPP options	$ 33

Share-Based Compensation - Assumptions Used in Black Scholes Model (Detail)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Forfeiture rate	5.00%
Stock Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk-free interest rate	1.36%	2.74%	2.38%
Expected price volatility	46.22%	45.43%	43.54%
Dividend yield	3.29%	3.65%	4.02%
Forfeiture rate	4.77%	5.00%	5.00%
Weighted-average expected life, until exercise	7 years 2 months 12 days	6 years 10 months 28 days	6 years 8 months 5 days

Share-Based Compensation - Components of Share Based Compensation Awards (Detail) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Pre-tax compensation expense	$ 1,492	$ 1,315	$ 1,750
Income tax benefit	(451)	(392)	(462)
Share-based compensation expense, net of income taxes	1,041	923	1,288
Stock and ESPP Options
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Pre-tax compensation expense	284	237	632
Income tax benefit	(23)	(21)	(71)
Share-based compensation expense, net of income taxes	261	216	561
Restricted Stock Awards
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Pre-tax compensation expense	1,208	1,078	1,118
Income tax benefit	(428)	(371)	(391)
Share-based compensation expense, net of income taxes	$ 780	$ 707	$ 727

- Definition

Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.

+ References + Details

Share Based Compensation - Stock Option Activity under Stock Option Plans (Detail)	12 Months Ended
	Dec. 31, 2012 USD ($) $ / shares shares
Number of Shares
Beginning balance (in shares) \| shares	1,035,871
Granted (in shares) \| shares	46,801
Exercised (in shares) \| shares	(10,500)
Cancelled (in shares) \| shares	(165,536)
Ending balance (in shares) \| shares	906,636
Vested and Expected to Vest at December 31, 2012 (in shares) \| shares	906,636
Exercisable at December 31, 2012 (in shares) \| shares	838,586
Weighted-Average Exercise Price
Beginning balance (usd per share) \| $ / shares	$ 22.57
Granted (usd per share) \| $ / shares	11.69
Exercised (usd per share) \| $ / shares	7.39
Cancelled (usd per share) \| $ / shares	25.87
Ending balance (usd per share) \| $ / shares	21.58
Vested and Expected to Vest at December 31, 2012 (usd per share) \| $ / shares	21.58
Exercisable at December 31, 2012 (usd per share) \| $ / shares	$ 22.61
Weighted Average Remaining Contractual Term
Outstanding December 31, 2012	4 years 29 days
Vested and Expected to Vest at December 31, 2012	4 years 29 days
Exercisable at December 31, 2012	3 years 7 months 17 days
Aggregate Intrinsic Value
Outstanding December 31, 2012 \| $	$ 1,046,301
Vested and Expected to Vest at December 31, 2012 \| $	1,046,301
Exercisable at December 31, 2012 \| $	$ 721,758

Share-Based Compensation - Unvested RSAs Outstanding (Detail) - Restricted Stock	12 Months Ended
	Dec. 31, 2012 $ / shares shares
Number of Shares
Unvested RSAs at January 1, 2012 (in shares) \| shares	338,087
Granted (in shares) \| shares	160,089
Forfeited (in shares) \| shares	(86,326)
Vested (in shares) \| shares	(10,475)
Unvested RSAs at December 31, 2012 (in shares) \| shares	401,375
Weighted-Average Grant Date Fair Value
Unvested RSAs at January 1, 2012 (usd per share) \| $ / shares	$ 8.65
Granted (usd per share) \| $ / shares	11.86
Forfeited (usd per share) \| $ / shares	11.41
Vested (usd per share) \| $ / shares	9.36
Unvested RSAs at December 31, 2012 (usd per share) \| $ / shares	$ 9.29

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Narrative (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Compensation and Retirement Disclosure [Abstract]
Percentage of employees covered by plan	29.00%
Minimum Participant Attained Age	55 years
Requisite Service Period	10 years
Accumulated Benefit Obligation	$ 69,139	$ 68,729

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Schedule of Changes in Benefit Obligation, and Plan Assets, Funded Status of the Plan, Assets and Liabilities Recognized in the Balance Sheets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Defined Benefit Plan, Change in Benefit Obligation [Roll Forward]
Benefit obligation at beginning of year	$ 68,769	$ 61,422
Service Cost	161	252
Interest Cost	2,990	3,208
Actuarial Loss (Gain)	3,168	7,346
Benefits paid	(5,922)	(3,459)
Benefit obligation at end of year	69,166	68,769
Defined Benefit Plan, Change in Fair Value of Plan Assets [Roll Forward]
Fair value of plan assets at beginning of year	62,078	63,275
Actual return on plan assets	6,141	1,726
Employer contributions	568	536
End of Year	62,865	62,078
Funded Status at End of Year	(6,301)	(6,691)
Assets and Liabilities Recognized in the Balance Sheets:
Deferred Tax Asset	9,200	10,928
Liabilities	6,301	6,691
Amounts Recognized In Accumulated Other Comprehensive Income Not Yet Recognized As A Component of Net Periodic Pension Cost [Abstract]
Accumulated Loss	(17,085)	(16,310)
Prior Service Credit	(41)	(56)
Total	$ (17,126)	$ (16,366)

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Schedule of Accumulated Benefit Obligation in Excess of Plan Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011
Compensation and Retirement Disclosure [Abstract]
Projected Benefit Obligation	$ 69,166	$ 68,769
Accumulated Benefit Obligation	69,139	68,729
Fair Value of Plan Assets	$ 62,865	$ 62,078

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Schedule of Net Periodic Benefit Costs (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Compensation and Retirement Disclosure [Abstract]
Service Cost	$ 161	$ 252
Interest Cost	2,990	3,208
Expected Return on Plan Assets	(4,216)	(4,313)
Amortization of Prior Service Cost	25	25
Amortization of Net Loss	2,207	1,129
Net Periodic Pension Cost	$ 1,167	$ 301

- Definition

An amount calculated as a basis for determining the extent of delayed recognition of the effects of changes in the fair value of assets. The expected return on plan assets is determined based on the expected long-term rate of return on plan assets and the market-related value of plan assets.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 30
-Glossary Expected Return on Plan Assets
-URI http://asc.fasb.org/extlink&oid=6512136

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 60
-Glossary Expected Return on Plan Assets
-URI http://asc.fasb.org/extlink&oid=6512171

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (h)(3)
-URI http://asc.fasb.org/extlink&oid=21915506&loc=d3e1928-114920

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 87
-Paragraph 264
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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

Reference 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.

+ Details

- Definition

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

+ References + Details

- Definition

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

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Service Cost (Component of Net Periodic Pension Cost)
-URI http://asc.fasb.org/extlink&oid=6525008

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (h)(1)
-URI http://asc.fasb.org/extlink&oid=21915506&loc=d3e1928-114920

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=21915506&loc=d3e1928-114920

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 87
-Paragraph 264
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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

Reference 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.

+ Details

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Other Comprehensive Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Defined Benefit Plan Disclosure [Line Items]
Net Periodic Pension Cost	$ 1,167	$ 301
Pension Plans
Defined Benefit Plan Disclosure [Line Items]
Net Periodic Pension Cost	1,167	301
Net gain (loss)	(1,242)	(9,933)
Actuarial gain (loss)	2,207	1,129
Amortization of prior service (cost) credit	(25)	(25)
Total Recognized in Other Comprehensive Income	(990)	8,779
Total Recognized in NPPC and OCI	$ 177	$ 9,080

- Definition

Before tax amount of the income statement impact of the reclassification adjustment for prior service costs recognized as a component of net period benefit cost.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 10A
-Subparagraph (j)
-URI http://asc.fasb.org/extlink&oid=20435746&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=20435746&loc=d3e637-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (i)
-URI http://asc.fasb.org/extlink&oid=21915506&loc=d3e1928-114920

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 130
-Paragraph 17, 19, 24
-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 158
-Paragraph 7
-Subparagraph a
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher AICPA
-Name Accounting Research Bulletin (ARB)
-Number 51
-Paragraph 38
-Subparagraph c(3)
-LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.

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

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

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Amount To Be Amortized From Accumulated Other Comprehensive Income, Next Fiscal Year (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Pension and Other Postretirement Benefit Plans, Amounts that Will be Amortized from Accumulated Other Comprehensive Income (Loss) in Next Fiscal Year [Abstract]
Amortization of Net Loss	$ (2,158)	$ (2,319)
Amortization of Prior Service Cost	(25)	(25)
Total	$ (2,183)	$ (2,344)

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Schedule of Weighted Average Assumptions Used to Determine Benefit Obligation and Benefit Cost (Details)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Weighted-average Assumptions Used to Determine Benefit Obligation:
Discount Rate	4.00%	4.50%
Rate of Compensation Increase for accruing active participants	3.00%	4.00%
Weighted-average Assumptions Used to Determine Benefit Cost:
Discount Rate	4.50%	5.40%
Expected Return on Plan Assets	7.00%	7.00%
Rate of Compensation Increase for accruing active participants	4.00%	4.00%

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Schedule of Maturities of Plan's Debt Securities (In Years) (Details) - Debt securities	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Minimum
Defined Benefit Plan Disclosure [Line Items]
Maturities of debt securities	31 days	45 days
Maximum
Defined Benefit Plan Disclosure [Line Items]
Maturities of debt securities	9 years 29 days	10 years 9 months 29 days
Weighted Average
Defined Benefit Plan Disclosure [Line Items]
Maturities of debt securities	4 years 11 months 19 days	5 years 4 months 17 days

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Schedule of Expected Future Benefit Payments (Details) $ in Thousands	Dec. 31, 2012 USD ($)
Compensation and Retirement Disclosure [Abstract]
2013	$ 3,984
2014	4,110
2015	4,236
2016	4,219
2017	4,201
After 2017	21,414
Total	$ 42,164

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Schedule of Plan Assets by Category (Details)	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
Defined Benefit Plan Disclosure [Line Items]
Actual Plan Asset Allocations	100.00%	100.00%
Target Plan Asset Allocations	100.00%	100.00%
Cash and cash equivalents
Defined Benefit Plan Disclosure [Line Items]
Actual Plan Asset Allocations	1.30%	3.20%
Target Plan Asset Allocations	3.00%	3.00%
Equity securities
Defined Benefit Plan Disclosure [Line Items]
Actual Plan Asset Allocations	53.70%	49.70%
Target Plan Asset Allocations	51.00%	51.00%
Debt securities
Defined Benefit Plan Disclosure [Line Items]
Actual Plan Asset Allocations	43.00%	45.50%
Target Plan Asset Allocations	44.00%	44.00%
Alternative investments
Defined Benefit Plan Disclosure [Line Items]
Actual Plan Asset Allocations	2.00%	1.60%
Target Plan Asset Allocations	2.00%	2.00%

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Retirement and Income Savings Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Schedule of Defined Contribution Plans Disclosures [Line Items]
Amount of discretionary contributions made by employer to defined contribution plan, percent	50.00%
Maximum Annual Contribution Per Employee, Percent	6.00%
Requisite Service Period	1000 hours
Vesting Period	5 years
Expense Recognized In The Period	$ 2,914	$ 2,824	$ 2,728
Minimum
Schedule of Defined Contribution Plans Disclosures [Line Items]
Defined Contribution Plan, Employer Discretionary Contribution, Percent	2.00%
Maximum
Schedule of Defined Contribution Plans Disclosures [Line Items]
Defined Contribution Plan, Employer Discretionary Contribution, Percent	7.00%

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Health Insurance Plan (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Schedule Of Postemployment Plan [Line Items]
Percentange of the Premiums Paid By Plan Participants	100.00%
Accrued Benefits Payable	$ 4,035	$ 4,116
Post retirement plan expense	$ 477	$ 528	$ 574
Minimum
Schedule Of Postemployment Plan [Line Items]
Age of Plan Participants	55 years
Maximum
Schedule Of Postemployment Plan [Line Items]
Age of Plan Participants	65 years

- Definition

This represents the entire liability recognized in the balance sheet that is associated with other postretirement defined benefit plans (excluding pension plans).

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=21915506&loc=d3e1928-114920

Reference 2: 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=21915506&loc=d3e2410-114920

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.15)
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 715
-SubTopic 20
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=21915240&loc=d3e1703-114919

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.15)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 6: 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=21915506&loc=d3e2417-114920

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 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 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Statement of Financial Accounting Standard (FAS)
-Number 132R
-Paragraph 5
-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.

+ Details

Pension and Other Post Retirement Benefit Plans Pension and Other Post Retirement Benefit Plans - Schedule of Plan Assets by Level (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 62,865	$ 62,078	$ 63,275
Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	45,296
Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	17,569
Cash and cash equivalents \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	795
Cash and cash equivalents \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	795
Corporate Bonds and Notes \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	6,157
Corporate Bonds and Notes \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	6,157
Government Agency and Municipal Bonds and Notes \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	8,642
Government Agency and Municipal Bonds and Notes \| Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	8,642
Certificates of Deposit \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	357
Certificates of Deposit \| Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	357
Preferred \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	52
Preferred \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	52
Common Stock \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	898
Common Stock \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	898
Common Bond Fund \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	4,075
Common Bond Fund \| Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	4,075
Common Equity Fund \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	4,495
Common Equity Fund \| Significant Other Observable Inputs (Level 2)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	4,495
Taxable Bond \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	7,409
Taxable Bond \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	7,409
Large Cap Equity \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	16,166
Large Cap Equity \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	16,166
Mid Cap Equity \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	6,772
Mid Cap Equity \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	6,772
Small Cap Equity \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	2,640
Small Cap Equity \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	2,640
International Equity \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	3,178
International Equity \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	3,178
Specialty Alternative Equity \| Fair Value
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	1,229
Specialty Alternative Equity \| Quoted Prices in Active Markets for Identical Assets (Level 1)
Defined Benefit Plan Disclosure [Line Items]
Fair Value of Plan Assets	$ 1,229

Income Tax (Detail) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
Income Tax (Detail) - USD ($) $ in Thousands	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Currently Payable:
Federal									$ (23)	$ 399	$ (1,780)
Deferred:
Federal									15,890	8,256	(1,810)
Total Income Tax Expense	$ 3,153	$ 3,926	$ 3,288	$ 5,500	$ 2,299	$ 2,561	$ 1,396	$ 2,399	15,867	8,655	(3,590)
Reconciliation of Federal Statutory to Actual Tax Expense:
Federal statutory income tax at 35%									21,347	11,867	1,162
Tax-exempt interest income									(3,716)	(3,714)	(3,733)
Non-deductible interest expense										649	421
Stock compensation									76	69	150
Earnings on life insurance									(1,187)	(899)	(725)
Tax credits									(73)	(99)	(116)
Other									(580)	782	(749)
Total Income Tax Expense	$ 3,153	$ 3,926	$ 3,288	$ 5,500	$ 2,299	$ 2,561	$ 1,396	$ 2,399	15,867	8,655	(3,590)
Tax expense applicable to security gains and losses, including unrealized losses relating to other-than-temporary charges									$ 836	$ 714	$ 652

Income Tax (Parenthetical) (Detail)	12 Months Ended
Income Tax (Parenthetical) (Detail)	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Income Tax Disclosure [Abstract]
Federal statutory income tax rate	35.00%	35.00%	35.00%

Income Tax Income Tax - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011
ASSETS
Differences in Accounting for Loan Losses	$ 28,788	$ 29,690
Differences in Accounting for Loan Fees	941	805
Differences in Accounting for Loan And Securities	477
Deferred Compensation	7,181	7,612
Difference in Accounting for Pensions and Other Employee Benefits	1,953	3,750
Federal & State Income Tax Loss Carryforward and Credits	9,356	12,416
Other	9,356	8,796
Total Assets	58,052	63,069
LIABILITIES
Differences in Depreciation Methods	6,050	5,859
Differences in Accounting for Loans and Securities		42
State Income Tax	354	354
Net Unrealized Gains on Securities Available for Sale	7,879	8,118
Gain On FDIC Modified Whole Bank Transaction	2,737
Other	1,051	1,137
Total Liabilities	18,071	15,510
Net Deferred Tax Asset, Before Valuation Allowance	39,981	47,559
Valuation allowance:
Beginning Balance	(15,701)	(13,258)
Increase During the Year	1,842	(2,443)
Ending Balance	(13,859)	(15,701)
Net Deferred Tax Asset	$ 26,122	$ 31,858

Income Tax Income Tax - Valuation Allowance (Details) - USD ($) $ in Thousands	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Valuation Allowance [Line Items]
Valuation Allowance	$ 13,859	$ 15,701	$ 13,258
Deferred State Taxes
Valuation Allowance [Line Items]
Valuation Allowance	$ 13,859

Income Tax Income Tax - Operating Loss Carryforwards (Details) $ in Thousands	Dec. 31, 2012 USD ($)
State and Local Jurisdiction
Operating Loss Carryforwards [Line Items]
State Tax Loss Carryforward	$ 110,065

Net Income Per Share (Detail) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								9 Months Ended	12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Sep. 30, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Earnings Per Share [Abstract]
Net income	$ 10,310	$ 11,236	$ 9,205	$ 14,371	$ 7,561	$ 6,742	$ 5,488	$ 5,461		$ 45,122	$ 25,252	$ 6,909
Gain on exchange of preferred stock for trust preferred debt												11,353
Loss on CPP unamortized discount						(1,401)					(1,401)	(1,301)
Loss on extinguishment of trust preferred securities						(10,857)			$ (10,857)		(10,857)
Preferred stock dividends and discount accretion	(1,135)	(1,134)	(1,135)	(1,135)	(1,135)	(868)	(990)	(988)		(4,539)	(3,981)	(5,239)
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 9,175	$ 10,102	$ 8,070	$ 13,236	$ 6,426	$ (6,384)	$ 4,498	$ 4,473		40,583	9,013	11,722
Net income available to common stockholders										$ 40,583	$ 9,013	$ 11,722
Net income available to common stockholders (in shares)	28,673,802	28,649,996	28,624,609	28,582,616	28,540,469	26,367,067	25,656,826	25,605,571		28,632,915	26,550,043	24,519,033
Effect of dilutive stock options and warrants (in shares)										213,769	143,805	123,392
Net income available to common stockholders (in shares)	28,930,392	28,888,076	28,815,019	28,754,713	28,699,505	26,367,067	25,782,799	25,763,378		28,846,684	26,693,848	24,642,425
Basic net income (loss) per share:
Net income (loss) available to common stockholders (usd per share)	$ 0.32	$ 0.35	$ 0.29	$ 0.46	$ 0.24	$ (0.25)	$ 0.18	$ 0.17		$ 1.42	$ 0.34	$ 0.48
Diluted net income (loss) per share:
Net income (loss) available to common stockholders (usd per share)	$ 0.32	$ 0.35	$ 0.28	$ 0.46	$ 0.24	$ (0.25)	$ 0.18	$ 0.17		$ 1.41	$ 0.34	$ 0.48

Net Income Per Share - Additional Information (Detail) - $ / shares	12 Months Ended
	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Earnings Per Share [Abstract]
Stock options not included in the earnings per share calculation (shares)	820,706	1,029,577	1,052,994
Weighted Average Exercise Price (usd per share)	$ 21.58	$ 22.57	$ 23.01

- 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 Accounting Standards Codification
-Glossary Antidilution
-URI http://asc.fasb.org/extlink&oid=6505113

Reference 2: 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 3: 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 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 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 6: 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 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.

Reference 8: 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.

+ Details

Quarterly Results of Operations (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended								9 Months Ended	12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Sep. 30, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Quarterly Financial Information Disclosure [Abstract]
Interest Income	$ 42,964	$ 45,347	$ 44,169	$ 43,469	$ 44,073	$ 45,085	$ 45,721	$ 46,366		$ 175,949	$ 181,245	$ 199,578
Interest Expense	4,699	5,445	6,116	7,353	7,893	9,234	9,874	10,889		23,613	37,890	56,009
NET INTEREST INCOME	38,265	39,902	38,053	36,116	36,180	35,851	35,847	35,477		152,336	143,355	143,569
Provision for loan losses	4,505	4,609	4,545	4,875	5,855	5,556	5,625	5,594		18,534	22,630	46,483
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES	33,760	35,293	33,508	31,241	30,325	30,295	30,222	29,883		133,802	120,725	97,086
Noninterest Income	14,206	14,273	13,165	22,658	12,971	13,230	11,061	11,858		64,302	49,120	48,544
Noninterest Expense	34,503	34,404	34,180	34,028	33,436	34,222	34,399	33,881		137,115	135,938	142,311
INCOME BEFORE INCOME TAX	13,463	15,162	12,493	19,871	9,860	9,303	6,884	7,860		60,989	33,907	3,319
Income tax expense (benefit)	3,153	3,926	3,288	5,500	2,299	2,561	1,396	2,399		15,867	8,655	(3,590)
NET INCOME	10,310	11,236	9,205	14,371	7,561	6,742	5,488	5,461		45,122	25,252	6,909
Loss on CPP unamortized discount						(1,401)					(1,401)	(1,301)
Loss on extinguishment of trust preferred securities						(10,857)			$ (10,857)		(10,857)
Preferred stock dividends	(1,135)	(1,134)	(1,135)	(1,135)	(1,135)	(868)	(990)	(988)		(4,539)	(3,981)	(5,239)
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	$ 9,175	$ 10,102	$ 8,070	$ 13,236	$ 6,426	$ (6,384)	$ 4,498	$ 4,473		$ 40,583	$ 9,013	$ 11,722
Basic (usd per share)	$ 0.32	$ 0.35	$ 0.29	$ 0.46	$ 0.24	$ (0.25)	$ 0.18	$ 0.17		$ 1.42	$ 0.34	$ 0.48
Diluted (usd per share)	$ 0.32	$ 0.35	$ 0.28	$ 0.46	$ 0.24	$ (0.25)	$ 0.18	$ 0.17		$ 1.41	$ 0.34	$ 0.48
Weighted Average Number of Shares Outstanding, Basic	28,673,802	28,649,996	28,624,609	28,582,616	28,540,469	26,367,067	25,656,826	25,605,571		28,632,915	26,550,043	24,519,033
Weighted Average Number of Shares Outstanding, Diluted	28,930,392	28,888,076	28,815,019	28,754,713	28,699,505	26,367,067	25,782,799	25,763,378		28,846,684	26,693,848	24,642,425

Condensed Financial Information (parent company only) - Balance Sheet (Details) - USD ($)	Dec. 31, 2012	Dec. 31, 2011	Sep. 09, 2011	Dec. 31, 2010	Dec. 31, 2009
ASSETS
Cash			$ 25,813,171
Goodwill	$ 141,375,000	$ 141,357,000
Other assets	14,455,000	12,613,000
TOTAL ASSETS	4,304,821,000	4,173,076,000
LIABILITIES
Total Borrowings	367,089,000	489,374,000
Other Liabilities	37,272,000	31,655,000
Total Liabilities	3,752,585,000	3,658,609,000
Stockholders' Equity	552,236,000	514,467,000		$ 454,408,000	$ 463,785,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	4,304,821,000	4,173,076,000
Parent [Member]
ASSETS
Cash	35,160,000	20,654,000
Investments in Subsidiaries	633,971,000	611,809,000
Goodwill	448,000	448,000
Other assets	6,638,000	8,540,000
TOTAL ASSETS	676,217,000	641,451,000
LIABILITIES
Total Borrowings	111,702,000	115,826,000
Other Liabilities	12,279,000	11,158,000
Total Liabilities	123,981,000	126,984,000
Stockholders' Equity	552,236,000	514,467,000
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 676,217,000	$ 641,451,000

Condensed Financial Information (parent company only) - Statement of Operations (Details) - USD ($) $ in Thousands	3 Months Ended								9 Months Ended	12 Months Ended
	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Sep. 30, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Income [Abstract]
Other income										$ 1,808	$ 1,761	$ 1,588
Expenses [Abstract]
Interest Expense	$ 4,699	$ 5,445	$ 6,116	$ 7,353	$ 7,893	$ 9,234	$ 9,874	$ 10,889		23,613	37,890	56,009
Salaries and Employee Benefits										79,398	74,735	73,253
Other expenses										17,733	15,683	18,200
INCOME BEFORE INCOME TAX	13,463	15,162	12,493	19,871	9,860	9,303	6,884	7,860		60,989	33,907	3,319
Income Tax Benefit	(3,153)	(3,926)	(3,288)	(5,500)	(2,299)	(2,561)	(1,396)	(2,399)		(15,867)	(8,655)	3,590
Gain on Exchange of Preferred Stock												11,353
Loss on CPP unamortized discount						(1,401)					(1,401)	(1,301)
Loss on extinguishment of trust preferred securities						(10,857)			$ (10,857)		(10,857)
Preferred stock dividends and discount accretion	(1,135)	(1,134)	(1,135)	(1,135)	(1,135)	(868)	(990)	(988)		(4,539)	(3,981)	(5,239)
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS	9,175	10,102	8,070	13,236	6,426	(6,384)	4,498	4,473		40,583	9,013	11,722
Net income	$ 10,310	$ 11,236	$ 9,205	$ 14,371	$ 7,561	$ 6,742	$ 5,488	$ 5,461		45,122	25,252	6,909
Other Comprehensive Income (Loss), Net of Tax										(1,897)	6,555	(1,331)
Comprehensive Income (Loss), Net of Tax, Attributable to Parent										43,225	31,807	5,578
Parent [Member]
Income [Abstract]
Dividends from Subsidiaries										30,096	4,677	3,256
Administrative Services Fees From Subsidiaries												28,489
Other income										85	(11)	190
Total Income										30,181	4,666	31,935
Expenses [Abstract]
Interest Expense										4,655	7,661	6,816
Salaries and Employee Benefits										3,194	2,688	25,884
Net Ocupancy and Equipment Expenses										312	31	6,213
Telephone Expenses										30	21	918
Postage and Courier Expenses										1	2	1,786
Other expenses										1,502	1,501	5,382
Total Expenses										9,694	11,904	46,999
INCOME BEFORE INCOME TAX										20,487	(7,238)	(15,064)
Income Tax Benefit										3,316	3,256	5,970
INCOME (LOSS) BEFORE INCOME TAX										23,803	(3,982)	(9,094)
Equity in Undistributed (Distributions in Excess of) Income of Subsidiaries										21,319	29,234	16,003
Net Income (Loss)										45,122	25,252	6,909
Gain on Exchange of Preferred Stock												11,353
Loss on CPP unamortized discount											(1,401)	(1,301)
Loss on extinguishment of trust preferred securities											(10,857)
Preferred stock dividends and discount accretion										(4,539)	(3,981)	(5,239)
NET INCOME AVAILABLE TO COMMON STOCKHOLDERS										40,583	9,013	11,722
Net income										45,122	25,252	6,909
Other Comprehensive Income (Loss), Net of Tax										(1,897)	6,555	(1,331)
Comprehensive Income (Loss), Net of Tax, Attributable to Parent										$ 43,225	$ 31,807	$ 5,578

Condensed Financial Information (parent company only) - Statement of Cash Flows (Details) - USD ($) $ in Thousands		3 Months Ended								12 Months Ended
	Sep. 09, 2011	Dec. 31, 2012	Sep. 30, 2012	Jun. 30, 2012	Mar. 31, 2012	Dec. 31, 2011	Sep. 30, 2011	Jun. 30, 2011	Mar. 31, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Condensed Financial Statements, Captions [Line Items]
Net Income		$ 10,310	$ 11,236	$ 9,205	$ 14,371	$ 7,561	$ 6,742	$ 5,488	$ 5,461	$ 45,122	$ 25,252	$ 6,909
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Share-based Compensation										1,492	1,315	1,750
Tax Benefit From Share Based Compensation												(50)
Net Change In [Abstract]
Net cash provided by operating activities										70,269	85,484	81,051
Cash Flows from Investing Activities:
Net cash provided by (used in) investing activities										11,886	(28,163)	109,853
Cash Flows from Financing Activities:
Borrowings										138,127	306,535	2,382
Repayment of Borrowings										(271,005)	(252,509)	(65,247)
Preferred stock redemption under Capital Purchase Program											(69,600)
Preferred stock issued under Small Business Lending Fund											90,783
Repurchase of Common Stock Warrant under Capital Purchase Program											(368)
Common Stock Issued	$ 21,165
Stock Issued Under Employee Benefit Plans										449	669	582
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan										202	89	91
Cash receipts of stock options exercised										78
Tax Benefit from Share Based Compensation												(50)
Stock redeemed										(235)	(126)	(76)
Net cash used in financing activities										(54,007)	(42,316)	(311,744)
Net Change in Cash and Cash Equivalents										28,148	15,005	(120,840)
Cash and Cash Equivalents, January 1					73,312				58,307	73,312	58,307	179,147
Cash and Cash Equivalents, December 31		101,460				73,312				101,460	73,312	58,307
Parent [Member]
Condensed Financial Statements, Captions [Line Items]
Net Income										45,122	25,252	6,909
Adjustments to Reconcile Net Income to Net Cash Provided by Operating Activities:
Share-based Compensation										632	524	1,750
Tax Benefit From Share Based Compensation												(50)
Ditributions in Excess of (Equity in Undistributed) Income of Subsidiaries										(21,319)	(29,234)	(16,003)
Net Change In [Abstract]
Other Assets										1,902	5,747	3,309
Other Liabilities										1,122	1,091	(744)
Investment in Subsidiaries - Operating Activities										(1,755)	(6,593)	(20)
Net cash provided by operating activities										25,704	(3,213)	(4,749)
Cash Flows from Investing Activities:
Investing Activities - Investment in Subsidiaries										(126)	704	(12,500)
Net cash provided by (used in) investing activities										(126)	704	(12,500)
Cash Flows from Financing Activities:
Cash Dividends										(7,442)	(4,729)	(5,920)
Repayment of Borrowings										(4,124)	(46,400)
Preferred stock redemption under Capital Purchase Program											(69,600)
Preferred stock issued under Small Business Lending Fund											90,783
Repurchase of Common Stock Warrant under Capital Purchase Program											(368)
Common Stock Issued											21,165	24,150
Stock Issued Under Employee Benefit Plans										449	669	582
Stock Issued Under Dividend Reinvestment and Stock Purchase Plan										202	89	91
Cash receipts of stock options exercised										78
Tax Benefit from Share Based Compensation												(50)
Stock redeemed										(235)	(126)	(76)
Other											298	198
Net cash used in financing activities										(11,072)	(8,219)	18,975
Net Change in Cash and Cash Equivalents										14,506	(10,728)	1,726
Cash and Cash Equivalents, January 1					$ 20,654				$ 31,382	20,654	31,382	29,656
Cash and Cash Equivalents, December 31		$ 35,160				$ 20,654				$ 35,160	$ 20,654	$ 31,382

Subsequent Events (Details) - USD ($)			12 Months Ended
Subsequent Events (Details) - USD ($)	Jan. 03, 2013	Sep. 22, 2011	Dec. 31, 2012	Dec. 31, 2011	Dec. 31, 2010
Subsequent Event [Line Items]
Price of preferred stock redeemed		$ 116,596,111	$ 235,000	$ 126,000	$ 76,000
Preferred stock, Series B
Subsequent Event [Line Items]
Preferred Stock, outstanding			90,782.94	90,782.94
Subsequent Event \| Preferred stock, Series B
Subsequent Event [Line Items]
Preferred stock redeemed (in shares)	22,695.94
Price of preferred stock redeemed	$ 22,695,940
Preferred Stock, outstanding	68,087
Preferred stock, remaining liquidation amount	$ 68,000,000