DOCUMENT AND ENTITY INFORMATION (USD $)	12 Months Ended
DOCUMENT AND ENTITY INFORMATION (USD $)	Dec. 31, 2014	Mar. 02, 2015	Jun. 30, 2014
Document and Entity Information [Abstract]
Document Type	10-K
Amendment Flag	false
Document Period End Date	Dec. 31, 2014
Document Fiscal Year Focus	2014
Document Fiscal Period Focus	FY
Entity Registrant Name	CASS INFORMATION SYSTEMS INC
Entity Central Index Key	0000708781
Trading Symbol	cass
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Common Stock, Shares Outstanding		11,488,014
Entity Well-Known Seasoned Issuer	No
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 540,000,000

CONSOLIDATED BALANCE SHEETS (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Assets
Cash and due from banks	$ 11,307	$ 11,283
Interest-bearing deposits in other financial institutions	200,966	160,316
Federal funds sold and other short-term investments	82,062	53,663
Cash and cash equivalents	294,335	225,262
Securities available-for-sale, at fair value	356,141	317,767
Loans	669,346	652,177
Less allowance for loan losses	11,894	11,679
Loans, net	657,452	640,498
Premises and equipment, net	16,909	13,231
Investments in bank-owned life insurance	15,429	15,437
Payments in excess of funding	120,227	77,650
Goodwill	11,590	11,590
Other intangible assets, net	2,762	3,222
Other assets	25,886	21,363
Total assets	1,500,731	1,326,020
Liabilities and Shareholders' Equity
Noninterest-bearing	158,999	143,841
Interest-bearing	459,200	438,655
Total deposits	618,199	582,496
Accounts and drafts payable	655,428	543,953
Other liabilities	26,672	9,144
Total liabilities	1,300,299	1,135,593
Shareholders' Equity:
Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued
Common stock, par value $.50 per share; 40,000,000 shares authorized, 11,931,147 shares issued at December 31, 2014 and 2013	5,966	5,966
Additional paid-in capital	126,169	125,062
Retained earnings	90,635	75,939
Common shares in treasury, at cost (428,572 and 409,667 shares at December 31, 2014 and 2013, respectively)	(12,707)	(10,980)
Accumulated other comprehensive loss	(9,631)	(5,560)
Total shareholders' equity	200,432	190,427
Total liabilities and shareholders' equity	$ 1,500,731	$ 1,326,020

CONSOLIDATED BALANCE SHEETS (Parenthetical) (USD $)	Dec. 31, 2014	Dec. 31, 2013
CONSOLIDATED BALANCE SHEETS [Abstract]
Preferred stock, par value (in dollars per share)	$ 0.50	$ 0.50
Preferred stock, shares authorized	2,000,000	2,000,000
Preferred stock, shares issued	0	0
Common stock, par value (in dollars per share)	$ 0.50	$ 0.50
Common stock, shares authorized	40,000,000	40,000,000
Common stock, shares issued	11,931,147	11,931,147
Treasury stock, shares	428,572	409,667

CONSOLIDATED STATEMENTS OF INCOME (USD $) In Thousands, except Per Share data, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Fee Revenue and Other Income:
Information services payment and processing revenue	$ 77,427	$ 70,805	$ 66,695
Bank service fees	1,132	1,215	1,272
Gains on sales of securities	23	4,024	2,635
Other	1,325	528	536
Total fee revenue and other income	79,907	76,572	71,138
Interest Income:
Interest and fees on loans	29,726	32,110	35,525
Interest and dividends on securities:
Taxable	29	48	60
Exempt from federal income taxes	9,412	8,867	9,878
Interest on federal funds sold and other short-term investments	592	552	470
Total interest income	39,759	41,577	45,933
Interest Expense:
Interest on deposits	2,460	2,832	3,148
Total interest expense	2,460	2,832	3,148
Net interest income	37,299	38,745	42,785
Provision for loan losses		500	2,400
Net interest income after provision for loan losses	37,299	38,245	40,385
Total net revenue	117,206	114,817	111,523
Operating Expense:
Salaries and employee benefits	66,100	65,722	62,563
Occupancy	3,172	2,874	2,157
Equipment	4,130	3,810	3,516
Amortization of intangible assets	483	535	581
Other operating	11,529	11,145	11,516
Total operating expense	85,414	84,086	80,333
Income before income tax expense	31,792	30,731	31,190
Income tax expense	7,759	7,234	7,887
Net income	$ 24,033	$ 23,497	$ 23,303
Basic Earnings Per Share	$ 2.09	$ 2.05	$ 2.05
Diluted Earnings Per Share	$ 2.06	$ 2.02	$ 2.02

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Comprehensive income:
Net income	$ 24,033	$ 23,497	$ 23,303
Other comprehensive income:
Net unrealized gain (loss) on securities available-for-sale	8,333	(10,748)	2,702
Tax effect	(3,096)	3,993	(946)
Reclassification adjustments for gains included in net income	(23)	(4,024)	(2,635)
Tax effect	8	1,408	923
FASB ASC 715 adjustment	(14,621)	15,674	(5,206)
Tax effect	5,432	(5,823)	1,822
Foreign currency translation adjustments	(104)	53
Total comprehensive income	$ 19,962	$ 24,030	$ 19,963

CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash Flows From Operating Activities:
Net income	$ 24,033	$ 23,497	$ 23,303
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization	8,181	7,346	6,916
Net gains on sales of securities	(23)	(4,024)	(2,635)
Stock-based compensation expense	2,041	1,975	1,399
Provisions for loan losses		500	2,400
Deferred income tax (benefit) expense	(679)	57	974
Increase (decrease) in income tax liability	34	(964)	1,073
Increase (decrease) in pension liability	2,282	2,822	(2,158)
Other operating activities, net	(1,026)	(2,323)	4,056
Net cash provided by operating activities	34,843	28,886	35,328
Cash Flows From Investing Activities:
Proceeds from sales of securities available-for-sale	587	95,742	69,747
Proceeds from maturities of securities available-for-sale	18,340	18,117	11,898
Purchase of securities available-for-sale	(54,054)	(104,351)	(114,646)
Net (increase) decrease in loans	(16,954)	34,378	(19,165)
Increase in payments in excess of funding	(42,577)	(14,128)	(2,144)
Purchases of premises and equipment, net	(6,291)	(4,857)	(3,099)
Environmental management acquisition			(7,798)
Net cash (used in) provided by investing activities	(100,949)	24,901	(65,207)
Cash Flows From Financing Activities:
Net increase (decrease) in noninterest-bearing demand deposits	15,158	(302)	12,187
Net increase in interest-bearing demand and savings deposits	39,766	32,645	21,683
Net decrease in time deposits	(19,221)	(13,555)	(18,530)
Net increase (decrease) in accounts and drafts payable	111,475	21,192	(72,440)
Cash dividends paid	(9,337)	(8,510)	(7,361)
Purchase of common shares for treasury	(1,848)
Other financing activities, net	(814)	(1,083)	(534)
Net cash (used in) provided by financing activities	135,179	30,387	(64,995)
Net increase (decrease) in cash and cash equivalents	69,073	84,174	(94,874)
Cash and cash equivalents at beginning of year	225,262	141,088	235,962
Cash and cash equivalents at end of year	294,335	225,262	141,088
Supplemental information:
Cash paid for interest	2,491	2,855	3,196
Cash paid for income taxes	$ 8,476	$ 8,265	$ 6,407

CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (USD $) In Thousands	Total	Common Stock [Member]	Additional Paid-In Capital [Member]	Retained Earnings [Member]	Treasury Stock [Member]	Accumulated Other Comprehensive Income (Loss) [Member]
Balance at Dec. 31, 2011	$ 160,548	$ 5,445	$ 80,971	$ 89,853	$ (12,968)	$ (2,753)
Net income	23,303			23,303
Cash dividends	(7,361)			(7,361)
Stock dividend	(42)	521	44,280	(44,843)
Issuance of common shares pursuant to stock-based compensation plan, net	82		(310)		392
Exercise of stock options and SARs	(574)		(1,254)		680
Stock-based compensation expense	1,399		1,399
Other comprehensive loss	(3,340)					(3,340)
Balance at Dec. 31, 2012	174,015	5,966	125,086	60,952	(11,896)	(6,093)
Net income	23,497			23,497
Cash dividends	(8,510)			(8,510)
Issuance of common shares pursuant to stock-based compensation plan, net	(247)		(755)		508
Exercise of stock options and SARs	(836)		(1,244)		408
Stock-based compensation expense	1,975		1,975
Other comprehensive loss	533					533
Balance at Dec. 31, 2013	190,427	5,966	125,062	75,939	(10,980)	(5,560)
Net income	24,033			24,033
Cash dividends	(9,337)			(9,337)
Issuance of common shares pursuant to stock-based compensation plan, net	(632)		(594)		(38)
Exercise of stock options and SARs	(181)		(340)		159
Stock-based compensation expense	2,041		2,041
Purchase of 39,502 shares	(1,848)				(1,848)
Other comprehensive loss	(4,071)					(4,071)
Balance at Dec. 31, 2014	$ 200,432	$ 5,966	$ 126,169	$ 90,635	$ (12,707)	$ (9,631)

- Definition

This element represents the amount of recognized equity-based compensation during the period, that is, the amount recognized as expense in the income statement (or as asset if compensation is capitalized). Alternate captions include the words "stock-based compensation".

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- Definition

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

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- Definition

Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.

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- Definition

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

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CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (Paranthetical) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY [Abstract]
Cash dividends, per share	$ 0.81	$ 0.74	$ 0.64
Stock Issued During Period, Shares, Purchase of Assets	39,502
Stock issued pursuant to stock-based compensation	22,629	30,407	21,195

Summary of Significant Accounting Policies	12 Months Ended
Summary of Significant Accounting Policies	Dec. 31, 2014
Summary of Significant Accounting Policies [Abstract]
Summary of Significant Accounting Policies	Note 1 Summary of Significant Accounting Policies *Summary of Operations* Cass Information Systems, Inc. (the “Company”) provides payment and information services, which include processing and payment of transportation, energy, telecommunications and environmental invoices. These services include the acquisition and management of data, information delivery and financial exchange. The consolidated balance sheet captions, “Accounts and drafts payable” and “Payments in excess of funding,” represent the Company's resulting financial position related to the payment services that are performed for customers. The Company also provides a full range of banking services to individual, corporate and institutional customers through Cass Commercial Bank (the “Bank”), its wholly owned bank subsidiary. *Basis of Presentation* The accounting and reporting policies of the Company and its subsidiaries conform to U.S. generally accepted accounting principles. The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries after elimination of intercompany transactions. Certain amounts in the 2013 and 2012 consolidated financial statements have been reclassified to conform to the 2014 presentation. Such reclassifications have no effect on previously reported net income or shareholders' equity. *Use of Estimates* In preparing the consolidated financial statements, Company management is required to make estimates and assumptions which significantly affect the reported amounts in the consolidated financial statements. *Cash and Cash Equivalents* For purposes of the consolidated statements of cash flows, the Company considers cash and due from banks, interest-bearing deposits in other financial institutions, federal funds sold and other short-term investments as segregated in the accompanying consolidated balance sheets to be cash equivalents. *Investment in Debt Securities* The Company classifies its debt marketable securities as available-for-sale. Securities classified as available-for-sale are carried at fair value. Unrealized gains and losses, net of the related tax effect, are excluded from earnings and reported in accumulated other comprehensive income, a component of shareholders' equity. A decline in the fair value of any available-for-sale security below cost that is deemed other than temporary results in a charge to earnings and the establishment of a new cost basis for the security. To determine whether impairment is other than temporary, the Company considers guidance provided in FASB ASC Topic 320, Investments –Debt and Equity Securities. When determining whether a debt security is other-than-temporarily impaired, the Company assesses whether it has the intent to sell the security and whether it is more likely than not that the Company will be required to sell prior to recovery of the amortized cost basis. Evidence considered in this assessment includes the reasons for impairment, the severity and duration of the impairment, changes in value subsequent to year-end and forecasted performance of the investee. Premiums and discounts are amortized or accreted to interest income over the estimated lives of the securities using the level-yield method. Interest income is recognized when earned. Gains and losses are calculated using the specific identification method. *Allowance for Loan Losses(ALLL)* The ALLL is increased by provisions charged to expense and is available to absorb charge-offs, net of recoveries. Management utilizes a systematic, documented approach in determining the appropriate level of the allowance for loan losses. Management's approach provides for estimated credit losses on individually evaluated loans in accordance with FASB ASC 310 and estimated credit losses inherent in the remainder of the portfolio in accordance with FASB ASC 450. Management believes the allowance for loan losses is adequate to absorb probable losses in the loan portfolio. While management uses all available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. Additionally, various regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses. Such agencies may require the Company to increase the allowance for loan losses based on their judgments and interpretations about information available to them at the time of their examinations. Premises and Equipment Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed over the estimated useful lives of the assets, or the respective lease terms for leasehold improvements, using straight-line and accelerated methods. Estimated useful lives do not exceed 40 years for buildings, the lesser of 10 years or the life of the lease for leasehold improvements and range from 3 to 7 years for software, equipment, furniture and fixtures. Maintenance and repairs are charged to expense as incurred. Intangible Assets Cost in excess of fair value of net assets acquired has resulted from business acquisitions. Goodwill and intangible assets with indefinite useful lives are not amortized, but instead are tested for impairment at least annually. Intangible assets with definite useful lives are amortized on a straight-line basis over their respective estimated useful lives. Periodically, the Company reviews intangible assets for events or changes in circumstances that may indicate that the carrying amount of the assets may not be recoverable. Based on those reviews, adjustments of recorded amounts have not been required. Non-marketable Equity Investments The Company accounts for non-marketable equity investments, in which it holds less than a 20% ownership, under the cost method. Under the cost method of accounting, investments are carried at cost and are adjusted only for other than temporary declines in fair value, distributions of earnings and additional investments. The Company periodically evaluates whether any declines in fair value of its investments are other than temporary. In performing this evaluation, the Company considers various factors including any decline in market price, where available, the investee's financial condition, results of operations, operating trends and other financial ratios. Non-marketable equity investments are included in other assets on the consolidated balance sheets. Foreclosed Assets Real estate acquired as a result of foreclosure is initially recorded at fair value less estimated selling costs. Fair value is generally determined through the receipt of appraisals. Any write down to fair value at the time the property is acquired is recorded as a charge-off to the allowance for loan losses. Any decline in the fair value of the property subsequent to acquisition is recorded as a charge to non-interest expense. Treasury Stock Purchases of the Company's common stock are recorded at cost. Upon reissuance, treasury stock is reduced based upon the average cost basis of shares held. Comprehensive Income Comprehensive income consists of net income, changes in net unrealized gains (losses) on available-for-sale securities and pension liability adjustments and is presented in the accompanying consolidated statements of shareholders' equity and consolidated statements of comprehensive income. Loans Interest on loans is recognized based upon the principal amounts outstanding. It is the Company's policy to discontinue the accrual of interest when there is reasonable doubt as to the collectability of principal or interest. Subsequent payments received on such loans are applied to principal if there is any doubt as to the collectability of such principal; otherwise, these receipts are recorded as interest income. The accrual of interest on a loan is resumed when the loan is current as to payment of both principal and interest and/or the borrower demonstrates the ability to pay and remain current. Loan origination and commitment fees on originated loans, net of certain direct loan origination costs, are deferred and amortized to interest income using the level-yield method over the estimated lives of the related loans. Impairment of Loans A loan is considered impaired when it is probable that a creditor will be unable to collect all amounts due, both principal and interest, according to the contractual terms of the loan agreement. When measuring impairment, the expected future cash flows of an impaired loan are discounted at the loan's effective interest rate. Alternatively, impairment could be measured by reference to an observable market price, if one exists, or the fair value of the collateral for a collateral-dependent loan. Regardless of the historical measurement method used, the Company measures impairment based on the fair value of the collateral when the Company determines foreclosure is probable. Additionally, impairment of a restructured loan is measured by discounting the total expected future cash flows at the loan's effective rate of interest as stated in the original loan agreement. The Company uses its nonaccrual methods as discussed above for recognizing interest on impaired loans. Information Services Revenue A majority of the Company's revenues are attributable to fees for providing services. These services include transportation invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The Company also processes, pays and generates management information from electric, gas, telecommunications, environmental, and other invoices. The specific payment and information processing services provided to each customer are developed individually to meet each customer's specific requirements. The Company enters into service agreements with customers typically for fixed fees per transaction that are invoiced monthly. Revenues are recognized in the period services are rendered and earned under the service agreements, as long as collection is reasonably assured. Income Taxes Deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered or settled. Deferred tax assets are reduced if necessary, by a deferred tax asset valuation allowance. In the event that management determines it is more likely than not that it will not be able to realize all or part of net deferred tax assets in the future, the Company adjusts the recorded value of deferred tax assets, which would result in a direct charge to income tax expense in the period that such determination is made. Likewise, the Company will reverse the valuation allowance when realization of the deferred tax asset is expected. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date. Earnings Per Share Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding. Diluted earnings per share is computed by dividing net income by the sum of the weighted average number of common shares outstanding and the weighted average number of potential common shares outstanding. Stock-Based Compensation The Company follows Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”), “Accounting for Stock Options and Other Stock-based Compensation” (“ASC 718”), which requires that all stock-based compensation be recognized as an expense in the financial statements and that such cost be measured at the fair value of the award. FASB ASC 718 also requires that excess tax benefits related to stock option exercises and restricted stock awards be reflected as financing cash inflows instead of operating cash inflows. Pension Plans The amounts recognized in the consolidated financial statements related to pension are determined from actuarial valuations. Inherent in these valuations are assumptions including expected return on plan assets, discount rates at which the liabilities could be settled at December 31, 2014, rate of increase in future compensation levels and mortality rates. These assumptions are updated annually and are disclosed in Note 10. The Company follows FASB ASC 715, “Compensation – Retirement Benefits” (“ASC 715”), which requires companies to recognize the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its consolidated balance sheet and to recognize changes in that funded status in the year in which the changes occur through comprehensive income. The funded status is measured as the difference between the fair value of the plan assets and the projected benefit obligation as of the date of its fiscal year-end. Fair Value Measurements The Company follows the provisions of FASB ASC 820, “Fair Value Measurements and Disclosures”, which defines fair value, establishes a framework for measuring fair value in generally accepted accounting principles, and outlines disclosures about fair value measurements. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. A three-level hierarchy for valuation techniques is used to measure financial assets and financial liabilities at fair value. This hierarchy is based on whether the valuation inputs are observable or unobservable. Financial instrument valuations are considered Level 1 when they are based on quoted prices in active markets for identical assets or liabilities. Level 2 financial instrument valuations use quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data. Financial instrument valuations are considered Level 3 when they are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable, and when determination of the fair value requires significant management judgment or estimation. The Company records securities available for sale at their fair values on a recurring basis using Level 2 valuations. Additionally, the Company records impaired loans and other real estate owned at their fair value on a nonrecurring basis. The nonrecurring fair value adjustments typically involve application of lower-of-cost-or-market accounting or impairment write-downs of individual assets. Impact of New and Not Yet Adopted Accounting Pronouncements** The new accounting pronouncements are not applicable to the Company and/or do not materially impact the Company.

- Definition

The entire disclosure for all significant accounting policies of the reporting entity.

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Capital Requirements and Regulatory Restrictions

12 Months Ended

Dec. 31, 2014

Capital Requirements and Regulatory Restrictions [Abstract]

Capital Requirements and Regulatory Restrictions

Note 2
Capital Requirements and Regulatory Restrictions

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can result in certain mandatory, and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's consolidated financial statements. Under capital adequacy guidelines, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of assets, liabilities and certain off-balance sheet items as calculated under regulatory accounting practices. The Company's and the Bank's capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

Quantitative measures established by regulators to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of total and Tier I capital to risk-weighted assets, and of Tier I capital to average assets. Management believes that as of December 31, 2014 and 2013, the Company and the Bank met all capital adequacy requirements to which they are subject.

Effective July 2, 2013, the Federal Reserve Board approved final rules known as the “Basel III Capital Rules” that substantially revise the risk-based capital and leverage capital requirements applicable to bank holding companies and depository institutions, including the Company and the Bank. The Basel III Capital Rules implement aspects of the Basel III capital framework agreed upon by the Basel Committee and incorporate changes required by the Dodd-Frank Wall Street Reform and Consumer Protection Act. Among other things, the Basel III Capital Rules establish stricter capital requirements and calculation standards, as well as more restrictive risk weightings for certain loans and facilities. The Basel III Capital Rules will come into effect for the Company and the Bank on January 1, 2015 (subject to a phase-in period).

The Bank is also subject to the regulatory framework for prompt corrective action. As of December 31, 2014 and 2013, the most recent notification from the regulatory agencies categorized the Bank as well-capitalized. To be categorized as well-capitalized, the Bank must maintain minimum total risk-based, Tier I risk-based, and Tier I leverage ratios as set forth in the table below. There are no conditions or events since that notification that management believes have changed the Bank's category.

Subsidiary dividends can be a significant source of funds for payment of dividends by the Company to its shareholders. At December 31, 2014, unappropriated retained earnings of $23,801,000 were available at the Bank for the declaration of dividends to the Company without prior approval from regulatory authorities. However, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank's capital to be reduced below applicable minimum capital requirements.

There were no restricted funds on deposit used to meet regulatory reserve requirements at December 31, 2014 and 2013.

The Company's and the Bank's actual and required capital amounts and ratios as are as follows:

					Capital				Requirement to be
	Actual				Requirements				Well-Capitalized
(In thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
At December 31, 2014
Total capital (to risk-weighted assets)
Cass Information Systems, Inc.	$	207,468	21.91	%	$	75,761	8.00	%	$	N/A	N/A	%
Cass Commercial Bank		91,249	15.88			45,977	8.00			57,472	10.00
Tier I capital (to risk-weighted assets)
Cass Information Systems, Inc.		195,630	20.66			37,880	4.00			N/A	N/A
Cass Commercial Bank		84,049	14.62			22,989	4.00			34,483	6.00
Tier I capital (to average assets)
Cass Information Systems, Inc.		195,630	13.42			43,742	3.00			N/A	N/A
Cass Commercial Bank		84,049	11.94			21,124	3.00			35,207	5.00
At December 31, 2013
Total capital (to risk-weighted assets)
Cass Information Systems, Inc.	$	191,984	22.27	%	$	68,956	8.00	%	$	N/A	N/A	%
Cass Commercial Bank		83,168	15.38			43,256	8.00			54,071	10.00
Tier I capital (to risk-weighted assets)
Cass Information Systems, Inc.		181,198	21.02			34,478	4.00			N/A	N/A
Cass Commercial Bank		76,395	14.13			21,628	4.00			32,442	6.00
Tier I capital (to average assets)
Cass Information Systems, Inc.		181,198	13.12			41,438	3.00			N/A	N/A
Cass Commercial Bank		76,395	11.37			20,162	3.00			33,603	5.00

- 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

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1B

-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

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

-Publisher FASB

-Name Accounting Standards Codification

-Topic 942

-SubTopic 505

-Section 50

-Paragraph 1

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+ Details

Investment in Securities

12 Months Ended

Dec. 31, 2013

Investment in Securities [Abstract]

Investment in Securities

Note 3
Investment in Securities

Investment securities available-for-sale are recorded at fair value on a recurring basis. The Company's investment securities available-for-sale at December 31, 2014 and 2013 are measured at fair value using Level 2 valuations. The market evaluation utilizes several sources which include “observable inputs” rather than “significant unobservable inputs” and therefore falls into the Level 2 category. The table below presents the balances of securities available-for-sale measured at fair value on a recurring basis. The amortized cost, gross unrealized gains, gross unrealized losses and fair value of debt and equity securities are summarized as follows:

	December 31, 2014
			Gross		Gross
	Amortized		Unrealized		Unrealized
(In thousands)	Cost		Gains		Losses		Fair Value
State and political subdivisions	$	338,469	$	14,120	$	198	$	352,391
Certificates of deposit		3,750		—		—		3,750
Total	$	342,219	$	14,120	$	198	$	356,141

	December 31, 2013
			Gross		Gross
	Amortized		Unrealized		Unrealized
(In thousands)	Cost		Gains		Losses		Fair Value
State and political subdivisions	$	308,403	$	8,537	$	2,923	$	314,017
Certificates of deposit		3,750		—		—		3,750
Total	$	312,153	$	8,537	$	2,923	$	317,767

The fair values of securities with unrealized losses are as follows:

	December 31, 2014
	Less than 12 months				12 months or more				Total
	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
(In thousands)	Fair Value		Losses		Fair Value		Losses		Fair value		Losses
State and political subdivisions	$	8,700	$	15	$	13,833	$	183	$	22,533	$	198
Certificates of deposit		—		—		—		—		—		—
Total	$	8,700	$	15	$	13,833	$	183	$	22,533	$	198

	December 31, 2013
	Less than 12 months				12 months or more				Total
	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
(In thousands)	Fair Value		Losses		Fair Value		Losses		Fair value		Losses
State and political subdivisions	$	101,792	$	2,661	$	3,554	$	262	$	105,346	$	2,923
Certificates of deposit		—		—		—		—		—		—
Total	$	101,792	$	2,661	$	3,554	$	262	$	105,346	$	2,923

There were 20 securities, or 6% of the total, (12 greater than 12 months) in an unrealized loss position as of December 31, 2014 compared to 102 securities (3 greater than 12 months) in an unrealized loss position as of December 31, 2013. All unrealized losses are reviewed to determine whether the losses are other than temporary. Management believes that all unrealized losses are temporary since they are market driven, and the Company does not have the intent to sell the security, and it is more likely than not that the Company will not be required to sell prior to recovery of the amortized basis.

The amortized cost and fair value of debt and equity securities by contractual maturity are shown in the following table. Expected maturities may differ from contractual maturities because borrowers have the right to prepay obligations with or without prepayment penalties.

	December 31, 2014
(In thousands)	Amortized Cost		Fair Value
Due in 1 year or less	$	27,929	$	28,213
Due after 1 year through 5 years		80,542		84,500
Due after 5 years through 10 years		144,350		150,428
Due after 10 years		89,398		93,000
No stated maturity		—		—
Total	$	342,219	$	356,141

The premium related to the purchase of state and political subdivisions was $5,085,000 and $4,450,000 in 2014 and 2013, respectively.

The amortized cost of debt securities pledged to secure public deposits, securities sold under agreements to repurchase and for other purposes at December 31, 2014 and 2013 was $3,750,000 and $3,750,000 respectively.

Proceeds from sales of debt securities classified as available-for-sale were $587,000 in 2014, $95,742,000 in 2013, and $69,747,000 in 2012. Gross realized gains on the sales in 2014, 2013 and 2012 were $23,000, $4,295,000, and $2,646,000, respectively. Gross realized losses on sales in 2014, 2013 and 2012 were $0, $271,000, and $11,000, respectively.

- 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

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-Topic 320

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-URI http://asc.fasb.org/extlink&oid=6509901

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-Topic 320

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-URI http://asc.fasb.org/extlink&oid=6511694

+ Details

Loans

12 Months Ended

Dec. 31, 2014

Loans [Abstract]

Loans

Note 4
Loans

The Company originates commercial, industrial and real estate loans to businesses and churches throughout the metropolitan St. Louis, Missouri area, Orange County, California and other selected cities in the United States. The Company does not have any particular concentration of credit in any one economic sector; however, a substantial portion of the commercial and industrial loans is extended to privately-held commercial companies in these market areas, and are generally secured by the assets of the business. The Company also has a substantial portion of real estate loans secured by mortgages that are extended to churches in its market area and selected cities in the United States.

A summary of loan categories is as follows:

	December 31,
(In thousands)	2014		2013
Commercial and industrial	$	203,350	$	171,304
Real estate
Commercial:
Mortgage		117,754		128,358
Construction		—		6,632
Church, church-related:
Mortgage		305,887		326,832
Construction		18,612		9,817
Industrial Revenue Bond		23,348		9,167
Other		395		67
Total loans	$	669,346	$	652,177

The following table presents the aging of loans by loan categories at December 31, 2014:

	Performing						Nonperforming
								90 Days
				30-59		60-89		and		Non-		Total
(In thousands)	Current		Days		Days		Over		accrual		Loans
Commercial and industrial	$	203,350	$	—	$	—	$	—	$	—	$	203,350
Real estate
Commercial:
Mortgage		117,393		—		—		—		361		117,754
Construction		—		—		—		—		—		—
Church, church-related:
Mortgage		305,760		—		—		—		127		305,887
Construction		18,612		—		—		—		—		18,612
Industrial Revenue Bond		23,348		—		—		—		—		23,348
Other		395		—		—		—		—		395
Total	$	668,858	$	—	$	—	$	—	$	488	$	669,346

The following table presents the aging of loans by loan categories at December 31, 2013:

	Performing						Nonperforming
								90 Days
				30-59		60-89		and		Non-		Total
(In thousands)	Current		Days		Days		Over		accrual		Loans
Commercial and industrial	$	171,293	$	—	$	—	$	—	$	11	$	171,304
Real estate
Commercial:
Mortgage		127,879				—		—		479		128,358
Construction		6,632		—		—		—		—		6,632
Church, church-related:
Mortgage		325,091		434		—		—		1,307		326,832
Construction		9,817		—		—		—		—		9,817
Industrial Revenue Bond		9,167		—		—		—		—		9,167
Other		67		—		—		—		—		67
Total	$	649,946	$	434	$	—	$	—	$	1,797	$	652,177

The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2014:

	Loans		Performing		Nonperforming
	Subject to		Loans Subject to		Loans Subject
	Normal		Special		to Special
(In thousands)	Monitoring¹		Monitoring²		Monitoring²		Total Loans
Commercial and industrial	$	199,837	$	3,513	$	—	$	203,350
Real estate
Commercial:
Mortgage		103,097		14,296		361		117,754
Construction		—		—		—		—
Church, church-related:
Mortgage		304,219		1,541		127		305,887
Construction		18,612		—		—		18,612
Industrial Revenue Bond		23,348		—		—		23,348
Other		395		—		—		395
Total	$	649,508	$	19,350	$	488	$	669,346

¹	Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.
²	Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.

The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2013:

	Loans		Performing		Nonperforming
	Subject to		Loans Subject to		Loans Subject to
	Normal		Special		Special		Total
(In thousands)	Monitoring¹		Monitoring²		Monitoring²		Loans
Commercial and industrial	$	167,878	$	3,415	$	11	$	171,304
Real estate
Commercial:
Mortgage		119,521		8,358		479		128,358
Construction		6,632		—		—		6,632
Church, church-related:
Mortgage		323,291		2,234		1,307		326,832
Construction		9,817		—		—		9,817
Industrial Revenue Bond		9,167		—		—		9,167
Other		67		—		—		67
Total	$	636,373	$	14,007	$	1,797	$	652,177

¹Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.

²Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.

Impaired loans consist primarily of nonaccrual loans, loans greater than 90 days past due and still accruing interest and troubled debt restructurings, both performing and non-performing. Troubled debt restructuring involves the granting of a concession to a borrower experiencing financial difficulty resulting in the modification of terms of the loan, such as changes in payment schedule or interest rate. The allowance for loan losses related to impaired loans was $127,000 and $318,000 at December 31, 2014 and 2013, respectively. Nonaccrual loans were $488,000 and $1,797,000 at December 31, 2014 and 2013, respectively. Loans delinquent 90 days or more and still accruing interest were $0 at December 31, 2014 and 2013. At December 31, 2014 and 2013, there were no loans classified as troubled debt restructuring. The average balances of impaired loans during 2014, 2013 and 2012 were $1,262,000, $1,381,000 and $5,451,000, respectively. Income that would have been recognized on non-accrual loans under the original terms of the contract was $108,000, $180,000 and $381,000 for 2014, 2013 and 2012, respectively. Income that was recognized on nonaccrual loans was $77,000, $131,000 and $141,000 for 2014, 2013 and 2012 respectively. There were no foreclosed assets as of December 31, 2014 and December 31, 2013.

The following table presents the recorded investment and unpaid principal balance for impaired loans at December 31, 2014:

					Related
			Unpaid		Allowance
	Recorded		Principal		for Loan
(In thousands)	Investment		Balance		Losses
Commercial and industrial:
Nonaccrual	$	—	$	—	$	—
Real estate
Commercial Mortgage:
Nonaccrual		361		361		—
Church Mortgage:
Nonaccrual		127		127		127
Total impaired loans	$	488	$	488	$	127

The following table presents the recorded investment and unpaid principal balance for impaired loans at December 31, 2013:

					Related
			Unpaid		Allowance
	Recorded		Principal		for Loan
(In thousands)	Investment		Balance		Losses
Commercial and industrial:
Nonaccrual	$	11	$	11	$	6
Real estate
Commercial Mortgage:
Nonaccrual		479		479		89
Church Mortgage:
Nonaccrual		1,307		1,307		223
Total impaired loans	$	1,797	$	1,797	$	318

The Company does not record loans at fair value on a recurring basis. Once a loan is identified as impaired, management measures impairment in accordance with FASB ASC 310, “Allowance for Credit Losses.” At December 31, 2014, all impaired loans were evaluated based on the fair value of the collateral or present value of expected future cash flow. The fair value of the collateral is based upon an observable market price or current appraised value and therefore, the Company classifies these assets as nonrecurring Level 3.

A summary of the activity in the allowance for loan losses is as follows:

	December 31,		Charge-							December 31,
(In thousands)	2013		Offs		Recoveries		Provision			2014
Commercial and industrial	$	3,139	$	—	$	41	$	335		$	3,515
Real estate
Commercial:
Mortgage		3,064		—		222		(226	)		3,060
Construction		—		—		—		—			—
Church, church-related:
Mortgage		4,375		76		30		(313	)		4,016
Construction		124		—		—		16			140
Industrial Revenue Bond		155		—		—		239			394
Other		822		3		1		(51	)		769
Total	$	11,679	$	79	$	294	$	—		$	11,894

As of December 31, 2014 there were no loans to affiliates of executive officers or directors.

- 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+ Details

Premises and Equipment

12 Months Ended

Dec. 31, 2014

Premises and Equipment [Abstract]

Premises and Equipment

Note 5
Premises and Equipment

A summary of premises and equipment is as follows:

	December 31,
(In thousands)	2014		2013
Land	$	873	$	873
Buildings		12,541		10,801
Leasehold improvements		2,112		2,086
Furniture, fixtures and equipment		10,762		12,081
Purchased software		10,274		9,328
Internally developed software		2,527		2,650
		39,089		37,819
Less accumulated depreciation		22,180		24,588
Total	$	16,909	$	13,231

Total depreciation charged to expense in 2014, 2013 and 2012 amounted to $2,613,000, $2,361,000 and $1,951,000, respectively.

The Company and its subsidiaries lease various premises and equipment under operating lease agreements which expire at various dates through 2023. Rental expense for 2014, 2013 and 2012 was $1,405,000, $1,222,000 and $547,000, respectively. The following is a schedule, by year, of future minimum rental payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year as of December 31, 2014:

(In thousands)	Amount
2015	$	1,213
2016		1,071
2017		1,050
2018		861
2019		624
2020-2023		2,022
Total	$	6,841

- Definition

The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.

+ References+ Details

Acquired Intangible Assets

12 Months Ended

Dec. 31, 2014

Acquired Intangible Assets [Abstract]

Acquired Intangible Assets

Note 6
Acquired Intangible Assets

The Company accounts for intangible assets in accordance with FASB ASC 350, “Goodwill and Other Intangible Assets” (“ASC 350”), which requires that intangibles with indefinite useful lives be tested annually for impairment and those with finite useful lives be amortized over their useful lives.

In January 2012, the Company acquired the assets of Waste Reduction Consultants, Inc., and recorded intangible assets of $3,183,000 for the customer list, $261,000 for two non-compete agreements and software of $234,000. Details of the Company's intangible assets are as follows:

	December 31, 2014					December 31, 2013
	Gross Carrying		Accumulated			Gross Carrying		Accumulated
(In thousands)	Amount		Amortization			Amount		Amortization
Assets eligible for amortization:
Customer Lists	$	3,933	$	(1,705)		$	3,933	$	(1,387)

Patent		23		(1	)		—		—
Non-compete agreements		261		(157	)		261		(105	)
Software		234		(234	)		234		(156	)
Other		500		(92	)		500		(58	)
Unamortized intangible assets:
Goodwill¹		11,817		(227	)		11,817		(227	)
Total intangible assets	$	16,768	$	(2,416	)	$	16,745	$	(1,933	)

¹	Amortization through December 31, 2001 prior to adoption of FASB ASC 350.

The customer lists are amortized over seven and ten years; the non-compete agreements over five years, software over three years and other intangible assets over fifteen years. Amortization of intangible assets amounted to $483,000, $535,000 and $581,000 for the years ended December 31, 2014, 2013 and 2012, respectively. Estimated future amortization of intangibles is as follows: $405,000 in 2015, $405,000 in 2016, $353,000 in 2017, $353,000 in 2018, and $353,000 in 2019.

- Definition

The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final. May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.

+ References+ Details

Interest-Bearing Deposits

12 Months Ended

Dec. 31, 2014

Interest-Bearing Deposits [Abstract]

Interest-Bearing Deposits

Note 7
Interest-Bearing Deposits

Interest-bearing deposits consist of the following:

	December 31,
	2014				2013
(In thousands)			Weighted				Weighted
			Average				Average
			Interest				Interest
	Amounts		Rate		Amounts		Rate
Interest-bearing demand deposits	$	354,511	.49	%	$	316,743	.61	%
Savings deposits		24,914	.51			20	.66
Time deposits:
Less than $100		6,956	1.14			7,777	1.09
$100 or more		72,819	.79			91,219	.81
Total	$	459,200	.58	%	$	438,655	.69	%

Interest on deposits consists of the following:

	December 31,
(In thousands)	2014		2013		2012
Interest-bearing demand deposits	$	1,564	$	1,737	$	1,739
Savings deposits		87		138		169
Time deposits:
Less than $100		472		600		784
$100 or more		337		357		456
Total	$	2,460	$	2,832	$	3,148

The scheduled maturities of time deposits are summarized as follows:

	December 31,
	2014				2013
			Percent				Percent
(In thousands)	Amount		of Total		Amount		of Total
Due within:
One year	$	66,436	83.3	%	$	84,088	84.9	%
Two years		10,759	13.5			12,690	12.8
Three years		1,148	1.4			594	.6
Four years		1,250	1.6			459	.5
Five years		182	.2			1,165	1.2
Total	$	79,775	100.0	%	$	98,996	100.0	%

- 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

Unused Available Lines of Credit	12 Months Ended
Unused Available Lines of Credit	Dec. 31, 2014
Unused Available Lines of Credit [Abstract]
Unused Available Lines of Credit	Note 8 Unused Available Lines of Credit As of December 31, 2014, the Bank had unsecured lines of credit at correspondent banks to purchase federal funds up to a maximum of $88,000,000 at the following banks: Bank of America, $20,000,000; US Bank, $20,000,000; Wells Fargo Bank, $15,000,000; PNC Bank, $12,000,000; Frost National Bank, $10,000,000; JPM Chase Bank, $6,000,000; and UMB Bank $5,000,000. As of December 31, 2014, the Bank had secured lines of credit with the FHLB of $158,247,000 collateralized by commercial mortgage loans. There were no amounts outstanding under any of the lines of credit discussed above at December 31, 2014 or 2013. At December 31, 2014, the Company had secured lines of credit with UMB Bank of $50,000,000 and First Tennessee Bank of $50,000,000 collateralized by state and political subdivision securities.

- 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

Common Stock and Earnings per Share

12 Months Ended

Dec. 31, 2014

Common Stock and Earnings per Share [Abstract]

Common Stock and Earnings per Share

Note 9
Common Stock and Earnings per Share

The table below shows activity in the outstanding shares of the Company's common stock during 2014.

Table of Contents

	2014
Shares outstanding at January 1	11,521,480
Issuance of common stock:
Employee restricted stock grants	6,007
Employee SARs exercised	8,066
Directors' compensation	6,524
Shares repurchased	(39,502	)
Shares outstanding at December 31	11,502,575

Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding. Diluted earnings per share is computed by dividing net income by the sum of the weighted average number of common shares outstanding and the weighted average number of potential common shares outstanding. Under the treasury stock method, stock appreciation rights (“SARs”) are dilutive when the average market price of the Company's common stock, combined with the effect of any unamortized compensation expense, exceeds the SAR price during a period. Anti-dilutive shares are those SARs with prices in excess of the current market value.

The calculations of basic and diluted earnings per share are as follows:

	December 31,
(In thousands except share and per share data)	2014		2013		2012
Basic
Net income	$	24,033	$	23,497	$	23,303
Weighted average common shares outstanding		11,479,025		11,441,158		11,378,216
Basic earnings per share	$	2.09	$	2.05	$	2.05
Diluted
Net income	$	24,033	$	23,497	$	23,303
Weighted average common shares outstanding		11,479,025		11,441,158		11,378,216
Effect of dilutive restricted stock and SARs		164,954		199,581		178,998
Weighted average common shares outstanding
assuming dilution		11,643,979		11,640,739		11,557,214
Diluted earnings per share	$	2.06	$	2.02	$	2.02

- Definition

The entire disclosure for earnings per share.

+ References+ Details

Employee Benefit Plans

12 Months Ended

Dec. 31, 2014

Employee Benefit Plans [Abstract]

Employee Benefit Plans

Note 10
Employee Benefit Plans

Defined Benefit Plan
The Company has a noncontributory defined-benefit pension plan (the “Plan”), which covers most of its employees. The Company accrues and makes contributions designed to fund normal service costs on a current basis using the projected unit credit with service proration method to amortize prior service costs arising from improvements in pension benefits and qualifying service prior to the establishment of the Plan over a period of approximately 30 years.

A summary of the activity in the Plan's projected benefit obligation, assets, funded status and amounts recognized in the Company's consolidated balance sheets is as follows:

(In thousands)	2014			2013
Projected benefit obligation:
Balance, January 1	$	63,439		$	67,087
Service cost		3,003			3,452
Interest cost		3,037			2,819
Actuarial loss (gain)		13,349			(8,496	)
Benefits paid		(1,486	)		(1,423	)
Balance, December 31	$	81,342		$	63,439
Plan assets:
Fair value, January 1	$	70,627		$	61,384
Actual return		3,831			9,166
Employer contribution		—			1,500
Benefits paid		(1,486	)		(1,423	)
Fair value, December 31	$	72,972		$	70,627
Funded status:
Accrued pension asset (liability)	$	(8,370	)	$	7,188

The following represent the major assumptions used to determine the projected benefit obligation of the Plan. For 2014, 2013 and 2012, the Plan's expected benefit cash flows were discounted using the Citibank Above Median Curve. Also, for 2014, 2013, and 2012, the RP-2014 Mortality Tables were used.

	2014		2013		2012
Weighted average discount rate	4.00	%	5.00	%	4.25	%
Rate of increase in compensation levels	(a)		3.75	%	3.75	%

(a)	6.0% graded down to 3.25% over the first seven years of service

The accumulated benefit obligation was $69,420,000 and $52,187,000 as of December 31, 2014 and 2013, respectively. The Company does not expect to make a contribution to the Plan in 2015. The following pension benefit payments, which reflect expected future service, as appropriate, are expected to be paid by the Plan:

	Amount
2015	$	1,842,000
2016		2,065,000
2017		2,305,000
2018		2,649,000
2019		2,822,000
2020-2024		18,649,000

The Plan's pension cost included the following components:

	For the Year Ended
	December 31,
(In thousands)	2014			2013			2012
Service cost benefits earned during the year	$	3,003		$	3,452		$	2,799
Interest cost on projected benefit obligations		3,037			2,819			2,570
Expected return on plan assets		(4,711	)		(4,469	)		(3,967	)
Net amortization and deferral		244			1,729			1,473
Net periodic pension cost	$	1,573		$	3,531		$	2,875

The following represent the major assumptions used to determine the net pension cost of the Plan:

	2014		2013		2012
Weighted average discount rate	5.00	%	4.25	%	4.75	%
Rate of increase in compensation levels	3.75	%	3.75	%	4.00	%
Expected long-term rate of return on assets	6.75	%	7.25	%	7.25	%

For 2014, 2013, and 2012, the RP-2000 Employees Mortality Table, RP-2000 Healthy Annuitant Mortality Table, and RP-2000 Disabled Mortality Table were used.

The investment objective for the Plan is to maximize total return with a tolerance for average risk. Asset allocation is a balance between fixed income and equity investments, with a target allocation of approximately 50% fixed income, 34% U.S. equity and 16% non-U.S. equity. Due to volatility in the market, this target allocation is not always desirable and asset allocations can fluctuate between acceptable ranges. The fixed income component is invested in pooled investment grade securities. The equity components are invested in pooled large cap, small/mid cap and non-U.S. stocks. The expected one-year nominal returns and annual standard deviations are shown by asset class below:

			One-Year Nominal		Annual Standard
Asset Class	% of Total Portfolio		Return		Deviation
Core Fixed Income	49	%	4.79	%	4.68	%
Large Cap U.S. Equities	9	%	7.67	%	16.65	%
Large Cap U.S. Growth Equities	9	%	8.42	%	19.20	%
Large Cap U.S. Value Equities	9	%	7.53	%	16.73	%
Small Cap U.S. Equities	8	%	8.70	%	20.53	%
International (Developed)	15	%	8.98	%	19.79	%
International (Emerging)	1	%	10.77	%	28.45	%

Applying appropriate correlation factors between each of the asset classes the long-term rate of return on assets is estimated to be 6.75%.

A summary of the fair value measurements by type of asset is as follows:

	Fair Value Measurements as of December 31,
	2014						2013
			Quoted Prices				Quoted Prices
			in Active						in Active
			Markets for		Significant				Markets for		Significant
			Identical		Observable				Identical		Observable
			Assets		Inputs				Assets		Inputs
(In thousands)	Total		(Level 1)		(Level 2)		Total		(Level 1)		(Level 2)
Cash	$	268	$	268	$	—	$	245	$	245	$	—
Equity securities
U.S. Large Cap Growth		7,165		—		7,165		6,650		—		6,650
U.S. Large Cap Value		7,066		—		7,066		6,835		—		6,835
U.S. Small/Mid Cap Growth		2,950		—		2,950		2,825		—		2,825
U.S. Small/Mid Cap Value		2,721		—		2,721		2,784		—		2,784
Non-U. S. Core		10,317		—		10,317		10,840		—		10,840
U.S. Large Cap Passive		7,192		—		7,192		6,929		—		6,929
Emerging Markets		703		—		703		711		—		711
Fixed Income
U.S. Core		24,019		—		24,019		22,720		—		22,720
U.S. Passive		9,275		—		9,275		8,747		—		8,747
Opportunistic		1,296		—		1,296		1,341		—		1,341
Total	$	72,972	$	268	$	72,704	$	70,627	$	245	$	70,382

Supplemental Executive Retirement Plan
The Company also has an unfunded supplemental executive retirement plan (“SERP”) which covers key executives of the Company. The SERP is a noncontributory plan in which the Company's subsidiaries make accruals designed to fund normal service costs on a current basis using the same method and criteria as the Plan.

A summary of the activity in the SERP's projected benefit obligation, funded status and amounts recognized in the Company's consolidated balance sheets is as follows:

	December 31,
(In thousands)	2014			2013
Benefit obligation:
Balance, January 1	$	8,048		$	8,482
Service cost		136			144
Interest cost		377			335
Benefits paid		(236	)		(236	)
Actuarial (gain) loss		1,078			(677	)
Balance, December 31	$	9,403		$	8,048

The following represent the major assumptions used to determine the projected benefit obligation of the SERP. For 2014, 2013 and 2012, the SERP's expected benefit cash flows were discounted using the Citigroup Above Median Curve.

	2014		2013		2012
Weighted average discount rate	3.75	%	4.75	%	4.00	%
Rate of increase in compensation levels	(a)		3.75	%	3.75	%

(a)	6.00% graded down to 3.25% over the first seven years of service.

The accumulated benefit obligation was $7,622,000 and $5,917,000 as of December 31, 2014 and 2013, respectively. Since this is an unfunded plan there are no plan assets. Benefits paid were $236,000 in 2014, $236,000 in 2013 and $236,000 in 2012. Expected future benefits payable by the Company over the next ten years are as follows:

	Amount
2015	$	236,000
2016		244,000
2017		258,000
2018		324,000
2019		323,000
2020-2024		2,852,000

The SERP's pension cost included the following components:

	For the Year Ended December 31,
(In thousands)	2014		2013		2012
Service cost – benefits earned during the year	$	136	$	144	$	115
Interest cost on projected benefit obligations		377		335		307
Net amortization and deferral		431		551		360
Net periodic pension cost	$	944	$	1,030	$	782

The pretax amounts in accumulated other comprehensive loss as of December 31 were as follows:

	The Plan				SERP
(In thousands)	2014		2013		2014		2013
Prior service cost	$	—	$	8	$	—	$	—
Net actuarial loss		25,464		11,471		3,723		3,075
Total	$	25,464	$	11,479	$	3,723	$	3,075

The estimated pretax prior service cost and net actuarial loss in accumulated other comprehensive loss at December 31, 2014 expected to be recognized as components of net periodic benefit cost in 2015 for the Plan are $0 and $1,606,000, respectively. The estimated pretax prior service cost and net actuarial loss in accumulated other comprehensive loss at December 31, 2014 expected to be recognized as components of net periodic benefit cost in 2015 for the SERP are $0 and $654,000 respectively.

The Company also maintains a noncontributory profit sharing program, which covers most of its employees. Employer contributions are calculated based upon formulas which relate to current operating results and other factors. Profit sharing expense recognized in the consolidated statements of income in 2014, 2013 and 2012 was $5,298,000, $5,065,000, and $5,213,000, respectively.

The Company also sponsors a defined contribution 401(k) plan to provide additional retirement benefits to substantially all employees. Contributions under the 401(k) plan for 2014, 2013 and 2012 were $584,000, $591,000, and $537,000, respectively.

- Definition

The entire disclosure for pension and other postretirement benefits.

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Stock-based Compensation

12 Months Ended

Dec. 31, 2014

Stock-based Compensation [Abstract]

Stock-based Compensation

Note 11
Stock-based Compensation

The Amended and Restated Omnibus Stock and Performance Compensation Plan (the “Omnibus Plan”) provides incentive opportunities for key employees and non-employee directors and to align the personal financial interests of such individuals with those of the Company's shareholders. The Omnibus Plan permits the issuance of up to 1,500,000 shares of the Company's common stock in the form of stock options, SARs, restricted stock, restricted stock units and performance awards.

Restricted Stock
Restricted shares granted prior to April 16, 2013 are amortized to expense over the three-year vesting period. Beginning on April 16, 2013, restricted shares granted to Company employees are amortized to expense over the three-year vesting period whereas restricted shares granted to members of the Board of Directors are amortized to expense over a one-year service period with the exception of those shares granted in lieu of cash payment for retainer fees which are expensed in the period earned. Changes in restricted shares outstanding for the year ended December 31, 2014 were as follows:

			Weighted Average
			Grant Date
	Shares		Fair Value
Balance at December 31, 2013	58,649		$	37.45
Granted	22,629		$	58.89
Vested	(30,117	)	$	35.41
Balance at December 31, 2014	51,161		$	48.13

During 2013 and 2012, 30,407 and 28,370 shares, respectively, were granted with weighted average per share market values at date of grant of $42.21 in 2013 and $34.03 in 2012. The fair value of such shares, which is based on the market price on the date of grant, is amortized to expense over the three-year vesting period whereas restricted shares granted to members of the Board of Directors are amortized to expense over a one-year period. Amortization of the restricted stock bonus awards totaled $1,250,000 for 2014, $1,176,000 for 2013 and $788,000 for 2012. As of December 31, 2014, the total unrecognized compensation expense related to non-vested restricted stock awards was $1,154,000 and the related weighted average period over which it is expected to be recognized is approximately 0.55 years. The total fair value of shares vested during the years ended December 2014, 2013, and 2012 was $1,066,000, $822,000, and $788,000 respectively.

SARs
There were 37,213 SARs granted during the year ended December 31, 2014. The Company uses the Black-Scholes option-pricing model to determine the fair value of the SARs at the date of grant. Following are the assumptions used to estimate the $17.84 per share fair value.

	Year Ended December 31, 2014
Risk-free interest rate	2.38	%
Expected life	7 years
Expected volatility	28.11	%
Expected dividend yield	1.30	%

The risk-free interest rate is based on the zero-coupon U.S. Treasury yield for the period equal to the expected life of the SARs at the time of the grant. The expected life was derived using the historical exercise activity. The Company uses historical volatility for a period equal to the expected life of the SARs using average monthly closing market prices of the Company's stock. The expected dividend yield is determined based on the Company's current rate of annual dividends.

During 2014, the Company recognized SARs expense of $792,000. As of December 31, 2014, the total unrecognized compensation expense related to SARs was $815,000, and the related weighted average period over which it is expected to be recognized is 1.03 years. Changes in SARs outstanding for the year ended December 31, 2014 were as follows:

	SARs		Weighted Average Exercise Price
Balance at December 31, 2013	343,445		$	32.01
Granted	37,213		$	61.64
Exercised	(26,703	)	$	26.83
Balance at December 31, 2014	353,955		$	35.52
Exercisable at December 31, 2014	228,973		$	29.87

The total intrinsic value of SARs exercised during 2014 and 2013 was $716,000 and $2,328,000, respectively. The average remaining contractual term for SARs outstanding as of December 31, 2014 was 6.77 years, and the aggregate intrinsic value was $6,277,000. The average remaining contractual term for SARs exercisable as of December 31, 2013 was 7.33 years, and the aggregate intrinsic value was $12,137,000.

The total compensation cost for share-based payment arrangements was $2,042,000, $1,976,000, and $1,398,000 in 2014, 2013, and 2012, respectively.

- 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+ Details

Income Taxes

12 Months Ended

Dec. 31, 2014

Income Taxes [Abstract]

Income Taxes

Note 13 Income Taxes

The components of income tax expense (benefit) are as follows:

	For the Years Ended December 31,
(In thousands)	2014			2013		2012
Current:
Federal	$	7,189		$	6,729	$	6,195
State		1,191			448		718
Deferred:
Federal		(585	)		39		933
State		(36	)		18		41
Total income tax expense	$	7,759		$	7,234	$	7,887

A reconciliation of expected income tax expense (benefit), computed by applying the effective federal statutory rate of 35% for each of 2014, 2013 and 2012 to income before income tax expense is as follows:

	For the Years Ended December 31,
(In thousands)	2014			2013			2012
Expected income tax expense	$	11,127		$	10,756		$	10,917
(Reductions) increases resulting from:
Tax-exempt income		(3,896	)		(3,297	)		(3,633	)
State taxes, net of federal benefit		751			303			493
Other, net		(223	)		(528	)		110
Total income tax expense	$	7,759		$	7,234		$	7,887

The tax effects of temporary differences which give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below:

	December 31,
(In thousands)	2014			2013
Deferred tax assets:
Allowance for loan losses	$	4,441		$	4,368
ASC 715 pension funding liability		10,887			5,444
Net operating loss carryforward¹		255			298
Stock compensation		—			337
Supplemental executive retirement plan accrual		1,392			1,130
Other		509			569
Total deferred tax assets	$	17,484		$	12,146
Deferred tax liabilities:
Premises and equipment		(976	)		(1,767	)
Pension		(5,636	)		(6,233	)
Stock compensation		(394	)		—
Intangible/assets		(1,153	)		(996	)
Unrealized gain on investment in securities available-for-sale		(5,172	)		(2,086	)
Other		(407	)		(353	)
Total deferred tax liabilities	$	(13,738	)	$	(11,435	)
Net deferred tax assets	$	3,746		$	711

As of December 31, 2014, the Company had approximately $729,000 of net operating loss carry forwards as a result of the acquisition of Franklin Bancorp. The utilization of the net operating loss carry forward is subject to Section 382 of the Internal Revenue Code and limits the Company's use to approximately $122,000 per year during the carry forward period, which expires in 2020.

A valuation allowance would be provided on deferred tax assets when it is more likely than not that some portion of the assets will not be realized. The Company has not established a valuation allowance at December 31, 2014 or 2013, due to management's belief that all criteria for recognition have been met, including the existence of a history of taxes paid sufficient to support the realization of deferred tax assets.

The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is presented in the following table:

(In thousands)	2014			2013			2012
Balance at January 1	$	1,208		$	1,885		$	2,069
Changes in unrecognized tax benefits as a result of tax
positions taken during a prior year		(107	)		(666	)		(140	)
Changes in unrecognized tax benefits as a result of tax
position taken during the current year		267			374			419
Decreases in unrecognized tax benefits relating to
settlements with taxing authorities		—			—			—
Reductions to unrecognized tax benefits as a result of a
lapse of the applicable statute of limitations		(251	)		(385	)		(463	)
Balance at December 31	$	1,117		$	1,208		$	1,885

At December 31, 2014, 2013 and 2012, the balance of the Company's unrecognized tax benefits which would, if recognized, affect the Company's effective tax rate was $819,000, $861,000 and $1,357,000, respectively. These amounts are net of the offsetting benefits from other taxing jurisdictions.

As of December 31, 2014, 2013 and 2012, the Company had $45,000, $41,000 and $89,000, respectively, in accrued interest related to unrecognized tax benefits. During 2014 and 2013, the Company recorded a net increase (reduction) in accrued interest of $4,000 and $(48,000), respectively, as a result of settlements with taxing authorities and other prior-year adjustments.

The Company believes it is reasonably possible that the total amount of tax benefits will decrease by approximately $210,000 over the next twelve months. The reduction primarily relates to the anticipated lapse in the statute of limitations. The unrecognized tax benefits relate primarily to apportionment of taxable income among various state tax jurisdictions.

The Company is subject to income tax in the U.S. federal jurisdiction, numerous state jurisdictions, and a foreign jurisdiction. The Company's federal income tax returns for tax years 2011 through 2013 remain subject to examination by the Internal Revenue Service. In addition, the Company is subject to state tax examinations for the tax years 2010 through 2013.

- 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

Contingencies	12 Months Ended
Contingencies	Dec. 31, 2014
Contingencies [Abstract]
Contingencies	Note 14 Contingencies The Company and its subsidiaries are not involved in any pending proceedings other than ordinary routine litigation incidental to their businesses. Management believes none of these proceedings, if determined adversely, would have a material effect on the business or financial condition of the Company or its subsidiaries.

- Definition

The entire disclosure for commitments and contingencies.

+ References+ Details

Disclosures about Fair Value of Financial Instruments

12 Months Ended

Dec. 31, 2014

Fair Value Disclosures [Abstract]

Fair Value Disclosures

Note 15
Disclosures about Fair Value of Financial Instruments

The Company is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, commercial letters of credit and standby letters of credit. The Company's maximum potential exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit, commercial letters of credit and standby letters of credit is represented by the contractual amounts of those instruments. At December 31, 2014 and 2013, no amounts have been accrued for any estimated losses for these instruments.

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. Commercial and standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. These off-balance sheet financial instruments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The approximate remaining terms of commercial and standby letters of credit range from less than one to five years. Since these financial instruments may expire without being drawn upon, the total amounts do not necessarily represent future cash requirements. Commitments to extend credit and letters of credit are subject to the same underwriting standards as those financial instruments included on the consolidated balance sheets. The Company evaluates each customer's credit-worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary upon extension of the credit, is based on management's credit evaluation of the borrower. Collateral held varies, but is generally accounts receivable, inventory, residential or income-producing commercial property or equipment. In the event of nonperformance, the Company may obtain and liquidate the collateral to recover amounts paid under its guarantees on these financial instruments

The following table shows conditional commitments to extend credit, standby letters of credit and commercial letters:

	December 31,
(In thousands)	2014		2013
Conditional commitments to extend credit	$	19,066	$	5,596
Standby letters of credit		12,693		13,168
Commercial letters of credit		2,571		3,325

The fair value of commitments to extend credit and standby letters of credit is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements, the likelihood of the counterparties drawing on such financial instruments and the present credit worthiness of such counterparties. The Company believes such commitments have been made at terms which are competitive in the markets in which it operates; however, no premium or discount is offered thereon.

Following is a summary of the carrying amounts and fair values of the Company's financial instruments:

	December 31,
	2014				2013
	Carrying				Carrying
(In thousands)	Amount		Fair Value		Amount		Fair Value
Balance sheet assets:
Cash and cash equivalents	$	294,335	$	294,335	$	225,262	$	225,262
Investment in securities		356,141		356,141		317,767		317,767
Loans, net		657,452		663,247		640,498		642,543
Accrued interest receivable		6,521		6,521		6,030		6,030
Total	$	1,314,449	$	1,320,244	$	1,189,557	$	1,191,602

Balance sheet liabilities:
Deposits	$	618,199	$	618,199	$	582,496	$	583,989
Accounts and drafts payable		655,428		655,428		543,953		543,953
Accrued interest payable		57		57		88		88
Total	$	1,273,684	$	1,273,684	$	1,126,537	$	1,128,030

The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value:

Cash and Cash Equivalents The carrying amount approximates fair value.

Investment in Securities The fair value is measured on a recurring basis using Level 2 valuations. Refer to Note 3, “Investment in Securities,” for fair value and unrealized gains and losses by investment type.

Loans The fair value is estimated using present values of future cash flows discounted at risk-adjusted interest rates for each loan category designated by management and is therefore a Level 3 valuation. Management believes that the risk factor embedded in the interest rates along with the allowance for loan losses results in a fair valuation.

Impaired loans are valued using the fair value of the collateral which is based upon an observable market price or current appraised value and therefore, the fair value is a nonrecurring Level 3 valuation.

Accrued Interest Receivable The carrying amount approximates fair value.

Deposits The fair value of demand deposits, savings deposits and certain money market deposits is the amount payable on demand at the reporting date. The fair value of fixed-maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities and therefore, is a Level 2 valuation. The fair value estimates above do not include the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market or the benefit derived from the customer relationship inherent in existing deposits.

Accounts and Drafts Payable The carrying amount approximates fair value.

Accrued Interest The carrying amount approximates fair value.

Limitations Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets or liabilities that are not considered financial assets or liabilities include premises and equipment and the benefit that results from the low-cost funding provided by the deposit liabilities compared to the cost of borrowing funds in the market (core deposit intangible). In addition, tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.

- 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+ Details

Industry Segment Information

12 Months Ended

Dec. 31, 2014

Industry Segment Information [Abstract]

Industry Segment Information

Note 16
Industry Segment Information

The services provided by the Company are classified into two reportable segments: Information Services and Banking Services. Each of these segments provides distinct services that are marketed through different channels. They are managed separately due to their unique service, processing and capital requirements. The Information Services segment provides transportation, energy, telecommunication, and environmental invoice processing and payment services to large corporations. The Banking Services segment provides banking services primarily to privately held businesses and churches.

The Company's accounting policies for segments are the same as those described in Note 1 of this report. Management evaluates segment performance based on net income after allocations for corporate expenses and income taxes. Transactions between segments are accounted for at what management believes to be fair value.

Substantially all revenue originates from and all long-lived assets are located within the United States, and no revenue from any customer of any segment exceeds 10% of the Company's consolidated revenue. Assets represent actual assets owned by Information Services and Banking Services and there is no allocation methodology used. Loans are sold by Banking Services to Information Services to create liquidity when the Bank's loan to deposit ratio is greater than 100%. Segment interest from customers is the actual interest earned on the loans owned by Information Services and Banking Services, respectively.

Summarized information about the Company's operations in each industry segment for the years ended December 31, 2014, 2013 and 2012, is as follows:

						Corporate,
	Information		Banking			Eliminations
(In thousands)	Services		Services			and Other			Total
*2014*
Fee revenue and other income:
Income from customers	$	78,773	$	1,134		$	—		$	79,907
Intersegment income (expense)		9,210		1,504			(10,714	)		—
Net interest income (expense) after provision
for loan losses:
Income from customers		15,678		21,621			—			37,299
Intersegment income (expense)		12		(12	)		—			—
Depreciation and amortization		2,795		182			119			3,096
Income taxes		3,006		4,753			—			7,759
Net income		16,379		7,654			—			24,033
Goodwill		11,454		136			—			11,590
Other intangible assets, net		2,762		—			—			2,762
Total assets	$	782,844	$	755,400		$	(37,513	)	$	1,500,731
*2013*
Fee revenue and other income:
Income from customers	$	75,010	$	1,216		$	346		$	76,572
Intersegment income (expense)		9,637		1,479			(11,116	)		—
Net interest income (expense) after provision
for loan losses:
Income from customers		15,986		22,259			—			38,245
Intersegment income (expense)		11		(11	)		—			—
Depreciation and amortization		2,638		143			115			2,896
Income taxes		2,232		5,002			—			7,234
Net income		15,237		8,133			127			23,497
Goodwill		11,454		136			—			11,590
Other intangible assets, net		3,222		—			—			3,222
Total assets	$	657,604	$	679,357		$	(10,941	)	$	1,326,020
*2012*
Fee revenue and other income:
Income from customers	$	70,376	$	1,272		$	(510	)	$	71,138
Intersegment income (expense)		9,478		1,663			(11,141	)		—
Net interest income (expense) after provision
for loan losses:
Income from customers		18,547		21,838			—			40,385
Intersegment income (expense)		24		(24	)		—			—
Depreciation and amortization		2,392		101			39			2,532
Income taxes		2,802		5,085			—			7,887
Net income		15,761		8,014			(472	)		23,303
Goodwill		11,454		136			—			11,590
Other intangible assets, net		3,757		—			—			3,757
Total assets	$	642,623	$	668,648		$	(23,884	)	$	1,287,387

- Definition

The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

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+ Details

Condensed Financial Information of Parent Company

12 Months Ended

Dec. 31, 2014

Condensed Financial Information of Parent Company [Abstract]

Condensed Financial Information of Parent Company

Note 18
Condensed Financial Information of Parent Company

Following are the condensed balance sheets of the Company (parent company only) and the related condensed statements of income and cash flows.

	Condensed Balance Sheets
	December 31,
(In thousands)	2014		2013
Assets
Cash and due from banks	$	32,399	$	24,519
Short-term investments		107,932		63,063
Securities available-for-sale, at fair value		356,141		317,767
Loans, net		115,958		125,316
Investments in subsidiaries		82,688		76,500
Premises and equipment, net		16,030		12,276
Other assets		166,235		120,438
Total assets	$	877,383	$	739,879
Liabilities and Shareholders' Equity
Liabilities:
Accounts and drafts payable	$	655,358	$	543,953
Other liabilities		21,511		5,521
Total liabilities		676,869		549,474
Total shareholders' equity		200,514		190,405
Total liabilities and shareholders' equity	$	877,383	$	739,879

	Condensed Statements of Income
	For the Years Ended December 31,
(In thousands)	2014		2013		2012
Income from subsidiaries:
Interest	$	12	$	12	$	24
Management fees		2,058		2,119		1,955
Income from subsidiaries		2,070		2,131		1,979
Information services revenue		77,064		70,503		66,417
Net interest income after provision		14,986		15,069		17,563
Gain on sales of investment securities		23		3,677		3,145
Other income		1,323		527		535
Total income		95,466		91,907		89,639
Expenses:
Salaries and employee benefits		59,885		59,004		55,981
Other expenses		15,587		15,027		14,492
Total expenses		75,472		74,031		70,473
Income before income tax and equity in undistributed income
of subsidiaries		19,994		17,876		19,166
Income tax expense		3,125		2,381		2,914
Income before undistributed income of subsidiaries		16,869		15,495		16,252
Equity in undistributed income of subsidiaries		7,164		7,530		7,523
Intercompany elimination		—		472		(472	)
Net income	$	24,033	$	23,497	$	23,303




	Condensed Statements of Cash Flows
	For the Years Ended December 31,
(In thousands)	2014			2013			2012
Cash flows from operating activities:
Net income	$	24,033		$	23,497		$	23,303
Adjustments to reconcile net income to net cash provided
by (used in) operating activities:
Equity in undistributed income of subsidiaries		(7,164	)		(7,530	)		(7,523	)
Net change in other assets		(44,879	)		(8,420	)		(3,338	)
Net change in other liabilities		534			(2,729	)		5,603
Amortization of stock-based awards		1,250			1,177			1,201
Other, net		13,487			(4,180	)		(2,673	)
Net cash (used in) provided by operating activities		(12,739	)		1,815			16,573
Cash flows from investing activities:
Net increase in securities		(35,128	)		(15,385	)		(7,697	)
Net decrease in loans		9,358			31,619			16,319
Purchases of premises and equipment, net		(8,941	)		(4,050	)		(3,555	)
Net cash (used in) provided by investing activities		(34,711	)		12,184			5,067
Cash flows from financing activities:
Net increase (decrease) in accounts and drafts payable		111,405			21,192			(72,440	)
Cash dividends paid		(9,337	)		(8,510	)		(7,361	)
Other financing activities		(1,869	)		(513	)		(2,454	)
Net cash provided by (used in) financing activities		100,199			12,169			(82,255	)
Net increase (decrease) in cash and cash equivalents		52,749			26,168			(60,615	)
Cash and cash equivalents at beginning of year		87,582			61,414			122,029
Cash and cash equivalents at end of year	$	140,331		$	87,582		$	61,414

- 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

SUPPLEMENTARY FINANCIAL INFORMATION

12 Months Ended

Dec. 31, 2014

SUPPLEMENTARY FINANCIAL INFORMATION [Abstract]

SUPPLEMENTARY FINANCIAL INFORMATION

Note 19

SUPPLEMENTARY FINANCIAL INFORMATION
(Unaudited)

	First		Second		Third		Fourth
(In thousands except per share data)	Quarter		Quarter		Quarter		Quarter		YTD
*2014*
Fee revenue and other income	$	19,575	$	19,952	$	20,223	$	20,157	$	79,907
Interest income		9,772		9,975		9,991		10,021		39,759
Interest expense		625		628		604		603		2,460
Net interest income		9,147		9,347		9,387		9,418		37,299
Provision for loan losses		—		—		—		—		—
Operating expense		21,025		21,306		21,196		21,887		85,414
Income tax expense		1,886		1,958		2,013		1,902		7,759
Net income	$	5,811	$	6,035	$	6,401	$	5,786	$	24,033
Net income per share:
Basic earnings per share	$	.51	$	.52	$	.56	$	.50	$	2.09
Diluted earnings per share		.50		.52		.55		.49		2.06
*2013*
Fee revenue and other income	$	18,465	$	19,567	$	19,695	$	18,845	$	76,572
Interest income		10,856		10,623		10,082		10,016		41,577
Interest expense		687		694		722		729		2,832
Net interest income		10,169		9,929		9,360		9,287		38,745
Provision for loan losses		200		300		—		—		500
Operating expense		20,389		21,017		21,384		21,296		84,086
Income tax expense		2,013		2,106		1,533		1,582		7,234
Net income	$	6,032	$	6,073	$	6,138	$	5,254	$	23,497
Net income per share:
Basic earnings per share	$	.53	$	.53	$	.54	$	.45	$	2.05
Diluted earnings per share		.52		.52		.53		.45		2.02

Summary of Significant Accounting Policies (Policies)	12 Months Ended
Summary of Significant Accounting Policies (Policies)	Dec. 31, 2014
Summary of Significant Accounting Policies [Abstract]
Summary of Operations	*Summary of Operations* Cass Information Systems, Inc. (the “Company”) provides payment and information services, which include processing and payment of transportation, energy, telecommunications and environmental invoices. These services include the acquisition and management of data, information delivery and financial exchange. The consolidated balance sheet captions, “Accounts and drafts payable” and “Payments in excess of funding,” represent the Company's resulting financial position related to the payment services that are performed for customers. The Company also provides a full range of banking services to individual, corporate and institutional customers through Cass Commercial Bank (the “Bank”), its wholly owned bank subsidiary.
Basis of Presentation	*Basis of Presentation* The accounting and reporting policies of the Company and its subsidiaries conform to U.S. generally accepted accounting principles. The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries after elimination of intercompany transactions. Certain amounts in the 2013 and 2012 consolidated financial statements have been reclassified to conform to the 2014 presentation. Such reclassifications have no effect on previously reported net income or shareholders' equity.
Use of Estimates	*Use of Estimates* In preparing the consolidated financial statements, Company management is required to make estimates and assumptions which significantly affect the reported amounts in the consolidated financial statements.
Cash and Cash Equivalents	*Cash and Cash Equivalents* For purposes of the consolidated statements of cash flows, the Company considers cash and due from banks, interest-bearing deposits in other financial institutions, federal funds sold and other short-term investments as segregated in the accompanying consolidated balance sheets to be cash equivalents.
Investment in Debt Securities	*Investment in Debt Securities* The Company classifies its debt marketable securities as available-for-sale. Securities classified as available-for-sale are carried at fair value. Unrealized gains and losses, net of the related tax effect, are excluded from earnings and reported in accumulated other comprehensive income, a component of shareholders' equity. A decline in the fair value of any available-for-sale security below cost that is deemed other than temporary results in a charge to earnings and the establishment of a new cost basis for the security. To determine whether impairment is other than temporary, the Company considers guidance provided in FASB ASC Topic 320, Investments –Debt and Equity Securities. When determining whether a debt security is other-than-temporarily impaired, the Company assesses whether it has the intent to sell the security and whether it is more likely than not that the Company will be required to sell prior to recovery of the amortized cost basis. Evidence considered in this assessment includes the reasons for impairment, the severity and duration of the impairment, changes in value subsequent to year-end and forecasted performance of the investee. Premiums and discounts are amortized or accreted to interest income over the estimated lives of the securities using the level-yield method. Interest income is recognized when earned. Gains and losses are calculated using the specific identification method.
Allowance for Loan Losses	*Allowance for Loan Losses(ALLL)*** The ALLL is increased by provisions charged to expense and is available to absorb charge-offs, net of recoveries. Management utilizes a systematic, documented approach in determining the appropriate level of the allowance for loan losses. Management's approach provides for estimated credit losses on individually evaluated loans in accordance with FASB ASC 310 and estimated credit losses inherent in the remainder of the portfolio in accordance with FASB ASC 450. Management believes the allowance for loan losses is adequate to absorb probable losses in the loan portfolio. While management uses all available information to recognize losses on loans, future additions to the allowance may be necessary based on changes in economic conditions. Additionally, various regulatory agencies, as an integral part of their examination process, periodically review the Company's allowance for loan losses. Such agencies may require the Company to increase the allowance for loan losses based on their judgments and interpretations about information available to them at the time of their examinations.
Premises and Equipment	*Premises and Equipment* Premises and equipment are stated at cost less accumulated depreciation and amortization. Depreciation is computed over the estimated useful lives of the assets, or the respective lease terms for leasehold improvements, using straight-line and accelerated methods. Estimated useful lives do not exceed 40 years for buildings, the lesser of 10 years or the life of the lease for leasehold improvements and range from 3 to 7 years for software, equipment, furniture and fixtures. Maintenance and repairs are charged to expense as incurred.
Intangible Assets	*Intangible Assets* Cost in excess of fair value of net assets acquired has resulted from business acquisitions. Goodwill and intangible assets with indefinite useful lives are not amortized, but instead are tested for impairment at least annually. Intangible assets with definite useful lives are amortized on a straight-line basis over their respective estimated useful lives. Periodically, the Company reviews intangible assets for events or changes in circumstances that may indicate that the carrying amount of the assets may not be recoverable. Based on those reviews, adjustments of recorded amounts have not been required.
Non-marketable Equity Investments	*Non-marketable Equity Investments* The Company accounts for non-marketable equity investments, in which it holds less than a 20% ownership, under the cost method. Under the cost method of accounting, investments are carried at cost and are adjusted only for other than temporary declines in fair value, distributions of earnings and additional investments. The Company periodically evaluates whether any declines in fair value of its investments are other than temporary. In performing this evaluation, the Company considers various factors including any decline in market price, where available, the investee's financial condition, results of operations, operating trends and other financial ratios. Non-marketable equity investments are included in other assets on the consolidated balance sheets.
Foreclosed Assets	*Foreclosed Assets* Real estate acquired as a result of foreclosure is initially recorded at fair value less estimated selling costs. Fair value is generally determined through the receipt of appraisals. Any write down to fair value at the time the property is acquired is recorded as a charge-off to the allowance for loan losses. Any decline in the fair value of the property subsequent to acquisition is recorded as a charge to non-interest expense.
Treasury Stock	*Treasury Stock* Purchases of the Company's common stock are recorded at cost. Upon reissuance, treasury stock is reduced based upon the average cost basis of shares held.
Comprehensive Income	*Comprehensive Income* Comprehensive income consists of net income, changes in net unrealized gains (losses) on available-for-sale securities and pension liability adjustments and is presented in the accompanying consolidated statements of shareholders' equity and consolidated statements of comprehensive income.
Loans	*Loans* Interest on loans is recognized based upon the principal amounts outstanding. It is the Company's policy to discontinue the accrual of interest when there is reasonable doubt as to the collectability of principal or interest. Subsequent payments received on such loans are applied to principal if there is any doubt as to the collectability of such principal; otherwise, these receipts are recorded as interest income. The accrual of interest on a loan is resumed when the loan is current as to payment of both principal and interest and/or the borrower demonstrates the ability to pay and remain current. Loan origination and commitment fees on originated loans, net of certain direct loan origination costs, are deferred and amortized to interest income using the level-yield method over the estimated lives of the related loans.
Impairment of Loans	*Impairment of Loans* A loan is considered impaired when it is probable that a creditor will be unable to collect all amounts due, both principal and interest, according to the contractual terms of the loan agreement. When measuring impairment, the expected future cash flows of an impaired loan are discounted at the loan's effective interest rate. Alternatively, impairment could be measured by reference to an observable market price, if one exists, or the fair value of the collateral for a collateral-dependent loan. Regardless of the historical measurement method used, the Company measures impairment based on the fair value of the collateral when the Company determines foreclosure is probable. Additionally, impairment of a restructured loan is measured by discounting the total expected future cash flows at the loan's effective rate of interest as stated in the original loan agreement. The Company uses its nonaccrual methods as discussed above for recognizing interest on impaired loans.
Information Services Revenue	*Information Services Revenue* A majority of the Company's revenues are attributable to fees for providing services. These services include transportation invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The Company also processes, pays and generates management information from electric, gas, telecommunications, environmental, and other invoices. The specific payment and information processing services provided to each customer are developed individually to meet each customer's specific requirements. The Company enters into service agreements with customers typically for fixed fees per transaction that are invoiced monthly. Revenues are recognized in the period services are rendered and earned under the service agreements, as long as collection is reasonably assured.
Income Taxes	*Income Taxes* Deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates in effect for the year in which those temporary differences are expected to be recovered or settled. Deferred tax assets are reduced if necessary, by a deferred tax asset valuation allowance. In the event that management determines it is more likely than not that it will not be able to realize all or part of net deferred tax assets in the future, the Company adjusts the recorded value of deferred tax assets, which would result in a direct charge to income tax expense in the period that such determination is made. Likewise, the Company will reverse the valuation allowance when realization of the deferred tax asset is expected. The effect on deferred tax assets and liabilities of a change in tax rates is recognized in income in the period that includes the enactment date.
Earnings Per Share	*Earnings Per Share* Basic earnings per share is computed by dividing net income by the weighted average number of common shares outstanding. Diluted earnings per share is computed by dividing net income by the sum of the weighted average number of common shares outstanding and the weighted average number of potential common shares outstanding.
Share-Based Compensation	*Stock-Based Compensation* The Company follows Financial Accounting Standards Board (“FASB”) Accounting Standards Codification (“ASC”), “Accounting for Stock Options and Other Stock-based Compensation” (“ASC 718”), which requires that all stock-based compensation be recognized as an expense in the financial statements and that such cost be measured at the fair value of the award. FASB ASC 718 also requires that excess tax benefits related to stock option exercises and restricted stock awards be reflected as financing cash inflows instead of operating cash inflows.
Pension Plans	*Pension Plans* The amounts recognized in the consolidated financial statements related to pension are determined from actuarial valuations. Inherent in these valuations are assumptions including expected return on plan assets, discount rates at which the liabilities could be settled at December 31, 2014, rate of increase in future compensation levels and mortality rates. These assumptions are updated annually and are disclosed in Note 10. The Company follows FASB ASC 715, “Compensation – Retirement Benefits” (“ASC 715”), which requires companies to recognize the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its consolidated balance sheet and to recognize changes in that funded status in the year in which the changes occur through comprehensive income. The funded status is measured as the difference between the fair value of the plan assets and the projected benefit obligation as of the date of its fiscal year-end.
Fair Value Measurements	*Fair Value Measurements* The Company follows the provisions of FASB ASC 820, “Fair Value Measurements and Disclosures”, which defines fair value, establishes a framework for measuring fair value in generally accepted accounting principles, and outlines disclosures about fair value measurements. Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. A three-level hierarchy for valuation techniques is used to measure financial assets and financial liabilities at fair value. This hierarchy is based on whether the valuation inputs are observable or unobservable. Financial instrument valuations are considered Level 1 when they are based on quoted prices in active markets for identical assets or liabilities. Level 2 financial instrument valuations use quoted prices for similar assets or liabilities, quoted prices in markets that are not active, or other inputs that are observable or can be corroborated by observable market data. Financial instrument valuations are considered Level 3 when they are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable, and when determination of the fair value requires significant management judgment or estimation. The Company records securities available for sale at their fair values on a recurring basis using Level 2 valuations. Additionally, the Company records impaired loans and other real estate owned at their fair value on a nonrecurring basis. The nonrecurring fair value adjustments typically involve application of lower-of-cost-or-market accounting or impairment write-downs of individual assets.
Impact of New and Not Yet Adopted Accounting Pronouncements	Impact of New and Not Yet Adopted Accounting Pronouncements The new accounting pronouncements are not applicable to the Company and/or do not materially impact the Company.

Capital Requirements and Regulatory Restrictions (Tables)

12 Months Ended

Dec. 31, 2014

Capital Requirements and Regulatory Restrictions [Abstract]

Schedule of Capital Amounts and Ratios

The Company's and the Bank's actual and required capital amounts and ratios as are as follows:

					Capital				Requirement to be
	Actual				Requirements				Well-Capitalized
(In thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
At December 31, 2014
Total capital (to risk-weighted assets)
Cass Information Systems, Inc.	$	207,468	21.91	%	$	75,761	8.00	%	$	N/A	N/A	%
Cass Commercial Bank		91,249	15.88			45,977	8.00			57,472	10.00
Tier I capital (to risk-weighted assets)
Cass Information Systems, Inc.		195,630	20.66			37,880	4.00			N/A	N/A
Cass Commercial Bank		84,049	14.62			22,989	4.00			34,483	6.00
Tier I capital (to average assets)
Cass Information Systems, Inc.		195,630	13.42			43,742	3.00			N/A	N/A
Cass Commercial Bank		84,049	11.94			21,124	3.00			35,207	5.00
At December 31, 2013
Total capital (to risk-weighted assets)
Cass Information Systems, Inc.	$	191,984	22.27	%	$	68,956	8.00	%	$	N/A	N/A	%
Cass Commercial Bank		83,168	15.38			43,256	8.00			54,071	10.00
Tier I capital (to risk-weighted assets)
Cass Information Systems, Inc.		181,198	21.02			34,478	4.00			N/A	N/A
Cass Commercial Bank		76,395	14.13			21,628	4.00			32,442	6.00
Tier I capital (to average assets)
Cass Information Systems, Inc.		181,198	13.12			41,438	3.00			N/A	N/A
Cass Commercial Bank		76,395	11.37			20,162	3.00			33,603	5.00

- Definition

Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.

+ References+ Details

Investment in Securities (Tables)

12 Months Ended

Dec. 31, 2014

Investment in Securities [Abstract]

Schedule of Available-for-sale Securities

The amortized cost, gross unrealized gains, gross unrealized losses and fair value of debt and equity securities are summarized as follows:

	December 31, 2014
			Gross		Gross
	Amortized		Unrealized		Unrealized
(In thousands)	Cost		Gains		Losses		Fair Value
State and political subdivisions	$	338,469	$	14,120	$	198	$	352,391
Certificates of deposit		3,750		—		—		3,750
Total	$	342,219	$	14,120	$	198	$	356,141

	December 31, 2013
			Gross		Gross
	Amortized		Unrealized		Unrealized
(In thousands)	Cost		Gains		Losses		Fair Value
State and political subdivisions	$	308,403	$	8,537	$	2,923	$	314,017
Certificates of deposit		3,750		—		—		3,750
Total	$	312,153	$	8,537	$	2,923	$	317,767

Schedule of Fair Value of Securities with Unrealized Losses

The fair values of securities with unrealized losses are as follows:

	December 31, 2014
	Less than 12 months				12 months or more				Total
	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
(In thousands)	Fair Value		Losses		Fair Value		Losses		Fair value		Losses
State and political subdivisions	$	8,700	$	15	$	13,833	$	183	$	22,533	$	198
Certificates of deposit		—		—		—		—		—		—
Total	$	8,700	$	15	$	13,833	$	183	$	22,533	$	198

	December 31, 2013
	Less than 12 months				12 months or more				Total
	Estimated		Unrealized		Estimated		Unrealized		Estimated		Unrealized
(In thousands)	Fair Value		Losses		Fair Value		Losses		Fair value		Losses
State and political subdivisions	$	101,792	$	2,661	$	3,554	$	262	$	105,346	$	2,923
Certificates of deposit		—		—		—		—		—		—
Total	$	101,792	$	2,661	$	3,554	$	262	$	105,346	$	2,923

Schedule of Amortized Cost and Fair Value

	December 31, 2014
(In thousands)	Amortized Cost		Fair Value
Due in 1 year or less	$	27,929	$	28,213
Due after 1 year through 5 years		80,542		84,500
Due after 5 years through 10 years		144,350		150,428
Due after 10 years		89,398		93,000
No stated maturity		—		—
Total	$	342,219	$	356,141

- Definition

Tabular disclosure of available-for-sale securities which includes, but is not limited to, changes in the cost basis and fair value, fair value and gross unrealized gain (loss), fair values by type of security, contractual maturity and classification, amortized cost basis, contracts to acquire securities to be accounted for as available-for-sale, debt maturities, transfers to trading, change in net unrealized holding gain (loss) net of tax, continuous unrealized loss position fair value, aggregate losses qualitative disclosures, other than temporary impairment (OTTI) losses or other disclosures related to available for sale securities.

+ References+ Details

Loans (Tables)

12 Months Ended

Dec. 31, 2014

Loans [Abstract]

Summary of Loan Categories

A summary of loan categories is as follows:

	December 31,
(In thousands)	2014		2013
Commercial and industrial	$	203,350	$	171,304
Real estate
Commercial:
Mortgage		117,754		128,358
Construction		—		6,632
Church, church-related:
Mortgage		305,887		326,832
Construction		18,612		9,817
Industrial Revenue Bond		23,348		9,167
Other		395		67
Total loans	$	669,346	$	652,177

Schedule of the Aging Loans by Loan Categories

The following table presents the aging of loans by loan categories at December 31, 2014:

	Performing						Nonperforming
								90 Days
				30-59		60-89		and		Non-		Total
(In thousands)	Current		Days		Days		Over		accrual		Loans
Commercial and industrial	$	203,350	$	—	$	—	$	—	$	—	$	203,350
Real estate
Commercial:
Mortgage		117,393		—		—		—		361		117,754
Construction		—		—		—		—		—		—
Church, church-related:
Mortgage		305,760		—		—		—		127		305,887
Construction		18,612		—		—		—		—		18,612
Industrial Revenue Bond		23,348		—		—		—		—		23,348
Other		395		—		—		—		—		395
Total	$	668,858	$	—	$	—	$	—	$	488	$	669,346

The following table presents the aging of loans by loan categories at December 31, 2013:

	Performing						Nonperforming
								90 Days
				30-59		60-89		and		Non-		Total
(In thousands)	Current		Days		Days		Over		accrual		Loans
Commercial and industrial	$	171,293	$	—	$	—	$	—	$	11	$	171,304
Real estate
Commercial:
Mortgage		127,879				—		—		479		128,358
Construction		6,632		—		—		—		—		6,632
Church, church-related:
Mortgage		325,091		434		—		—		1,307		326,832
Construction		9,817		—		—		—		—		9,817
Industrial Revenue Bond		9,167		—		—		—		—		9,167
Other		67		—		—		—		—		67
Total	$	649,946	$	434	$	—	$	—	$	1,797	$	652,177

Schedule of Credit Exposure of the Loan Portfolio

The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2014:

	Loans		Performing		Nonperforming
	Subject to		Loans Subject to		Loans Subject
	Normal		Special		to Special
(In thousands)	Monitoring¹		Monitoring²		Monitoring²		Total Loans
Commercial and industrial	$	199,837	$	3,513	$	—	$	203,350
Real estate
Commercial:
Mortgage		103,097		14,296		361		117,754
Construction		—		—		—		—
Church, church-related:
Mortgage		304,219		1,541		127		305,887
Construction		18,612		—		—		18,612
Industrial Revenue Bond		23,348		—		—		23,348
Other		395		—		—		395
Total	$	649,508	$	19,350	$	488	$	669,346

¹	Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.
²	Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.

The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2013:

	Loans		Performing		Nonperforming
	Subject to		Loans Subject to		Loans Subject to
	Normal		Special		Special		Total
(In thousands)	Monitoring¹		Monitoring²		Monitoring²		Loans
Commercial and industrial	$	167,878	$	3,415	$	11	$	171,304
Real estate
Commercial:
Mortgage		119,521		8,358		479		128,358
Construction		6,632		—		—		6,632
Church, church-related:
Mortgage		323,291		2,234		1,307		326,832
Construction		9,817		—		—		9,817
Industrial Revenue Bond		9,167		—		—		9,167
Other		67		—		—		67
Total	$	636,373	$	14,007	$	1,797	$	652,177

¹Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.

²Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.

Schedule of Recorded Investment and Unpaid Principal Balance for Impaired Loans

The following table presents the recorded investment and unpaid principal balance for impaired loans at December 31, 2014:

					Related
			Unpaid		Allowance
	Recorded		Principal		for Loan
(In thousands)	Investment		Balance		Losses
Commercial and industrial:
Nonaccrual	$	—	$	—	$	—
Real estate
Commercial Mortgage:
Nonaccrual		361		361		—
Church Mortgage:
Nonaccrual		127		127		127
Total impaired loans	$	488	$	488	$	127

The following table presents the recorded investment and unpaid principal balance for impaired loans at December 31, 2013:

					Related
			Unpaid		Allowance
	Recorded		Principal		for Loan
(In thousands)	Investment		Balance		Losses
Commercial and industrial:
Nonaccrual	$	11	$	11	$	6
Real estate
Commercial Mortgage:
Nonaccrual		479		479		89
Church Mortgage:
Nonaccrual		1,307		1,307		223
Total impaired loans	$	1,797	$	1,797	$	318

Summary of the Allowance for Loan Losses

A summary of the activity in the allowance for loan losses is as follows:

	December 31,		Charge-							December 31,
(In thousands)	2013		Offs		Recoveries		Provision			2014
Commercial and industrial	$	3,139	$	—	$	41	$	335		$	3,515
Real estate
Commercial:
Mortgage		3,064		—		222		(226	)		3,060
Construction		—		—		—		—			—
Church, church-related:
Mortgage		4,375		76		30		(313	)		4,016
Construction		124		—		—		16			140
Industrial Revenue Bond		155		—		—		239			394
Other		822		3		1		(51	)		769
Total	$	11,679	$	79	$	294	$	—		$	11,894

Premises and Equipment (Tables)

12 Months Ended

Dec. 31, 2014

Premises and Equipment [Abstract]

Summary of Premises and Equipment

A summary of premises and equipment is as follows:

	December 31,
(In thousands)	2014		2013
Land	$	873	$	873
Buildings		12,541		10,801
Leasehold improvements		2,112		2,086
Furniture, fixtures and equipment		10,762		12,081
Purchased software		10,274		9,328
Internally developed software		2,527		2,650
		39,089		37,819
Less accumulated depreciation		22,180		24,588
Total	$	16,909	$	13,231

Schedule of Future Minimum Rental Payments for Operating Leases

The following is a schedule, by year, of future minimum rental payments required under operating leases that have initial or remaining non-cancelable lease terms in excess of one year as of December 31, 2014:

(In thousands)	Amount
2015	$	1,213
2016		1,071
2017		1,050
2018		861
2019		624
2020-2023		2,022
Total	$	6,841

Interest-Bearing Deposits (Tables)

12 Months Ended

Dec. 31, 2014

Interest-Bearing Deposits [Abstract]

Schedule of Interest Bearing Deposits

Interest-bearing deposits consist of the following:

	December 31,
	2014				2013
(In thousands)			Weighted				Weighted
			Average				Average
			Interest				Interest
	Amounts		Rate		Amounts		Rate
Interest-bearing demand deposits	$	354,511	.49	%	$	316,743	.61	%
Savings deposits		24,914	.51			20	.66
Time deposits:
Less than $100		6,956	1.14			7,777	1.09
$100 or more		72,819	.79			91,219	.81
Total	$	459,200	.58	%	$	438,655	.69	%

Schedule of Interest on Deposits

Interest on deposits consists of the following:

	December 31,
(In thousands)	2014		2013		2012
Interest-bearing demand deposits	$	1,564	$	1,737	$	1,739
Savings deposits		87		138		169
Time deposits:
Less than $100		472		600		784
$100 or more		337		357		456
Total	$	2,460	$	2,832	$	3,148

Schedule of Maturities of Time Deposits

The scheduled maturities of time deposits are summarized as follows:

	December 31,
	2014				2013
			Percent				Percent
(In thousands)	Amount		of Total		Amount		of Total
Due within:
One year	$	66,436	83.3	%	$	84,088	84.9	%
Two years		10,759	13.5			12,690	12.8
Three years		1,148	1.4			594	.6
Four years		1,250	1.6			459	.5
Five years		182	.2			1,165	1.2
Total	$	79,775	100.0	%	$	98,996	100.0	%

Common Stock and Earnings per Share (Tables)

12 Months Ended

Dec. 31, 2014

Common Stock and Earnings per Share [Abstract]

Schedule of Common Stock Outstanding

The table below shows activity in the outstanding shares of the Company's common stock during 2014.

Table of Contents

	2014
Shares outstanding at January 1	11,521,480
Issuance of common stock:
Employee restricted stock grants	6,007
Employee SARs exercised	8,066
Directors' compensation	6,524
Shares repurchased	(39,502	)
Shares outstanding at December 31	11,502,575

Schedule of the Calculations of Basic and Diluted Earnings per Share

The calculations of basic and diluted earnings per share are as follows:

	December 31,
(In thousands except share and per share data)	2014		2013		2012
Basic
Net income	$	24,033	$	23,497	$	23,303
Weighted average common shares outstanding		11,479,025		11,441,158		11,378,216
Basic earnings per share	$	2.09	$	2.05	$	2.05
Diluted
Net income	$	24,033	$	23,497	$	23,303
Weighted average common shares outstanding		11,479,025		11,441,158		11,378,216
Effect of dilutive restricted stock and SARs		164,954		199,581		178,998
Weighted average common shares outstanding
assuming dilution		11,643,979		11,640,739		11,557,214
Diluted earnings per share	$	2.06	$	2.02	$	2.02

Employee Benefit Plans (Tables)

12 Months Ended

Dec. 31, 2014

Summary of Projected Benefit Obligation

A summary of the activity in the Plan's projected benefit obligation, assets, funded status and amounts recognized in the Company's consolidated balance sheets is as follows:

(In thousands)	2014			2013
Projected benefit obligation:
Balance, January 1	$	63,439		$	67,087
Service cost		3,003			3,452
Interest cost		3,037			2,819
Actuarial loss (gain)		13,349			(8,496	)
Benefits paid		(1,486	)		(1,423	)
Balance, December 31	$	81,342		$	63,439
Plan assets:
Fair value, January 1	$	70,627		$	61,384
Actual return		3,831			9,166
Employer contribution		—			1,500
Benefits paid		(1,486	)		(1,423	)
Fair value, December 31	$	72,972		$	70,627
Funded status:
Accrued pension asset (liability)	$	(8,370	)	$	7,188

Schedule of Assumptions used to Determine Projected Benefit Obligation

	2014		2013		2012
Weighted average discount rate	4.00	%	5.00	%	4.25	%
Rate of increase in compensation levels	(a)		3.75	%	3.75	%

Schedule of Expected Pension Benefit Payments

The following pension benefit payments, which reflect expected future service, as appropriate, are expected to be paid by the Plan:

	Amount
2015	$	1,842,000
2016		2,065,000
2017		2,305,000
2018		2,649,000
2019		2,822,000
2020-2024		18,649,000

Schedule of Plan's Pension Costs

The Plan's pension cost included the following components:

	For the Year Ended
	December 31,
(In thousands)	2014			2013			2012
Service cost benefits earned during the year	$	3,003		$	3,452		$	2,799
Interest cost on projected benefit obligations		3,037			2,819			2,570
Expected return on plan assets		(4,711	)		(4,469	)		(3,967	)
Net amortization and deferral		244			1,729			1,473
Net periodic pension cost	$	1,573		$	3,531		$	2,875

Schedule of Assumptions used to Determine Net Pension Cost

The following represent the major assumptions used to determine the net pension cost of the Plan:

	2014		2013		2012
Weighted average discount rate	5.00	%	4.25	%	4.75	%
Rate of increase in compensation levels	3.75	%	3.75	%	4.00	%
Expected long-term rate of return on assets	6.75	%	7.25	%	7.25	%

Schedule of Assumed Long-term Rate of Return on Assets

The expected one-year nominal returns and annual standard deviations are shown by asset class below:

			One-Year Nominal		Annual Standard
Asset Class	% of Total Portfolio		Return		Deviation
Core Fixed Income	49	%	4.79	%	4.68	%
Large Cap U.S. Equities	9	%	7.67	%	16.65	%
Large Cap U.S. Growth Equities	9	%	8.42	%	19.20	%
Large Cap U.S. Value Equities	9	%	7.53	%	16.73	%
Small Cap U.S. Equities	8	%	8.70	%	20.53	%
International (Developed)	15	%	8.98	%	19.79	%
International (Emerging)	1	%	10.77	%	28.45	%

Summary of the Fair Value Measurements by Type of Asset

A summary of the fair value measurements by type of asset is as follows:

	Fair Value Measurements as of December 31,
	2014						2013
			Quoted Prices				Quoted Prices
			in Active						in Active
			Markets for		Significant				Markets for		Significant
			Identical		Observable				Identical		Observable
			Assets		Inputs				Assets		Inputs
(In thousands)	Total		(Level 1)		(Level 2)		Total		(Level 1)		(Level 2)
Cash	$	268	$	268	$	—	$	245	$	245	$	—
Equity securities
U.S. Large Cap Growth		7,165		—		7,165		6,650		—		6,650
U.S. Large Cap Value		7,066		—		7,066		6,835		—		6,835
U.S. Small/Mid Cap Growth		2,950		—		2,950		2,825		—		2,825
U.S. Small/Mid Cap Value		2,721		—		2,721		2,784		—		2,784
Non-U. S. Core		10,317		—		10,317		10,840		—		10,840
U.S. Large Cap Passive		7,192		—		7,192		6,929		—		6,929
Emerging Markets		703		—		703		711		—		711
Fixed Income
U.S. Core		24,019		—		24,019		22,720		—		22,720
U.S. Passive		9,275		—		9,275		8,747		—		8,747
Opportunistic		1,296		—		1,296		1,341		—		1,341
Total	$	72,972	$	268	$	72,704	$	70,627	$	245	$	70,382

Supplemental Executive Retirement Plan [Member]

Summary of Projected Benefit Obligation

A summary of the activity in the SERP's projected benefit obligation, funded status and amounts recognized in the Company's consolidated balance sheets is as follows:

	December 31,
(In thousands)	2014			2013
Benefit obligation:
Balance, January 1	$	8,048		$	8,482
Service cost		136			144
Interest cost		377			335
Benefits paid		(236	)		(236	)
Actuarial (gain) loss		1,078			(677	)
Balance, December 31	$	9,403		$	8,048

Schedule of Assumptions used to Determine Projected Benefit Obligation

	2014		2013		2012
Weighted average discount rate	3.75	%	4.75	%	4.00	%
Rate of increase in compensation levels	(a)		3.75	%	3.75	%

Schedule of Expected Pension Benefit Payments

Expected future benefits payable by the Company over the next ten years are as follows:

	Amount
2015	$	236,000
2016		244,000
2017		258,000
2018		324,000
2019		323,000
2020-2024		2,852,000

Schedule of Plan's Pension Costs

The SERP's pension cost included the following components:

	For the Year Ended December 31,
(In thousands)	2014		2013		2012
Service cost – benefits earned during the year	$	136	$	144	$	115
Interest cost on projected benefit obligations		377		335		307
Net amortization and deferral		431		551		360
Net periodic pension cost	$	944	$	1,030	$	782

Schedule of Pretax Amounts in Accumulated Other Comprehensive Loss

The pretax amounts in accumulated other comprehensive loss as of December 31 were as follows:

	The Plan				SERP
(In thousands)	2014		2013		2014		2013
Prior service cost	$	—	$	8	$	—	$	—
Net actuarial loss		25,464		11,471		3,723		3,075
Total	$	25,464	$	11,479	$	3,723	$	3,075

Stock-based Compensation (Tables)

12 Months Ended

Dec. 31, 2014

Stock-based Compensation [Abstract]

Schedule of Restricted Stock Activity

Changes in restricted shares outstanding for the year ended December 31, 2014 were as follows:

			Weighted Average
			Grant Date
	Shares		Fair Value
Balance at December 31, 2013	58,649		$	37.45
Granted	22,629		$	58.89
Vested	(30,117	)	$	35.41
Balance at December 31, 2014	51,161		$	48.13

Schedule of SARs Assumptions

	Year Ended December 31, 2014
Risk-free interest rate	2.38	%
Expected life	7 years
Expected volatility	28.11	%
Expected dividend yield	1.30	%

Schedule of SARs Activity

Changes in SARs outstanding for the year ended December 31, 2014 were as follows:

	SARs		Weighted Average Exercise Price
Balance at December 31, 2013	343,445		$	32.01
Granted	37,213		$	61.64
Exercised	(26,703	)	$	26.83
Balance at December 31, 2014	353,955		$	35.52
Exercisable at December 31, 2014	228,973		$	29.87

Income Taxes (Tables)

12 Months Ended

Dec. 31, 2014

Income Taxes [Abstract]

Schedule of Components of Income Tax Expense (Benefit)

The components of income tax expense (benefit) are as follows:

	For the Years Ended December 31,
(In thousands)	2014			2013		2012
Current:
Federal	$	7,189		$	6,729	$	6,195
State		1,191			448		718
Deferred:
Federal		(585	)		39		933
State		(36	)		18		41
Total income tax expense	$	7,759		$	7,234	$	7,887

Schedule of Reconciliation of Expected Income Tax Expense (Benefit)

	For the Years Ended December 31,
(In thousands)	2014			2013			2012
Expected income tax expense	$	11,127		$	10,756		$	10,917
(Reductions) increases resulting from:
Tax-exempt income		(3,896	)		(3,297	)		(3,633	)
State taxes, net of federal benefit		751			303			493
Other, net		(223	)		(528	)		110
Total income tax expense	$	7,759		$	7,234		$	7,887

Schedule of Deferred Assets and Liabilities

The tax effects of temporary differences which give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below:

	December 31,
(In thousands)	2014			2013
Deferred tax assets:
Allowance for loan losses	$	4,441		$	4,368
ASC 715 pension funding liability		10,887			5,444
Net operating loss carryforward¹		255			298
Stock compensation		—			337
Supplemental executive retirement plan accrual		1,392			1,130
Other		509			569
Total deferred tax assets	$	17,484		$	12,146
Deferred tax liabilities:
Premises and equipment		(976	)		(1,767	)
Pension		(5,636	)		(6,233	)
Stock compensation		(394	)		—
Intangible/assets		(1,153	)		(996	)
Unrealized gain on investment in securities available-for-sale		(5,172	)		(2,086	)
Other		(407	)		(353	)
Total deferred tax liabilities	$	(13,738	)	$	(11,435	)
Net deferred tax assets	$	3,746		$	711

Schedule of the Reconciliation of Unrecognized Tax Benefits

The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is presented in the following table:

(In thousands)	2014			2013			2012
Balance at January 1	$	1,208		$	1,885		$	2,069
Changes in unrecognized tax benefits as a result of tax
positions taken during a prior year		(107	)		(666	)		(140	)
Changes in unrecognized tax benefits as a result of tax
position taken during the current year		267			374			419
Decreases in unrecognized tax benefits relating to
settlements with taxing authorities		—			—			—
Reductions to unrecognized tax benefits as a result of a
lapse of the applicable statute of limitations		(251	)		(385	)		(463	)
Balance at December 31	$	1,117		$	1,208		$	1,885

Disclosures about Fair Value of Financial Instruments (Tables)

12 Months Ended

Dec. 31, 2014

Fair Value Disclosures [Abstract]

Schedule of Commitments to Extend Credit, Standby Letters of Credit and Commercial Letters

The following table shows conditional commitments to extend credit, standby letters of credit and commercial letters:

	December 31,
(In thousands)	2014		2013
Conditional commitments to extend credit	$	19,066	$	5,596
Standby letters of credit		12,693		13,168
Commercial letters of credit		2,571		3,325

Schedule of Company's Financial Instruments

Following is a summary of the carrying amounts and fair values of the Company's financial instruments:

	December 31,
	2014				2013
	Carrying				Carrying
(In thousands)	Amount		Fair Value		Amount		Fair Value
Balance sheet assets:
Cash and cash equivalents	$	294,335	$	294,335	$	225,262	$	225,262
Investment in securities		356,141		356,141		317,767		317,767
Loans, net		657,452		663,247		640,498		642,543
Accrued interest receivable		6,521		6,521		6,030		6,030
Total	$	1,314,449	$	1,320,244	$	1,189,557	$	1,191,602

Balance sheet liabilities:
Deposits	$	618,199	$	618,199	$	582,496	$	583,989
Accounts and drafts payable		655,428		655,428		543,953		543,953
Accrued interest payable		57		57		88		88
Total	$	1,273,684	$	1,273,684	$	1,126,537	$	1,128,030

- Definition

Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.

+ References+ Details

Industry Segment Information (Tables)

12 Months Ended

Dec. 31, 2014

Industry Segment Information [Abstract]

Summary of Segment Information

Summarized information about the Company's operations in each industry segment for the years ended December 31, 2014, 2013 and 2012, is as follows:

						Corporate,
	Information		Banking			Eliminations
(In thousands)	Services		Services			and Other			Total
*2014*
Fee revenue and other income:
Income from customers	$	78,773	$	1,134		$	—		$	79,907
Intersegment income (expense)		9,210		1,504			(10,714	)		—
Net interest income (expense) after provision
for loan losses:
Income from customers		15,678		21,621			—			37,299
Intersegment income (expense)		12		(12	)		—			—
Depreciation and amortization		2,795		182			119			3,096
Income taxes		3,006		4,753			—			7,759
Net income		16,379		7,654			—			24,033
Goodwill		11,454		136			—			11,590
Other intangible assets, net		2,762		—			—			2,762
Total assets	$	782,844	$	755,400		$	(37,513	)	$	1,500,731
*2013*
Fee revenue and other income:
Income from customers	$	75,010	$	1,216		$	346		$	76,572
Intersegment income (expense)		9,637		1,479			(11,116	)		—
Net interest income (expense) after provision
for loan losses:
Income from customers		15,986		22,259			—			38,245
Intersegment income (expense)		11		(11	)		—			—
Depreciation and amortization		2,638		143			115			2,896
Income taxes		2,232		5,002			—			7,234
Net income		15,237		8,133			127			23,497
Goodwill		11,454		136			—			11,590
Other intangible assets, net		3,222		—			—			3,222
Total assets	$	657,604	$	679,357		$	(10,941	)	$	1,326,020
*2012*
Fee revenue and other income:
Income from customers	$	70,376	$	1,272		$	(510	)	$	71,138
Intersegment income (expense)		9,478		1,663			(11,141	)		—
Net interest income (expense) after provision
for loan losses:
Income from customers		18,547		21,838			—			40,385
Intersegment income (expense)		24		(24	)		—			—
Depreciation and amortization		2,392		101			39			2,532
Income taxes		2,802		5,085			—			7,887
Net income		15,761		8,014			(472	)		23,303
Goodwill		11,454		136			—			11,590
Other intangible assets, net		3,757		—			—			3,757
Total assets	$	642,623	$	668,648		$	(23,884	)	$	1,287,387

- Definition

Tabular disclosure of the profit or loss and total assets for each reportable segment. An entity discloses certain information on each reportable segment if the amounts (a) are included in the measure of segment profit or loss reviewed by the chief operating decision maker or (b) are otherwise regularly provided to the chief operating decision maker, even if not included in that measure of segment profit or loss.

+ References+ Details

Condensed Financial Information of Parent Company (Tables)

12 Months Ended

Dec. 31, 2014

Condensed Financial Information of Parent Company [Abstract]

Schedule of Condensed Balance Sheet

	Condensed Balance Sheets
	December 31,
(In thousands)	2014		2013
Assets
Cash and due from banks	$	32,399	$	24,519
Short-term investments		107,932		63,063
Securities available-for-sale, at fair value		356,141		317,767
Loans, net		115,958		125,316
Investments in subsidiaries		82,688		76,500
Premises and equipment, net		16,030		12,276
Other assets		166,235		120,438
Total assets	$	877,383	$	739,879
Liabilities and Shareholders' Equity
Liabilities:
Accounts and drafts payable	$	655,358	$	543,953
Other liabilities		21,511		5,521
Total liabilities		676,869		549,474
Total shareholders' equity		200,514		190,405
Total liabilities and shareholders' equity	$	877,383	$	739,879

Schedule of Condensed Statements of Income

	Condensed Statements of Income
	For the Years Ended December 31,
(In thousands)	2014		2013		2012
Income from subsidiaries:
Interest	$	12	$	12	$	24
Management fees		2,058		2,119		1,955
Income from subsidiaries		2,070		2,131		1,979
Information services revenue		77,064		70,503		66,417
Net interest income after provision		14,986		15,069		17,563
Gain on sales of investment securities		23		3,677		3,145
Other income		1,323		527		535
Total income		95,466		91,907		89,639
Expenses:
Salaries and employee benefits		59,885		59,004		55,981
Other expenses		15,587		15,027		14,492
Total expenses		75,472		74,031		70,473
Income before income tax and equity in undistributed income
of subsidiaries		19,994		17,876		19,166
Income tax expense		3,125		2,381		2,914
Income before undistributed income of subsidiaries		16,869		15,495		16,252
Equity in undistributed income of subsidiaries		7,164		7,530		7,523
Intercompany elimination		—		472		(472	)
Net income	$	24,033	$	23,497	$	23,303

Schedule of Condensed Statements of Cash Flows




	Condensed Statements of Cash Flows
	For the Years Ended December 31,
(In thousands)	2014			2013			2012
Cash flows from operating activities:
Net income	$	24,033		$	23,497		$	23,303
Adjustments to reconcile net income to net cash provided
by (used in) operating activities:
Equity in undistributed income of subsidiaries		(7,164	)		(7,530	)		(7,523	)
Net change in other assets		(44,879	)		(8,420	)		(3,338	)
Net change in other liabilities		534			(2,729	)		5,603
Amortization of stock-based awards		1,250			1,177			1,201
Other, net		13,487			(4,180	)		(2,673	)
Net cash (used in) provided by operating activities		(12,739	)		1,815			16,573
Cash flows from investing activities:
Net increase in securities		(35,128	)		(15,385	)		(7,697	)
Net decrease in loans		9,358			31,619			16,319
Purchases of premises and equipment, net		(8,941	)		(4,050	)		(3,555	)
Net cash (used in) provided by investing activities		(34,711	)		12,184			5,067
Cash flows from financing activities:
Net increase (decrease) in accounts and drafts payable		111,405			21,192			(72,440	)
Cash dividends paid		(9,337	)		(8,510	)		(7,361	)
Other financing activities		(1,869	)		(513	)		(2,454	)
Net cash provided by (used in) financing activities		100,199			12,169			(82,255	)
Net increase (decrease) in cash and cash equivalents		52,749			26,168			(60,615	)
Cash and cash equivalents at beginning of year		87,582			61,414			122,029
Cash and cash equivalents at end of year	$	140,331		$	87,582		$	61,414

SUPPLEMENTARY FINANCIAL INFORMATION (Tables)

12 Months Ended

Dec. 31, 2014

SUPPLEMENTARY FINANCIAL INFORMATION [Abstract]

Schedule of Quarterly Financial Information

SUPPLEMENTARY FINANCIAL INFORMATION
(Unaudited)

	First		Second		Third		Fourth
(In thousands except per share data)	Quarter		Quarter		Quarter		Quarter		YTD
*2014*
Fee revenue and other income	$	19,575	$	19,952	$	20,223	$	20,157	$	79,907
Interest income		9,772		9,975		9,991		10,021		39,759
Interest expense		625		628		604		603		2,460
Net interest income		9,147		9,347		9,387		9,418		37,299
Provision for loan losses		—		—		—		—		—
Operating expense		21,025		21,306		21,196		21,887		85,414
Income tax expense		1,886		1,958		2,013		1,902		7,759
Net income	$	5,811	$	6,035	$	6,401	$	5,786	$	24,033
Net income per share:
Basic earnings per share	$	.51	$	.52	$	.56	$	.50	$	2.09
Diluted earnings per share		.50		.52		.55		.49		2.06
*2013*
Fee revenue and other income	$	18,465	$	19,567	$	19,695	$	18,845	$	76,572
Interest income		10,856		10,623		10,082		10,016		41,577
Interest expense		687		694		722		729		2,832
Net interest income		10,169		9,929		9,360		9,287		38,745
Provision for loan losses		200		300		—		—		500
Operating expense		20,389		21,017		21,384		21,296		84,086
Income tax expense		2,013		2,106		1,533		1,582		7,234
Net income	$	6,032	$	6,073	$	6,138	$	5,254	$	23,497
Net income per share:
Basic earnings per share	$	.53	$	.53	$	.54	$	.45	$	2.05
Diluted earnings per share		.52		.52		.53		.45		2.02

Capital Requirements and Regulatory Restrictions (Narrative) (Details) (USD $)	Dec. 31, 2014
Capital Requirements and Regulatory Restrictions [Abstract]
Unappropriated retained earnings	$ 23,801,000

Capital Requirements and Regulatory Restrictions (Schedule of Capital Amounts and Ratios) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Cass Information Systems Inc. [Member]
Total capital (to risk-weighted assets), actual amount	$ 207,468	$ 191,984
Tier I capital (to risk-weighted assets), actual amount	195,630	181,198
Tier I capital (to average assets), actual amount	195,630	181,198
Total capital (to risk-weighted assets), actual ratio	21.91%	22.27%
Tier I capital (to risk-weighted assets), actual ratio	20.66%	21.02%
Tier I capital (to average assets), actual ratio	13.42%	13.12%
Total capital (to risk-weighted assets), capital requirements amount	75,761	68,956
Tier I capital (to risk-weighted assets), capital requirements amount	37,880	34,478
Tier I capital (to average assets), capital requirements amount	43,742	41,438
Total capital (to risk-weighted assets), capital requirements ratio	8.00%	8.00%
Tier I capital (to risk-weighted assets), capital requirements ratio	4.00%	4.00%
Tier I capital (to average assets), capital requirements ratio	3.00%	3.00%
Cass Commercial Bank [Member]
Total capital (to risk-weighted assets), actual amount	91,249	83,168
Tier I capital (to risk-weighted assets), actual amount	84,049	76,395
Tier I capital (to average assets), actual amount	84,049	76,395
Total capital (to risk-weighted assets), actual ratio	15.88%	15.38%
Tier I capital (to risk-weighted assets), actual ratio	14.62%	14.13%
Tier I capital (to average assets), actual ratio	11.94%	11.37%
Total capital (to risk-weighted assets), capital requirements amount	45,977	43,256
Tier I capital (to risk-weighted assets), capital requirements amount	22,989	21,628
Tier I capital (to average assets), capital requirements amount	21,124	20,162
Total capital (to risk-weighted assets), capital requirements ratio	8.00%	8.00%
Tier I capital (to risk-weighted assets), capital requirements ratio	4.00%	4.00%
Tier I capital (to average assets), capital requirements ratio	3.00%	3.00%
Total capital (to risk-weighted assets), requirement to be well capitalized amount	57,472	54,071
Tier I capital (to risk-weighted assets), requirement to be well capitalized amount	34,483	32,442
Tier I capital (to average assets), requirement to be well capitalized amount	$ 35,207	$ 33,603
Total capital (to risk-weighted assets), requirement to be well capitalized ratio	10.00%	10.00%
Tier I capital (to risk-weighted assets), requirement to be well capitalized ratio	6.00%	6.00%
Tier I capital (to average assets), requirement to be well capitalized ratio	5.00%	5.00%

Investment in Securities (Narrative) (Details) (USD $)	12 Months Ended
Investment in Securities (Narrative) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Investment in Securities [Abstract]
Number of securities that had an unrealized loss	20	102
Number of securities that had an unrealized loss, greater than 12 months	12	3
Percentage of total securities	6.00%
Premium related to purchase of state and political subdivisions	$ 5,085,000	$ 4,450,000
Securities pledged as collateral	3,750,000	3,750,000
Proceeds from sales of securities available-for-sale	587,000	95,742,000	69,747,000
Gross realized gains	23,000	4,295,000	2,646,000
Gross realized losses	$ 0	$ 271,000	$ 11,000

Investment in Securities (Schedule of Investement Securities) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Investment [Line Items]
Amortized Cost	$ 342,219	$ 312,153
Gross Unrealized Gains	14,120	8,537
Gross Unrealized Losses	198	2,923
Fair Value	356,141	317,767
State and Political Subdivisions [Member]
Investment [Line Items]
Amortized Cost	338,469	308,403
Gross Unrealized Gains	14,120	8,537
Gross Unrealized Losses	198	2,923
Fair Value	352,391	314,017
Certificates of Deposit [Member]
Investment [Line Items]
Amortized Cost	3,750	3,750
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	$ 3,750	$ 3,750

Investment in Securities (Schedule of the Fair Values of Securities with Unrealized Losses) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Investment [Line Items]
Estimated fair value less than 12 months	$ 8,700	$ 101,792
Estimated fair value 12 months or more	13,833	3,554
Estimated fair value total	22,533	105,346
Unrealized losses, 12 months or more	183	262
Unrealized losses, less than 12 months	15	2,661
Unrealized losses, total	198	2,923
State and Political Subdivisions [Member]
Investment [Line Items]
Estimated fair value less than 12 months	8,700	101,792
Estimated fair value 12 months or more	13,833	3,554
Estimated fair value total	22,533	105,346
Unrealized losses, 12 months or more	183	262
Unrealized losses, less than 12 months	15	2,661
Unrealized losses, total	198	2,923
Certificates of Deposit [Member]
Investment [Line Items]
Estimated fair value less than 12 months
Estimated fair value 12 months or more
Estimated fair value total
Unrealized losses, 12 months or more
Unrealized losses, less than 12 months
Unrealized losses, total

Investment in Securities (Schedule of Amortized Cost and Fair Value of Investment Securities) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Investment in Securities [Abstract]
Amortized Cost, Due in 1 year or less	$ 27,929
Amortized Cost, Due after 1 year through 5 years	80,542
Amortized Cost, Due after 5 years through 10 years	144,350
Amortized Cost, Due after 10 years	89,398
Amortized Cost, No stated maturity
Amortized Cost, Total	342,219
Fair Value, Due in 1 year or less	28,213
Fair Value, Due after 1 year through 5 years	84,500
Fair Value, Due after 5 years through 10 years	150,428
Fair Value, Due after 10 years	93,000
Fair Value, No stated maturity
Available-for-sale Securities, Total	$ 356,141	$ 317,767

Loans (Narrative) (Details) (USD $)	12 Months Ended
Loans (Narrative) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Loans [Abstract]
Impaired loans, allowance for loan losses	$ 127,000	$ 318,000
Nonaccrual loans	488,000	1,797,000
Delinquent loans still accruing interest	0	0
Loans classified as troubled debt restructuring
Average balance of impaired loans	1,262,000	1,381,000	5,451,000
Income recognized on nonaccrual loans under original terms of contract	108,000	180,000	381,000
Income recognized on nonaccrual loans	77,000	131,000	141,000
Foreclosed loans value

Loans (Summary of Loan Categories) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Participating Mortgage Loans [Line Items]
Loans	$ 669,346	$ 652,177
Commercial and Industrial [Member]
Participating Mortgage Loans [Line Items]
Loans	203,350	171,304
Real Estate Commercial Mortgage [Member]
Participating Mortgage Loans [Line Items]
Loans	117,754	128,358
Real Estate Commercial Construction [Member]
Participating Mortgage Loans [Line Items]
Loans		6,632
Real Estate Church Related Mortgage [Member]
Participating Mortgage Loans [Line Items]
Loans	305,887	326,832
Real Estate Church Related Construction [Member]
Participating Mortgage Loans [Line Items]
Loans	18,612	9,817
Industrial Revenue Bond [Member]
Participating Mortgage Loans [Line Items]
Loans	23,348	9,167
Other Loan [Member]
Participating Mortgage Loans [Line Items]
Loans	$ 395	$ 67

- Definition

An amount representing an agreement for an unconditional promise by the maker to pay the Company (holder) a definite sum of money within one year from the balance sheet date (or the normal operating cycle, whichever is longer), net of any write-downs taken for collection uncertainty on the part of the holder. Such amount may include accrued interest receivable in accordance with the terms of the debt. The debt also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. This amount does not include amounts related to receivables held-for-sale.

+ References+ Details

Loans (Schedule of the Aging of Loans by Loan Categories) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Participating Mortgage Loans [Line Items]
Current	$ 668,858	$ 649,946
30-59 Days		434
60-89 Days
90 Days and over
Non Accrual	488	1,797
Loans	669,346	652,177
Commercial and Industrial [Member]
Participating Mortgage Loans [Line Items]
Current	203,350	171,293
30-59 Days
60-89 Days
90 Days and over
Non Accrual		11
Loans	203,350	171,304
Real Estate Commercial Mortgage [Member]
Participating Mortgage Loans [Line Items]
Current	117,393	127,879
30-59 Days
60-89 Days
90 Days and over
Non Accrual	361	479
Loans	117,754	128,358
Real Estate Commercial Construction [Member]
Participating Mortgage Loans [Line Items]
Current		6,632
30-59 Days
60-89 Days
90 Days and over
Non Accrual
Loans		6,632
Real Estate Church Related Mortgage [Member]
Participating Mortgage Loans [Line Items]
Current	305,760	325,091
30-59 Days		434
60-89 Days
90 Days and over
Non Accrual	127	1,307
Loans	305,887	326,832
Real Estate Church Related Construction [Member]
Participating Mortgage Loans [Line Items]
Current	18,612	9,817
30-59 Days
60-89 Days
90 Days and over
Non Accrual
Loans	18,612	9,817
Industrial Revenue Bond [Member]
Participating Mortgage Loans [Line Items]
Current	23,348	9,167
30-59 Days
60-89 Days
90 Days and over
Non Accrual
Loans	23,348	9,167
Other [Member]
Participating Mortgage Loans [Line Items]
Current	395	67
30-59 Days
60-89 Days
90 Days and over
Non Accrual
Loans	$ 395	$ 67

- Definition

+ References+ Details

Loans (Schedule of the Credit Exposure of the Loan Portfolio) (Details) (USD $)
In Thousands, unless otherwise specified

Dec. 31, 2014

Dec. 31, 2013

Participating Mortgage Loans [Line Items]

Loans

$ 669,346

$ 652,177

Loans Subject To Normal Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

649,508

^[1]

636,373

^[1]

Performing Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

19,350

^[2]

14,007

^[2]

Nonperforming Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

488

^[2]

1,797

^[2]

Commercial and Industrial [Member]

Participating Mortgage Loans [Line Items]

Loans

203,350

171,304

Commercial and Industrial [Member] | Loans Subject To Normal Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

199,837

^[1]

167,878

^[1]

Commercial and Industrial [Member] | Performing Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

3,513

^[2]

3,415

^[2]

Commercial and Industrial [Member] | Nonperforming Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

Real Estate Commercial Mortgage [Member]

Participating Mortgage Loans [Line Items]

Loans

117,754

128,358

Real Estate Commercial Mortgage [Member] | Loans Subject To Normal Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

103,097

^[1]

119,521

^[1]

Real Estate Commercial Mortgage [Member] | Performing Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

14,296

^[2]

8,358

^[2]

Real Estate Commercial Mortgage [Member] | Nonperforming Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

361

^[2]

479

^[2]

Real Estate Commercial Construction [Member]

Participating Mortgage Loans [Line Items]

Loans

6,632

Real Estate Commercial Construction [Member] | Loans Subject To Normal Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[1]

6,632

^[1]

Real Estate Commercial Construction [Member] | Performing Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

Real Estate Commercial Construction [Member] | Nonperforming Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

Real Estate Church Related Mortgage [Member]

Participating Mortgage Loans [Line Items]

Loans

305,887

326,832

Real Estate Church Related Mortgage [Member] | Loans Subject To Normal Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

304,219

^[1]

323,291

^[1]

Real Estate Church Related Mortgage [Member] | Performing Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

1,541

^[2]

2,234

^[2]

Real Estate Church Related Mortgage [Member] | Nonperforming Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

127

^[2]

1,307

^[2]

Real Estate Church Related Construction [Member]

Participating Mortgage Loans [Line Items]

Loans

18,612

9,817

Real Estate Church Related Construction [Member] | Loans Subject To Normal Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

18,612

^[1]

9,817

^[1]

Real Estate Church Related Construction [Member] | Performing Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

Real Estate Church Related Construction [Member] | Nonperforming Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

Industrial Revenue Bond [Member]

Participating Mortgage Loans [Line Items]

Loans

23,348

9,167

Industrial Revenue Bond [Member] | Loans Subject To Normal Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

23,348

^[1]

9,167

^[1]

Industrial Revenue Bond [Member] | Performing Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

Industrial Revenue Bond [Member] | Nonperforming Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

Other [Member]

Participating Mortgage Loans [Line Items]

Loans

395

Other [Member] | Loans Subject To Normal Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

395

^[1]

Other [Member] | Performing Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

Other [Member] | Nonperforming Loans Subject To Special Monitoring [Member]

Participating Mortgage Loans [Line Items]

Loans

^[2]

[1]	Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.
[2]	Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.

- Definition

+ References+ Details

Loans (Schedule of Recorded Investment and Unpaid Principal for Impaired Loans) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Participating Mortgage Loans [Line Items]
Troubled debt restructurings still accruing
Non Accrual	488	1,797
Recorded Investment [Member]
Participating Mortgage Loans [Line Items]
Fair value of impaired loan	488	1,797
Upaid Principal Balance [Member]
Participating Mortgage Loans [Line Items]
Fair value of impaired loan	488	1,797
Related Allowance for Loan Losses [Member]
Participating Mortgage Loans [Line Items]
Fair value of impaired loan	127	318
Commercial and Industrial [Member]
Participating Mortgage Loans [Line Items]
Non Accrual		11
Commercial and Industrial [Member] \| Recorded Investment [Member]
Participating Mortgage Loans [Line Items]
Non Accrual		11
Commercial and Industrial [Member] \| Upaid Principal Balance [Member]
Participating Mortgage Loans [Line Items]
Non Accrual		11
Commercial and Industrial [Member] \| Related Allowance for Loan Losses [Member]
Participating Mortgage Loans [Line Items]
Non Accrual		6
Real Estate Commercial Mortgage [Member]
Participating Mortgage Loans [Line Items]
Non Accrual	361	479
Real Estate Commercial Mortgage [Member] \| Recorded Investment [Member]
Participating Mortgage Loans [Line Items]
Non Accrual	361	479
Real Estate Commercial Mortgage [Member] \| Upaid Principal Balance [Member]
Participating Mortgage Loans [Line Items]
Non Accrual	361	479
Real Estate Commercial Mortgage [Member] \| Related Allowance for Loan Losses [Member]
Participating Mortgage Loans [Line Items]
Non Accrual		89
Real Estate Church Related Mortgage [Member]
Participating Mortgage Loans [Line Items]
Non Accrual	127	1,307
Real Estate Church Related Mortgage [Member] \| Recorded Investment [Member]
Participating Mortgage Loans [Line Items]
Non Accrual	127	1,307
Real Estate Church Related Mortgage [Member] \| Upaid Principal Balance [Member]
Participating Mortgage Loans [Line Items]
Non Accrual	127	1,307
Real Estate Church Related Mortgage [Member] \| Related Allowance for Loan Losses [Member]
Participating Mortgage Loans [Line Items]
Non Accrual	$ 127	$ 223

Loans (Summary of Allowance for Loan Losses) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014
Participating Mortgage Loans [Line Items]
Allowance for loan losses, Beginning Balance	$ 11,679
Charge-Offs	79
Recoveries	294
Provision
Allowance for loan losses, Ending Balance	11,894
Commercial and Industrial [Member]
Participating Mortgage Loans [Line Items]
Allowance for loan losses, Beginning Balance	3,139
Charge-Offs
Recoveries	41
Provision	335
Allowance for loan losses, Ending Balance	3,515
Real Estate Commercial Mortgage [Member]
Participating Mortgage Loans [Line Items]
Allowance for loan losses, Beginning Balance	3,064
Charge-Offs
Recoveries	222
Provision	(226)
Allowance for loan losses, Ending Balance	3,060
Real Estate Commercial Construction [Member]
Participating Mortgage Loans [Line Items]
Allowance for loan losses, Beginning Balance
Charge-Offs
Recoveries
Provision
Allowance for loan losses, Ending Balance
Real Estate Church Related Mortgage [Member]
Participating Mortgage Loans [Line Items]
Allowance for loan losses, Beginning Balance	4,375
Charge-Offs	76
Recoveries	30
Provision	(313)
Allowance for loan losses, Ending Balance	4,016
Real Estate Church Related Construction [Member]
Participating Mortgage Loans [Line Items]
Allowance for loan losses, Beginning Balance	124
Charge-Offs
Recoveries
Provision	16
Allowance for loan losses, Ending Balance	140
Industrial Revenue Bond [Member]
Participating Mortgage Loans [Line Items]
Allowance for loan losses, Beginning Balance	155
Charge-Offs
Recoveries
Provision	239
Allowance for loan losses, Ending Balance	394
Other [Member]
Participating Mortgage Loans [Line Items]
Allowance for loan losses, Beginning Balance	822
Charge-Offs	3
Recoveries	1
Provision	(51)
Allowance for loan losses, Ending Balance	$ 769

- Definition

Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.

+ References+ Details

Premises and Equipment (Narrative) (Details) (USD $)	12 Months Ended
Premises and Equipment (Narrative) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Premises and Equipment [Abstract]
Depreciation expense	$ 2,613,000	$ 2,361,000	$ 1,951,000
Rent expense	$ 1,405,000	$ 1,222,000	$ 547,000

Premises and Equipment (Summary of Premises and Equipment) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Premises and equipment, gross	$ 39,089	$ 37,819
Less accumulated depreciation	22,180	24,588
Total	16,909	13,231
Land [Member]
Premises and equipment, gross	873	873
Building [Member]
Premises and equipment, gross	12,541	10,801
Leaseholds and Leasehold Improvements [Member]
Premises and equipment, gross	2,112	2,086
Furniture and Fixtures [Member]
Premises and equipment, gross	10,762	12,081
Software [Member]
Premises and equipment, gross	10,274	9,328
Internally Developed Software [Member]
Premises and equipment, gross	$ 2,527	$ 2,650

Premises and Equipment (Schedule of Future Minimum Rental Payments) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014
Premises and Equipment [Abstract]
2015	$ 1,213
2016	1,071
2017	1,050
2018	861
2019	624
2020-2023	2,022
Total	$ 6,841

Acquired Intangible Assets (Narrative) (Details) (USD $)	12 Months Ended			1 Months Ended	12 Months Ended		1 Months Ended	12 Months Ended	1 Months Ended	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Jan. 31, 2012 Customer Lists [Member]	Dec. 31, 2014 Customer Lists [Member] Minimum [Member]	Dec. 31, 2014 Customer Lists [Member] Maximum [Member]	Jan. 31, 2012 Noncompete Agreements [Member]	Dec. 31, 2014 Noncompete Agreements [Member]	Jan. 31, 2012 Software [Member]	Dec. 31, 2014 Software [Member]	Dec. 31, 2014 Other Intangible Assets [Member]
Finite-lived intangible assets acquired				$ 3,183,000			$ 261,000		$ 234,000
Amortization period					7 years	10 years		5 years		3 years	15 years
Amortization of intangible assets	483,000	535,000	581,000
2015	405,000
2016	405,000
2017	353,000
2018	353,000
2019	$ 353,000

Acquired Intangible Assets (Schedule of Intangible Assets) (Details) (USD $)
In Thousands, unless otherwise specified

Dec. 31, 2014

Dec. 31, 2013

Assets eligible for amortization:

Gross Carrying Amount

$ 16,768

$ 16,745

Accumulated Amortization

(2,416)

(1,933)

Unamortized intangible assets:

Goodwill, Gross Carrying Amount

11,817

^[1]

11,817

^[1]

Goodwill, Accumulated Amortization

(227)

^[1]

(227)

^[1]

Customer Lists [Member]

Assets eligible for amortization:

Gross Carrying Amount

3,933

Accumulated Amortization

(1,705)

(1,387)

Patent [Member]

Assets eligible for amortization:

Gross Carrying Amount

Accumulated Amortization

(1)

Noncompete Agreements [Member]

Assets eligible for amortization:

Gross Carrying Amount

261

Accumulated Amortization

(157)

(105)

Software [Member]

Assets eligible for amortization:

Gross Carrying Amount

234

Accumulated Amortization

(234)

(156)

Other [Member]

Assets eligible for amortization:

Gross Carrying Amount

500

Accumulated Amortization

$ (92)

$ (58)

[1]	Amortization through December 31, 2001 prior to adoption of FASB ASC 350.

Interest-Bearing Deposits (Schedule of Interest-bearing Deposits) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Interest-Bearing Deposits [Abstract]
Interest-bearing demand deposits	$ 354,511	$ 316,743
Savings deposits	24,914	20
Time deposits:
Less than $100	6,956	7,777
$100 or more	72,819	91,219
Total	$ 459,200	$ 438,655
Weighted Average Interest Rate Interest-bearing demand deposits	0.49%	0.61%
Weighted Average Interest Rate Savings deposits	0.51%	0.66%
Weighted Average Interest Rate Less than $100	1.14%	1.09%
Weighted Average Interest Rate $100 or more	0.79%	0.81%
Weighted Average Interest Rate Total	0.58%	0.69%

Interest-Bearing Deposits (Schedule of Interest on Deposits) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Interest-Bearing Deposits [Abstract]
Interest-bearing demand deposits	$ 1,564	$ 1,737	$ 1,739
Savings deposits	87	138	169
Time deposits:
Less than $100	472	600	784
$100 or more	337	357	456
Total	$ 2,460	$ 2,832	$ 3,148

Interest-Bearing Deposits (Schedule of Maturities of Time Deposits) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Due within:
One year	$ 66,436	$ 84,088
Two years	10,759	12,690
Three years	1,148	594
Four years	1,250	459
Five years	182	1,165
Total	$ 79,775	$ 98,996
Percent of Total One year	83.30%	84.90%
Percent of Total Two years	13.50%	12.80%
Percent of Total Three years	1.40%	0.60%
Percent of Total Four years	1.60%	0.50%
Percent Of Toal Five years	0.20%	1.20%
Total	100.00%	100.00%

Unused Available Lines of Credit (Details) (USD $)	Dec. 31, 2014
Unsecured Debt [Member]
Line of credit amount	$ 88,000,000
Unsecured Debt [Member] \| US Bank [Member]
Line of credit amount	20,000,000
Unsecured Debt [Member] \| Wells Fargo Bank [Member]
Line of credit amount	15,000,000
Unsecured Debt [Member] \| PNC Bank [Member]
Line of credit amount	12,000,000
Unsecured Debt [Member] \| Frost National Bank [Member]
Line of credit amount	10,000,000
Unsecured Debt [Member] \| JPM Chase Bank [Member]
Line of credit amount	6,000,000
Unsecured Debt [Member] \| UMB Bank [Member]
Line of credit amount	5,000,000
Unsecured Debt [Member] \| Bank Of America [Member]
Line of credit amount	20,000,000
Secured Debt [Member] \| UMB Bank [Member]
Line of credit amount	50,000,000
Secured Debt [Member] \| Federal Home Loan Bank [Member]
Line of credit amount	158,247,000
Secured Debt [Member] \| First Tennessee Bank [Member]
Line of credit amount	$ 50,000,000

Common Stock and Earnings per Share (Schedule of Common Stock Outstanding) (Details)	12 Months Ended
	Dec. 31, 2014
Common Stock and Earnings per Share [Abstract]
Shares outstanding at January 1	11,521,480
Employee restricted stock grants	6,007
Employee SARs exercised	8,066
Directors' compensation	6,524
Shares repurchased	(39,502)
Shares outstanding at December 31	11,502,575

Common Stock and Earnings per Share (Schedule of Calculations of Basic and Diluted Earnings Per Share) (Details) (USD $) In Thousands, except Share data, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Basic
Net Income	$ 5,786	$ 6,401	$ 6,035	$ 5,811	$ 5,254	$ 6,138	$ 6,073	$ 6,032	$ 24,033	$ 23,497	$ 23,303
Weighted-average common shares outstanding (in shares)									11,479,025	11,441,158	11,378,216
Basic earnings per share (in dollars per share)	$ 0.50	$ 0.56	$ 0.52	$ 0.51	$ 0.45	$ 0.54	$ 0.53	$ 0.53	$ 2.09	$ 2.05	$ 2.05
Diluted
Net Income	$ 5,786	$ 6,401	$ 6,035	$ 5,811	$ 5,254	$ 6,138	$ 6,073	$ 6,032	$ 24,033	$ 23,497	$ 23,303
Weighted-average common shares outstanding (in shares)									11,479,025	11,441,158	11,378,216
Effect of dilutive restricted stock, stock options and SARs (in shares)									164,954	199,581	178,998
Weighted-average common shares outstanding assuming dilution (in shares)									11,643,979	11,640,739	11,557,214
Diluted earnings per share (in dollars per share)	$ 0.49	$ 0.55	$ 0.52	$ 0.50	$ 0.45	$ 0.53	$ 0.52	$ 0.52	$ 2.06	$ 2.02	$ 2.02

- Definition

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

+ References+ Details

- Definition

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

+ References+ Details

- Definition

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

+ References+ Details

Employee Benefit Plans (Narrative) (Details) (USD $)	12 Months Ended
Employee Benefit Plans (Narrative) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Defined contribution plan, contribution amount	$ 584,000	$ 591,000	$ 537,000
Fixed Income [Member]
Target plan asset	49.00%
U.S. Equity [Member]
Target plan asset	34.00%
Non-U.S. Equity [Member]
Target plan asset	16.00%
Defined Benefit Plan [Member]
Accumulated benefit obligation	69,420,000	52,187,000
Recognized prior service (cost) benefit	0
Net gains (losses) as a component of net periodic benefit cost	1,606,000
Supplemental Executive Retirement Plan [Member]
Accumulated benefit obligation	7,622,000	5,917,000
Contributions for plan	5,298,000	5,065,000	5,213,000
Recognized prior service (cost) benefit	0
Net gains (losses) as a component of net periodic benefit cost	$ 654,000

Employee Benefit Plans (Schedule of Projected Benefit Obligation) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013
Projected benefit obligation:
Balance, January 1	$ 63,439	$ 67,087
Service cost	3,003	3,452
Interest cost	3,037	2,819
Actuarial loss (gain)	13,349	(8,496)
Benefits paid	(1,486)	(1,423)
Balance, December 31	81,342	63,439
Plan assets:
Fair value, January 1	70,627	61,384
Actual return	3,831	9,166
Employer contribution		1,500
Benefits paid	(1,486)	(1,423)
Fair value, December 31	72,972	70,627
Funded status:
Accrued pension asset (liability)	$ (8,370)	$ 7,188

Employee Benefit Plans (Schedule of Assumptions used to Determine the Projected Benefit Obligation) (Details)

Dec. 31, 2014

Dec. 31, 2013

Dec. 31, 2012

Employee Benefit Plans [Abstract]

Weighted average discount rate

4.00%

5.00%

4.25%

Rate of increase in compensation levels

3.25%

^[1]

3.75%

[1]	6.0% graded down to 3.25% over the first seven years of service

Employee Benefit Plans (Schedule of Expected Pension Benefit Payments) (Details) (USD $)	Dec. 31, 2014
Employee Benefit Plans [Abstract]
2015	$ 1,842,000
2016	2,065,000
2017	2,305,000
2018	2,649,000
2019	2,822,000
2020-2024	$ 18,649,000

Employee Benefit Plans (Schedule of Plan's Pension Cost) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Service cost benefits earned during the year	$ 3,003	$ 3,452
Interest cost on projected benefit obligations	3,037	2,819
Defined Benefit Plan [Member]
Service cost benefits earned during the year	3,003	3,452	2,799
Interest cost on projected benefit obligations	3,037	2,819	2,570
Expected return on plan assets	(4,711)	(4,469)	(3,967)
Net amortization and deferral	244	1,729	1,473
Net periodic pension cost	$ 1,573	$ 3,531	$ 2,875

Employee Benefit Plans (Schedule of Assumptions used to Determine Net Pension Cost) (Details)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Employee Benefit Plans [Abstract]
Weighted average discount rate	5.00%	4.25%	4.75%
Rate of increase in compensation levels	3.75%	3.75%	4.00%
Expected long-term rate of return on assets	6.75%	7.25%	7.25%

Employee Benefit Plans (Schedule of Long-term Rate of Return on Assets (Details)	12 Months Ended
	Dec. 31, 2014
Defined Benefit Plan Disclosure [Line Items]
Assumed long-term rate of return on assets	6.75%
Fixed Income [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	49.00%
One-Year Nominal Return	4.79%
Annual Standard Deviation	4.68%
U.S. Equity [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	34.00%
Large Cap U.S. Growth Equities
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	9.00%
One-Year Nominal Return	8.42%
Annual Standard Deviation	19.20%
Large Cap U.S. Value Equities
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	9.00%
One-Year Nominal Return	7.53%
Annual Standard Deviation	16.73%
Large Cap U.S. Equities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	9.00%
One-Year Nominal Return	7.67%
Annual Standard Deviation	16.65%
Small Cap U.S. Equities [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	8.00%
One-Year Nominal Return	8.70%
Annual Standard Deviation	20.53%
Non-U.S. Equity [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	16.00%
International (Developed) [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	15.00%
One-Year Nominal Return	8.98%
Annual Standard Deviation	19.79%
International (Emerging) [Member]
Defined Benefit Plan Disclosure [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	1.00%
One-Year Nominal Return	10.77%
Annual Standard Deviation	28.45%

Employee Benefit Plans (Summary of the Fair Value Measurements by Type of Asset) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Total	$ 72,972	$ 70,627	$ 61,384
Cash [Member]
Total	268	245
U.S. Large Cap Growth [Member]
Total	7,165	6,650
U.S. Large Cap Value [Member]
Total	7,066	6,835
U.S. Small/Mid Cap Growth [Member]
Total	2,950	2,825
U.S. Small/Mid Cap Value [Member]
Total	2,721	2,784
Non-U.S. Core [Member]
Total	10,317	10,840
U.S. Large Cap Passive [Member]
Total	7,192	6,929
Emerging Markets [Member]
Total	703	711
U.S. Core Opportunistic [Member]
Total	24,019	22,720
U.S. Passive [Member]
Total	9,275	8,747
Opportunistic [Member]
Total	1,296	1,341
Fair Value, Inputs, Level 1 [Member]
Total	268	245
Fair Value, Inputs, Level 1 [Member] \| Cash [Member]
Total	268	245
Fair Value, Inputs, Level 1 [Member] \| U.S. Large Cap Growth [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| U.S. Large Cap Value [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| U.S. Small/Mid Cap Growth [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| U.S. Small/Mid Cap Value [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| Non-U.S. Core [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| U.S. Large Cap Passive [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| Emerging Markets [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| U.S. Core Opportunistic [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| U.S. Passive [Member]
Total
Fair Value, Inputs, Level 1 [Member] \| Opportunistic [Member]
Total
Fair Value, Inputs, Level 2 [Member]
Total	72,704	70,382
Fair Value, Inputs, Level 2 [Member] \| Cash [Member]
Total
Fair Value, Inputs, Level 2 [Member] \| U.S. Large Cap Growth [Member]
Total	7,165	6,650
Fair Value, Inputs, Level 2 [Member] \| U.S. Large Cap Value [Member]
Total	7,066	6,835
Fair Value, Inputs, Level 2 [Member] \| U.S. Small/Mid Cap Growth [Member]
Total	2,950	2,825
Fair Value, Inputs, Level 2 [Member] \| U.S. Small/Mid Cap Value [Member]
Total	2,721	2,784
Fair Value, Inputs, Level 2 [Member] \| Non-U.S. Core [Member]
Total	10,317	10,840
Fair Value, Inputs, Level 2 [Member] \| U.S. Large Cap Passive [Member]
Total	7,192	6,929
Fair Value, Inputs, Level 2 [Member] \| Emerging Markets [Member]
Total	703	711
Fair Value, Inputs, Level 2 [Member] \| U.S. Core Opportunistic [Member]
Total	24,019	22,720
Fair Value, Inputs, Level 2 [Member] \| U.S. Passive [Member]
Total	9,275	8,747
Fair Value, Inputs, Level 2 [Member] \| Opportunistic [Member]
Total	$ 1,296	$ 1,341

Employee Benefit Plans (Summary of the Activity in the SERP's Projected Benefit Obligation) (Details) (USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Benefit obligation:
Balance, January 1	$ 63,439,000	$ 67,087,000
Service cost	3,003,000	3,452,000
Interest cost	3,037,000	2,819,000
Benefits paid	1,486,000	1,423,000
Actuarial (gain) loss	13,349,000	(8,496,000)
Balance, December 31	81,342,000	63,439,000
Supplemental Executive Retirement Plan [Member]
Benefit obligation:
Balance, January 1	8,048,000	8,482,000
Service cost	136,000	144,000	115,000
Interest cost	377,000	335,000	307,000
Benefits paid	(236,000)	(236,000)	(236,000)
Actuarial (gain) loss	1,078,000	(677,000)
Balance, December 31	$ 9,403,000	$ 8,048,000	$ 8,482,000

- Definition

The amount of payments made for which participants are entitled under a pension plan, including pension benefits, death benefits, and benefits due on termination of employment. Also includes payments made under a postretirement benefit plan, including prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services. This item represents a periodic decrease to the plan obligations and a decrease to plan assets.

+ References+ Details

Employee Benefit Plans (Schedule of Assumptions used to Determine Projected Benefit Obligation of the SERP) (Details)

Dec. 31, 2014

Dec. 31, 2013

Dec. 31, 2012

Weighted average discount rate

4.00%

5.00%

4.25%

Rate of increase in compensation levels

3.25%

^[1]

3.75%

Supplemental Executive Retirement Plan [Member]

Weighted average discount rate

3.75%

4.75%

4.00%

Rate of increase in compensation levels

3.25%

^[2]

3.75%

[1]	6.0% graded down to 3.25% over the first seven years of service
[2]	6.00% graded down to 3.25% over the first seven years of service.

Employee Benefit Plans (Schedule of Expected Future Benefits Payable) (Details) (USD $)	Dec. 31, 2014
2015	$ 1,842,000
2016	2,065,000
2017	2,305,000
2018	2,649,000
2019	2,822,000
2020-2024	18,649,000
Supplemental Executive Retirement Plan [Member]
2015	236,000
2016	244,000
2017	258,000
2018	324,000
2019	323,000
2020-2024	$ 2,852,000

Employee Benefit Plans (Schedule of SERP's Pension Cost) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Service cost - benefits earned during the year	$ 3,003	$ 3,452
Interest cost on projected benefit obligations	3,037	2,819
Supplemental Executive Retirement Plan [Member]
Service cost - benefits earned during the year	136	144	115
Interest cost on projected benefit obligations	377	335	307
Net amortization and deferral	431	551	360
Net periodic pension cost	$ 944	$ 1,030	$ 782

Employee Benefit Plans (Schedule of the Pretax amounts in Accumulated Other Comprehensive Loss) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Defined Benefit Plan [Member]
Prior service cost		$ 8
Net actuarial loss	25,464	11,471
Total	25,464	11,479
Supplemental Executive Retirement Plan [Member]
Prior service cost
Net actuarial loss	3,723	3,075
Total	$ 3,723	$ 3,075

Stock-based Compensation (Narrative) (Details) (USD $)	12 Months Ended
Stock-based Compensation (Narrative) (Details) (USD $)	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares authorized for issuance	1,500,000
Share-Based Compensation	$ 2,041,000	$ 1,975,000	$ 1,399,000
Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares granted	22,629	30,407	28,370
Shares granted, weighted average grant date market value		$ 42.21	$ 34.03
Vesting period	3 years
Amortization of restricted stock bonus	1,250,000	1,176,000	788,000
Total unrecognized compensation expense	1,154,000
Total unrecognized compensation expense, weighted average period	6 months 18 days
Total fair value of shares vested	1,066,000	822,000	788,000
SARs [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Shares granted	37,213
Shares granted, weighted average grant date market value	$ 17.84
Total unrecognized compensation expense	815,000
Total unrecognized compensation expense, weighted average period	1 year 11 days
Total intrinsic value of options exercised	792,000	2,328,000
Average remaining contractual term	6 years 9 months 7 days	7 years 3 months 29 days
Outstanding, Aggregate Intrinsic Value	$ 6,277,000	$ 12,137,000

Stock-based Compensation (Schedule of Restricted Stock Outstanding) (Details) (Restricted Stock [Member], USD $)	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Restricted Stock [Member]
Shares
Balance at December 31, 2013	58,649
Granted	22,629	30,407	28,370
Vested	(30,117)
Balance at December 31, 2014	51,161	58,649
Weighted Average Grant Date Fair Value
Balance at December 31, 2013	$ 37.45
Granted	$ 58.89
Forfeited	$ 35.41
Balance at December 31, 2014	$ 48.13	$ 37.45

Stock-based Compensation (Schedule of the Assumptions of SARs) (Details) (SARs [Member])	12 Months Ended
	Dec. 31, 2014
SARs [Member]
Share-based Compensation Arrangement by Share-based Payment Award [Line Items]
Risk free interest rate	2.38%
Expected life	7 years
Expected volatility	28.11%
Expected dividend yield	1.30%

Stock-based Compensation (Schedule of SARs Oustanding) (Details) (SARs [Member], USD $)	12 Months Ended
	Dec. 31, 2014
SARs [Member]
SARs
Balance at December 31, 2013	343,445
Granted	37,213
Exercised	(26,703)
Balance at December 31, 2014	353,955
Exercisable at December 31, 2014	228,973
Weighted Average Exercise Price
Balance at December 31, 2013	$ 32.01
Granted	$ 61.64
Exercised	$ 26.83
Balance at December 31, 2014	$ 35.52
Exercisable at December 31, 2014	$ 29.87

Other Operating Expense (Schedule of Other Operating Expense) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Other Operating Expense [Abstract]
Postage and supplies	$ 2,008	$ 2,066	$ 2,052
Promotional expense	2,049	2,024	2,345
Professional fees	1,566	1,340	2,183
Outside service fees	2,876	3,046	2,729
Data processing services	338	367	373
Telecommunications	1,045	955	754
Other	1,647	1,347	1,080
Total other operating expense	$ 11,529	$ 11,145	$ 11,516

Income Taxes (Narrative) (Details) (USD $)

12 Months Ended

Dec. 31, 2014

Dec. 31, 2013

Dec. 31, 2012

Income Taxes [Line Items]

Statutory federal tax rate

35.00%

Net operating loss carryforward

$ 255,000

^[1]

$ 298,000

^[1]

Amounts of tax benefits that would affect effective tax rate if recognized

819,000

861,000

1,357,000

Income tax accrued interest

45,000

41,000

89,000

Increase (reduction) in accrued interest

4,000

(48,000)

Reduction of tax benefits over the next twelve months

210,000

Franklin Bancorp [Member]

Income Taxes [Line Items]

Net operating loss carryforward

729,000

Limitations on use

$ 122,000

Net operating loss carryforward expiration date

Dec. 31, 2020

[1]

Income Taxes (Components of Income Tax Expense (Benefit)) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Current:
Federal									$ 7,189	$ 6,729	$ 6,195
State									1,191	448	718
Deferred:
Federal									(585)	39	933
State									(36)	18	41
Total income tax expense	$ 1,902	$ 2,013	$ 1,958	$ 1,886	$ 1,582	$ 1,533	$ 2,106	$ 2,013	$ 7,759	$ 7,234	$ 7,887

- Definition

Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.

+ References+ Details

- Definition

Amount of current state and local tax expense (benefit) pertaining to income (loss) from continuing operations.

+ References+ Details

- Definition

Amount of deferred federal income tax expense (benefit) pertaining to income (loss) from continuing operations.

+ References+ Details

- Definition

Amount of deferred state and local tax expense (benefit) pertaining to income (loss) from continuing operations.

+ References+ Details

Income Taxes (Schedule of Reconciliation of Expected Income Tax Expense (Benefit)) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income Taxes [Abstract]
Expected income tax expense									$ 11,127	$ 10,756	$ 10,917
(Reductions) increases resulting from:
Tax-exempt income									(3,896)	(3,297)	(3,633)
State taxes, net of federal benefit									751	(528)	493
Other, net									(223)	303	110
Total income tax expense	$ 1,902	$ 2,013	$ 1,958	$ 1,886	$ 1,582	$ 1,533	$ 2,106	$ 2,013	$ 7,759	$ 7,234	$ 7,887

Income Taxes (Schedule of Deferred Tax Assets and Liabilities) (Details) (USD $)
In Thousands, unless otherwise specified

Dec. 31, 2014

Dec. 31, 2013

Deferred tax assets:

Allowance for loan losses

$ 4,441

$ 4,368

ASC 715 pension funding liability

10,887

5,444

Net operating loss carryforward

255

^[1]

298

^[1]

Stock compensation

337

Supplemental executive retirement plan accrual

1,392

1,130

Other

509

569

Total deferred tax assets

17,484

12,146

Deferred tax liabilities:

Premises and equipment

(976)

(1,767)

Pension

(5,636)

(6,233)

Stock compensation

(394)

Intangible/assets

(1,153)

(996)

Unrealized gain on investment in securities available-for-sale

(5,172)

(2,086)

Other

(407)

(353)

Total deferred tax liabilities

(13,738)

(11,435)

Net deferred tax assets

$ 3,746

$ 711

[1]

Income Taxes (Schedule of the Reconciliation of Unrecognized Tax Benefits) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income Taxes [Abstract]
Balance at January 1	$ 1,208	$ 1,885	$ 2,069
Changes in unrecognized tax benefits as a result of tax positions taken during a prior year	(107)	(666)	(140)
Changes in unrecognized tax benefits as a result of tax position taken during the current year	267	374	419
Decreases in unrecognized tax benefits relating to settlements with taxing authorities
Reductions to unrecognized tax benefits as a result of a lapse of the applicable statute of limitations	(251)	(385)	(463)
Balance at December 31	$ 1,117	$ 1,208	$ 1,885

Disclosures about Fair Value of Financial Instruments (Schedule of Commitments to Extend Credit, Standby Letters of Credit and Commercial Letters) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013
Commitments To Extend Credit [Member]
Long-term Line of Credit	$ 19,066	$ 5,596
Standby Letters Of Credit [Member]
Long-term Line of Credit	12,693	13,168
Commercial Letters Of Credit [Member]
Long-term Line of Credit	$ 2,571	$ 3,325

- Definition

The carrying value as of the balance sheet date of the current and noncurrent portions of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement.

+ References+ Details

Disclosures about Fair Value of Financial Instruments (Summary of the Company's Financial Instruments) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Fair Value Disclosures [Abstract]
Cash and cash equivalents, Carrying Amount	$ 294,335	$ 225,262	$ 141,088	$ 235,962
Securities available-for-sale, at fair value	356,141	317,767
Loans, net, Carrying Amount	657,452	640,498
Accrued interest receivable, Carrying Amount	6,521	6,030
Assets, Carrying Amount	1,314,449	1,189,557
Cash and cash equivalents, Fair Value	294,335	225,262
Investment in securities, Fair Value	356,141	317,767
Loans, net, Fair Value	663,247	642,543
Accrued interest receivable, Fair Value	6,521	6,030
Assets, Fair Value	1,320,244	1,191,602
Deposits, Carrying Amount	618,199	582,496
Accounts and drafts payable, Carrying Amount	655,428	543,953
Accrued interest payable, Carrying Amount	57	88
Liabilities, Carrying Amount	1,273,684	1,126,537
Deposits, Fair Value	618,199	583,989
Accounts and drafts payable, Fair Value	655,428	543,953
Accrued interest payable, Fair Value	57	88
Liabilities, Fair Value	$ 1,273,684	$ 1,128,030

Industry Segment Information (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Fee revenue and other income:
Income from customers									$ 79,907	$ 76,572	$ 71,138
Intersegment income (expense)
Net interest income (expense) after provision for loan losses:
Income from customers									37,299	38,245	40,385
Intersegment income (expense)
Depreciation and amortization									3,096	2,896	2,532
Income tax expense	1,902	2,013	1,958	1,886	1,582	1,533	2,106	2,013	7,759	7,234	7,887
Net income	5,786	6,401	6,035	5,811	5,254	6,138	6,073	6,032	24,033	23,497	23,303
Goodwill	11,590				11,590				11,590	11,590	11,590
Other intangible assets, net	2,762				3,222				2,762	3,222	3,757
Total assets	1,500,731				1,326,020				1,500,731	1,326,020	1,287,387
Information Services [Member]
Fee revenue and other income:
Income from customers									78,773	75,010	70,376
Intersegment income (expense)									9,210	9,637	9,478
Net interest income (expense) after provision for loan losses:
Income from customers									15,678	15,986	18,547
Intersegment income (expense)									12	11	24
Depreciation and amortization									2,795	2,638	2,392
Income tax expense									3,006	2,232	2,802
Net income									16,379	15,237	15,761
Goodwill	11,454				11,454				11,454	11,454	11,454
Other intangible assets, net	2,762				3,222				2,762	3,222	3,757
Total assets	782,844				657,604				782,844	657,604	642,623
Banking Services [Member]
Fee revenue and other income:
Income from customers									1,134	1,216	1,272
Intersegment income (expense)									1,504	1,479	1,663
Net interest income (expense) after provision for loan losses:
Income from customers									21,621	22,259	21,838
Intersegment income (expense)									(12)	(11)	(24)
Depreciation and amortization									182	143	101
Income tax expense									4,753	5,002	5,085
Net income									7,654	8,133	8,014
Goodwill	136				136				136	136	136
Other intangible assets, net
Total assets	755,400				679,357				755,400	679,357	668,648
Corporate Eliminations and Other [Member]
Fee revenue and other income:
Income from customers										346	(510)
Intersegment income (expense)									(10,714)	(11,116)	(11,141)
Net interest income (expense) after provision for loan losses:
Income from customers
Intersegment income (expense)
Depreciation and amortization									119	115	39
Income tax expense
Net income										127	(472)
Goodwill
Other intangible assets, net
Total assets	$ (37,513)				$ (10,941)				$ (37,513)	$ (10,941)	$ (23,884)

Condensed Financial Information of Parent Company (Schedule of Condensed Balance Sheets) (Details) (USD $) In Thousands, unless otherwise specified	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012	Dec. 31, 2011
Assets
Cash and due from banks	$ 11,307	$ 11,283
Securities available-for-sale, at fair value	356,141	317,767
Loans, net	657,452	640,498
Premises and equipment, net	16,909	13,231
Other assets	25,886	21,363
Total assets	1,500,731	1,326,020	1,287,387
Liabilities and Shareholders' Equity
Accounts and drafts payable	655,428	543,953
Other liabilities	26,672	9,144
Total liabilities	1,300,299	1,135,593
Total shareholders equity	200,432	190,427	174,015	160,548
Total liabilities and shareholders' equity	1,500,731	1,326,020
Parent [Member]
Assets
Cash and due from banks	32,399	24,519
Short-term investments	107,932	63,063
Securities available-for-sale, at fair value	356,141	317,767
Loans, net	115,958	125,316
Investments in subsidiaries	82,688	76,500
Premises and equipment, net	16,030	12,276
Other assets	166,235	120,438
Total assets	877,383	739,879
Liabilities and Shareholders' Equity
Accounts and drafts payable	655,358	543,953
Other liabilities	21,511	5,521
Total liabilities	676,869	549,474
Total shareholders equity	200,514	190,405
Total liabilities and shareholders' equity	$ 877,383	$ 739,879

Condensed Financial Information of Parent Company (Schedule of Condensed Statement of Income) (Details) (USD $) In Thousands, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Income from subsidiaries:
Net interest income after provision									$ 37,299	$ 38,245	$ 40,385
Gain on sales of investment securities									23	4,024	2,635
Total net revenue									117,206	114,817	111,523
Expenses [Abstract]
Salaries and employee benefits									66,100	65,722	62,563
Other expenses									1,647	1,347	1,080
Total operating expense	21,887	21,196	21,306	21,025	21,296	21,384	21,017	20,389	85,414	84,086	80,333
Income tax expense	1,902	2,013	1,958	1,886	1,582	1,533	2,106	2,013	7,759	7,234	7,887
Net income	5,786	6,401	6,035	5,811	5,254	6,138	6,073	6,032	24,033	23,497	23,303
Parent Company [Member]
Income from subsidiaries:
Interest									12	12	24
Management fees									2,058	2,119	1,955
Income from subsidiaries									2,070	2,131	1,979
Information services revenue									77,064	70,503	66,417
Net interest income after provision									14,986	15,069	17,563
Gain on sales of investment securities									23	3,677	3,145
Other income									1,323	527	535
Total net revenue									95,466	91,907	89,639
Expenses [Abstract]
Salaries and employee benefits									59,885	59,004	55,981
Other expenses									15,587	15,027	14,492
Total operating expense									75,472	74,031	70,473
Income before income tax and equity in undistributed income of subsidiaries									19,994	17,876	19,166
Income tax expense									3,125	2,381	2,914
Income before undistributed income of subsidiaries									16,869	15,495	16,252
Equity in undistributed income of subsidiaries									7,164	7,530	7,523
Intercompany elimination										472	(472)
Net income									$ 24,033	$ 23,497	$ 23,303

Condensed Financial Information of Parent Company (Schedule of Statements of Cash Flows) (Details) (USD $) In Thousands, unless otherwise specified	12 Months Ended
	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Cash flows from operating activities:
Net income	$ 24,033	$ 23,497	$ 23,303
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Net cash provided by operating activities	34,843	28,886	35,328
Cash flows from investing activities:
Net increase in securities	(54,054)	(104,351)	(114,646)
Net decrease in loans	(16,954)	34,378	(19,165)
Purchases of premises and equipment, net	(6,291)	(4,857)	(3,099)
Net cash (used in) provided by investing activities	(100,949)	24,901	(65,207)
Cash flows from financing activities:
Net increase (decrease) in accounts and drafts payable	111,475	21,192	(72,440)
Cash dividends paid	(9,337)	(8,510)	(7,361)
Purchase of common shares of treasury	(1,848)
Other financing activities	(814)	(1,083)	(534)
Net cash (used in) provided by financing activities	135,179	30,387	(64,995)
Net increase (decrease) in cash and cash equivalents	69,073	84,174	(94,874)
Cash and cash equivalents at beginning of year	225,262	141,088	235,962
Cash and cash equivalents at end of year	294,335	225,262	141,088
Parent Company [Member]
Cash flows from operating activities:
Net income	24,033	23,497	23,303
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Equity in undistributed income of subsidiaries	(7,164)	(7,530)	(7,523)
Net change in other assets	(44,879)	(8,420)	(3,338)
Net change in other liabilities	534	(2,729)	5,603
Amortization of stock-based awards	1,250	1,177	1,201
Other, net	13,487	(4,180)	(2,673)
Net cash provided by operating activities	(12,739)	1,815	16,573
Cash flows from investing activities:
Net increase in securities	(35,128)	(15,385)	(7,697)
Net decrease in loans	9,358	31,619	16,319
Purchases of premises and equipment, net	(8,941)	(4,050)	(3,555)
Net cash (used in) provided by investing activities	(34,711)	12,184	5,067
Cash flows from financing activities:
Net increase (decrease) in accounts and drafts payable	111,405	21,192	(72,440)
Cash dividends paid	(9,337)	(8,510)	(7,361)
Other financing activities	(1,869)	(513)	(2,454)
Net cash (used in) provided by financing activities	100,199	12,169	(82,255)
Net increase (decrease) in cash and cash equivalents	52,749	26,168	(60,615)
Cash and cash equivalents at beginning of year	87,582	61,414	122,029
Cash and cash equivalents at end of year	$ 140,331	$ 87,582	$ 61,414

SUPPLEMENTARY FINANCIAL INFORMATION (Details) (USD $) In Thousands, except Per Share data, unless otherwise specified	3 Months Ended								12 Months Ended
	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013	Sep. 30, 2013	Jun. 30, 2013	Mar. 31, 2013	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Fee revenue and other income	$ 20,157	$ 20,223	$ 19,952	$ 19,575	$ 18,845	$ 19,695	$ 19,567	$ 18,465	$ 79,907	$ 76,572	$ 71,138
Interest income	10,021	9,991	9,975	9,772	10,016	10,082	10,623	10,856	39,759	41,577	45,933
Interest expense	603	604	628	625	729	722	694	687	2,460	2,832	3,148
Net interest income	9,418	9,387	9,347	9,147	9,287	9,360	9,929	10,169	37,299	38,745	42,785
Provision for loan losses							300	200		500	2,400
Operating expense	21,887	21,196	21,306	21,025	21,296	21,384	21,017	20,389	85,414	84,086	80,333
Income tax expense	1,902	2,013	1,958	1,886	1,582	1,533	2,106	2,013	7,759	7,234	7,887
Net income	$ 5,786	$ 6,401	$ 6,035	$ 5,811	$ 5,254	$ 6,138	$ 6,073	$ 6,032	$ 24,033	$ 23,497	$ 23,303
Net income per share:
Basic earnings per share	$ 0.50	$ 0.56	$ 0.52	$ 0.51	$ 0.45	$ 0.54	$ 0.53	$ 0.53	$ 2.09	$ 2.05	$ 2.05
Diluted earnings per share	$ 0.49	$ 0.55	$ 0.52	$ 0.50	$ 0.45	$ 0.53	$ 0.52	$ 0.52	$ 2.06	$ 2.02	$ 2.02

Subsequent Events	12 Months Ended
Subsequent Events	Dec. 31, 2014
Subsequent Events [Abstract]
Subsequent Events	Note 17 Subsequent Events In accordance with FASB ASC 855, “Subsequent Events,” the Company has evaluated subsequent events after the consolidated balance sheet date of December 31, 2014, and there were no events identified that would require additional disclosures to prevent the Company's consolidated financial statements from being misleading.

Summary of Significant Accounting Policies (Narrative) (Details)	12 Months Ended
	Dec. 31, 2014
Ownership percentage	20.00%
Buildings [Member] \| Maximum [Member]
Estimated useful lives	40 years
Leasehold Improvements [Member] \| Minimum [Member]
Estimated useful lives	10 years
Software, Equipment, Furniture and Fixtures [Member] \| Minimum [Member]
Estimated useful lives	3 years
Software, Equipment, Furniture and Fixtures [Member] \| Maximum [Member]
Estimated useful lives	7 years