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CASH, DUE FROM BANKS, INTEREST-BEARING DEPOSITS AND FEDERAL FUNDS SOLD | 12 Months Ended
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Dec. 31, 2013
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CASH, DUE FROM BANKS, INTEREST-BEARING DEPOSITS AND FEDERAL FUNDS SOLD | (3) CASH, DUE FROM BANKS, INTEREST-BEARING DEPOSITS AND FEDERAL FUNDS SOLD The Company maintains accounts with the Federal Reserve Bank and various other financial institutions primarily for the purpose of holding excess liquidity and clearing cash items. It may also sell Federal funds to certain of these institutions on an overnight basis. At December 31, 2013 and 2012, the Company had no significant concentrations of credit risk with other financial institutions. The Company maintained vault cash and excess funds with the Federal Reserve Bank, which is included in the table below. The Company is required, as a matter of law, to maintain a reserve balance in the form of vault cash or cash on deposit with the Federal Reserve Bank. The average amount of required reserves for each of the years ended December 31, 2013 and 2012 is included in the following table:
|  | December 31, |
|  | 2013 |  |  | 2012 |
|  | (Dollars in thousands) |
Vault cash and excess funds with the Federal Reserve Bank |  | $ | 1,758,908 |  |  | $ | 1,809,584 |
Average required reserves |  |  | 37,456 |  |  |  | 38,949 |

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