postgres 9.0.4 configuration and performance issue

We have 4 applications ( 2 transactional , 2 ( transactional + reporting ))
on postgres 32 bit 9.0.4

Some of the queries are extreemly taking time ( 10 seconds). I can the
explain for that also.

I just want to get your thoughts on the conf file values we have are good.
Really appreciate your help.

Attachment has the postgresql.conf file ( too big to put this email ) .
Following is the detail from the top command

The top command gave us the following

pci, instance #5
pci, instance #5
load averages: 17.5, 18.1, 18.6; up
673+23:00:23
16:33:58
156 processes: 140 sleeping, 16 on cpu
CPU states: 76.5% idle, 22.8% user, 0.7% kernel, 0.0% iowait, 0.0% swap
Memory: 64G phys mem, 19G free mem, 63G total swap, 63G free swap

PID USERNAME LWP PRI NICE SIZE RES STATE TIME CPU COMMAND
7041 postgres 1 0 0 3180M 3174M cpu/26 113:08 1.59% postgres
22787 postgres 1 0 0 3181M 3174M cpu/32 185:09 1.59% postgres
28199 postgres 1 0 0 3178M 3172M cpu/11 41:52 1.59% postgres
20361 postgres 1 0 0 3180M 3174M cpu/46 201:25 1.59% postgres
3768 postgres 1 0 0 3179M 3172M cpu/51 42:47 1.59% postgres
5410 postgres 1 0 0 3180M 3174M cpu/19 129:45 1.58% postgres
8183 postgres 1 0 0 3181M 3175M cpu/63 397:59 1.58% postgres
20472 postgres 1 0 0 3181M 3174M cpu/38 191:32 1.57% postgres
22793 postgres 1 0 0 3181M 3175M sleep 155:57 1.54% postgres
27811 postgres 1 0 0 3179M 3173M cpu/7 61:28 1.50% postgres
3770 postgres 1 0 0 3176M 3170M cpu/59 26:25 1.29% postgres
9473 postgres 1 0 0 3167M 3162M cpu/14 6:44 1.16% postgres
19994 postgres 1 50 0 3179M 3173M sleep 81:53 1.10% postgres
2773 postgres 1 0 0 3162M 3157M cpu/1 32:07 1.08% postgres
6356 postgres 1 0 0 3180M 3174M cpu/2 130:16 0.64% postgres

Appreciate your help
regards