The capital terms used in this note to the consolidated financial statements are defined in the regulations as well as in the “Capital Resources” section of Management’s Discussion and Analysis of Financial Condition and Results of Operations in this Form 10-K.



(Dollars in thousands)	Consolidated
	Actual				Adequately Capitalized:				Well Capitalized:
As of December 31, 2015	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total risk-based capital ^{(1) (2)}
(to Risk Weighted Assets)	$	2,733,143	13.74	%	$	1,591,341	8.00	%	$	1,989,176	10.00	%
CET1 capital ^{(1) (2)}
(to Risk Weighted Assets)	2,119,025		10.65	%	895,129		4.50	%	1,292,964		6.50	%
Tier 1 Capital ^{(1) (2)}
(to Risk Weighted Assets)	2,119,025		10.65	%	1,193,506		6.00	%	1,591,341		8.00	%
Tier 1 leverage ^{(1) (2)}
(to Average Assets)	2,119,025		8.63	%	981,690		4.00	%	1,227,113		5.00	%
	Actual				Adequately Capitalized:				Well Capitalized:
As of December 31, 2014	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total risk-based capital ^{(1) (2)}
(to Risk Weighted Assets)	$	2,653,893	15.26	%	$	1,391,282	8.00	%	$	1,739,102	10.00	%
Tier 1 Capital ^{(1) (2)}
(to Risk Weighted Assets)	2,004,461		11.53	%	695,641		4.00	%	1,043,461		6.00	%
Tier 1 leverage ^{(1) (2)}
(to Average Assets)	2,004,461		8.43	%	951,430		4.00	%	1,189,287		5.00	%

(1) See Figure 4 entitled GAAP to Non-GAAP Reconciliations, which presents the computations of certain financial measures related to tangible common equity and efficiency ratios. The table reconciles the GAAP performance measures to the corresponding non-GAAP measures, which provides a basis for period to period comparisons.

(2) The Basel III capital rules, effective January 1, 2015, replace tier 1 common equity and the associated tier 1 common equity ratio with CET1 capital and the CET1 risk-based capital ratio. December 31, 2015 figures are presented on a Basel III basis and reflect transitional capital requirements and phase-in provisions, including the standardized approach for calculating risk weighted assets. December 31, 2014 amounts and ratios are reported on a Basel I basis.

At December 31, 2015 and 2014, the most recent notification from the OCC categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized the Bank must maintain minimum total risk-based, CET1 risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table. In Management’s opinion, there are no conditions or events since the OCC’s notification that have changed the Bank’s categorization as “well-capitalized.”



	Bank Only
(Dollars in thousands)	Actual				Adequately Capitalized:				Well Capitalized:
As of December 31, 2015	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total risk-based capital ^{(1) (2)}
(to Risk Weighted Assets)	$	2,668,419	13.42	%	$	1,590,382	8.00	%	$	1,987,978	10.00	%
CET1 capital ^{(1) (2)}
(to Risk Weighted Assets)	2,262,669		11.38	%	894,590		4.50	%	1,292,185		6.50	%
Tier 1 Capital ^{(1) (2)}
(to Risk Weighted Assets)	2,262,669		11.38	%	1,192,787		6.00	%	1,590,382		8.00	%
Tier 1 leverage ^{(1) (2)}
(to Average Assets)	2,262,669		9.23	%	980,975		4.00	%	1,226,219		5.00	%
	Actual				Adequately Capitalized:				Well Capitalized:
As of December 31, 2014	Amount		Ratio		Amount		Ratio		Amount		Ratio
Total risk-based capital ^{(1) (2)}
(to Risk Weighted Assets)	$	2,521,412	14.49	%	$	1,391,988	8.00	%	$	1,739,986	10.00	%
Tier 1 Capital ^{(1) (2)}
(to Risk Weighted Assets)	2,127,065		12.22	%	695,994		4.00	%	1,043,991		6.00	%
Tier 1 leverage ^{(1) (2)}
(to Average Assets)	2,127,065		8.94	%	951,455		4.00	%	1,189,319		5.00	%