REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2011

The capital ratios and amounts of the Company and the Bank as of December 31 are presented below:

	2011		2010
(000's omitted)	Company	Bank	Company	Bank
Tier 1 capital to average assets
Amount	$508,250	$459,680	$424,408	$380,174
Ratio	8.38%	7.60%	8.23%	7.40%
Minimum required amount	$242,559	$241,995	$206,206	$205,622

Tier 1 capital to risk-weighted assets
Amount	$508,250	$502,193	$424,408	$380,174
Ratio	14.31%	12.99%	13.49%	12.13%
Minimum required amount	$142,074	$141,529	$125,840	$125,404

Total core capital to risk-weighted assets
Amount	$550,763	$502,193	$463,777	$419,408
Ratio	15.51%	14.19%	14.74%	13.38%
Minimum required amount	$284,148	$283,058	$251,680	$250,809

- 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