REGULATORY MATTERS (Tables)

6 Months Ended

Jun. 30, 2015

Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations

The following table presents capital and capital ratio information evidencing the Company’s transition from Basel I regulatory accounting as of December 31, 2014 to Basel III regulatory accounting as of June 30, 2015. Basel I requirements did not include the common equity tier I capital ratio. Certain Basel III requirements are subject to phase-in through 2018, and these phase-in rules are used in this report of actual regulatory ratios. In addition, the Company has declared itself as an “AOCI opt-out” institution, which means that the Company will not be required to change its methodology for recognizing in regulatory capital only a subset of unrealized gains and losses that are classified as AOCI. As an AOCI opt-out institution, the Company is not required to recognize within regulatory capital the impacts of net unrealized gains and losses on securities AFS, accumulated net gains and losses on cash-flow hedges included in AOCI, net gains and losses on certain defined benefit pension plan assets, and net unrealized gains and losses on securities held to maturity that are included in AOCI.



	Transitional Basel III
										FDIC Requirements
		Actual				Minimum Capital Adequacy				Classification as Well-capitalized
(dollars in millions)		Amount		Ratio		Amount		Ratio		Amount		Ratio
As of June 30, 2015	Basel III
Common equity tier 1 capital			$13,270	11.8	%		$5,046	4.5	%		$7,289	6.5	%
Tier 1 capital to risk-weighted assets		13,517		12.1		6,728		6.0		8,970		8.0
Total capital to risk-weighted assets		17,123		15.3		8,970		8.0		11,213		10.0
Tier 1 capital to average assets (leverage)		13,517		10.4		5,180		4.0		6,475		5.0
As of December 31, 2014	Basel I
Tier 1 common equity			$13,173	12.4	%	Not Applicable		Not Applicable		Not Applicable		Not Applicable
Tier 1 capital to risk-weighted assets		13,173		12.4			$4,239	4.0	%		$6,358	6.0	%
Total capital to risk-weighted assets		16,781		15.8		8,477		8.0		10,596		10.0
Tier 1 capital to average assets (leverage)		13,173		10.6		4,982		4.0		6,227		5.0