REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2011

Regulatory Capital Amounts and Ratios in Comparison with Minimum Requirement by FRB for Capital Adequacy Purposes

The following tables present the regulatory capital ratios for the Company at December 31, 2011 and 2010, in comparison with the minimum amounts and ratios required by the FRB for capital adequacy purposes:

						Risk-Based Capital
At December 31, 2011	Leverage Capital					Tier 1					Total
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total regulatory capital	$	3,580,302		9.09	%	$	3,580,302		13.59	%	$	3,750,915		14.23	%
Minimum for capital adequacy purposes		1,575,464		4.00			1,054,144		4.00			2,108,287		8.00
Excess	$	2,004,838		5.09	%	$	2,526,158		9.59	%	$	1,642,628		6.23	%

						Risk-Based Capital
At December 31, 2010	Leverage Capital					Tier 1					Total
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total regulatory capital	$	3,503,672		9.07	%	$	3,503,672		13.69	%	$	3,674,679		14.36	%
Minimum for capital adequacy purposes		1,544,875		4.00			1,023,848		4.00			2,047,696		8.00
Excess	$	1,958,797		5.07	%	$	2,479,824		9.69	%	$	1,626,983		6.36	%

Actual Capital Amounts and Ratios for Community Bank in Comparison to Minimum Requirement for Capital Adequacy Purposes

The following tables present the actual capital amounts and ratios for the Community Bank at December 31, 2011 and 2010 in comparison to the minimum amounts and ratios required for capital adequacy purposes:

						Risk-Based Capital
At December 31, 2011	Leverage Capital					Tier 1					Total
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total regulatory capital	$	3,125,359		8.46	%	$	3,125,359		12.78	%	$	3,283,502		13.42	%
Minimum for capital adequacy purposes		1,478,304		4.00			978,548		4.00			1,957,097		8.00
Excess	$	1,647,055		4.46	%	$	2,146,811		8.78	%	$	1,326,405		5.42	%

						Risk-Based Capital
At December 31, 2010	Leverage Capital					Tier 1					Total
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total regulatory capital	$	3,200,193		8.80	%	$	3,200,193		13.30	%	$	3,356,156		13.95	%
Minimum for capital adequacy purposes		1,454,555		4.00			962,360		4.00			1,924,720		8.00
Excess	$	1,745,638		4.80	%	$	2,237,833		9.30	%	$	1,431,436		5.95	%

Actual Capital Amounts and Ratios for Commercial Bank in Comparison to Minimum Requirement for Capital Adequacy Purposes

The following tables present the actual capital amounts and ratios for the Commercial Bank at December 31, 2011 and 2010 in comparison to the minimum amounts and ratios required for capital adequacy purposes:

						Risk-Based Capital
At December 31, 2011	Leverage Capital					Tier 1					Total
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total regulatory capital	$	322,611		13.01	%	$	322,611		17.01	%	$	335,509		17.69	%
Minimum for capital adequacy purposes		99,219		4.00			75,862		4.00			151,724		8.00
Excess	$	223,392		9.01	%	$	246,749		13.01	%	$	183,785		9.69	%

						Risk-Based Capital
At December 31, 2010	Leverage Capital					Tier 1					Total
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio
Total regulatory capital	$	285,267		12.70	%	$	285,267		16.38	%		301,683		17.33	%
Minimum for capital adequacy purposes		89,815		4.00			69,650		4.00			139,300		8.00
Excess	$	195,452		8.70	%	$	215,617		12.38	%		162,383		9.33	%