Capital (Tables)

12 Months Ended

Dec. 31, 2019

Regulatory Capital Ratios for Company in Comparison With Minimum Amounts and Ratios Required by Federal Reserve Board of Governors

The following tables present the regulatory capital ratios for the Company at December 31, 2019 and 2018, in comparison with the minimum amounts and ratios required by the FRB for capital adequacy purposes:

	Risk-Based Capital
At December 31, 2019	Common Equity Tier 1					Tier 1					Total					Leverage Capital
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital	$	3,818,311		9.91	%	$	4,321,151		11.22	%	$	5,111,990		13.27	%	$	4,321,151		8.66	%
Minimum for capital adequacy purposes		1,733,826		4.50			2,311,768		6.00			3,082,358		8.00			1,996,966		4.00
Excess	$	2,084,485		5.41	%	$	2,009,383		5.22	%	$	2,029,632		5.27	%	$	2,324,185		4.66	%

	Risk-Based Capital
At December 31, 2018	Common Equity Tier 1					Tier 1					Total					Leverage Capital
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital	$	3,806,857		10.55	%	$	4,309,697		11.94	%	$	5,112,079		14.16	%	$	4,309,697		8.74	%
Minimum for capital adequacy purposes		1,624,366		4.50			2,165,822		6.00			2,887,763		8.00			1,972,440		4.00
Excess	$	2,182,491		6.05	%	$	2,143,875		5.94	%	$	2,224,316		6.16	%	$	2,337,257		4.74	%

At December 31, 2019, our total risk-based capital ratio exceeded the minimum requirement for capital adequacy purposes by 527 basis points and the fully phased-in capital conservation buffer by 277 basis points.

Actual Capital Amounts and Ratios for Community Bank in Comparison to Minimum Amounts and Ratios Required

The following tables present the actual capital amounts and ratios for the Bank at December 31, 2019 and 2018 in comparison to the minimum amounts and ratios required for capital adequacy purposes.

	Risk-Based Capital
At December 31, 2019	Common Equity Tier 1					Tier 1					Total					Leverage Capital
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital	$	4,785,217		12.42	%	$	4,785,217		12.42	%	$	4,933,900		12.81	%	$	4,785,217		9.59	%
Minimum for capital adequacy purposes		1,733,085		4.50			2,310,780		6.00			3,081,040		8.00			1,996,288		4.00
Excess	$	3,052,132		7.92	%	$	2,474,437		6.42	%	$	1,852,860		4.81	%	$	2,788,929		5.59	%

	Risk-Based Capital
At December 31, 2018	Common Equity Tier 1					Tier 1					Total					Leverage Capital
(dollars in thousands)	Amount		Ratio			Amount		Ratio			Amount		Ratio			Amount		Ratio
Total capital	$	4,725,497		13.10	%	$	4,725,497		13.10	%	$	4,886,450		13.54	%	$	4,725,497		9.58	%
Minimum for capital adequacy purposes		1,623,575		4.50			2,164,766		6.00			2,886,355		8.00			1,972,625		4.00
Excess	$	3,101,922		8.60	%	$	2,560,731		7.10	%	$	2,000,095		5.54	%	$	2,752,872		5.58	%