Capital (Tables)

12 Months Ended

Dec. 31, 2020

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, 2020 and 2019, in comparison with the minimum amounts and ratios required by the FRB for capital adequacy purposes:

		Risk-Based Capital
At December 31, 2020		Common Equity Tier 1						Tier 1						Total						Leverage Capital
(dollars in thousands)		Amount		Ratio				Amount		Ratio				Amount		Ratio				Amount		Ratio
Total capital	$		3,962,399		9.72	%	$		4,465,239		10.95	%	$		5,289,611		12.97	%	$		4,465,239		8.52	%
Minimum for capital adequacy purposes			1,834,858		4.50				2,446,478		6.00				3,261,970		8.00				2,095,846		4.00
Excess	$		2,127,541		5.22	%	$		2,018,761		4.95	%	$		2,027,641		4.97	%	$		2,369,393		4.52	%

	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	%

At December 31, 2020, our total risk-based capital ratio exceeded the minimum requirement for capital adequacy purposes by 497 basis points and the fully phased-in capital conservation buffer by 247 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, 2020 and 2019 in comparison to the minimum amounts and ratios required for capital adequacy purposes.

		Risk-Based Capital
At December 31, 2020		Common Equity Tier 1						Tier 1						Total						Leverage Capital
(dollars in thousands)		Amount		Ratio				Amount		Ratio				Amount		Ratio				Amount		Ratio
Total capital	$		4,964,055		12.18	%	$		4,964,055		12.18	%	$		5,145,321		12.62	%	$		4,964,055		9.48	%
Minimum for capital adequacy purposes			1,834,112		4.50				2,445,483		6.00				3,260,643		8.00				2,095,175		4.00
Excess	$		3,129,943		7.68	%	$		2,518,572		6.18	%	$		1,884,678		4.62	%	$		2,868,880		5.48	%

	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	%