REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2013

REGULATORY MATTERS [Abstract]

Capital ratios and amounts

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

	2013						2012
(000's omitted)	Company			Bank			Company			Bank
Tier 1 capital to average assets
Amount	$	643,286		$	547,464		$	588,220		$	530,753
Ratio		9.29	%		7.93	%		8.40	%		7.60	%
Minimum required amount	$	276,918		$	276,226		$	280,151		$	279,524

Tier 1 capital to risk-weighted assets
Amount	$	643,286		$	547,464		$	588,220		$	530,753
Ratio		16.42	%		14.03	%		15.09	%		13.66	%
Minimum required amount	$	156,661		$	156,083		$	155,904		$	155,392
Total core capital to risk-weighted assets
Amount	$	687,946		$	592,124		$	631,409		$	573,942
Ratio		17.57	%		15.17	%		16.20	%		14.77	%
Minimum required amount	$	313,322		$	312,166		$	311,808		$	310,784