REGULATORY MATTERS (Tables)

12 Months Ended

Dec. 31, 2014

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:

	2014						2013
(000's omitted)	Company			Bank			Company			Bank
Tier 1 capital to average assets
Amount	$	705,163		$	584,014		$	643,286		$	547,464
Ratio		9.96	%		8.27	%		9.29	%		7.93	%
Minimum required amount	$	283,255		$	282,517		$	276,918		$	276,226
Tier 1 capital to risk-weighted assets
Amount	$	705,163		$	584,014		$	643,286		$	547,464
Ratio		17.61	%		14.64	%		16.42	%		14.03	%
Minimum required amount	$	160,214		$	159,603		$	156,661		$	156,083
Total core capital to risk-weighted assets
Amount	$	750,942		$	629,793		$	687,946		$	592,124
Ratio		18.75	%		15.78	%		17.57	%		15.17	%
Minimum required amount	$	320,428		$	319,206		$	313,322		$	312,166