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WELLS FARGO & COMPANY/MN

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WELLS FARGO & COMPANY/MN

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2.4.0.8101900 - Disclosure - Regulatory and Agency Capital Requirementstruefalsefalse1false falsefalseFROM_Jan01_2013_TO_Jun30_2013http://www.sec.gov/CIK0000072971duration2013-01-01T00:00:002013-06-30T00:00:001true 1us-gaap_BankingAndThriftAbstractus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalse1falsefalsefalse00falsefalsefalsexbrli:stringItemTypestringfalse0Regulatory and Agency Capital Requirements [Abstract]2false 2us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlockus-gaap_truenadurationfalsefalsefalsefalsefalsefalsefalsefalseterseLabel1falsefalsefalse00The Company and each of its subsidiary banks are subject to regulatory capital adequacy requirements promulgated by federal regulatory agencies. The Federal Reserve establishes capital requirements, including well capitalized standards, for the consolidated financial holding company, and the OCC has similar requirements for the Company's national banks, including Wells Fargo Bank, N.A.       We do not consolidate our wholly-owned trust (the Trust) formed solely to issue trust preferred and preferred purchase securities (the Securities). Securities issued by the Trust includable in Tier 1 capital were $2.1 billion at June 30, 2013. Since December 31, 2012, we have redeemed $2.8 billion of trust preferred securities. Under applicable regulatory capital guidelines issued by bank regulatory agencies, upon notice of redemption, the redeemed trust preferred securities no longer qualify as Tier 1 Capital for the Company. This redemption is consistent with the Capital Plan the Company submitted to the Federal Reserve Board and the actions the Company previously announced on March 13, 2012.       Effective January 1, 2013, the Company implemented changes to the market risk capital rule, commonly referred to as Basel 2.5, as required by U.S. banking regulators. Basel 2.5 requires banking organizations with significant trading activities to adjust their capital requirements to better account for the market risks of those activities. The market risk capital rule is reflected in the Company's calculation of risk-weighted assets and upon initial adoption in first quarter 2013, negatively impacted capital ratios under Basel I by approximately 25 basis points, but did not impact our ratio under Basel III, as its impact has historically been included in our calculations.       Certain subsidiaries of the Company are approved seller/servicers, and are therefore required to maintain minimum levels of shareholders' equity, as specified by various agencies, including the United States Department of Housing and Urban Development, GNMA, FHLMC and FNMA. At June 30, 2013, each seller/servicer met these requirements. Certain broker-dealer subsidiaries of the Company are subject to SEC Rule 15c3-1 (the Net Capital Rule), which requires that we maintain minimum levels of net capital, as defined. At June 30, 2013, each of these subsidiaries met these requirements.              The following table presents regulatory capital information for Wells Fargo & Company and Wells Fargo Bank, N.A.<div><table style="border-collapse:collapse;margin-top:20px;"><tr style="height: 4px"><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 240px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:240px;"> </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 10px"><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 240px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:240px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 14px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 240px; text-align:left;border-color:#000000;min-width:240px;"> </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td colspan="3" style="width: 125px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:125px;">Wells Fargo & Company</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td colspan="3" style="width: 125px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:125px;">Wells Fargo Bank, N.A.</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;">Well-</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;">Minimum</td></tr><tr style="height: 18px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 240px; text-align:left;border-color:#000000;min-width:240px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:55px;">June 30,</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:55px;">Dec. 31,</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:55px;">June 30,</td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:right;border-color:#000000;min-width:55px;">Dec. 31,</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;">capitalized</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;">capital</td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; border-bottom-style:solid;border-bottom-width:1px;text-align:left;border-color:#000000;min-width:291px;">(in billions, except ratios)</td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:55px;"> 2013</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:55px;"> 2012</td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:55px;"> 2013</td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:55px;"> 2012</td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:55px;">ratios (1)</td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:1px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:1px;text-align:right;border-color:#000000;min-width:55px;">ratios (1)</td></tr><tr style="height: 18px"><td colspan="4" style="width: 291px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:291px;">Regulatory capital:</td><td style="width: 12px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:1px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:1px;text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Tier 1</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">$</td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 133.0</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 126.6</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 109.6</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 101.3</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:right;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Total</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 165.0</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 157.6</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 136.4</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 124.8</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:right;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 10px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 240px; text-align:left;border-color:#000000;min-width:240px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:right;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Assets:</td><td style="width: 12px; text-align:left;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:right;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Risk-weighted</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;">$</td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 1,097.4</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 1,077.1</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 1,012.3</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 1,002.0</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:right;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Adjusted average (2)</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 1,381.3</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 1,336.4</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 1,236.9</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 1,195.9</td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:right;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 10px"><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 240px; text-align:left;border-color:#000000;min-width:240px;"> </td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:right;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Capital ratios:</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; text-align:right;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Tier 1 capital (3)</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 12.12</td><td style="width: 15px; text-align:center;border-color:#000000;min-width:15px;">%</td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 11.75</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 10.83</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 10.11</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 6.00</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 4.00</td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Total capital (3)</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 15.03</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 14.63</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 13.48</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 12.45</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 10.00</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 8.00</td></tr><tr style="height: 14px"><td colspan="4" style="width: 291px; text-align:left;border-color:#000000;min-width:291px;">Tier 1 leverage (2)</td><td style="width: 12px; text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 9.63</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 9.47</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 8.86</td><td style="width: 15px; text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 8.47</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 5.00</td><td style="width: 19px; text-align:left;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; text-align:right;border-color:#000000;min-width:55px;"> 4.00</td></tr><tr style="height: 10px"><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 240px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:240px;"> </td><td style="width: 12px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-bottom-style:solid;border-bottom-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-bottom-style:solid;border-bottom-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td></tr><tr style="height: 10px"><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 17px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:17px;"> </td><td style="width: 240px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:240px;"> </td><td style="width: 12px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:12px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 15px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:15px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td><td style="width: 19px; border-top-style:solid;border-top-width:2px;text-align:center;border-color:#000000;min-width:19px;"> </td><td style="width: 55px; border-top-style:solid;border-top-width:2px;text-align:left;border-color:#000000;min-width:55px;"> </td></tr></table></div><ul><li style="margin-left:18px;list-style:decimal;">As defined by the regulations issued by the Federal Reserve, OCC and FDIC.</li><li style="margin-left:18px;list-style:decimal;">The leverage ratio consists of Tier 1 capital divided by quarterly average total assets, excluding goodwill and certain other items. The minimum leverage ratio guideline is 3% for banking organizations that do not anticipate significant growth and that have well-diversified risk, excellent asset quality, high liquidity, good earnings, effective management and monitoring of market risk and, in general, are considered top-rated, strong banking organizations.</li><li style="margin-left:18px;list-style:decimal;">Effective September 30, 2012, we refined our determination of the risk weighting of certain unused lending commitments that provide for the ability to issue standby letters of credit and commitments to issue standby letters of credit under syndication arrangements where we have an obligation to issue in a lead agent or similar capacity beyond our contractual participation level.</li></ul>falsefalsefalsenonnum:textBlockItemTypenaThe entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Audit and Accounting Guide (AAG) -Number AAG-DEP -Paragraph 15, 16, 17 -IssueDate 2006-05-01 -Chapter 17 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. 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